CN101958024A - Financial transaction system, automated teller machine and method for operating automated teller machine - Google Patents

Financial transaction system, automated teller machine and method for operating automated teller machine Download PDF

Info

Publication number
CN101958024A
CN101958024A CN2009101600399A CN200910160039A CN101958024A CN 101958024 A CN101958024 A CN 101958024A CN 2009101600399 A CN2009101600399 A CN 2009101600399A CN 200910160039 A CN200910160039 A CN 200910160039A CN 101958024 A CN101958024 A CN 101958024A
Authority
CN
China
Prior art keywords
teller machine
atm
automatic teller
user
server
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.)
Granted
Application number
CN2009101600399A
Other languages
Chinese (zh)
Other versions
CN101958024B (en
Inventor
吴敏求
黄绍文
林伟振
林意纹
谢雨纯
洪崇倍
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.)
Mxtran Inc
Original Assignee
Mxtran Inc
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 Mxtran Inc filed Critical Mxtran Inc
Priority to CN 200910160039 priority Critical patent/CN101958024B/en
Publication of CN101958024A publication Critical patent/CN101958024A/en
Application granted granted Critical
Publication of CN101958024B publication Critical patent/CN101958024B/en
Expired - Fee Related legal-status Critical Current
Anticipated expiration legal-status Critical

Links

Images

Abstract

The embodiment of the invention discloses a financial transaction system, an automated teller machine and a method for operating the automated teller machine. The financial transaction system comprises a server and at least one automated teller machine, wherein the server responds to a request of a user and transmits one time password (OTP) to a mobile device of the user; and the automated teller machine receives the OTP from the user and transmits the OTP to the server to perform verification to execute the financial transaction operation.

