CN1672180A - 用于信用和借记卡交易的系统与方法 - Google Patents

用于信用和借记卡交易的系统与方法 Download PDF

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Publication number
CN1672180A
CN1672180A CN03807792.2A CN03807792A CN1672180A CN 1672180 A CN1672180 A CN 1672180A CN 03807792 A CN03807792 A CN 03807792A CN 1672180 A CN1672180 A CN 1672180A
Authority
CN
China
Prior art keywords
code
main frame
client
pin
electronic installation
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
CN03807792.2A
Other languages
English (en)
Chinese (zh)
Inventor
温思顿·唐纳德·基齐
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.)
Swivel Secure Ltd
Original Assignee
Swivel Technologies Ltd
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
Priority claimed from GB0207705A external-priority patent/GB2387253B/en
Application filed by Swivel Technologies Ltd filed Critical Swivel Technologies Ltd
Publication of CN1672180A publication Critical patent/CN1672180A/zh
Pending legal-status Critical Current

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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
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G06Q20/023—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] the neutral party being a clearing house
    • 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
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • 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
    • G06Q20/388—Payment protocols; Details thereof using mutual authentication without cards, e.g. challenge-response
    • 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
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • 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
    • 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
CN03807792.2A 2002-04-03 2003-03-14 用于信用和借记卡交易的系统与方法 Pending CN1672180A (zh)

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
GB0207705.5 2002-04-03
GB0207705A GB2387253B (en) 2002-04-03 2002-04-03 System and method for secure credit and debit card transactions
US10/131,489 2002-04-25
US10/131,489 US20030191945A1 (en) 2002-04-03 2002-04-25 System and method for secure credit and debit card transactions

Publications (1)

Publication Number Publication Date
CN1672180A true CN1672180A (zh) 2005-09-21

Family

ID=28676501

Family Applications (1)

Application Number Title Priority Date Filing Date
CN03807792.2A Pending CN1672180A (zh) 2002-04-03 2003-03-14 用于信用和借记卡交易的系统与方法

Country Status (11)

Country Link
EP (1) EP1490846A2 (fr)
JP (1) JP2005521961A (fr)
CN (1) CN1672180A (fr)
AU (1) AU2003219276A1 (fr)
BR (1) BR0308965A (fr)
CA (1) CA2505920A1 (fr)
EA (1) EA006395B1 (fr)
MX (1) MXPA04009725A (fr)
NZ (1) NZ535428A (fr)
TW (1) TWI229279B (fr)
WO (1) WO2003083793A2 (fr)

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WO2008037116A1 (fr) * 2006-09-27 2008-04-03 Kamfu Wong Procédé et système de transfert chiffré de code de transfert ajouté par une opération arithmétique définie par l'utilisateur correspondant à un mot de passe bancaire
CN102096968A (zh) * 2009-12-09 2011-06-15 中国银联股份有限公司 一种代授权业务中pin正确性验证的方法
CN102576435A (zh) * 2009-11-09 2012-07-11 日本电气英富醍株式会社 掌上终端和用于掌上终端的支付方法
CN107408246A (zh) * 2014-12-19 2017-11-28 迪堡多富公司 预设置的atm交易
CN116092623A (zh) * 2023-04-12 2023-05-09 四川执象网络有限公司 一种基于基层医学质控的健康数据管理方法

