CN103839329A - 基于智能卡的价值转移 - Google Patents
基于智能卡的价值转移 Download PDFInfo
- Publication number
- CN103839329A CN103839329A CN201310711884.7A CN201310711884A CN103839329A CN 103839329 A CN103839329 A CN 103839329A CN 201310711884 A CN201310711884 A CN 201310711884A CN 103839329 A CN103839329 A CN 103839329A
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- programming device
- data
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- scheme
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- 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.)
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- 238000012546 transfer Methods 0.000 title claims abstract description 20
- 238000012545 processing Methods 0.000 claims abstract description 16
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Images
Classifications
-
- 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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
-
- 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
- G06Q20/042—Payment circuits characterized in that the payment protocol involves at least one cheque
- G06Q20/0425—Payment circuits characterized in that the payment protocol involves at least one cheque the cheque being electronic only
-
- 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
- G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
-
- 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
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
-
- 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
-
- 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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
-
- 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
- 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
- G07F7/1025—Identification of user by a PIN code
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Engineering & Computer Science (AREA)
- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
- Finance (AREA)
- General Business, Economics & Management (AREA)
- Strategic Management (AREA)
- Theoretical Computer Science (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Marketing (AREA)
- Technology Law (AREA)
- Computer Security & Cryptography (AREA)
- Computer Networks & Wireless Communication (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Cash Registers Or Receiving Machines (AREA)
Abstract
Description
Claims (7)
Applications Claiming Priority (3)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
GB0305806.2 | 2003-03-13 | ||
GB0305806A GB0305806D0 (en) | 2003-03-13 | 2003-03-13 | Smartcard based value transfer |
CNA2004800127806A CN1788291A (zh) | 2003-03-13 | 2004-03-15 | 基于智能卡的价值转移 |
Related Parent Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
CNA2004800127806A Division CN1788291A (zh) | 2003-03-13 | 2004-03-15 | 基于智能卡的价值转移 |
Publications (2)
Publication Number | Publication Date |
---|---|
CN103839329A true CN103839329A (zh) | 2014-06-04 |
CN103839329B CN103839329B (zh) | 2018-08-14 |
Family
ID=9954740
Family Applications (2)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
CN201310711884.7A Expired - Lifetime CN103839329B (zh) | 2003-03-13 | 2004-03-15 | 基于智能卡的价值转移 |
CNA2004800127806A Pending CN1788291A (zh) | 2003-03-13 | 2004-03-15 | 基于智能卡的价值转移 |
Family Applications After (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
CNA2004800127806A Pending CN1788291A (zh) | 2003-03-13 | 2004-03-15 | 基于智能卡的价值转移 |
Country Status (7)
Country | Link |
---|---|
US (2) | US8694437B2 (zh) |
EP (1) | EP1609122A1 (zh) |
JP (1) | JP4490965B2 (zh) |
CN (2) | CN103839329B (zh) |
GB (2) | GB0305806D0 (zh) |
HK (1) | HK1197310A1 (zh) |
WO (1) | WO2004081889A1 (zh) |
Families Citing this family (6)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
CN101470918B (zh) * | 2007-12-29 | 2012-09-05 | 辽宁泰德计算机网络工程有限公司 | 监控管理式银行卡系统及其使用方法 |
CN101930640A (zh) * | 2009-06-26 | 2010-12-29 | 海南新生信息技术有限公司 | 一卡多账户多交易方法和系统 |
US9361620B2 (en) | 2011-10-14 | 2016-06-07 | Leisure Pass Group Limited | Electronic transaction system with entitlement and promotion engines |
US20130246279A1 (en) * | 2012-03-19 | 2013-09-19 | Royal Canadian Mint/Monnaie Royale Canadienne | External log storage in an asset storage and transfer system |
US11410138B2 (en) | 2019-06-19 | 2022-08-09 | The Toronto-Dominion Bank | Value transfer card management system |
US11367076B2 (en) * | 2019-06-19 | 2022-06-21 | The Toronto-Dominion Bank | Entity-based controls for value transfer cards |
Citations (6)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
CN1120203A (zh) * | 1994-02-08 | 1996-04-10 | 美国电报电话公司 | 使用智能卡的安全转移货币技术 |
