FR2821225B1 - Systeme de paiement electronique a distance - Google Patents

Systeme de paiement electronique a distance

Info

Publication number
FR2821225B1
FR2821225B1 FR0102262A FR0102262A FR2821225B1 FR 2821225 B1 FR2821225 B1 FR 2821225B1 FR 0102262 A FR0102262 A FR 0102262A FR 0102262 A FR0102262 A FR 0102262A FR 2821225 B1 FR2821225 B1 FR 2821225B1
Authority
FR
France
Prior art keywords
payment system
authentication
electronic payment
remote electronic
user
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
FR0102262A
Other languages
English (en)
Other versions
FR2821225A1 (fr
Inventor
Christophe Dolique
Eric Barbier
Carles Guillot
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.)
MOBILEWAY
Original Assignee
MOBILEWAY
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 MOBILEWAY filed Critical MOBILEWAY
Priority to FR0102262A priority Critical patent/FR2821225B1/fr
Priority to EP02714264A priority patent/EP1362466A1/fr
Priority to PCT/FR2002/000626 priority patent/WO2002067534A1/fr
Priority to US10/468,476 priority patent/US20040139013A1/en
Publication of FR2821225A1 publication Critical patent/FR2821225A1/fr
Application granted granted Critical
Publication of FR2821225B1 publication Critical patent/FR2821225B1/fr
Priority to US12/411,800 priority patent/US20090182676A1/en
Priority to US12/940,281 priority patent/US20110047082A1/en
Anticipated expiration legal-status Critical
Expired - Lifetime legal-status Critical Current

Links

Classifications

    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00Network architectures or network communication protocols for network security
    • H04L63/08Network architectures or network communication protocols for network security for authentication of entities
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/10Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102Bill distribution or payments
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, 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
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, 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
    • G06Q20/401Transaction verification
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00Network architectures or network communication protocols for network security
    • H04L63/12Applying verification of the received information
    • H04L63/126Applying verification of the received information the source of the received data
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L2463/00Additional details relating to network architectures or network communication protocols for network security covered by H04L63/00
    • H04L2463/102Additional details relating to network architectures or network communication protocols for network security covered by H04L63/00 applying security measure for e-commerce
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00Network architectures or network communication protocols for network security
    • H04L63/08Network architectures or network communication protocols for network security for authentication of entities
    • H04L63/0853Network architectures or network communication protocols for network security for authentication of entities using an additional device, e.g. smartcard, SIM or a different communication terminal
FR0102262A 2001-02-20 2001-02-20 Systeme de paiement electronique a distance Expired - Lifetime FR2821225B1 (fr)

Priority Applications (6)

Application Number Priority Date Filing Date Title
FR0102262A FR2821225B1 (fr) 2001-02-20 2001-02-20 Systeme de paiement electronique a distance
EP02714264A EP1362466A1 (fr) 2001-02-20 2002-02-19 Systeme de paiement electronique a distance
PCT/FR2002/000626 WO2002067534A1 (fr) 2001-02-20 2002-02-19 Systeme de paiement electronique a distance
US10/468,476 US20040139013A1 (en) 2001-02-20 2002-02-19 Remote electronic payment system
US12/411,800 US20090182676A1 (en) 2001-02-20 2009-03-26 Remote Electronic Payment System
US12/940,281 US20110047082A1 (en) 2001-02-20 2010-11-05 Remote Electronic Payment System

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
FR0102262A FR2821225B1 (fr) 2001-02-20 2001-02-20 Systeme de paiement electronique a distance

Publications (2)

Publication Number Publication Date
FR2821225A1 FR2821225A1 (fr) 2002-08-23
FR2821225B1 true FR2821225B1 (fr) 2005-02-04

Family

ID=8860211

Family Applications (1)

Application Number Title Priority Date Filing Date
FR0102262A Expired - Lifetime FR2821225B1 (fr) 2001-02-20 2001-02-20 Systeme de paiement electronique a distance

Country Status (4)

Country Link
US (3) US20040139013A1 (fr)
EP (1) EP1362466A1 (fr)
FR (1) FR2821225B1 (fr)
WO (1) WO2002067534A1 (fr)

