MX2011004338A - Sistema y metodo de transaccion de pago electronico, en particular al usar un medio de pago sin contacto. - Google Patents

Sistema y metodo de transaccion de pago electronico, en particular al usar un medio de pago sin contacto.

Info

Publication number
MX2011004338A
MX2011004338A MX2011004338A MX2011004338A MX2011004338A MX 2011004338 A MX2011004338 A MX 2011004338A MX 2011004338 A MX2011004338 A MX 2011004338A MX 2011004338 A MX2011004338 A MX 2011004338A MX 2011004338 A MX2011004338 A MX 2011004338A
Authority
MX
Mexico
Prior art keywords
payment
card
file
payment transaction
arpc
Prior art date
Application number
MX2011004338A
Other languages
English (en)
Inventor
Miroslav Florek
Michal Masaryk
Original Assignee
Logomotion Sro
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 Logomotion Sro filed Critical Logomotion Sro
Publication of MX2011004338A publication Critical patent/MX2011004338A/es

Links

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
    • G06Q20/20—Point-of-sale [POS] network 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
    • G06Q20/30—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
    • G06Q20/34—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
    • G06Q20/343—Cards including a counter
    • 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
    • G06Q20/34—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
    • G06Q20/352—Contactless payments by cards
    • 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
    • G06Q20/34—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
    • G06Q20/357—Cards having a plurality of specified features
    • G06Q20/3574—Multiple applications on card
    • 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
    • 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
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
    • G06Q20/425—Confirmation, e.g. check or permission by the legal debtor of payment using two different networks, one for transaction and one for security confirmation
    • 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
    • G06Q30/00—Commerce
    • G06Q30/04—Billing or invoicing

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Computer Security & Cryptography (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

Un método de transacción de pago electrónico se caracteriza por el hecho de que durante el procesamiento de una transacción de pago, se interrumpe un enlace de comunicación (3) entre la tarjeta (1) y la terminal (2) y es recibido el archivo de respuesta ARPC a la tarjeta (1) después de que se interrumpe el enlace de comunicación original (5). Se separan dos fases por un reinicio de la tarjeta (1) donde se utilizan en los datos de pago inicial de segunda fase (ARQC). El archivo de pago ARQC electrónicamente firmado se almacena en la memoria de la tarjeta (1) por lo menos hasta que el archivo de respuesta ARPC de tiempo correspondiente se reciba y se procese. La solución permite reemplazar el teléfono móvil con una tarjeta de pago (1) cerca al lector de la terminal (2) dos veces. La primera vez, se genera una petición para la autorización en línea y durante el segundo toque la información del procesador de pago (5) se registra en la aplicación de pago.
MX2011004338A 2009-04-24 2010-04-23 Sistema y metodo de transaccion de pago electronico, en particular al usar un medio de pago sin contacto. MX2011004338A (es)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
SK50024-2009A SK288747B6 (sk) 2009-04-24 2009-04-24 Spôsob a systém bezhotovostnej platobnej transakcie, najmä s použitím bezkontaktného platobného prostriedku
PCT/IB2010/051779 WO2010122520A2 (en) 2009-04-24 2010-04-23 Method and system of electronic payment transaction, in particular by using contactless payment means

Publications (1)

Publication Number Publication Date
MX2011004338A true MX2011004338A (es) 2011-10-05

Family

ID=43011542

Family Applications (1)

Application Number Title Priority Date Filing Date
MX2011004338A MX2011004338A (es) 2009-04-24 2010-04-23 Sistema y metodo de transaccion de pago electronico, en particular al usar un medio de pago sin contacto.

Country Status (13)

Country Link
US (1) US8500008B2 (es)
EP (1) EP2449512A2 (es)
JP (1) JP5994996B2 (es)
KR (1) KR101709099B1 (es)
CN (1) CN102640176B (es)
AU (1) AU2010240543B2 (es)
BR (1) BRPI1014882B1 (es)
CA (1) CA2739809C (es)
MX (1) MX2011004338A (es)
RU (1) RU2543938C2 (es)
SK (1) SK288747B6 (es)
WO (1) WO2010122520A2 (es)
ZA (1) ZA201108238B (es)