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CN104200145B (zh) 2007-09-24 2020-10-27 苹果公司 电子设备中的嵌入式验证系统
JP2009130882A (ja) * 2007-11-28 2009-06-11 Oki Electric Ind Co Ltd チェックバリュー確認方法及び装置
US8799069B2 (en) * 2007-12-21 2014-08-05 Yahoo! Inc. Mobile click fraud prevention
US8600120B2 (en) 2008-01-03 2013-12-03 Apple Inc. Personal computing device control using face detection and recognition
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EP2355028B1 (fr) * 2009-12-30 2018-09-05 SecurEnvoy Ltd Appareil d'authentification
CA2704864A1 (fr) 2010-06-07 2010-08-16 S. Bhinder Mundip Methode et systeme permettant de controler l'acces a un compte a valeur monetaire
US9002322B2 (en) 2011-09-29 2015-04-07 Apple Inc. Authentication with secondary approver
US8769624B2 (en) 2011-09-29 2014-07-01 Apple Inc. Access control utilizing indirect authentication
EP2981939B1 (fr) 2013-04-05 2020-06-17 Visa International Service Association Systèmes, procédés et dispositifs de transaction
US9898642B2 (en) 2013-09-09 2018-02-20 Apple Inc. Device, method, and graphical user interface for manipulating user interfaces based on fingerprint sensor inputs
AU2013404001B2 (en) 2013-10-30 2017-11-30 Apple Inc. Displaying relevant user interface objects
TWI494880B (zh) * 2013-11-14 2015-08-01 Nat Univ Tsing Hua 用以防範塑膠貨幣盜用之方法及塑膠貨幣
CN204650596U (zh) * 2014-05-29 2015-09-16 苹果公司 电子设备
US9483763B2 (en) 2014-05-29 2016-11-01 Apple Inc. User interface for payments
US9967401B2 (en) 2014-05-30 2018-05-08 Apple Inc. User interface for phone call routing among devices
US9336523B2 (en) 2014-07-28 2016-05-10 International Business Machines Corporation Managing a secure transaction
US10339293B2 (en) 2014-08-15 2019-07-02 Apple Inc. Authenticated device used to unlock another device
US10066959B2 (en) 2014-09-02 2018-09-04 Apple Inc. User interactions for a mapping application
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FR3028639B1 (fr) * 2014-11-17 2016-12-23 Oberthur Technologies Procede de securisation d'un jeton de paiement
US20160224973A1 (en) 2015-02-01 2016-08-04 Apple Inc. User interface for payments
US9574896B2 (en) 2015-02-13 2017-02-21 Apple Inc. Navigation user interface
US10254911B2 (en) 2015-03-08 2019-04-09 Apple Inc. Device configuration user interface
US9940637B2 (en) 2015-06-05 2018-04-10 Apple Inc. User interface for loyalty accounts and private label accounts
US20160358133A1 (en) 2015-06-05 2016-12-08 Apple Inc. User interface for loyalty accounts and private label accounts for a wearable device
GB201522762D0 (en) * 2015-12-23 2016-02-03 Sdc As Data security
DK179186B1 (en) 2016-05-19 2018-01-15 Apple Inc REMOTE AUTHORIZATION TO CONTINUE WITH AN ACTION
US10776780B2 (en) * 2016-05-27 2020-09-15 Visa International Service Association Automated reissuance system for prepaid devices
US10621581B2 (en) 2016-06-11 2020-04-14 Apple Inc. User interface for transactions
DK201670622A1 (en) 2016-06-12 2018-02-12 Apple Inc User interfaces for transactions
US20180068313A1 (en) 2016-09-06 2018-03-08 Apple Inc. User interfaces for stored-value accounts
US10860199B2 (en) 2016-09-23 2020-12-08 Apple Inc. Dynamically adjusting touch hysteresis based on contextual data
US10496808B2 (en) 2016-10-25 2019-12-03 Apple Inc. User interface for managing access to credentials for use in an operation
KR102185854B1 (ko) 2017-09-09 2020-12-02 애플 인크. 생체측정 인증의 구현
JP6736686B1 (ja) 2017-09-09 2020-08-05 アップル インコーポレイテッドＡｐｐｌｅ Ｉｎｃ． 生体認証の実施
US11170085B2 (en) 2018-06-03 2021-11-09 Apple Inc. Implementation of biometric authentication
US10860096B2 (en) 2018-09-28 2020-12-08 Apple Inc. Device control using gaze information
US11100349B2 (en) 2018-09-28 2021-08-24 Apple Inc. Audio assisted enrollment
US11328352B2 (en) 2019-03-24 2022-05-10 Apple Inc. User interfaces for managing an account
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
US11169830B2 (en) 2019-09-29 2021-11-09 Apple Inc. Account management user interfaces
KR102451495B1 (ko) 2019-09-29 2022-10-06 애플 인크. 계정 관리 사용자 인터페이스들
DK180985B1 (da) 2020-04-10 2022-09-02 Apple Inc Brugergrænseflader for muliggørelse af en aktivitet
US11816194B2 (en) 2020-06-21 2023-11-14 Apple Inc. User interfaces for managing secure operations
JP7429819B1 (ja) 2023-04-05 2024-02-08 株式会社セブン銀行 取引システム、取引装置、取引方法、およびプログラム

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Cited By (9)

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Publication number Priority date Publication date Assignee Title
WO2008037116A1 (fr) * 2006-09-27 2008-04-03 Kamfu Wong Procédé et système de transfert chiffré de code de transfert ajouté par une opération arithmétique définie par l'utilisateur correspondant à un mot de passe bancaire
CN101523449B (zh) * 2006-09-27 2011-04-13 黄金富 传送码加自定算式等于银行密码的加密传送方法和系统
CN102576435A (zh) * 2009-11-09 2012-07-11 日本电气英富醍株式会社 掌上终端和用于掌上终端的支付方法
CN102576435B (zh) * 2009-11-09 2015-05-13 Nec平台株式会社 掌上终端和用于掌上终端的支付方法
US10491395B2 (en) 2009-11-09 2019-11-26 Nec Platforms, Ltd. Handy terminal and payment method to be used in same
CN102096968A (zh) * 2009-12-09 2011-06-15 中国银联股份有限公司 一种代授权业务中pin正确性验证的方法
CN107408246A (zh) * 2014-12-19 2017-11-28 迪堡多富公司 预设置的atm交易
CN116092623A (zh) * 2023-04-12 2023-05-09 四川执象网络有限公司 一种基于基层医学质控的健康数据管理方法
CN116092623B (zh) * 2023-04-12 2023-07-28 四川执象网络有限公司 一种基于基层医学质控的健康数据管理方法

Also Published As

Publication number Publication date
EP1490846A2 (fr) 2004-12-29
WO2003083793A2 (fr) 2003-10-09
BR0308965A (pt) 2005-02-01
EA006395B1 (ru) 2005-12-29
CA2505920A1 (fr) 2003-10-09
AU2003219276A1 (en) 2003-10-13
TWI229279B (en) 2005-03-11
NZ535428A (en) 2006-08-31
WO2003083793A3 (fr) 2003-12-31
EA200401187A1 (ru) 2005-04-28
JP2005521961A (ja) 2005-07-21
MXPA04009725A (es) 2005-07-14
TW200306483A (en) 2003-11-16

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