NL1013631C1 - Digital process enables proposed financial transaction between two account holders to be enacted in same or different financial institutions, with payer and payee account numbers and possibly names, addresses and bank names - Google Patents
Digital process enables proposed financial transaction between two account holders to be enacted in same or different financial institutions, with payer and payee account numbers and possibly names, addresses and bank names Download PDFInfo
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- NL1013631C1 NL1013631C1 NL1013631A NL1013631A NL1013631C1 NL 1013631 C1 NL1013631 C1 NL 1013631C1 NL 1013631 A NL1013631 A NL 1013631A NL 1013631 A NL1013631 A NL 1013631A NL 1013631 C1 NL1013631 C1 NL 1013631C1
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/04—Payment circuits
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/04—Payment circuits
- G06Q20/042—Payment circuits characterized in that the payment protocol involves at least one cheque
- G06Q20/0425—Payment circuits characterized in that the payment protocol involves at least one cheque the cheque being electronic only
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- 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
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3825—Use of electronic signatures
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- Accounting & Taxation (AREA)
- Engineering & Computer Science (AREA)
- Physics & Mathematics (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Finance (AREA)
- Computer Security & Cryptography (AREA)
- Development Economics (AREA)
- Economics (AREA)
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- Technology Law (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
Description
Korte aanduidingShort indication
Een softwarematige uitbreiding op systemen om elektronisch te bankieren met het doel betalingen aan derden over openbare netwerken op volstrekt 5 veilige en snelle wijze te verrichten.A software extension to electronic banking systems with the aim of making payments to third parties over public networks in a completely 5 safe and fast manner.
Inleidingpreface
Er bestaan diverse op zichzelf staande methoden om over openbare 10 netwerken betalingen te verrichten aan derden. Veelal maken deze methoden gebruik van speciale hardware, magneet- en / of chipkaarten om deze betalingen langs cryptografische weg te beveiligen. De uitvinding beschreven in dit document maakt gebruik van de al aanwezige beveiliging in het systeem om elektronisch te bankieren en een centraal bij de betreffende financiële 15 instelling opgesteld apparaat om digitale handtekeningen te zetten. De uitvonding zal met name toepassing kunnen vinden in de electronische handel (e-commerce).There are several stand-alone methods for making payments to third parties over public networks. These methods often use special hardware, magnetic and / or chip cards to secure these payments via cryptographic means. The invention described in this document makes use of the existing security in the system for electronic banking and a device centrally placed at the relevant financial institution for putting digital signatures. The invention will find particular application in electronic commerce (e-commerce).
Beoogt 20Aims 20
De uitvinding beoogt: 1. Een rekeninghouder middels een systeem voor elektronisch bankieren een digitale cheque te kunnen laten aanmaken. Deze digitale check wordt voorzien van een digitale handtekening. De aangemaakte digitale cheque 25 wordt ter beschikking gesteld van de rekeninghouder zodat deze de digitale cheque via elektronische weg, bijvoorbeeld over een openbaar netwerk, ter beschikking kan stellen van de begunstigde.The invention aims at: 1. Having an account holder create a digital check by means of an electronic banking system. This digital check is provided with a digital signature. The digital check 25 created is made available to the account holder so that he can make the digital check available to the beneficiary electronically, for example over a public network.
2. Een begunstigde middels een systeem voor elektronisch bankieren een aan hem/haar toegezonden digitale cheque op echtheid te kunnen laten 30 controleren. Deze controle kan zowel lokaal bij de begunstigde, als centraal middels een online verbinding bij een financiële instelling gebeuren.2. To allow a beneficiary to verify the authenticity of a digital check sent to him / her by means of an electronic banking system. This check can be performed locally at the beneficiary or centrally via an online connection with a financial institution.
3. Een begunstigde middels een systeem voor elektronisch bankieren een digitale cheque naar een financiële instelling te laten insturen ter 35 verdere verwerking en effectuering.3. Have a beneficiary send a digital check to a financial institution by means of an electronic banking system for further processing and effectuation.
