WO2002084548A1 - Electronic settling system - Google Patents

Electronic settling system Download PDF

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Publication number
WO2002084548A1
WO2002084548A1 PCT/JP2002/002027 JP0202027W WO02084548A1 WO 2002084548 A1 WO2002084548 A1 WO 2002084548A1 JP 0202027 W JP0202027 W JP 0202027W WO 02084548 A1 WO02084548 A1 WO 02084548A1
Authority
WO
WIPO (PCT)
Prior art keywords
terminal
settling system
reader
authenticated
transaction
Prior art date
Application number
PCT/JP2002/002027
Other languages
French (fr)
Japanese (ja)
Inventor
Keiichi Nakajima
Original Assignee
Eleven Point Two Inc
Keiichi Nakajima
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 claimed from PCT/JP2001/003130 external-priority patent/WO2002084546A1/en
Application filed by Eleven Point Two Inc, Keiichi Nakajima filed Critical Eleven Point Two Inc
Priority to JP2002582419A priority Critical patent/JPWO2002084548A1/en
Publication of WO2002084548A1 publication Critical patent/WO2002084548A1/en

Links

Classifications

    • 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
    • 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
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/363—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user
    • 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
    • G07F7/0866—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 by active credit-cards adapted therefor
    • 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
    • G07F7/0873—Details of the card reader
    • G07F7/088—Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself
    • G07F7/0886—Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself the card reader being portable for interacting with a POS or ECR in realizing a payment transaction

Landscapes

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

Abstract

An electronic settling system enhanced in security against a combination of apparatuses, typically comprising a normal credit card-use card reader (30) connected to a mobile phone (20) used as a transaction terminal at a store, the terminal being authenticated by sending a card reader ID to a settling server (100) in addition to a user ID and a terminal ID. When authenticated successfully, servers (100) (400) carry out a credit transaction. A connection-controlling, ID-carrying adapter may be placed between the reader and the terminal. Or, an ID base may be encrypted.
PCT/JP2002/002027 2001-04-11 2002-03-05 Electronic settling system WO2002084548A1 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
JP2002582419A JPWO2002084548A1 (en) 2001-04-11 2002-03-05 Electronic payment system, payment server, card reader, terminal system, connection device, information communication system, information management device, authentication system, authentication server, payment method, communication method, information transmission method, information management method, authentication method, program, and recoding media

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
PCT/JP2001/003130 WO2002084546A1 (en) 2001-04-11 2001-04-11 Electronic settling system
JPPCT/JP01/03130 2001-04-11
PCT/JP2001/007108 WO2002084547A1 (en) 2001-04-11 2001-08-17 Electronic settling system
JPPCT/JP01/07108 2001-08-17

Publications (1)

Publication Number Publication Date
WO2002084548A1 true WO2002084548A1 (en) 2002-10-24

Family

ID=26345063

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/JP2002/002027 WO2002084548A1 (en) 2001-04-11 2002-03-05 Electronic settling system

Country Status (1)

Country Link
WO (1) WO2002084548A1 (en)

Cited By (77)

