NL1001863C2 - Werkwijze voor het beveiligd afwaarderen van een elektronisch betaalmid- del, alsmede betaalmiddel voor het ten uitvoer leggen van de werkwijze. - Google Patents

Werkwijze voor het beveiligd afwaarderen van een elektronisch betaalmid- del, alsmede betaalmiddel voor het ten uitvoer leggen van de werkwijze. Download PDF

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Publication number
NL1001863C2
NL1001863C2 NL1001863A NL1001863A NL1001863C2 NL 1001863 C2 NL1001863 C2 NL 1001863C2 NL 1001863 A NL1001863 A NL 1001863A NL 1001863 A NL1001863 A NL 1001863A NL 1001863 C2 NL1001863 C2 NL 1001863C2
Authority
NL
Netherlands
Prior art keywords
payment
authentication
payment means
authentication code
random number
Prior art date
Application number
NL1001863A
Other languages
English (en)
Dutch (nl)
Inventor
Frank Muller
Martin Klaas De Lange
Albertus Feiken
Jelle Wissenburgh
Johannes Brehler
Hendricus Johannes Wilh Pavert
Original Assignee
Nederland Ptt
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
Priority to NL1001863A priority Critical patent/NL1001863C2/nl
Application filed by Nederland Ptt filed Critical Nederland Ptt
Priority to CZ19981758A priority patent/CZ287424B6/cs
Priority to EP96939057A priority patent/EP0883866B1/en
Priority to ES96939057T priority patent/ES2143790T3/es
Priority to EA199800539A priority patent/EA000730B1/ru
Priority to CN96198809A priority patent/CN1121020C/zh
Priority to DE69607041T priority patent/DE69607041T2/de
Priority to NZ322489A priority patent/NZ322489A/xx
Priority to AU76254/96A priority patent/AU703985B2/en
Priority to AT96939057T priority patent/ATE190420T1/de
Priority to BR9611975A priority patent/BR9611975A/pt
Priority to PCT/EP1996/005027 priority patent/WO1997022091A1/en
Priority to CA002239875A priority patent/CA2239875C/en
Priority to PL96327192A priority patent/PL181221B1/pl
Priority to IL12475296A priority patent/IL124752A/xx
Priority to ZA9610277A priority patent/ZA9610277B/xx
Priority to US08/762,454 priority patent/US5991412A/en
Application granted granted Critical
Publication of NL1001863C2 publication Critical patent/NL1001863C2/nl
Priority to NO982527A priority patent/NO982527L/no
Priority to BG102607A priority patent/BG102607A/xx

Links

Classifications

    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07FCOIN-FREED OR LIKE APPARATUS
    • G07F7/00Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08Mechanisms 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
    • G07F7/10Mechanisms 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
    • G07F7/1008Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
    • GPHYSICS
    • G06COMPUTING OR CALCULATING; COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/085Payment architectures involving remote charge determination or related payment systems
    • GPHYSICS
    • G06COMPUTING OR CALCULATING; COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/10Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • GPHYSICS
    • G06COMPUTING OR CALCULATING; COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/10Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/105Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems involving programming of a portable memory device, e.g. IC cards, "electronic purses"
    • GPHYSICS
    • G06COMPUTING OR CALCULATING; COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/20Point-of-sale [POS] network systems
    • GPHYSICS
    • G06COMPUTING OR CALCULATING; COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/20Point-of-sale [POS] network systems
    • G06Q20/204Point-of-sale [POS] network systems comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
    • GPHYSICS
    • G06COMPUTING OR CALCULATING; COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • GPHYSICS
    • G06COMPUTING OR CALCULATING; COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367Payment 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
    • G06Q20/3674Payment 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
    • GPHYSICS
    • G06COMPUTING OR CALCULATING; COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, 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
    • G06Q20/409Device specific authentication in transaction processing
    • G06Q20/4097Device specific authentication in transaction processing using mutual authentication between devices and transaction partners
    • GPHYSICS
    • G06COMPUTING OR CALCULATING; COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07FCOIN-FREED OR LIKE APPARATUS
    • G07F7/00Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08Mechanisms 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
    • G07F7/0806Details of the card
    • G07F7/0813Specific details related to card security
    • G07F7/082Features insuring the integrity of the data on or in the card
    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07FCOIN-FREED OR LIKE APPARATUS
    • G07F7/00Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08Mechanisms 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
    • G07F7/0866Mechanisms 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

