EP2807600A4 - Portefeuille électronique portable et carte universelle - Google Patents

Portefeuille électronique portable et carte universelle

Info

Publication number
EP2807600A4
EP2807600A4 EP13740930.6A EP13740930A EP2807600A4 EP 2807600 A4 EP2807600 A4 EP 2807600A4 EP 13740930 A EP13740930 A EP 13740930A EP 2807600 A4 EP2807600 A4 EP 2807600A4
Authority
EP
European Patent Office
Prior art keywords
portable electronic
universal card
electronic portfolio
portfolio
universal
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.)
Ceased
Application number
EP13740930.6A
Other languages
German (de)
English (en)
Other versions
EP2807600A1 (fr
Inventor
Douglas Spodak
Ron Fridman
Neill Joseph A O'
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.)
GONOW TECHNOLOGIES,LLC
Original Assignee
GONOW TECHNOLOGIES LLC
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 US13/359,352 external-priority patent/US9195926B2/en
Priority claimed from US13/438,131 external-priority patent/US8671055B2/en
Priority claimed from US13/630,248 external-priority patent/US9218557B2/en
Priority claimed from US13/644,714 external-priority patent/US9129199B2/en
Priority claimed from US13/717,363 external-priority patent/US9177241B2/en
Application filed by GONOW TECHNOLOGIES LLC filed Critical GONOW TECHNOLOGIES LLC
Publication of EP2807600A1 publication Critical patent/EP2807600A1/fr
Publication of EP2807600A4 publication Critical patent/EP2807600A4/fr
Ceased legal-status Critical Current

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
    • G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
    • G06K19/077—Constructional details, e.g. mounting of circuits in the carrier
    • G06K19/07716—Constructional details, e.g. mounting of circuits in the carrier the record carrier comprising means for customization, e.g. being arranged for personalization in batch
    • 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
    • G06Q20/105—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 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
    • G06Q20/346—Cards serving only as information carrier of service
    • 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
    • G06Q20/355—Personalisation of cards for use
    • G06Q20/3552—Downloading or loading of personalisation data
    • 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
    • G06Q20/3672—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 initialising or reloading thereof
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
    • H04L9/32—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
    • H04L9/3271—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials using challenge-response
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L2209/00—Additional information or applications relating to cryptographic mechanisms or cryptographic arrangements for secret or secure communication H04L9/00
    • H04L2209/56—Financial cryptography, e.g. electronic payment or e-cash
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L2209/00—Additional information or applications relating to cryptographic mechanisms or cryptographic arrangements for secret or secure communication H04L9/00
    • H04L2209/80—Wireless
    • H04L2209/805—Lightweight hardware, e.g. radio-frequency identification [RFID] or sensor

Landscapes

  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Computer Security & Cryptography (AREA)
  • Signal Processing (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Computer Hardware Design (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
EP13740930.6A 2012-01-26 2013-01-25 Portefeuille électronique portable et carte universelle Ceased EP2807600A4 (fr)

Applications Claiming Priority (6)

Application Number Priority Date Filing Date Title
US13/359,352 US9195926B2 (en) 2010-03-02 2012-01-26 Portable e-wallet and universal card
US13/438,131 US8671055B2 (en) 2010-03-02 2012-04-03 Portable E-wallet and universal card
US13/630,248 US9218557B2 (en) 2010-03-02 2012-09-28 Portable e-wallet and universal card
US13/644,714 US9129199B2 (en) 2010-03-02 2012-10-04 Portable E-wallet and universal card
US13/717,363 US9177241B2 (en) 2010-03-02 2012-12-17 Portable e-wallet and universal card
PCT/US2013/023149 WO2013112839A1 (fr) 2012-01-26 2013-01-25 Portefeuille électronique portable et carte universelle

Publications (2)

Publication Number Publication Date
EP2807600A1 EP2807600A1 (fr) 2014-12-03
EP2807600A4 true EP2807600A4 (fr) 2015-12-09

Family

ID=48873947

Family Applications (1)

Application Number Title Priority Date Filing Date
EP13740930.6A Ceased EP2807600A4 (fr) 2012-01-26 2013-01-25 Portefeuille électronique portable et carte universelle

Country Status (2)

Country Link
EP (1) EP2807600A4 (fr)
WO (1) WO2013112839A1 (fr)

