WO2012090074A3 - Terminal authenticity verification - Google Patents
Terminal authenticity verification Download PDFInfo
- Publication number
- WO2012090074A3 WO2012090074A3 PCT/IB2011/003344 IB2011003344W WO2012090074A3 WO 2012090074 A3 WO2012090074 A3 WO 2012090074A3 IB 2011003344 W IB2011003344 W IB 2011003344W WO 2012090074 A3 WO2012090074 A3 WO 2012090074A3
- Authority
- WO
- WIPO (PCT)
- Prior art keywords
- payment
- secure
- capabilities
- above architecture
- implement
- Prior art date
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
- G06Q20/38—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
-
- 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
- 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
- G07F7/0806—Details of the card
- G07F7/0813—Specific details related to card security
Landscapes
- Engineering & Computer Science (AREA)
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- Computer Security & Cryptography (AREA)
- Finance (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Computer Networks & Wireless Communication (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Cash Registers Or Receiving Machines (AREA)
Abstract
Methods and systems for improving non-bank payment solutions through terminal authenticity verification. One group of improvements uses the secure payment capabilities of the above architecture to implement a bill payment system. Electronic payments from consumers who are not bank customers are now completely secure. A variety of methods are discussed to include non-banking consumers in this payment system. Another group of improvements uses the secure payment capabilities of the above architecture to implement a payroll system which allows non-banking or unbankable employees (or contractors or vendors) to receive electronic payment, and to easily reroute portions of their payments electronically to various destinations. The secure transaction capabilities of the above architecture make this possible.
Priority Applications (3)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
EP11854421.2A EP2695121A2 (en) | 2010-12-30 | 2011-12-30 | Terminal authenticity verification |
SG2013072996A SG194001A1 (en) | 2010-12-30 | 2011-12-30 | Terminal authenticity verification |
CN201180068848.2A CN103548047A (en) | 2010-12-30 | 2011-12-30 | Terminal authenticity verification |
Applications Claiming Priority (4)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US201061428244P | 2010-12-30 | 2010-12-30 | |
US201061428245P | 2010-12-30 | 2010-12-30 | |
US61/428,245 | 2010-12-30 | ||
US61/428,244 | 2010-12-30 |
Publications (2)
Publication Number | Publication Date |
---|---|
WO2012090074A2 WO2012090074A2 (en) | 2012-07-05 |
WO2012090074A3 true WO2012090074A3 (en) | 2012-11-01 |
Family
ID=46383578
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
PCT/IB2011/003344 WO2012090074A2 (en) | 2010-12-30 | 2011-12-30 | Terminal authenticity verification |
Country Status (4)
Country | Link |
---|---|
EP (1) | EP2695121A2 (en) |
CN (1) | CN103548047A (en) |
SG (1) | SG194001A1 (en) |
WO (1) | WO2012090074A2 (en) |
Families Citing this family (5)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US20160057168A1 (en) * | 2013-04-15 | 2016-02-25 | Tactegic Holdings Pty Limited | System and methods for efficient network security adjustment |
CN105590206B (en) * | 2014-11-26 | 2020-10-23 | 中国银联股份有限公司 | Method for verifying terminal authenticity in electronic cash transaction |
CN105760750B (en) * | 2016-02-01 | 2019-06-14 | 北京华胜天成科技股份有限公司 | Software tamper Detection method and system |
US11651352B2 (en) | 2016-07-15 | 2023-05-16 | Visa International Service Association | Digital asset distribution by transaction device |
CN109087096B (en) * | 2018-07-19 | 2020-12-15 | 中国联合网络通信集团有限公司 | Block chain account checking method, device, equipment and storage medium |
Citations (4)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
WO2004008399A2 (en) * | 2002-07-12 | 2004-01-22 | Mainline Corporate Holdings Limited | Methods and systems for effecting payment card transactions |
US20060149667A1 (en) * | 2002-09-04 | 2006-07-06 | European Tax Free Shopping Limited | Method and system for transferring funds |
KR20070109130A (en) * | 2006-05-09 | 2007-11-15 | 강원대학교산학협력단 | Id card and system for certification of id card and method thereof |
KR20080062608A (en) * | 2006-12-29 | 2008-07-03 | 노틸러스효성 주식회사 | Method of recognizing a card by an image scan in atm |
Family Cites Families (4)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
