CN104169954A - 用于使用便携式计算设备的安全的离线支付交易的系统和方法 - Google Patents

用于使用便携式计算设备的安全的离线支付交易的系统和方法 Download PDF

Info

Publication number
CN104169954A
CN104169954A CN201280066678.9A CN201280066678A CN104169954A CN 104169954 A CN104169954 A CN 104169954A CN 201280066678 A CN201280066678 A CN 201280066678A CN 104169954 A CN104169954 A CN 104169954A
Authority
CN
China
Prior art keywords
digital signature
consumer
payment
payment request
transaction
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.)
Pending
Application number
CN201280066678.9A
Other languages
English (en)
Chinese (zh)
Inventor
J·阿泽恩
J·梅嫩德斯
E·克拉尔
G·罗斯
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.)
Qualcomm Inc
Original Assignee
Qualcomm 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 Qualcomm Inc filed Critical Qualcomm Inc
Publication of CN104169954A publication Critical patent/CN104169954A/zh
Pending legal-status Critical Current

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3272—Short range or proximity payments by means of M-devices using an audio code
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/20—Point-of-sale [POS] network systems
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3278—RFID or NFC payments by means of M-devices
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/3825—Use of electronic signatures

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Computer Security & Cryptography (AREA)
  • Cash Registers Or Receiving Machines (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)
CN201280066678.9A 2012-01-12 2012-12-13 用于使用便携式计算设备的安全的离线支付交易的系统和方法 Pending CN104169954A (zh)

Applications Claiming Priority (5)

Application Number Priority Date Filing Date Title
US201261585714P 2012-01-12 2012-01-12
US61/585,714 2012-01-12
US13/363,592 US20130185214A1 (en) 2012-01-12 2012-02-01 System and Method For Secure Offline Payment Transactions Using A Portable Computing Device
US13/363,592 2012-02-01
PCT/US2012/069420 WO2013106159A1 (en) 2012-01-12 2012-12-13 System and method for secure offline payment transactions using a portable computing device

Publications (1)

Publication Number Publication Date
CN104169954A true CN104169954A (zh) 2014-11-26

Family

ID=48780680

Family Applications (1)

Application Number Title Priority Date Filing Date
CN201280066678.9A Pending CN104169954A (zh) 2012-01-12 2012-12-13 用于使用便携式计算设备的安全的离线支付交易的系统和方法

Country Status (7)

Country Link
US (1) US20130185214A1 (https=)
EP (1) EP2803023A1 (https=)
JP (1) JP2015508541A (https=)
KR (1) KR20140111033A (https=)
CN (1) CN104169954A (https=)
IN (1) IN2014MN01590A (https=)
WO (1) WO2013106159A1 (https=)

Cited By (13)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN104901806A (zh) * 2014-12-29 2015-09-09 腾讯科技（深圳）有限公司 一种虚拟资源处理方法、装置和系统
WO2016082681A1 (zh) * 2014-11-27 2016-06-02 中国银联股份有限公司 Pos终端以及包括其的支付系统
CN105913253A (zh) * 2016-03-25 2016-08-31 天地融科技股份有限公司 一种电子签名设备的交易方法、交易系统和电子签名设备
CN108028001A (zh) * 2015-08-19 2018-05-11 声付有限责任公司 用于音频信号中介式交互的系统和方法
CN108463830A (zh) * 2015-11-18 2018-08-28 e2因特莱科迪伏有限公司 用于本地交易授权的网桥
CN108475371A (zh) * 2015-11-06 2018-08-31 Visa欧洲有限公司 交易授权
CN109074584A (zh) * 2016-03-01 2018-12-21 谷歌有限责任公司 免手操交易的直接结算
CN109313762A (zh) * 2016-03-08 2019-02-05 加拿大皇家银行 用于表征预存资金支付的数据集的安全生成和处理的系统、方法和设备
CN110178347A (zh) * 2017-01-12 2019-08-27 环汇系统有限公司 用于保护在消费者移动设备和计算装置上的个人识别号码输入隐私的系统和方法
CN110832518A (zh) * 2017-04-19 2020-02-21 维萨国际服务协会 使用远程销售点系统进行安全交易的系统、方法和设备
CN111541728A (zh) * 2016-09-20 2020-08-14 徐蔚 一种运用支付标记的数字货币支付的方法、装置与移动终端
CN113015990A (zh) * 2018-09-28 2021-06-22 维萨国际服务协会 用于安全远程交易认证和结算的系统、方法和计算机程序产品
CN113947410A (zh) * 2021-10-27 2022-01-18 孩子王儿童用品股份有限公司 一种支付方法、装置及设备

