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GB2328310B - Electronic transaction apparatus and method therefor - Google Patents

Electronic transaction apparatus and method therefor

Info

Publication number
GB2328310B
GB2328310B GB9709748A GB9709748A GB2328310B GB 2328310 B GB2328310 B GB 2328310B GB 9709748 A GB9709748 A GB 9709748A GB 9709748 A GB9709748 A GB 9709748A GB 2328310 B GB2328310 B GB 2328310B
Authority
GB
United Kingdom
Prior art keywords
method therefor
electronic transaction
transaction apparatus
electronic
therefor
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.)
Expired - Fee Related
Application number
GB9709748A
Other versions
GB2328310A (en
GB9709748D0 (en
Inventor
Ho Keung Tse
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.)
Individual
Original Assignee
Individual
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 GBGB9610194.4A external-priority patent/GB9610194D0/en
Priority claimed from GBGB9610522.6A external-priority patent/GB9610522D0/en
Application filed by Individual filed Critical Individual
Publication of GB9709748D0 publication Critical patent/GB9709748D0/en
Priority to EP98928306A priority Critical patent/EP1147497A2/en
Priority to CN98814026A priority patent/CN1322334A/en
Priority to PCT/EP1998/002995 priority patent/WO1998054943A2/en
Publication of GB2328310A publication Critical patent/GB2328310A/en
Publication of GB2328310B publication Critical patent/GB2328310B/en
Application granted granted Critical
Priority to HK02103518.5A priority patent/HK1041962A1/en
Anticipated expiration legal-status Critical
Expired - Fee Related legal-status Critical Current

Links

Classifications

    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
    • H04L63/083—Network architectures or network communication protocols for network security for authentication of entities using passwords
    • H04L63/0838—Network architectures or network communication protocols for network security for authentication of entities using passwords using one-time-passwords
    • 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
    • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
    • 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
    • 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
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/18—Network architectures or network communication protocols for network security using different networks or channels, e.g. using out of band channels

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Finance (AREA)
  • Computer Security & Cryptography (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Computer Hardware Design (AREA)
  • Computing Systems (AREA)
  • General Engineering & Computer Science (AREA)
  • Signal Processing (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Mobile Radio Communication Systems (AREA)
GB9709748A 1996-05-15 1997-05-14 Electronic transaction apparatus and method therefor Expired - Fee Related GB2328310B (en)

Priority Applications (4)

Application Number Priority Date Filing Date Title
PCT/EP1998/002995 WO1998054943A2 (en) 1997-05-14 1998-05-12 Universal electronic transaction system and method therefor
CN98814026A CN1322334A (en) 1997-05-14 1998-05-12 General Electronic Trading System and Method
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
GBGB9610194.4A GB9610194D0 (en) 1996-05-15 1996-05-15 Method and apparatus for effecting secure electronic funds transfer
GBGB9610522.6A GB9610522D0 (en) 1996-05-20 1996-05-20 Method and apparatus for effecting secure electronic fund transactions

Publications (3)

Publication Number Publication Date
GB9709748D0 GB9709748D0 (en) 1997-07-02
GB2328310A GB2328310A (en) 1999-02-17
GB2328310B true GB2328310B (en) 1999-12-08

Family

ID=26309339

Family Applications (1)

Application Number Title Priority Date Filing Date
GB9709748A Expired - Fee Related GB2328310B (en) 1996-05-15 1997-05-14 Electronic transaction apparatus and method therefor

Country Status (1)

Country Link
GB (1) GB2328310B (en)

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7979348B2 (en) 2002-04-23 2011-07-12 Clearing House Payments Co Llc Payment identification code and payment system using the same

Families Citing this family (27)

