ATE180912T1 - Verfahren zum aufsuchen von bezahldaten in einem anonymen bezahlsystem, sowie ein bezahlsystem in dem dieses verfahren angewendet wird - Google Patents

Verfahren zum aufsuchen von bezahldaten in einem anonymen bezahlsystem, sowie ein bezahlsystem in dem dieses verfahren angewendet wird

Info

Publication number
ATE180912T1
ATE180912T1 AT96925689T AT96925689T ATE180912T1 AT E180912 T1 ATE180912 T1 AT E180912T1 AT 96925689 T AT96925689 T AT 96925689T AT 96925689 T AT96925689 T AT 96925689T AT E180912 T1 ATE180912 T1 AT E180912T1
Authority
AT
Austria
Prior art keywords
payment
payment system
value
anonymous
looking
Prior art date
Application number
AT96925689T
Other languages
English (en)
Inventor
Matthias Schunter
Michael Peter Waidner
Birgit Monika Pfitzmann
Original Assignee
Koninkl Kpn Nv
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 Koninkl Kpn Nv filed Critical Koninkl Kpn Nv
Application granted granted Critical
Publication of ATE180912T1 publication Critical patent/ATE180912T1/de

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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 OR CALCULATING; 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 OR CALCULATING; 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 OR CALCULATING; 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
    • G06Q20/102—Bill distribution or payments
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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 OR CALCULATING; 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
    • G06Q20/3678—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 e-cash details, e.g. blinded, divisible or detecting double spending
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/383—Anonymous user system
    • 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

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Finance (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Strategic Management (AREA)
  • Development Economics (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Economics (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Computer Security & Cryptography (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Cash Registers Or Receiving Machines (AREA)
  • Debugging And Monitoring (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)
AT96925689T 1995-07-06 1996-07-05 Verfahren zum aufsuchen von bezahldaten in einem anonymen bezahlsystem, sowie ein bezahlsystem in dem dieses verfahren angewendet wird ATE180912T1 (de)

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
NL1000741A NL1000741C2 (nl) 1995-07-06 1995-07-06 Werkwijze voor het traceren van betalingsgegevens in een anoniem betalingssysteem, alsmede betalingssysteem waarin de werkwijze wordt toegepast

Publications (1)

Publication Number Publication Date
ATE180912T1 true ATE180912T1 (de) 1999-06-15

Family

ID=19761277

Family Applications (1)

Application Number Title Priority Date Filing Date
AT96925689T ATE180912T1 (de) 1995-07-06 1996-07-05 Verfahren zum aufsuchen von bezahldaten in einem anonymen bezahlsystem, sowie ein bezahlsystem in dem dieses verfahren angewendet wird

Country Status (10)

Country Link
US (1) US5924084A (de)
EP (1) EP0836730B1 (de)
AT (1) ATE180912T1 (de)
AU (1) AU694056B2 (de)
CA (1) CA2226320A1 (de)
DE (1) DE69602752T2 (de)
GR (1) GR3030977T3 (de)
NL (1) NL1000741C2 (de)
NO (1) NO976151L (de)
WO (1) WO1997002547A1 (de)

Families Citing this family (26)

