DE60139018D1 - Zahlungsverfahren mit sicheren datenkommunikationen - Google Patents

Zahlungsverfahren mit sicheren datenkommunikationen

Info

Publication number
DE60139018D1
DE60139018D1 DE60139018T DE60139018T DE60139018D1 DE 60139018 D1 DE60139018 D1 DE 60139018D1 DE 60139018 T DE60139018 T DE 60139018T DE 60139018 T DE60139018 T DE 60139018T DE 60139018 D1 DE60139018 D1 DE 60139018D1
Authority
DE
Germany
Prior art keywords
servers
data communications
payment procedure
safe data
transactions
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 - Lifetime
Application number
DE60139018T
Other languages
English (en)
Inventor
Cedric Remy
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Individual
Original Assignee
Individual
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 Individual filed Critical Individual
Application granted granted Critical
Publication of DE60139018D1 publication Critical patent/DE60139018D1/de
Anticipated expiration legal-status Critical
Expired - Lifetime legal-status Critical Current

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
    • 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
    • G06Q20/30—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]
    • G06Q20/3229—Use of the SIM of a M-device as secure element
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • 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
    • G06Q20/403—Solvency checks
    • G06Q20/4037—Remote solvency checks
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
    • G06Q20/425—Confirmation, e.g. check or permission by the legal debtor of payment using two different networks, one for transaction and one for security confirmation

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Security & Cryptography (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Coloring Foods And Improving Nutritive Qualities (AREA)
  • Distillation Of Fermentation Liquor, Processing Of Alcohols, Vinegar And Beer (AREA)
  • Pharmaceuticals Containing Other Organic And Inorganic Compounds (AREA)
  • Devices For Checking Fares Or Tickets At Control Points (AREA)
  • Radar Systems Or Details Thereof (AREA)
  • Data Exchanges In Wide-Area Networks (AREA)
DE60139018T 2000-10-25 2001-10-25 Zahlungsverfahren mit sicheren datenkommunikationen Expired - Lifetime DE60139018D1 (de)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
FR0013708A FR2815745B1 (fr) 2000-10-25 2000-10-25 Procede de paiement par telematique securise
PCT/FR2001/003322 WO2002035486A1 (fr) 2000-10-25 2001-10-25 Procede de paiement par telematique securise

Publications (1)

Publication Number Publication Date
DE60139018D1 true DE60139018D1 (de) 2009-07-30

Family

ID=8855741

Family Applications (1)

Application Number Title Priority Date Filing Date
DE60139018T Expired - Lifetime DE60139018D1 (de) 2000-10-25 2001-10-25 Zahlungsverfahren mit sicheren datenkommunikationen

Country Status (7)

Country Link
US (1) US8645271B2 (de)
EP (1) EP1330798B1 (de)
AT (1) ATE434241T1 (de)
AU (1) AU2002214109A1 (de)
DE (1) DE60139018D1 (de)
FR (1) FR2815745B1 (de)
WO (1) WO2002035486A1 (de)

Families Citing this family (37)

