WO2014097328A1 - Procédé et appareil permettant de transférer une somme d'argent au moyen d'un code d'image bidimensionnel - Google Patents

Procédé et appareil permettant de transférer une somme d'argent au moyen d'un code d'image bidimensionnel Download PDF

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Publication number
WO2014097328A1
WO2014097328A1 PCT/IT2012/000386 IT2012000386W WO2014097328A1 WO 2014097328 A1 WO2014097328 A1 WO 2014097328A1 IT 2012000386 W IT2012000386 W IT 2012000386W WO 2014097328 A1 WO2014097328 A1 WO 2014097328A1
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WO
WIPO (PCT)
Prior art keywords
payment
party
mobile phone
authorization
money amount
Prior art date
Application number
PCT/IT2012/000386
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English (en)
Other versions
WO2014097328A8 (fr
Inventor
Cosmo DI TUCCI
Original Assignee
Cavaterra, Marco
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 Cavaterra, Marco filed Critical Cavaterra, Marco
Priority to CA2894482A priority Critical patent/CA2894482C/fr
Priority to PCT/IT2012/000386 priority patent/WO2014097328A1/fr
Priority to AU2012397548A priority patent/AU2012397548A1/en
Publication of WO2014097328A1 publication Critical patent/WO2014097328A1/fr
Publication of WO2014097328A8 publication Critical patent/WO2014097328A8/fr
Priority to AU2019226138A priority patent/AU2019226138B2/en

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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
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking 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
    • G06Q20/223—Payment schemes or models based on the use of peer-to-peer 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
    • G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
    • G06Q20/3255—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks using mobile network messaging services for payment, e.g. SMS
    • 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
    • G06Q20/3274—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
    • 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
    • G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07G—REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
    • G07G1/00—Cash registers
    • G07G1/0036—Checkout procedures
    • G07G1/0045—Checkout procedures with a code reader for reading of an identifying code of the article to be registered, e.g. barcode reader or radio-frequency identity [RFID] reader
    • G07G1/0081—Checkout procedures with a code reader for reading of an identifying code of the article to be registered, e.g. barcode reader or radio-frequency identity [RFID] reader the reader being a portable scanner or data reader

