DE69801668D1 - Verfahren und system zum bezahlen mit elektronischem scheck - Google Patents

Verfahren und system zum bezahlen mit elektronischem scheck

Info

Publication number
DE69801668D1
DE69801668D1 DE69801668T DE69801668T DE69801668D1 DE 69801668 D1 DE69801668 D1 DE 69801668D1 DE 69801668 T DE69801668 T DE 69801668T DE 69801668 T DE69801668 T DE 69801668T DE 69801668 D1 DE69801668 D1 DE 69801668D1
Authority
DE
Germany
Prior art keywords
random
electronic check
authentication
payment
guesstimation
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.)
Expired - Lifetime
Application number
DE69801668T
Other languages
English (en)
Other versions
DE69801668T2 (de
Inventor
Yves Moulart
Joan Daemen
Michel Dawirs
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.)
Proton World International NV
Original Assignee
Proton World International NV
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 Proton World International NV filed Critical Proton World International NV
Publication of DE69801668D1 publication Critical patent/DE69801668D1/de
Application granted granted Critical
Publication of DE69801668T2 publication Critical patent/DE69801668T2/de
Anticipated expiration legal-status Critical
Expired - Lifetime legal-status Critical Current

Links

Classifications

    • 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
    • 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
    • G06Q20/04—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
    • G06Q20/34—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
    • G06Q20/30—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
    • G06Q20/3674—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 involving authentication
    • 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
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3821—Electronic credentials
    • 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
    • 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
    • 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
    • G06Q20/4093—Monitoring of device authentication
    • 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

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)
  • Computer Networks & Wireless Communication (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
DE69801668T 1997-07-25 1998-07-23 Verfahren und system zum bezahlen mit elektronischem scheck Expired - Lifetime DE69801668T2 (de)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
BE9700645A BE1011304A3 (fr) 1997-07-25 1997-07-25 Procede et systeme de paiement par cheque electronique.
PCT/BE1998/000115 WO1999005654A1 (fr) 1997-07-25 1998-07-23 Procede et systeme de paiement par cheque electronique

Publications (2)

Publication Number Publication Date
DE69801668D1 true DE69801668D1 (de) 2001-10-18
DE69801668T2 DE69801668T2 (de) 2002-07-04

Family

ID=3890665

Family Applications (1)

Application Number Title Priority Date Filing Date
DE69801668T Expired - Lifetime DE69801668T2 (de) 1997-07-25 1998-07-23 Verfahren und system zum bezahlen mit elektronischem scheck

Country Status (8)

Country Link
US (1) US7505944B2 (de)
EP (1) EP0998731B1 (de)
AT (1) ATE205622T1 (de)
AU (1) AU8427498A (de)
BE (1) BE1011304A3 (de)
DE (1) DE69801668T2 (de)
ES (1) ES2161060T3 (de)
WO (1) WO1999005654A1 (de)

