JP2015508541A - ポータブルコンピューティングデバイスを使用して安全なオフライン支払いトランザクションを行うためのシステムおよび方法 - Google Patents

ポータブルコンピューティングデバイスを使用して安全なオフライン支払いトランザクションを行うためのシステムおよび方法 Download PDF

Info

Publication number
JP2015508541A
JP2015508541A JP2014552198A JP2014552198A JP2015508541A JP 2015508541 A JP2015508541 A JP 2015508541A JP 2014552198 A JP2014552198 A JP 2014552198A JP 2014552198 A JP2014552198 A JP 2014552198A JP 2015508541 A JP2015508541 A JP 2015508541A
Authority
JP
Japan
Prior art keywords
digital signature
payment request
consumer
merchant
pcd
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
JP2014552198A
Other languages
English (en)
Japanese (ja)
Other versions
JP2015508541A5 (enExample
Inventor
ジョン・アゼン
ホセ・メネンデス
エリック・クラール
グレッグ・ローズ
Original Assignee
クアルコム，インコーポレイテッド
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 クアルコム，インコーポレイテッド filed Critical クアルコム，インコーポレイテッド
Publication of JP2015508541A publication Critical patent/JP2015508541A/ja
Publication of JP2015508541A5 publication Critical patent/JP2015508541A5/ja
Pending legal-status Critical Current

Links

Images

Classifications

    • 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
    • G06Q20/3272—Short range or proximity payments by means of M-devices using an audio code
    • 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
    • G06Q20/20—Point-of-sale [POS] network systems
    • 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
    • G06Q20/3278—RFID or NFC 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3825—Use of electronic signatures

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Computer Security & Cryptography (AREA)
  • Cash Registers Or Receiving Machines (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)
JP2014552198A 2012-01-12 2012-12-13 ポータブルコンピューティングデバイスを使用して安全なオフライン支払いトランザクションを行うためのシステムおよび方法 Pending JP2015508541A (ja)

Applications Claiming Priority (5)

Application Number Priority Date Filing Date Title
US201261585714P 2012-01-12 2012-01-12
US61/585,714 2012-01-12
US13/363,592 US20130185214A1 (en) 2012-01-12 2012-02-01 System and Method For Secure Offline Payment Transactions Using A Portable Computing Device
US13/363,592 2012-02-01
PCT/US2012/069420 WO2013106159A1 (en) 2012-01-12 2012-12-13 System and method for secure offline payment transactions using a portable computing device

Publications (2)

Publication Number Publication Date
JP2015508541A true JP2015508541A (ja) 2015-03-19
JP2015508541A5 JP2015508541A5 (enExample) 2016-01-21

Family

ID=48780680

Family Applications (1)

Application Number Title Priority Date Filing Date
JP2014552198A Pending JP2015508541A (ja) 2012-01-12 2012-12-13 ポータブルコンピューティングデバイスを使用して安全なオフライン支払いトランザクションを行うためのシステムおよび方法

Country Status (7)

Country Link
US (1) US20130185214A1 (enExample)
EP (1) EP2803023A1 (enExample)
JP (1) JP2015508541A (enExample)
KR (1) KR20140111033A (enExample)
CN (1) CN104169954A (enExample)
IN (1) IN2014MN01590A (enExample)
WO (1) WO2013106159A1 (enExample)

Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2017513141A (ja) * 2014-04-10 2017-05-25 フージェン ランディー コマーシャル イクイップメント カンパニー リミテッドＦｕｊｉａｎ Ｌａｎｄｉ Ｃｏｍｍｅｒｃｉａｌ Ｅｑｕｉｐｍｅｎｔ Ｃｏ．，Ｌｔｄ Ｐｏｓターミナル、音波を利用した決済システム及び方法
JP2018518749A (ja) * 2015-05-13 2018-07-12 ソニー株式会社 仮想通貨手段の認証のための方法及び仮想通貨手段の認証のためのシステム
JP2018530275A (ja) * 2015-08-19 2018-10-11 サウンドペイズ・インコーポレイテッド オーディオ信号媒介相互作用のシステムおよび方法
CN109716372A (zh) * 2016-08-19 2019-05-03 谷歌有限责任公司 通过接近感测的分接和配对

