JP2003517658A - 携帯型電子的課金／認証デバイスとその方法 - Google Patents

携帯型電子的課金／認証デバイスとその方法

Info

Publication number
JP2003517658A
JP2003517658A JP2000603183A JP2000603183A JP2003517658A JP 2003517658 A JP2003517658 A JP 2003517658A JP 2000603183 A JP2000603183 A JP 2000603183A JP 2000603183 A JP2000603183 A JP 2000603183A JP 2003517658 A JP2003517658 A JP 2003517658A
Authority
JP
Japan
Prior art keywords
card
transaction
portable
emulation
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.)
Pending
Application number
JP2000603183A
Other languages
English (en)
Japanese (ja)
Other versions
JP2003517658A5 (https=
Inventor
ユンジウン ピー ワング
Original Assignee
エサイン インコーポレーテッド
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 エサイン インコーポレーテッド filed Critical エサイン インコーポレーテッド
Publication of JP2003517658A publication Critical patent/JP2003517658A/ja
Publication of JP2003517658A5 publication Critical patent/JP2003517658A5/ja
Pending legal-status Critical Current

Links

Classifications

    • 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
    • G07F7/10—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 together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/60—Protecting data
    • G06F21/606—Protecting data by securing the transmission between two devices or processes
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/18—Payment architectures involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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 OR CALCULATING; 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 OR CALCULATING; 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 OR CALCULATING; 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
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • G06Q20/3415—Cards acting autonomously as pay-media
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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 OR CALCULATING; 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
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • G06Q20/3674—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes involving authentication
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3821—Electronic credentials
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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 OR CALCULATING; 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 OR CALCULATING; 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
    • G06Q20/40145—Biometric identity checks
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/409—Device specific authentication in transaction processing
    • G06Q20/4097—Device specific authentication in transaction processing using mutual authentication between devices and transaction partners
    • G06Q20/40975—Device specific authentication in transaction processing using mutual authentication between devices and transaction partners using encryption therefor
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]
    • 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
    • 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
    • G07F7/0873—Details of the card reader
    • G07F7/088—Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself
    • G07F7/0886—Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself the card reader being portable for interacting with a POS or ECR in realizing a payment transaction
    • 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
    • G07F7/10—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 together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1025—Identification of user by a PIN code
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/04—Network architectures or network communication protocols for network security for providing a confidential data exchange among entities communicating through data packet networks
    • H04L63/0428—Network architectures or network communication protocols for network security for providing a confidential data exchange among entities communicating through data packet networks wherein the data content is protected, e.g. by encrypting or encapsulating the payload
    • H04L63/0442—Network architectures or network communication protocols for network security for providing a confidential data exchange among entities communicating through data packet networks wherein the data content is protected, e.g. by encrypting or encapsulating the payload wherein the sending and receiving network entities apply asymmetric encryption, i.e. different keys for encryption and decryption
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
    • H04L63/0853—Network 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
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/12—Applying verification of the received information
    • H04L63/123—Applying verification of the received information received data contents, e.g. message integrity
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L2463/00—Additional details relating to network architectures or network communication protocols for network security covered by H04L63/00
    • H04L2463/102—Additional details relating to network architectures or network communication protocols for network security covered by H04L63/00 applying security measure for e-commerce

Landscapes

  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (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)
  • Signal Processing (AREA)
  • Computing Systems (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Health & Medical Sciences (AREA)
  • Bioethics (AREA)
  • General Health & Medical Sciences (AREA)
  • Software Systems (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)
  • Mobile Radio Communication Systems (AREA)
  • Cash Registers Or Receiving Machines (AREA)
JP2000603183A 1999-03-02 2000-02-25 携帯型電子的課金／認証デバイスとその方法 Pending JP2003517658A (ja)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
US09/260,384 US6850916B1 (en) 1998-04-27 1999-03-02 Portable electronic charge and authorization devices and methods therefor
US09/260,384 1999-03-02
PCT/US2000/004819 WO2000052866A2 (en) 1999-03-02 2000-02-25 Portable electronic charge and authorization devices and methods therefor

Related Child Applications (1)

Application Number Title Priority Date Filing Date
JP2010031982A Division JP5050066B2 (ja) 1999-03-02 2010-02-17 携帯型電子的課金／認証デバイスとその方法

Publications (2)