Definitions

  • the POS is a device utilized in the shops, which allows to accept payments by means of credit cards, debit cards and prepaid cards.
  • the devices connected with the elaboration centre of a bank or banks group offering the service, so that the relevant debit on the current account of the enabled subject and the credit on the seller current account are authorized.
  • debit or credit cards can undergo data interceptions and therefore cloning; besides, there are passages from hand to hand which imply that the seller gains knowledge of the personal details of the buyer.
  • Japan patent application number JP 200210942 A tries to overcome this drawbacks by providing a money transfer method and relevant system which provide the use of a cellular phone.
  • the POS is a two-dimension code identifying a money amount to be paid on a terminal screen; the mobile phone of the buyer captures, using its camera, the product code from the POS and sends a payment request to the transfer terminal of the bank.
  • the transfer terminal of the bank sends the required bank transfer to the POS and to the mobile phone together with information that the bank transfer has been effected.
  • Document US2008222048 describes a payment system wherein there are information fluxes between three parties of the transaction: the seller (with his POS), the buyer (with his mobile phone), and a server of the payment system (bank or similar).
  • the seller when he has to carry out a transaction for selling one or more products, requires, by POS, a bar code to the payment system managed by the server.
  • the server sends the bar code to the POS of the seller.
  • the seller prints and provides it to the buyer, who captures the bar code by a mobile device and sends, by SMS, to the same server.
  • An information exchange begins to verify the identity of the buyer.
  • the server sends to the seller a notification of effected payment, with which the seller can close the sale and deliver the goods and purchase receipt.
  • This method has the drawback that it needs the use of the POS and occupies the server with many information exchanges, what can be critical in some periods in the year because of the enormous amount of required transactions.
  • An object of the present disclosure is to allow the transfer of a money amount by using a two dimension image code, the transfer having characteristics of efficiency, security and privacy compliancy that cannot be reached with the prior art.
  • an object of the present disclosure is to allow the transfer of a money amount between two persons, wherein the seller, i.e. the one that should be paid, does not have a POS at its disposal.
  • an object of the present invention is to allow the transfer of a money amount between two persons, wherein the buyer does not have a credit or debit card.
  • a method for transferring a money amount by using a two-dimension image code between a paying party provided with a payment device and a recipient party provided with a reception payment device comprising:
  • the method being characterized in that said payment device and said reception payment device are mobile phones, and in that:
  • step B the recipient party generates a two-dimension image code on the display of the reception payment mobile phone
  • step B the payment mobile phone of the paying party captures the two-dimension image code from the display of the recipient party mobile phone;
  • step C the paying party sends to the server via the payment mobile phone an encrypted authorization SMS message, the encrypted authorization SMS message including data contained in the two-dimension image code, comprising the indication of said money amount,
  • the server receives said encrypted authorization SMS message and authorizes or not the payment of the money amount, the recipient party mobile phone of the recipient party restricting itself in step B to the visualization of said two-dimension code, without sending any relevant information to the money transfer managing entity.
  • the server in case of authorization to the payment in step D, sends a confirmation of effected payment by means of two confirmation SMS, one directed to the payment mobile phone and the other one directed to the reception payment mobile phone.
  • the registration of step A of the paying party and the recipient party on the server of the money transfer managing entity includes the generation by the server of relevant unique codes called user-ID and assigned to the same paying party and recipient party, the definition of personal details data, account data, payment modes and payment limits, the type of user account, i.e. prepaid or credit card, the request of a I D-S MS utilized for validating the authorization SMS during the authorization to the payment, definition of an alteration code to generate an authorization PIN and an alteration method used to encrypt a protection key for the PIN, generation of a random key to protect the PIN, and definition of a data structure of the two-dimension image code of step B
  • step D includes the identification of the user who accesses the service on the basis of the information given in step B.
  • the writing off or cancellation of the last effected transaction occurs upon request of the paying party by the generation of a QR-code provided to the recipient party, which confirms the writing off or cancellation by authorization PIN, and wherein the two confirmation SMS confirm the effected writing off, guaranteeing to both parties the execution of the operation and the subsequent the restoration of the previous situation in the respective accounts.
  • the two-dimension image code generated on the display of the reception payment mobile contains the user-ID retrieved from a "personal details” archive as well as information retrieved from an "operations" archive residing on the reception payment mobile phone.
  • the two-dimension image code presented by the reception party mobile phone and captured by the payment mobile phone provides as guarantee of the privacy the only user-ID of the recipient party, an operation number, the money amount, the payment mobile phone number.
  • the payment mobile phone visualizes on the display the transaction money amount and requests the typing of the authorization PIN, extracts from a "personal details" archive the user-ID of the paying party, extracts from a "keys” archive the encryption key for the authorization PIN, encrypts the authorization PIN, composes an authorization SMS message and sends it to the server.
  • the only payment mobile phone receives a SMS of refusal to effect the payment in case of a wrong PIN, blocked user profile, exceeding of an expense limit, funds shortage, lack of authorization from a bank and/or credit card system.