Families Citing this family (34)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US9047601B2 (en) * 2006-09-24 2015-06-02 RFCyber Corpration Method and apparatus for settling payments using mobile devices
RU2532732C2 (ru) 2008-08-29 2014-11-10 Логомотион, С.Р.О. Сменная карта для беспроводной коммуникации, способ ее изготовления и ее применение
US9098845B2 (en) 2008-09-19 2015-08-04 Logomotion, S.R.O. Process of selling in electronic shop accessible from the mobile communication device
SK288641B6 (sk) 2008-10-15 2019-02-04 Smk Corporation Spôsob komunikácie s POS terminálom, frekvenčný konventor k POS terminálu
BRPI1014461B1 (pt) 2009-05-03 2020-10-13 Logomotion, S.R.O terminal de pagamento que utiliza um dispositivo de comunicação móvel
US8955747B2 (en) * 2009-06-23 2015-02-17 At&T Mobility Ii Llc Devices, systems and methods for wireless point-of-sale
US9189786B2 (en) * 2010-03-31 2015-11-17 Mastercard International Incorporated Systems and methods for operating transaction terminals
US20120136796A1 (en) * 2010-09-21 2012-05-31 Ayman Hammad Device Enrollment System and Method
US10147077B2 (en) * 2010-09-21 2018-12-04 Mastercard International Incorporated Financial transaction method and system having an update mechanism
GB2484717B (en) * 2010-10-21 2018-06-13 Advanced Risc Mach Ltd Security provision for a subject image displayed in a non-secure domain
AU2010363671B2 (en) 2010-11-10 2014-11-27 Einnovations Holdings Pte. Ltd. Method of performing a financial transaction via unsecured public telecommunication infrastructure and an apparatus for same
US8744974B2 (en) 2011-03-12 2014-06-03 Mocapay, Inc. Systems and methods for secure wireless payment transactions when a wireless network is unavailable
US20130179352A1 (en) * 2011-03-12 2013-07-11 Mocapay, Inc. Secure wireless transactions when a wireless network is unavailable
US20120310756A1 (en) * 2011-06-06 2012-12-06 Sarvatra Technologies Pvt Ltd. System and method for displaying user's signature on pos terminals
US11049110B2 (en) * 2011-06-17 2021-06-29 Zelis Payments, Llc Healthcare transaction facilitation platform apparatuses, methods and systems
CN102880958B (zh) * 2011-07-13 2016-08-10 中国银联股份有限公司 数据处理及存储装置
US9524499B2 (en) 2011-09-28 2016-12-20 Paypal, Inc. Systems, methods, and computer program products providing electronic communication during transactions
US20130138517A1 (en) * 2011-11-30 2013-05-30 Infosys Limited Method and system for integrating wireless devices with existing point of sale systems
EP4131113A1 (en) 2012-02-29 2023-02-08 Apple Inc. Method, device and secure element for conducting a secured financial transaction on a device
US9818091B2 (en) 2012-07-27 2017-11-14 Wal-Mart Stores, Inc. Barcode transferring receipt data to a computing device of a customer
US8783438B2 (en) 2012-11-30 2014-07-22 Heb Grocery Company, L.P. Diverter arm for retail checkstand and retail checkstands and methods incorporating same
CN105051758B (zh) * 2013-03-26 2018-03-27 邵通 一种非接触电子钱包装置和支付方法
GB2533333A (en) 2014-12-16 2016-06-22 Visa Europe Ltd Transaction authorisation
CN105590200A (zh) * 2015-03-11 2016-05-18 中国银联股份有限公司 用于移动近场支付的数据传输方法及用户设备
CN105590208A (zh) 2015-03-24 2016-05-18 中国银联股份有限公司 具备脱机交易通知功能的移动终端以及通知方法
CN104933565B (zh) * 2015-06-05 2019-04-05 中国银行股份有限公司 一种ic卡交易方法及系统
US20170103396A1 (en) * 2015-10-13 2017-04-13 Mastercard International Incorporated Adaptable messaging
US10073962B2 (en) 2016-04-01 2018-09-11 Visa International Service Association System and method employing reduced time device processing
WO2019083954A1 (en) * 2017-10-23 2019-05-02 Notarize, Inc. SYSTEM AND METHOD FOR AUTOMATIC RECOVERY OF ONLINE NOTARIZATION APPOINTMENTS
JP6403910B1 (ja) * 2018-02-16 2018-10-10 株式会社コナミアミューズメント サービス提供システム、及びそれに用いるコンピュータプログラム
CN110060049A (zh) * 2018-11-30 2019-07-26 阿里巴巴集团控股有限公司 支付方法、装置及设备
EP3699847A1 (en) * 2019-02-22 2020-08-26 Mastercard International Incorporated Transaction system data management
US11227280B2 (en) * 2019-03-25 2022-01-18 Capital One Services, Llc Systems and methods for increased efficiency and reliability of contactless card transactions
US11687930B2 (en) * 2021-01-28 2023-06-27 Capital One Services, Llc Systems and methods for authentication of access tokens

