FR2922669B1 - Dispositif electronique portable pour l'echange de valeurs et procede de mise en oeuvre d'un tel dispositif - Google Patents

Dispositif electronique portable pour l'echange de valeurs et procede de mise en oeuvre d'un tel dispositif Download PDF

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Publication number
FR2922669B1
FR2922669B1 FR0758476A FR0758476A FR2922669B1 FR 2922669 B1 FR2922669 B1 FR 2922669B1 FR 0758476 A FR0758476 A FR 0758476A FR 0758476 A FR0758476 A FR 0758476A FR 2922669 B1 FR2922669 B1 FR 2922669B1
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France
Prior art keywords
creditor
references
implementing
wireless communication
communication module
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FR0758476A
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English (en)
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FR2922669A1 (fr
Inventor
Pierrick Delolme
Marc Bertin
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Idemia France SAS
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Oberthur Card Systems SA France
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Application filed by Oberthur Card Systems SA France filed Critical Oberthur Card Systems SA France
Priority to FR0758476A priority Critical patent/FR2922669B1/fr
Priority to EP08290979A priority patent/EP2053554A1/fr
Priority to US12/256,018 priority patent/US9792592B2/en
Publication of FR2922669A1 publication Critical patent/FR2922669A1/fr
Application granted granted Critical
Publication of FR2922669B1 publication Critical patent/FR2922669B1/fr
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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
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking 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
    • G06Q20/202—Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G06Q20/206—Point-of-sale [POS] network systems comprising security or operator identification provisions, e.g. password entry
    • 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
    • G06Q20/223—Payment schemes or models based on the use of peer-to-peer 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
    • G06Q20/32—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
    • G06Q20/322—Aspects of commerce using mobile devices [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
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3227—Aspects of commerce using mobile devices [M-devices] using secure elements embedded in 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
    • G06Q20/3278—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
    • G06Q20/30—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
    • 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
    • G06Q20/401—Transaction verification
    • G06Q20/4012—Verifying personal identification numbers [PIN]
    • 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
    • G06Q20/4014—Identity check for transactions
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L67/00—Network arrangements or protocols for supporting network services or applications
    • H04L67/01—Protocols
    • H04L67/12—Protocols specially adapted for proprietary or special-purpose networking environments, e.g. medical networks, sensor networks, networks in vehicles or remote metering networks

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Theoretical Computer Science (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Computer Security & Cryptography (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Health & Medical Sciences (AREA)
  • Computing Systems (AREA)
  • General Health & Medical Sciences (AREA)
  • Medical Informatics (AREA)
  • Signal Processing (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Mobile Radio Communication Systems (AREA)

Abstract

L'invention a pour objet un dispositif électronique portable (100) permettant de procéder à un transfert en utilisant, notamment, un module de communication sans fil à faible portée (160), ainsi qu'un procédé pour le mettre en oeuvre. Le dispositif comprend des moyens (170) pour saisir un montant et une commande d'acceptation de telle sorte qu'un débiteur puisse entrer son code confidentiel sur son dispositif portable et non sur celui d'un tiers. Si la commande d'acceptation est authentifiée, un message sécurisé comprenant le montant est transmis, via le module de communication sans fil à faible portée (160), à un créditeur. Le créditeur peut alors ajouter ses références au message et le transmettre pour effectuer la transaction. Alternativement, le créditeur transmet ses références au débiteur, via le module de communication sans fil à faible portée, qui peut former une requête de transaction comprenant le montant et les références du créditeur.
FR0758476A 2007-10-22 2007-10-22 Dispositif electronique portable pour l'echange de valeurs et procede de mise en oeuvre d'un tel dispositif Active FR2922669B1 (fr)

Priority Applications (3)

Application Number Priority Date Filing Date Title
FR0758476A FR2922669B1 (fr) 2007-10-22 2007-10-22 Dispositif electronique portable pour l'echange de valeurs et procede de mise en oeuvre d'un tel dispositif
EP08290979A EP2053554A1 (fr) 2007-10-22 2008-10-17 Dispositif electronique portable pour l'echange de valeurs et procédé de mise en oeuvre d'un tel dispositif
US12/256,018 US9792592B2 (en) 2007-10-22 2008-10-22 Portable electronic device for exchanging values and method of using such a device

