HRP20030254B1 - Sustav financijskih transakcija - Google Patents
Sustav financijskih transakcijaInfo
- Publication number
- HRP20030254B1 HRP20030254B1 HR20030254A HRP20030254A HRP20030254B1 HR P20030254 B1 HRP20030254 B1 HR P20030254B1 HR 20030254 A HR20030254 A HR 20030254A HR P20030254 A HRP20030254 A HR P20030254A HR P20030254 B1 HRP20030254 B1 HR P20030254B1
- Authority
- HR
- Croatia
- Prior art keywords
- financial
- data network
- financial data
- user
- management system
- Prior art date
Links
- 238000010200 validation analysis Methods 0.000 abstract 4
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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
-
- 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
- G06Q20/30—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]
- G06Q20/3221—Access to banking information through 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]
- G06Q20/3223—Realising banking transactions through M-devices
Landscapes
- 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)
- Computer Networks & Wireless Communication (AREA)
- Finance (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Marketing (AREA)
- Technology Law (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)
Abstract
Sustav financijskih transakcija za osiguranje bankarskih i financijskih servisa, što ga čine: (a) mreža financijskih podataka koja koristi predefinirani sigurnosni protokol za primanje i slanje korisničkih financijskih podataka; (b) sustav upravljanja transakcijama (130, 120) u komunikaciji sa spomenutom mrežom financijskih podataka za izvršavanje sigurnih transakcija financijskih servisa preko spomenute mreže financijskih podataka u skladu sa predefiniranim sigurnosnim protokolom kao odgovor na zahtjeve korisnika servisa; i (c) komunikacijski uređaj (110, 710) za slanje i prijem zahtjeva korisnika servisa, gdje se korisnički servisni zahtjevi obrađuju od strane spomenutog sustava upravljanja transakcijama koji koristi financijske podatke dobivene od strane spomenute mreže financijskih podataka; gdje spomenuti sustav upravljanja transakcijama prima zahtjeve korisnika servisa u prvom enkripcijskom standardu i predaje barem dio podataka iz korisničkog servisnog zahtjeva spomenutoj mreži financijskih podataka u drugom enkripcijskom standardu, igdje sigurnosni protokol podataka spomenute mreže financijskih podataka sadrži validacijske podatke uključene u korisnikovu sigurnosnu šifru koja je kartica, naznačen time, daspomenuti sustav upravljanja transakcijama sadrži izvor podataka spomenutih validacijskih podataka u vezi sa bar jednom identifikacijom korisnika, gdje spomenuti sustav upravljanja transakcijama može podnijeti validacijske podatke spomenutoj mreži financijskih podataka kao odgovor na zahtjev korisnika servisa koji ne sadrži validacijske podatke. Patent sadrži još 19 patentnih zahtjeva.
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US65747800A | 2000-09-07 | 2000-09-07 | |
PCT/US2001/006965 WO2002021416A1 (en) | 2000-09-07 | 2001-03-05 | Financial transaction system |
Publications (2)
Publication Number | Publication Date |
---|---|
HRP20030254A2 HRP20030254A2 (en) | 2005-06-30 |
HRP20030254B1 true HRP20030254B1 (hr) | 2009-12-31 |
Family
ID=24637336
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
HR20030254A HRP20030254B1 (hr) | 2000-09-07 | 2003-04-04 | Sustav financijskih transakcija |
Country Status (18)
Country | Link |
---|---|
EP (1) | EP1323085B1 (hr) |
CN (1) | CN1473305A (hr) |
AT (1) | ATE437419T1 (hr) |
AU (2) | AU4543001A (hr) |
CA (1) | CA2421308C (hr) |
CY (1) | CY1109516T1 (hr) |
CZ (1) | CZ301330B6 (hr) |
DE (1) | DE60139328D1 (hr) |
DK (1) | DK1323085T3 (hr) |
ES (1) | ES2330409T3 (hr) |