Family Cites Families (147)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP0704928A3 (en) 1994-09-30 1998-08-05 HID Corporation RF transponder system with parallel resonant interrogation and series resonant response
US5574470A (en) 1994-09-30 1996-11-12 Palomar Technologies Corporation Radio frequency identification transponder apparatus and method
PT870222E (pt) * 1995-08-21 2002-10-31 Cornel Sirbu Dispositivo e processo de acesso condicional
EP0831433A1 (en) * 1996-09-24 1998-03-25 Koninklijke KPN N.V. Method of making recoverable smart card transactions, a method of recovering such a transaction, as well as a smart card allowing recoverable transactions
EP0851396A1 (en) * 1996-12-23 1998-07-01 Koninklijke KPN N.V. System for increasing a value of an electronic payment card
US6450407B1 (en) * 1998-04-17 2002-09-17 Viztec, Inc. Chip card rebate system
FR2779896B1 (fr) 1998-06-15 2000-10-13 Sfr Sa PROCEDE POUR PAYER A DISTANCE, AU MOYEN D'UN RADIOTELEPHONIQUE MOBILE, l'ACQUISITION D'UN BIEN ET/OU D'UN SERVICE ET SYSTEME ET RADIOTELEPHONE MOBILE CORRESPONDANTS
FR2784483B1 (fr) * 1998-10-13 2000-12-29 Innovatron Electronique Procede d'echange de donnees entre un automate et un objet portatif, notamment une carte a microcircuit, susceptible d'etre debite par l'automate en contrepartie de la delivrance d'un bien ou d'un service
JP2000187688A (ja) * 1998-12-22 2000-07-04 Oki Electric Ind Co Ltd 価値転送システム
US6615243B1 (en) * 1999-04-01 2003-09-02 Thomson Licensing S.A. System and method for programming and transmitting macros for controlling audio/video devices
US7461010B2 (en) * 1999-09-13 2008-12-02 Khai Hee Kwan Computer network method for conducting payment over a network by debiting and crediting telecommunication accounts
GB2357618A (en) * 1999-12-23 2001-06-27 Nokia Mobile Phones Ltd Transaction system
KR100366060B1 (ko) * 2000-03-16 2002-12-28 주식회사 하렉스인포텍 광지불송수신장치 및 이를 이용한 광결제시스템
JP5160003B2 (ja) * 2000-05-10 2013-03-13 ソニー株式会社 決済管理装置，プログラム，記憶媒体，管理方法，クライアント装置，処理方法，およびデータ記憶装置
KR20020012738A (ko) 2000-08-08 2002-02-20 김재명 개인 휴대전화 사용자 메뉴 정의 기능
US20020038287A1 (en) * 2000-08-30 2002-03-28 Jean-Marc Villaret EMV card-based identification, authentication, and access control for remote access
US7103575B1 (en) * 2000-08-31 2006-09-05 International Business Machines Corporation Enabling use of smart cards by consumer devices for internet commerce
ATE296470T1 (de) * 2000-10-18 2005-06-15 Ultra Proizv Elektronskih Napr System zum bezahldatenaustausch und dazu benutztes zahlungsendgerät
US7318049B2 (en) * 2000-11-17 2008-01-08 Gregory Fx Iannacci System and method for an automated benefit recognition, acquisition, value exchange, and transaction settlement system using multivariable linear and nonlinear modeling
KR20020051696A (ko) 2000-12-23 2002-06-29 구자홍 외장형 키보드 단말기의 매크로 설정 방법
JP2002251524A (ja) * 2001-02-23 2002-09-06 Sony Corp 通信システム，カード，管理サーバ，通信方法，プログラム，および，プログラムを記録した記録媒体
US20030055738A1 (en) * 2001-04-04 2003-03-20 Microcell I5 Inc. Method and system for effecting an electronic transaction
US20020163479A1 (en) 2001-05-04 2002-11-07 Wei-Kang Lin Printed radio frequency sensing cards and fabricating methods therefor
DE10130019A1 (de) 2001-06-25 2003-01-09 Scm Microsystems Gmbh Chipkartenleseeinrichtung
EP1412890A4 (en) 2001-07-30 2004-11-24 C Sam Inc SYSTEM FOR DISTRIBUTING AND USING VIRTUAL STORED VALUE CARDS
US7197167B2 (en) * 2001-08-02 2007-03-27 Avante International Technology, Inc. Registration apparatus and method, as for voting