  • the two-dimension image code is a QR code, "Quick response code”.
  • the payment of the money amount by remote transactions is possible, i.e. when the payment mobile phone is far away from the reception payment mobile phone, and wherein the paying party activates the transaction unilaterally by choosing among the receipt parties in a list, or by typing the mobile telephone number or the ID of the recipient party, the money amount to be credited, the payment reason and the authorization PIN.
  • a system for transferring a money amount between a paying party and a recipient party by using a two-dimension image code wherein a payment device of the paying party and a reception payment device of the recipient party are provided, as well as a server of money transfer managing entity, wherein:
  • said payment device and reception payment device are mobile phones both provided with a display and at least a camera,
  • a recipient party software module is installed; which is set up to create a two-dimension bar code
  • a paying party software module is installed, which is set up to analyze said two-dimension image code and to send to said server a SMS for authorization to payment of the money amount;
  • - on the server of the money transfer managing entity there is:
  • a managing software module which allows registration and management of new users, blocking and unblocking of transaction service, management of security parameters values and encryption keys, and manages a payment authorizing step, as well as a module managing the reception and sending of SMS, by means of a connection to a SMS forward device;
  • said paying party software module, said recipient party software module and said managing software module being set up to execute the steps of the method according to an aspect of the invention.
  • said paying party software module and said recipient party software module are present on both reception payment mobile phone and payment mobile phone, making both mobiles phones adapted to execute the role of paying party or recipient party indifferently.
  • Fig. 1 is a schematic diagram of the components of the system for the transfer of a money amount according to an aspect of present disclosure
  • FIG. 2 is a block diagram of the user registration step in the method according to an aspect of the present disclosure
  • FIG. 3 is a block diagram of the transfer of a money amount between users in the method according to an aspect of the present disclosure
  • Fig. 4 is a block diagram of the user registration step in the mobile phone in the method according to an aspect of the present disclosure
  • FIG. 5 is a block diagram of the selling step in the mobile phone of the recipient party in the method according to an aspect of the present disclosure.
  • FIG. 6 is a block diagram of the buying step in the mobile phone of the paying party in the method according to one aspect of the present disclosure
  • FIG. 7(a) and Fig. 7(b) show respectively figure 3 of US2008222048 and a diagram of an aspect of the present disclosure.
  • the method for the transfer of a money amount by using a two- dimension image code that allows two mobile phones to perform a selling/buying transaction or a fund transfer, in any place covered by a mobile telephone service, between accounts registered at a managing authority.
  • the two mobile phones are registered on a control server wherein a suitable software module is installed; on the two mobile phones a modular software application has been installed beforehand, which is described in the following.
  • the two mobile phones can perform indifferently and alternatively the selling or buying function, so that there will be a recipient party and a paying party; and therefore, the two mobile phones have the same module program application installed thereon.
  • the privacy is guaranteed by the only use of a user unique identifier, that cannot traced back to the personal data of the user itself.
  • additional software and hardware resources is provided, which are already in the market and described in the following.
  • Fig. 1 is a schematic view of the components for the system for the transfer of a money amount according to the present disclosure, it is indicated by 1 a computer or any other device that can be used for the web surfing and is provided with a display, such as a laptop, notebook, handheld computer, tablet computer, a smartphone.
  • a central server is indicated, which is placed at the managing entity end, the managing entity managing user accounts and in general the money transfers.
  • a suitable software application is installed, as described in the following.
  • a SMS Gateway 8 is provided, which allows the reception and transmission of a SMS.
  • a SMS transmitter/receiver can be provided, i.e. a hardware device that can be connected to the central server 2.
  • a mobile telephone network indicated by reference 9 is needed, wherein mobile phones provided with video camera or even a simple camera operate, as the one indicated generically with reference 4 in Fig. 1.
  • a software application is installed which is described in the following and allows the access to the companies of the credit cards by a credit card Gateway 6, a further software interfacing the bank system by a bank system Gateway 7, and the World Wide Web 5.
  • a 2- dimension image code in the particular case a QR code (Quick Response Code).
  • a SMS module residing on the central server 2, which manages the reception and transmission of necessary SMS messages through mobile telephone network 9, by means of information exchange with the SMS transmission module or SMS Gateway 8;
  • a bank module residing on the central server 2, which manages the information exchange with the credit card Gateway 6 and, respectively, with the bank system Gateway 7.
  • the central module comprises a part dedicated to the management and verification of the user and a part relevant to the authorization step for the purchase or found transfer.
  • the central module comprises also a SMS management module, that interfaces with at least a modem for the sending of SMS, and a bank module which manages the transaction according to the paying party request.
  • Fig. 2 is a block diagram of the user registration step in the method according to the present disclosure.
  • - user account type (prepaid or credit card);
  • the central server 2 registers the new user and generates a key to encrypt the PIN for payment transaction, by a two-dimension image code 3.
  • the data will be downloaded on the mobile phone together with the application, comprised in a security archive exactly utilized for their installation.
