EP1299838A1 - Verfahren und system zur verwaltung von mikrobezahl-transaktionen, ensprechendes gerät für geschäfte - Google Patents

Verfahren und system zur verwaltung von mikrobezahl-transaktionen, ensprechendes gerät für geschäfte

Info

Publication number
EP1299838A1
EP1299838A1 EP01951781A EP01951781A EP1299838A1 EP 1299838 A1 EP1299838 A1 EP 1299838A1 EP 01951781 A EP01951781 A EP 01951781A EP 01951781 A EP01951781 A EP 01951781A EP 1299838 A1 EP1299838 A1 EP 1299838A1
Authority
EP
European Patent Office
Prior art keywords
tokens
merchant
wallet
customer
client
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.)
Ceased
Application number
EP01951781A
Other languages
English (en)
French (fr)
Inventor
Alain Durand
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.)
InterDigital CE Patent Holdings SAS
Original Assignee
Thomson Licensing SAS
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 Thomson Licensing SAS filed Critical Thomson Licensing SAS
Publication of EP1299838A1 publication Critical patent/EP1299838A1/de
Ceased legal-status Critical Current

Links

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
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/105—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems involving programming of a portable memory device, e.g. IC cards, "electronic purses"
    • 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
    • G06Q20/22—Payment schemes or models
    • G06Q20/29—Payment schemes or models characterised by micropayments
    • 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
    • G06Q20/357—Cards having a plurality of specified features
    • G06Q20/3572—Multiple accounts on card
    • 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
    • G06Q20/363—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user
    • 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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • 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
    • G07F7/0866—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 by active credit-cards adapted therefor

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Marketing (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
EP01951781A 2000-07-07 2001-07-09 Verfahren und system zur verwaltung von mikrobezahl-transaktionen, ensprechendes gerät für geschäfte Ceased EP1299838A1 (de)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
FR0008867 2000-07-07
FR0008867A FR2811451B1 (fr) 2000-07-07 2000-07-07 Systeme et procede de gestion de transactions de micropaiement, terminal de client et equipement de marchand correspondants
PCT/FR2001/002203 WO2002005152A1 (fr) 2000-07-07 2001-07-09 Systeme et procede de gestion de transactions de micropaiement, terminal de client et equipement de marchand correspondants

Publications (1)

Publication Number Publication Date
EP1299838A1 true EP1299838A1 (de) 2003-04-09

Family

ID=8852225

Family Applications (1)

Application Number Title Priority Date Filing Date
EP01951781A Ceased EP1299838A1 (de) 2000-07-07 2001-07-09 Verfahren und system zur verwaltung von mikrobezahl-transaktionen, ensprechendes gerät für geschäfte

Country Status (7)

Country Link
US (1) US20040034597A1 (de)
EP (1) EP1299838A1 (de)
JP (1) JP2004503018A (de)
KR (2) KR20090031588A (de)
AU (1) AU2001272633A1 (de)
FR (1) FR2811451B1 (de)
WO (1) WO2002005152A1 (de)

Families Citing this family (20)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US8190893B2 (en) * 2003-10-27 2012-05-29 Jp Morgan Chase Bank Portable security transaction protocol
US8027918B2 (en) * 2004-08-30 2011-09-27 Google Inc. Micro-payment system architecture
US7640193B2 (en) * 2005-12-09 2009-12-29 Google Inc. Distributed electronic commerce system with centralized virtual shopping carts
US7949572B2 (en) * 2006-06-27 2011-05-24 Google Inc. Distributed electronic commerce system with independent third party virtual shopping carts
US8521650B2 (en) 2007-02-26 2013-08-27 Zepfrog Corp. Method and service for providing access to premium content and dispersing payment therefore
US10580049B2 (en) 2011-04-05 2020-03-03 Ingenico, Inc. System and method for incorporating one-time tokens, coupons, and reward systems into merchant point of sale checkout systems
GB201105765D0 (en) * 2011-04-05 2011-05-18 Visa Europe Ltd Payment system
US9195983B2 (en) 2011-04-05 2015-11-24 Roam Data Inc. System and method for a secure cardholder load and storage device
EP2801062A4 (de) * 2011-10-31 2015-10-28 Roam Data Inc System und verfahren zur integration von einmal-wertmarken, -coupons und -belohnungssystemen in selbstbedienungskassensysteme einer verkaufsstelle
US9846799B2 (en) 2012-05-18 2017-12-19 Apple Inc. Efficient texture comparison
US9135496B2 (en) * 2012-05-18 2015-09-15 Apple Inc. Efficient texture comparison
US9715616B2 (en) 2012-06-29 2017-07-25 Apple Inc. Fingerprint sensing and enrollment
US10068120B2 (en) 2013-03-15 2018-09-04 Apple Inc. High dynamic range fingerprint sensing
US9922322B2 (en) 2013-12-19 2018-03-20 Visa International Service Association Cloud-based transactions with magnetic secure transmission
CN106465112A (zh) 2014-05-21 2017-02-22 维萨国际服务协会 离线认证
US9775029B2 (en) 2014-08-22 2017-09-26 Visa International Service Association Embedding cloud-based functionalities in a communication device
KR102645868B1 (ko) * 2018-04-17 2024-03-07 강찬고 온라인 거래정보 보안 시스템 및 온라인 거래정보 보안방법
JP6853422B1 (ja) * 2018-04-17 2021-03-31 ゴ カン，チャン オンライン取引情報保護システムおよびオンライン取引情報保護方法
WO2021050456A1 (en) * 2019-09-10 2021-03-18 Gameplus Inc. Systems and methods for contest funds management
US11651354B2 (en) 2019-09-11 2023-05-16 Nxp B.V. Efficient partially spendable e-cash

Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1998044429A1 (en) * 1997-04-01 1998-10-08 Cardis Enterprise International N.V. Countable electronic monetary system and method
EP0907154A2 (de) * 1997-10-01 1999-04-07 Fujitsu Limited Elektronisches Börsensystem mit doppelstrukturierter Börse, in diesem elektronischen Börsensystem angewendete Chipkarte, Chipkartentransaktionsvorrichtung mit doppelstrukturierter Börse, Chipkartentransaktionssystem mit doppelstrukturierter Börse und in diesem Chipkartensystem angewendete Chipkarte

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US3594727A (en) * 1968-04-16 1971-07-20 Edward L Braun Credit card banking system
JPH05324998A (ja) * 1992-05-19 1993-12-10 Dainippon Printing Co Ltd Ｉｃカードを用いた代金精算システム
JP3334013B2 (ja) * 1994-05-02 2002-10-15 日本電信電話株式会社 電子現金流通方法
JP3334018B2 (ja) * 1994-09-20 2002-10-15 日本電信電話株式会社 電子現金方法及び電子現金システム
US5710887A (en) * 1995-08-29 1998-01-20 Broadvision Computer system and method for electronic commerce
US6016484A (en) * 1996-04-26 2000-01-18 Verifone, Inc. System, method and article of manufacture for network electronic payment instrument and certification of payment and credit collection utilizing a payment
JPH09305666A (ja) * 1996-05-16 1997-11-28 Nippon Telegr & Teleph Corp <Ntt> 電子決済方法ならびにシステム
JP3599493B2 (ja) * 1996-09-10 2004-12-08 日本銀行 発行機関分離型番号登録式電子現金方法および利用者装置
US6029150A (en) * 1996-10-04 2000-02-22 Certco, Llc Payment and transactions in electronic commerce system
GB9624127D0 (en) * 1996-11-20 1997-01-08 British Telecomm Transaction system
EP0972276A1 (de) * 1997-03-26 2000-01-19 BRITISH TELECOMMUNICATIONS public limited company Transaktionssystem
US6128391A (en) * 1997-09-22 2000-10-03 Visa International Service Association Method and apparatus for asymetric key management in a cryptographic system
JP3483441B2 (ja) * 1997-10-16 2004-01-06 富士通株式会社 電子マネーの管理所有装置および管理所有方法
JP3396638B2 (ja) * 1997-12-26 2003-04-14 日本電信電話株式会社 利用者署名を用いた電子現金方法、その装置及び記録媒体
AU3183899A (en) * 1998-03-11 1999-09-27 Cha! Technologies Services, Inc. Automatically invoked intermediation process for network purchases
EP0987642A3 (de) * 1998-09-15 2004-03-10 Citibank, N.A. Verfahren und System zum Vermarkten einer elektronischen Zahlungsplattform so wie eine elektronische Brieftasche zusammen mit einer bestehenden Marke
JP2000148936A (ja) * 1998-11-16 2000-05-30 Nippon Conlux Co Ltd 電子マネーの精算方法および装置
US7177838B1 (en) * 2000-01-26 2007-02-13 Paybyclick Corporation Method and apparatus for conducting electronic commerce transactions using electronic tokens
WO2003058391A2 (en) * 2001-12-26 2003-07-17 Vivotech, Inc. Wireless network micropayment financial transaction processing

Patent Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1998044429A1 (en) * 1997-04-01 1998-10-08 Cardis Enterprise International N.V. Countable electronic monetary system and method
EP0907154A2 (de) * 1997-10-01 1999-04-07 Fujitsu Limited Elektronisches Börsensystem mit doppelstrukturierter Börse, in diesem elektronischen Börsensystem angewendete Chipkarte, Chipkartentransaktionsvorrichtung mit doppelstrukturierter Börse, Chipkartentransaktionssystem mit doppelstrukturierter Börse und in diesem Chipkartensystem angewendete Chipkarte

Non-Patent Citations (1)

* Cited by examiner, † Cited by third party
Title
See also references of WO0205152A1 *

Also Published As

Publication number Publication date
KR20030029607A (ko) 2003-04-14
KR20090031588A (ko) 2009-03-26
FR2811451B1 (fr) 2002-11-29
US20040034597A1 (en) 2004-02-19
JP2004503018A (ja) 2004-01-29
FR2811451A1 (fr) 2002-01-11
WO2002005152A1 (fr) 2002-01-17
AU2001272633A1 (en) 2002-01-21

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