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US6847953B2 (en) 2000-02-04 2005-01-25 Kuo James Shaw-Han Process and method for secure online transactions with calculated risk and against fraud
GB0103416D0 (en) * 2001-02-12 2001-03-28 Nokia Networks Oy Message authentication
GB0206552D0 (en) * 2002-03-20 2002-05-01 Koninkl Philips Electronics Nv Computer systems and a related method for enabling a prospective buyer to browse a vendor's webside to purchase goods or services
DE10246124A1 (de) * 2002-10-01 2004-04-15 T-Mobile Deutschland Gmbh SIM-Karte für den Betrieb mit einem Endgerät eines Mobilkommunikationsnetzes
US7395319B2 (en) * 2003-12-31 2008-07-01 Checkfree Corporation System using contact list to identify network address for accessing electronic commerce application
TW200602984A (en) * 2004-02-23 2006-01-16 Nec Corp Data writing apparatus, method, and program for portable terminal memory
CN100376117C (zh) * 2004-10-21 2008-03-19 杭州波导软件有限公司 以短信方式收集移动通信终端身份数据的方法
US20060143132A1 (en) 2004-11-30 2006-06-29 Valenti William L Method and apparatus to enable a market in used digital content
EP1902414A2 (de) * 2005-06-06 2008-03-26 SMS. AC, Inc. Gebührenberechnungssystem und verfahren für miktrotransaktionen
US20070260556A1 (en) * 2005-06-06 2007-11-08 Michael Pousti System and method for verification of identity for transactions
EP1922883A2 (de) * 2005-09-07 2008-05-21 SMS. AC, Inc. Automatische rechnungsstellung- und verteilungsplattform für anwendungsanbieter
US8090699B2 (en) * 2006-03-08 2012-01-03 Sms.Ac, Inc. Automatic generation of application pod
US20080287095A1 (en) * 2006-03-20 2008-11-20 Sms.Ac Systems and methods for generation, registration and mobile phone billing of a network-enabled application with one-time opt-in
US20070244831A1 (en) * 2006-04-18 2007-10-18 Kuo James Shaw-Han System and method for secure online transaction
US20080052373A1 (en) * 2006-05-01 2008-02-28 Sms.Ac Systems and methods for a community-based user interface
US20090024614A1 (en) * 2006-09-06 2009-01-22 Sms.Ac Systems and methods for online content searching
US20100146259A1 (en) * 2007-01-25 2010-06-10 Tatham Adrian M Multi factor authorisations utilising a closed loop information management system
AU2009231676B2 (en) 2008-04-02 2013-10-03 Twilio Inc. System and method for processing telephony sessions
US8837465B2 (en) 2008-04-02 2014-09-16 Twilio, Inc. System and method for processing telephony sessions
US8180705B2 (en) * 2008-04-30 2012-05-15 Intuit Inc. Method and apparatus for initiating a funds transfer using a mobile device
KR20110084400A (ko) * 2008-08-26 2011-07-22 어댑티브 페이먼츠, 인코포레이티드 안전 결재 처리 시스템 및 방법
EP2189932B1 (de) * 2008-11-24 2020-07-15 BlackBerry Limited Elektronisches Bezahlsystem unter Verwendung einer mobilen drahtlosen Kommunikationsvorrichtung und zugehörige Verfahren
TW201025156A (en) * 2008-12-24 2010-07-01 Ind Tech Res Inst Intellectual property management method and intellectual property bank system
TR200908280A2 (tr) * 2009-11-03 2011-02-21 Kartek Kart Ve B�L���M Tekno.T�C.Ltd. �T�. Yüksek güvenliğe sahip bir mobil ödeme metodu ve bu metoda ilişkin yetkilendirme sistemi
US10339525B2 (en) 2011-10-27 2019-07-02 Boom! Payments, Inc. Confirming local marketplace transaction consummation for online payment consummation
US8271394B1 (en) * 2011-10-27 2012-09-18 Bogaard Erik T Confirming local marketplace transaction consummation for online payment consummation
US8737962B2 (en) 2012-07-24 2014-05-27 Twilio, Inc. Method and system for preventing illicit use of a telephony platform
US20140279469A1 (en) * 2013-03-12 2014-09-18 Carta Worldwide Inc. System and method for mobile transaction payments
US20140310171A1 (en) * 2013-04-12 2014-10-16 Bank Of America Corporation Certified person-to-person payment system
US9940608B2 (en) 2013-05-16 2018-04-10 Mts Holdings, Inc. Real time EFT network-based person-to-person transactions
US9830772B2 (en) 2014-04-04 2017-11-28 Mobile Gaming Technologies, Inc. Dynamic deposits and promotions for gaming systems
US9226217B2 (en) 2014-04-17 2015-12-29 Twilio, Inc. System and method for enabling multi-modal communication
US9830770B2 (en) * 2014-12-02 2017-11-28 Mobile Gaming Technologies, Inc. Secure remote gaming player registration
US11315114B2 (en) 2016-12-28 2022-04-26 Capital One Services, Llc Dynamic transaction card protected by multi-factor authentication
US10535068B2 (en) * 2016-12-28 2020-01-14 Capital One Services, Llc Smart card multi-factor authentication device
WO2019143586A1 (en) * 2018-01-22 2019-07-25 Mastercard International Incorporated Provisioning of payment acceptance to payment account holders
US20210042732A1 (en) * 2019-08-08 2021-02-11 Mastercard International Incorporated Secure qr code transactions

Family Cites Families (13)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6088683A (en) 1996-08-21 2000-07-11 Jalili; Reza Secure purchase transaction method using telephone number
US6012144A (en) 1996-10-08 2000-01-04 Pickett; Thomas E. Transaction security method and apparatus
US6282522B1 (en) * 1997-04-30 2001-08-28 Visa International Service Association Internet payment system using smart card
HU223427B1 (hu) * 1997-09-17 2004-06-28 FOTEX Találmányi Iroda Kft. Eljárás bankkártya vagy más, bankszámla fölött rendelkezési jogot adó eszköz felhasználása jogosságának biztosítására
US5883810A (en) * 1997-09-24 1999-03-16 Microsoft Corporation Electronic online commerce card with transactionproxy number for online transactions
EP1097425A1 (de) 1998-06-19 2001-05-09 Protx Limited System zur zahlungsverifikation
FI107648B (fi) * 1999-01-26 2001-09-14 Payway Oy Maksujärjestelmä
TW509855B (en) * 1999-01-27 2002-11-11 724 Solutions Inc Systems and methods of paying for commercial transactions
US7729986B1 (en) * 1999-07-30 2010-06-01 Visa International Service Association Smart card transactions using wireless telecommunications network
EP1552440A2 (de) * 2000-01-31 2005-07-13 Trivnet Ltd. Anwendungen von automatischen internet-identifikationsverfahren
AU2001280023A1 (en) * 2000-07-17 2002-01-30 Richard O'connell System and methods of validating an authorized user of a payment card and authorization of a payment card transaction
AU2001278953A1 (en) * 2000-07-28 2002-02-13 American Calcar, Inc. Technique for effective organization and communication of information
US7080046B1 (en) * 2000-09-06 2006-07-18 Xanboo, Inc. Method for amortizing authentication overhead

Also Published As

Publication number Publication date
EP1330798B1 (de) 2009-06-17
AU2002214109A1 (en) 2002-05-06
FR2815745B1 (fr) 2003-01-10
FR2815745A1 (fr) 2002-04-26
US8645271B2 (en) 2014-02-04
WO2002035486A1 (fr) 2002-05-02
EP1330798A1 (de) 2003-07-30
ATE434241T1 (de) 2009-07-15
US20040054632A1 (en) 2004-03-18

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Legal Events

Date Code Title Description
8364 No opposition during term of opposition