ATE188562T1 - Elektronische geldbörse - Google Patents

Elektronische geldbörse

Info

Publication number
ATE188562T1
ATE188562T1 AT91920125T AT91920125T ATE188562T1 AT E188562 T1 ATE188562 T1 AT E188562T1 AT 91920125 T AT91920125 T AT 91920125T AT 91920125 T AT91920125 T AT 91920125T AT E188562 T1 ATE188562 T1 AT E188562T1
Authority
AT
Austria
Prior art keywords
electronic wallet
balance
financial information
wireless message
updating
Prior art date
Application number
AT91920125T
Other languages
English (en)
Inventor
Jose Gutman
Jim Wright
Louis D Finkelstein
Larry Puhl
Original Assignee
Motorola Inc
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 Motorola Inc filed Critical Motorola Inc
Application granted granted Critical
Publication of ATE188562T1 publication Critical patent/ATE188562T1/de

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
    • 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 OR CALCULATING; COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F15/00—Digital computers in general; Data processing equipment in general
    • G06F15/16—Combinations of two or more digital computers each having at least an arithmetic unit, a program unit and a register, e.g. for a simultaneous processing of several programs
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F15/00—Digital computers in general; Data processing equipment in general
    • G06F15/02—Digital computers in general; Data processing equipment in general manually operated with input through keyboard and computation using a built-in program, e.g. pocket calculators
    • G06F15/0216—Constructional details or arrangements
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F15/00—Digital computers in general; Data processing equipment in general
    • G06F15/02—Digital computers in general; Data processing equipment in general manually operated with input through keyboard and computation using a built-in program, e.g. pocket calculators
    • G06F15/0225—User interface arrangements, e.g. keyboard, display; Interfaces to other computer systems
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F15/00—Digital computers in general; Data processing equipment in general
    • G06F15/02—Digital computers in general; Data processing equipment in general manually operated with input through keyboard and computation using a built-in program, e.g. pocket calculators
    • G06F15/025—Digital computers in general; Data processing equipment in general manually operated with input through keyboard and computation using a built-in program, e.g. pocket calculators adapted to a specific application
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K1/00—Methods or arrangements for marking the record carrier in digital fashion
    • G06K1/14—Methods or arrangements for marking the record carrier in digital fashion by transferring data from a similar or dissimilar record carrier
    • 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
    • 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
    • G06Q20/32—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
    • 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
    • G06Q20/363—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user
    • 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
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3823—Payment protocols; Details thereof insuring higher security of transaction combining multiple encryption tools for a transaction
    • 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
    • G07F7/0873—Details of the card reader
    • G07F7/088—Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself
    • G07F7/0886—Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself the card reader being portable for interacting with a POS or ECR in realizing a payment transaction
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
    • H04W4/12—Messaging; Mailboxes; Announcements

Landscapes

  • Engineering & Computer Science (AREA)
  • Theoretical Computer Science (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Computer Hardware Design (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • General Engineering & Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Computing Systems (AREA)
  • Finance (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Human Computer Interaction (AREA)
  • Computer Security & Cryptography (AREA)
  • Signal Processing (AREA)
  • Software Systems (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Photoreceptors In Electrophotography (AREA)
  • Oscillators With Electromechanical Resonators (AREA)
  • Devices For Post-Treatments, Processing, Supply, Discharge, And Other Processes (AREA)
  • Mobile Radio Communication Systems (AREA)
  • Computer And Data Communications (AREA)
AT91920125T 1990-12-24 1991-10-07 Elektronische geldbörse ATE188562T1 (de)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US63271490A 1990-12-24 1990-12-24
PCT/US1991/007410 WO1992011598A1 (en) 1990-12-24 1991-10-07 Electronic wallet

Publications (1)

Publication Number Publication Date
ATE188562T1 true ATE188562T1 (de) 2000-01-15

Family

ID=24536633

Family Applications (1)

Application Number Title Priority Date Filing Date
AT91920125T ATE188562T1 (de) 1990-12-24 1991-10-07 Elektronische geldbörse

Country Status (10)

Country Link
EP (2) EP0564469B1 (de)
JP (1) JP3010069B2 (de)
KR (1) KR970007003B1 (de)
AT (1) ATE188562T1 (de)
CA (1) CA2096730C (de)
DE (1) DE69131897T2 (de)
DK (1) DK0564469T3 (de)
ES (1) ES2141092T3 (de)
GR (1) GR3032864T3 (de)
WO (1) WO1992011598A1 (de)