US6694045B2 (en) * 2002-01-23 2004-02-17 Amerasia International Technology, Inc. Generation and verification of a digitized signature
JP2003124429A (ja) 2001-10-15 2003-04-25 Matsushita Electric Ind Co Ltd モジュール部品
JP2003131808A (ja) 2001-10-22 2003-05-09 Hideaki Sakamoto バーコード読み取り装置付きマウスの構造と利用方法
KR100420600B1 (ko) * 2001-11-02 2004-03-02 에스케이 텔레콤주식회사 아이알에프엠을 이용한 이엠브이 지불 처리방법
HU224788B1 (hu) * 2002-02-07 2006-02-28 Enigma Software Rt Architektúra kiterjedt ügyfélkörben végrehajtható bankkártyás fizetési tranzakciók egyszerûsített hardverigényû lebonyolításához, tranzakciós terminálegység, bõvített funkciós SIM kártya, valamint eljárások megszemélyesítésre és tranzakciók lebonyolítására
KR100412510B1 (ko) * 2002-03-30 2004-01-07 한민규 이종 통신망을 이용한 인스턴트 로그인 사용자 인증 및결제 방법과 그 시스템
GB2390509A (en) 2002-07-03 2004-01-07 Marconi Information Systems Lt Smart label reader interfacing device
US20040019564A1 (en) * 2002-07-26 2004-01-29 Scott Goldthwaite System and method for payment transaction authentication
KR20040012401A (ko) 2002-08-03 2004-02-11 주식회사 어필텔레콤 휴대전화기의 루프 안테나
KR20020073106A (ko) 2002-08-16 2002-09-19 스마트시스템 주식회사 스마트카드 판독기가 장착된 무선 광학 마우스
US6842106B2 (en) * 2002-10-04 2005-01-11 Battelle Memorial Institute Challenged-based tag authentication model
KR100476157B1 (ko) 2002-11-14 2005-03-11 (주)넥스지텔레콤 사용제어장치가 구비된 스마트카드
KR20040060249A (ko) 2002-12-30 2004-07-06 엘지전자 주식회사 스마트 카드와 휴대전화를 이용한 신용카드 통합시스템 및통합방법
US7436965B2 (en) 2003-02-19 2008-10-14 Microsoft Corporation Optical out-of-band key distribution
CN1450782A (zh) 2003-04-14 2003-10-22 李洪斌 银行信用卡绑定手机sim卡实现移动支付功能
KR20040089800A (ko) 2003-04-15 2004-10-22 파워 데이터 커뮤니케이션즈 캄퍼니 리미티드 무선 전송 메모리 카드로 구성된 핸드폰을 이용하여전송하는 전자 거래 시스템 및 방법
JP2004348235A (ja) 2003-05-20 2004-12-09 Toshiba Corp 携帯可能電子装置および携帯端末装置
FR2856490B1 (fr) * 2003-06-17 2005-10-07 Thales Sa Procede d'ecriture, de mise a jour et d'allocation memoire applique a l'ecriture de fichiers sur un support memoire tel qu'une carte a puce
WO2005001729A2 (en) 2003-06-30 2005-01-06 Paym8 (Proprietary) Limited A method of and system for authenticating a transaction initiated from a non-internet enabled device
CA2552264A1 (en) * 2003-07-02 2005-01-13 Mobipay International, S.A. Digital mobile telephone transaction and payment system
KR100998039B1 (ko) * 2003-10-01 2010-12-03 삼성테크윈 주식회사 기판 제조 방법 및 이를 이용하여 제조된 스마트 라벨
JP4539071B2 (ja) * 2003-10-23 2010-09-08 ソニー株式会社 携帯無線通信装置。
US7597250B2 (en) * 2003-11-17 2009-10-06 Dpd Patent Trust Ltd. RFID reader with multiple interfaces
KR100566260B1 (ko) * 2003-11-27 2006-03-29 삼성전자주식회사 무선주파수 식별 태그와 스마트 카드가 결합된 이동단말기및 그 이동단말기에서의 무선 식별 방법
US7407107B2 (en) 2003-12-08 2008-08-05 Nokia Corporation Apparatus, system, method and computer program product for creating shortcuts to functions in a personal communication device
US7357309B2 (en) * 2004-01-16 2008-04-15 Telefonaktiebolaget Lm Ericsson (Publ) EMV transactions in mobile terminals
JP4256293B2 (ja) 2004-03-30 2009-04-22 ソフトバンクモバイル株式会社 Ｉｃカード保持具
US20050269402A1 (en) 2004-06-03 2005-12-08 Tyfone, Inc. System and method for securing financial transactions
US20050269401A1 (en) 2004-06-03 2005-12-08 Tyfone, Inc. System and method for securing financial transactions
JP2006033229A (ja) 2004-07-14 2006-02-02 Nec Saitama Ltd 携帯型通信装置及び携帯型通話装置
JP2006048360A (ja) 2004-08-04 2006-02-16 Sanden Corp 非接触ｉｃチップリーダライタ
US7689932B2 (en) 2004-12-28 2010-03-30 Nokia Corporation Maintenance of shortcut keys in a mobile device