Description

Financial transaction system, ATM (Automatic Teller Machine), with automatic counter machine operated method
Technical field
The present invention relates to financial transaction system and ATM (Automatic Teller Machine).
Background technology
According to existing technology, people insert the ATM (Automatic Teller Machine) (Automated Teller Machine) that bank sets up with fiscard, and on ATM (Automatic Teller Machine), input password, then ATM (Automatic Teller Machine) will be stored in the password that password on the fiscard and user inputed and compare; When comparison result was correct, the user can withdraw deposit or transfer accounts.Yet the keeping of fiscard and the memory of password all cause the inconvenience in the use, and transaction security is also impacted.
United States Patent (USP) 6,045,039 has proposed a kind of ATM (Automatic Teller Machine) that does not need fiscard, and it utilizes user's biological attribute data (biometric information) to come identification user's identity, but ATM (Automatic Teller Machine) need possess the biological attribute data that a database stores all users.
Similarly, in order to save the use of traditional financial card, U.S. Patent application US2006/0136634 has proposed a kind of method of transferring accounts or inquiring about account balance on mobile device (for example mobile phone).In addition, United States Patent (USP) 7,198,199 also proposed a kind of outside general mobile phone SIM card, be provided with one with SIM card link from card (slavecard), so that the application program of SIM Tool Kit (STK) to be provided on mobile phone, can directly on mobile phone, transfer accounts by this.The technology that U.S. Patent application US2007/0220597 is proposed is then about utilizing web browser input disposal password on PC, and authentication is carried out in the network service of wanting to use.
Above-mentioned three kinds of technology do not need to use traditional financial card or magnetic card to carry out authentication, but all can't satisfy the primary demand that the user need claim cash or get physical commodity.
Summary of the invention
The embodiment of the invention relates to financial transaction system, the system of services such as the account transfer that for example general bank is provided, drawing, CASH ADVANCE.Particularly, the set financial transaction system that ATM (Automatic Teller Machine) linked of known bank.Sell valency ticket volume (for example train ticket) or the point of sales system of other entity article (Point of Sale) but also can comprise.Another embodiment of the present invention relates to, every need the checking to user's identity, and utilize the ATM (Automatic Teller Machine) that is arranged on the public place user to be provided the transaction system of service.
What deserves to be explained is that the described ATM (Automatic Teller Machine) of the embodiment of the invention can comprise the ATM (Automatic Teller Machine) that bank provides, also can comprise and sell the valency ticket volume or the point of sales system of other entity article.And being different from general PC device, the ATM (Automatic Teller Machine) characteristics are that it is arranged on the public place, can supply the not specific people of the public, can use in the not specific time.In addition, in general, ATM (Automatic Teller Machine) all non-user has or manages, so the user is all specified by the supvr of ATM (Automatic Teller Machine) in advance in the operable function of ATM (Automatic Teller Machine).
One of characteristics of the present invention are: the user of ATM (Automatic Teller Machine) need import disposal password (being called dynamic password again), and this ATM (Automatic Teller Machine) sends the disposal password that the user imported to server to verify.And after checking, this disposal password promptly lost efficacy.By this, the user can remove shortcoming and the risk of using general fiscard from.
Another characteristics of the present invention are, aforesaid disposal password is sent to user's mobile device in advance by server, after the user learns this disposal password, must in the valid period of this disposal password, (for example 10 minutes) password be inputed to ATM (Automatic Teller Machine), just can conclude the business.Can improve security further by this.
According to one embodiment of the invention, financial transaction system comprises a server and at least one ATM (Automatic Teller Machine).Server response user's request, and send the mobile device of one-time password (otp) to the user, and the user learns this disposal password according to mobile device.ATM (Automatic Teller Machine) server therewith links, and comprises cryptographic interface, mixed-media network modules mixed-media and execution module.Cryptographic interface is for receiving this disposal password from the user.Mixed-media network modules mixed-media transmits received disposal password server so far, verifies for this server, and receives one of this server passback and be proved to be successful information.Execution module responds this and is proved to be successful information, and carries out the financial transaction operation, for example withdraws deposit account transfer, or inquiry account balance.
According to another embodiment of the present invention, an ATM (Automatic Teller Machine) and a server link, and this server is issued disposal password to the user.ATM (Automatic Teller Machine) comprises cryptographic interface, mixed-media network modules mixed-media and execution module.Cryptographic interface is for receiving this disposal password from the user.Mixed-media network modules mixed-media transmits received disposal password server so far, verifies for this server, and receives one of this server passback and be proved to be successful information.Execution module responds this and is proved to be successful information, and carries out assignment, for example withdraws deposit account transfer, or inquiry account balance.Execution module can comprise the entity article generator, and an entity article is provided, for example cash or or valency ticket volume or other commodity are arranged.In addition, ATM (Automatic Teller Machine) can comprise reminding module, a predetermined key for example, and when the user pressed this button, reminding module utilized the screen prompt user to import this disposal password, need not also can conclude the business by fiscard by this.
