CN1165878C - Method of, and system for, effecting cashless transactions and device for use in such system - Google Patents
Method of, and system for, effecting cashless transactions and device for use in such system Download PDFInfo
- Publication number
- CN1165878C CN1165878C CNB988015854A CN98801585A CN1165878C CN 1165878 C CN1165878 C CN 1165878C CN B988015854 A CNB988015854 A CN B988015854A CN 98801585 A CN98801585 A CN 98801585A CN 1165878 C CN1165878 C CN 1165878C
- Authority
- CN
- China
- Prior art keywords
- nonvolatile memory
- memory devices
- monetary data
- main website
- treating apparatus
- Prior art date
- Legal status (The legal status 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 status listed.)
- Expired - Fee Related
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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
- G06Q20/30—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
- G06Q20/04—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
- G06Q20/04—Payment circuits
- G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
-
- 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]
- G06Q20/3221—Access to banking information through M-devices
Landscapes
- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- General Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Computer Networks & Wireless Communication (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)
- Cash Registers Or Receiving Machines (AREA)
- Mobile Radio Communication Systems (AREA)
Abstract
A method of, and system for, effecting a cashless transaction in which payment is effected through the agency of a device (12) comprising a point-to-point radio transceiver, such as a two-way pager, having non-volatile storage means (56) containing data, such as a monetary units or credit card data, required in the execution of the transaction. The monetary units are credited to the device by an over-the-air transmission and are deducted at the point of sale. A credit card sale is effected over-the-air with a primary station (10) coupled to a suitable data base (18).
Description
Technical field
The present invention relates to realize the method and system of cashless transactions and the equipment that in this system, uses.The present invention is applied to especially by the electric transmission of monetary unit or by the payment of transaction with credit realization to goods and/or service, but does not get rid of other application.
Background technology
European patent EP-B-0 538 933 discloses the storer that download of information is advanced a pager from a plug-in card.This information for example can comprise on basis hourly the prepayment credit unit that use spent by pager itself.
Smart card itself is used in a lot of application, comprises according to the credit unit of storage in advance paying in cash.Smart card have with card Writing/Reading equipment in the electric contact that matches of corresponding contact, the amount of money in the nonvolatile memory that the user selects to want electricity be loaded into card is supposed (in credit) that the user is always creditable.The user just can use credit card to pay little transaction by smart card being inserted card reader then, and the operator deducts necessary cash number from the nonvolatile memory of smart card.Though proved smart card in a lot of fields, particularly be of great use aspect the payment of money transaction, but their defective is the user and always they must be put into a suitable Writing/Reading equipment so that they are borrowed more monetary unit or deduction monetary unit are arranged.
The payment of being undertaken by credit card or need show card in the point of sale by the user perhaps for example provide card number and expiration data by phone.Dealer usually checks, to obtain the approval to related transaction.
Disclosure of the Invention
An object of the present invention is to be convenient to carry out financial transaction.
According to one aspect of the present invention, a kind of method that realizes cashless transactions is provided, comprise the following steps:
(a) show that one comprises having the Nonvolatile memory devices that is included in the monetary data consumed unit quantity required in the execution cashless transactions, be used for changing the treating apparatus of the monetary data unit quantity that is stored in Nonvolatile memory devices and the single devices of wireless transmitter
(b) pay with realization by the monetary data consumed that is stored at least one unit of deduction in the monetary data the Nonvolatile memory devices from those,
(c) to a long-range main website relaying transaction detailed catalogue and the detailed catalogue of will concluding the business,
(d) described transaction detailed catalogue is stored in the Nonvolatile memory devices,
(e) but refill consumption data in the Nonvolatile memory devices by sending a request message to main website by described single devices,
(f) main website confirms whether described request message is true, and if be true, just can consume monetary data and give requesting service as radio signal transmission, and
(g) but the consumption data that will receive shift and to be stored in the Nonvolatile memory devices.