KR20050008622A (ko) 2004-12-31 2005-01-21 송정훈 선불결제 알에프칩을 구비한 휴대폰
US20060146023A1 (en) * 2005-01-04 2006-07-06 Oren Kidron Mobile computer mouse
US7286019B2 (en) * 2005-01-07 2007-10-23 Texas Instruments Incorporated Method and system for amplifying a signal
US7581678B2 (en) * 2005-02-22 2009-09-01 Tyfone, Inc. Electronic transaction card
BRPI0520028B1 (pt) * 2005-03-07 2018-12-11 Nokia Corp método para controlar um dispositivo terminal móvel, dispositivo terminal móvel habilitado para realizar transações de dados sem fio e sistema de transação de dados sem fio
US7386275B2 (en) 2005-03-11 2008-06-10 Dell Products Llp Systems and methods for managing out-of-band device connection
US20060226217A1 (en) * 2005-04-07 2006-10-12 Tyfone, Inc. Sleeve for electronic transaction card
GB0507285D0 (en) * 2005-04-11 2005-05-18 Innovision Res & Tech Plc Nfc enabled high-speed data
ES2328491T3 (es) 2005-05-12 2009-11-13 Swisscom Ag Procedimiento y sistema para la transferencia segura de datos a traves de un interfaz nfc.
US20060255160A1 (en) 2005-05-13 2006-11-16 Otto Winkler Memory card, the fabrication thereof and a mobile phone apparatus having a memory card
US8189788B2 (en) 2005-07-15 2012-05-29 Tyfone, Inc. Hybrid symmetric/asymmetric cryptography with user authentication
US8477940B2 (en) * 2005-07-15 2013-07-02 Tyfone, Inc. Symmetric cryptography with user authentication
US7805615B2 (en) * 2005-07-15 2010-09-28 Tyfone, Inc. Asymmetric cryptography with user authentication
WO2007011937A2 (en) * 2005-07-18 2007-01-25 Tyfone, Inc. Electronic stripe cards
US20070016957A1 (en) 2005-07-18 2007-01-18 Seaward Karen L Secure portable memory mouse device
FR2889781B1 (fr) 2005-08-12 2009-04-17 Initialesonline Sa Serveur d'authentification pour l'identite numerique
JP2007060076A (ja) 2005-08-23 2007-03-08 Casio Hitachi Mobile Communications Co Ltd 移動体通信装置
GB2432031B (en) 2005-08-30 2010-01-20 Wijetunge Harold Prianne Anura The process for cash transfer from one mobile phone to another with access to cash instantly
CN101313329B (zh) * 2005-09-28 2016-10-19 维萨国际服务协会 减少无接触交易的交互时间的设备和系统
US7808480B2 (en) 2005-10-28 2010-10-05 Sap Ag Method and system for secure input
US20070106564A1 (en) 2005-11-04 2007-05-10 Utiba Pte Ltd. Mobile phone as a point of sale (POS) device
US20070125840A1 (en) * 2005-12-06 2007-06-07 Boncle, Inc. Extended electronic wallet management
JP2007166379A (ja) 2005-12-15 2007-06-28 Fujitsu Ltd ループアンテナ及びこのループアンテナを備えた電子機器
JP4715509B2 (ja) 2005-12-28 2011-07-06 富士通株式会社 個人情報証明方法及び個人情報証明システム
US7641111B2 (en) * 2005-12-29 2010-01-05 Research In Motion Limited Method and apparatus for contactless payment authentication
US7606574B2 (en) * 2006-01-12 2009-10-20 Motorola, Inc. Method and apparatus for implementing spatial division multiple access (“SDMA”) to communicate user data and backhaul data with the same wireless time-frequency resources
JP2007189612A (ja) * 2006-01-16 2007-07-26 Nec Tokin Corp Ｒｆｉｄアンテナ
US7775446B2 (en) * 2006-03-10 2010-08-17 Panasonic Corporation Card type information device and method for manufacturing same
KR100837039B1 (ko) * 2006-03-14 2008-06-11 최명렬 고속 비접촉식 지불 처리 방법
US7873573B2 (en) * 2006-03-30 2011-01-18 Obopay, Inc. Virtual pooled account for mobile banking
US8249965B2 (en) * 2006-03-30 2012-08-21 Obopay, Inc. Member-supported mobile payment system
US20070235539A1 (en) * 2006-04-05 2007-10-11 Jarkko Sevanto Mobile device with near field communication module and secure chip
