BR0208337A - Sistema de transação por cartão, métodos de processamento de transação por cartão, de manutenção da coerência de dados entre um servidor e um terminal, de determinação sobre se um cartão pode ser usado e de permissão de transações on-line e off-line, terminal de cartão, meio de registro de leitura de computador e tabela de dados - Google Patents
Sistema de transação por cartão, métodos de processamento de transação por cartão, de manutenção da coerência de dados entre um servidor e um terminal, de determinação sobre se um cartão pode ser usado e de permissão de transações on-line e off-line, terminal de cartão, meio de registro de leitura de computador e tabela de dadosInfo
- Publication number
- BR0208337A BR0208337A BR0208337-0A BR0208337A BR0208337A BR 0208337 A BR0208337 A BR 0208337A BR 0208337 A BR0208337 A BR 0208337A BR 0208337 A BR0208337 A BR 0208337A
- Authority
- BR
- Brazil
- Prior art keywords
- card
- online
- terminal
- transactions
- offline
- Prior art date
Links
Classifications
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
- G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
- G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
- G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/22—Payment schemes or models
- G06Q20/28—Pre-payment schemes, e.g. "pay before"
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
- G06Q20/363—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/403—Solvency checks
- G06Q20/4033—Local solvency checks
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/403—Solvency checks
- G06Q20/4037—Remote solvency checks
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/409—Device specific authentication in transaction processing
- G06Q20/4093—Monitoring of device authentication
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Engineering & Computer Science (AREA)
- General Physics & Mathematics (AREA)
- Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- Finance (AREA)
- Computer Security & Cryptography (AREA)
- Computer Networks & Wireless Communication (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)
Abstract
"SISTEMA DE TRANSAçãO POR CARTãO, MéTODOS DE PROCESSAMENTO DE TRANSAçãO POR CARTãO, DE MANUTENçãO DA COERêNCIA DE DADOS ENTRE UM SERVIDOR E UM TERMINAL, DE DETERMINAçãO SOBRE SE UM CARTãO PODE SER USADO E DE PERMISSãO DE TRANSAçõES ON-LINE E OFF-LINE, TERMINAL DE CARTãO, MEIO DE REGISTRO DE LEITURA DE COMPUTADOR E TABELA DE DADOS". Proporcionam-se sistema e método de permissão a usuário que tenha transações de cartão on-line e off-line com um cartão de dinheiro eletrónico não recarregável. O sistema de transação por cartão inclui uma unidade de emissão de cartão, que aloca um único número de cartão para cada cartão e estabelece uma conta de cartão correspondente ao número do cartão, para emitir um cartão; uma unidade de ajuste de cartão, que recebe detalhes de transações correspondentes ao cartão e ajusta a conta do cartão correspondente ao cartão, de acordo com os detalhes das transações; um gerador de bandeiras, que gera uma bandeira que indica se o cartão pode ser usado, de acordo com o saldo da conta do cartão na base de uma quantia de referência off-line estabelecida para transações off-line, e uma quantia de referência on-line, estabelecida para transações on-line; e um transmissor de informações do cartão, que transmite a bandeira correspondente ao cartão- Conseq³entemente, um intervalo de tempo entre uma transação on-line em tempo real e uma transação off-line, usando transmissão por batelada, pode ser superado, de forma que o dinheiro eletrónico do tipo rede possa ser usado tanto para transações on-line como off-line.
Applications Claiming Priority (3)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
KR20010016434 | 2001-03-29 | ||
KR1020020007685A KR100549209B1 (ko) | 2001-03-29 | 2002-02-09 | 온라인/오프라인에 의한 카드거래 시스템 및 그 방법 |
PCT/KR2002/000558 WO2002084569A1 (en) | 2001-03-29 | 2002-03-29 | Card transaction system and method on on-line and/or off-line |
Publications (1)
Publication Number | Publication Date |