If desired, but can monitor the rank (level) that is stored in the consumption data in the Nonvolatile memory devices, when it reaches or is lower than a threshold value of selecting in advance, produce one automatically and be full of signal again.
According to a second aspect of the invention, a kind of system that is used to realize cashless transactions is provided, this system comprises a main website and at least one secondary station, described main website has and is used to be connected to one and can consumes the device in monetary data source and be used for sending when needed the radio transmission apparatus that comprises the information that can consume monetary data, described secondary station comprises that has a Nonvolatile memory devices that is included in the monetary data consumed unit quantity required in the execution transaction, be used for changing the monetary data unit quantity that is stored in Nonvolatile memory devices and be used for producing the treating apparatus of the message that requires main website to fill up the monetary data that is stored in Nonvolatile memory devices again and be used for by radio and main website communicate in case be implemented at least one secondary station monetary data transmission and with read the station and communicate so that realize and the equipment of the wireless transmitter of the supplier's of products ﹠ services non-cash transaction.
According to a third aspect of the invention we, a kind of pair station of using in the cashless transactions system is provided, comprise that one has and is included in the Nonvolatile memory devices of carrying out monetary data required in the cashless transactions, be used for changing the treating apparatus of the monetary data unit quantity that is stored in Nonvolatile memory devices and be used for by radio and main website and read the station communicating so that realize and the single devices of the wireless transmitter of the supplier's of products ﹠ services cashless transactions.
Brief Description Of Drawings
Below with reference to the accompanying drawings with formal specification the present invention of embodiment, wherein:
Fig. 1 is the block scheme according to an embodiment of system of the present invention; And
Fig. 2 is to use the synoptic diagram of equipment.
Realize pattern of the present invention
System shown in Figure 1 comprises at least one main website that places the fixed position 10 and a plurality of movable equipment or secondary station 12, has shown one of them secondary station in the drawings in detail.Main website 10 comprises an input interface 14 that links to each other with an external data base 18 by land line 16, and wherein external data base 18 can comprise bank and/or credit card center.In level 20, the input information of input interface 14 is being encoded under the control of controller 22 or encrypting the row formatization of going forward side by side.Can be according to paging signal agreement, for example CCIR radio paging sign indicating number No.1 (perhaps the being called POCSAG) formatted data of known type.According to the POCSAG agreement, the secondary station address that coded message will be sent to is attached to the front of this message, and the address of all pagers that will operate in this system is stored in the addressed memory 24.To encode and formatted message offers a transmitter 26, from here with message as point-to-point downgoing signal by antenna 28 with get involved diplexer 30 and propagate.
Detect any uplink radio signal of main website 10 by antenna 28, and pass to a receiver 32 by diplexer 30.In code translator 34, the signal that receives is separated mediation decoding.These are offered database 18 from an output interface 36 that also links to each other with land line 16 for the message of database 18 appointments.
Secondary station 12 comprises an antenna 38 that links to each other with receiver stage 40.The output of receiver stage 40 links to each other with a code translator 42, and code translator is deciphered the signal that receives, and is decrypted in appropriate circumstances, then its output is sent to a microcontroller 44.Microcontroller 44 is operated according to being stored in a program in the ROM (read-only memory) 46.The output of microcontroller 44 is connected respectively to the display driver 48 of LCD screen 50, by pronunciation equipment, the random access memory 54 that is used for storing message and a nonvolatile memory 56 of loudspeaker 52 representatives, but wherein nonvolatile memory 56 storages by consumption data and/or the credit number of transmitter 26 from database 18 relayings.An artificial/machine interface that comprises keyboard 58 links to each other with microcontroller 44.An IRDA sensor is used for linking to each other with microcontroller 44 with the electric contact 60 of reader device butt joint with one group.Microcontroller 44 links to each other with the transmitter 62 that output is connected to antenna 38.