According to yet another embodiment of the invention, automatic counter machine operated method comprises following steps: server responds from the request that the user sent, and sends the mobile device of disposal password to the user, and the user can learn this disposal password by this; ATM (Automatic Teller Machine) receives the disposal password that the user imported; The disposal password that the ATM (Automatic Teller Machine) transmission is received is to server; Server verifies this disposal password, and returns one and be proved to be successful information to ATM (Automatic Teller Machine); And ATM (Automatic Teller Machine) responds this and is proved to be successful information, carries out an assignment.
The assignment that ATM (Automatic Teller Machine) in above embodiment is performed, can comprise provides the entity article that prestores, and entity article can be cash for example, have the valency ticket to roll up or other commodity.
With reference to following explanation and claims scope or the embodiments of the present invention of utilization, can understand these characteristics of the present invention and advantage more as hereinafter being carried.
Description of drawings
In order to understand advantage of the present invention immediately, please refer to certain specific embodiments as shown in drawings, describe above the present invention of brief narration in detail.Only describe typical specific embodiment of the present invention at these accompanying drawings of understanding and also therefore it is not considered as limiting under the situation of category of the present invention, with extra definition and details the present invention is described with reference to the accompanying drawings, in the accompanying drawing:
Fig. 1 is a kind of financial transaction system synoptic diagram according to the present invention's one specific embodiment;
Fig. 2 is a kind of ATM (Automatic Teller Machine) synoptic diagram according to the present invention's one specific embodiment;
Fig. 3 is a kind of automatic counter machine operated process flow diagram according to the present invention's one specific embodiment;
Fig. 3 A-Fig. 3 C shows the operation screen of user's mobile device in the present invention's one specific embodiment.
Embodiment
Those skilled in the art are when knowing that the present invention can be embodied as device, method or machine can use medium.Therefore, the present invention may be embodied as various forms, for example hardware embodiment, software implementation example (comprising firmware, resident software, microprogram code etc.) completely completely perhaps also can be embodied as the form of implementation of software and hardware, are called as " module " or " system " in following meeting.
Fig. 1 shows the financial transaction system 100 among the embodiment.Financial transaction system 100 comprises server 102 and ATM (Automatic Teller Machine) 104.In this embodiment, server 102 is erected on the existing ATM (automatic teller machine) network with ATM (Automatic Teller Machine) 104, therefore server 102 can be proprietary line with ATM (Automatic Teller Machine) 104, guaranteeing transaction security, but also can be independent of existing ATM (automatic teller machine) network.Fig. 1 shows the mobile device 200 (for example mobile phone or personal digital assistant) of association service device 102 in addition, and server 102 can carry out communication via internet and/or mobile telephone network with mobile device 200.
Mobile device 200 can utilize the application program of The built-in, or the application program of SIM Tool Kit (STK), and login server 102, and before logining server 102, may need to import user's a number of the account and a preset password in advance, about this part, can seldom give unnecessary details at this referring to aforesaid U.S. Patent application 2006/0136634.What deserves to be explained is, the password of being inputed from mobile device 200 herein, only for the service of logining server 102, different with the purposes of the follow-up disposal password that will import in ATM (Automatic Teller Machine) 104.
In this embodiment, server 102 more is attached to be safeguarded by bank and is stored the account data storehouse (not shown) of user's account data, to inquire about the number of the account data under this user's number of the account.After the user successfully logins server 102, the user can further utilize mobile device 200, to follow-up disposal password (the one time password that will be used for ATM (Automatic Teller Machine) 104 of server 102 requests, OTP), and server 102 user's number of the account and produce this disposal password for this reason, and be sent to user's mobile device 200 (for example utilizing the mode of note SMS).This disposal password can have valid period, and perhaps other use restriction, for example only limit to use the ATM (Automatic Teller Machine) 104 in the town, or the ATM (Automatic Teller Machine) 104 of the set maintenance of specific bank.
ATM (Automatic Teller Machine) 104, can have keyboard, screen, monitor, cash generator, receipt printing device (all not shown among Fig. 1), in this respect as known automatic automatic teller machine, can be referring to by NCR Corp. (http://www.ncr.com/) or the Diebold company (http://www.diebold.com/) or the known automatic automatic teller machine of Wincor Nixdorf company (http://www.wincor-nixdorf.com/) manufacturing.
Note that the present invention does not desire the quantity of limiting server 102 and ATM (Automatic Teller Machine) 104, but for the present invention is described, Fig. 1 only shows a server 102 and an ATM (Automatic Teller Machine) 104, but preferably, a server 102 can be supported plural ATM (Automatic Teller Machine) 104.
Fig. 2 further shows ATM (Automatic Teller Machine) 104, it has screen 110 and cryptographic interface 120, cryptographic interface 120 can have temporary memory body 122 (for example DRAM) and input media 124 (for example keyboard), and the user utilizes input media 124 input passwords, and is temporary in the memory body 122.Different with known automatic automatic teller machine is, known automatic automatic teller machine needs the user to insert fiscard to start follow-up operation (for example inputing password) usually, but ATM (Automatic Teller Machine) 104 also has reminding module 130, and this reminding module 130 links with screen 110 and input media 124 respectively; When the user by input media 124 (a for example specific keys on the keyboard) calling prompt module 130,130 of reminding modules start a special pattern, under this special pattern, reminding module 130 is imported one-time password (otp) by screen 110 prompting users.Then, the user can by input media 124 inputs, and be temporary in memory body 122 with its mobile device 200 disposal password of receiving.In this embodiment, the user does not need to use traditional fiscard fully.