Families Citing this family (84)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20050229003A1 (en) 2004-04-09 2005-10-13 Miles Paschini System and method for distributing personal identification numbers over a computer network
US7401224B2 (en) * 2002-05-15 2008-07-15 Qualcomm Incorporated System and method for managing sonic token verifiers
US10205721B2 (en) 2002-12-10 2019-02-12 Ewi Holdings, Inc. System and method for distributing personal identification numbers over a computer network
US7131578B2 (en) 2003-05-28 2006-11-07 Ewi Holdings, Inc. System and method for electronic prepaid account replenishment
US12260396B2 (en) 2010-01-08 2025-03-25 Blackhawk Network, Inc. System for payment via electronic wallet
US11475436B2 (en) 2010-01-08 2022-10-18 Blackhawk Network, Inc. System and method for providing a security code
US11599873B2 (en) 2010-01-08 2023-03-07 Blackhawk Network, Inc. Systems and methods for proxy card and/or wallet redemption card transactions
US7280644B2 (en) 2004-12-07 2007-10-09 Ewi Holdings, Inc. Transaction processing platform for faciliating electronic distribution of plural prepaid services
US10296895B2 (en) 2010-01-08 2019-05-21 Blackhawk Network, Inc. System for processing, activating and redeeming value added prepaid cards
US10037526B2 (en) * 2010-01-08 2018-07-31 Blackhawk Network, Inc. System for payment via electronic wallet
CA2786264A1 (en) 2010-01-08 2011-07-14 Blackhawk Network, Inc. A system for processing, activating and redeeming value added prepaid cards
CA2809822C (en) 2010-08-27 2023-09-12 Blackhawk Network, Inc. Prepaid card with savings feature
US20130080333A1 (en) * 2011-09-27 2013-03-28 Oleksandr Kamotskyy Electronic wallet using allocation of funds
US20130238488A1 (en) 2012-03-07 2013-09-12 Clearxchange, Llc System and method for transferring funds
US11593800B2 (en) 2012-03-07 2023-02-28 Early Warning Services, Llc System and method for transferring funds
US10395223B2 (en) 2012-03-07 2019-08-27 Early Warning Services, Llc System and method for transferring funds
US10395247B2 (en) 2012-03-07 2019-08-27 Early Warning Services, Llc Systems and methods for facilitating a secure transaction at a non-financial institution system
US11042870B2 (en) 2012-04-04 2021-06-22 Blackhawk Network, Inc. System and method for using intelligent codes to add a stored-value card to an electronic wallet
US20140081856A1 (en) * 2012-09-14 2014-03-20 Bank Of America Corporation Gift card association with account and user customization
CN102932146B (zh) * 2012-10-08 2015-06-17 天地融科技股份有限公司 一种电子签名工具及系统
US20140101037A1 (en) * 2012-10-09 2014-04-10 Electronic Payment Exchange Real-Time Authorization Interchange Surcharge
EP2923325A4 (en) 2012-11-20 2016-08-17 Blackhawk Network Inc SYSTEM AND METHOD FOR USING INTELLIGENT CODES IN CONNECTION WITH MEMORY VALUE CARDS
US20140208105A1 (en) * 2013-01-23 2014-07-24 GILBARCO, S.r.I. Automated Content Signing for Point-of-Sale Applications in Fuel Dispensing Environments
US10192214B2 (en) 2013-03-11 2019-01-29 Google Llc Pending deposit for payment processing system
US20140279101A1 (en) * 2013-03-15 2014-09-18 Clinkle Corporation Distance factor based mobile device selection
GB2514780A (en) * 2013-06-03 2014-12-10 Mastercard International Inc Methods and apparatus for performing local transactions
US20150032636A1 (en) * 2013-07-29 2015-01-29 WCW Innovation, LLC Dissociative Payment Transaction And Receipt System And Methods Of Using Same