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • Finance (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Computer Security & Cryptography (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Marketing (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Technology Law (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)
  • Eye Examination Apparatus (AREA)
  • Polysaccharides And Polysaccharide Derivatives (AREA)
  • Electrochromic Elements, Electrophoresis, Or Variable Reflection Or Absorption Elements (AREA)
  • Cash Registers Or Receiving Machines (AREA)
  • Details Of Connecting Devices For Male And Female Coupling (AREA)
  • Elimination Of Static Electricity (AREA)
  • Devices For Checking Fares Or Tickets At Control Points (AREA)
  • Charge And Discharge Circuits For Batteries Or The Like (AREA)
  • Micromachines (AREA)
NL1001863A 1995-12-08 1995-12-08 Werkwijze voor het beveiligd afwaarderen van een elektronisch betaalmid- del, alsmede betaalmiddel voor het ten uitvoer leggen van de werkwijze. NL1001863C2 (nl)

Priority Applications (19)

Application Number Priority Date Filing Date Title
NL1001863A NL1001863C2 (nl) 1995-12-08 1995-12-08 Werkwijze voor het beveiligd afwaarderen van een elektronisch betaalmid- del, alsmede betaalmiddel voor het ten uitvoer leggen van de werkwijze.
BR9611975A BR9611975A (pt) 1995-12-08 1996-11-14 Processo para protegidamente debitar-se um meio de pagamento eletrônico
ES96939057T ES2143790T3 (es) 1995-12-08 1996-11-14 Metodo para adeudar de forma protegida un medio de pago electronico
EA199800539A EA000730B1 (ru) 1995-12-08 1996-11-14 Способ защищенного дебетования электронного платежного средства
CN96198809A CN1121020C (zh) 1995-12-08 1996-11-14 保护地记入电子付款工具借方的方法
DE69607041T DE69607041T2 (de) 1995-12-08 1996-11-14 Verfahren zum geschützten elektronischen zahlungsmittels
NZ322489A NZ322489A (en) 1995-12-08 1996-11-14 Protectedly performing a transaction, using electronic payment means and a payment station, includes repeated execution of an interrogation step
AU76254/96A AU703985B2 (en) 1995-12-08 1996-11-14 Method for protectedly debiting an electronic payment means
CZ19981758A CZ287424B6 (en) 1995-12-08 1996-11-14 Method of protected execution of transaction by making use of electronic means of payment
EP96939057A EP0883866B1 (en) 1995-12-08 1996-11-14 Method for protectedly debiting an electronic payment means
PCT/EP1996/005027 WO1997022091A1 (en) 1995-12-08 1996-11-14 Method for protectedly debiting an electronic payment means
CA002239875A CA2239875C (en) 1995-12-08 1996-11-14 Method for protectedly debiting an electronic payment means
PL96327192A PL181221B1 (pl) 1995-12-08 1996-11-14 Sposób bezpiecznego realizowania transakcji przy użyciu elementu płatniczego i stanowiska płacenia
IL12475296A IL124752A (en) 1995-12-08 1996-11-14 Method for protectedly debiting an electronic payment means
AT96939057T ATE190420T1 (de) 1995-12-08 1996-11-14 Verfahren zum geschützten elektronischen zahlungsmittels
ZA9610277A ZA9610277B (en) 1995-12-08 1996-12-06 Method for protectedly debiting an electronic payment means.
US08/762,454 US5991412A (en) 1995-12-08 1996-12-09 Method for protectedly debiting an electronic payment means
NO982527A NO982527L (no) 1995-12-08 1998-06-03 FremgangsmÕte for beskyttet debitering av et elektronisk betalingsmiddel
BG102607A BG102607A (en) 1995-12-08 1998-07-08 Method for protected consumpiton of a means of payment

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
NL1001863 1995-12-08
NL1001863A NL1001863C2 (nl) 1995-12-08 1995-12-08 Werkwijze voor het beveiligd afwaarderen van een elektronisch betaalmid- del, alsmede betaalmiddel voor het ten uitvoer leggen van de werkwijze.

Publications (1)

Publication Number Publication Date
NL1001863C2 true NL1001863C2 (nl) 1997-06-10

Family

ID=19762011

Family Applications (1)

Application Number Title Priority Date Filing Date
NL1001863A NL1001863C2 (nl) 1995-12-08 1995-12-08 Werkwijze voor het beveiligd afwaarderen van een elektronisch betaalmid- del, alsmede betaalmiddel voor het ten uitvoer leggen van de werkwijze.

Country Status (19)

Country Link
US (1) US5991412A (pl)
EP (1) EP0883866B1 (pl)
CN (1) CN1121020C (pl)
AT (1) ATE190420T1 (pl)
AU (1) AU703985B2 (pl)
BG (1) BG102607A (pl)
BR (1) BR9611975A (pl)
CA (1) CA2239875C (pl)
CZ (1) CZ287424B6 (pl)
DE (1) DE69607041T2 (pl)
EA (1) EA000730B1 (pl)
ES (1) ES2143790T3 (pl)
IL (1) IL124752A (pl)
NL (1) NL1001863C2 (pl)
NO (1) NO982527L (pl)
NZ (1) NZ322489A (pl)
PL (1) PL181221B1 (pl)
WO (1) WO1997022091A1 (pl)
ZA (1) ZA9610277B (pl)

