WO2002021354A1 - Systeme de paiement - Google Patents

Systeme de paiement Download PDF

Info

Publication number
WO2002021354A1
WO2002021354A1 PCT/FI2001/000759 FI0100759W WO0221354A1 WO 2002021354 A1 WO2002021354 A1 WO 2002021354A1 FI 0100759 W FI0100759 W FI 0100759W WO 0221354 A1 WO0221354 A1 WO 0221354A1
Authority
WO
WIPO (PCT)
Prior art keywords
payment
subscriber
transaction code
terminal
transaction
Prior art date
Application number
PCT/FI2001/000759
Other languages
English (en)
Inventor
Matti ÄRMÄNEN
Ari Laukkanen
Olli Welin
Tero Lehtonen
Gavin Mcardle
Anssi Karvinen
Original Assignee
Sonera Oyj
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 Sonera Oyj filed Critical Sonera Oyj
Priority to AU2001284074A priority Critical patent/AU2001284074A1/en
Priority to EP01963021A priority patent/EP1348185A1/fr
Publication of WO2002021354A1 publication Critical patent/WO2002021354A1/fr

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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • 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
    • 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
    • G06Q20/12—Payment architectures specially adapted for electronic shopping 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
    • G06Q20/08—Payment architectures
    • G06Q20/14—Payment architectures specially adapted for billing 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
    • G06Q20/08—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
    • G06Q20/22—Payment schemes or models
    • G06Q20/26—Debit schemes, e.g. "pay now"
    • 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]
    • 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
    • G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
    • 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
    • G06Q20/327—Short range or proximity payments by means of 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
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • 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
    • G06Q20/342—Cards defining paid or billed services or quantities
    • 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
    • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
    • 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
    • G06Q20/409—Device specific authentication in transaction processing
    • G06Q20/4093—Monitoring of device authentication
    • 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
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/02—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices
    • G07F7/025—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices by means, e.g. cards, providing billing information at the time of purchase, e.g. identification of seller or purchaser, quantity of goods delivered or to be delivered
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

Abstract

La présente invention concerne un système qui permet d'effectuer une transaction de paiement via un réseau mobile, lequel système comprend : un serveur de paiement (21), une base de données (DB) contenant des informations relatives aux abonnés, un terminal de paiement (22) qui permet d'effectuer une transaction de paiement, et un terminal sans fil (MS). Le serveur de paiement (21) comprend un moyen qui permet de vérifier dans la base de données (DB) si l'abonné a le droit de payer des produits via le serveur de paiement (21), un moyen qui permet de générer un code de transaction et de le stocker dans la base de données (DB), un moyen qui permet de transmettre ledit code de transaction à un terminal d'abonné (MS). Le terminal de paiement (22) comprend un moyen qui permet de recevoir le code de transaction de l'abonné et un moyen qui permet de transmettre un message de paiement. Le serveur de paiement (21) comprend en outre un moyen qui permet de comparer le code de transaction stocké dans la base de données (DB) avec le message de paiement reçu du terminal de paiement (22) et un moyen qui permet de transmettre des informations relatives à la transaction de paiement acceptée au terminal de paiement.
PCT/FI2001/000759 2000-09-04 2001-09-03 Systeme de paiement WO2002021354A1 (fr)

Priority Applications (2)

Application Number Priority Date Filing Date Title
AU2001284074A AU2001284074A1 (en) 2000-09-04 2001-09-03 Payment system
EP01963021A EP1348185A1 (fr) 2000-09-04 2001-09-03 Systeme de paiement

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
GB0021671.3 2000-09-04
GB0021671A GB2366432A (en) 2000-09-04 2000-09-04 Secure electronic payment system
FI20002734A FI20002734A (fi) 2000-09-04 2000-12-13 Maksujärjestelmä
FI20002734 2000-12-13

Publications (1)

Publication Number Publication Date
WO2002021354A1 true WO2002021354A1 (fr) 2002-03-14

Family

ID=9898799

Family Applications (2)

Application Number Title Priority Date Filing Date
PCT/FI2001/000759 WO2002021354A1 (fr) 2000-09-04 2001-09-03 Systeme de paiement
PCT/FI2001/000763 WO2002021767A1 (fr) 2000-09-04 2001-09-04 Carte de paiement virtuelle

Family Applications After (1)

Application Number Title Priority Date Filing Date
PCT/FI2001/000763 WO2002021767A1 (fr) 2000-09-04 2001-09-04 Carte de paiement virtuelle

Country Status (5)