---|---|
BR0208337A true BR0208337A (pt) | 2004-03-23 |
Family
ID=26638926
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
BR0208337-0A BR0208337A (pt) | 2001-03-29 | 2002-03-29 | Sistema de transação por cartão, métodos de processamento de transação por cartão, de manutenção da coerência de dados entre um servidor e um terminal, de determinação sobre se um cartão pode ser usado e de permissão de transações on-line e off-line, terminal de cartão, meio de registro de leitura de computador e tabela de dados |
Country Status (5)
Country | Link |
---|---|
US (2) | US20040111365A1 (pt) |
EP (2) | EP2293263A3 (pt) |
CN (1) | CN1287327C (pt) |
BR (1) | BR0208337A (pt) |
WO (1) | WO2002084569A1 (pt) |
Families Citing this family (30)
Publication number | Priority date | Publication date | Assignee | Title |
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DE10309615A1 (de) * | 2003-03-05 | 2004-09-23 | Siemens Ag | Dynamische Verarbeitung von Datenverarbeitungsaufträgen |
US20070214024A1 (en) * | 2006-03-08 | 2007-09-13 | Gaurav Jain | Airline transactions using mobile handsets |
KR100839146B1 (ko) * | 2006-11-01 | 2008-06-19 | 주식회사 한국스마트카드 | 카드 승인 단말 시스템과 이를 이용한 카드 관리 방법 |
US7958057B2 (en) * | 2007-03-28 | 2011-06-07 | King Fahd University Of Petroleum And Minerals | Virtual account based new digital cash protocols with combined blind digital signature and pseudonym authentication |
KR100953452B1 (ko) * | 2007-08-21 | 2010-04-20 | 주식회사 한국스마트카드 | 카드 승인 단말 시스템과 이를 이용한 카드 관리 방법 |
US9098851B2 (en) | 2008-02-14 | 2015-08-04 | Mastercard International Incorporated | Method and apparatus for simplifying the handling of complex payment transactions |
WO2009134789A2 (en) * | 2008-04-29 | 2009-11-05 | Visa U.S.A. Inc. | Device including user exclusive data tag |
CN101667275A (zh) * | 2008-09-04 | 2010-03-10 | 阿里巴巴集团控股有限公司 | 一种离线充值方法及系统 |
US8341084B2 (en) | 2009-06-08 | 2012-12-25 | Mastercard International Incorporated | Method, apparatus, and computer program product for topping up prepaid payment cards for offline use |
WO2010109060A1 (en) * | 2009-03-26 | 2010-09-30 | Nokia Corporation | Method and apparatus for providing off-line payment transactions with minimal data transfer |
US20120095911A1 (en) * | 2009-06-16 | 2012-04-19 | Smart Hub Pte. Ltd. | Transaction system and method |
EP2320393A1 (de) * | 2009-10-07 | 2011-05-11 | Scheidt & Bachmann GmbH | Verfahren zur bargeldlosen Abwicklung von automatenbezogenen Nutzungsvorgängen |
CN102081821B (zh) * | 2009-11-27 | 2013-08-14 | 中国银联股份有限公司 | Ic卡支付系统和方法以及多应用ic卡、支付终端 |
JP5597185B2 (ja) * | 2011-12-28 | 2014-10-01 | 楽天株式会社 | 電子マネー管理装置、電子マネー管理方法、電子マネー管理プログラム、及びそのプログラムを記憶するコンピュータ読取可能な記憶媒体 |
JP5553821B2 (ja) * | 2011-12-28 | 2014-07-16 | 楽天株式会社 | 情報処理サーバ、情報処理方法、情報処理プログラム、情報処理プログラムが記録された記録媒体、携帯端末、携帯端末用プログラム、及び携帯端末用プログラムが記録された記録媒体 |
JP5595434B2 (ja) * | 2012-03-02 | 2014-09-24 | 楽天株式会社 | 情報処理サーバ、情報処理方法、情報処理プログラム及び情報処理プログラムを記録した記録媒体 |
CN103473850B (zh) * | 2012-06-06 | 2016-09-28 | 中国银联股份有限公司 | 一种脱机圈存方法和系统 |
JP5780366B2 (ja) * | 2013-08-13 | 2015-09-16 | 日本電気株式会社 | 決済システム、サーバ装置、端末装置、記録媒体、方法、および、プログラム |
CN103646467B (zh) * | 2013-12-24 | 2019-07-23 | 拉卡拉支付股份有限公司 | 一种逻辑加密卡脱机交易数据处理方法及装置 |
US20170140358A1 (en) * | 2015-11-18 | 2017-05-18 | Andrew Orrock | Network Bridge for Local Transaction Authorization |
CN106971297A (zh) * | 2016-01-13 | 2017-07-21 | 阿里巴巴集团控股有限公司 | 一种离线支付方法、装置及系统 |
US10733611B2 (en) * | 2016-08-02 | 2020-08-04 | Mastercard International Incorporated | Systems and methods for locally processing a financial transaction |
JP2018084892A (ja) * | 2016-11-22 | 2018-05-31 | 東芝テック株式会社 | チェックアウトシステム、決済装置及びその制御プログラム |
EP3559883A1 (de) * | 2016-12-20 | 2019-10-30 | PBV Kaufmann Systeme GmbH | System zum offline-bezahlen mit e-geld mit mobilem gerät mit kurzer transaktionszeit und abschliessendem settlement |
FR3076027B1 (fr) * | 2017-12-21 | 2021-08-20 | Oberthur Technologies | Securisation du traitement d'une transaction |
TWI668672B (zh) * | 2018-02-07 | 2019-08-11 | 開曼群島商庫幣科技有限公司 | 電子錢包的產生及還原方法 |
CN110135840A (zh) * | 2018-02-09 | 2019-08-16 | 库币科技有限公司 | 电子货币包的产生及还原方法 |