JP6393325B2 (ja) 2013-10-30 2018-09-19 アップル インコーポレイテッドＡｐｐｌｅ Ｉｎｃ． 関連するユーザインターフェースオブジェクトの表示
EA201690882A1 (ru) 2013-10-30 2016-11-30 Джилбарко Инк. Криптографическая отметка водяным знаком содержимого в топливораздаточном оборудовании
CA2943810A1 (en) * 2014-03-26 2015-10-01 Google Inc. Secure offline payment system
US20150278795A1 (en) * 2014-03-26 2015-10-01 Google Inc. Secure offline payment system
US9785940B2 (en) * 2014-03-27 2017-10-10 Bank of the Ozarks System and method for distributed real time authorization of payment transactions
CN103903368B (zh) * 2014-04-10 2016-02-03 福建联迪商用设备有限公司 Pos终端设备、声波支付系统及方法
WO2015159165A1 (en) * 2014-04-16 2015-10-22 Visa International Service Association Secure transmission of payment credentials
CN103984911B (zh) * 2014-05-05 2016-08-17 福建联迪商用设备有限公司 密码键盘、支付系统及其支付方法
US10475026B2 (en) 2014-05-16 2019-11-12 International Business Machines Corporation Secure management of transactions using a smart/virtual card
US9483763B2 (en) 2014-05-29 2016-11-01 Apple Inc. User interface for payments
US10990941B1 (en) 2014-08-15 2021-04-27 Jpmorgan Chase Bank, N.A. Systems and methods for facilitating payments
WO2016036552A1 (en) 2014-09-02 2016-03-10 Apple Inc. User interactions for a mapping application
US10311439B2 (en) * 2014-10-15 2019-06-04 Paypal, Inc. Systems and methods for facilitating offline payments
CN104573139A (zh) * 2015-01-21 2015-04-29 胡涛 一种信息记录方法
CA2976701A1 (en) * 2015-02-17 2016-08-25 Visa International Service Association Cloud encryption key broker apparatuses, methods and systems
US11301841B2 (en) * 2015-05-13 2022-04-12 Sony Corporation Method and system for authenticating a virtual currency instrument
US10963881B2 (en) * 2015-05-21 2021-03-30 Mastercard International Incorporated Method and system for fraud control of blockchain-based transactions
US20160358133A1 (en) 2015-06-05 2016-12-08 Apple Inc. User interface for loyalty accounts and private label accounts for a wearable device
US9940637B2 (en) * 2015-06-05 2018-04-10 Apple Inc. User interface for loyalty accounts and private label accounts
US11386410B2 (en) * 2015-07-21 2022-07-12 Early Warning Services, Llc Secure transactions with offline device
CN106447323A (zh) * 2015-08-05 2017-02-22 阿里巴巴集团控股有限公司 业务验证方法及装置
WO2017024188A1 (en) * 2015-08-05 2017-02-09 Alibaba Group Holding Limited Method and apparatus for service authentication cross-reference to related applications
US9769607B2 (en) * 2015-09-24 2017-09-19 Cisco Technology, Inc. Determining proximity of computing devices using ultrasonic audio signatures
US10423957B2 (en) * 2015-11-23 2019-09-24 Mastercard International Incorporated Systems and methods using an authentication and payment processing platform
ES3035708T3 (en) * 2015-12-15 2025-09-08 Walter Hanke Mech Werkstaetten Gmbh & Co Kg System for cashless payment for products or services
US11049096B2 (en) * 2015-12-31 2021-06-29 Paypal, Inc. Fault tolerant token based transaction systems
KR101766303B1 (ko) * 2016-04-19 2017-08-08 주식회사 코인플러그 인증 정보의 생성, 등록, 파기 방법 및 인증 지원 서버
EP3449448A4 (en) * 2016-04-25 2019-11-13 Visa International Service Association SYSTEM FOR VISUALLY IMPAIRED USERS TO EXECUTE ELECTRONIC TRANSACTIONS
KR101780635B1 (ko) * 2016-04-28 2017-09-21 주식회사 코인플러그 인증 정보의 생성, 등록, 파기 방법 및 인증 지원 서버
US10333705B2 (en) 2016-04-30 2019-06-25 Civic Technologies, Inc. Methods and apparatus for providing attestation of information using a centralized or distributed ledger
