WO2003007251A1 - Procede assurant une garantie de paiement pour le commerce electronique notamment par telephone mobile et systeme de mise en oeuvre - Google Patents
Procede assurant une garantie de paiement pour le commerce electronique notamment par telephone mobile et systeme de mise en oeuvre Download PDFInfo
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- WO2003007251A1 WO2003007251A1 PCT/FR2002/002452 FR0202452W WO03007251A1 WO 2003007251 A1 WO2003007251 A1 WO 2003007251A1 FR 0202452 W FR0202452 W FR 0202452W WO 03007251 A1 WO03007251 A1 WO 03007251A1
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- Prior art keywords
- operator
- bank
- electronic payment
- network
- certificates
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Classifications
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- 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
-
- 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
- G06Q20/105—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems involving programming of a portable memory device, e.g. IC cards, "electronic purses"
-
- 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
- G06Q20/12—Payment architectures specially adapted for electronic shopping 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
- G06Q20/30—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
- G06Q20/326—Payment applications installed on the mobile devices
- G06Q20/3263—Payment applications installed on the mobile devices characterised by activation or deactivation of payment capabilities
-
- 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
- G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
- G06Q20/3674—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes involving authentication
-
- 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
- G06Q20/3821—Electronic credentials
- G06Q20/38215—Use of certificates or encrypted proofs of transaction rights
-
- 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
-
- 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
- G06Q20/4093—Monitoring of device authentication
-
- 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
- G06Q20/4097—Device specific authentication in transaction processing using mutual authentication between devices and transaction partners
- G06Q20/40975—Device specific authentication in transaction processing using mutual authentication between devices and transaction partners using encryption therefor
-
- 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
- G06Q30/00—Commerce
- G06Q30/018—Certifying business or products
-
- 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
- G06Q30/00—Commerce
- G06Q30/04—Billing or invoicing
-
- 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
- G07F7/1016—Devices or methods for securing the PIN and other transaction-data, e.g. by encryption
Definitions
- the invention relates to a payment method providing a guarantee of payment to the merchant in the context of electronic commerce practiced from an electronic device such as a microcomputer, a mobile telephone, a personal assistant.
- Electronic commerce consists of sending orders to a merchant from electronic equipment linked by a network to the merchant's electronic equipment.
- Today trade is practiced more and more from the internet.
- the first problem is to ensure security for the payer because the latter is required to communicate his credit card or bank account number so that a debit from his account can be carried out.
- the second problem is to provide a guarantee of payment for the seller, that is to say for the merchant who provides goods or services to the customer.
- the merchant sends a payment request to a financial institution, the latter sends this request to the mobile operator.
- the payer receives a short SMS message on his mobile phone, enters his identification code (PIN code) and the transaction is signed by a secret key recorded in the subscriber identification card of the phone (SIM card).
- SIM card subscriber identification card of the phone
- the operator's server verifies the signature and sends an approval to the financial institution.
- the settlement is managed by the financial institution.
- the drawback of this payment circuit is that the authentication key used to sign the transaction is generated and known to the telephone operator. This means that the financial institution cannot give a payment guarantee to the merchant insofar as the signature can be reproduced by a third party.
- a second known solution is the MOTO payment system, internet payment.
- the MOTO: Mail Order Telephone Order system is the simplest system for making payments over the Internet. In fact, the system consists in communicating the credit card number by voice (on the telephone) or through the Internet, to the merchant when ordering.
- This solution exists for electronic devices such as PCs and can of course be reproduced for transactions made with a mobile phone.
- the disadvantage of this method comes from the fact that the presence of the card is not proven by the merchant because the authentication of the card holder is not carried out during the transaction. In this case either the payment guarantee is not insured for the merchant. And unfortunately there are a large number of frauds worldwide with the MOTO payment system which has just been described.
- a third solution is known for payments on the Internet, this is the SET procedure: Secure Electronic Transaction.
- This procedure corresponds to a payment protocol which has been developed by a consortium of companies such as Visa, MasterCard, Europay, IBM.
- the SET protocol is dedicated to Internet commerce and provides a payment guarantee for the merchant.
- This solution requires a very heavy logistical implementation for the merchant's server and for loading the payer's certificates.
- the MOTO system (Mail Order Telephone Order) is, as we have seen, the traditional mode allowing remote payments to be made. Fraud with the MOTO system across the Internet and mobile phone networks (mainly for the prepaid market) has been growing faster in recent years. The payment card is considered not to be present for such purchases and thus, the bank cannot guarantee payment to merchants.