  • the data are typed in a secure web environment, and the two- dimension image code 3 is sent through the World Wide Web 5 again to the user and to the screen of his computer 1 , in order that it can be captured directly by the video camera or camera of the mobile phone 4 of the (other) user.
  • the application i.e. the mobile phone software module on the mobile phone 4 of the user, decrypts and registers the received data.
  • the data cannot be intercepted since the not visible.
  • the keying of the code and alteration method on the mobile phone is requested; in such a way, the user who has input the information on the central server 2 is only able to acquire them correctly on the mobile phone.
  • a further numerical code will be provided that can be used only one time and will allow the activation of the application.
  • the user by connecting to the webpage of server, can decide autonomously, for as many times as he wishes, to block and unblock the account and the relevant profile, to change the security codes and the entered data. He can moreover look through the balance of his account and the list of the carried-out operations.
  • FIG. 3 is a block diagram of the operation of money amount transfer between users according to the present disclosure, the authorization step during the sale or purchase step, or generically the step of transferring a money amount between two users is illustrated.
  • the seller sets the purchase price on his mobile phone 41 and by means of his mobile software module generates the two-dimensional image code containing his identifier and the amount that is visualized on the display of the mobile phone 41.
  • the buyer captures the two-dimension image code by the camera of his mobile phone 42, whereon the same mobile software module is installed.
  • the money amount of the transaction is visualized and the authorization PIN needed for the authorization is required.
  • the verification of the authorization PIN provides that the authorization PIN travels within the SMS sent by the buyer, the data are all encrypted of course.
  • An encrypted SMS is then sent from the mobile phone 42 through the mobile telephone network 9.
  • the central server 2 receives the request by SMS from the mobile phone 42, decrypts the SMS and forwards the authorization request to the bank Gateway 7 or credit card Gateway 6, depending on the gateway specified by the user during the registration step, or it authorizes locally if the account type is a prepaid account.
  • the software on the central server 2 accesses the user archive. If the profile is blocked, it denies the service; otherwise the software module on the client side retrieves the security parameter values, and decrypts and verifies the authorization PIN (if the remote verification is provided).
  • the software on the central server 2 verifies the expense limit and the availability of the account, and authorizes or not the payment on the basis of the carried-out controls.
  • the central server 2 sends two SMS, one to the mobile phone 41 of the seller and the other one to the mobile phone 42 of the buyer, for confirming or denying the transaction.
  • the SMS module acquires from SMS reception device (the above- mentioned at least a modem, for example) or from the Gateway 8 the incoming messages and writes them in a "requests” archive, reads from “responses” archive the outgoing messages and forwards them to be SMS sending device (the above-mentioned at least a modem, for example) or to the Gateway 8.
  • the bank module receives from the Gateway 7 of the bank system the top-up orders, normally bank transfer orders, in the prepaid user account, forwards the authorization requests in case of an account associated to credit or debit cards to the gateway 6 of the credit card companies or bank system, receives the authorizations or refusals to the service execution.
  • the top-up orders normally bank transfer orders, in the prepaid user account
  • Fig. 4 illustrates the registration data acquisition step for the user registration to the service, as contained in the QR-code
  • Fig. 5 and 6 which illustrate the sale operation in the mobile phone of the recipient party and, respectively, the operation of purchase in the mobile phone of the paying party are shown according to another aspect of the method according to the present disclosure.
  • the user acquires on the display 10 of the mobile phone 41 or 42 the two-dimension image code 3 from the software module of the central server 2.
  • the registration is carried out, wherein the alteration number (arbitrarily chosen by the user) and the alteration method (that the user chooses in a web page dedicated to the registration to the service) are decrypted and saved in a "personal details" archive 14 and a "keys" archive 15.
  • the mobile phone 41 (Fig. 5) of the seller requires in block 17 the typing of the money amount that he should receive, generates the image code containing the user-ID retrieved from the "personal details" archive 14, besides some information that characterize the transaction and are retrieved from a "operations" archive 16 and prepares in the sale block 12 the image prepared on the display 10 of the mobile phone 41.
  • the mobile phone 42 of the buyer by means of video camera or camera, captures the image visualized on the mobile phone 41 of the seller, extracts from it the user-ID of the seller, the operation number and the money amount (charge), visualizes on the display the charge of the operation and requires the typing of the authorization PIN in purchase block 13, extracts from the "personal details" archive 14 the user-ID of the buyer, extracts from the "keys” archive 15 the decryption key of the authorization PIN.
  • the verification of the authorization PIN is carried out on the mobile phone, otherwise it is encrypted and sent with the SMS of authorization request. Then, it composes the SMS message and sends it to the central service 2.
  • Both the mobile phones 41 and 42 receive in any case a SMS that confirms or refuses the required operation.
  • the only buyer mobile phone 42 receives a SMS in the following cases: wrong PIN, blocked profile, blocked account, exceeding of the expense limit, fund shortage, absence of authorization by the bank system and credit card systems.
  • Both the mobile phones can, by using a provided function, send a SMS to block or unblock the service. They can moreover interrogate the transactions archive and know the balance or delays of the effected operations, both for purchases and sales.
  • the POS and the cards can be completely substituted and each customer can, with an only device, carry out the functions of POS (sale) and card (purchase). Moreover, the payment tool is in the hands of the paying party (buyer), whilst with the credit card the seller has the payment tool (the same credit card) for the payment itself.