1013631 21013631 2
Werking 1. Het maken van een digitale chequeOperation 1. Making a digital check
Een systeem voor elektronisch bankieren wordt ingericht, c.q.A system for electronic banking will be set up or
5 uitgebreid met de functie om de voor het aanmaken van een digitale check benodigde gegevens in te kunnen voeren. Deze gegevens omvatten doorgaans het bedrag van de voorgenomen transactie en rekeningnummer, naam en woonplaats van zowel de betalende als de begunstigde rekeninghouder. Deze gegevens worden middels het systeem voor elektronisch bankieren naar de financiële 10 instelling van de betalende rekeninghouder gestuurd. De financiële instelling kan hieraan gegevens toevoegen zoals expiratiedatum en administratief volgnummer om vervolgens het geheel of een wezenlijk deel van de gegevens te voorzien van een digitale handtekening. Op deze wijze is een digitale cheque ontstaan, die middels het systeem voor elektronisch 15 bankieren wordt teruggezonden naar de rekeninghouder. De rekeninghouder kan nu deze digitale cheque, al dan niet tezamen met een bestelling, elektronisch via een openbaar netwerk of op enige andere wijze toezenden aan de begunstigde.5 extended with the function to enter the data required to create a digital check. These data usually include the amount of the proposed transaction and account number, name and city of both the paying and the beneficiary account holder. These data are sent via the electronic banking system to the financial institution of the paying account holder. The financial institution can add data such as expiration date and administrative sequence number to this and then provide all or a substantial part of the data with a digital signature. In this way a digital check has been created, which is returned to the account holder by means of the electronic banking system. The account holder can now send this digital check, whether or not together with an order, electronically via a public network or in any other way to the beneficiary.
20 2. Het controleren van een digitale cheque20 2. Checking a digital check
Een systeem voor elektronisch bankieren wordt ingericht, c.q.A system for electronic banking will be set up or
uitgebreid met de functies om publieke sleutels waarmee de digitale handtekening gecontroleerd kan worden op veilige wijze op te halen en op te slaan en om digitale handtekeningen middels deze publieke sleutels op 25 echtheid te kunnen controleren. De begunstigde kan middels deze nieuwe functies de ontvangen cheque op echtheid controleren zonder dat er communicatie met de financiële instelling nodig is.extended with the functions to securely retrieve and store public keys with which the digital signature can be checked and to verify the authenticity of digital signatures by means of these public keys. The beneficiary can use these new functions to check the check received for authenticity without the need for communication with the financial institution.
3. Het insturen van een digitale cheque 30 Een systeem voor elektronisch bankieren wordt ingericht, c.q.3. Submitting a digital check 30 An electronic banking system will be set up, or
uitgebreid met de functie om de begunstigde in staat te stellen een ontvangen digitale cheque naar zijn financiële instelling te zenden.extended with the function to enable the beneficiary to send a received digital check to its financial institution.
10136311013631
Claims (7)
Priority Applications (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
NL1013631A NL1013631C1 (en) | 1999-11-22 | 1999-11-22 | Digital process enables proposed financial transaction between two account holders to be enacted in same or different financial institutions, with payer and payee account numbers and possibly names, addresses and bank names |
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
NL1013631 | 1999-11-22 | ||
NL1013631A NL1013631C1 (en) | 1999-11-22 | 1999-11-22 | Digital process enables proposed financial transaction between two account holders to be enacted in same or different financial institutions, with payer and payee account numbers and possibly names, addresses and bank names |
Publications (1)
Publication Number | Publication Date |
---|---|
NL1013631C1 true NL1013631C1 (en) | 2001-05-28 |
Family
ID=19770296
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
NL1013631A NL1013631C1 (en) | 1999-11-22 | 1999-11-22 | Digital process enables proposed financial transaction between two account holders to be enacted in same or different financial institutions, with payer and payee account numbers and possibly names, addresses and bank names |
Country Status (1)
Country | Link |
---|---|
NL (1) | NL1013631C1 (en) |
Cited By (1)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
FR2956233A1 (en) * | 2010-02-05 | 2011-08-12 | Alain Charles Samuel Louis Bernard | Method for carrying out online payment by e.g. payment operator, involves sending digital check to seller by activation of active display by buyer, where digital check is received by seller from payment operator |
-
1999
- 1999-11-22 NL NL1013631A patent/NL1013631C1/en not_active IP Right Cessation
Cited By (1)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
FR2956233A1 (en) * | 2010-02-05 | 2011-08-12 | Alain Charles Samuel Louis Bernard | Method for carrying out online payment by e.g. payment operator, involves sending digital check to seller by activation of active display by buyer, where digital check is received by seller from payment operator |
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VD1 | Lapsed due to non-payment of the annual fee |
Effective date: 20040601 |