CN106911658B (zh) 2016-06-07 2021-08-06 创新先进技术有限公司 数据的传输方法、数据发送端、数据接收端及系统
US11580608B2 (en) 2016-06-12 2023-02-14 Apple Inc. Managing contact information for communication applications
CN111899026B (zh) 2016-06-20 2024-10-01 创新先进技术有限公司 一种支付方法和装置
US20170372306A1 (en) * 2016-06-27 2017-12-28 Samsung Electronics Co., Ltd. Payment by mobile device secured by f-puf
US20180053176A1 (en) * 2016-08-19 2018-02-22 Google Inc. Tap And Pair Via Proximity Sensing
WO2018046103A1 (en) * 2016-09-10 2018-03-15 Swiss Reinsurance Company Ltd. Secure key management and peer-to-peer transmission system with a controlled, double-tier cryptographic key structure and corresponding method thereof
WO2018128581A1 (en) * 2017-01-06 2018-07-12 Aimazing Pte Ltd A transaction management method
US11210670B2 (en) 2017-02-28 2021-12-28 Early Warning Services, Llc Authentication and security for mobile-device transactions
WO2018190938A1 (en) 2017-04-10 2018-10-18 Google Llc Mobile service requests to any sound emitting device
EP3616392B1 (en) * 2017-04-24 2021-07-07 Google LLC Pairing computing devices via audio communication channels
US11966912B2 (en) * 2017-06-26 2024-04-23 Auctane, Inc. System and method for cryptographic-chain-based verification of postage transaction records
SG10202102486UA (en) * 2017-07-03 2021-04-29 Gp Network Asia Pte Ltd Processing payments
US11651358B2 (en) 2017-07-25 2023-05-16 Mastercard International Incorporated Method and system for transaction processing with complete cryptographic auditability
US11403627B2 (en) * 2017-08-03 2022-08-02 Liquineq AG System and method for conducting and securing transactions when blockchain connection is unreliable
US10963861B2 (en) * 2017-09-15 2021-03-30 Jpmorgan Chase Bank, N.A. Mobile-based electronic payment solution using sound transmission between parties in proximity
EP3486852A3 (de) * 2017-11-15 2019-08-07 Rubean AG Verfahren und anordnung zum auslösen einer elektronischen zahlung
SG10201803203TA (en) 2018-04-17 2019-11-28 Mastercard International Inc Server and method for sending a transaction receipt via a push notification
US11423367B2 (en) * 2018-05-02 2022-08-23 Mastercard Internatioanl Incorporated Method and system for securing transactions by check using blockchain technology
US20200235930A1 (en) * 2019-01-23 2020-07-23 Volkswagen Ag Transportation vehicle transactional security authentication
DK201970531A1 (en) 2019-05-06 2021-07-09 Apple Inc Avatar integration with multiple applications
US11477609B2 (en) 2019-06-01 2022-10-18 Apple Inc. User interfaces for location-related communications
US11481094B2 (en) 2019-06-01 2022-10-25 Apple Inc. User interfaces for location-related communications
US10839371B1 (en) 2019-07-08 2020-11-17 Capital One Services, Llc Contactless card tap pay for offline transactions
US11151575B2 (en) * 2019-07-09 2021-10-19 Bank Of America Corporation Trusted pair authentication with edge-computing devices
CN113988847B (zh) * 2019-12-31 2025-04-04 网联清算有限公司 支付处理方法、装置及系统
FR3116407B1 (fr) * 2020-11-13 2023-11-17 Banks And Acquirers Int Holding Procédé de traitement d’une opération impliquant des données secrètes, terminal, système et programme d’ordinateur correspondant
US12499427B2 (en) 2021-08-31 2025-12-16 Early Warning Services, Llc Direct electronic bill payment with real-time funds availability

