EP2959442A1 - Online transaktionssystem - Google Patents

Online transaktionssystem

Info

Publication number
EP2959442A1
EP2959442A1 EP13799547.8A EP13799547A EP2959442A1 EP 2959442 A1 EP2959442 A1 EP 2959442A1 EP 13799547 A EP13799547 A EP 13799547A EP 2959442 A1 EP2959442 A1 EP 2959442A1
Authority
EP
European Patent Office
Prior art keywords
mobile terminal
transaction
network
bank
data
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.)
Withdrawn
Application number
EP13799547.8A
Other languages
German (de)
English (en)
French (fr)
Inventor
Victor Gulchenko
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.)
Sqwin SA
Original Assignee
Sqwin SA
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
Family has litigation
First worldwide family litigation filed litigation Critical https://patents.darts-ip.com/?family=49713083&utm_source=google_patent&utm_medium=platform_link&utm_campaign=public_patent_search&patent=EP2959442(A1) "Global patent litigation dataset” by Darts-ip is licensed under a Creative Commons Attribution 4.0 International License.
Application filed by Sqwin SA filed Critical Sqwin SA
Publication of EP2959442A1 publication Critical patent/EP2959442A1/de
Withdrawn legal-status Critical Current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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/384—Payment protocols; Details thereof using social networks
    • 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
    • G06Q20/347—Passive cards
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
    • G06F21/31—User authentication
    • G06F21/42—User authentication using separate channels for security data
    • 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
    • G06Q20/20—Point-of-sale [POS] network systems
    • 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
    • G06Q20/20—Point-of-sale [POS] network systems
    • G06Q20/204—Point-of-sale [POS] network systems comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
    • 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
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • 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
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • 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
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
    • 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
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3278—RFID or NFC payments by means of M-devices
    • 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
    • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
    • 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
    • G06Q20/386—Payment protocols; Details thereof using messaging services or messaging apps
    • 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
    • G06Q20/42—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