HK (1) | HK1057120A1 (hr) |
HR (1) | HRP20030254B1 (hr) |
HU (1) | HU227464B1 (hr) |
NZ (1) | NZ524435A (hr) |
PL (1) | PL365173A1 (hr) |
PT (1) | PT1323085E (hr) |
RS (1) | RS49949B (hr) |
WO (1) | WO2002021416A1 (hr) |
Families Citing this family (16)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US8977559B2 (en) | 2000-04-07 | 2015-03-10 | Zyzeba Holding Limited | Interactive marketing system |
US6377793B1 (en) | 2000-12-06 | 2002-04-23 | Xybernaut Corporation | System and method of accessing and recording messages at coordinate way points |
US6681107B2 (en) | 2000-12-06 | 2004-01-20 | Xybernaut Corporation | System and method of accessing and recording messages at coordinate way points |
WO2003047208A1 (en) * | 2001-11-29 | 2003-06-05 | Mobile Commerce Limited | Credit card payment by mobile phone |
US7865432B2 (en) * | 2002-02-15 | 2011-01-04 | Coinstar, Inc. | Methods and systems for exchanging and/or transferring various forms of value |
US7885870B2 (en) * | 2003-06-24 | 2011-02-08 | Lg Uplus Corp. | System for providing banking services by use of mobile communication |
CN1914895B (zh) * | 2004-01-20 | 2018-03-09 | 黄金富 | 利用电话进行安全金钱支付带锁银行电脑帐务系统和方法 |
US8308058B2 (en) | 2008-07-31 | 2012-11-13 | Sybase, Inc. | Mobile banking architecture |
CA2815428C (en) | 2010-11-01 | 2019-09-24 | Coinstar, Inc. | Gift card exchange kiosks and associated methods of use |
CN102571475B (zh) * | 2010-12-27 | 2016-03-09 | 中国银联股份有限公司 | 基于数据分析的安全性信息交互监测系统及方法 |
CN102222280B (zh) * | 2011-06-16 | 2014-05-14 | 中国联合网络通信集团有限公司 | 信息交互处理系统和方法 |
WO2013046062A1 (en) * | 2011-09-30 | 2013-04-04 | Turkcell Teknoloji Arastirma Ve Gelistirme Anonim Sirketi | A mobile financial transaction system and method |
US8874467B2 (en) | 2011-11-23 | 2014-10-28 | Outerwall Inc | Mobile commerce platforms and associated systems and methods for converting consumer coins, cash, and/or other forms of value for use with same |
US9129294B2 (en) | 2012-02-06 | 2015-09-08 | Outerwall Inc. | Coin counting machines having coupon capabilities, loyalty program capabilities, advertising capabilities, and the like |
US10346819B2 (en) | 2015-11-19 | 2019-07-09 | Coinstar Asset Holdings, Llc | Mobile device applications, other applications and associated kiosk-based systems and methods for facilitating coin saving |
US11250432B2 (en) * | 2016-04-13 | 2022-02-15 | America Express Travel Related Services Company, Inc. | Systems and methods for reducing fraud risk for a primary transaction account |
Citations (5)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US5719918A (en) * | 1995-07-06 | 1998-02-17 | Newnet, Inc. | Short message transaction handling system |
WO1999044114A1 (en) * | 1998-02-25 | 1999-09-02 | Telefonaktiebolaget Lm Ericsson | Method, arrangement and apparatus for authentication through a communications network |
US5987440A (en) * | 1996-07-22 | 1999-11-16 | Cyva Research Corporation | Personal information security and exchange tool |
US6041314A (en) * | 1997-12-22 | 2000-03-21 | Davis; Walter Lee | Multiple account portable wireless financial messaging unit |
WO2000031699A1 (en) * | 1998-11-22 | 2000-06-02 | Easy Charge Cellular (Pty) Limited | Method of, and apparatus for, conducting electronic transactions |
Family Cites Families (3)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US5812671A (en) * | 1996-07-17 | 1998-09-22 | Xante Corporation | Cryptographic communication system |
US5991749A (en) * | 1996-09-11 | 1999-11-23 | Morrill, Jr.; Paul H. | Wireless telephony for collecting tolls, conducting financial transactions, and authorizing other activities |
DE19905054A1 (de) * | 1999-02-08 | 2000-08-17 | Siemens Ag | Verfahren und Anordnung zur Administration eines Zahlungsvorgangs über ein Telekommunikationsnetz |