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JP2004252588A (en) * 2003-02-18 2004-09-09 Oki Electric Ind Co Ltd Card payment system and cellular phone program therefor
JP2006293747A (en) * 2005-04-12 2006-10-26 Nippon Telegraph & Telephone East Corp Management server and management method
JP2007087321A (en) * 2005-09-26 2007-04-05 Matsushita Electric Works Ltd Use authentication system for electronic device
JP2007512595A (en) * 2003-11-26 2007-05-17 ポイント オブ ペイ プロプライエタリー リミテッド Secure payment system
JP2007334521A (en) * 2006-06-13 2007-12-27 Junko Suginaka Device and method for customer management
JP2008511060A (en) * 2004-08-18 2008-04-10 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 Method and apparatus for authenticating a transaction using a dynamic authentication code
JP2008242922A (en) * 2007-03-28 2008-10-09 Casio Comput Co Ltd Authentication device, authentication system, and program
JP2009508269A (en) * 2005-09-13 2009-02-26 ユニロック／ベリロック エルエルシー Security system for transactions
JP2009251649A (en) * 2008-04-01 2009-10-29 Olympus Corp Server system, electronic equipment, communication terminal, and authentication method
JP2009289063A (en) * 2008-05-29 2009-12-10 It Cars Co Ltd Electronic settlement apparatus and electronic settlement method
US8429733B2 (en) 2008-08-19 2013-04-23 Sharp Kabushiki Kaisha Authentication system, terminal and information processing device, having function of performing stable authentication
JP2013080385A (en) * 2011-10-04 2013-05-02 Royal Gate Inc Settlement system, first terminal, second terminal, and data center
JP2013541105A (en) * 2010-10-13 2013-11-07 スクエア インコーポレイテッド System and method for financial transactions through a miniaturized card reader with decryption on a seller's mobile device
JP5485452B1 (en) * 2012-08-02 2014-05-07 エヌ・ティ・ティ・コミュニケーションズ株式会社 Key management system, key management method, user terminal, key generation management device, and program
US9047598B1 (en) 2009-06-10 2015-06-02 Square, Inc. Systems and methods for financial transaction through card reader in communication with third party financial institution with encrypted information
US9135618B1 (en) 2009-06-10 2015-09-15 Square, Inc. Decoding systems with a decoding engine running on a mobile device and using financial transaction card information to create a send funds application on the mobile device
US9195454B2 (en) 2013-11-27 2015-11-24 Square, Inc. Firmware management
US9224142B2 (en) 2002-02-05 2015-12-29 Square, Inc. Card reader with power efficient architecture that includes a power supply and a wake up circuit
US9230143B2 (en) 2013-12-11 2016-01-05 Square, Inc. Bidirectional audio communication in reader devices
US9256770B1 (en) 2014-07-02 2016-02-09 Square, Inc. Terminal case with integrated reader and shortened base
US9256769B1 (en) 2014-02-25 2016-02-09 Square, Inc. Mobile reader device
US9262757B2 (en) 2002-02-05 2016-02-16 Square, Inc. Method of transmitting information from a card reader with a power supply and wake-up circuit to a mobile device
US9262777B2 (en) 2002-02-05 2016-02-16 Square, Inc. Card reader with power efficient architecture that includes a wake-up circuit
US9286635B2 (en) 2002-02-05 2016-03-15 Square, Inc. Method of transmitting information from efficient communication protocol card readers to mobile devices
US9305314B2 (en) 2002-02-05 2016-04-05 Square, Inc. Methods of transmitting information to mobile devices using cost effective card readers
US9324100B2 (en) 2002-02-05 2016-04-26 Square, Inc. Card reader with asymmetric spring
US9355285B1 (en) 2015-02-12 2016-05-31 Square, Inc. Tone-based wake up circuit for card reader
JP2016119109A (en) * 2016-01-20 2016-06-30 株式会社ロイヤルゲート Settlement system, first terminal, second terminal, and data center
USD762651S1 (en) 2014-06-06 2016-08-02 Square, Inc. Mobile device case
US9436955B2 (en) 2009-06-10 2016-09-06 Square, Inc. Methods for transferring funds using a payment service where financial account information is only entered once with a payment service and need not be re-entered for future transfers
US9454866B2 (en) 2010-10-13 2016-09-27 Square, Inc. Method of conducting financial transactions where a payer's financial account information is entered only once with a payment system
US9495676B2 (en) 2002-02-05 2016-11-15 Square, Inc. Method of transmitting information from a power efficient card to a mobile device
US9495677B2 (en) 2009-06-10 2016-11-15 Square, Inc. Decoding systems with a decoding engine running on a mobile device and coupled to a payment system that includes identifying information of second parties qualified to conduct business with the payment system
US9576159B1 (en) 2011-01-24 2017-02-21 Square, Inc. Multiple payment card reader system
US9582795B2 (en) 2002-02-05 2017-02-28 Square, Inc. Methods of transmitting information from efficient encryption card readers to mobile devices
US9619797B2 (en) 2010-10-13 2017-04-11 Square, Inc. Payment methods with a payment service and tabs selected by a first party and opened by a second party at an geographic location of the first party's mobile device
US9633236B1 (en) 2013-12-11 2017-04-25 Square, Inc. Power harvesting in reader devices
JP2017513167A (en) * 2014-03-25 2017-05-25 アイアグゼプト リミテッド Remote transaction system, method and POS terminal
US9760740B1 (en) 2014-06-23 2017-09-12 Square, Inc. Terminal case with integrated dual reader stack
US9799025B2 (en) 2014-08-19 2017-10-24 Square, Inc. Energy harvesting bidirectional audio interface
US9916581B2 (en) 2002-02-05 2018-03-13 Square, Inc. Back end of payment system associated with financial transactions using card readers coupled to mobile devices
US10304043B1 (en) 2014-05-21 2019-05-28 Square, Inc. Multi-peripheral host device
US10373144B1 (en) 2015-05-13 2019-08-06 Square, Inc. Transaction payment processing by multiple data centers