Families Citing this family (23)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US10248949B2 (en) * 2012-05-29 2019-04-02 CardLab ApS. Method for encrypting transactions at a dynamic transaction card
US20150339662A1 (en) * 2014-05-23 2015-11-26 LoopPay Inc. Systems and methods for linking devices to user accounts
EP3172724A1 (fr) * 2014-07-22 2017-05-31 MT Bilgi Teknolojileri Ve Dis Ticaret A.S. Terminal de vente et de paiement sécurisé biométrique utilisant des procédés de reconnaissance faciale et de définition des empreintes digitales
SG11201703723WA (en) * 2014-11-07 2017-06-29 Tendyron Corp Data interaction method and system
US10334431B2 (en) 2014-12-23 2019-06-25 Intel Corporation Near field communications (NFC)-based offload of NFC operation
WO2017127876A1 (fr) 2016-01-29 2017-08-03 Xard Group Pty Ltd Validation de transactions
EP3408812A4 (fr) 2016-01-29 2019-07-24 Xard Group Pty Ltd Lecteur biométrique dans une carte
US20190043039A1 (en) 2016-01-29 2019-02-07 Xard Group Pty Ltd. Transaction recording
WO2017127880A1 (fr) * 2016-01-29 2017-08-03 Xard Group Pty Ltd Appareil et procédé d'émulation d'une infrastructure transactionnelle au moyen d'une unité de traitement de transactions numériques (dtpu)
US11972433B2 (en) 2016-04-13 2024-04-30 Mastercard International Incorporated System and method for provisioning payment token to payment accessory device
US11823161B2 (en) 2016-04-13 2023-11-21 Mastercard International Incorporated System and method for peer-to-peer assistance in provisioning payment tokens to mobile devices
EP3482366B1 (fr) * 2016-07-11 2023-10-25 Cardlab ApS Procédé de cryptage de transactions au niveau d'une carte de transaction dynamique
WO2019022846A1 (fr) * 2017-07-25 2019-01-31 Mastercard International Incorporated Système et procédé de fourniture de jeton de paiement à un dispositif accessoire de paiement
US11049822B1 (en) 2019-12-20 2021-06-29 Capital One Services, Llc Systems and methods for the use of fraud prevention fluid to prevent chip fraud
US10888940B1 (en) 2019-12-20 2021-01-12 Capital One Services, Llc Systems and methods for saw tooth milling to prevent chip fraud
US10977539B1 (en) 2019-12-20 2021-04-13 Capital One Services, Llc Systems and methods for use of capacitive member to prevent chip fraud
US10817768B1 (en) 2019-12-20 2020-10-27 Capital One Services, Llc Systems and methods for preventing chip fraud by inserts in chip pocket
US10810475B1 (en) 2019-12-20 2020-10-20 Capital One Services, Llc Systems and methods for overmolding a card to prevent chip fraud
US11715103B2 (en) 2020-08-12 2023-08-01 Capital One Services, Llc Systems and methods for chip-based identity verification and transaction authentication
US11704399B2 (en) * 2020-11-17 2023-07-18 Capital One Services, Llc Medium for temporary account access
CN113965228B (zh) * 2021-10-08 2022-08-12 深圳市汇顶科技股份有限公司 扩展nfc卡模拟功能的方法、nfc扩展设备和nfc终端
CN115022886B (zh) * 2022-05-26 2025-09-23 Oppo广东移动通信有限公司 一种nfc卡的读写方法、移动终端及计算机存储介质
US12438873B2 (en) 2023-08-10 2025-10-07 Bank Of America Corporation System and method for authentication of device transfers in a distributed network

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20030132298A1 (en) * 1996-09-05 2003-07-17 Jerome Swartz Consumer interactive shopping system
US20060163353A1 (en) * 2005-01-24 2006-07-27 Vivotech, Inc. External adaptor for magnetic stripe card reader
US20100057580A1 (en) * 2008-08-28 2010-03-04 Radha Raghunathan Unified payment card
US20110219026A1 (en) * 2008-11-04 2011-09-08 Bo Schonemann Method and system for distributing information relating to a piece of music and/or a movie/video
US20110218911A1 (en) * 2010-03-02 2011-09-08 Douglas Spodak Portable e-wallet and universal card

Family Cites Families (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7747523B2 (en) * 1998-03-30 2010-06-29 Cohen Morris E Internet-based financial vehicles
AU7621300A (en) * 1999-09-28 2001-04-30 Chameleon Network Inc. Portable electronic authorization system and associated method
US20060190412A1 (en) * 2000-02-11 2006-08-24 Maurice Ostroff Method and system for preventing fraudulent use of credit cards and credit card information, and for preventing unauthorized access to restricted physical and virtual sites
DE102006027200A1 (de) * 2006-06-12 2007-12-27 Giesecke & Devrient Gmbh Datenträger und Verfahren zur kontaktlosen Kommunikation zwischen dem Datenträger und einem Lesegerät
FR2922701B1 (fr) * 2007-10-23 2009-11-20 Inside Contacless Procede de personnalisation securise d'un chipset nfc

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20030132298A1 (en) * 1996-09-05 2003-07-17 Jerome Swartz Consumer interactive shopping system
US20060163353A1 (en) * 2005-01-24 2006-07-27 Vivotech, Inc. External adaptor for magnetic stripe card reader
US20100057580A1 (en) * 2008-08-28 2010-03-04 Radha Raghunathan Unified payment card
US20110219026A1 (en) * 2008-11-04 2011-09-08 Bo Schonemann Method and system for distributing information relating to a piece of music and/or a movie/video
US20110218911A1 (en) * 2010-03-02 2011-09-08 Douglas Spodak Portable e-wallet and universal card

Non-Patent Citations (1)

* Cited by examiner, † Cited by third party
Title
See also references of WO2013112839A1 *

Also Published As

Publication number Publication date
WO2013112839A1 (fr) 2013-08-01
EP2807600A1 (fr) 2014-12-03

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