Publication Number Publication Date
JP2003517658A true JP2003517658A (ja) 2003-05-27
JP2003517658A5 JP2003517658A5 (https=) 2007-04-12

Family

ID=22988945

Family Applications (2)

Application Number Title Priority Date Filing Date
JP2000603183A Pending JP2003517658A (ja) 1999-03-02 2000-02-25 携帯型電子的課金／認証デバイスとその方法
JP2010031982A Expired - Lifetime JP5050066B2 (ja) 1999-03-02 2010-02-17 携帯型電子的課金／認証デバイスとその方法

Family Applications After (1)

Application Number Title Priority Date Filing Date
JP2010031982A Expired - Lifetime JP5050066B2 (ja) 1999-03-02 2010-02-17 携帯型電子的課金／認証デバイスとその方法

Country Status (9)

Country Link
US (1) US6850916B1 (https=)
EP (1) EP1159700A4 (https=)
JP (2) JP2003517658A (https=)
KR (1) KR100768754B1 (https=)
CN (1) CN1344396B (https=)
AU (1) AU4004300A (https=)
CA (1) CA2365644C (https=)
HK (1) HK1042144A1 (https=)
WO (1) WO2000052866A2 (https=)

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2007537506A (ja) * 2004-04-05 2007-12-20 ペイジー コーポレーション ビー．ヴイ． 価値保存機器として機能する１つの共通の携帯機器を使用して、異なる複数の決済システムにまたがる非接触式決済取引を容易にするシステム及び方法
JP2015501028A (ja) * 2011-10-20 2015-01-08 トラストニック リミテッド 移動端末、処理端末、及び、移動端末を用いて処理端末で処理を実行する方法