In another embodiment, cryptographic interface 120 also comprises close range wireless communication (NearField Communication, NFC) interface 126, when mobile device 200 is supported the close range wireless communication function, the user can directly be sent to cryptographic interface 120 with disposal password in wireless or contactless mode by mobile device 200, and do not need the user manually to utilize input media 124 input disposal passwords, also can avoid being peeped, more increase security by other people.In addition, the user also can pass through close range wireless communication interface 126, calls out aforesaid reminding module 130 with mobile device 200.
ATM (Automatic Teller Machine) 104 also has mixed-media network modules mixed-media 140, the user imported and be temporary in the disposal password of memory body 122, via proprietary line, be sent to server 102, verify by server 102, if be proved to be successful, then server 102 passbacks are proved to be successful information A CK and give ATM (Automatic Teller Machine) 104.What deserves to be mentioned is,, then need in valid period, to send correct disposal password to server 102 and verify, just can be proved to be successful if disposal password has valid period (for example 10-15 minute).The hardware communication setting of line between mixed-media network modules mixed-media 140 and the server 102 herein, can be with reference to the hardware communication setting between known automatic automatic teller machine and the bank server, but should note known automatic automatic teller machine because the deficiency of security measures, can't send the password that the user inputed to bank server and verify as the ATM (Automatic Teller Machine) in the present embodiment 104.
ATM (Automatic Teller Machine) 104 also has an execution module 150, receive that server 102 passed back be proved to be successful information A CK after, can be according to user's follow-up indication on ATM (Automatic Teller Machine) 104, and for example operations such as account transfer or inquiry account balance of execution, the also cash generator 152 of may command ATM (Automatic Teller Machine) 104 is to provide the user required cash.
In another embodiment, the user is when logining server 102, the i.e. transaction of selecting indication institute desire to carry out by mobile device 200, and announcement server 102, and therefore when server 102 passbacks are proved to be successful information A CK to ATM (Automatic Teller Machine) 104, the also Notice Of Transactions ATM (Automatic Teller Machine) 104 that user institute desire can be carried out, and require execution module 150 to carry out, the user can save subsequent step required on ATM (Automatic Teller Machine) 104 by this.
Fig. 3 then shows the automatic counter machine operated method in the embodiment of the invention, and cooperates Fig. 1 and Fig. 2, and the present invention is described.
In step 300, mobile device 200 is logined the bank transaction service system (picture of mobile device 200 as shown in Figure 3A) that server 102 is provided earlier, then server 102 responds the request of being sent from mobile device 200, and send disposal password OTP to mobile device 200 (picture of mobile device 200 is shown in Fig. 3 B), can be about the more details of this part with reference to U.S. Patent application 2006/0136634.In another embodiment, the user also can utilize mobile device 200 device in addition to come request server 102 to send disposal passwords to mobile device 200.
Then in step 302, the user can arbitrarily select an ATM (Automatic Teller Machine) 104, or, select ATM (Automatic Teller Machine) 104 (for example being positioned at the ATM (Automatic Teller Machine) 104 of some particular address) according to being sent to the operation indication of mobile device 200 with adhering to disposal password OTP.ATM (Automatic Teller Machine) 104 receives the disposal password that the user imported, and wherein the user can utilize manually input password of input media 124, or utilizes the mode of close range wireless communication, utilizes mobile device 200 input passwords.Before this disposal password of input, the user can first calling prompt module 130 (as shown in Figure 2), and after hint image appears in the screen 110 of ATM (Automatic Teller Machine) 104 (shown in the picture of Fig. 2 screen 110), the input disposal password.
In step 304, ATM (Automatic Teller Machine) 104 transmits disposal password to the server 102 that the user imported and verifies.In step 306, server 102 passbacks are proved to be successful information to ATM (Automatic Teller Machine) 104.At last in step 308, the information that is proved to be successful that ATM (Automatic Teller Machine) 104 response servers 102 are sent, and carry out the operation (for example extracting cash) that the user desired to finish.And the follow-up information that can be finished by screen 110 demonstration operations is again given the user, or in addition send information that operations finish mobile device 200 (picture of mobile device 200 is shown in Fig. 3 C) to the user by server 102, perhaps the information finished of this operation can send to mobile device 200 by close range wireless communication interface 126.
The above embodiments, though be mainly used in the financial transaction operation, those skilled in the art the present invention as can be known also can be applicable to the transaction system that other need carry out identification, for example ticket-booking system or the point of sales system of entity article is provided.
Under the situation that does not break away from the present invention's spirit or necessary characteristic, can other particular forms embody the present invention.Described specific embodiment each side only should be considered as illustrative and non-limiting.Therefore, category of the present invention is shown in the claims scope but not as described above shown in the explanation.All drop on the equivalent meaning of claim scope and the change in the scope should be considered as dropping in the category of claim scope.
The main element symbol description
100 financial transaction systems, 102 servers
104 ATMs, 110 screens
120 cryptographic interfaces, 122 temporary memory bodys
124 input units, 126 close range wireless communication interfaces
130 reminding modules, 140 mixed-media network modules mixed-medias
150 execution modules, 152 cash generators
200 mobile device OTP disposal passwords
ACK is proved to be successful information.