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AUPM350794A0 (en) * 1994-01-25 1994-02-17 Dynamic Data Systems Pty Ltd Funds transaction device
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EP0715241B1 (de) 1994-10-27 2004-01-14 Mitsubishi Corporation Gerät für Dateiurheberrechte-Verwaltungssystem
AU6318096A (en) * 1995-07-06 1997-02-05 Hitachi Limited Electronic money sending system
WO1997021181A1 (en) * 1995-12-07 1997-06-12 Ibix Corporation Identification tone output device and authentication system
JPH09212565A (ja) * 1996-02-07 1997-08-15 Nec Corp 無線携帯端末システム
JPH09237299A (ja) * 1996-02-29 1997-09-09 Hitachi Ltd 電子財布
AU2811897A (en) * 1996-04-26 1997-11-19 Verifone, Inc. A system, method and article of manufacture for network electronic payment and credit collection utilizing a payment instrument holder
JP2000512405A (ja) * 1996-04-26 2000-09-19 ヴェリフォウン、インク 認可装置を使って電子ネットワーク認可をするシステム、方法及びそれを行う機器
US6016484A (en) * 1996-04-26 2000-01-18 Verifone, Inc. System, method and article of manufacture for network electronic payment instrument and certification of payment and credit collection utilizing a payment
KR100207596B1 (ko) * 1996-09-13 1999-07-15 윤종용 카드 가맹점용 전자식 지불 단말기
JP3660101B2 (ja) * 1996-11-14 2005-06-15 松下電器産業株式会社 パーソナル電子決済システム
US6038549A (en) * 1997-12-22 2000-03-14 Motorola Inc Portable 1-way wireless financial messaging unit
US6314519B1 (en) * 1997-12-22 2001-11-06 Motorola, Inc. Secure messaging system overlay for a selective call signaling system
US6850916B1 (en) * 1998-04-27 2005-02-01 Esignx Corporation Portable electronic charge and authorization devices and methods therefor
US6424845B1 (en) 1998-06-19 2002-07-23 Ncr Corporation Portable communication device
DE19841862A1 (de) * 1998-09-14 2000-03-16 Andreas W Wieland Inegration von Chipkartenfunktionen in ein mobiles Kommunikationsgerät
WO2000028494A1 (en) * 1998-11-11 2000-05-18 Ncr International, Inc. Digital data interchange devices and networks
JP2000184085A (ja) 1998-12-18 2000-06-30 Fujitsu Ltd 携帯機器、携帯端末用アタッチメント及び携帯機器を用いたシステム
US7181429B1 (en) 1999-04-27 2007-02-20 Booil Mobil Telecomm. Corp. Apparatus and method for storing electronic money
KR100554695B1 (ko) 1999-12-10 2006-02-22 엔티티 도꼬모 인코퍼레이티드 이동통신단말
ES2160077B1 (es) * 1999-12-11 2003-04-01 Tejada Luis Andres Sevilla Maquina fabrica de cheques y medios de pago.
WO2001071590A1 (en) * 2000-03-22 2001-09-27 Zetabits Inc. Communication system
EP1277180A2 (de) 2000-04-24 2003-01-22 Visa International Service Association Beglaubigungsdienst für online-bezahler
AU4779300A (en) * 2000-05-19 2001-11-26 E-Mark Systems Inc. Electronic settlement system, settlement device and terminal
JP3437148B2 (ja) * 2000-06-13 2003-08-18 株式会社エイティング 携帯端末による電子決済方法
WO2001097118A1 (en) * 2000-06-14 2001-12-20 Takako Jogu Settling method using mobile phone and mobile phone
WO2002008981A1 (en) * 2000-07-25 2002-01-31 Image Media Design Co., Ltd. Business transacting method
US8032460B2 (en) 2000-07-27 2011-10-04 Daita Frontier Fund, Llc Authentication managing apparatus, and shop communication terminal
JP2002041883A (ja) * 2000-07-27 2002-02-08 Nabelin Co Ltd オンライン購買業務管理システム
JP2002109425A (ja) * 2000-09-29 2002-04-12 Mitsubishi Electric Corp 電子マネ−、電子販売店及び電子銀行
JP2002197388A (ja) * 2000-10-11 2002-07-12 Nec Corp 決済方法、決済システムおよび携帯電話機
JP2002149962A (ja) * 2000-11-10 2002-05-24 Nec Corp 携帯端末を用いた入出金管理方法及び入出金管理システム
JP2002189855A (ja) * 2000-11-13 2002-07-05 Exit Inc 無線電話、無線電話の使用方法、無線電話を用いた決済システム、無線電話を用いた決済方法、およびプログラム
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JPWO2002057974A1 (ja) * 2001-01-18 2004-05-27 富士通株式会社 即時決済装置
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Also Published As

Publication number Publication date
WO1992011598A1 (en) 1992-07-09
CA2096730C (en) 1996-07-09
EP0564469A1 (de) 1993-10-13
CA2096730A1 (en) 1992-06-25
EP0564469A4 (en) 1994-05-25
JP3010069B2 (ja) 2000-02-14
EP0564469B1 (de) 2000-01-05
JPH06501329A (ja) 1994-02-10
DE69131897T2 (de) 2000-10-26
DK0564469T3 (da) 2000-06-19
EP0940760A1 (de) 1999-09-08
KR970007003B1 (ko) 1997-05-01
DE69131897D1 (de) 2000-02-10
GR3032864T3 (en) 2000-07-31
KR930703647A (ko) 1993-11-30
ES2141092T3 (es) 2000-03-16

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Legal Events

Date Code Title Description
UEP Publication of translation of european patent specification
EELA Cancelled due to lapse of time