CA2402651A1 - Systeme et procede permettant d'effectuer des transactions electroniques en toute securite - Google Patents

Systeme et procede permettant d'effectuer des transactions electroniques en toute securite Download PDF

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Publication number
CA2402651A1
CA2402651A1 CA002402651A CA2402651A CA2402651A1 CA 2402651 A1 CA2402651 A1 CA 2402651A1 CA 002402651 A CA002402651 A CA 002402651A CA 2402651 A CA2402651 A CA 2402651A CA 2402651 A1 CA2402651 A1 CA 2402651A1
Authority
CA
Canada
Prior art keywords
buyer
seller
file
payment
view
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Abandoned
Application number
CA002402651A
Other languages
English (en)
Inventor
James Biorge
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
IC UNIVERSE Inc
Original Assignee
Individual
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Individual filed Critical Individual
Publication of CA2402651A1 publication Critical patent/CA2402651A1/fr
Abandoned legal-status Critical Current

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
    • G06Q20/04—Payment circuits
    • 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
    • G06Q20/229—Hierarchy of users of accounts
    • 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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • 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
    • G07F7/0866—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 by active credit-cards adapted therefor

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Marketing (AREA)
  • Economics (AREA)
  • Development Economics (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

La présente invention concerne un dispositif portable (12) acheteur dans lequel est stockée une valeur, un dispositif de base (24) acheteur, et un dispositif (50) fournisseur acheteur. Une quantité d'achat est déduite du dispositif portable acheteur et envoyé au dispositif fournisseur acheteur. Le dispositif fournisseur acheteur génère et chiffre un fichier (122) de paiement et un fichier (120) de visualisation de paiement qui confirme l'existence du fichier de paiement. Le dispositif de base (64) vendeur transmet le fichier de visualisation de paiement et le fichier de paiement à un dispositif (102) fournisseur vendeur. Le dispositif fournisseur vendeur génère et chiffre un fichier (130) de produit et un fichier (128) de visualisation de produit qui confirme l'existence du fichier de produit. Le dispositif fournisseur acheteur et le dispositif fournisseur vendeur déchiffrent respectivement le fichier de visualisation de produit et le fichier de visualisation de paiement. Suite à l'approbation de l'acheteur et du vendeur, des clés d'utilisateur sont échangées afin de permettre le déchiffrement des fichiers de produit et de paiement.
CA002402651A 2000-03-08 2001-03-08 Systeme et procede permettant d'effectuer des transactions electroniques en toute securite Abandoned CA2402651A1 (fr)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
US52115400A 2000-03-08 2000-03-08
US09/521,154 2000-03-08
PCT/US2001/007408 WO2001067307A1 (fr) 2000-03-08 2001-03-08 Systeme et procede permettant d'effectuer des transactions electroniques en toute securite

Publications (1)

Publication Number Publication Date
CA2402651A1 true CA2402651A1 (fr) 2001-09-13

Family

ID=24075591

Family Applications (1)

Application Number Title Priority Date Filing Date
CA002402651A Abandoned CA2402651A1 (fr) 2000-03-08 2001-03-08 Systeme et procede permettant d'effectuer des transactions electroniques en toute securite

Country Status (4)

Country Link
EP (1) EP1279117A4 (fr)
AU (2) AU4552401A (fr)
CA (1) CA2402651A1 (fr)
WO (1) WO2001067307A1 (fr)

Families Citing this family (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7315944B2 (en) 2001-11-13 2008-01-01 Ericsson Inc. Secure handling of stored-value data objects

Family Cites Families (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5557518A (en) * 1994-04-28 1996-09-17 Citibank, N.A. Trusted agents for open electronic commerce
US5504677A (en) * 1992-10-15 1996-04-02 Pollin; Robert E. Automated payment system
EP0701718A4 (fr) * 1993-06-02 2000-03-29 Verifone Inc Systeme et procede de reevaluation de jetons stockes dans des cartes de ci
US5438184A (en) * 1993-10-26 1995-08-01 Verifone Inc. Method and apparatus for electronic cash transactions
JP3416141B2 (ja) * 1994-02-04 2003-06-16 アイシー・ワン・インコーポレイテッド 奨励クレジットの割当て及び割戻し方法及び装置
US5826241A (en) * 1994-09-16 1998-10-20 First Virtual Holdings Incorporated Computerized system for making payments and authenticating transactions over the internet
US5809144A (en) * 1995-08-24 1998-09-15 Carnegie Mellon University Method and apparatus for purchasing and delivering digital goods over a network
US5953504A (en) * 1995-10-10 1999-09-14 Suntek Software Corporation Public accessible terminal capable of opening an account for allowing access to the internet and E-mail by generating ID code and security code for users

Also Published As

Publication number Publication date
EP1279117A1 (fr) 2003-01-29
WO2001067307A1 (fr) 2001-09-13
AU2001245524B2 (en) 2007-06-14
AU4552401A (en) 2001-09-17
EP1279117A4 (fr) 2005-12-07

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Legal Events

Date Code Title Description
EEER Examination request
FZDE Dead