Families Citing this family (31)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
FI20011680A (fi) * 2001-08-21 2003-02-22 Bookit Oy Ajanvarausmenetelmä ja -järjestelmä
CN101482949A (zh) * 2001-12-04 2009-07-15 M概念有限公司 使用移动电信设备以便于电子财务交易的系统及方法
AU2002349173B2 (en) * 2001-12-04 2005-04-28 Conceptm Company Limited System and method for facilitating electronic financial transactions using a mobile telecommunication device
EP2600560A3 (fr) * 2002-09-09 2014-04-16 U.S. Encode Corporation Systèmes et procédés d'authentification sécurisée de transactions électroniques
WO2005001670A2 (fr) * 2003-06-30 2005-01-06 Selvanathan Narainsamy Systeme de verification de transaction
CA2546700C (fr) * 2003-11-07 2013-03-05 Telecom Italia S.P.A. Procede et systeme d'authentification d'un utilisateur d'un systeme de traitement de donnees
WO2006053191A2 (fr) * 2004-11-10 2006-05-18 Mastercard International Incorporated Procede et systeme permettant d'effectuer une transaction a l'aide d'un code d'autorisation dynamique
US20060258397A1 (en) * 2005-05-10 2006-11-16 Kaplan Mark M Integrated mobile application server and communication gateway
FI20051023L (fi) * 2005-10-11 2007-04-12 Meridea Financial Software Oy Menetelmä, laitteet ja järjestely yhteyden autentikoimiseksi kannettavan laitteen avulla
US8611856B2 (en) * 2005-10-18 2013-12-17 Google Inc. Identifying spurious requests for information
DE102006014350A1 (de) * 2005-11-04 2007-05-10 Siemens Ag Verfahren und Server zum teilnehmerspezifischen Aktivieren eines netzbasierten Mobilitätsmanagements
US20070156517A1 (en) * 2005-12-29 2007-07-05 Mark Kaplan System and method for redemption of a coupon using a mobile cellular telephone
US7657489B2 (en) 2006-01-18 2010-02-02 Mocapay, Inc. Systems and method for secure wireless payment transactions
BRPI0806457A2 (pt) 2007-01-09 2011-09-06 Visa Usa Inc método, telefone móvel, e, sistema
US20080299970A1 (en) * 2007-05-30 2008-12-04 Shoptext, Inc. Consumer Registration Via Mobile Device
US20090063312A1 (en) * 2007-08-28 2009-03-05 Hurst Douglas J Method and System for Processing Secure Wireless Payment Transactions and for Providing a Virtual Terminal for Merchant Processing of Such Transactions
US8589267B2 (en) 2008-01-03 2013-11-19 Mocapay, Inc. System and method for re-distributing and transferring mobile gift cards
US8744940B2 (en) 2008-01-03 2014-06-03 William O. White System and method for distributing mobile compensation and incentives
US8374588B2 (en) 2008-06-02 2013-02-12 Mocapay, Inc. Method and system for sending marketing messages to mobile-device users from a mobile-commerce platform
US20090307140A1 (en) * 2008-06-06 2009-12-10 Upendra Mardikar Mobile device over-the-air (ota) registration and point-of-sale (pos) payment
IT1398518B1 (it) * 2009-09-25 2013-03-01 Colombo Safe milano
US10255591B2 (en) * 2009-12-18 2019-04-09 Visa International Service Association Payment channel returning limited use proxy dynamic value
US8862767B2 (en) 2011-09-02 2014-10-14 Ebay Inc. Secure elements broker (SEB) for application communication channel selector optimization
US20130060708A1 (en) * 2011-09-06 2013-03-07 Rawllin International Inc. User verification for electronic money transfers
CN103426113A (zh) * 2012-05-25 2013-12-04 动信科技股份有限公司 一种金融讯息处理系统及方法
US20140006276A1 (en) * 2012-06-28 2014-01-02 Bank Of America Corporation Mobile wallet account number differentiation
WO2014197935A1 (fr) * 2013-06-14 2014-12-18 Point Of Pay Pty Ltd Saisie et affichage de donnees securises pour dispositif de communication
US8930274B1 (en) 2013-10-30 2015-01-06 Google Inc. Securing payment transactions with rotating application transaction counters
US10387845B2 (en) 2015-07-10 2019-08-20 Bank Of America Corporation System for facilitating appointment calendaring based on perceived customer requirements
US10387846B2 (en) 2015-07-10 2019-08-20 Bank Of America Corporation System for affecting appointment calendaring on a mobile device based on dependencies
US10740760B2 (en) 2017-05-10 2020-08-11 Sap Se Framework for managing online transactions in internet of things (IoT)