* 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
EP1192572A2 (en) 1999-04-30 2002-04-03 PayPal, Inc. System and method for electronically exchanging value among distributed users
GB2360383C (en) * 2000-03-17 2005-10-10 Tradesafely Com Ltd Payment authorisation method and apparatus
CN1486476A (en) * 2000-06-26 2004-03-31 ض� Method and apparatus for using a cellular telephone as an authentification device
JP5005871B2 (en) * 2000-07-10 2012-08-22 ペイパル， インコーポレイテッド System and method for validating financial instruments
GB2371136A (en) * 2000-08-31 2002-07-17 Martin Ranicar-Breese Transaction authorisation
GB2366432A (en) * 2000-09-04 2002-03-06 Sonera Smarttrust Oy Secure electronic payment system
GB2373616A (en) * 2001-03-24 2002-09-25 Merlin Analysis Ltd Remote cardholder verification process
GB2377523B (en) * 2001-04-12 2003-11-26 Netdesigns Ltd User identity verification system
FR2829647A1 (en) * 2001-09-11 2003-03-14 Mathieu Schnee Authentication of a transaction relating to acquisition and payment for goods and services, whereby authentication makes use of both Internet and mobile phone technology for transmission and validation of codes and passwords
DE10151278A1 (en) * 2001-10-22 2003-04-30 Bosch Gmbh Robert Process for the provision of services of a service provider and device therefor
GB2387002A (en) * 2002-02-20 2003-10-01 1Revolution Group Plc Personal identification system and method using a mobile device
CA2505920A1 (en) * 2002-04-03 2003-10-09 Swivel Secure Limited System and method for secure credit and debit card transactions
WO2004102486A1 (en) * 2003-05-13 2004-11-25 Matsushita Electric Industrial Co., Ltd. Value holding system, value holding method, value holding program, and transaction system
US8725607B2 (en) 2004-01-30 2014-05-13 The Clearing House Payments Company LLC Electronic payment clearing and check image exchange systems and methods
EP1802155A1 (en) 2005-12-21 2007-06-27 Cronto Limited System and method for dynamic multifactor authentication
JP4693171B2 (en) * 2006-03-17 2011-06-01 株式会社日立ソリューションズ Authentication system
GB2438651A (en) * 2006-06-02 2007-12-05 Michael Arnold Secure financial transactions
US8549301B2 (en) * 2006-09-15 2013-10-01 Comfact Ab Method and computer system for ensuring authenticity of an electronic transaction
US20090106118A1 (en) 2007-10-19 2009-04-23 Ebay Inc Payment using funds pushing
KR101319134B1 (en) * 2009-08-25 2013-10-17 주식회사 홍인터내셔날 Network Dart Game System for participating a tournament and method thereof
WO2011106716A1 (en) 2010-02-25 2011-09-01 Secureauth Corporation Security device provisioning
ITRM20110125A1 (en) * 2011-03-16 2012-09-17 Solidonet S R L PROCEDURE AND SYSTEM TO AUTHORIZE A BUSINESS TRANSACTION.
US11295308B1 (en) 2014-10-29 2022-04-05 The Clearing House Payments Company, L.L.C. Secure payment processing
US11042882B2 (en) 2015-07-01 2021-06-22 The Clearing House Payments Company, L.L.C. Real-time payment system, method, apparatus, and computer program
US11694168B2 (en) 2015-07-01 2023-07-04 The Clearing House Payments Company L.L.C. Real-time payment system, method, apparatus, and computer program
US11436577B2 (en) 2018-05-03 2022-09-06 The Clearing House Payments Company L.L.C. Bill pay service with federated directory model support

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4536647A (en) * 1983-07-15 1985-08-20 Atalla Corporation Pocket banking terminal, method and system
US4797920A (en) * 1987-05-01 1989-01-10 Mastercard International, Inc. Electronic funds transfer system with means for verifying a personal identification number without pre-established secret keys
WO1996000485A2 (en) * 1994-06-24 1996-01-04 Telefonaktiebolaget Lm Ericsson User authentication method and apparatus

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4536647A (en) * 1983-07-15 1985-08-20 Atalla Corporation Pocket banking terminal, method and system
US4797920A (en) * 1987-05-01 1989-01-10 Mastercard International, Inc. Electronic funds transfer system with means for verifying a personal identification number without pre-established secret keys
WO1996000485A2 (en) * 1994-06-24 1996-01-04 Telefonaktiebolaget Lm Ericsson User authentication method and apparatus

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7979348B2 (en) 2002-04-23 2011-07-12 Clearing House Payments Co Llc Payment identification code and payment system using the same

Also Published As

Publication number Publication date
GB2328310A (en) 1999-02-17
GB9709748D0 (en) 1997-07-02

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Legal Events

Date Code Title Description
710B Request of alter time limits
RJ Reinstated under rule 110(4) or 100(2) - alteration of time limits
PCNP Patent ceased through non-payment of renewal fee

Effective date: 20070514