CN1322334A - Universal Electronic transaction system and method therefor - Google Patents
Universal Electronic transaction system and method thereforInfo
- Publication number
- CN1322334A CN1322334A CN98814026A CN98814026A CN1322334A CN 1322334 A CN1322334 A CN 1322334A CN 98814026 A CN98814026 A CN 98814026A CN 98814026 A CN98814026 A CN 98814026A CN 1322334 A CN1322334 A CN 1322334A
- Authority
- CN
- China
- Prior art keywords
- signal
- transaction
- code
- user
- receiver
- 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
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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
- 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
- G06Q20/30—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
- G06Q20/38—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
- G06Q20/4097—Device specific authentication in transaction processing using mutual authentication between devices and transaction partners
- G06Q20/40975—Device specific authentication in transaction processing using mutual authentication between devices and transaction partners using encryption therefor
-
- 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
- G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
-
- 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
- G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
- G06Q20/425—Confirmation, e.g. check or permission by the legal debtor of payment using two different networks, one for transaction and one for security confirmation
-
- 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
Landscapes
- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- Accounting & Taxation (AREA)
- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- Theoretical Computer Science (AREA)
- Finance (AREA)
- Computer Security & Cryptography (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Computer Networks & Wireless Communication (AREA)
- Mobile Radio Communication Systems (AREA)
Abstract
A pager for receiving informatino of a transaction and information which bears a predetermined relationship to a one-time, non-predictable code; and for conveying the information and the code to its user. The user, after checking the transaction information being correct, sends the code to a control centre directly or through the payee.
Description
Invention field
The present invention relates to electronic trading system, particularly have the electronic currency trade system of highly portable and dirigibility, allow the user to realize the transaction of any kind or any purposes.
Background of invention
Current, it is ubiquitous that electronic currency trade system is used for collecting payment as service/product suppliers such as restaurant, shops.In this traditional system, the IC credit card is considered to realize a kind of comparatively safe method of concluding the business, and however, still there is such problem in it, promptly lack the ability that the reliability information for the treatment of authorized transactions is provided, so whether the transaction that is authorized to is holder's not guarantee of wish really.
In a such legacy system, must place terminal in the service/product suppliers, for IC-card provides interface, is connected, and responsible IC-card is carried out authentication by establishing a communications link with long-range central computer.It should be noted, this security requirement that communicates to connect is not so good as to require high to communicating to connect between IC-card and central computer, because when carrying out the authentication process, central computer can generate a random number and send to IC-card by communicating to connect, IC-card is to this random number encryption, and by communicating to connect encrypted result returned to central computer.If encrypted result is correct, central computer allows transaction.If take safe communication between IC-card and central computer, this means that this random number can be added once closely, and this is unnecessary; Even need, also should finish by IC-card or in IC-card inside.
Yet it must be safe to guarantee that the Transaction Information that is sent to central computer can not intercepted and revise communicating to connect.Further, terminal also should have safety feature, thereby provides reliable Transaction Information by approach such as for example displays for the holder, particularly, and the quantity of transaction.These have all increased the cost of system, have also brought other problem
Cashier or supplier for fear of for example service/product supplier use the card of forging, the IC-card holder must very handle process of exchange near terminal with the monitoring cashier, and more gratifyingly be by the himself card to be inserted terminal and takes out card from terminal.
Under the situation that does not have such terminal, IC-card is just ineffective, if perhaps the position of terminal from the holder accept service or the product place far, may need the quite long segment distance of holder's walking, this may occur in the shop or restaurant of thousands of square feet of areas.
For parking or oiling defrayment the time, may need the holder to walk out his automobile.
At last, IC-card can not be used for the purchase under the internet environment.
Goal of the invention:
Thus, an object of the present invention is, be used for directly transmitting treating the authentic communication of authorized transactions, and make the user can authorize this transaction to the user for the user rather than for service/product supplier provides a kind of device; And provide its method.
Another object of the present invention is to provide a kind of device for the user rather than for service/product supplier, make and communicate to connect a kind of cheapness, unshielded, for example any existing all purpose communication network system, can finish transaction under the assistance as phone, internet computer etc., need not to make corresponding modify for above-mentioned safety problem; And provide its method.
