EP4014163A4 - PAYMENT CARD SECURITY - Google Patents

PAYMENT CARD SECURITY Download PDF

Info

Publication number: EP4014163A4
Authority: EP; European Patent Office
Prior art keywords: payment card; card security; security; payment; card
Prior art date: 2019-08-16
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 Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.): Withdrawn

Application number

EP19942408.6A

Other languages

German (de)

French (fr)

Other versions

EP4014163A1 (en

Inventor

Desheng Wang

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.)

Focus Universal Inc

Original Assignee

Focus Universal 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.)

2019-08-16

Filing date

2019-08-16

Publication date

2023-06-14

2019-08-16 Application filed by Focus Universal Inc filed Critical Focus Universal Inc

2022-06-22 Publication of EP4014163A1 publication Critical patent/EP4014163A1/en

2023-06-14 Publication of EP4014163A4 publication Critical patent/EP4014163A4/en

Status Withdrawn legal-status Critical Current

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
- G06Q20/30—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
- G06Q20/356—Aspects of software for card payments
- 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
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- 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
- G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
- 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
- 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)
Finance (AREA)
Microelectronics & Electronic Packaging (AREA)
Computer Networks & Wireless Communication (AREA)
Computer Security & Cryptography (AREA)
Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

EP19942408.6A 2019-08-16 2019-08-16 PAYMENT CARD SECURITY Withdrawn EP4014163A4 (en)

Applications Claiming Priority (1)

Application Number	Priority Date	Filing Date	Title
PCT/US2019/046909 WO2021034307A1 (en)	2019-08-16	2019-08-16	Payment card security

Publications (2)

Publication Number	Publication Date
EP4014163A1 EP4014163A1 (en)	2022-06-22
EP4014163A4 true EP4014163A4 (en)	2023-06-14

Family

ID=74659518

Family Applications (1)

Application Number	Title	Priority Date	Filing Date
EP19942408.6A Withdrawn EP4014163A4 (en)	2019-08-16	2019-08-16	PAYMENT CARD SECURITY

Country Status (3)

Country	Link
EP (1)	EP4014163A4 (en)
AU (1)	AU2019462043A1 (en)
WO (1)	WO2021034307A1 (en)

Citations (1)

* Cited by examiner, † Cited by third party
Publication number	Priority date	Publication date	Assignee	Title
WO2018035929A1 (en) *	2016-08-23	2018-03-01	宇龙计算机通信科技(深圳)有限公司	Method and apparatus for processing verification code

Family Cites Families (5)

* Cited by examiner, † Cited by third party
Publication number	Priority date	Publication date	Assignee	Title
US7793851B2 (en) *	2005-05-09	2010-09-14	Dynamics Inc.	Dynamic credit card with magnetic stripe and embedded encoder and methods for using the same to provide a copy-proof credit card
US8181861B2 (en) *	2008-10-13	2012-05-22	Miri Systems, Llc	Electronic transaction security system and method
US8739262B2 (en) *	2009-12-18	2014-05-27	Sabre Glbl Inc.	Tokenized data security
IL217834A (en) *	2012-01-30	2017-06-29	Rahamim Karakop	System and method for securing credit cards
KR101354388B1 (en) *	2012-12-12	2014-01-23	신한카드 주식회사	Generating method for one time code

2019
- 2019-08-16 EP EP19942408.6A patent/EP4014163A4/en not_active Withdrawn
- 2019-08-16 AU AU2019462043A patent/AU2019462043A1/en not_active Abandoned
- 2019-08-16 WO PCT/US2019/046909 patent/WO2021034307A1/en not_active Ceased

Patent Citations (1)

* Cited by examiner, † Cited by third party
Publication number	Priority date	Publication date	Assignee	Title
WO2018035929A1 (en) *	2016-08-23	2018-03-01	宇龙计算机通信科技(深圳)有限公司	Method and apparatus for processing verification code

Also Published As

Publication number	Publication date
EP4014163A1 (en)	2022-06-22
WO2021034307A1 (en)	2021-02-25
AU2019462043A1 (en)	2022-04-07