Families Citing this family (69)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US8225089B2 (en) * 1996-12-04 2012-07-17 Otomaku Properties Ltd., L.L.C. Electronic transaction systems utilizing a PEAD and a private key
US6850916B1 (en) * 1998-04-27 2005-02-01 Esignx Corporation Portable electronic charge and authorization devices and methods therefor
US7386727B1 (en) 1998-10-24 2008-06-10 Encorus Holdings Limited Method for digital signing of a message
US8073477B2 (en) 2000-04-11 2011-12-06 Telecommunication Systems, Inc. Short message distribution center
US8117644B2 (en) 2000-01-07 2012-02-14 Pennar Software Corporation Method and system for online document collaboration
US6845448B1 (en) 2000-01-07 2005-01-18 Pennar Software Corporation Online repository for personal information
AU2001240154A1 (en) * 2000-03-15 2001-09-24 Telecommunication Systems, Inc. Mobile originated internet relay chat
US7522911B2 (en) * 2000-04-11 2009-04-21 Telecommunication Systems, Inc. Wireless chat automatic status tracking
US6839562B2 (en) * 2000-04-11 2005-01-04 Telecommunication Systems, Inc. Intelligent delivery agent for short message distribution center
US7949773B2 (en) * 2000-04-12 2011-05-24 Telecommunication Systems, Inc. Wireless internet gateway
US6891811B1 (en) * 2000-04-18 2005-05-10 Telecommunication Systems Inc. Short messaging service center mobile-originated to HTTP internet communications
EP1154609A1 (en) * 2000-05-08 2001-11-14 TELEFONAKTIEBOLAGET LM ERICSSON (publ) Method for the authorization of transactions
MXPA02011695A (es) * 2000-06-28 2004-02-12 Holdings Ltd G Sistema de transaccion con dispositivo personal portatil de identificacion y de control de transaccion.
US7254619B2 (en) * 2000-10-13 2007-08-07 Matsushita Electric Industrial Co., Ltd. Apparatus for outputting individual authentication information connectable to a plurality of terminals through a network
US7519654B1 (en) * 2000-11-22 2009-04-14 Telecommunication Systems, Inc. Web gateway multi-carrier support
US7822684B2 (en) * 2001-10-05 2010-10-26 Jpmorgan Chase Bank, N.A. Personalized bank teller machine
JP2003228284A (ja) * 2002-01-31 2003-08-15 Fujitsu Ltd データ保存装置、データ保存方法、データ検証装置、データアクセス許可装置、プログラム、記録媒体
US20030179073A1 (en) * 2002-03-20 2003-09-25 Ohanes Ghazarian Electronic secure locking system
AUPS169002A0 (en) * 2002-04-11 2002-05-16 Tune, Andrew Dominic An information storage system
AR042599A1 (es) * 2002-11-19 2005-06-29 Schiavoni Juan Jose Metodo de proteccion de programas y equipo para realizarlo
ATE323921T1 (de) * 2003-02-21 2006-05-15 Verfahren und system zur sperrung/entsperrung von einem an eine sim-karte gebundenen geldkonto
US8589687B2 (en) * 2004-08-18 2013-11-19 Broadcom Corporation Architecture for supporting secure communication network setup in a wireless local area network (WLAN)
US7930737B2 (en) * 2004-08-18 2011-04-19 Broadcom Corporation Method and system for improved communication network setup utilizing extended terminals
US7216803B2 (en) 2005-01-21 2007-05-15 Kingsley Chukwudum Nwosu Biometric delegation and authentication of financial transactions
US7984849B2 (en) * 2005-08-16 2011-07-26 University of Nevada, Las Vegas Portable magnetic stripe reader for criminality security applications
US7828204B2 (en) * 2006-02-01 2010-11-09 Mastercard International Incorporated Techniques for authorization of usage of a payment device
US7702781B2 (en) * 2006-03-03 2010-04-20 Teoco Corporation System and method of storing data files at a remote storage facility
US7555424B2 (en) * 2006-03-16 2009-06-30 Quickturn Design Systems, Inc. Method and apparatus for rewinding emulated memory circuits
US7818264B2 (en) * 2006-06-19 2010-10-19 Visa U.S.A. Inc. Track data encryption
CN106936587B (zh) * 2006-06-19 2020-05-12 维萨美国股份有限公司 消费者认证系统和方法
US8027096B2 (en) 2006-12-15 2011-09-27 Hand Held Products, Inc. Focus module and components with actuator polymer control
US7813047B2 (en) 2006-12-15 2010-10-12 Hand Held Products, Inc. Apparatus and method comprising deformable lens element
CN101324942A (zh) * 2007-06-13 2008-12-17 阿里巴巴集团控股有限公司 利用包含ic卡的身份证进行交易的支付系统及方法