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US6738749B1 (en) * 1998-09-09 2004-05-18 Ncr Corporation Methods and apparatus for creating and storing secure customer receipts on smart cards
KR100399809B1 (ko) * 1998-09-22 2003-09-29 인피니언 테크놀로지스 아게 데이터 교환시 1인 이상의 가입자를 인증하기 위한 방법
US7236950B2 (en) * 1998-10-29 2007-06-26 Universal Card Services Corp. Method and system of combined billing of multiple accounts on a single statement
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US6990470B2 (en) * 2000-04-11 2006-01-24 Mastercard International Incorporated Method and system for conducting secure payments over a computer network
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US7822679B1 (en) 2001-10-29 2010-10-26 Visa U.S.A. Inc. Method and system for conducting a commercial transaction between a buyer and a seller
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JP5396001B2 (ja) * 2006-12-13 2014-01-22 楽天Edy株式会社 情報処理装置、情報処理装置の制御方法、及び情報処理装置の制御プログラム
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US10395223B2 (en) 2012-03-07 2019-08-27 Early Warning Services, Llc System and method for transferring funds
US10970688B2 (en) 2012-03-07 2021-04-06 Early Warning Services, Llc System and method for transferring funds
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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
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US11037122B2 (en) 2015-07-21 2021-06-15 Early Warning Services, Llc Secure real-time transactions
US11151523B2 (en) 2015-07-21 2021-10-19 Early Warning Services, Llc Secure transactions with offline device
US10970695B2 (en) 2015-07-21 2021-04-06 Early Warning Services, Llc Secure real-time transactions
US11037121B2 (en) 2015-07-21 2021-06-15 Early Warning Services, Llc Secure real-time transactions
US10963856B2 (en) 2015-07-21 2021-03-30 Early Warning Services, Llc Secure real-time transactions
US11151522B2 (en) 2015-07-21 2021-10-19 Early Warning Services, Llc Secure transactions with offline device
US11062290B2 (en) 2015-07-21 2021-07-13 Early Warning Services, Llc Secure real-time transactions
US10956888B2 (en) 2015-07-21 2021-03-23 Early Warning Services, Llc Secure real-time transactions
US11386410B2 (en) 2015-07-21 2022-07-12 Early Warning Services, Llc Secure transactions with offline device
CN105491028B (zh) * 2015-11-25 2019-01-25 四川诚品电子商务有限公司 电商平台账户的身份认证方法
CN105357213B (zh) * 2015-11-25 2018-11-16 四川诚品电子商务有限公司 网络平台账户的身份认证方法
US11144928B2 (en) 2016-09-19 2021-10-12 Early Warning Services, Llc Authentication and fraud prevention in provisioning a mobile wallet
US12499427B2 (en) 2021-08-31 2025-12-16 Early Warning Services, Llc Direct electronic bill payment with real-time funds availability

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EP0409701A1 (fr) * 1989-07-19 1991-01-23 France Telecom Carte à microcircuit câblé et procédé de transaction entre une carte à microcircuit câblé correspondante et un terminal
EP0570924A2 (de) * 1992-05-20 1993-11-24 Siemens Aktiengesellschaft Verfahren zur Authentifizierung eines Systemteiles durch einen anderen Systemteil in einem Informationsübertragungssystem bestehend aus einem Terminal und einer tragbaren Datenträgeranordnung
EP0621570A1 (fr) * 1993-04-16 1994-10-26 France Telecom Procédé de mise à jour d'une carte à mémoire

Also Published As

Publication number Publication date
EA199800539A1 (ru) 1999-02-25
CN1121020C (zh) 2003-09-10
PL327192A1 (en) 1998-11-23
PL181221B1 (pl) 2001-06-29
CZ175898A3 (cs) 1999-01-13
AU7625496A (en) 1997-07-03
WO1997022091A1 (en) 1997-06-19
IL124752A0 (en) 1999-01-26
ATE190420T1 (de) 2000-03-15
NO982527D0 (no) 1998-06-03
BG102607A (en) 1999-01-29
DE69607041T2 (de) 2000-07-13
BR9611975A (pt) 1999-02-17
DE69607041D1 (de) 2000-04-13
CA2239875A1 (en) 1997-06-19
NZ322489A (en) 1998-10-28
NO982527L (no) 1998-06-03
AU703985B2 (en) 1999-04-01
ZA9610277B (en) 1998-06-08
ES2143790T3 (es) 2000-05-16
CA2239875C (en) 2004-01-06
CN1203681A (zh) 1998-12-30
IL124752A (en) 2000-11-21
EP0883866B1 (en) 2000-03-08
EP0883866A1 (en) 1998-12-16
EA000730B1 (ru) 2000-02-28
US5991412A (en) 1999-11-23
CZ287424B6 (en) 2000-11-15

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