Definitions

  • the invention relates to an online transaction system of the invention:
  • a financial transaction system is a computer-aided application system used to carry out predominantly cashless transactions. I.d.R. These systems are based on database systems that execute transactions. To properly execute a transaction, there are safeguards to ensure that a database is always in the correct state. In mobile payment or payment transactions, it is important to identify the identity of the payer and to avoid misuse.
  • WO 2008/050132 A2 shows a method in which the transaction data are transmitted in parallel by a mobile terminal and a cash register system and are executed only if both data are identical.
  • WO 2010/129357 A2 discloses a method for providing dynamic card verification of mobile terminals.
  • Principle of the present invention is the separation of information flows from the buyer and seller at the moment of purchase. Each party sends to the payment system her Information packet over its connection channel. Thus with each purchase two independent information packages are attached to the
  • Each information package contains a mandatory element - a unique number of the cash register receipt. Only thanks to this element, the payment system or the banking system can find two information packages and connect them together.
  • the invention comprises a method for carrying out a digital transaction via a mobile terminal, with a
  • the method comprises the steps:
  • the account data are stored, for example, in an Internet service, such as an e-mail account or an account in a social network, and the mobile terminal can register by this Internet service, a transfer of account information and the digital Trigger codes.
  • the code can be entered manually or automatically in the device, as will be explained below.
  • the unique identifier can also be entered via a pattern password, which is displayed on the cash register device or on the cash register receipt.
  • the voice input is conceivable.
  • the unique digital code may be used only once to connect to a local wireless network of the POS system
  • an IMSI, IMEI or MAC address of the mobile terminal is entered which flows into the transaction data, in parallel the mobile terminal transmits the IMSI, IMEI or MAC address to the bank and a transaction is only released, though the IMSI, IMEI or MAC addresses match. As a result, not only the code but also the address of the terminal is checked.
  • the IMSI, IMEI or MAC address is the code itself.
  • the digital code is printed on a receipt from the POS system to then manually type it into the mobile device.
  • the code can also be transferred via a network to the mobile terminal.
  • the one-time digital code is wireless
  • Transfer connection from the POS system and the mobile terminal preferably by NFC or Bluetooth or WIFI, so that the mobile terminal can forward the data without manual typing.
  • the network of the checkout system identifies the mobile terminal at the time of its connection to the network by an IMSI number (International Mobile Subscriber,
  • the coordinates may thus be another comparison criterion to securely merge the data and initiate the transaction.
  • the wireless is local
  • the invention comprises a
  • a system comprising a mobile terminal, a POS system and a bank system characterized by means for carrying out the method according to one or more of the preceding
  • the invention relates to a method for carrying out a digital transaction via a mobile terminal, with a cash register system that with a
  • wireless local network comprising the
  • the wireless network is preferably a WLAN network formed in the local cash register area.
  • the POS system manages the assignment of the identity of the mobile terminal to a customer account via a user account by storing the bank information such as credit card information or account number, bank code, etc. Assigning the Mac address to this transaction information ensures that the owner of the mobile device does not need to provide any additional account information. Based on the Mac address is assigned to the account data and a release can take place. In order to avoid fraud, the data of the mobile are also in the customer data
  • the mobile terminal transmits account data through an application on the mobile terminal to a destination address in the mobile network. Based on the unique identifier and the
  • Account data can be checked again by the provider of the mobile network of the mobile terminal of the location of the mobile device and a release can be done by the mobile provider. It should be noted that a debit from the account of the mobile provider can also be done, so that a
  • Invoicing can be done via the telephone bill.
  • the unique digital code is to be used only once to communicate with the local
  • the unique code can contain any number of digits or letters. However, the customer may only enter the last four digits for a manual entry.
  • the system can generate a fairly long code (so that no repetitions occur on many purchases), but selects either the first or the last four symbols as a unique code for network entry.
  • the system forwards the entire (long) original code to the smartphone.
  • the unique code can be transmitted in different forms.
  • the digital code may appear on a receipt from
  • this is also generated as a barcode, which can then be read by an application of the mobile terminal.
  • This barcode can usually be accessed via the camera of the mobile device
  • the acknowledgment can also be transmitted via a mobile radio interface via Bluetooth, NFC or as SMS to the mobile terminal. If a special application is installed on the mobile device, this code can be interpreted in the same way as and for
  • Authorization to be used in the mobile network Preferably, the user must still confirm the input before access to the mobile network or wireless network is enabled.
  • a code entry for the network access takes place.
  • the customer is on the net; the network can now assign the customer's MAC address, and the customer is subsequently disconnected from the network.
  • the POS system then sends an information packet (containing the MAC address of the buyer, the
  • Payment amount and cash register receipt, own seller details) to the payment system for example bank or VISA etc.
  • Smartphone the receipt to the application provider / social network (eg Facebook or Google Mail).
  • the application adds the buyer's bank details to the information packet and sends it to the payment system (eg bank or VISA etc.).
  • the payment system eg bank or VISA etc.
  • Payment system compares both information packets.
  • the seller gets a commitment from the payment system.
  • the customer bank receives a commitment from the payment system.
  • Non-manual code entry allows automatic entry through NFC technology.
  • the POS system is connected to a control system for the mobile network to exchange the digital code.
  • the control system can use the RADIUS
  • Protocol control the access points for the wireless network If a user logs on to the wireless network, appropriate requests can be made to the control system from the
  • Access point of the wireless network Other technologies are of course conceivable. Basically, however, a standard should be used to control the wireless access points so that the one-time password is used effectively.
  • control system After registration has been made and the necessary data has been exchanged, the control system immediately resets the access.
  • an application runs on the mobile terminal via which the digital code is entered and a log-on to the mobile network takes place, and where after the log-on account information,
  • Credit card information or IMSI information is sent to the mobile network by the application.
  • the mobile network control system responds to the mobile terminal after logging on over the network to obtain information for performing a digital transaction from the mobile terminal.