- the proposed solution allows for the payment of goods and services. It is independent of the channel used to "place the order", ie microcomputer (PC) on the Internet or "face to face” in a shop, mobile phone, landline phone, personal assistant or mail.
- PC microcomputer
- the solution can also be used in countries for which bank credit cards are not yet widely developed.
- the present invention aims to remedy the aforementioned drawbacks.
- the present invention relates to a "global circuit" of payment from an electronic payment device allowing a guarantee of payment for the merchant.
- the invention aims to remedy the problems stated by providing a solution based on existing technologies, but making it possible to drastically limit fraud in the case of mail-order sales.
- the solution consists more particularly in providing two keys for authentication of the payer, a key dedicated to the telephone operator and a key dedicated to the financial organization. It can be a bank or any other organization, for example insurance. We will however talk in the following about banking to simplify and about banking key.
- the two keys allow the creation of two certificates certl, cert2.
- transaction certificates is meant a set of data characterizing the transaction unequivocally, the parties involved (in practice, the client and the merchant) and attesting that the client has been authenticated. In practice, this is data representative of the transaction and the merchant (amount, timestamp, merchant identifier, currency used %) and an electronic signature calculated on a fingerprint (i.e. a condensed) of these data and to ensure the integrity of the "transaction and to authenticate the client.
- the certificate certl is therefore obtained with the key K1 and the certificate cert2 is obtained with the key K2.
- the telephone operator can only verify the certificate with the operator key.
- this solution can be applied to other networks allowing electronic commerce: purchase on the Internet, purchase by voice command and payment from a mobile telephone network (GSM or other).
- GSM mobile telephone network
- the subject of the invention is therefore a method of electronic payment of a merchant using a means of communication using a network of an operator and a financial organization mainly characterized in that it consists in a transaction to develop two certificates, one from a key operator, the other using a bank key, to transmit the first certificate to the operator and place the other certificate under the control of the other certificate in a secure manner.
- certificates are produced by a smart card and in that the second certificate is stored on this card.
- the second certificate is transmitted to the operator who keeps it on a database under the control and / or with the approval of the financial body.
- the second certificate is sent to the bank either by the smart card or by the operator.
- the means of payment is a mobile phone.
- the mobile telephone comprises a subscriber identification smart card (for example SIM on a GSM network, UIM on a CDMA network, USIM on a 3G network), the network of the telecommunications operator is equipped with a server.
- management and invoicing the process consisting: for the mobile telephone: to send the two certificates to the telecommunications operator, - for the management and invoicing server: to authenticate the card holder from the first certificate and send payment authorization to the financial institution.
- Another object of the present invention relates to an electronic payment device comprising means allowing access to a network, mainly characterized in that it comprises at least two keys, an operator key K1, a bank key K2, for develop two certificates representative of a transaction.
- the electronic payment device consists of a microcomputer or a mobile phone or a personal assistant.
- the device constitutes a secure electronic chip support.
- the device is able to prepare the certificates.
- the subject of the invention is also a management and invoicing server connected to a network of a telecommunications operator for the invoicing of goods or services supplied by a merchant to a customer carrying out electronic transactions on the network by means of 'An electronic payment means, mainly characterized in that it comprises means for processing operator certificates relating to transactions, and in that it comprises means for checking bank certificates relating to said transactions.
- Figure 1 illustrates the exchanges between the client's equipment, its bank and the telephone operator for the phase of registering a client with its bank and its telephone operator to enable electronic commerce;
- FIG. 2 illustrates the exchanges between the equipment of the bank, the smart card personalization center and the mobile operator, for the card personalization phase
- FIG. 3 illustrates the exchanges between the client's equipment, that of the telephone operator with which he is registered and that of his bank during a transaction
- Figure 4 illustrates the exchanges between all the parties involved in the event of a payment dispute by the customer.
- the example described below concerns electronic commerce with a mobile phone.
- the proposed solution uses a Sim payment application
- STK ToolKit
- the SIM Tool Kit payment application program is loaded into a customer's SIM card during the card personalization step. This program can also be downloaded using the wireless network, this depending on the technical characteristics of the SIM card used.
- the card holder's bank can format, sign and send payment requests using short messages.
- Transactions carried out by the card holder are signed after presentation of the payment PIN by the customer.