Families Citing this family (39)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP1570442A2 (de) * 2002-11-27 2005-09-07 RSA Security Inc. Identitäts-authentikationssystem und methode
US7761374B2 (en) * 2003-08-18 2010-07-20 Visa International Service Association Method and system for generating a dynamic verification value
US7740168B2 (en) 2003-08-18 2010-06-22 Visa U.S.A. Inc. Method and system for generating a dynamic verification value
US7818264B2 (en) 2006-06-19 2010-10-19 Visa U.S.A. Inc. Track data encryption
DE102010030905A1 (de) * 2010-07-02 2012-01-05 DAFÜR GmbH Verfahren und System zur elektronischen Abwicklung von Zahlungsvorgängen
RU2011154492A (ru) * 2011-12-30 2013-07-27 Май Партнерс Анд Глобал Старс Инвестментс (Мп&Гси) Лтд Система расчетов электронными чеками и способы выпуска, перевода оплаты и верификации электронных чеков
CN102609842B (zh) * 2012-01-19 2016-02-24 上海海基业高科技有限公司 一种基于硬件签名设备的支付密码装置及其应用方法
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
US10970688B2 (en) 2012-03-07 2021-04-06 Early Warning Services, 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
US10318936B2 (en) 2012-03-07 2019-06-11 Early Warning Services, Llc System and method for transferring funds
US9626664B2 (en) 2012-03-07 2017-04-18 Clearxchange, Llc System and method for transferring funds
EP2891127A4 (de) * 2012-08-30 2016-05-04 Strategic Engineering Group Llc Videoprüfsystem und -verfahren
WO2016076807A1 (en) 2014-11-12 2016-05-19 Kkb-Kredi Kayit Burosu Anonim Sirketi Management system for payment by electronic cheque and a method thereof
US10832246B2 (en) 2015-03-23 2020-11-10 Early Warning Services, Llc Payment real-time funds availability
US10769606B2 (en) 2015-03-23 2020-09-08 Early Warning Services, Llc Payment real-time funds availability
US10839359B2 (en) 2015-03-23 2020-11-17 Early Warning Services, Llc Payment real-time funds availability
US10748127B2 (en) 2015-03-23 2020-08-18 Early Warning Services, Llc Payment real-time funds availability
US10878387B2 (en) 2015-03-23 2020-12-29 Early Warning Services, Llc Real-time determination of funds availability for checks and ACH items
US10963856B2 (en) 2015-07-21 2021-03-30 Early Warning Services, Llc Secure real-time transactions
US11037121B2 (en) 2015-07-21 2021-06-15 Early Warning Services, Llc Secure real-time transactions
US11157884B2 (en) 2015-07-21 2021-10-26 Early Warning Services, Llc Secure transactions with offline device
US11037122B2 (en) 2015-07-21 2021-06-15 Early Warning Services, Llc Secure real-time transactions
US10970695B2 (en) 2015-07-21 2021-04-06 Early Warning Services, Llc Secure real-time transactions
US10438175B2 (en) 2015-07-21 2019-10-08 Early Warning Services, Llc Secure real-time payment transactions
US11151523B2 (en) 2015-07-21 2021-10-19 Early Warning Services, Llc Secure transactions with offline device
US11386410B2 (en) 2015-07-21 2022-07-12 Early Warning Services, Llc Secure transactions with offline device
US11062290B2 (en) 2015-07-21 2021-07-13 Early Warning Services, Llc Secure real-time transactions
US11151522B2 (en) 2015-07-21 2021-10-19 Early Warning Services, Llc Secure transactions with offline device
US10956888B2 (en) 2015-07-21 2021-03-23 Early Warning Services, Llc Secure real-time transactions
CN105678534A (zh) * 2016-03-24 2016-06-15 吴豪 一种基于掌静脉识别认证的银联交易系统及装置
US11151566B2 (en) 2016-09-19 2021-10-19 Early Warning Services, Llc Authentication and fraud prevention in provisioning a mobile wallet
US11930439B2 (en) 2019-01-09 2024-03-12 Margo Networks Private Limited Network control and optimization (NCO) system and method
US10931778B2 (en) 2019-01-09 2021-02-23 Margo Networks Pvt. Ltd. Content delivery network system and method
CN112015493B (zh) * 2020-08-27 2023-08-25 中国平安财产保险股份有限公司 外部系统接口对接方法、装置及存储介质
CN112260987B (zh) * 2020-09-10 2021-12-21 西安电子科技大学 一种数字内容保护系统中双向安全认证方法及系统
US11695855B2 (en) 2021-05-17 2023-07-04 Margo Networks Pvt. Ltd. User generated pluggable content delivery network (CDN) system and method
WO2023224680A1 (en) 2022-05-18 2023-11-23 Margo Networks Pvt. Ltd. Peer to peer (p2p) encrypted data transfer/offload system and method

Family Cites Families (10)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
FR2634920A1 (fr) * 1988-07-26 1990-02-02 Widmer Michel Chequier electronique portable de securite
GB9008362D0 (en) * 1990-04-12 1990-06-13 Hackremco No 574 Limited Banking computer system
EP0722596A4 (de) * 1991-11-12 1997-03-05 Security Domain Pty Ltd Verfahren und system zur gesicherten, dezentralisierten personifizierung von chipkarten
FR2696567B1 (fr) * 1992-10-02 1994-11-25 Gemplus Card Int Procédé de cryptographie de messages transmis par un support d'informations à un systeme de traitement.
US5794207A (en) * 1996-09-04 1998-08-11 Walker Asset Management Limited Partnership Method and apparatus for a cryptographically assisted commercial network system designed to facilitate buyer-driven conditional purchase offers
US5434919A (en) * 1994-01-11 1995-07-18 Chaum; David Compact endorsement signature systems
US5577121A (en) * 1994-06-09 1996-11-19 Electronic Payment Services, Inc. Transaction system for integrated circuit cards
NL1001376C2 (nl) * 1995-05-11 1996-11-12 Nederland Ptt Werkwijze voor het uitvoeren van een elektronische betalingstransactie met een variabel aantal betalingseenheden, alsmede betaalmiddel en stelsel voor toepassing van de werkwijze.
US5809144A (en) * 1995-08-24 1998-09-15 Carnegie Mellon University Method and apparatus for purchasing and delivering digital goods over a network
US5974178A (en) * 1996-10-07 1999-10-26 Advantest Corporation Wavesource image visualization method using a partial division fast fourier transform

Also Published As

Publication number Publication date
EP0998731A1 (de) 2000-05-10
US7505944B2 (en) 2009-03-17
ES2161060T3 (es) 2001-11-16
ATE205622T1 (de) 2001-09-15
DE69801668T2 (de) 2002-07-04
EP0998731B1 (de) 2001-09-12
AU8427498A (en) 1999-02-16
BE1011304A3 (fr) 1999-07-06
WO1999005654A1 (fr) 1999-02-04
US20060287955A1 (en) 2006-12-21

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