US8965281B2 (en) * 2006-04-05 2015-02-24 Nokia Corporation Mobile device with near field communication module and secure chip
CN1835007A (zh) 2006-04-07 2006-09-20 浙江通普通信技术有限公司 基于移动通信网络的移动支付方法
US7500606B2 (en) * 2006-04-14 2009-03-10 Harexinfotech, Inc. Method of settling signatureless payment of bank card sales slip in mobile terminal, and system therefor
DE102007019272A1 (de) 2006-04-24 2007-10-25 Giesecke & Devrient Gmbh Antenne für kartenförmige Datenträger
DE102006019628A1 (de) 2006-04-25 2007-10-31 Eberhard Back Verfahren und Einrichtung zur Bereitstellung zumindest einer Information an ein mobiles Kommunikationsgerät eines Benutzers
JP2007304910A (ja) 2006-05-12 2007-11-22 Daido Steel Co Ltd 無線通信媒体用磁性シート
US8924269B2 (en) * 2006-05-13 2014-12-30 Sap Ag Consistent set of interfaces derived from a business object model
DE102006027200A1 (de) * 2006-06-12 2007-12-27 Giesecke & Devrient Gmbh Datenträger und Verfahren zur kontaktlosen Kommunikation zwischen dem Datenträger und einem Lesegerät
US7865141B2 (en) 2006-06-15 2011-01-04 Silicon Storage Technology, Inc. Chipset for mobile wallet system
US7775442B2 (en) * 2006-07-12 2010-08-17 Nokia Corporation Method for accessing after-operation information of secure element applications
FR2904453B1 (fr) 2006-07-25 2009-01-16 Oberthur Card Syst Sa Antenne electronique a microcircuit.
CN101136123A (zh) 2006-08-30 2008-03-05 黄金富 智能卡pos机系统及相应在商户进行取现及汇款的方法
US8909553B2 (en) * 2006-09-06 2014-12-09 Transaction Wireless, Inc. Payment card terminal for mobile phones
US8761664B2 (en) * 2006-09-20 2014-06-24 Nokia Corporation Near field connection establishment
JP2008083867A (ja) 2006-09-26 2008-04-10 Matsushita Electric Works Ltd メモリカード用ソケット
GB0621189D0 (en) * 2006-10-25 2006-12-06 Payfont Ltd Secure authentication and payment system
US7814013B2 (en) * 2006-12-19 2010-10-12 Morsillo Leon N Electronic payment processing system
CN100590989C (zh) 2007-01-12 2010-02-17 上海复旦微电子股份有限公司 具有多路开关接口的近场通讯手机及其供电和通讯方法
WO2008105703A1 (en) 2007-01-19 2008-09-04 Bjoerhn Anders Pos module
JP2008236135A (ja) * 2007-03-19 2008-10-02 Toshiba Corp 周波数コンバータ
US20080270246A1 (en) * 2007-04-26 2008-10-30 Grace Chen Global electronic payment system
SI22595A (sl) 2007-07-23 2009-02-28 Halcom D.D. Postopek in sistem za varno in enostavno plaäśevanje z mobilnim terminalom
US20090063312A1 (en) * 2007-08-28 2009-03-05 Hurst Douglas J Method and System for Processing Secure Wireless Payment Transactions and for Providing a Virtual Terminal for Merchant Processing of Such Transactions
US9311766B2 (en) * 2007-09-12 2016-04-12 Devicefidelity, Inc. Wireless communicating radio frequency signals
US8915447B2 (en) * 2007-09-12 2014-12-23 Devicefidelity, Inc. Amplifying radio frequency signals
US8070057B2 (en) * 2007-09-12 2011-12-06 Devicefidelity, Inc. Switching between internal and external antennas
US8341083B1 (en) * 2007-09-12 2012-12-25 Devicefidelity, Inc. Wirelessly executing financial transactions
US20090143104A1 (en) * 2007-09-21 2009-06-04 Michael Loh Wireless smart card and integrated personal area network, near field communication and contactless payment system
EP2043016A1 (en) * 2007-09-27 2009-04-01 Nxp B.V. Method, system, trusted service manager, service provider and memory element for managing access rights for trusted applications
US8095113B2 (en) * 2007-10-17 2012-01-10 First Data Corporation Onetime passwords for smart chip cards