- the algorithm used for the preparation of certificates and in this case the generation of signatures is stored in a program memory of the card. It can be an algorithm implementing symmetric cryptography with the DES or 3DES algorithm or asymmetric cryptography with the RSA algorithm.
- the point-of-sale reader body implements two main security functions: the authentication of the payment card involving the card and the reader and the authentication of the holder of this card.
- the authentication of the bank card is based on a preliminary registration of the client, this is done once and for all.
- the exchanges which are carried out during this recording step between the various equipment of the speakers are recalled in the following is illustrated by FIG. 1.
- the authentication of the card holder is carried out with each transaction through or at least by means of the identification code dedicated to the card holder, this code having to be entered by the card holder.
- This identification code also known as PINcode (Personal Identifier Number) will be called bank code in the rest of the description because it is provided by the bank to its client.
- PINcode Personal Identifier Number
- the STK program is preferably loaded into the SIM card at the time of personalization and this by the manufacturer of the card.
- This program could be downloaded (Over The Air) on a terminal at a point of sale.
- the customer cannot use this payment application until it is registered with the bodies involved in the payment circuit.
- the main objectives of the registration are as follows: ensure that the bank details provided by the customer are valid (for example, the bank details of the account to be taken or the number of the bank card to be used and its expiration date ).
- This information is sent either electronically or by post.
- the customer sends a form (electronic on a secure link or paper) to his bank. This sending is symbolized by the exchange between the equipment A and B in FIG. 1. the storage of the data of the bank card and of the telephone numbers in the database 10 of the customer's bank and on the management system and invoicing 20 of the equipment C of the telecommunications operator, allowing the customer to know the bank identification code PIN code.
- the customer has completed a paper or electronic form and sent it to his bank.
- the customer card can then be authenticated.
- the issuing bank is responsible for authenticating the card holder. Then, through the authentication mechanism which must be accepted by both parties (namely the bank and the telecommunications operator), the bank must inform the telecommunications operator concerned. The telecommunications operator is then able to activate the STK payment application over a radio link. This can be done locally (for example, by phone) through a dedicated STK menu and an activation code which can be bank identification code (PIN code).
- PIN code bank identification code
- the card holder knows his code at this stage and can then enter it from the keypad of his mobile phone.
- the customer needs to know the bank identification code, ie his PIN code, to be able to use it later to carry out electronic commerce.
- this bank identification code is an additional security in the proposed process since it is necessary to trigger the signatures of a transaction. It thus protects access to the signature keys Kl, K2 stored in the SIM card.
- FIG. 2 illustrates a possible solution of the steps leading to the generation of the PIN code during the personalization of the SIM card and the generation of the signature keys K1 and K2.
- the PIN code is generally diversified from a master identification code generated by the bank 100.
- the personalization center 400 then generates the PIN code from the master code and a personal number of the card, namely the ICCid code (identification number of the integrated circuit of the card) or the IMSI code (International Mobile Subscriber Identifier) of the SIM card or any other possible identifier linked to the SIM card.
- ICCid code identification number of the integrated circuit of the card
- IMSI code International Mobile Subscriber Identifier
- the issuing bank is able to calculate the bank identification code (PIN code) and send it by email to the card holder .
- a better solution derived from the latter can be based on diversification from the master identification code and telephone number of the subscriber.
- the bank code can be changed by the end customer (as is already the case for mobile phones. But in this case, the non-final code is in any case managed by the issuing bank and not by the bank). telecommunications operator.
- FIG. 3 A functional diagram of the exchange mechanism carried out in the equipment A, B, C of the three parties, namely the card holder, the telephone operator and the banking organizations, is shown in FIG. 3.
- the management and billing system 20 sends a payment request (1) to the mobile phone 2 through a server 21 capable of converting this information into short messages SMS (2) or any other transport protocol supported by the mobile to the phone mobile.
- the holder of the mobile phone and rather, the card holder accepts the transaction and for this purpose enters his PIN code. This makes it possible to trigger the process of calculating the two signatures relating to the data characteristic of the accepted transaction.
- An SMS message is sent by the mobile telephone to the server 21. This message contains the certificates certl and cert2, that is to say the data characteristic of the transaction and the two signatures calculated by the SIM card. One signature was calculated with the key Kl and the other with the key K2.
- each client has two personal signature keys used for the generation of the signature relating to characteristics of the transaction.
- the characteristic data of a transaction are for example the amount of the transaction, the date, the time, the identification of the merchant and the telephone number.