Families Citing this family (93)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20050229003A1 (en) 2004-04-09 2005-10-13 Miles Paschini System and method for distributing personal identification numbers over a computer network
US7401224B2 (en) * 2002-05-15 2008-07-15 Qualcomm Incorporated System and method for managing sonic token verifiers
US10205721B2 (en) 2002-12-10 2019-02-12 Ewi Holdings, Inc. System and method for distributing personal identification numbers over a computer network
WO2004107280A2 (en) 2003-05-28 2004-12-09 Ewi Holdings, Inc. System and method for electronic prepaid account replenishment
US12260396B2 (en) 2010-01-08 2025-03-25 Blackhawk Network, Inc. System for payment via electronic wallet
US11475436B2 (en) 2010-01-08 2022-10-18 Blackhawk Network, Inc. System and method for providing a security code
US7280644B2 (en) 2004-12-07 2007-10-09 Ewi Holdings, Inc. Transaction processing platform for faciliating electronic distribution of plural prepaid services
US11599873B2 (en) 2010-01-08 2023-03-07 Blackhawk Network, Inc. Systems and methods for proxy card and/or wallet redemption card transactions
US10296895B2 (en) 2010-01-08 2019-05-21 Blackhawk Network, Inc. System for processing, activating and redeeming value added prepaid cards
EP2521999A4 (en) 2010-01-08 2015-01-07 Blackhawk Network Inc SYSTEM FOR PROCESSING, ENABLING AND REIMBURSING PREPAID CARDS WITH ADDED VALUE
US10037526B2 (en) * 2010-01-08 2018-07-31 Blackhawk Network, Inc. System for payment via electronic wallet
EP2601632B1 (en) 2010-08-27 2025-10-01 Blackhawk Network, Inc. Prepaid card with savings feature
US20130080333A1 (en) * 2011-09-27 2013-03-28 Oleksandr Kamotskyy Electronic wallet using allocation of funds
US10395223B2 (en) 2012-03-07 2019-08-27 Early Warning Services, Llc System and method for transferring funds
US10395247B2 (en) 2012-03-07 2019-08-27 Early Warning Services, Llc Systems and methods for facilitating a secure transaction at a non-financial institution system
US9691056B2 (en) 2012-03-07 2017-06-27 Clearxchange, Llc System and method for transferring funds
US11593800B2 (en) 2012-03-07 2023-02-28 Early Warning Services, Llc System and method for transferring funds
US11042870B2 (en) 2012-04-04 2021-06-22 Blackhawk Network, Inc. System and method for using intelligent codes to add a stored-value card to an electronic wallet
US20140081856A1 (en) * 2012-09-14 2014-03-20 Bank Of America Corporation Gift card association with account and user customization
CN102932146B (zh) * 2012-10-08 2015-06-17 天地融科技股份有限公司 一种电子签名工具及系统
CA2885841A1 (en) * 2012-10-09 2014-04-17 Electronic Payment Exchange Real-time authorization interchange surcharge
EP2923325A4 (en) 2012-11-20 2016-08-17 Blackhawk Network Inc SYSTEM AND METHOD FOR USING INTELLIGENT CODES IN CONNECTION WITH MEMORY VALUE CARDS
US20140208105A1 (en) * 2013-01-23 2014-07-24 GILBARCO, S.r.I. Automated Content Signing for Point-of-Sale Applications in Fuel Dispensing Environments
US10192214B2 (en) 2013-03-11 2019-01-29 Google Llc Pending deposit for payment processing system
US20140279101A1 (en) * 2013-03-15 2014-09-18 Clinkle Corporation Distance factor based mobile device selection
GB2514780A (en) * 2013-06-03 2014-12-10 Mastercard International Inc Methods and apparatus for performing local transactions
US20150032636A1 (en) * 2013-07-29 2015-01-29 WCW Innovation, LLC Dissociative Payment Transaction And Receipt System And Methods Of Using Same
EA201690882A1 (ru) 2013-10-30 2016-11-30 Джилбарко Инк. Криптографическая отметка водяным знаком содержимого в топливораздаточном оборудовании
KR102129594B1 (ko) 2013-10-30 2020-07-03 애플 인크. 관련 사용자 인터페이스 객체를 표시
US20150278795A1 (en) * 2014-03-26 2015-10-01 Google Inc. Secure offline payment system