AU2829795A (en) * | 1994-06-21 | 1996-01-15 | Renee Keller | Modular optical memory card image display point of sale terminal |
US20020107797A1 (en) * | 2000-12-13 | 2002-08-08 | Combaluzier Pierre Michel | Electronic remittance transfer from a merchant's smart card to a consumer loyalty smart card identified by a transaction authorization code |
NZ535788A (en) * | 2002-04-03 | 2008-12-24 | First Data Corp | Systems and methods for performing transactions at a point-of-sale |
KR20070103046A (en) * | 2005-02-04 | 2007-10-22 | 소프트뱅크비비 가부시키가이샤 | Electronic money settling system, and electronic money settling method |
-
2011
- 2011-12-30 SG SG2013072996A patent/SG194001A1/en unknown
- 2011-12-30 WO PCT/IB2011/003344 patent/WO2012090074A2/en active Application Filing
- 2011-12-30 EP EP11854421.2A patent/EP2695121A2/en not_active Withdrawn
- 2011-12-30 CN CN201180068848.2A patent/CN103548047A/en active Pending
Patent Citations (4)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
WO2004008399A2 (en) * | 2002-07-12 | 2004-01-22 | Mainline Corporate Holdings Limited | Methods and systems for effecting payment card transactions |
US20060149667A1 (en) * | 2002-09-04 | 2006-07-06 | European Tax Free Shopping Limited | Method and system for transferring funds |
KR20070109130A (en) * | 2006-05-09 | 2007-11-15 | 강원대학교산학협력단 | Id card and system for certification of id card and method thereof |
KR20080062608A (en) * | 2006-12-29 | 2008-07-03 | 노틸러스효성 주식회사 | Method of recognizing a card by an image scan in atm |
Also Published As
Publication number | Publication date |
---|---|
CN103548047A (en) | 2014-01-29 |
SG194001A1 (en) | 2013-11-29 |
WO2012090074A2 (en) | 2012-07-05 |
EP2695121A2 (en) | 2014-02-12 |
Similar Documents
Publication | Publication Date | Title |
---|---|---|
WO2017054016A3 (en) | System and method for settling multiple payees from a single electronic and/or check payment | |
WO2008150808A3 (en) | Atm system for receiving cash deposits from non-networked clients | |
WO2009124204A3 (en) | Third-party methods and systems for managing merchant validation screening | |
WO2008153766A3 (en) | Method and system for processing financial transactions using multiple financial accounts | |
WO2008018052A3 (en) | Secure mechanism and system for processing financial transactions | |
EP2733653A3 (en) | Consumer operated kiosks for purchasing items online and associated systems and methods | |
GB2465089A (en) | Fraud protection | |
WO2009146111A3 (en) | Mobile telephone transaction systems and methods | |
WO2006127969A3 (en) | Method and system for facilitating network transaction processing | |
MY164715A (en) | Electronic currency and authentication system and method | |
WO2007148234A3 (en) | System and method for authenticating a customer's identity and completing a secure credit card transaction without the use of a credit card number | |
WO2012090074A3 (en) | Terminal authenticity verification | |
WO2007103940A3 (en) | Least cost network routing for electronic transactions | |
PH12019500619A1 (en) | Bill validation and cash dispensing device, system and method for use in a casino context | |
WO2010091238A3 (en) | Push payment system and method including billing file exchange | |
WO2009154867A3 (en) | Handling payment receipts with a receipt store | |
WO2010143823A3 (en) | Electronic money payment system and electronic money payment method | |
WO2008092010A3 (en) | Payer direct hub | |
WO2014085478A3 (en) | Systems and methods for processing electronic transactions based on consumer characteristics | |
WO2009137076A3 (en) | A one card system | |
WO2010074978A3 (en) | System and method for providing dispute resolution for electronic payment transactions | |
WO2007085905A3 (en) | Secure electronic payment system and methods | |
NZ606895A (en) | Systems and methods for the payment of customer bills utilizing payment platform of biller | |
WO2008147234A3 (en) | Turnover controller | |
MX362174B (en) | Systems and methods for real-time account access. |
Legal Events
Date | Code | Title | Description |
---|---|---|---|
121 | Ep: the epo has been informed by wipo that ep was designated in this application |
Ref document number: 11854421 Country of ref document: EP Kind code of ref document: A2 |
|
NENP | Non-entry into the national phase |
Ref country code: DE |
|
WWE | Wipo information: entry into national phase |
Ref document number: 12013501605 Country of ref document: PH |
|
REEP | Request for entry into the european phase |
Ref document number: 2011854421 Country of ref document: EP |