Family Cites Families (45)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
SE470519B (sv) * 1992-11-09 1994-06-27 Ericsson Telefon Ab L M Anordning för tillhandahållande av tjänster såsom telefonkommunikation datakommunikation, etc omfattande en terminalenhet och en accessenhet
US5299263A (en) * 1993-03-04 1994-03-29 Bell Communications Research, Inc. Two-way public key authentication and key agreement for low-cost terminals
EP1235177A3 (fr) * 1993-12-16 2003-10-08 divine technology ventures Publicité numérique active
US5434919A (en) * 1994-01-11 1995-07-18 Chaum; David Compact endorsement signature systems
US5668876A (en) * 1994-06-24 1997-09-16 Telefonaktiebolaget Lm Ericsson User authentication method and apparatus
US5999711A (en) * 1994-07-18 1999-12-07 Microsoft Corporation Method and system for providing certificates holding authentication and authorization information for users/machines
US5722067A (en) * 1994-12-23 1998-02-24 Freedom Wireless, Inc. Security cellular telecommunications system
JPH1165439A (ja) * 1996-08-09 1999-03-05 Nippon Telegr & Teleph Corp <Ntt> N進表現暗号による通信および認証方法、ならびにそれらの装置、およびn進表現暗号による通信および認証プログラムを格納した記憶媒体
US6061650A (en) * 1996-09-10 2000-05-09 Nortel Networks Corporation Method and apparatus for transparently providing mobile network functionality
US6175922B1 (en) * 1996-12-04 2001-01-16 Esign, Inc. Electronic transaction systems and methods therefor
US5784463A (en) * 1996-12-04 1998-07-21 V-One Corporation Token distribution, registration, and dynamic configuration of user entitlement for an application level security system and method
KR100290510B1 (ko) * 1997-02-28 2001-06-01 가시오 가즈오 네트워크를 이용한 인증시스템
US6069957A (en) * 1997-03-07 2000-05-30 Lucent Technologies Inc. Method and apparatus for providing hierarchical key system in restricted-access television system
US6681017B1 (en) * 1997-09-03 2004-01-20 Lucent Technologies Inc. Simplified secure shared key establishment and data delivery protocols for electronic commerce
US6148405A (en) * 1997-11-10 2000-11-14 Phone.Com, Inc. Method and system for secure lightweight transactions in wireless data networks
EP0926637B1 (fr) * 1997-12-26 2005-04-27 Nippon Telegraph and Telephone Corporation Méthode d'implémentation de monnaie électronique pour un émetteur ayant des compteurs de solde de monnaie électronique, équipement émetteur correspondant et support d'enregistrement contenant un programme d'exécution de la méthode
US7089214B2 (en) * 1998-04-27 2006-08-08 Esignx Corporation Method for utilizing a portable electronic authorization device to approve transactions between a user and an electronic transaction system
US6816968B1 (en) * 1998-07-10 2004-11-09 Silverbrook Research Pty Ltd Consumable authentication protocol and system
KR100300629B1 (ko) * 1998-11-07 2001-09-07 윤종용 코드분할다중접속방식 서비스지역에서 심카드를 사용하기 위한시스템 및 방법
US6327578B1 (en) * 1998-12-29 2001-12-04 International Business Machines Corporation Four-party credit/debit payment protocol
FI991105A (fi) * 1999-05-14 2000-11-15 Nokia Networks Oy Menetelmä ja digitaalinen matkaviestinjärjestelmä
JP4503143B2 (ja) * 1999-07-14 2010-07-14 パナソニック株式会社 電子チケットシステムとサービスサーバとモバイル端末
FI109445B (fi) * 1999-08-06 2002-07-31 Nokia Corp Menetelmä käyttäjän tunnistetietojen välitämiseksi langattomaan viestimeen
WO2001037180A1 (fr) * 1999-11-19 2001-05-25 Ecognito, Inc. Systeme, methode et programme informatique permettant de proteger un consommateur et de securiser des transactions commerciales electroniques
JP2002247029A (ja) * 2000-02-02 2002-08-30 Sony Corp 認証装置、認証システムおよびその方法、処理装置、通信装置、通信制御装置、通信システムおよびその方法、情報記録方法およびその装置、情報復元方法およびその装置、その記録媒体
US7685423B1 (en) * 2000-02-15 2010-03-23 Silverbrook Research Pty Ltd Validation protocol and system
US20010037254A1 (en) * 2000-03-09 2001-11-01 Adi Glikman System and method for assisting a customer in purchasing a commodity using a mobile device
WO2001075549A2 (fr) * 2000-03-30 2001-10-11 Cygent, Inc. Systeme et procede permettant d'etablir des systemes de commerce electronique pour le support du commerce par des services de communication
AU2001257280C1 (en) * 2000-04-24 2009-01-15 Visa International Service Association Online payer authentication service
US7050993B1 (en) * 2000-04-27 2006-05-23 Nokia Corporation Advanced service redirector for personal computer
JP2001313636A (ja) * 2000-04-28 2001-11-09 Sony Corp 認証システム、認証方法、認証装置及びその方法
US20020038287A1 (en) * 2000-08-30 2002-03-28 Jean-Marc Villaret EMV card-based identification, authentication, and access control for remote access
US7107248B1 (en) * 2000-09-11 2006-09-12 Nokia Corporation System and method of bootstrapping a temporary public-key infrastructure from a cellular telecommunication authentication and billing infrastructure
JP2002158650A (ja) * 2000-11-21 2002-05-31 Fujitsu Ltd 認証・暗号化処理代行用のサーバ、アクセスカード、プログラム記録媒体及び携帯端末
US20020077993A1 (en) * 2000-12-18 2002-06-20 Nokia Corporation Method and system for conducting wireless payments
FR2818474B1 (fr) * 2000-12-18 2003-02-21 Richard Toffolet Procede de lutte contre le vol de dispositifs "nomades", dispositif et installation correspondante
US20030115452A1 (en) * 2000-12-19 2003-06-19 Ravi Sandhu One time password entry to access multiple network sites
WO2002082387A1 (fr) * 2001-04-04 2002-10-17 Microcell I5 Inc. Procede et systeme pour effectuer une transaction electronique
US20030005317A1 (en) * 2001-06-28 2003-01-02 Audebert Yves Louis Gabriel Method and system for generating and verifying a key protection certificate
US7181015B2 (en) * 2001-07-31 2007-02-20 Mcafee, Inc. Method and apparatus for cryptographic key establishment using an identity based symmetric keying technique
US7146009B2 (en) * 2002-02-05 2006-12-05 Surety, Llc Secure electronic messaging system requiring key retrieval for deriving decryption keys
US7054613B2 (en) * 2002-05-03 2006-05-30 Telefonaktiebolaget Lm Ericsson (Publ) SIM card to mobile device interface protection method and system
WO2004017564A1 (fr) * 2002-08-16 2004-02-26 Togewa Holding Ag Procede et systeme d'authentification gsm pour une itinerance wlan
DE102007000589B9 (de) * 2007-10-29 2010-01-28 Bundesdruckerei Gmbh Verfahren zum Schutz einer Chipkarte gegen unberechtigte Benutzung, Chipkarte und Chipkarten-Terminal
CN101232378B (zh) * 2007-12-29 2010-12-08 西安西电捷通无线网络通信股份有限公司 一种无线多跳网络的认证接入方法