CA2943810A1 (en) * 2014-03-26 2015-10-01 Google Inc. Secure offline payment system
US9785940B2 (en) * 2014-03-27 2017-10-10 Bank of the Ozarks System and method for distributed real time authorization of payment transactions
CN106462850A (zh) * 2014-04-16 2017-02-22 维萨国际服务协会 支付凭证的安全传输
CN103984911B (zh) * 2014-05-05 2016-08-17 福建联迪商用设备有限公司 密码键盘、支付系统及其支付方法
US10475026B2 (en) 2014-05-16 2019-11-12 International Business Machines Corporation Secure management of transactions using a smart/virtual card
US9324067B2 (en) 2014-05-29 2016-04-26 Apple Inc. User interface for payments
US10990941B1 (en) 2014-08-15 2021-04-27 Jpmorgan Chase Bank, N.A. Systems and methods for facilitating payments
WO2016036552A1 (en) 2014-09-02 2016-03-10 Apple Inc. User interactions for a mapping application
US10311439B2 (en) * 2014-10-15 2019-06-04 Paypal, Inc. Systems and methods for facilitating offline payments
CN204650536U (zh) * 2014-11-27 2015-09-16 中国银联股份有限公司 Pos终端以及包括其的支付系统
CN104901806B (zh) * 2014-12-29 2016-06-22 腾讯科技（深圳）有限公司 一种虚拟资源处理方法、装置和系统
CN104573139A (zh) * 2015-01-21 2015-04-29 胡涛 一种信息记录方法
US10547444B2 (en) * 2015-02-17 2020-01-28 Visa International Service Association Cloud encryption key broker apparatuses, methods and systems
US10963881B2 (en) * 2015-05-21 2021-03-30 Mastercard International Incorporated Method and system for fraud control of blockchain-based transactions
US9940637B2 (en) * 2015-06-05 2018-04-10 Apple Inc. User interface for loyalty accounts and private label accounts
US20160358133A1 (en) 2015-06-05 2016-12-08 Apple Inc. User interface for loyalty accounts and private label accounts for a wearable device
US11386410B2 (en) 2015-07-21 2022-07-12 Early Warning Services, Llc Secure transactions with offline device
WO2017024188A1 (en) * 2015-08-05 2017-02-09 Alibaba Group Holding Limited Method and apparatus for service authentication cross-reference to related applications
CN106447323A (zh) * 2015-08-05 2017-02-22 阿里巴巴集团控股有限公司 业务验证方法及装置
US9769607B2 (en) * 2015-09-24 2017-09-19 Cisco Technology, Inc. Determining proximity of computing devices using ultrasonic audio signatures
GB2544109A (en) * 2015-11-06 2017-05-10 Visa Europe Ltd Transaction authorisation
US20170140358A1 (en) * 2015-11-18 2017-05-18 Andrew Orrock Network Bridge for Local Transaction Authorization
US10423957B2 (en) * 2015-11-23 2019-09-24 Mastercard International Incorporated Systems and methods using an authentication and payment processing platform
ES3035708T3 (en) * 2015-12-15 2025-09-08 Walter Hanke Mech Werkstaetten Gmbh & Co Kg System for cashless payment for products or services
US11049096B2 (en) * 2015-12-31 2021-06-29 Paypal, Inc. Fault tolerant token based transaction systems
JP6807929B2 (ja) * 2016-03-01 2021-01-06 グーグル エルエルシーＧｏｏｇｌｅ ＬＬＣ ハンズフリー決済の直接清算
AU2017231106B2 (en) * 2016-03-08 2023-01-19 Royal Bank Of Canada Systems, methods, and devices for secure generation and processing of data sets representing pre-funded payments
CN105913253A (zh) * 2016-03-25 2016-08-31 天地融科技股份有限公司 一种电子签名设备的交易方法、交易系统和电子签名设备
KR101766303B1 (ko) * 2016-04-19 2017-08-08 주식회사 코인플러그 인증 정보의 생성, 등록, 파기 방법 및 인증 지원 서버
US11017394B2 (en) * 2016-04-25 2021-05-25 Visa International Service Association System for vision impaired users to execute electronic transactions
KR101780635B1 (ko) * 2016-04-28 2017-09-21 주식회사 코인플러그 인증 정보의 생성, 등록, 파기 방법 및 인증 지원 서버
US10333705B2 (en) 2016-04-30 2019-06-25 Civic Technologies, Inc. Methods and apparatus for providing attestation of information using a centralized or distributed ledger
CN106911658B (zh) 2016-06-07 2021-08-06 创新先进技术有限公司 数据的传输方法、数据发送端、数据接收端及系统
US11580608B2 (en) 2016-06-12 2023-02-14 Apple Inc. Managing contact information for communication applications
