DE69801668T2 - Verfahren und system zum bezahlen mit elektronischem scheck - Google Patents
Verfahren und system zum bezahlen mit elektronischem scheckInfo
- Publication number
- DE69801668T2 DE69801668T2 DE69801668T DE69801668T DE69801668T2 DE 69801668 T2 DE69801668 T2 DE 69801668T2 DE 69801668 T DE69801668 T DE 69801668T DE 69801668 T DE69801668 T DE 69801668T DE 69801668 T2 DE69801668 T2 DE 69801668T2
- 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
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)
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 DE69801668D1 (de) | 2001-10-18 |
DE69801668T2 true 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) |
Cited By (1)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
DE102010030905A1 (de) * | 2010-07-02 | 2012-01-05 | DAFÜR GmbH | Verfahren und System zur elektronischen Abwicklung von Zahlungsvorgängen |
Families Citing this family (38)
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 |
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)
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 |
-
1997
- 1997-07-25 BE BE9700645A patent/BE1011304A3/fr not_active IP Right Cessation
-
1998
- 1998-07-23 EP EP98934705A patent/EP0998731B1/de not_active Expired - Lifetime
- 1998-07-23 ES ES98934705T patent/ES2161060T3/es not_active Expired - Lifetime
- 1998-07-23 DE DE69801668T patent/DE69801668T2/de not_active Expired - Lifetime
- 1998-07-23 AU AU84274/98A patent/AU8427498A/en not_active Abandoned
- 1998-07-23 WO PCT/BE1998/000115 patent/WO1999005654A1/fr active IP Right Grant
- 1998-07-23 AT AT98934705T patent/ATE205622T1/de not_active IP Right Cessation
-
2004
- 2004-12-30 US US11/027,420 patent/US7505944B2/en not_active Expired - Lifetime
Cited By (1)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
DE102010030905A1 (de) * | 2010-07-02 | 2012-01-05 | DAFÜR GmbH | Verfahren und System zur elektronischen Abwicklung von Zahlungsvorgängen |
Also Published As
Publication number | Publication date |
---|---|
EP0998731A1 (de) | 2000-05-10 |
US7505944B2 (en) | 2009-03-17 |
DE69801668D1 (de) | 2001-10-18 |
ES2161060T3 (es) | 2001-11-16 |
ATE205622T1 (de) | 2001-09-15 |
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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Legal Events
Date | Code | Title | Description |
---|---|---|---|
8364 | No opposition during term of opposition |