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US6119101A (en) * 1996-01-17 2000-09-12 Personal Agents, Inc. Intelligent agents for electronic commerce
US20050027617A1 (en) * 1996-01-17 2005-02-03 Privacy Infrastructure, Inc. Third party privacy system
FR2761840B1 (fr) * 1997-04-03 2000-04-07 Gemplus Card Int Procede de certification d'un cumul dans un lecteur
FR2762118B1 (fr) * 1997-04-11 1999-07-16 Gemplus Card Int Procedure securisee de controle de transfert d'unites de valeur dans un systeme de jeu a carte a puce
GB2321751B (en) * 1997-04-22 1999-02-10 Searchspace Limited A monitoring system and method
JP3483441B2 (ja) * 1997-10-16 2004-01-06 富士通株式会社 電子マネーの管理所有装置および管理所有方法
US6209100B1 (en) * 1998-03-27 2001-03-27 International Business Machines Corp. Moderated forums with anonymous but traceable contributions
KR100358426B1 (ko) * 1998-08-18 2003-01-29 한국전자통신연구원 전자현금거래방법
WO2000070487A1 (en) 1999-05-14 2000-11-23 Frenkel Marvin A Anonymous on-line cash management system
US8571975B1 (en) 1999-11-24 2013-10-29 Jpmorgan Chase Bank, N.A. System and method for sending money via E-mail over the internet
US7222097B2 (en) * 2000-01-18 2007-05-22 Bellosguardo Philippe A Anonymous credit card
WO2001067202A2 (en) * 2000-03-06 2001-09-13 Aplettix Inc. Authentication technique for electronic transactions
US10185936B2 (en) 2000-06-22 2019-01-22 Jpmorgan Chase Bank, N.A. Method and system for processing internet payments
FR2811452A1 (fr) * 2000-07-07 2002-01-11 Thomson Multimedia Sa Systeme et procede de gestion de transaction de micropaiement, dispositifs client, marchand et intermediaire financier
US6680924B2 (en) 2000-12-14 2004-01-20 Carnegie Mellon University Method for estimating signal strengths
US20020080822A1 (en) * 2000-12-22 2002-06-27 Brown Michael K. Address defined session management over stateless communications channels
US7822679B1 (en) 2001-10-29 2010-10-26 Visa U.S.A. Inc. Method and system for conducting a commercial transaction between a buyer and a seller
US7729984B1 (en) 2002-09-27 2010-06-01 Abas Enterprises Llc Effecting financial transactions
RU2244340C2 (ru) * 2002-12-03 2005-01-10 Нечипорук Сергей Сергеевич Способ осуществления денежных расчетов
US7505931B2 (en) * 2003-03-03 2009-03-17 Standard Chartered (Ct) Plc Method and system for monitoring transactions
US20040225604A1 (en) * 2003-04-29 2004-11-11 Foss Sheldon H. System for providing a checkless checking account
US8626642B2 (en) 2003-08-22 2014-01-07 Compucredit Intellectual Property Holdings Corp. Iii System and method for dynamically managing a financial account
US7204412B2 (en) * 2003-10-14 2007-04-17 Compucredit Intellectual Property Holdings Corp. Iii Family stored value card program
US8606697B2 (en) 2004-06-17 2013-12-10 Visa International Service Association Method and system for providing buyer bank payable discounting services
US7711639B2 (en) 2005-01-12 2010-05-04 Visa International Pre-funding system and method
US20130030897A1 (en) 2011-07-28 2013-01-31 American Express Travel Related Services Company, Inc. Systems and methods for generating and using a digital pass

Family Cites Families (18)

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US4727243A (en) * 1984-10-24 1988-02-23 Telenet Communications Corporation Financial transaction system
US5018196A (en) * 1985-09-04 1991-05-21 Hitachi, Ltd. Method for electronic transaction with digital signature
US5644727A (en) * 1987-04-15 1997-07-01 Proprietary Financial Products, Inc. System for the operation and management of one or more financial accounts through the use of a digital communication and computation system for exchange, investment and borrowing
US5121945A (en) * 1988-04-20 1992-06-16 Remittance Technology Corporation Financial data processing system
JPH0622030B2 (ja) * 1988-10-03 1994-03-23 富士通株式会社 取引の正当性確認方式
ATE155269T1 (de) * 1989-08-14 1997-07-15 Centillion Data Systems Inc Kostenrechnungssystem
US4993068A (en) * 1989-11-27 1991-02-12 Motorola, Inc. Unforgeable personal identification system
DE4003386C1 (de) * 1990-02-05 1991-05-23 Siemens Ag, 1000 Berlin Und 8000 Muenchen, De
DE4119924C3 (de) * 1991-06-17 1996-06-20 Siemens Ag Verfahren zur Sicherung von ladbaren Guthaben in Chipkarten
GB9121995D0 (en) * 1991-10-16 1991-11-27 Jonhig Ltd Value transfer system
US5453601A (en) * 1991-11-15 1995-09-26 Citibank, N.A. Electronic-monetary system
US5557518A (en) * 1994-04-28 1996-09-17 Citibank, N.A. Trusted agents for open electronic commerce
US5504677A (en) * 1992-10-15 1996-04-02 Pollin; Robert E. Automated payment system
NL9301271A (nl) * 1993-07-20 1995-02-16 Nederland Ptt Werkwijze en inrichting voor het registreren van gebruiksgegevens van op een betaalkaart werkende toestellen.
US5465206B1 (en) * 1993-11-01 1998-04-21 Visa Int Service Ass Electronic bill pay system
US5420926A (en) * 1994-01-05 1995-05-30 At&T Corp. Anonymous credit card transactions
NL9400176A (nl) * 1994-02-04 1995-09-01 Nederland Ptt Cryptografische inrichting.
US5675650A (en) * 1995-05-02 1997-10-07 Pitney Bowes Inc. Controlled acceptance mail payment and evidencing system

Also Published As

Publication number Publication date
NO976151L (no) 1998-03-03
CA2226320A1 (en) 1997-01-23
DE69602752D1 (de) 1999-07-08
EP0836730B1 (de) 1999-06-02
NL1000741C2 (nl) 1997-01-08
AU6613096A (en) 1997-02-05
DE69602752T2 (de) 1999-10-21
WO1997002547A1 (en) 1997-01-23
EP0836730A1 (de) 1998-04-22
AU694056B2 (en) 1998-07-09
US5924084A (en) 1999-07-13
GR3030977T3 (en) 1999-12-31
NO976151D0 (no) 1997-12-30

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