CN106875186B (zh) 2016-06-20 2020-07-24 阿里巴巴集团控股有限公司 一种离线支付方法和装置
US20170372306A1 (en) * 2016-06-27 2017-12-28 Samsung Electronics Co., Ltd. Payment by mobile device secured by f-puf
WO2018046103A1 (en) * 2016-09-10 2018-03-15 Swiss Reinsurance Company Ltd. Secure key management and peer-to-peer transmission system with a controlled, double-tier cryptographic key structure and corresponding method thereof
CN111541728B (zh) * 2016-09-20 2023-10-10 徐蔚 一种运用支付标记的支付方法、装置与移动终端
WO2018128581A1 (en) * 2017-01-06 2018-07-12 Aimazing Pte Ltd A transaction management method
US10521793B2 (en) 2017-01-12 2019-12-31 BBPOS Limited System and method to protect privacy of personal-identification-number entry on consumer mobile device and computing apparatus
US11210670B2 (en) 2017-02-28 2021-12-28 Early Warning Services, Llc Authentication and security for mobile-device transactions
CN110521145B (zh) 2017-04-10 2021-08-24 谷歌有限责任公司 对于任何发声设备的移动服务请求
SG11201909589SA (en) * 2017-04-19 2019-11-28 Visa Int Service Ass System, method, and apparatus for conducting a secure transaction using a remote point-of-sale system
WO2018200011A1 (en) * 2017-04-24 2018-11-01 Google Inc. Pairing computing devices via audio communication channels
US11966912B2 (en) * 2017-06-26 2024-04-23 Auctane, Inc. System and method for cryptographic-chain-based verification of postage transaction records
JP7223753B2 (ja) * 2017-07-03 2023-02-16 ジーピー ネットワーク アジア ピーティーイー． リミテッド 支払処理
US11651358B2 (en) * 2017-07-25 2023-05-16 Mastercard International Incorporated Method and system for transaction processing with complete cryptographic auditability
US11403627B2 (en) * 2017-08-03 2022-08-02 Liquineq AG System and method for conducting and securing transactions when blockchain connection is unreliable
US10963861B2 (en) * 2017-09-15 2021-03-30 Jpmorgan Chase Bank, N.A. Mobile-based electronic payment solution using sound transmission between parties in proximity
EP3486852A3 (de) * 2017-11-15 2019-08-07 Rubean AG Verfahren und anordnung zum auslösen einer elektronischen zahlung
SG10201803203TA (en) 2018-04-17 2019-11-28 Mastercard International Inc Server and method for sending a transaction receipt via a push notification
US11423367B2 (en) * 2018-05-02 2022-08-23 Mastercard Internatioanl Incorporated Method and system for securing transactions by check using blockchain technology
SG11202102793WA (en) * 2018-09-28 2021-04-29 Visa Int Service Ass System, method, and computer program product for secure, remote transaction authentication and settlement
US20200235930A1 (en) * 2019-01-23 2020-07-23 Volkswagen Ag Transportation vehicle transactional security authentication
DK201970531A1 (en) 2019-05-06 2021-07-09 Apple Inc Avatar integration with multiple applications
US11477609B2 (en) 2019-06-01 2022-10-18 Apple Inc. User interfaces for location-related communications
US11481094B2 (en) 2019-06-01 2022-10-25 Apple Inc. User interfaces for location-related communications
US10839371B1 (en) 2019-07-08 2020-11-17 Capital One Services, Llc Contactless card tap pay for offline transactions
US11151575B2 (en) 2019-07-09 2021-10-19 Bank Of America Corporation Trusted pair authentication with edge-computing devices
CN111192057B (zh) * 2019-12-31 2021-10-15 网联清算有限公司 支付处理方法、装置及系统
FR3116407B1 (fr) * 2020-11-13 2023-11-17 Banks And Acquirers Int Holding Procédé de traitement d’une opération impliquant des données secrètes, terminal, système et programme d’ordinateur correspondant
US12499427B2 (en) 2021-08-31 2025-12-16 Early Warning Services, Llc Direct electronic bill payment with real-time funds availability
CN113947410A (zh) * 2021-10-27 2022-01-18 孩子王儿童用品股份有限公司 一种支付方法、装置及设备