US20090103730A1 (en) * 2007-10-19 2009-04-23 Mastercard International Incorporated Apparatus and method for using a device conforming to a payment standard for access control and/or secure data storage
US20090192935A1 (en) 2008-01-30 2009-07-30 Kent Griffin One step near field communication transactions
KR100867736B1 (ko) * 2008-02-14 2008-11-10 주식회사 비즈모델라인 네트워크 카드 시스템
US9098851B2 (en) * 2008-02-14 2015-08-04 Mastercard International Incorporated Method and apparatus for simplifying the handling of complex payment transactions
US20090307140A1 (en) 2008-06-06 2009-12-10 Upendra Mardikar Mobile device over-the-air (ota) registration and point-of-sale (pos) payment
US7892792B2 (en) * 2008-06-27 2011-02-22 Indian Institute Of Science Cells expressing Pichia cytochrome C
US8341084B2 (en) 2009-06-08 2012-12-25 Mastercard International Incorporated Method, apparatus, and computer program product for topping up prepaid payment cards for offline use
US8305691B2 (en) * 2009-04-29 2012-11-06 Hand Held Products, Inc. Fluid lens element for use in changing thermal operating environment
US11080790B2 (en) 2009-09-24 2021-08-03 Guidewire Software, Inc. Method and apparatus for managing revisions and tracking of insurance policy elements
US20110076941A1 (en) * 2009-09-30 2011-03-31 Ebay Inc. Near field communication and network data/product transfer
US8781393B2 (en) * 2009-09-30 2014-07-15 Ebay Inc. Network updates of time and location
KR100951596B1 (ko) * 2009-12-30 2010-04-09 주식회사 비즈모델라인 스마트 카드용 애플리케이션 후발급 방법
US9245419B2 (en) 2010-02-10 2016-01-26 Leap Forward Gaming, Inc. Lottery games on an electronic gaming machine
US9240100B2 (en) 2010-02-10 2016-01-19 Leap Forward Gaming Virtual players card
US10460316B2 (en) 2010-04-05 2019-10-29 Paypal, Inc. Two device authentication
US8600167B2 (en) 2010-05-21 2013-12-03 Hand Held Products, Inc. System for capturing a document in an image signal
US9047531B2 (en) 2010-05-21 2015-06-02 Hand Held Products, Inc. Interactive user interface for capturing a document in an image signal
US8366002B2 (en) 2010-05-26 2013-02-05 Hand Held Products, Inc. Solid elastic lens element and method of making same
US10692081B2 (en) 2010-12-31 2020-06-23 Mastercard International Incorporated Local management of payment transactions
US8839415B2 (en) 2011-02-01 2014-09-16 Kingston Technology Corporation Blank smart card device issuance system
CN102685073B (zh) * 2011-03-11 2016-04-27 中国移动通信集团公司 安全支付方法和移动终端
CN102737256A (zh) * 2011-04-01 2012-10-17 深圳市指媒科技有限公司 一种基于rfid智能卡的身份认证方法及系统
US8925826B2 (en) 2011-05-03 2015-01-06 Microsoft Corporation Magnetic stripe-based transactions using mobile communication devices
US8862767B2 (en) 2011-09-02 2014-10-14 Ebay Inc. Secure elements broker (SEB) for application communication channel selector optimization
US8929854B2 (en) 2011-10-27 2015-01-06 Telecommunication Systems, Inc. Emergency text messaging
EP2801061B1 (en) 2012-01-05 2020-08-26 Visa International Service Association Data protection with translation
EP3848874B1 (en) * 2012-04-16 2024-04-17 sticky.io, Inc. Systems and methods for facilitating a transaction using a virtual card on a mobile device
WO2013192627A1 (en) * 2012-06-22 2013-12-27 Phillip Kopp Systems and methods for incentivizing and managing prepaid debit cards
CA2877839C (en) 2012-06-28 2021-07-27 Ologn Technologies Ag Secure key storage systems, methods and apparatuses
US20140379577A1 (en) * 2013-06-24 2014-12-25 Infosys Limited Methods, systems, and computer-readable media for providing financial transactions
US8930274B1 (en) * 2013-10-30 2015-01-06 Google Inc. Securing payment transactions with rotating application transaction counters
US9794392B2 (en) 2014-07-10 2017-10-17 Hand Held Products, Inc. Mobile-phone adapter for electronic transactions
KR101648502B1 (ko) 2014-10-13 2016-08-16 주식회사 나이스홀딩스 카드형 단말기를 이용한 모바일 결제 시스템 및 방법
CN104820813B (zh) * 2015-04-16 2018-03-13 深圳市淘淘谷信息技术有限公司 一种多卡消费管理系统及钱包
US10621824B2 (en) 2016-09-23 2020-04-14 Igt Gaming system player identification device
CN109243232B (zh) * 2018-11-16 2021-08-24 安徽匡合信息技术有限公司 一种考试装置及其系统