The further target of the present invention is, a kind of general electronic trading system is provided, low cost, and safety is not limited to any special-purpose; And provide its method.The invention summary
According to a kind of embodiment of the present invention, be equipped with a pager and be used to receive and for example can represent transaction to be authorized on the user account, and expression be used to allow the user authorize transaction this time disposable, uncertain code paging signal.The user of pager, check that Transaction Informations such as comprising number of transaction, payee's identity is correct after, disposable, uncertain code sent or give the payee, the payee sends this code to bank so that this transaction is authorized.
According to another embodiment of the present invention, be equipped with a pager that has the IC-card receiving port, be used to receive outside traditional IC credit card.Pager is used to receive the paging signal that authorized transactions information and expression one random number are treated in expression.IC-card is used for according to specifying cryptographic algorithm to convert random number to disposable, a uncertain code, so that the user is used for authorizing transaction this time.
The accompanying drawing summary
Fig. 1 is the block scheme according to the current paging receiver of first kind of embodiment.
Fig. 2 is the process flow diagram of a method of current licensing process.
DESCRIPTION OF THE PREFERRED
With reference to figure 1, show the block scheme of the paging receiver 1 of first kind of embodiment according to the present invention, comprising:
1) receiver circuit 23, are used for receiving paging signal, comprise the signal (hereinafter referred to as the E signal) of expression electronic money trading information;
2) address comparator 25, and whether the signal that is used to determine to receive might comprise the receiver address of a plurality of corresponding unlike signal types for being assigned to paging receiver 1;
3) CPU21 after address comparator 25 determines that paging signal is to be assigned to receiver 1 really, is used for reception information;
4) information-storing device 28, are used to deposit the received breath that signal is taken a message that is assigned to paging receiver 1;
5) display 34, are used to show the information that receives;
6) the cryptographic algorithm storer 27, comprise the cryptographic algorithm that is used to be converted to small part E signal, and details wherein will described after a while;
7) loudspeaker 33 and light emitting diode 31 are used for respectively providing sound and luminous signal to the user, have received the paging signal that is assigned to paging receiver 1 with indication.
In practical operation, paging receiver 1 can be received from the how paging signal that sends based on a base station of the broadcast system of same pager.Such paging signal comprises 4 territories, is called: 1) address field comprises the address of specifying the paging receiver that receives this signal; 2) type field is used to represent whether this signal is the E signal; 3) information field is used to hold the information that will be shown to the user; 4) signal digital sign, be used for showing to the paging receiver of appointment, to receive by base station broadcast signal more than once be same signal in order to guarantee designated paging receiver, like this, the paging receiver of appointment can be ignored the same signal that successfully receives, and just can report the user necessarily.Receiving circuit 23, after amplifying input depositor signal, signal is sent into address comparator 25, the relatively address field of this signal and wherein one or more addresses of storage, if have consistent, address comparator can be presented remaining part of signal to CPU21, otherwise the remainder of signal can be left in the basket.
According to first kind of embodiment, current paging receiver is used for transaction is authorized.Referring to Fig. 2, show the process flow diagram of a method that is used for licensing process.As shown in Figure 2, when the licensing process generation, internet computer receives user's account number.Be more preferably, this internet computer wherein has card reader, thereby the magnetic card by for example reading the user or IC-card etc. obtain user account number, otherwise user's account number must be imported with hand by keyboard.Then, internet computer with account number together with Transaction Information by communicating to connect, at this is the internet, send to central computer, Transaction Information may be imported computing machine by keyboard by payee/payer, wherein may comprise for example payee's identity, number of transaction, payment purposes, for example be to be a specific products or service or similar deposit of paying or full payment, the character of related products and service etc.The response above-mentioned steps, central computer generates a random number, searches the user identity to the user account that should receive number in its storer, then the user identity that finds, the Transaction Information of receiving is offered base station above-mentioned together with random number.
The address of paging receiver is searched according to the user identity of being received in the base station in its addressed memory, generate paging E signal by above-mentioned form, places Transaction Information and random number in the information field wherein, and broadcasts this signal.
Paging receiver 1 after receiving signal, is changed random number wherein with the specific algorithm that is stored in its cryptographic algorithm storer 27 of this user, its result is used as disposable, uncertain code and is used for authorizing transaction this time.Then, report the user, and show Transaction Information and this code to the user.The user is after seeing that Transaction Information is correct, and the keyboard of the code input internet computer that will see on display 34 is sent to central computer again.