  • the control system of the network is the mobile terminal at the time of its connection (by an IMSI number (International Mobile Subscriber, Identity) or IMEI
  • POS International Mobile Equipment Identity
  • MAC Media Access Control address
  • the POS system accesses the network identification on a database in which the account information and / or a
  • Network providers are stored in relation to the network identification.
  • the access data can be transmitted to the mobile terminal via a telephone network as described above, whereby the telephone provider checks the correctness of the identification.
  • the phone provider checks the IMSI, IMEI or MAC. Preferably, the phone provider checks the
  • the transaction data will be transmitted to a clearinghouse (bank), which will ultimately execute the transaction on the banking systems.
  • bank clearinghouse
  • FIG. 1 schematically shows the procedure of the method without WLAN
  • FIG. 2 schematically shows the procedure of the method with WLAN
  • FIG. 3 schematically shows the procedure of the method with WLAN
  • Figure 4 shows schematically the flow of the process, the identifier not manually, but by NFC network on the mobile
  • End device is entered.
  • FIG. 1 shows schematically the flow of a process in which no WLAN is used and a payment is made on the Internet.
  • the basic element is that the buyer is a social user
  • Network / Messenger is by specifying his payment details. This is followed by a scattered information about the payment from the buyer and seller. A unique cash register number is used as the connection option.
  • step 1A the following is performed in step 1A.
  • the online merchant generates a unique sales slip number and sends it to the payment system (including payment amount and bank account details) (1A).
  • the buyer sends his sales slip number to the social network (lc).
  • the social network sends this receipt number with the personal buyer data to the payment system (2B).
  • the payment system receives two information packages with the same sales slip number and links them for processing (2A).
  • the payment system then checks the bank issuer of the card
  • the basic elements are that the buyer is a user of a social network / messenger where he is
  • the Action sequence is basically similar to the figure
  • each information packet contains but here a MAC address of the wireless network of the seller.
  • the MAC address is used for the
  • the smartphone gets information about the MAC address of the wireless network of the seller, connected to the payment system
  • the wireless network of the seller receives a signal over the
  • the further steps correspond to FIG. 1, wherein additionally the MAC address of the WLAN network is compared.
  • FIG. 3 again shows a modified version.
  • social network / messenger is where he has given his payment details. There is a scattered, split
  • Connectivity between two information packets is determined using the MAC address of the WLAN network of the
  • each information pack also contains a MAC address of the buyer's smartphone.
  • this MAC address is used for the
  • the buyer is looking for the seller's Wi-Fi network in his
  • the seller's Wi-Fi network receives the MAC address of the seller
  • Both MAC addresses are in this case additional components in the search for two sent to the payment system
  • FIGS. 2 and 3 show schematically the course of the process
  • a cash register system In a first step, a cash register system generates a receipt for a transaction with a unique access password for the local wireless network. The cash register system continues to enter this number
  • Access control system responsible for accessing the mobile local area network. After the mobile terminal has registered, the POS system acquires the corresponding POS system.
  • the POS system inquires at the house bank of the department store whether an account is linked to the identifier of the mobile terminal on which the corresponding bank data of the customer are stored.
  • the acquiring bank passes this on to a payment system (VISA, Mastercard) that is of the social
  • Network also obtained information. Should possibly. Even the identification of the mobile device with the location match, which was queried at the phone provider, so there is additional data. If the telephone provider / provider determines that the location and identification of the mobile device match and there is no abuse, then one will
  • FIG. 4 additionally shows that the unique identifier is transmitted to the smartphone via an NFC network. This then sends the data to the social network or network services, which then forward the data to the bank. At the same time, the data is also transmitted from the department store to the bank.
  • the method is as follows:
  • the buyer chooses the goods [or a product or service in the cafe].
  • the sequence of activities when buying the goods and the payment of goods or services (the money receiver is called "department store [Cafe]"
  • the cash register / checkout system in the department store [Cafe] is directly or with the department store's wireless local network [cafes]
  • control system that manages access to the mobile network.
  • the control system may e.g. Specify access for authentication via control units and standard protocols.
  • the employee of the department store [cafes] scans the selected goods, a receipt number with a final amount of the purchase is generated by the cash register / POS system (the seller can be replaced by a computer).
  • the number is
  • Cash register number matches b) Or with a completely different number, but with the
  • Cash register number is "connected” so that the user recognizes this.
  • This can be an N-digit code as a password. This is comfortable and customer-friendly and suitable for the perception and fast input.
  • This unique password is only valid for a single network access from an outdoor unit.
  • the customer sees on his smartphone a list of possible wireless networks, selects the network currently needed and activates this via the code.
  • the customer enters as code the N number of his cash register receipt. Wi-Fi usage by the customer and entering the sales slip number
  • the account can be a local account with the seller, on which the unique identifier of the mobile phone and the bank information are stored.
  • the mobile radio provider can be determined based on the network identifier and a debit via the telephone bill.
  • the short-term connection to the WLAN of a café or department store itself basically gives the customer no further network options (such as the possibility of Internet access) except a wish confirmation to pay a certain amount (on the receipt).
  • the WLAN of a café or department store initializes the smartphone at the moment of its connection (by an IMSI number
  • the data can be transmitted via the cash register receipt by a telephone provider (in this case the telephone provider recognizes the individual features of the customer via his smartphone)
  • a telephone provider in this case the telephone provider recognizes the individual features of the customer via his smartphone
  • the telephone company can serve as an additional security filter for the customer - the actual MAC address is checked in addition (in case, if this address was abused).
  • the Department Store it can compare the GPS coordinates of the smartphone and the actual geographic location of the department store or cafe. If the coordinates do not match, the transaction can be blocked.
  • the payment system forwards its request to the issuer (to the bank, which issues a credit or debit card to the customer
  • the access of the customer's smartphone to the WLAN of the department store or cafe becomes automatic after a successful payment
  • payment system may be a social networking application installed in the customer's smartphone. This application can take over the function of forwarding the individual customer characteristics to the payment system. There is also another connection between the seller and the customer bank, as well as a direct connection via the