Citations (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1989001207A1 (en) * 1986-02-28 1989-02-09 Intellicard International, Inc. A unitary self-contained electronic card and system
JPH06501329A (ja) * 1990-12-24 1994-02-10 モトローラ・インコーポレーテッド 電子ウォレット
WO1997012344A2 (en) * 1995-09-29 1997-04-03 Dallas Semiconductor Corporation Method, apparatus, system and firmware for secure transactions
WO1998025371A1 (en) * 1996-12-04 1998-06-11 Ynjiun Wang Portable electronic authorization devices and methods therefor
WO1998034203A1 (en) * 1997-01-30 1998-08-06 Qualcomm Incorporated Method and apparatus for performing financial transactions using a mobile communication unit
WO1998037524A1 (de) * 1997-06-27 1998-08-27 Swisscom Ag Transaktionsverfahren mit einem mobilgerät
WO1999008238A1 (en) * 1997-08-11 1999-02-18 International Business Machines Corporation A portable information and transaction processing system and method utilizing biometric authorization and digital certificate security

Family Cites Families (32)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4701601A (en) * 1985-04-26 1987-10-20 Visa International Service Association Transaction card with magnetic stripe emulator
US4791283A (en) * 1986-06-03 1988-12-13 Intellicard International, Inc. Transaction card magnetic stripe emulator
JPS6373388A (ja) * 1986-09-16 1988-04-02 Fujitsu Ltd 複数サ−ビス用ｉｃカ−ドの領域獲得方式
US4868376A (en) * 1987-05-15 1989-09-19 Smartcard International Inc. Intelligent portable interactive personal data system
US5585787A (en) * 1991-12-09 1996-12-17 Wallerstein; Robert S. Programmable credit card
US5373561A (en) 1992-12-21 1994-12-13 Bell Communications Research, Inc. Method of extending the validity of a cryptographic certificate
IL104422A (en) * 1993-01-18 1996-03-31 Labaton Isaac J Method and apparatus for magnetically writing on plastic cards
BE1007075A3 (nl) * 1993-05-10 1995-03-07 Philips Electronics Nv Telecommunicatienetwerk.
US5455863A (en) 1993-06-29 1995-10-03 Motorola, Inc. Method and apparatus for efficient real-time authentication and encryption in a communication system
US5440633A (en) 1993-08-25 1995-08-08 International Business Machines Corporation Communication network access method and system
US5771354A (en) 1993-11-04 1998-06-23 Crawford; Christopher M. Internet online backup system provides remote storage for customers using IDs and passwords which were interactively established when signing up for backup services
US5841886A (en) * 1993-11-18 1998-11-24 Digimarc Corporation Security system for photographic identification
WO1995016238A1 (en) 1993-12-06 1995-06-15 Telequip Corporation Secure computer memory card
US5623552A (en) * 1994-01-21 1997-04-22 Cardguard International, Inc. Self-authenticating identification card with fingerprint identification
US5416842A (en) 1994-06-10 1995-05-16 Sun Microsystems, Inc. Method and apparatus for key-management scheme for use with internet protocols at site firewalls
US5548106A (en) 1994-08-30 1996-08-20 Angstrom Technologies, Inc. Methods and apparatus for authenticating data storage articles
US5748737A (en) 1994-11-14 1998-05-05 Daggar; Robert N. Multimedia electronic wallet with generic card
CN1312549C (zh) * 1995-02-13 2007-04-25 英特特拉斯特技术公司 用于安全交易管理和电子权利保护的系统和方法
US6006328A (en) 1995-07-14 1999-12-21 Christopher N. Drake Computer software authentication, protection, and security system
US5721781A (en) 1995-09-13 1998-02-24 Microsoft Corporation Authentication system and method for smart card transactions
US5724423A (en) 1995-09-18 1998-03-03 Telefonaktiebolaget Lm Ericsson Method and apparatus for user authentication
CA2192017C (en) * 1995-12-08 2000-04-25 Masayuki Ohki Ic card reader/writer and method of operation thereof
US5907142A (en) 1995-12-12 1999-05-25 Kelsey; Craig E. Fraud resistant personally activated transaction card
FR2745966B1 (fr) 1996-03-08 1998-06-05 Jean Luc Leleu Passerelle de peage pour reseau de transmission de donnees
US5815657A (en) 1996-04-26 1998-09-29 Verifone, Inc. System, method and article of manufacture for network electronic authorization utilizing an authorization instrument
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
US5963924A (en) 1996-04-26 1999-10-05 Verifone, Inc. System, method and article of manufacture for the use of payment instrument holders and payment instruments in network electronic commerce
US6523119B2 (en) * 1996-12-04 2003-02-18 Rainbow Technologies, Inc. Software protection device and method
US5875394A (en) 1996-12-27 1999-02-23 At & T Wireless Services Inc. Method of mutual authentication for secure wireless service provision
JPH11252069A (ja) * 1998-03-06 1999-09-17 Fuji Electric Co Ltd 情報機器間の相互認証装置
WO1999046691A1 (en) * 1998-03-09 1999-09-16 Farrell Newton Internet, intranet and other network communication security systems utilizing entrance and exit keys
US6850916B1 (en) * 1998-04-27 2005-02-01 Esignx Corporation Portable electronic charge and authorization devices and methods therefor