The response above-mentioned steps, central computer is searched the cryptographic algorithm corresponding to this user identity in its cryptographic algorithm storer, and random number that its had before generated with the cryptographic algorithm conversion of finding, and the result compared with disposable, the uncertain code that receives, if the comparative result unanimity thinks that transaction is authorized to.
Should be noted that the ciphering process in paging receiver 1 and in central computer can be omitted, with the simplification licensing process, and simultaneously, it can also provide receptible safe coefficient.This is possible, because, although paging signal can be received by anyone in theory, in fact, unless know paging receiver 1 the address other people really can not receive because current, at synchronization thousands of receivable similarity signals may appear.
On the other hand, be tightening security property, can on paging receiver, comprise a keypad and be used for CPU21 and receive password, this password not, CPU21 will not carry out ciphering process.Perhaps, also can gratifyingly be, in case input password, carry out ciphering process on the random number of the E signal that CPU can receive in one section preset time thereafter, perhaps on the random number of any E signal, carry out ciphering process, surpass a predetermined value up to the transaction sum that is authorized to, the user needn't input password when each process of exchange takes place like this.
Further, the E signal can be modified to 2 independent signals: 1) E1 signal, be similar to above-mentioned E signal, and comprise Transaction Information except it but wherein do not comprise random number; 2) random number signal, the random number of placing the plain old telephone number that disguised oneself as.And address comparator 25 can comprise a special address, designatedly is used to receive the random number signal.In the random number signal, this is an E signal part not have type field to indicate CPU21, perhaps type field wherein represents that it is not the E signal, and when in address comparer 25 detects the Signal Message Address territory of reception, comprising address with the particular address coupling, promptly, the random number signal will be with specific mode interrupts of CPU, thereby informs this situation of CPU21.
It should be noted that specific address is different to different current paging receivers here.
According to another embodiment of the present invention, be equipped with a pager that wherein has the IC-card receiving port, be used to receive outside traditional IC credit card.Be similar to first kind of embodiment, pager is used to equally receive and is included in a paging E signal and a random number for the treatment of authorized transactions information on user's bank account etc., but in this case, CPU21 no longer carries out ciphering process in this random number in the pager, but it is offered exterior I C card in receiving port.This IC-card after receiving random number, is changed according to the cryptographic algorithm in the card, transformation result is used as above-mentioned disposable, uncertain code, be transmitted to CPU21, it can make this code together with the Transaction Information that receives, and is presented at together on the display 34.
It should be noted, because the Transaction Information of receiving on the pager of user based on him is carried out once transaction, so, no longer need to install above-mentioned security terminal for service/product supplier.Certainly, existing general purpose communications network system can be used to transmit Transaction Information and be used for disposable, uncertain code to the central computer authorized transactions, and central computer can be by public visit.
If only transmit payer and payee's account number and desired number of transaction, use the touch audio button on the telephone set just enough so.
If require more detailed Transaction Information, for example Jiao Yi purpose as, buy a benz, the #380s type, sequence number #1234 or even personal loan etc., then Jiao Yi information may be transmitted to the operator of bank, is responsible for by the data input of keyboard with Transaction Information.In this case, leave nothing to be desired to be the payer have oneself a pager respectively with the payee authorizes different disposable, the uncertain code of transaction this time respectively to receive Transaction Information and to be used for them, like this in the data input just in case can avoid either party loss when mistake occurring.
It should be noted that above embodiment just provides by way of example, and be it is evident that, can when not departing from inventive concept, make various variations and modification those of ordinary skill in the art.
For example, Transaction Information can be encrypted by central computer before sending pager to.Thereby this can eliminate pager when receiving the E signal, disturbed pager to be contained identical random number by another by extremely strong undesired signal but the false E signal of Transaction Information mistake deceive may.
Claims (22)
1. the transaction system of a safety comprises:
Do not contain the receiver of transfer capability, comprising:
Be used to receive the device of the broadcast singal that is assigned to described receiver, comprise first signal, represent a uncertain code with the relevant special use of attempting to conclude the business, and secondary signal, expression is about described information of attempting to conclude the business;
With described information and described code device to user report;
Wherein comprise the described user's of described code response, but be sent to control module to the data communication media of small part by public visit, to instruct the described transaction of attempting;
Described control module.