US7730248B2 (en) * 2007-12-13 2010-06-01 Texas Instruments Incorporated Interrupt morphing and configuration, circuits, systems and processes
JP4462341B2 (ja) * 2007-12-18 2010-05-12 ソニー株式会社 情報処理装置および方法、並びにプログラム
US9684861B2 (en) 2007-12-24 2017-06-20 Dynamics Inc. Payment cards and devices with displays, chips, RFIDs, magnetic emulators, magnetic decoders, and other components
SK50042008A3 (sk) * 2008-01-04 2009-09-07 Logomotion, S. R. O. Spôsob a systém autentifikácie najmä pri platbách, identifikátor totožnosti a/alebo súhlasu
US20090193491A1 (en) * 2008-01-24 2009-07-30 Bindu Rao Secure element manager
US8055184B1 (en) 2008-01-30 2011-11-08 Sprint Communications Company L.P. System and method for active jamming of confidential information transmitted at a point-of-sale reader
JP5207284B2 (ja) * 2008-02-08 2013-06-12 エスアイアイ・データサービス株式会社 決済システム及び非接触ｉｃ対応処理装置
SK288721B6 (sk) 2008-03-25 2020-01-07 Smk Kk Spôsob, zapojenie a nosič na vykonávanie opakovaných operácií na klávesnici mobilného komunikačného zariadenia
WO2009121046A1 (en) * 2008-03-28 2009-10-01 Celltrust Corporation Systems and methods for secure short messaging service and multimedia messaging service
US7967215B2 (en) * 2008-04-18 2011-06-28 Vivotech Inc. Systems, methods, and computer program products for supporting multiple contactless applications using different security keys
US8713655B2 (en) * 2008-04-21 2014-04-29 Indian Institute Of Technology Method and system for using personal devices for authentication and service access at service outlets
CN101339685A (zh) 2008-05-27 2009-01-07 北京爱奥时代信息科技有限公司 红外线手机支付终端、支付方法及系统
US20090307140A1 (en) 2008-06-06 2009-12-10 Upendra Mardikar Mobile device over-the-air (ota) registration and point-of-sale (pos) payment
US20090319287A1 (en) 2008-06-24 2009-12-24 Ayman Hammad Authentication segmentation
CN101329801B (zh) 2008-07-23 2011-04-06 中国建设银行股份有限公司 手机pos消费的数据处理方法及手机pos消费系统
US8662401B2 (en) * 2008-07-25 2014-03-04 First Data Corporation Mobile payment adoption by adding a dedicated payment button to mobile device form factors
US8127999B2 (en) * 2008-08-14 2012-03-06 Visa U.S.A. Inc. Wireless mobile communicator for contactless payment on account read from removable card
US20100045425A1 (en) * 2008-08-21 2010-02-25 Chivallier M Laurent data transmission of sensors
AR073125A1 (es) * 2008-08-25 2010-10-13 Interdigital Patent Holdings Tarjeta de circuito integrada universal que tiene una funcion de modulo de identificacion virtual de usuario.
RU2532732C2 (ru) * 2008-08-29 2014-11-10 Логомотион, С.Р.О. Сменная карта для беспроводной коммуникации, способ ее изготовления и ее применение
US20100063893A1 (en) * 2008-09-11 2010-03-11 Palm, Inc. Method of and system for secure on-line purchases
SK288757B6 (sk) * 2008-09-19 2020-05-04 Smk Kk Systém a spôsob bezkontaktnej autorizácie pri platbe
US9098845B2 (en) * 2008-09-19 2015-08-04 Logomotion, S.R.O. Process of selling in electronic shop accessible from the mobile communication device
SK50862008A3 (sk) * 2008-09-19 2010-06-07 Logomotion, S. R. O. Systém na elektronické platobné aplikácie a spôsob autorizácie platby
SK288641B6 (sk) * 2008-10-15 2019-02-04 Smk Corporation Spôsob komunikácie s POS terminálom, frekvenčný konventor k POS terminálu
EP2401708A4 (en) * 2009-02-24 2012-08-15 Tyfone Inc CONTACTLESS DEVICE WITH MINIATURIZED ANTENNA
EP2390817A1 (en) 2010-05-27 2011-11-30 Gemalto SA Method of managing communications with a nfc controller

