CN1672180A - 用于信用和借记卡交易的系统与方法 - Google Patents

用于信用和借记卡交易的系统与方法 Download PDF

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Publication number
CN1672180A
CN1672180A CN03807792.2A CN03807792A CN1672180A CN 1672180 A CN1672180 A CN 1672180A CN 03807792 A CN03807792 A CN 03807792A CN 1672180 A CN1672180 A CN 1672180A
Authority
CN
China
Prior art keywords
code
main frame
customer
pin
card
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.)
Pending
Application number
CN03807792.2A
Other languages
English (en)
Chinese (zh)
Inventor
温思顿·唐纳德·基齐
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.)
Swivel Secure Ltd
Original Assignee
Swivel Technologies Ltd
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
Priority claimed from GB0207705A external-priority patent/GB2387253B/en
Application filed by Swivel Technologies Ltd filed Critical Swivel Technologies Ltd
Publication of CN1672180A publication Critical patent/CN1672180A/zh
Pending legal-status Critical Current

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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
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G06Q20/023—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] the neutral party being a clearing house
    • 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
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • 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
    • G06Q20/34—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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/388—Payment protocols; Details thereof using mutual authentication without cards, e.g. challenge-response
    • 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
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • 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
    • G06Q20/4097—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
    • 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)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Finance (AREA)
  • Microelectronics & Electronic Packaging (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)
CN03807792.2A 2002-04-03 2003-03-14 用于信用和借记卡交易的系统与方法 Pending CN1672180A (zh)

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
GB0207705.5 2002-04-03
GB0207705A GB2387253B (en) 2002-04-03 2002-04-03 System and method for secure credit and debit card transactions
US10/131,489 2002-04-25
US10/131,489 US20030191945A1 (en) 2002-04-03 2002-04-25 System and method for secure credit and debit card transactions

Publications (1)

Publication Number Publication Date
CN1672180A true CN1672180A (zh) 2005-09-21

Family

ID=28676501

Family Applications (1)

Application Number Title Priority Date Filing Date
CN03807792.2A Pending CN1672180A (zh) 2002-04-03 2003-03-14 用于信用和借记卡交易的系统与方法

Country Status (11)

Country Link
EP (1) EP1490846A2 (de)
JP (1) JP2005521961A (de)
CN (1) CN1672180A (de)
AU (1) AU2003219276A1 (de)
BR (1) BR0308965A (de)
CA (1) CA2505920A1 (de)
EA (1) EA006395B1 (de)
MX (1) MXPA04009725A (de)
NZ (1) NZ535428A (de)
TW (1) TWI229279B (de)
WO (1) WO2003083793A2 (de)

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WO2008037116A1 (en) * 2006-09-27 2008-04-03 Kamfu Wong Method and system for encrypting transfer that the transfer code adding the user-defined arithmetic equal to the bank password
CN102096968A (zh) * 2009-12-09 2011-06-15 中国银联股份有限公司 一种代授权业务中pin正确性验证的方法
CN102576435A (zh) * 2009-11-09 2012-07-11 日本电气英富醍株式会社 掌上终端和用于掌上终端的支付方法
CN107408246A (zh) * 2014-12-19 2017-11-28 迪堡多富公司 预设置的atm交易
CN116092623A (zh) * 2023-04-12 2023-05-09 四川执象网络有限公司 一种基于基层医学质控的健康数据管理方法

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US10776780B2 (en) * 2016-05-27 2020-09-15 Visa International Service Association Automated reissuance system for prepaid devices
CN109313759B (zh) 2016-06-11 2022-04-26 苹果公司 用于交易的用户界面
US10621581B2 (en) 2016-06-11 2020-04-14 Apple Inc. User interface for transactions
DK201670622A1 (en) 2016-06-12 2018-02-12 Apple Inc User interfaces for transactions
US20180068313A1 (en) 2016-09-06 2018-03-08 Apple Inc. User interfaces for stored-value accounts
DK179978B1 (en) 2016-09-23 2019-11-27 Apple Inc. Image data for enhanced user interactions
US10860199B2 (en) 2016-09-23 2020-12-08 Apple Inc. Dynamically adjusting touch hysteresis based on contextual data
US10496808B2 (en) 2016-10-25 2019-12-03 Apple Inc. User interface for managing access to credentials for use in an operation
KR102185854B1 (ko) 2017-09-09 2020-12-02 애플 인크. 생체측정 인증의 구현
KR102143148B1 (ko) 2017-09-09 2020-08-10 애플 인크. 생체측정 인증의 구현
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Cited By (9)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2008037116A1 (en) * 2006-09-27 2008-04-03 Kamfu Wong Method and system for encrypting transfer that the transfer code adding the user-defined arithmetic equal to the bank password
CN101523449B (zh) * 2006-09-27 2011-04-13 黄金富 传送码加自定算式等于银行密码的加密传送方法和系统
CN102576435A (zh) * 2009-11-09 2012-07-11 日本电气英富醍株式会社 掌上终端和用于掌上终端的支付方法
CN102576435B (zh) * 2009-11-09 2015-05-13 Nec平台株式会社 掌上终端和用于掌上终端的支付方法
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CN102096968A (zh) * 2009-12-09 2011-06-15 中国银联股份有限公司 一种代授权业务中pin正确性验证的方法
CN107408246A (zh) * 2014-12-19 2017-11-28 迪堡多富公司 预设置的atm交易
CN116092623A (zh) * 2023-04-12 2023-05-09 四川执象网络有限公司 一种基于基层医学质控的健康数据管理方法
CN116092623B (zh) * 2023-04-12 2023-07-28 四川执象网络有限公司 一种基于基层医学质控的健康数据管理方法

Also Published As

Publication number Publication date
WO2003083793A2 (en) 2003-10-09
CA2505920A1 (en) 2003-10-09
EP1490846A2 (de) 2004-12-29
WO2003083793A3 (en) 2003-12-31
MXPA04009725A (es) 2005-07-14
BR0308965A (pt) 2005-02-01
JP2005521961A (ja) 2005-07-21
EA200401187A1 (ru) 2005-04-28
AU2003219276A1 (en) 2003-10-13
NZ535428A (en) 2006-08-31
TWI229279B (en) 2005-03-11
TW200306483A (en) 2003-11-16
EA006395B1 (ru) 2005-12-29

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