2. as the system in the claim 1, receive described code but wherein there are operating personnel to finish, and described code is sent to described control module by a message input device from the data communication media of another people by described public visit.
3. as the system in the claim 1, wherein said secondary signal is an encrypted form, and described receiver will be deciphered again to described user report it earlier.
4. as the system in the claim 1, wherein further comprise the device of first signal being changed by the predetermined specific cryptographic algorithm of described user, obtain described code from described first signal thus.
5. as the system in the claim 1, wherein said receiver is a paging receiver.
6. as the system in the claim 5, wherein said first signal is represented the call signal of a telephone number by disguising oneself as.
7. as the system in the claim 1, but the data communication media of wherein said public visit is a telephone network, and described code is imported by the touch audio button on the telephone set.
8. as the system in the claim 1, but the data communication media of wherein said public visit is the internet, and described code is imported by internet computer.
9. as the system in the claim 1, wherein said receiver comprises further, receives the device of external module, is used for described first signal being changed, thereby being obtained described code by the predetermined specific cryptographic algorithm of described user.
10. as the system in the claim 1, wherein said report user's device is a display.
11. as the system in the claim 1, wherein said transaction is the electronic money trading that carries out on account of described user.
12. as the system in the claim 1, if wherein said control module receives described code, can determine described attempt the transaction admitted by described user.
13.,, can determine that described to attempt to conclude the business be to be carried out by described user if wherein said control module receives described code as the system in the claim 1.
14. the transaction system of a safety comprises:
Be used to generate that representative is disposable, the device of first signal of uncertain code;
About the secondary signal of the information of attempting to conclude the business and the device of described first signal, described receiver does not have transmittability to permission or user's the receiver broadcasting representative of having the right to carry out the transaction of attempting;
But receive the device of the response that comprises described disposable, unpredictable code to the data communication media of small part by public visit from described user, wherein;
Use described user to respond and instruct the described device of attempting to conclude the business.
15. as the system in the claim 14, wherein further comprising described receiver is paging receiver.
16. as the system in the claim 14, wherein said secondary signal is that encrypted form and described receiver will be deciphered again to described user report it earlier.
17. as the system in the claim 14, wherein said receiver is changed first signal by the predetermined specific cryptographic algorithm of described user, obtains described disposable, unpredictable code from described first signal thus.
18. one kind is used for safety and carries out transaction method, comprises:
Generate first signal represent disposable, a uncertain code by control module;
First signal and the transaction of attempting are linked together;
Transmit secondary signal and described first signal of representative about the described Transaction Information of attempting to permission or the user that has the right to carry out the described receiver of attempting to conclude the business, described receiver does not have transmittability;
By described receiver, described information and described code are showed described user;
Wherein said code is used for described user and responds, to finish transaction.
19. the method described in claim 18, but wherein comprise the step that described code is sent back described control module to small part by the data communication media of public visit further; If receive described code, attempt to conclude the business by described user's execution by the control module decision is described.
20. system, be used for being used for the connection that the information that will require to conclude the business or similar content send control module to control module existing providing by service/goods supplier, and between the buyer of the transaction of described requirement and described service/goods supplier, exist in the environment of communication safety to conclude the business, system comprises:
Described buyer's portable receiver, it does not have transmittability, comprising:
Be used to receive the device of the broadcast singal that is assigned to described receiver, signal comprises represents first signal disposable, uncertain code, be associated with and be exclusively used in the transaction of described requirement, and the Transaction Information of the relevant described requirement of representative secondary signal; Be used for reporting device about the described information of the transaction of described requirement and described code to described buyer;
But the user of wherein containing described code responds to the data communication media of small part by a public visit and is sent to control module, is used to confirm the transaction of described requirement;
And described control module.
21. as the system in the claim 20, the described information of wherein said transaction about described requirement comprises the described information of the transaction that requirement is carried out.