Claims (10)

1. an ATM (Automatic Teller Machine) is arranged at the public place, and described ATM (Automatic Teller Machine) is connected with a server, and described server is issued a disposal password to the user, and described ATM (Automatic Teller Machine) comprises:
One cryptographic interface is for receiving the described disposal password that the user imported;
One mixed-media network modules mixed-media is verified for described server for transmitting described disposal password to described server, and receives one of described server passback and be proved to be successful information; And
One execution module responds the described information that is proved to be successful, and carries out an assignment.
2. ATM (Automatic Teller Machine) according to claim 1 also comprises:
One reminding module, for response user's instruction, and the prompting user imports described disposal password.
3. ATM (Automatic Teller Machine) according to claim 1, wherein said execution module also comprises:
One entity article generator responds the described information that is proved to be successful, and an entity article that prestores is provided.
4. ATM (Automatic Teller Machine) according to claim 3, wherein said entity article are cash or valency ticket volume are arranged.
5. ATM (Automatic Teller Machine) according to claim 1, wherein said cryptographic interface receives described disposal password from described user's a mobile device in contactless mode.
6. the method for operation one ATM (Automatic Teller Machine), described ATM (Automatic Teller Machine) is arranged at the public place, and links with a server, and described method comprises:
The described server response request that the user sent, and send the mobile device of a disposal password to described user;
Described ATM (Automatic Teller Machine) receives the described disposal password that described user imports;
Described ATM (Automatic Teller Machine) transmits described disposal password to described server;
Described server verifies described disposal password, and returns one and be proved to be successful information to described ATM (Automatic Teller Machine); And
The described information that is proved to be successful of described ATM (Automatic Teller Machine) response is carried out an assignment.
7. method according to claim 6, wherein said assignment is for providing an entity article that prestores.
8. method according to claim 7, wherein said entity article are cash or valency ticket volume are arranged.
9. method according to claim 6, the step of wherein said reception disposal password comprise from described mobile device and receive described disposal password.
10. financial transaction system comprises:
One server, response user's request, and send the mobile device of a disposal password (OTP) to described user; And
One ATM (Automatic Teller Machine) (ATM) is arranged at the public place, links with described server, and described ATM (Automatic Teller Machine) comprises:
One cryptographic interface is for receiving the described disposal password that the user imported;
One mixed-media network modules mixed-media is verified for described server for transmitting described disposal password to described server, and receives one of described server passback and be proved to be successful information; And an execution module, respond the described information that is proved to be successful, carry out a financial transaction operation, so that cash to be provided.
CN 200910160039 2009-07-16 2009-07-16 Financial transaction system, automated teller machine and method for operating automated teller machine Expired - Fee Related CN101958024B (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CN 200910160039 CN101958024B (en) 2009-07-16 2009-07-16 Financial transaction system, automated teller machine and method for operating automated teller machine

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN 200910160039 CN101958024B (en) 2009-07-16 2009-07-16 Financial transaction system, automated teller machine and method for operating automated teller machine

Publications (2)

Publication Number Publication Date
CN101958024A true CN101958024A (en) 2011-01-26
CN101958024B CN101958024B (en) 2013-06-26

Family

ID=43485335

Family Applications (1)

Application Number Title Priority Date Filing Date
CN 200910160039 Expired - Fee Related CN101958024B (en) 2009-07-16 2009-07-16 Financial transaction system, automated teller machine and method for operating automated teller machine

Country Status (1)

Country Link
CN (1) CN101958024B (en)

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN102819891A (en) * 2012-08-07 2012-12-12 徐杭生 ATM (automatic teller machine) clearing and cash replenishing control system and method
CN104778384A (en) * 2014-01-13 2015-07-15 全宏科技股份有限公司 Authorization server, authorization method and computer program product
CN111696280A (en) * 2020-06-28 2020-09-22 中国银行股份有限公司 ATM (automatic Teller machine), card retaining and retrieving method and system