Also Published As

Publication number Publication date
FR2821225A1 (fr) 2002-08-23
WO2002067534A1 (fr) 2002-08-29
US20110047082A1 (en) 2011-02-24
EP1362466A1 (fr) 2003-11-19
US20090182676A1 (en) 2009-07-16
US20040139013A1 (en) 2004-07-15

Similar Documents

Publication Publication Date Title
FR2821225B1 (fr) Systeme de paiement electronique a distance
SG124290A1 (en) Electronic payment method, system, and devices
RU2409864C2 (ru) Способ санкционированного предоставления услуги и устройство для его осуществления
GB2473400A (en) Real time authentication of payment cards
GB0215068D0 (en) Method of conducting transactions over a network
ATE391323T1 (de) Verfahren und vorrichtung zur identifizierung und authentisierung
WO2005114899A3 (fr) Traitement securise de payements pour des transactions en ligne
EP2587714A1 (fr) Procédé de communication de données sécurisée à courte distance basé sur des ondes sonores ou audio, et appareil associé
EP2378451A1 (fr) Authentification d&#39;utilisateur dans un service à base d&#39;étiquettes
ATE434305T1 (de) Mobil-account-authentifikationsdienst
TW200511097A (en) Security device, data processing terminal, integrated circuit, terminal application program generation device and application program authentication method
ATE394885T1 (de) Verfahren zum freigeben von pki-funktionen in einer chipkarte
FI981132A (fi) Palvelun luvattoman käytön estäminen
JP2003337868A5 (ja) サービス提供システム、機器端末およびその処理方法、認証装置および方法、サービス提供装置および方法、並びにプログラム
CN103415858A (zh) 移动应用条形码识别方法和系统
TW200602934A (en) Wireless service purchasing system
WO2008060820A3 (fr) Système et procédé d&#39;authentification d&#39;accès au serveur à distance
ATE456095T1 (de) Abschluss von verbindungen mit erweiterten diensten
WO2002075478A3 (fr) Transaction a presentation de carte en ligne
BR9807372A (pt) Método de verificar autorização
WO2007064584A3 (fr) Verification en reseau et systemes de prevention de fraudes
WO2005072382A3 (fr) Systeme et procede permettant d&#39;executer des transactions telephoniques et informatiques securisees
DK1456999T3 (da) Fremgangsmåde til elektronisk signatur
WO2005049158A3 (fr) Carte de loterie a valeur stockee et procedes correspondants
AU2002357979A8 (en) Method and system for carrying out verification processes with regard to authorization of use and/or payment processes by means of a mobile telephone terminal, mobile telephone terminal, interrogation station, control program

Legal Events

Date Code Title Description
PLFP Fee payment

Year of fee payment: 16

PLFP Fee payment

Year of fee payment: 17

PLFP Fee payment

Year of fee payment: 18

PLFP Fee payment

Year of fee payment: 20