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5613004A (en) * 1995-06-07 1997-03-18 The Dice Company Steganographic method and device
US5892900A (en) * 1996-08-30 1999-04-06 Intertrust Technologies Corp. Systems and methods for secure transaction management and electronic rights protection
US6327578B1 (en) * 1998-12-29 2001-12-04 International Business Machines Corporation Four-party credit/debit payment protocol
EP1349031A1 (en) * 2002-03-18 2003-10-01 Ubs Ag Secure user and data authentication over a communication network
US7181621B2 (en) * 2000-08-27 2007-02-20 Enco-Tone Ltd. Methods and device for digitally signing data

Family Cites Families (14)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP4071271B2 (ja) * 1996-11-14 2008-04-02 松下電器産業株式会社 パーソナル電子決済システム
JPH10307885A (ja) * 1997-03-06 1998-11-17 N T T Data:Kk 電子マネーシステム、電子マネーカード、電子マネー取引方法及び記録媒体
EP1116155A2 (en) * 1998-10-02 2001-07-18 Comsense Technologies Ltd. Card for interaction with a computer
US7606760B2 (en) * 1999-06-18 2009-10-20 Echarge Corporation Method and apparatus for ordering goods, services and content over an internetwork using a virtual payment account
ES2192399T3 (es) * 1999-10-25 2003-10-01 Swisscom Mobile Ag Procedimiento y sistema de transaccion de pagos.
MXPA03003308A (es) * 2000-10-18 2004-12-03 Ultra Proizv Elektronskih Napr Sistema para el pago de intercambio de datos y el dispositivo terminal de pago usado en el mismo.
JP2004102527A (ja) * 2002-09-06 2004-04-02 Nippon Telegr & Teleph Corp <Ntt> 匿名決済方法及びシステム及び匿名決済プログラム
JP2005010964A (ja) * 2003-06-18 2005-01-13 Dainippon Printing Co Ltd 携帯通信端末を用いた決済システム
JP2005115876A (ja) * 2003-10-10 2005-04-28 Kenichi Oga 携帯端末を利用した決済処理システム、店舗装置、サーバ、携帯端末
IL176262A0 (en) * 2006-06-12 2006-10-05 Cidway Technologies Ltd Secure and friendly payment system
US20090069049A1 (en) * 2007-09-12 2009-03-12 Devicefidelity, Inc. Interfacing transaction cards with host devices
US8762211B2 (en) * 2007-10-03 2014-06-24 Mastercard International Incorporated System for personalized payments via mobile devices
CN101727712B (zh) * 2008-10-16 2012-10-31 中国银联股份有限公司 一种电子现金的转账方法
KR101807764B1 (ko) * 2010-12-31 2018-01-19 주식회사 케이티 금융 서비스 제공 방법 및 시스템