- the secret banking key must not be known to the telecommunications operator.
- the use of this K2 key is protected by the PINcode inside the SIM card. Payment requests can be managed by the classic MOTO system with offline validation.
- the transaction can be carried out like a classic MOTO transaction.
- the mobile telephone operator must additionally store the data of the digital transaction including the digital signature certl, in a dedicated database. It is expected that in the event of a dispute, the telecommunications operator will be able to return the digital signature cert2 of the digital transaction to the customer's bank.
- the immediate advantage of the proposed solution is that the existing infrastructures for payment authorization requests do not need to be modified.
- the digital signature cert2 is proof of payment by the card holder.
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- General Business, Economics & Management (AREA)
- Strategic Management (AREA)
- Finance (AREA)
- Development Economics (AREA)
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Abstract
Description
Claims
Priority Applications (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
EP02764977A EP1412925A1 (fr) | 2001-07-12 | 2002-07-11 | Procede assurant une garantie de paiement pour le commerce electronique notamment par telephone mobile et systeme de mise en oeuvre |
US12/558,937 US8136722B2 (en) | 2001-07-12 | 2009-09-14 | Method guaranteeing payment for electronic commerce in particularly by mobile telephone and a system implementing it |
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
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FR01/09312 | 2001-07-12 | ||
FR0109312A FR2827448B1 (fr) | 2001-07-12 | 2001-07-12 | Procede assurant une garantie de paiement pour le commerce electronique notamment par telephone mobile et systeme de mise en oeuvre |
Related Child Applications (2)
Application Number | Title | Priority Date | Filing Date |
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US10483294 A-371-Of-International | 2002-07-11 | ||
US97692004A Continuation | 2001-07-12 | 2004-11-01 |
Publications (1)
Publication Number | Publication Date |
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WO2003007251A1 true WO2003007251A1 (fr) | 2003-01-23 |
Family
ID=8865442
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
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PCT/FR2002/002452 WO2003007251A1 (fr) | 2001-07-12 | 2002-07-11 | Procede assurant une garantie de paiement pour le commerce electronique notamment par telephone mobile et systeme de mise en oeuvre |
Country Status (5)
Country | Link |
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US (1) | US8136722B2 (fr) |
EP (1) | EP1412925A1 (fr) |
CN (2) | CN1554078A (fr) |
FR (1) | FR2827448B1 (fr) |
WO (1) | WO2003007251A1 (fr) |
Families Citing this family (5)
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TW200840305A (en) * | 2007-03-20 | 2008-10-01 | Game Flier Internat Corp | Account security system with communication mechanism |
US20120171996A1 (en) * | 2010-12-30 | 2012-07-05 | Sierra Wireless, Inc. | Method for enabling operation of a wireless modem |
EP3013014A1 (fr) * | 2014-10-21 | 2016-04-27 | Gemalto Sa | Procédé pour l'accès à un service, premier dispositif correspondant, deuxième dispositif et système |
CN104850811B (zh) * | 2015-05-22 | 2017-12-05 | 东信和平科技股份有限公司 | 一种基于stk菜单对软件进行授权的方法及*** |
US10749684B2 (en) * | 2016-09-30 | 2020-08-18 | Entrust, Inc. | Methods and apparatus for providing blockchain participant identity binding |
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EP0696021A2 (fr) * | 1994-07-29 | 1996-02-07 | Giesecke & Devrient GmbH | Méthode pour déterminer la valeur monétaire actuelle dans un support de données et système pour la mise en oeuvre de cette méthode |
EP0818763A1 (fr) * | 1996-07-11 | 1998-01-14 | France Telecom | Procédé de contrÔle de transactions sécurisées independantes utilisant un dispositif physique unique |
WO1998037663A1 (fr) * | 1997-02-19 | 1998-08-27 | Telefonaktiebolaget Lm Ericsson | Procede de verification d'autorisation |