Patent Citations (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1989001207A1 (en) * 1986-02-28 1989-02-09 Intellicard International, Inc. A unitary self-contained electronic card and system
JPH06501329A (ja) * 1990-12-24 1994-02-10 モトローラ・インコーポレーテッド 電子ウォレット
WO1997012344A2 (en) * 1995-09-29 1997-04-03 Dallas Semiconductor Corporation Method, apparatus, system and firmware for secure transactions
WO1998025371A1 (en) * 1996-12-04 1998-06-11 Ynjiun Wang Portable electronic authorization devices and methods therefor
WO1998034203A1 (en) * 1997-01-30 1998-08-06 Qualcomm Incorporated Method and apparatus for performing financial transactions using a mobile communication unit
WO1998037524A1 (de) * 1997-06-27 1998-08-27 Swisscom Ag Transaktionsverfahren mit einem mobilgerät
WO1999008238A1 (en) * 1997-08-11 1999-02-18 International Business Machines Corporation A portable information and transaction processing system and method utilizing biometric authorization and digital certificate security

Non-Patent Citations (1)

* Cited by examiner, † Cited by third party
Title
JPN6009041337, ＧＥＥＲ， Ｄａｎｉｅｌ Ｅ． ｅｔ ａｌ．, ""Ｔｏｋｅｎ−Ｍｅｄｉａｔｅｄ Ｃｅｒｔｉｆｉｃａｔｉｏｎ ａｎｄ Ｅｌｅｃｔｒｏｎｉｃ Ｃｏｍｍｅｒｃｅ"", Ｐｒｏｃ． Ｓｅｃｏｎｄ ＵＳＥＮＩＸ Ｗｏｒｋｓｈｏｐ ｏｎ Ｅｌｅｃｔｒｏｎｉｃ Ｃｏｍｍｅｒｃｅ, 19961118 *

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2007537506A (ja) * 2004-04-05 2007-12-20 ペイジー コーポレーション ビー．ヴイ． 価値保存機器として機能する１つの共通の携帯機器を使用して、異なる複数の決済システムにまたがる非接触式決済取引を容易にするシステム及び方法
JP2015501028A (ja) * 2011-10-20 2015-01-08 トラストニック リミテッド 移動端末、処理端末、及び、移動端末を用いて処理端末で処理を実行する方法

Also Published As

Publication number Publication date
WO2000052866A9 (en) 2001-08-30
CN1344396A (zh) 2002-04-10
EP1159700A4 (en) 2009-05-06
JP5050066B2 (ja) 2012-10-17
CA2365644C (en) 2012-09-25
WO2000052866A2 (en) 2000-09-08
JP2010170561A (ja) 2010-08-05
KR100768754B1 (ko) 2007-10-29
EP1159700A2 (en) 2001-12-05
HK1042144A1 (zh) 2002-08-02
AU4004300A (en) 2000-09-21
KR20010108292A (ko) 2001-12-07
CN1344396B (zh) 2010-05-12
US6850916B1 (en) 2005-02-01
CA2365644A1 (en) 2000-09-08
WO2000052866A3 (en) 2000-12-21

Similar Documents

Publication Publication Date Title
JP5050066B2 (ja) 携帯型電子的課金／認証デバイスとその方法
CN1307594C (zh) 付款方法
US7107246B2 (en) Methods of exchanging secure messages
US5917913A (en) Portable electronic authorization devices and methods therefor
KR100953231B1 (ko) 전자 거래 시스템 및 그 방법
AU2008203506B2 (en) Trusted authentication digital signature (TADS) system
US20030014372A1 (en) Trusted authentication digital signature (tads) system
US20040005051A1 (en) Entity authentication in eletronic communications by providing verification status of device
KR20090051147A (ko) 네트 결제 보조장치
US20030070078A1 (en) Method and apparatus for adding security to online transactions using ordinary credit cards
JP2003303310A (ja) 事前登録型電子決済システム、及び事前登録型電子決済プログラム
HK1077386B (en) A method for payment

Legal Events

Date Code Title Description
A521 Request for written amendment filed

Free format text: JAPANESE INTERMEDIATE CODE: A523

Effective date: 20070220

A621 Written request for application examination

Free format text: JAPANESE INTERMEDIATE CODE: A621

Effective date: 20070220

A131 Notification of reasons for refusal

Free format text: JAPANESE INTERMEDIATE CODE: A131

Effective date: 20090818

A601 Written request for extension of time

Free format text: JAPANESE INTERMEDIATE CODE: A601

Effective date: 20091112

A602 Written permission of extension of time

Free format text: JAPANESE INTERMEDIATE CODE: A602

Effective date: 20091119

A02 Decision of refusal

Free format text: JAPANESE INTERMEDIATE CODE: A02

Effective date: 20100511