US10402807B1 (en) 2017-02-28 2019-09-03 Square, Inc. Estimating interchange fees for card payments
US10410021B1 (en) 2017-12-08 2019-09-10 Square, Inc. Transaction object reader with digital signal input/output and internal audio-based communication
US10504093B1 (en) 2014-05-06 2019-12-10 Square, Inc. Fraud protection based on presence indication
US10592903B2 (en) 2011-11-22 2020-03-17 Square, Inc. Authorization of cardless payment transactions
US10621590B2 (en) 2017-02-22 2020-04-14 Square, Inc. Line-based chip card tamper detection
US10635820B1 (en) 2017-09-29 2020-04-28 Square, Inc. Update policy-based anti-rollback techniques
US10692088B1 (en) 2014-02-18 2020-06-23 Square, Inc. Performing actions based on the location of a mobile device during a card swipe
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US10733588B1 (en) 2014-06-11 2020-08-04 Square, Inc. User interface presentation on system with multiple terminals
US10753982B2 (en) 2014-12-09 2020-08-25 Square, Inc. Monitoring battery health of a battery used in a device
US10762196B2 (en) 2018-12-21 2020-09-01 Square, Inc. Point of sale (POS) systems and methods with dynamic kernel selection
US10810570B1 (en) 2019-09-30 2020-10-20 Square, Inc. Point of sale device with cradle for mobile computing device
US10817869B2 (en) 2016-06-29 2020-10-27 Square, Inc. Preliminary enablement of transaction processing circuitry
USD905059S1 (en) 2018-07-25 2020-12-15 Square, Inc. Card reader device
US10902406B1 (en) 2013-03-14 2021-01-26 Square, Inc. Verifying proximity during payment transactions
US10937019B2 (en) 2016-06-08 2021-03-02 Square, Inc. Wireless communication system with auxiliary antenna
US10949189B2 (en) 2017-06-28 2021-03-16 Square, Inc. Securely updating software on connected electronic devices
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US9582795B2 (en) 2002-02-05 2017-02-28 Square, Inc. Methods of transmitting information from efficient encryption card readers to mobile devices
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US9224142B2 (en) 2002-02-05 2015-12-29 Square, Inc. Card reader with power efficient architecture that includes a power supply and a wake up circuit
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US9858603B2 (en) 2002-02-05 2018-01-02 Square, Inc. Card reader with power efficient architecture that includes a wake-up circuit
US9324100B2 (en) 2002-02-05 2016-04-26 Square, Inc. Card reader with asymmetric spring
US9916581B2 (en) 2002-02-05 2018-03-13 Square, Inc. Back end of payment system associated with financial transactions using card readers coupled to mobile devices
JP2004252588A (en) * 2003-02-18 2004-09-09 Oki Electric Ind Co Ltd Card payment system and cellular phone program therefor
JP2012089143A (en) * 2003-11-26 2012-05-10 Point Of Pay Pty Ltd Secure payment system
JP2007512595A (en) * 2003-11-26 2007-05-17 ポイント オブ ペイ プロプライエタリー リミテッド Secure payment system
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JP2008511060A (en) * 2004-08-18 2008-04-10 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 Method and apparatus for authenticating a transaction using a dynamic authentication code
JP2006293747A (en) * 2005-04-12 2006-10-26 Nippon Telegraph & Telephone East Corp Management server and management method
JP2009508269A (en) * 2005-09-13 2009-02-26 ユニロック／ベリロック エルエルシー Security system for transactions
JP2007087321A (en) * 2005-09-26 2007-04-05 Matsushita Electric Works Ltd Use authentication system for electronic device
JP2007334521A (en) * 2006-06-13 2007-12-27 Junko Suginaka Device and method for customer management
JP2008242922A (en) * 2007-03-28 2008-10-09 Casio Comput Co Ltd Authentication device, authentication system, and program
JP2009251649A (en) * 2008-04-01 2009-10-29 Olympus Corp Server system, electronic equipment, communication terminal, and authentication method
JP2009289063A (en) * 2008-05-29 2009-12-10 It Cars Co Ltd Electronic settlement apparatus and electronic settlement method
US8429733B2 (en) 2008-08-19 2013-04-23 Sharp Kabushiki Kaisha Authentication system, terminal and information processing device, having function of performing stable authentication
US9135618B1 (en) 2009-06-10 2015-09-15 Square, Inc. Decoding systems with a decoding engine running on a mobile device and using financial transaction card information to create a send funds application on the mobile device
US9047598B1 (en) 2009-06-10 2015-06-02 Square, Inc. Systems and methods for financial transaction through card reader in communication with third party financial institution with encrypted information
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US9436955B2 (en) 2009-06-10 2016-09-06 Square, Inc. Methods for transferring funds using a payment service where financial account information is only entered once with a payment service and need not be re-entered for future transfers
US9443237B2 (en) 2009-06-10 2016-09-13 Square, Inc. Systems and methods for financial transaction through card reader in communication with third party financial institution with encrypted information
US9619797B2 (en) 2010-10-13 2017-04-11 Square, Inc. Payment methods with a payment service and tabs selected by a first party and opened by a second party at an geographic location of the first party's mobile device
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US11797972B1 (en) 2013-03-14 2023-10-24 Block, Inc. Verifying information through multiple device interactions
US10902406B1 (en) 2013-03-14 2021-01-26 Square, Inc. Verifying proximity during payment transactions
US11803841B1 (en) 2013-10-29 2023-10-31 Block, Inc. Discovery and communication using direct radio signal communication
US9195454B2 (en) 2013-11-27 2015-11-24 Square, Inc. Firmware management
US9230143B2 (en) 2013-12-11 2016-01-05 Square, Inc. Bidirectional audio communication in reader devices
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