In a kind of pattern of operation, secondary station is used as a common pager that is used for the character digital massage.Because this pattern is known in the art, here be not described in detail, but, quote the handbook " Book of the CCIR Radio-Paging Code No.1 " announced by the radio paging code standard group Secretariat of London Britain Telecom as a reference for complete cause.
In second kind of pattern, secondary station 12 is equivalent to a smart card, can storing various information use in order to later in its nonvolatile memory 56.Secondary station can be used as an electronic cash card job, and wherein the currency unit is loaded into nonvolatile memory 56 by the wireless radio transmission from main website 10.In a kind of structure, the user by means of operation keyboard 58 suitably can LCD shield show on 50 he or she be intended for after use be loaded into the amount of cash of nonvolatile memory 56.This can be by showing several default amount of money, selecting one of them to realize by the user with cursor.After having selected the amount of money, microcontroller 44 is with a request message formatization, and increase user's PIN code.Request message is transmitted to receiver 32 in the main website 10 as point-to-point signal by transmitter 62.This signal can be with a PRBS pseudo-random bit sequence emission.Message is deciphered, checked PIN number according to relevant with address in the addressed memory 24 PIN number.If determine that this request message is true message, then send a request by output interface 36 to database 18 by controller 22.It is creditable that database 18 is checked through user's account No., and hypothesis sends an amount of money permission to input interface 14.Controller 22 will show that the message that will borrow to user's the monetary unit amount of money takes out with PIN number, and enclose station address.20 pairs of message digital coding of scrambler and format send it to transmitter 26, and transmitter 26 sends to secondary station as point-to-point signal with the suitable frame of POCSAG message with it.
Battery save agreement according to paging system is powered to pair station 12, and when receiver 40 receives a transmission, in code translator 42 decodings, send it to microcontroller 40, checking that this message issues this specific secondary station, and as an add-on security inspection with PIN number be assigned to one of this pager carrier and compare for PIN number.If two check results all are gratifying, then monetary unit is transferred to nonvolatile memory 56.
After this, pair can be stood and 12 be used as a smart card, can or read station deduction by airborne radio and be kept at monetary unit in the nonvolatile memory 56 by a suitable infrared data (IRDA) or smart card, and by borrowing electronic money unit and reduce the number of holding in the nonvolatile memory 56 and realize payment to goods or ISP simultaneously.
Lower or when having used up when the number of monetary unit, the user then asks more monetary unit is borrowed pair station into him, supposes that he is creditable at database 18.Because a kind of like this operation may produce and make the impatient time delay of user, can make secondary station be in a kind of automatic cash loading pattern.In this pattern, the monetary unit number of microcontroller 44 monitoring in storer 56, and with this number with one in advance the threshold value of selection compare.When the unit number had been reduced to the value that is equal to or less than threshold value, microcontroller 44 produced a request message, and this message is transmitted to main website 10 by transmitter 62.Identical with the front, this message is deciphered and confirmed, suppose that it is genuine finding this request, then requested database discharges the monetary unit that will borrow to the predetermined number at this specific secondary station.The user can be apprised of the number of the monetary unit of preserving by adopting the current remaining sum of keyboard request in storer 56, what can also obtain showing on screen 50 be nearest transaction at least.The user can also can provide visit to the current state of user's bank account by main website requested database 18.This message need be used the PIN code.
Overdrawed and no longer given under the situation of further fiduciary loan at user account, database 18 can start message of generation, by the main website relaying, make that the paging smart card is invalid, and make microcontroller 44 generations in the secondary station and launch a message of confirming that clearly this paging smart card is invalid.
Can be by the paging smart card being delivered to bank or being made it effective again by airborne transmission of messages.
The pair station lose or stolen situation under, in response to losing or stolen notice, can make its use that is under an embargo with an airborne message that sends by main website 10.