Citations (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JPH10307885A (ja) * 1997-03-06 1998-11-17 N T T Data:Kk 電子マネーシステム、電子マネーカード、電子マネー取引方法及び記録媒体
JP2004102527A (ja) * 2002-09-06 2004-04-02 Nippon Telegr & Teleph Corp <Ntt> 匿名決済方法及びシステム及び匿名決済プログラム
JP2004512607A (ja) * 2000-10-18 2004-04-22 ウルトラ　プロイズヴォドニャ　エレクトロンスキ　ナプラウ　デー．オー．オー． 支払いデータ交換システム及びそのシステムにて用いられる支払い端末装置
JP2005010964A (ja) * 2003-06-18 2005-01-13 Dainippon Printing Co Ltd 携帯通信端末を用いた決済システム
JP2005115876A (ja) * 2003-10-10 2005-04-28 Kenichi Oga 携帯端末を利用した決済処理システム、店舗装置、サーバ、携帯端末
JP2007234059A (ja) * 1996-11-14 2007-09-13 Matsushita Electric Ind Co Ltd パーソナル電子決済システム
JP2010541036A (ja) * 2007-09-12 2010-12-24 ディヴァイスフィデリティ、インク 金融取引のワイヤレス実行

Family Cites Families (12)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5892900A (en) * 1996-08-30 1999-04-06 Intertrust Technologies Corp. Systems and methods for secure transaction management and electronic rights protection
US5613004A (en) * 1995-06-07 1997-03-18 The Dice Company Steganographic method and device
JP2002527012A (ja) * 1998-10-02 2002-08-20 コムセンス・テクノロジーズ・リミテッド コンピュータとの相互作用のためのカード
US6327578B1 (en) * 1998-12-29 2001-12-04 International Business Machines Corporation Four-party credit/debit payment protocol
US7606760B2 (en) * 1999-06-18 2009-10-20 Echarge Corporation Method and apparatus for ordering goods, services and content over an internetwork using a virtual payment account
DE59904253D1 (de) * 1999-10-25 2003-03-13 Swisscom Mobile Ag Zahlungstransaktionsverfahren und zahlungstransaktionssystem
IL138109A (en) * 2000-08-27 2009-11-18 Enco Tone Ltd Method and devices for digitally signing files, using a mobile device
ATE253745T1 (de) * 2002-03-18 2003-11-15 Ubs Ag Sichere benutzer- und datenauthenifizierung über ein kommunikationsnetzwerk
IL176262A0 (en) * 2006-06-12 2006-10-05 Cidway Technologies Ltd Secure and friendly payment system
US20090094126A1 (en) * 2007-10-03 2009-04-09 Patrick Killian Dual use point of sale terminal and methods of operating same
CN101727712B (zh) * 2008-10-16 2012-10-31 中国银联股份有限公司 一种电子现金的转账方法
KR101807764B1 (ko) * 2010-12-31 2018-01-19 주식회사 케이티 금융 서비스 제공 방법 및 시스템