Country Link
EP (1) EP1348185A1 (fr)
AU (2) AU2001284074A1 (fr)
FI (1) FI20002734A (fr)
GB (1) GB2366432A (fr)
WO (2) WO2002021354A1 (fr)

Cited By (11)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP1544822A1 (fr) * 2003-12-10 2005-06-22 Ncr International Inc. Système de transaction et procédé de réalisation de transactions de point-de-vente entre un marchand et un consommateur en utilisant une plate-forme sans fil
EP1647952A2 (fr) * 2002-08-27 2006-04-19 Visa International Service Association Procédé et système pour faciliter des transactions de paiement en utilisant des appareils d'accès
WO2006106405A1 (fr) * 2005-04-05 2006-10-12 The Standard Bank Of South Africa Limited Procede et dispositif d'authentification d'un utilisateur de dispositif terminal de reseau
WO2006123174A2 (fr) 2005-05-19 2006-11-23 Affle Limited Procede et systeme d'elargissement de l'utilisation et/ou de l'application de systemes de messagerie
JP2007523405A (ja) * 2004-01-23 2007-08-16 マスターカード インターナシヨナル インコーポレーテツド 安全な電話およびコンピュータのトランザクションのためのシステムおよび方法
CZ299351B6 (cs) * 2007-07-26 2008-07-02 Direct Pay, S.R.O. Zpusob provádení platební transakce s využitím mobilního terminálu
WO2012030836A2 (fr) * 2010-09-03 2012-03-08 Visa International Service Association Protection d'inscription expresse par demande d'accès
US8229855B2 (en) 2002-08-27 2012-07-24 Jean Huang Method and system for facilitating payment transactions using access devices
US9456346B2 (en) 2006-07-25 2016-09-27 Virginia Innovation Science, Inc Method and system for improving client server transmission over fading channel with wireless location and authentication technology via electromagnetic radiation
US9723443B2 (en) 2005-08-12 2017-08-01 Virginia Innovation Sciences Inc. System and method for providing locally applicable internet content with secure action requests and item condition alerts
CN107464109B (zh) * 2017-07-28 2020-10-20 中国工商银行股份有限公司 可信移动支付装置、系统和方法

Families Citing this family (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20050132218A1 (en) * 2002-03-28 2005-06-16 Satoshi Tanba Service processing device and processing support device
GB2399209B (en) * 2003-03-06 2006-09-13 Fortunatus Holdings Ltd Secure transaction system
WO2008154872A1 (fr) * 2007-06-20 2008-12-24 China Unionpay Co., Ltd. Terminal mobile, procédé et système pour télécharger des informations de carte de banque ou des informations d'application de paiement
IL190986A (en) * 2008-04-17 2016-05-31 Uri Halevi A smart card for making more secure credit transactions
EP2304663A2 (fr) 2008-05-14 2011-04-06 Fundamo (Pty) Ltd Système de paiement pour commerce mobile

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
GB2328310A (en) * 1996-05-15 1999-02-17 Ho Keung Tse Electronic transaction authorisation system
US5883810A (en) * 1997-09-24 1999-03-16 Microsoft Corporation Electronic online commerce card with transactionproxy number for online transactions
WO2000049586A1 (fr) * 1999-02-18 2000-08-24 Orbis Patents Limited Systeme et procede de carte de credit
WO2000062214A1 (fr) * 1999-04-08 2000-10-19 Cleartogo.Com Technique de securite pour carte de credit
WO2001056352A2 (fr) * 2000-04-19 2001-08-09 Magicaxess Procede et dispositif de paiement electronique

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* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
FI100137B (fi) * 1994-10-28 1997-09-30 Vazvan Simin Reaaliaikainen langaton telemaksujärjestelmä
TW355899B (en) * 1997-01-30 1999-04-11 Qualcomm Inc Method and apparatus for performing financial transactions using a mobile communication unit
FI109505B (fi) * 1997-03-24 2002-08-15 Fd Finanssidata Oy Pankkipalvelujen käyttö digitaalisessa solukkoradiojärjestelmässä
AU9362498A (en) * 1997-09-17 1999-04-05 Akos Andrasev Method for checking rightful use of a debit card or similar means giving right of disposing of a bank account
SE516066C2 (sv) * 1999-01-20 2001-11-12 Netcom Ab Metod, system och nätverksnod för tillhandahållande av tjänster på Internet
FI112286B (fi) * 2000-01-24 2003-11-14 Smarttrust Systems Oy Maksupalvelulaitteisto ja menetelmä turvalliseksi maksamiseksi
WO2001055921A1 (fr) * 2000-01-28 2001-08-02 Fundamo (Proprietary) Limited Systeme d'enregistrement de donnees concernant des informations personnelles et ses utilisations