22. be used for the system that safety is concluded the business, a receiver that does not have transmittability comprises:
Be used to receive the method for the broadcast singal that is assigned to described receiver, signal comprises represents first signal disposable, uncertain code, be relevant to and be exclusively used in the transaction of described requirement, and the secondary signal of the information of the transaction of the relevant described requirement of representative;
Be used for device to described information of user report and described code;
Wherein said code is used for described user and finishes described transaction.
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| GB9709748A GB2328310B (en) | 1996-05-15 | 1997-05-14 | Electronic transaction apparatus and method therefor |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN1322334A true CN1322334A (en) | 2001-11-14 |
Family
ID=10812275
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN98814026A Pending CN1322334A (en) | 1997-05-14 | 1998-05-12 | Universal Electronic transaction system and method therefor |
Country Status (4)
| Country | Link |
|---|---|
| EP (1) | EP1147497A2 (en) |
| CN (1) | CN1322334A (en) |
| HK (1) | HK1041962A1 (en) |
| WO (1) | WO1998054943A2 (en) |
Families Citing this family (11)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| FR2771875B1 (en) * | 1997-11-04 | 2000-04-14 | Gilles Jean Antoine Kremer | METHOD FOR TRANSMITTING INFORMATION AND COMPUTER SERVER IMPLEMENTING IT |
| EP1067492A3 (en) * | 1999-06-30 | 2001-01-17 | Lucent Technologies Inc. | Transaction notification system and method |
| AU2001253083A1 (en) * | 2000-03-29 | 2001-10-08 | Cma Business Credit Services | Method and apparatus for admistering one or more value bearing instruments |
| EP1253564A3 (en) * | 2000-04-19 | 2002-12-11 | Magicaxess | Method and apparatus for electronic payment |
| FR2804264B1 (en) * | 2000-04-19 | 2005-03-11 | Magicaxess | METHOD AND DEVICE FOR ELECTRONIC PAYMENT |
| EP1182625A1 (en) * | 2000-08-25 | 2002-02-27 | TELEFONAKTIEBOLAGET LM ERICSSON (publ) | Introduction of an electronic payment transaction |
| AU2002226599A1 (en) * | 2000-11-03 | 2002-05-15 | Tomas Mulet Valles | A method to carry out economic transactions through a telecommunications network |
| FR2816736B1 (en) * | 2000-11-10 | 2003-10-24 | Smart Design | METHOD AND INSTALLATION FOR SECURING THE USE OF MEDIA ASSOCIATED WITH IDENTIFIERS AND ELECTRONIC DEVICES |
| JP3902453B2 (en) * | 2001-11-19 | 2007-04-04 | 富士通株式会社 | Electronic money processing method, program, and recording medium |
| JP4874251B2 (en) * | 2004-08-18 | 2012-02-15 | マスターカード インターナシヨナル インコーポレーテツド | Method and apparatus for authenticating a transaction using a dynamic authentication code |
| AU2012200393B2 (en) * | 2004-08-18 | 2015-04-02 | Mastercard International Incorporated | Method and system for authorizing a transaction using a dynamic authorization code |
Family Cites Families (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US5285496A (en) * | 1992-12-14 | 1994-02-08 | Firstperson, Inc. | Methods and apparatus for providing a secure paging system |
| US5483595A (en) * | 1993-09-20 | 1996-01-09 | Seiko Communications Holding N.V. | Paging device including password accessed stored cryptographic keys |
| US5521966A (en) * | 1993-12-14 | 1996-05-28 | At&T Corp. | Method and system for mediating transactions that use portable smart cards |
| US5708422A (en) * | 1995-05-31 | 1998-01-13 | At&T | Transaction authorization and alert system |
-
1998
- 1998-05-12 EP EP98928306A patent/EP1147497A2/en not_active Withdrawn
- 1998-05-12 WO PCT/EP1998/002995 patent/WO1998054943A2/en active IP Right Grant
- 1998-05-12 CN CN98814026A patent/CN1322334A/en active Pending
-
2002
- 2002-05-09 HK HK02103518.5A patent/HK1041962A1/en unknown
Also Published As
| Publication number | Publication date |
|---|---|
| WO1998054943A8 (en) | 1999-11-18 |
| WO1998054943A2 (en) | 1998-12-10 |
| EP1147497A2 (en) | 2001-10-24 |
| HK1041962A1 (en) | 2002-07-26 |
| WO1998054943A3 (en) | 1999-07-29 |
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