SG77226A1 - Method and system for remote banking with a multi-memory technology smart card - Google Patents

Method and system for remote banking with a multi-memory technology smart card

Info

Publication number
SG77226A1
SG77226A1 SG1999001241A SG1999001241A SG77226A1 SG 77226 A1 SG77226 A1 SG 77226A1 SG 1999001241 A SG1999001241 A SG 1999001241A SG 1999001241 A SG1999001241 A SG 1999001241A SG 77226 A1 SG77226 A1 SG 77226A1
Authority
SG
Singapore
Prior art keywords
memory
smart card
time
transactions
merchant
Prior art date
Application number
SG1999001241A
Other languages
English (en)
Inventor
Joseph C Kawan
Original Assignee
Citicorp Dev Ct 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 Citicorp Dev Ct Inc filed Critical Citicorp Dev Ct Inc
Publication of SG77226A1 publication Critical patent/SG77226A1/en

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
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K7/00—Methods or arrangements for sensing record carriers, e.g. for reading patterns
    • G06K7/0004—Hybrid readers
    • 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
    • G06Q20/34—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
    • G06Q20/357—Cards having a plurality of specified features
    • G06Q20/3576—Multiple memory zones on card
    • 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

Landscapes

  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Computer Security & Cryptography (AREA)
  • Finance (AREA)
  • Artificial Intelligence (AREA)
  • Computer Vision & Pattern Recognition (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
SG1999001241A 1998-03-26 1999-03-24 Method and system for remote banking with a multi-memory technology smart card SG77226A1 (en)

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
US7936698P 1998-03-26 1998-03-26

Publications (1)

Publication Number Publication Date
SG77226A1 true SG77226A1 (en) 2000-12-19

Family

ID=22150072

Family Applications (1)

Application Number Title Priority Date Filing Date
SG1999001241A SG77226A1 (en) 1998-03-26 1999-03-24 Method and system for remote banking with a multi-memory technology smart card

Country Status (3)

Country Link
EP (1) EP0945833A3 (de)
JP (1) JP2000011081A (de)
SG (1) SG77226A1 (de)

Families Citing this family (15)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
GB9824420D0 (en) * 1998-11-07 1998-12-30 Ncr Int Inc Smart card and method of operating the smart card
WO2001027853A1 (en) * 1999-10-07 2001-04-19 Fujitsu Limited Ic card dealing system
WO2001031548A1 (fr) * 1999-10-07 2001-05-03 Fujitsu Limited Procede de transaction et systeme de transaction
EP1168259A3 (de) * 2000-06-28 2003-12-17 Hitachi, Ltd. Datenverwaltungssystem und Verfahren für eine Chip-Karte
KR20000059232A (ko) * 2000-07-24 2000-10-05 안창섭 은행계좌 이력관리시스템과 그 방법
JP2002109169A (ja) 2000-09-29 2002-04-12 Hitachi Ltd 作業支援方法並びにシステム及び作業支援方法を記録した記録媒体
KR20020033928A (ko) * 2000-10-31 2002-05-08 전주호 전자카드를 이용한 학교 내 출석 및 전자카드결제시스템과 그 제어방법
KR20020035291A (ko) * 2000-11-06 2002-05-11 김선섭 사용금액이 제한되는 오프라인방식의 신용카드 결제방법
WO2004006194A1 (ja) * 2002-07-04 2004-01-15 Fujitsu Limited 取引システムおよび取引端末装置
US7475045B2 (en) 2002-07-04 2009-01-06 Fujitsu Limited Transaction system and transaction terminal equipment
US7657486B2 (en) 2005-12-09 2010-02-02 Mastercard International Incorporated Techniques for co-existence of multiple stored value applications on a single payment device managing a shared balance
KR20090050582A (ko) * 2007-11-16 2009-05-20 주식회사 국민은행 디지털 컨텐츠를 제공하는 플래시 메모리를 갖는 칩 카드
US9098851B2 (en) 2008-02-14 2015-08-04 Mastercard International Incorporated Method and apparatus for simplifying the handling of complex payment transactions
US8341084B2 (en) 2009-06-08 2012-12-25 Mastercard International Incorporated Method, apparatus, and computer program product for topping up prepaid payment cards for offline use
WO2018185787A1 (en) * 2017-04-07 2018-10-11 Venkatesan Subasree A system and method of usage of a smart card for cashless transaction

Family Cites Families (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4804825A (en) * 1986-06-17 1989-02-14 Casio Computer Co., Ltd. I C card system
ATE160456T1 (de) * 1986-09-02 1997-12-15 Pitney Bowes Inc Automatisiertes transaktionssystem mit einsteckbaren karten zum übertragen von kontodaten
EP0330404B1 (de) * 1988-02-20 1994-11-30 Fujitsu Limited Chipkarten
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
JPH07141446A (ja) * 1993-11-15 1995-06-02 Hitachi Ltd 現金自動取引装置及び顧客携帯用取引きカード
JPH09237298A (ja) * 1996-02-29 1997-09-09 Hitachi Ltd 電子通貨決済システム

Also Published As

Publication number Publication date
EP0945833A2 (de) 1999-09-29
JP2000011081A (ja) 2000-01-14
EP0945833A3 (de) 1999-10-27

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