When pair station 12 is used as credit card, show secondary station in the point of sale, from importing the detailed catalogue of institute's planned selling or transaction here.Detailed catalogue, for example card number and expiry date and the user PIN of the credit card of these detailed catalogues in being stored in nonvolatile memory 56 are sent to main website 10, and main website 10 gives database 18 as the credit card center with its relaying.At database 18, can not make user account surpass its credit restriction to the amount of money that will debt and check that talk about if no, database 18 passes through main website 10 from sending a transaction approval to this equipment in the air.The dealer of point of sale notifies this transaction effective immediately, and finishes sale.On the contrary, if thereby for example since the restriction of user's credit is exceeded or this card owing to losing or stolenly having been reported the loss the invalid transaction of being planned that disapproves that becomes, then notify dealer immediately, thereby also can not finish sales transactions.
The detailed catalogue and the restriction of current fixing credit of all purchases of being carried out can also be stored in secondary station 12.This information can conveniently be presented on the LCD screen 50 with the user.
Fig. 2 has shown the pair station 12 on the IRDA of point of sale reader 64.The point-to-point message of long-range main website 10 usefulness communicates with secondary station.Shown database 18 links to each other with main website 10.
Suppose that secondary station 12 also is used as the promotional card (loyaltycard) in a supermarket 66, supermarket computing machine 68 links to each other with main website 10 with IRDA reader 64.Connection 70 to IRDA reader 64 makes the purchase of calculating function monitoring client, gives preferential punctuate, and is given a discount in due course.Supermarket 66 can notify all or selected client about special supply, new product, service newly or the service that changes etc. by the radio link between main website and the secondary station, client can subscribe or buy goods by means of up-link, payment or deducted by credit card deduction or monetary unit when collecting money afterwards and pay when subscribing.
In addition, when the user buys travel tickets or theater ticket by phone or electronics mode, can pay by airborne spread, and needn't arrive the point of sale, transaction evidence is stored in the nonvolatile memory.
By of the present invention open, other modifications become apparent to those skilled in the art.This modification may relate in the design of data transmission device and parts thereof, manufacturing and use known and can be with superseded feature or other features except that the feature that this paper has described.
Practicality
Realize the method and system of cash transaction in cash-free mode.
Claims (8)
1. a method that realizes cashless transactions comprises the following steps:
(a) show that one comprises to have and is used for being stored in the Nonvolatile memory devices of carrying out the required monetary data the consumed unit quantity of cashless transactions, be used for changing the treating apparatus of the monetary data unit quantity that is stored in Nonvolatile memory devices and the single devices of wireless transmitter
(b) pay with realization by the monetary data consumed that is stored at least one unit of deduction in the monetary data the Nonvolatile memory devices from those,
(c) to a long-range main website relaying transaction detailed catalogue,
(d) described transaction detailed catalogue is stored in the Nonvolatile memory devices,
(e) but refill consumption data in the Nonvolatile memory devices by sending a request message to main website by described single devices,
(f) main website confirms whether described request message is true, and if be true, just can consume monetary data and give requesting service as radio signal transmission, and
(g) but the consumption data of the transmission that will receive be stored in the Nonvolatile memory devices.
2. the method for claim 1, it is characterized in that, the rank of the monetary data consumed in the described treating apparatus monitoring Nonvolatile memory devices, when described rank reached or be lower than a threshold level of selecting in advance, described treating apparatus produced solicited message automatically and sends this request message to main website.
3. the method for claim 1 is characterized in that, forbids the operation of described equipment by RI radio intelligence.
4. system that is used to realize cashless transactions, this system comprises a main website and at least one secondary station, described main website has and is used to be connected to one and can consumes the device in monetary data source and be used for sending when needed the radio transmission apparatus that comprises the information that can consume monetary data, described secondary station comprises that has a Nonvolatile memory devices that is included in the monetary data consumed unit quantity required in the execution cashless transactions, be used for changing the monetary data unit quantity that is stored in Nonvolatile memory devices and be used for producing the treating apparatus of the message that requires main website to fill up the monetary data that is stored in Nonvolatile memory devices again and be used for by radio and main website communicate in case be implemented at least one secondary station monetary data transmission and with read the station and communicate so that realize and the single devices of the wireless transmitter of the supplier's of products ﹠ services non-cash transaction.