WO1998052151A1 (fr) * | 1997-05-15 | 1998-11-19 | Access Security Sweden Ab | Transaction electronique |
FR2779896A1 (fr) * | 1998-06-15 | 1999-12-17 | Sfr Sa | PROCEDE POUR PAYER A DISTANCE, AU MOYEN D'UN RADIOTELEPHONIQUE MOBILE, l'ACQUISITION D'UN BIEN ET/OU D'UN SERVICE ET SYSTEME ET RADIOTELEPHONE MOBILE CORRESPONDANTS |
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WO1999019846A2 (fr) * | 1997-10-14 | 1999-04-22 | Visa International Service Association | Personnalisation de cartes a puce |
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US6694025B1 (en) * | 1999-06-02 | 2004-02-17 | Koninklijke Philips Electronics N.V. | Method and apparatus for secure distribution of public/private key pairs |
US6377810B1 (en) * | 1999-06-11 | 2002-04-23 | Motorola, Inc. | Method of operation of mobile wireless communication system with location information |
JP2001344537A (ja) * | 2000-05-31 | 2001-12-14 | Ntt Docomo Inc | 電子バリューシステム、通信端末及びサーバ |
US20020026578A1 (en) * | 2000-08-22 | 2002-02-28 | International Business Machines Corporation | Secure usage of digital certificates and related keys on a security token |
US20020044662A1 (en) * | 2000-08-22 | 2002-04-18 | Jonathan Sowler | Service message management system and method |
US6836765B1 (en) * | 2000-08-30 | 2004-12-28 | Lester Sussman | System and method for secure and address verifiable electronic commerce transactions |
US7107248B1 (en) * | 2000-09-11 | 2006-09-12 | Nokia Corporation | System and method of bootstrapping a temporary public-key infrastructure from a cellular telecommunication authentication and billing infrastructure |
US6990471B1 (en) * | 2001-08-02 | 2006-01-24 | Oracle International Corp. | Method and apparatus for secure electronic commerce |
GB2385955A (en) * | 2002-02-28 | 2003-09-03 | Ibm | Key certification using certificate chains |
-
2001
- 2001-07-12 FR FR0109312A patent/FR2827448B1/fr not_active Expired - Fee Related
-
2002
- 2002-07-11 CN CNA028178777A patent/CN1554078A/zh active Pending
- 2002-07-11 EP EP02764977A patent/EP1412925A1/fr not_active Ceased
- 2002-07-11 CN CN200910152118A patent/CN101655951A/zh active Pending
- 2002-07-11 WO PCT/FR2002/002452 patent/WO2003007251A1/fr not_active Application Discontinuation
-
2009
- 2009-09-14 US US12/558,937 patent/US8136722B2/en not_active Expired - Fee Related
Patent Citations (8)
Publication number | Priority date | Publication date | Assignee | Title |
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EP0696021A2 (fr) * | 1994-07-29 | 1996-02-07 | Giesecke & Devrient GmbH | Méthode pour déterminer la valeur monétaire actuelle dans un support de données et système pour la mise en oeuvre de cette méthode |
EP0818763A1 (fr) * | 1996-07-11 | 1998-01-14 | France Telecom | Procédé de contrÔle de transactions sécurisées independantes utilisant un dispositif physique unique |
WO1998037663A1 (fr) * | 1997-02-19 | 1998-08-27 | Telefonaktiebolaget Lm Ericsson | Procede de verification d'autorisation |
WO1998052151A1 (fr) * | 1997-05-15 | 1998-11-19 | Access Security Sweden Ab | Transaction electronique |
US6145079A (en) * | 1998-03-06 | 2000-11-07 | Deloitte & Touche Usa Llp | Secure electronic transactions using a trusted intermediary to perform electronic services |
FR2779896A1 (fr) * | 1998-06-15 | 1999-12-17 | Sfr Sa | PROCEDE POUR PAYER A DISTANCE, AU MOYEN D'UN RADIOTELEPHONIQUE MOBILE, l'ACQUISITION D'UN BIEN ET/OU D'UN SERVICE ET SYSTEME ET RADIOTELEPHONE MOBILE CORRESPONDANTS |
FR2779895A1 (fr) * | 1998-06-15 | 1999-12-17 | Sfr Sa | Procede et systeme pour payer a distance au moyen d'un radiotelephone mobile l'acquisition d'un bien et/ou d'un service |
WO2000031699A1 (fr) * | 1998-11-22 | 2000-06-02 | Easy Charge Cellular (Pty) Limited | Procede et dispositif pour la conduite de transactions electroniques |
Also Published As
Publication number | Publication date |
---|---|
CN1554078A (zh) | 2004-12-08 |
FR2827448B1 (fr) | 2003-12-19 |
EP1412925A1 (fr) | 2004-04-28 |
CN101655951A (zh) | 2010-02-24 |
US20100235281A1 (en) | 2010-09-16 |
FR2827448A1 (fr) | 2003-01-17 |
US8136722B2 (en) | 2012-03-20 |
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