Families Citing this family (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20150244694A1 (en) * 2014-02-24 2015-08-27 Inter Market Trade/Fze Authorizing server, authorizing method and computer program product

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN1547403A (en) * 2003-12-12 2004-11-17 ���пƼ���ѧ A handset used for dynamic identity authentication
CN1581186A (en) * 2004-05-21 2005-02-16 叶海峰 Hand-set payment system and method
CN101131756A (en) * 2006-08-24 2008-02-27 联想(北京)有限公司 Security authentication system, device and method for electric cash charge of mobile paying device

Family Cites Families (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN100353705C (en) * 2004-03-09 2007-12-05 欧阳世杰 Disposable cipher protection careless electronic transaction payment method
CN1912935A (en) * 2005-08-13 2007-02-14 颜立新 Vending machine and vending method
CN1777101A (en) * 2005-11-22 2006-05-24 大连理工大学 Real-time identity authentication method based on mobile phone, bluetooth and two-dimensional barcode
CN101335619B (en) * 2007-06-27 2010-10-13 刘建军 Authorized using method of disposal dynamic cipher telephone or short message

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN1547403A (en) * 2003-12-12 2004-11-17 ���пƼ���ѧ A handset used for dynamic identity authentication
CN1581186A (en) * 2004-05-21 2005-02-16 叶海峰 Hand-set payment system and method
CN101131756A (en) * 2006-08-24 2008-02-27 联想(北京)有限公司 Security authentication system, device and method for electric cash charge of mobile paying device

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN102819891A (en) * 2012-08-07 2012-12-12 徐杭生 ATM (automatic teller machine) clearing and cash replenishing control system and method
CN104778384A (en) * 2014-01-13 2015-07-15 全宏科技股份有限公司 Authorization server, authorization method and computer program product
CN111696280A (en) * 2020-06-28 2020-09-22 中国银行股份有限公司 ATM (automatic Teller machine), card retaining and retrieving method and system

Also Published As

Publication number Publication date
CN101958024B (en) 2013-06-26

Similar Documents

Publication Publication Date Title
TWI402775B (en) Financial transaction system, automated teller machine (atm), and method for operating an atm
US9390407B2 (en) Method and apparatus for providing real time mutable credit card information and for providing timestamp functionality
US10475015B2 (en) Token-based security processing
US10650378B2 (en) Customer verification
JP6467559B2 (en) Information processing system, information processing method, and information processing program
US11308481B1 (en) Cardless ATM authentication
KR101807764B1 (en) Method and system for providing financial service
EP2721569A2 (en) System and method of multi-factor balance inquiry and electronic funds transfer
EP2731065A1 (en) Method for processing a payment, and system and electronic device for implementing the same
AU2013224185A1 (en) Transaction processing system and method
CN112889046A (en) System and method for password authentication of contactless cards
CN101958024B (en) Financial transaction system, automated teller machine and method for operating automated teller machine
CN101872513A (en) Data processing method, device and system based on POS (Point-Of-Sale) machine
EP2779069A1 (en) Method and system for managing a transaction
KR20230137326A (en) System and method for short-distance non-contact card communication and encryption authentication
JP7223753B2 (en) payment processing
CN113439282A (en) Authentication for third party digital wallet provisioning
KR101338724B1 (en) Method and apparatus for financial transactions using smart phone
US20190147422A1 (en) Automated transaction machine, communication terminal, automated transaction system, and program
CN101770668B (en) Mobile phone capable of transacting with electronic transaction device
TWM582631U (en) Inductive financial card system
CN104657850A (en) Mobile payment method and mobile payment system
EP4120165A1 (en) Method for managing a smart card
KR101313413B1 (en) Business processing apparatus, method and storage medium
JP7419841B2 (en) Information processing equipment and programs

Legal Events

Date Code Title Description
C06 Publication
PB01 Publication
C10 Entry into substantive examination
SE01 Entry into force of request for substantive examination
C14 Grant of patent or utility model
GR01 Patent grant
CF01 Termination of patent right due to non-payment of annual fee
CF01 Termination of patent right due to non-payment of annual fee

Granted publication date: 20130626

Termination date: 20170716