5. system as claimed in claim 4, it is characterized in that treating apparatus comprises the device of the Board Lot that is used for monitoring the current monetary data consumed that is kept at Nonvolatile memory devices, and described treating apparatus is equal to or less than a least unit quantity of selecting in advance in response to current Board Lot and produces a requirement how consumable monetary data number of messages of generation and this message is sent to main website.
6. pair station of in the cashless transactions system, using, comprise that one has and is included in the Nonvolatile memory devices of carrying out monetary data required in the cashless transactions, be used for changing the treating apparatus of the monetary data unit quantity that is stored in Nonvolatile memory devices and be used for by radio and main website and read the station communicating so that realize and the single devices of the wireless transmitter of the supplier's of products ﹠ services cashless transactions.
7. secondary station as claimed in claim 6, it is characterized in that treating apparatus comprises the device of the Board Lot that is used for monitoring the current monetary data consumed that is kept at Nonvolatile memory devices, and described treating apparatus is equal to or less than a least unit quantity of selecting in advance in response to current Board Lot and produces a requirement how consumable monetary data number of messages of generation and this message is sent to main website.
8. secondary station as claimed in claim 6 is characterized in that can realizing cashless transactions by suitable terminal device by being connected to the infrared data sensor and/or the smart card of described treating apparatus.
Applications Claiming Priority (5)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| GBGB9718214.1A GB9718214D0 (en) | 1997-08-29 | 1997-08-29 | Method of,and system for,transferring consumable data to a non-volatile memory and a secondary station for use in such a system |
| GB9718214.1 | 1997-08-29 | ||
| GBGB9719768.5A GB9719768D0 (en) | 1997-08-29 | 1997-09-18 | Method of,and system for,effecting cashless transactions and a device for use in such a system |
| GB9719768.5 | 1997-09-18 | ||
| PCT/IB1998/001185 WO1999012136A1 (en) | 1997-08-29 | 1998-08-03 | Method of, and system for, effecting cashless transactions and a device for use in such a system |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN1242852A CN1242852A (en) | 2000-01-26 |
| CN1165878C true CN1165878C (en) | 2004-09-08 |
Family
ID=26312137
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CNB988015854A Expired - Fee Related CN1165878C (en) | 1997-08-29 | 1998-08-03 | Method of, and system for, effecting cashless transactions and device for use in such system |
Country Status (5)
| Country | Link |
|---|---|
| EP (1) | EP0935793A1 (en) |
| JP (1) | JP2001505698A (en) |
| CN (1) | CN1165878C (en) |
| TW (1) | TW434518B (en) |
| WO (1) | WO1999012136A1 (en) |
Families Citing this family (19)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US6041314A (en) * | 1997-12-22 | 2000-03-21 | Davis; Walter Lee | Multiple account portable wireless financial messaging unit |
| US6311167B1 (en) * | 1997-12-22 | 2001-10-30 | Motorola, Inc. | Portable 2-way wireless financial messaging unit |
| IES990584A2 (en) | 1999-07-12 | 2000-07-12 | Mainline Corporate Holdings | Dynamic currency conversion for card payment systems |
| US7239226B2 (en) | 2001-07-10 | 2007-07-03 | American Express Travel Related Services Company, Inc. | System and method for payment using radio frequency identification in contact and contactless transactions |
| US7889052B2 (en) * | 2001-07-10 | 2011-02-15 | Xatra Fund Mx, Llc | Authorizing payment subsequent to RF transactions |