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5613004A (en) * 1995-06-07 1997-03-18 The Dice Company Steganographic method and device
US5892900A (en) * 1996-08-30 1999-04-06 Intertrust Technologies Corp. Systems and methods for secure transaction management and electronic rights protection
US6327578B1 (en) * 1998-12-29 2001-12-04 International Business Machines Corporation Four-party credit/debit payment protocol
US7181621B2 (en) * 2000-08-27 2007-02-20 Enco-Tone Ltd. Methods and device for digitally signing data
EP1349031A1 (en) * 2002-03-18 2003-10-01 Ubs Ag Secure user and data authentication over a communication network

Cited By (28)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2016082681A1 (zh) * 2014-11-27 2016-06-02 中国银联股份有限公司 Pos终端以及包括其的支付系统
CN104901806A (zh) * 2014-12-29 2015-09-09 腾讯科技（深圳）有限公司 一种虚拟资源处理方法、装置和系统
CN104901806B (zh) * 2014-12-29 2016-06-22 腾讯科技（深圳）有限公司 一种虚拟资源处理方法、装置和系统
CN108028001A (zh) * 2015-08-19 2018-05-11 声付有限责任公司 用于音频信号中介式交互的系统和方法
US10692068B2 (en) 2015-08-19 2020-06-23 Soundpays Inc. System and method for audio signal mediated interactions
CN108475371A (zh) * 2015-11-06 2018-08-31 Visa欧洲有限公司 交易授权
US11645653B2 (en) 2015-11-06 2023-05-09 Visa Europe Limited Transaction authorization
CN108463830A (zh) * 2015-11-18 2018-08-28 e2因特莱科迪伏有限公司 用于本地交易授权的网桥
CN109074584B (zh) * 2016-03-01 2022-04-26 谷歌有限责任公司 免手操交易的直接结算
CN109074584A (zh) * 2016-03-01 2018-12-21 谷歌有限责任公司 免手操交易的直接结算
CN114707994A (zh) * 2016-03-01 2022-07-05 谷歌有限责任公司 免手操交易的直接结算
CN114707994B (zh) * 2016-03-01 2025-08-12 谷歌有限责任公司 免手操交易的直接结算
CN109313762A (zh) * 2016-03-08 2019-02-05 加拿大皇家银行 用于表征预存资金支付的数据集的安全生成和处理的系统、方法和设备
CN109313762B (zh) * 2016-03-08 2023-07-14 加拿大皇家银行 用于表征预存资金支付的数据集的安全生成和处理的系统、方法和设备
CN105913253A (zh) * 2016-03-25 2016-08-31 天地融科技股份有限公司 一种电子签名设备的交易方法、交易系统和电子签名设备
CN111541728A (zh) * 2016-09-20 2020-08-14 徐蔚 一种运用支付标记的数字货币支付的方法、装置与移动终端
CN111541728B (zh) * 2016-09-20 2023-10-10 徐蔚 一种运用支付标记的支付方法、装置与移动终端
US11756033B2 (en) 2017-01-12 2023-09-12 Stripe, Inc. System and method to protect privacy of personal-identification-number entry on consumer mobile device and computing apparatus
CN110178347B (zh) * 2017-01-12 2022-08-05 环汇系统有限公司 用于保护在消费者移动设备和计算装置上的个人识别号码输入隐私的系统和方法
US11288670B2 (en) 2017-01-12 2022-03-29 BBPOS Limited System and method to protect privacy of personal-identification-number entry on consumer mobile device and computing apparatus
US12056701B2 (en) 2017-01-12 2024-08-06 Stripe, Inc. System and method to protect privacy of Personal-Identification-Number entry on consumer mobile device and computing apparatus
US12340369B2 (en) 2017-01-12 2025-06-24 Stripe, Inc. System and method to protect privacy of personal-identification-number entry on consumer mobile device and computing apparatus
CN110178347A (zh) * 2017-01-12 2019-08-27 环汇系统有限公司 用于保护在消费者移动设备和计算装置上的个人识别号码输入隐私的系统和方法
CN110832518A (zh) * 2017-04-19 2020-02-21 维萨国际服务协会 使用远程销售点系统进行安全交易的系统、方法和设备
CN110832518B (zh) * 2017-04-19 2024-04-19 维萨国际服务协会 使用远程销售点系统进行安全交易的系统、方法和设备
CN113015990A (zh) * 2018-09-28 2021-06-22 维萨国际服务协会 用于安全远程交易认证和结算的系统、方法和计算机程序产品
CN113015990B (zh) * 2018-09-28 2024-06-11 维萨国际服务协会 用于安全远程交易认证和结算的系统、方法和计算机程序产品
CN113947410A (zh) * 2021-10-27 2022-01-18 孩子王儿童用品股份有限公司 一种支付方法、装置及设备

Also Published As

Publication number Publication date
KR20140111033A (ko) 2014-09-17
JP2015508541A (ja) 2015-03-19
US20130185214A1 (en) 2013-07-18
EP2803023A1 (en) 2014-11-19
WO2013106159A1 (en) 2013-07-18
IN2014MN01590A (https=) 2015-05-08

Similar Documents

Publication Publication Date Title
CN104169954A (zh) 用于使用便携式计算设备的安全的离线支付交易的系统和方法
US11880815B2 (en) Device enrollment system and method
US11978051B2 (en) Authenticating remote transactions using a mobile device
CN111357025B (zh) 安全qr码服务
RU2556453C2 (ru) Система и способ обеспечения аутентификации для транзакций без наличия карты с использованием мобильного устройства
EP3207515B1 (en) Securely authenticating a person depending on context
US20130041831A1 (en) Secure and shareable payment system using trusted personal device
US20120246071A1 (en) System and method for presentment of nonconfidential transaction token identifier
US20090063312A1 (en) Method and System for Processing Secure Wireless Payment Transactions and for Providing a Virtual Terminal for Merchant Processing of Such Transactions
US11386413B2 (en) Device-based transaction authorization
CN103116842B (zh) 多因子多信道id认证和交易控制及多选项支付系统及方法
US12413580B2 (en) Token processing system and method
WO2021155150A1 (en) Enhancing 3d secure user authentication for online transactions
US11823140B2 (en) Server and method for sending a transaction receipt via a push notification
CN109075969B (zh) 访问凭证管理装置
CN113015990A (zh) 用于安全远程交易认证和结算的系统、方法和计算机程序产品
CA2993577C (en) Real-time authentication and authorization based on dynamically generated cryptographic data
WO2025244630A1 (en) Browser integration for contactless interactions
WO2014019026A1 (en) Electronic transction system and method
HK1262947A1 (en) Access credential management device

Legal Events

Date Code Title Description
C06 Publication
PB01 Publication
C10 Entry into substantive examination
SE01 Entry into force of request for substantive examination
WD01 Invention patent application deemed withdrawn after publication

Application publication date: 20141126

WD01 Invention patent application deemed withdrawn after publication