CN1189906A (zh) * | 1995-05-11 | 1998-08-05 | 蒙德克斯国际有限公司 | 金额值转移系统 |
CN1260894A (zh) * | 1997-06-27 | 2000-07-19 | 国民西敏寺银行 | 付款方法及其系统 |
CN1293787A (zh) * | 1998-04-17 | 2001-05-02 | 迪布尔特有限公司 | 交易机 |
CN1340784A (zh) * | 2000-08-31 | 2002-03-20 | 国际商业机器公司 | 允许通过消费者设备使用智能卡进行网络商务 |
CN1399216A (zh) * | 2001-07-23 | 2003-02-26 | 株式会社Ntt都科摩 | 电子支付方法、系统和装置 |
Family Cites Families (14)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
ZA907106B (en) * | 1989-10-06 | 1991-09-25 | Net 1 Products Pty Ltd | Funds transfer system |
US5623547A (en) * | 1990-04-12 | 1997-04-22 | Jonhig Limited | Value transfer system |
GB9121995D0 (en) | 1991-10-16 | 1991-11-27 | Jonhig Ltd | Value transfer system |
US5453601A (en) * | 1991-11-15 | 1995-09-26 | Citibank, N.A. | Electronic-monetary system |
US5434919A (en) * | 1994-01-11 | 1995-07-18 | Chaum; David | Compact endorsement signature systems |
US5930363A (en) * | 1995-03-17 | 1999-07-27 | Transmo Limited | Card charging systems |
JPH09237299A (ja) * | 1996-02-29 | 1997-09-09 | Hitachi Ltd | 電子財布 |
US5889941A (en) * | 1996-04-15 | 1999-03-30 | Ubiq Inc. | System and apparatus for smart card personalization |
IL119486A0 (en) * | 1996-10-24 | 1997-01-10 | Fortress U & T Ltd | Apparatus and methods for collecting value |
US6467685B1 (en) * | 1997-04-01 | 2002-10-22 | Cardis Enterprise International N.V. | Countable electronic monetary system and method |
US6913193B1 (en) * | 1998-01-30 | 2005-07-05 | Citicorp Development Center, Inc. | Method and system of tracking and providing an audit trail of smart card transactions |
JP4176180B2 (ja) * | 1998-03-13 | 2008-11-05 | 富士通株式会社 | 電子小切手システム、金融情報管理システム、電子小切手管理装置、金融情報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、及び電子小切手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 |
NL1012204C1 (nl) * | 1999-06-01 | 2000-12-04 | Sieverding Warnau B V | Systeem voor het onmiddelijk en anoniem overdragen van (virtuele garanties betreffende) virtueel waardepapier, voor het monitoren van virtueel waardepapier of virtueel geld dat in omloop is en voor het in rekening brengen van de systeemkosten aan de gebruikers naar rato van hun gebruik. |
JP2001184472A (ja) * | 1999-12-27 | 2001-07-06 | Hitachi Ltd | アプリケーションプログラムの供給方法、スマートカード、スクリプト供給方法、端末装置およびアプリケーションプログラムを有する記憶媒体 |
-
2003
- 2003-03-13 GB GB0305806A patent/GB0305806D0/en not_active Ceased
-
2004
- 2004-03-15 JP JP2006505962A patent/JP4490965B2/ja not_active Expired - Fee Related
- 2004-03-15 CN CN201310711884.7A patent/CN103839329B/zh not_active Expired - Lifetime
- 2004-03-15 GB GB0519180A patent/GB2414590B/en not_active Expired - Lifetime
- 2004-03-15 EP EP20040720644 patent/EP1609122A1/en not_active Ceased
- 2004-03-15 WO PCT/GB2004/001094 patent/WO2004081889A1/en active Application Filing
- 2004-03-15 CN CNA2004800127806A patent/CN1788291A/zh active Pending
- 2004-03-15 US US10/548,762 patent/US8694437B2/en active Active
-
2014
- 2014-04-07 US US14/246,778 patent/US20140222646A1/en not_active Abandoned
- 2014-10-28 HK HK14110790A patent/HK1197310A1/zh not_active IP Right Cessation
Patent Citations (6)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
CN1120203A (zh) * | 1994-02-08 | 1996-04-10 | 美国电报电话公司 | 使用智能卡的安全转移货币技术 |
CN1189906A (zh) * | 1995-05-11 | 1998-08-05 | 蒙德克斯国际有限公司 | 金额值转移系统 |
CN1260894A (zh) * | 1997-06-27 | 2000-07-19 | 国民西敏寺银行 | 付款方法及其系统 |
CN1293787A (zh) * | 1998-04-17 | 2001-05-02 | 迪布尔特有限公司 | 交易机 |
CN1340784A (zh) * | 2000-08-31 | 2002-03-20 | 国际商业机器公司 | 允许通过消费者设备使用智能卡进行网络商务 |
CN1399216A (zh) * | 2001-07-23 | 2003-02-26 | 株式会社Ntt都科摩 | 电子支付方法、系统和装置 |
Also Published As
Publication number | Publication date |
---|---|
GB2414590A (en) | 2005-11-30 |
GB2414590B (en) | 2006-07-26 |
CN103839329B (zh) | 2018-08-14 |
EP1609122A1 (en) | 2005-12-28 |
GB0519180D0 (en) | 2005-10-26 |
CN1788291A (zh) | 2006-06-14 |
GB0305806D0 (en) | 2003-04-16 |
JP2006520499A (ja) | 2006-09-07 |
HK1197310A1 (zh) | 2015-01-09 |
US20070094149A1 (en) | 2007-04-26 |
JP4490965B2 (ja) | 2010-06-30 |
WO2004081889A1 (en) | 2004-09-23 |
US20140222646A1 (en) | 2014-08-07 |
US8694437B2 (en) | 2014-04-08 |
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Address after: Kent County Patentee after: ECEBS LTD. Address before: London Patentee before: ECEBS LTD. |
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TR01 | Transfer of patent right |
Effective date of registration: 20230721 Address after: California, USA Patentee after: VISA INTERNATIONAL SERVICE ASSOCIATION Address before: Kent County Patentee before: ECEBS LTD. |
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Granted publication date: 20180814 |