| EP1098271A1 (en) * | 1999-11-03 | 2001-05-09 | Kim, Seon-seob | Portable phone set installing non touch-type IC |
| US7716082B1 (en) | 2000-08-24 | 2010-05-11 | Gilbarco, Inc. | Wireless payment mat device and method for retail environments |
| EP1249995A2 (en) * | 2001-04-12 | 2002-10-16 | Siemens Aktiengesellschaft | Optimised recharging of prepaid accounts |
| US7360689B2 (en) | 2001-07-10 | 2008-04-22 | American Express Travel Related Services Company, Inc. | Method and system for proffering multiple biometrics for use with a FOB |
| US9024719B1 (en) | 2001-07-10 | 2015-05-05 | Xatra Fund Mx, Llc | RF transaction system and method for storing user personal data |
| US9454752B2 (en) | 2001-07-10 | 2016-09-27 | Chartoleaux Kg Limited Liability Company | Reload protocol at a transaction processing entity |
| US7249112B2 (en) | 2002-07-09 | 2007-07-24 | American Express Travel Related Services Company, Inc. | System and method for assigning a funding source for a radio frequency identification device |
| US7735725B1 (en) | 2001-07-10 | 2010-06-15 | Fred Bishop | Processing an RF transaction using a routing number |
| US9031880B2 (en) | 2001-07-10 | 2015-05-12 | Iii Holdings 1, Llc | Systems and methods for non-traditional payment using biometric data |
| EP1282087A1 (en) * | 2001-08-02 | 2003-02-05 | Alcatel | Method for executing electronic money transactions between terminals of participants in a communication network; associated transaction server and program module |
| US6805287B2 (en) | 2002-09-12 | 2004-10-19 | American Express Travel Related Services Company, Inc. | System and method for converting a stored value card to a credit card |
| EP1774488A4 (en) | 2004-07-12 | 2010-05-19 | Fexco | Direct currency conversion |
| US7552867B2 (en) * | 2006-03-15 | 2009-06-30 | Qualcomm Incorporated | M-commerce virtual cash system, method, and apparatus |
| US10558961B2 (en) | 2007-10-18 | 2020-02-11 | Wayne Fueling Systems Llc | System and method for secure communication in a retail environment |
Family Cites Families (8)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CA2054836A1 (en) * | 1991-08-14 | 1993-02-15 | William F. Gorog | Home financial transaction system |
| KR0125095B1 (en) * | 1991-12-13 | 1997-12-15 | 다니이 아끼오 | Data transfer method |
| US6169890B1 (en) * | 1992-11-11 | 2001-01-02 | Sonera Smarttrust Oy | Mobile telephone system and method for carrying out financial transactions using a mobile telephone system |
| ITPD930063A1 (en) * | 1993-03-19 | 1994-09-19 | Marino Convento | ELECTRONIC TERMINAL-PORTFOLIO |
| US5884292A (en) * | 1993-05-06 | 1999-03-16 | Pitney Bowes Inc. | System for smart card funds refill |
| FI100137B (en) * | 1994-10-28 | 1997-09-30 | Vazvan Simin | Real-time wireless telecom payment system |
| SE506506C2 (en) * | 1995-04-11 | 1997-12-22 | Au System | Electronic transaction terminal, telecommunication system including an electronic transaction terminal, smart card as electronic transaction terminal and method of transferring electronic credits |
| JPH09212565A (en) * | 1996-02-07 | 1997-08-15 | Nec Corp | Radio portable terminal system |
-
1998
- 1998-08-03 JP JP51648099A patent/JP2001505698A/en not_active Ceased
- 1998-08-03 WO PCT/IB1998/001185 patent/WO1999012136A1/en active IP Right Grant
- 1998-08-03 EP EP98933854A patent/EP0935793A1/en not_active Ceased
- 1998-08-03 CN CNB988015854A patent/CN1165878C/en not_active Expired - Fee Related
- 1998-08-10 TW TW087113122A patent/TW434518B/en not_active IP Right Cessation
Also Published As
| Publication number | Publication date |
|---|---|
| WO1999012136A1 (en) | 1999-03-11 |
| TW434518B (en) | 2001-05-16 |
| JP2001505698A (en) | 2001-04-24 |
| EP0935793A1 (en) | 1999-08-18 |
| CN1242852A (en) | 2000-01-26 |
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