Patent Citations (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2007234059A (ja) * 1996-11-14 2007-09-13 Matsushita Electric Ind Co Ltd パーソナル電子決済システム
JPH10307885A (ja) * 1997-03-06 1998-11-17 N T T Data:Kk 電子マネーシステム、電子マネーカード、電子マネー取引方法及び記録媒体
JP2004512607A (ja) * 2000-10-18 2004-04-22 ウルトラ　プロイズヴォドニャ　エレクトロンスキ　ナプラウ　デー．オー．オー． 支払いデータ交換システム及びそのシステムにて用いられる支払い端末装置
JP2004102527A (ja) * 2002-09-06 2004-04-02 Nippon Telegr & Teleph Corp <Ntt> 匿名決済方法及びシステム及び匿名決済プログラム
JP2005010964A (ja) * 2003-06-18 2005-01-13 Dainippon Printing Co Ltd 携帯通信端末を用いた決済システム
JP2005115876A (ja) * 2003-10-10 2005-04-28 Kenichi Oga 携帯端末を利用した決済処理システム、店舗装置、サーバ、携帯端末
JP2010541036A (ja) * 2007-09-12 2010-12-24 ディヴァイスフィデリティ、インク 金融取引のワイヤレス実行

Cited By (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2017513141A (ja) * 2014-04-10 2017-05-25 フージェン ランディー コマーシャル イクイップメント カンパニー リミテッドＦｕｊｉａｎ Ｌａｎｄｉ Ｃｏｍｍｅｒｃｉａｌ Ｅｑｕｉｐｍｅｎｔ Ｃｏ．，Ｌｔｄ Ｐｏｓターミナル、音波を利用した決済システム及び方法
JP2018518749A (ja) * 2015-05-13 2018-07-12 ソニー株式会社 仮想通貨手段の認証のための方法及び仮想通貨手段の認証のためのシステム
US11301841B2 (en) 2015-05-13 2022-04-12 Sony Corporation Method and system for authenticating a virtual currency instrument
JP2018530275A (ja) * 2015-08-19 2018-10-11 サウンドペイズ・インコーポレイテッド オーディオ信号媒介相互作用のシステムおよび方法
CN109716372A (zh) * 2016-08-19 2019-05-03 谷歌有限责任公司 通过接近感测的分接和配对
JP2019528529A (ja) * 2016-08-19 2019-10-10 グーグル エルエルシー 近接感知によるタップアンドペア

Also Published As

Publication number Publication date
IN2014MN01590A (enExample) 2015-05-08
CN104169954A (zh) 2014-11-26
WO2013106159A1 (en) 2013-07-18
KR20140111033A (ko) 2014-09-17
US20130185214A1 (en) 2013-07-18
EP2803023A1 (en) 2014-11-19

Similar Documents

Publication Publication Date Title
JP2015508541A (ja) ポータブルコンピューティングデバイスを使用して安全なオフライン支払いトランザクションを行うためのシステムおよび方法
US12182792B2 (en) Systems and methods for using a transaction identifier to protect sensitive credentials
US11895095B2 (en) Real-time authentication and authorization based on dynamically generated cryptographic data
US11978051B2 (en) Authenticating remote transactions using a mobile device
US10990971B2 (en) Non-intrusive geo-location determination associated with transaction authorization
US11587067B2 (en) Digital wallet system and method
US20230385784A1 (en) Telecommunication Systems and Methods for Broker-Mediated Payment
US10268810B2 (en) Methods, apparatus and systems for securely authenticating a person depending on context
RU2769946C2 (ru) Система безопасных удаленных транзакций с использованием мобильных устройств
US20130246272A1 (en) Secure mobile transactions
US20120246071A1 (en) System and method for presentment of nonconfidential transaction token identifier
US20090063312A1 (en) Method and System for Processing Secure Wireless Payment Transactions and for Providing a Virtual Terminal for Merchant Processing of Such Transactions
US20130110658A1 (en) Systems and methods for enabling mobile payments
CA2994856C (en) Real-time authorization of initiated data exchanges based on tokenized data having limited temporal or geographic validity
US20120278236A1 (en) System and method for presentment of nonconfidential transaction token identifier
US12008570B2 (en) Systems and methods for intelligent step-up for access control systems
WO2019203982A2 (en) Server and method for sending a transaction receipt via a push notification
KR20180135007A (ko) 액세스 크리덴셜 관리 디바이스
CN113015990A (zh) 用于安全远程交易认证和结算的系统、方法和计算机程序产品
KR20110107311A (ko) 모바일 네트워크를 이용한 결제 서비스 시스템 및 그 방법, 그리고 이를 위한 컴퓨터 프로그램
CA2993577A1 (en) Real-time authentication and authorization based on dynamically generated cryptographic data

Legal Events

Date Code Title Description
A521 Request for written amendment filed

Free format text: JAPANESE INTERMEDIATE CODE: A523

Effective date: 20151120

A621 Written request for application examination

Free format text: JAPANESE INTERMEDIATE CODE: A621

Effective date: 20151120

A977 Report on retrieval

Free format text: JAPANESE INTERMEDIATE CODE: A971007

Effective date: 20161118

A131 Notification of reasons for refusal

Free format text: JAPANESE INTERMEDIATE CODE: A131

Effective date: 20161205

A521 Request for written amendment filed

Free format text: JAPANESE INTERMEDIATE CODE: A523

Effective date: 20170301

A02 Decision of refusal

Free format text: JAPANESE INTERMEDIATE CODE: A02

Effective date: 20170724