CN113222587B (zh) * | 2021-05-21 | 2024-06-21 | 中国工商银行股份有限公司 | 线上线下交易电子卡处理方法及装置 |
CN115334126B (zh) * | 2022-04-24 | 2024-08-23 | 浙江绍兴苏泊尔生活电器有限公司 | 一种用户与家电产品间的交互方法 |
CN116452198B (zh) * | 2023-06-14 | 2023-09-01 | 南京能可瑞科技有限公司 | 一种充电桩离线授权和计费方法及系统 |
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US4630201A (en) * | 1984-02-14 | 1986-12-16 | International Security Note & Computer Corporation | On-line and off-line transaction security system using a code generated from a transaction parameter and a random number |
US4804825A (en) * | 1986-06-17 | 1989-02-14 | Casio Computer Co., Ltd. | I C card system |
JPH03223958A (ja) * | 1990-01-29 | 1991-10-02 | Hitachi Ltd | 取引照会方法 |
US5744787A (en) * | 1994-09-25 | 1998-04-28 | Advanced Retail Systems Ltd. | System and method for retail |
KR0146624B1 (ko) * | 1994-12-19 | 1998-09-15 | 김광호 | 신용거래용 카드 및 이를 이용한 신용거래장치 및 방법 |
CN1912885B (zh) * | 1995-02-13 | 2010-12-22 | 英特特拉斯特技术公司 | 用于安全交易管理和电子权利保护的系统和方法 |
WO1997010560A1 (en) * | 1995-09-14 | 1997-03-20 | Cybermark, L.L.C. | Stored value transaction system and method using anonymous account numbers |
DE19611632A1 (de) * | 1996-03-25 | 1997-10-02 | Deutsche Telekom Ag | Off-Line-Datenstationen mit virtueller On-Line-Fähigkeit |
US6012049A (en) * | 1998-02-04 | 2000-01-04 | Citicorp Development Center, Inc. | System for performing financial transactions using a smartcard |
JP4176181B2 (ja) * | 1998-03-13 | 2008-11-05 | 富士通株式会社 | 電子財布管理システム、端末装置及び電子財布管理プログラムを記録したコンピュータ読み取り可能な記録媒体 |
AU2001257147A1 (en) * | 2000-04-20 | 2001-11-07 | Innovative Payment Systems, Llc | Method and system for ubiquitous enablement of electronic currency |
KR100792959B1 (ko) * | 2000-05-12 | 2008-01-08 | 에스케이에너지 주식회사 | Ic카드를 이용하는 온라인 및 오프라인에서의 충전,지불 및 부가서비스 제공 시스템 및 방법 |
US20040073509A1 (en) * | 2000-05-15 | 2004-04-15 | Sid Haddad | Network communication electronic commerce system |
KR20000059020A (ko) * | 2000-07-10 | 2000-10-05 | 이상열 | 데이터통신망에서의 금융결제처리시스템과 그 처리방법 |
KR20000059133A (ko) * | 2000-07-15 | 2000-10-05 | 임성식 | 온라인 및 오프라인 거래보호를 위한 지불유보 현금카드시스템 |
KR20020009256A (ko) * | 2000-07-25 | 2002-02-01 | 이창무 | 전자화폐를 이용한 물물교환 방법 |
US7337145B2 (en) * | 2000-08-03 | 2008-02-26 | Fujitsu Limited | E-money managing method and system, e-money managing/holding medium, computer-readable recording medium in which e-money managing program is recorded, e-value managing/holding medium, and e-value managing method |
US7032047B2 (en) * | 2001-03-12 | 2006-04-18 | Motorola, Inc. | Method of regulating usage and/or concession eligibility via distributed list management in a smart card system |
CN1316415C (zh) * | 2001-05-14 | 2007-05-16 | 库比克公司 | 使用网络的自动票费收集设备的系统实现 |
WO2003010951A1 (en) * | 2001-07-24 | 2003-02-06 | Citibank, N.A. | Method and system for data management in electronic payments transactions |
US20030216996A1 (en) * | 2002-05-14 | 2003-11-20 | Capital One Financial Corporation | Methods and systems for providing financial payment services |
US20030222138A1 (en) * | 2002-05-31 | 2003-12-04 | Carole Oppenlander | System and method for authorizing transactions |
-
2002
- 2002-03-29 WO PCT/KR2002/000558 patent/WO2002084569A1/en not_active Application Discontinuation
- 2002-03-29 EP EP10011991A patent/EP2293263A3/en not_active Withdrawn
- 2002-03-29 BR BR0208337-0A patent/BR0208337A/pt not_active Application Discontinuation
- 2002-03-29 US US10/473,122 patent/US20040111365A1/en not_active Abandoned
- 2002-03-29 CN CN02807310.XA patent/CN1287327C/zh not_active Expired - Fee Related
- 2002-03-29 EP EP02714586A patent/EP1374136A4/en not_active Ceased
-
2011
- 2011-09-08 US US13/227,753 patent/US20110320356A1/en not_active Abandoned
Also Published As
Publication number | Publication date |
---|---|
EP2293263A3 (en) | 2012-01-04 |
CN1287327C (zh) | 2006-11-29 |
CN1509452A (zh) | 2004-06-30 |
EP2293263A2 (en) | 2011-03-09 |
EP1374136A1 (en) | 2004-01-02 |
US20040111365A1 (en) | 2004-06-10 |
US20110320356A1 (en) | 2011-12-29 |
WO2002084569A1 (en) | 2002-10-24 |
EP1374136A4 (en) | 2007-11-28 |
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