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
FR0758476A FR2922669B1 (fr) 2007-10-22 2007-10-22 Dispositif electronique portable pour l'echange de valeurs et procede de mise en oeuvre d'un tel dispositif

Publications (2)

Publication Number Publication Date
FR2922669A1 FR2922669A1 (fr) 2009-04-24
FR2922669B1 true FR2922669B1 (fr) 2020-10-09

Family

ID=39323019

Family Applications (1)

Application Number Title Priority Date Filing Date
FR0758476A Active FR2922669B1 (fr) 2007-10-22 2007-10-22 Dispositif electronique portable pour l'echange de valeurs et procede de mise en oeuvre d'un tel dispositif

Country Status (3)

Country Link
US (1) US9792592B2 (fr)
EP (1) EP2053554A1 (fr)
FR (1) FR2922669B1 (fr)

Families Citing this family (8)

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Publication number Priority date Publication date Assignee Title
US20130018794A1 (en) * 2011-07-13 2013-01-17 NetQash LLC Mobile communication device based monetary transfer system
US11961147B1 (en) 2012-04-15 2024-04-16 K. Shane Cupp Cards, devices, systems, and methods for financial management services
FR2993382B1 (fr) * 2012-07-13 2015-07-03 Oberthur Technologies Entite electronique securisee pour l'autorisation d'une transaction
FR3015421B1 (fr) 2013-12-20 2017-05-12 Renault Sas Attache de panier de roue de secours en sous caisse
CN111640013A (zh) * 2019-03-01 2020-09-08 安徽海汇金融投资集团有限公司 一种基于应收账款流转的融货系统及方法
CN111639996A (zh) * 2019-03-01 2020-09-08 安徽海汇金融投资集团有限公司 一种基于应收账款债权转让的风险控制方法及系统
CN110288471A (zh) * 2019-05-27 2019-09-27 安徽海汇金融投资集团有限公司 一种应收账款债权凭证（合同）流转处理方法及系统
CN114092097B (zh) * 2021-11-23 2024-05-24 支付宝(杭州)信息技术有限公司 风险识别模型的训练方法、交易风险确定方法及装置

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US6496491B2 (en) * 1998-05-08 2002-12-17 Lucent Technologies Inc. Mobile point-to-point protocol
US7840494B2 (en) 2001-09-12 2010-11-23 Verizon Business Global Llc Systems and methods for monetary transactions between wired and wireless devices
CN100433617C (zh) * 2001-12-04 2008-11-12 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
US20050065876A1 (en) * 2003-05-12 2005-03-24 Pulkit Kumar Airbank, pay to anyone from the mobile phone
WO2005079038A1 (fr) * 2004-01-14 2005-08-25 France Telecom Procede, terminal mobile, systeme et equipement pour la fourniture d’un service de proximite accessible par l’intermediaire d’un terminal mobile
US7647024B2 (en) * 2005-10-03 2010-01-12 Sellerbid, Inc. Method and system for improving client server transmission over fading channel with wireless location and authentication technology via electromagnetic radiation
DE102004046847A1 (de) * 2004-09-27 2006-04-13 Giesecke & Devrient Gmbh System, Verfahren und tragbarer Datenträger zur Erzeugung einer digitalen Signatur
WO2007008860A2 (fr) * 2005-07-11 2007-01-18 Conrad Sheehan Transactions electroniques securisees entre un dispositif mobile et d'autres dispositifs mobiles, fixes ou virtuels
KR20080100172A (ko) * 2005-12-28 2008-11-14 쌘디스크 코포레이션 근거리 무선 통신 케이퍼빌리티를 갖는 네스팅된 메모리시스템
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Also Published As

Publication number Publication date
US9792592B2 (en) 2017-10-17
EP2053554A1 (fr) 2009-04-29
US20090106159A1 (en) 2009-04-23
FR2922669A1 (fr) 2009-04-24

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