Publication	Publication Date	Title
CA187172S (en)	2020-05-21	Transaction card
EP3414728A4 (en)	2019-10-02	TELEMATIC AUTHENTICATION
EP3507753A4 (en)	2020-04-29	ACCELERATED VIRTUAL CURRENCY TRANSACTION SYSTEM
EP3268913A4 (en)	2018-09-19	Payment card storing tokenized information
EP3610433C0 (en)	2024-05-15	DATA SECURITY
EP4006813C0 (en)	2025-10-22	CARD READERS WITH DATA SPY PROTECTION
EP3602681C0 (en)	2025-07-09	CONTACTLESS METAL CARD CONSTRUCTIONS
CA189687S (en)	2020-12-23	Transaction card
EP3785172A4 (en)	2022-01-05	IDENTIFICATION CARD
AU201615829S (en)	2017-01-05	Transaction card
GB2581935B (en)	2021-02-03	Authenticating a payment card
AU201615830S (en)	2017-01-05	Transaction card
FR3039297B1 (en)	2018-05-18	COMPACT CARD READER
GB201711462D0 (en)	2017-08-30	Biometric bank card
EP3894175A4 (en)	2022-07-27	METAL TRANSACTION CARDS
DK3279848T3 (en)	2022-04-04	DYNAMIC SECURITY CODE FOR A CARD TRANSACTION
SG11202008538UA (en)	2020-10-29	Transaction security
DK3279849T3 (en)	2022-04-11	DYNAMIC SECURITY CODE FOR A CARD TRANSACTION
EP3997644A4 (en)	2023-08-02	IMPROVED PAYMENT PROCESSING
EP3678137A4 (en)	2021-05-19	CARD READER
JP1734399S (en)	2023-01-13	credit card
EP4014163A4 (en)	2023-06-14	PAYMENT CARD SECURITY
EP3761247C0 (en)	2025-09-03	SECURE PAYMENT TRANSACTIONS
EP3610379A4 (en)	2020-12-23	TRANSACTION IDENTIFICATION
JP1745327S (en)	2023-06-02	card reader

Legal Events

Date	Code	Title	Description
2021-02-26	STAA	Information on the status of an ep patent application or granted ep patent	Free format text: STATUS: THE INTERNATIONAL PUBLICATION HAS BEEN MADE
2022-05-20	PUAI	Public reference made under article 153(3) epc to a published international application that has entered the european phase	Free format text: ORIGINAL CODE: 0009012
2022-05-20	STAA	Information on the status of an ep patent application or granted ep patent	Free format text: STATUS: REQUEST FOR EXAMINATION WAS MADE
2022-06-22	17P	Request for examination filed	Effective date: 20220316
2022-06-22	AK	Designated contracting states	Kind code of ref document: A1 Designated state(s): AL AT BE BG CH CY CZ DE DK EE ES FI FR GB GR HR HU IE IS IT LI LT LU LV MC MK MT NL NO PL PT RO RS SE SI SK SM TR
2022-07-20	RAP3	Party data changed (applicant data changed or rights of an application transferred)	Owner name: FOCUS UNIVERSAL INC.
2022-11-23	DAV	Request for validation of the european patent (deleted)
2022-11-23	DAX	Request for extension of the european patent (deleted)
2023-05-08	REG	Reference to a national code	Ref country code: DE Ref legal event code: R079 Free format text: PREVIOUS MAIN CLASS: G06K0019060000 Ipc: G06Q0020380000
2023-06-14	A4	Supplementary search report drawn up and despatched	Effective date: 20230512
2023-06-14	RIC1	Information provided on ipc code assigned before grant	Ipc: H04L 9/08 20060101ALI20230508BHEP Ipc: G07F 7/10 20060101ALI20230508BHEP Ipc: G06Q 20/40 20120101ALI20230508BHEP Ipc: G06Q 20/34 20120101ALI20230508BHEP Ipc: G06Q 20/38 20120101AFI20230508BHEP
2024-06-14	STAA	Information on the status of an ep patent application or granted ep patent	Free format text: STATUS: THE APPLICATION IS DEEMED TO BE WITHDRAWN
2024-07-17	18D	Application deemed to be withdrawn	Effective date: 20240301