-
2001
- 2001-03-05 PL PL01365173A patent/PL365173A1/xx not_active Application Discontinuation
- 2001-03-05 AT AT01918342T patent/ATE437419T1/de active
- 2001-03-05 AU AU4543001A patent/AU4543001A/xx active Pending
- 2001-03-05 CZ CZ20031131A patent/CZ301330B6/cs not_active IP Right Cessation
- 2001-03-05 EP EP01918342A patent/EP1323085B1/en not_active Expired - Lifetime
- 2001-03-05 ES ES01918342T patent/ES2330409T3/es not_active Expired - Lifetime
- 2001-03-05 AU AU2001245430A patent/AU2001245430B2/en not_active Expired
- 2001-03-05 WO PCT/US2001/006965 patent/WO2002021416A1/en active IP Right Grant
- 2001-03-05 HU HU0302122A patent/HU227464B1/hu unknown
- 2001-03-05 CA CA2421308A patent/CA2421308C/en not_active Expired - Lifetime
- 2001-03-05 CN CNA018185169A patent/CN1473305A/zh active Pending
- 2001-03-05 DE DE60139328T patent/DE60139328D1/de not_active Expired - Lifetime
- 2001-03-05 DK DK01918342T patent/DK1323085T3/da active
- 2001-03-05 NZ NZ524435A patent/NZ524435A/xx not_active IP Right Cessation
- 2001-03-05 PT PT01918342T patent/PT1323085E/pt unknown
- 2001-03-05 RS YUP-173/03A patent/RS49949B/sr unknown
-
2003
- 2003-04-04 HR HR20030254A patent/HRP20030254B1/hr not_active IP Right Cessation
- 2003-12-30 HK HK03109454.7A patent/HK1057120A1/xx not_active IP Right Cessation
-
2009
- 2009-10-22 CY CY20091101098T patent/CY1109516T1/el unknown
Patent Citations (5)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US5719918A (en) * | 1995-07-06 | 1998-02-17 | Newnet, Inc. | Short message transaction handling system |
US5987440A (en) * | 1996-07-22 | 1999-11-16 | Cyva Research Corporation | Personal information security and exchange tool |
US6041314A (en) * | 1997-12-22 | 2000-03-21 | Davis; Walter Lee | Multiple account portable wireless financial messaging unit |
WO1999044114A1 (en) * | 1998-02-25 | 1999-09-02 | Telefonaktiebolaget Lm Ericsson | Method, arrangement and apparatus for authentication through a communications network |
WO2000031699A1 (en) * | 1998-11-22 | 2000-06-02 | Easy Charge Cellular (Pty) Limited | Method of, and apparatus for, conducting electronic transactions |
Also Published As
Publication number | Publication date |
---|---|
HUP0302122A2 (hu) | 2003-09-29 |
CY1109516T1 (el) | 2014-08-13 |
HK1057120A1 (en) | 2004-03-12 |
CZ20031131A3 (cs) | 2004-01-14 |
CA2421308C (en) | 2013-12-31 |
DK1323085T3 (da) | 2009-11-23 |
HRP20030254A2 (en) | 2005-06-30 |
HUP0302122A3 (en) | 2004-10-28 |
WO2002021416A1 (en) | 2002-03-14 |
AU4543001A (en) | 2002-03-22 |
RS49949B (sr) | 2008-09-29 |
EP1323085A4 (en) | 2006-01-18 |
NZ524435A (en) | 2005-12-23 |
EP1323085A1 (en) | 2003-07-02 |
ATE437419T1 (de) | 2009-08-15 |
CN1473305A (zh) | 2004-02-04 |
PT1323085E (pt) | 2009-10-28 |
CZ301330B6 (cs) | 2010-01-20 |
ES2330409T3 (es) | 2009-12-10 |
EP1323085B1 (en) | 2009-07-22 |
PL365173A1 (en) | 2004-12-27 |
CA2421308A1 (en) | 2002-03-14 |
HU227464B1 (en) | 2011-06-28 |
AU2001245430B2 (en) | 2007-05-24 |
DE60139328D1 (de) | 2009-09-03 |
YU17303A (sh) | 2004-09-03 |
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A1OB | Publication of a patent application | ||
AIPI | Request for the grant of a patent on the basis of a substantive examination of a patent application | ||
B1PR | Patent granted | ||
ODRP | Renewal fee for the maintenance of a patent |
Payment date: 20190211 Year of fee payment: 19 |
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ODRP | Renewal fee for the maintenance of a patent |
Payment date: 20200214 Year of fee payment: 20 |
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PB20 | Patent expired after termination of 20 years |
Effective date: 20210305 |