WO1998054943A3 - Universal electronic transaction system and method therefor - Google Patents

Universal electronic transaction system and method therefor Download PDF

Info

Publication number
WO1998054943A3
WO1998054943A3 PCT/EP1998/002995 EP9802995W WO9854943A3 WO 1998054943 A3 WO1998054943 A3 WO 1998054943A3 EP 9802995 W EP9802995 W EP 9802995W WO 9854943 A3 WO9854943 A3 WO 9854943A3
Authority
WO
WIPO (PCT)
Prior art keywords
method therefor
transaction system
electronic transaction
universal electronic
information
Prior art date
Application number
PCT/EP1998/002995
Other languages
French (fr)
Other versions
WO1998054943A2 (en
WO1998054943A8 (en
Inventor
Ho Keung Tse
Original Assignee
Ho Keung Tse
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 GB9709748A external-priority patent/GB2328310B/en
Application filed by Ho Keung Tse filed Critical Ho Keung Tse
Priority to AU80196/98A priority Critical patent/AU773789B2/en
Priority to JP2000620576A priority patent/JP2003517662A/en
Priority to CA002331339A priority patent/CA2331339A1/en
Priority to EP98928306A priority patent/EP1147497A2/en
Publication of WO1998054943A2 publication Critical patent/WO1998054943A2/en
Publication of WO1998054943A3 publication Critical patent/WO1998054943A3/en
Publication of WO1998054943A8 publication Critical patent/WO1998054943A8/en
Priority to HK02103518.5A priority patent/HK1041962A1/en

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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; CALCULATING OR 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; CALCULATING OR 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
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
    • G06Q20/425—Confirmation, e.g. check or permission by the legal debtor of payment using two different networks, one for transaction and one for security confirmation
    • 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

Abstract

A pager for receiving information of a transaction and information which bears a predetermined relationship to a one-time, non-predictable code; and for conveying the information and the code to its user. The user, after checking the transaction information being correct, sends the code to a control centre directly or through the payee.
PCT/EP1998/002995 1997-05-14 1998-05-12 Universal electronic transaction system and method therefor WO1998054943A2 (en)

Priority Applications (5)

Application Number Priority Date Filing Date Title
AU80196/98A AU773789B2 (en) 1998-05-12 1998-05-12 Universal electronic transaction system and method therefor
JP2000620576A JP2003517662A (en) 1998-05-12 1998-05-12 Electronic trading system and method
CA002331339A CA2331339A1 (en) 1998-05-12 1998-05-12 Electronic transaction system and method therefor
EP98928306A EP1147497A2 (en) 1997-05-14 1998-05-12 Universal electronic transaction system and method therefor
HK02103518.5A HK1041962A1 (en) 1997-05-14 2002-05-09 Universal electronic transaction system and method therefor

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
GB9709748A GB2328310B (en) 1996-05-15 1997-05-14 Electronic transaction apparatus and method therefor
GB9709748.9 1997-05-14

Publications (3)

Publication Number Publication Date
WO1998054943A2 WO1998054943A2 (en) 1998-12-10
WO1998054943A3 true WO1998054943A3 (en) 1999-07-29
WO1998054943A8 WO1998054943A8 (en) 1999-11-18

Family

ID=10812275

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/EP1998/002995 WO1998054943A2 (en) 1997-05-14 1998-05-12 Universal electronic transaction system and method therefor

Country Status (4)

Country Link
EP (1) EP1147497A2 (en)
CN (1) CN1322334A (en)
HK (1) HK1041962A1 (en)
WO (1) WO1998054943A2 (en)

Families Citing this family (11)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
FR2771875B1 (en) * 1997-11-04 2000-04-14 Gilles Jean Antoine Kremer METHOD FOR TRANSMITTING INFORMATION AND COMPUTER SERVER IMPLEMENTING IT
EP1067492A3 (en) * 1999-06-30 2001-01-17 Lucent Technologies Inc. Transaction notification system and method
AU2001253083A1 (en) * 2000-03-29 2001-10-08 Cma Business Credit Services Method and apparatus for admistering one or more value bearing instruments
AU5488301A (en) * 2000-04-19 2001-08-14 Magicaxess Electronic payment method and device
FR2804264B1 (en) * 2000-04-19 2005-03-11 Magicaxess METHOD AND DEVICE FOR ELECTRONIC PAYMENT
EP1182625A1 (en) * 2000-08-25 2002-02-27 TELEFONAKTIEBOLAGET LM ERICSSON (publ) Introduction of an electronic payment transaction
WO2002037355A2 (en) * 2000-11-03 2002-05-10 Tomas Mulet Valles A method to carry out economic transactions through a telecommunications network
FR2816736B1 (en) * 2000-11-10 2003-10-24 Smart Design METHOD AND INSTALLATION FOR SECURING THE USE OF MEDIA ASSOCIATED WITH IDENTIFIERS AND ELECTRONIC DEVICES
JP3902453B2 (en) * 2001-11-19 2007-04-04 富士通株式会社 Electronic money processing method, program, and recording medium
AU2012200393B2 (en) * 2004-08-18 2015-04-02 Mastercard International Incorporated Method and system for authorizing a transaction using a dynamic authorization code
CA2577333C (en) 2004-08-18 2016-05-17 Mastercard International Incorporated Method and system for authorizing a transaction using a dynamic authorization code

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5285496A (en) * 1992-12-14 1994-02-08 Firstperson, Inc. Methods and apparatus for providing a secure paging system
US5483595A (en) * 1993-09-20 1996-01-09 Seiko Communications Holding N.V. Paging device including password accessed stored cryptographic keys
US5521966A (en) * 1993-12-14 1996-05-28 At&T Corp. Method and system for mediating transactions that use portable smart cards
EP0745961A2 (en) * 1995-05-31 1996-12-04 AT&T IPM Corp. Transaction authorization and alert system

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5285496A (en) * 1992-12-14 1994-02-08 Firstperson, Inc. Methods and apparatus for providing a secure paging system
US5483595A (en) * 1993-09-20 1996-01-09 Seiko Communications Holding N.V. Paging device including password accessed stored cryptographic keys
US5521966A (en) * 1993-12-14 1996-05-28 At&T Corp. Method and system for mediating transactions that use portable smart cards
EP0745961A2 (en) * 1995-05-31 1996-12-04 AT&T IPM Corp. Transaction authorization and alert system

Also Published As

Publication number Publication date
WO1998054943A2 (en) 1998-12-10
CN1322334A (en) 2001-11-14
EP1147497A2 (en) 2001-10-24
HK1041962A1 (en) 2002-07-26
WO1998054943A8 (en) 1999-11-18

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