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
GB2328310A (en) * 1996-05-15 1999-02-17 Ho Keung Tse Electronic transaction authorisation system
US5883810A (en) * 1997-09-24 1999-03-16 Microsoft Corporation Electronic online commerce card with transactionproxy number for online transactions
WO2000049586A1 (fr) * 1999-02-18 2000-08-24 Orbis Patents Limited Systeme et procede de carte de credit
WO2000062214A1 (fr) * 1999-04-08 2000-10-19 Cleartogo.Com Technique de securite pour carte de credit
WO2001056352A2 (fr) * 2000-04-19 2001-08-09 Magicaxess Procede et dispositif de paiement electronique

Cited By (21)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US8229855B2 (en) 2002-08-27 2012-07-24 Jean Huang Method and system for facilitating payment transactions using access devices
EP1647952A3 (fr) * 2002-08-27 2006-05-10 Visa International Service Association Procédé et système pour faciliter des transactions de paiement en utilisant des appareils d'accès
US7571141B2 (en) 2002-08-27 2009-08-04 Visa U.S.A. Inc. Method and system for facilitating payment transactions using access devices
US8010453B2 (en) 2002-08-27 2011-08-30 Visa U.S.A. Inc. Method and system for facilitating payment transactions using access devices
US7711621B2 (en) 2002-08-27 2010-05-04 Visa U.S.A. Inc. Method and system for facilitating payment transactions using access devices
US8924299B2 (en) 2002-08-27 2014-12-30 Visa U.S.A. Inc. Method and system for facilitating payment transactions using access devices
US7280981B2 (en) 2002-08-27 2007-10-09 Visa U.S.A. Inc. Method and system for facilitating payment transactions using access devices
EP1647952A2 (fr) * 2002-08-27 2006-04-19 Visa International Service Association Procédé et système pour faciliter des transactions de paiement en utilisant des appareils d'accès
US7024396B2 (en) 2003-12-10 2006-04-04 Ncr Corporation Transaction system and method of conducting a point-of-sale transaction between a merchant and a consumer using a wireless platform
EP1544822A1 (fr) * 2003-12-10 2005-06-22 Ncr International Inc. Système de transaction et procédé de réalisation de transactions de point-de-vente entre un marchand et un consommateur en utilisant une plate-forme sans fil
JP2007523405A (ja) * 2004-01-23 2007-08-16 マスターカード インターナシヨナル インコーポレーテツド 安全な電話およびコンピュータのトランザクションのためのシステムおよび方法
WO2006106405A1 (fr) * 2005-04-05 2006-10-12 The Standard Bank Of South Africa Limited Procede et dispositif d'authentification d'un utilisateur de dispositif terminal de reseau
WO2006123174A3 (fr) * 2005-05-19 2007-01-18 Affle Ltd Procede et systeme d'elargissement de l'utilisation et/ou de l'application de systemes de messagerie
US8050694B2 (en) 2005-05-19 2011-11-01 Affle Limited Method and system for extending the use and/or application of messaging systems
WO2006123174A2 (fr) 2005-05-19 2006-11-23 Affle Limited Procede et systeme d'elargissement de l'utilisation et/ou de l'application de systemes de messagerie
US9723443B2 (en) 2005-08-12 2017-08-01 Virginia Innovation Sciences Inc. System and method for providing locally applicable internet content with secure action requests and item condition alerts
US9456346B2 (en) 2006-07-25 2016-09-27 Virginia Innovation Science, Inc Method and system for improving client server transmission over fading channel with wireless location and authentication technology via electromagnetic radiation
CZ299351B6 (cs) * 2007-07-26 2008-07-02 Direct Pay, S.R.O. Zpusob provádení platební transakce s využitím mobilního terminálu
WO2012030836A2 (fr) * 2010-09-03 2012-03-08 Visa International Service Association Protection d'inscription expresse par demande d'accès
WO2012030836A3 (fr) * 2010-09-03 2012-08-16 Visa International Service Association Protection d'inscription expresse par demande d'accès
CN107464109B (zh) * 2017-07-28 2020-10-20 中国工商银行股份有限公司 可信移动支付装置、系统和方法

Also Published As

Publication number Publication date
FI20002734A (fi) 2002-03-05
AU2001284074A1 (en) 2002-03-22
WO2002021767A1 (fr) 2002-03-14
FI20002734A0 (fi) 2000-12-13
GB2366432A (en) 2002-03-06
EP1348185A1 (fr) 2003-10-01
GB0021671D0 (en) 2000-10-18
AU2001284077A1 (en) 2002-03-22

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