Also Published As

Publication number Publication date
JP5994996B2 (ja) 2016-09-21
CA2739809A1 (en) 2010-10-28
JP2012524927A (ja) 2012-10-18
BRPI1014882B1 (pt) 2020-09-29
WO2010122520A2 (en) 2010-10-28
CN102640176A (zh) 2012-08-15
WO2010122520A3 (en) 2012-05-10
RU2011145814A (ru) 2013-05-27
AU2010240543B2 (en) 2016-11-17
US20110042456A1 (en) 2011-02-24
ZA201108238B (en) 2012-06-27
CN102640176B (zh) 2016-03-02
EP2449512A2 (en) 2012-05-09
RU2543938C2 (ru) 2015-03-10
SK500242009A3 (sk) 2010-11-08
BRPI1014882A2 (pt) 2016-04-19
KR101709099B1 (ko) 2017-02-22
AU2010240543A1 (en) 2011-12-08
SK288747B6 (sk) 2020-04-02
US8500008B2 (en) 2013-08-06
CA2739809C (en) 2017-02-28
KR20120018174A (ko) 2012-02-29

Similar Documents

Publication Publication Date Title
MX2011004338A (es) Sistema y metodo de transaccion de pago electronico, en particular al usar un medio de pago sin contacto.
MX2013000279A (es) Sistema para pago seguro sobre una red de comunicacion inalambrica.
WO2011119463A3 (en) Alternate mobile payment service
RU2014138935A (ru) Способ, устройство и защищенный элемент для выполнения безопасной финансовой транзакции в устройстве
WO2006019997A3 (en) Method and system for conducting contactless payment card transactions
WO2013106723A3 (en) Systems, methods, and computer program products providing payment in cooperation with emv card readers
WO2005086593A3 (en) Inter-operable, multi-operator, multi-bank, multi-merchant mobile payment method and a system therefor
PL390674A1 (pl) Sposób realizacji transakcji płatniczej z użyciem personalnego urządzenia mobilnego i układ personalnego urządzenia mobilnego
BRPI0615665A8 (pt) método para usar um número de conta assegurado para processar tipos de proximidade de transações financeiras sem fio, meio legível por computador, computador de servidor, dispositivo de consumidor de proximidade portátil para executar transações sem contato, sistema para executar transações de pagamento, e, método para conduzir transações financeiras sem fio
WO2012082795A9 (en) Systems and methods for conducting contactless payments using a mobile and a magstripe payment card
RU2008116103A (ru) Устройство, система и способ сокращения времени взаимодействия при бесконтактной транзакции
WO2014085478A3 (en) Systems and methods for processing electronic transactions based on consumer characteristics
WO2014130826A3 (en) Systems, apparatus and methods for mobile companion prepaid card
MX2011012904A (es) Sistema y metodo para proporcionar autenticacion para transacciones de tarjeta no presente utilizando un dispositivo movil.
WO2013029014A3 (en) Method for using barcodes and mobile devices to conduct payment transactions
AU2003205917A8 (en) Architecture of simplified hardware requirements for bank card payment transactions in a large group of clients, transaction terminal unit, extended function sim card, and methods for individualisation and performing transaction
MX2008013361A (es) Metodos y sistemas para transacciones seguras con dispositivos electronicos.
WO2008121389A3 (en) Banking transaction processing system
CN103794000B (zh) 读取非接触ic卡数据失败的处理方法及实施该方法的设备
CN103942899A (zh) 指纹pos机和指纹支付系统
EP2556474A4 (en) METHOD AND SYSTEM FOR PROCESSING PIN CARD TRANSACTIONS
CN101256694A (zh) 一种近场通信终端的电子钱包自动充值的方法
PH12018501541A1 (en) Credit payment method and apparatus based on mobile terminal ese
WO2014155394A3 (en) System and method for a secure electronic transaction using a universal portable card reader device
RU2014135468A (ru) Портативное устройство для электронных платежей

Legal Events

Date Code Title Description
FG Grant or registration