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

Abstract

L'invention concerne un procédé permettant de transférer une somme d'argent au moyen d'un code d'image bidimensionnel. Elle prévoit que l'enregistrement des parties de transfert affectées par une entité de gestion génère un code d'image bidimensionnel contenant des données d'enregistrement et de sécurité. De plus, la demande de la partie destinataire adressée à la partie payante de la somme d'argent est effectuée au moyen d'un code d'image bidimensionnel généré sur l'écran d'un téléphone mobile de la partie destinataire ; l'ordre de paiement délivré par la partie payante à l'entité de gestion pour payer ladite somme d'agent comprend la capture du code d'image bidimensionnel provenant de l'écran de la partie destinataire et l'envoi à la partie de gestion d'un message SMS crypté comprenant les données contenues dans le code d'image bidimensionnel, la réception du message SMS crypté s'effectuant par le biais d'un serveur central de la partie de gestion qui transfère ou non la demande d'autorisation du paiement de la somme d'argent. L'invention concerne également un système pertinent. Dans certains modes de réalisation, le code d'image est un code QR (code Quick Response). Les téléphones mobiles peuvent exécuter à la fois les fonctions d'acheteur et de vendeur.
PCT/IT2012/000386 2012-12-19 2012-12-19 Procédé et appareil permettant de transférer une somme d'argent au moyen d'un code d'image bidimensionnel WO2014097328A1 (fr)

Priority Applications (4)

Application Number Priority Date Filing Date Title
CA2894482A CA2894482C (fr) 2012-12-19 2012-12-19 Procede et appareil permettant de transferer une somme d'argent au moyen d'un code d'image bidimensionnel
PCT/IT2012/000386 WO2014097328A1 (fr) 2012-12-19 2012-12-19 Procédé et appareil permettant de transférer une somme d'argent au moyen d'un code d'image bidimensionnel
AU2012397548A AU2012397548A1 (en) 2012-12-19 2012-12-19 Method and apparatus for the transfer of a money amount by using a two-dimension image code
AU2019226138A AU2019226138B2 (en) 2012-12-19 2019-09-03 Method and apparatus for the transfer of a money amount by using a two-dimension image code

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/IT2012/000386 WO2014097328A1 (fr) 2012-12-19 2012-12-19 Procédé et appareil permettant de transférer une somme d'argent au moyen d'un code d'image bidimensionnel

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WO2014097328A1 true WO2014097328A1 (fr) 2014-06-26
WO2014097328A8 WO2014097328A8 (fr) 2014-07-17

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Cited By (5)

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CN105279469A (zh) * 2015-09-15 2016-01-27 重庆智韬信息技术中心 实现二维码业务的定向授权方法
CN106790051A (zh) * 2016-12-19 2017-05-31 杭州信雅达数码科技有限公司 一种基于mb连接的手机银行安全协议
CN108269088A (zh) * 2018-01-25 2018-07-10 信利光电股份有限公司 一种移动支付方法和移动支付装置
CN113194419A (zh) * 2021-04-30 2021-07-30 中国银行股份有限公司 基于5g消息和人脸识别的卡销户方法及系统
WO2024220081A1 (fr) * 2023-04-21 2024-10-24 Visa International Service Association Chiffrement dynamique pour entrée sécurisée de numéro d'identification personnel

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AU2012397548A1 (en) 2015-06-11
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CA2894482C (fr) 2020-12-29
WO2014097328A8 (fr) 2014-07-17
CA2894482A1 (fr) 2014-06-26

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