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Theoretical Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Computer Security & Cryptography (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Computer Hardware Design (AREA)
  • General Engineering & Computer Science (AREA)
  • Software Systems (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Cash Registers Or Receiving Machines (AREA)
  • Mobile Radio Communication Systems (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Telephonic Communication Services (AREA)
EP13799547.8A 2012-12-21 2013-12-04 Online transaktionssystem Withdrawn EP2959442A1 (de)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
DE102012112967.3A DE102012112967B4 (de) 2012-12-21 2012-12-21 online Transaktionssystem
PCT/EP2013/075461 WO2014095362A1 (de) 2012-12-21 2013-12-04 Online transaktionssystem

Publications (1)

Publication Number Publication Date
EP2959442A1 true EP2959442A1 (de) 2015-12-30

Family

ID=49713083

Family Applications (1)

Application Number Title Priority Date Filing Date
EP13799547.8A Withdrawn EP2959442A1 (de) 2012-12-21 2013-12-04 Online transaktionssystem

Country Status (8)

Country Link
US (3) US10043176B2 (ja)
EP (1) EP2959442A1 (ja)
JP (1) JP6085037B2 (ja)
KR (1) KR101739581B1 (ja)
CN (1) CN104871187B (ja)
DE (1) DE102012112967B4 (ja)
RU (2) RU2686003C2 (ja)
WO (1) WO2014095362A1 (ja)

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CN113743929A (zh) * 2018-01-24 2021-12-03 创新先进技术有限公司 数据处理方法、终端设备和数据处理系统
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WO2014095362A1 (de) 2014-06-26
RU2015127656A (ru) 2017-01-26
RU2686003C2 (ru) 2019-04-23
US11195168B2 (en) 2021-12-07
US10043176B2 (en) 2018-08-07
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DE102012112967A1 (de) 2014-06-26
US20150348013A1 (en) 2015-12-03
US20200034824A1 (en) 2020-01-30
US10621572B2 (en) 2020-04-14
CN104871187A (zh) 2015-08-26
RU2017146783A (ru) 2018-10-19
JP2016507808A (ja) 2016-03-10
US20180341944A1 (en) 2018-11-29
RU2644128C2 (ru) 2018-02-07
KR101739581B1 (ko) 2017-05-24
RU2017146783A3 (ja) 2018-11-19

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