DE69620836T2 - Durch elektronische Geldüberweisungen mittels eines Bankenverbindungsnetzwerkes gesichertes Bezahlungssystem - Google Patents

Durch elektronische Geldüberweisungen mittels eines Bankenverbindungsnetzwerkes gesichertes Bezahlungssystem

Info

Publication number
DE69620836T2
DE69620836T2 DE69620836T DE69620836T DE69620836T2 DE 69620836 T2 DE69620836 T2 DE 69620836T2 DE 69620836 T DE69620836 T DE 69620836T DE 69620836 T DE69620836 T DE 69620836T DE 69620836 T2 DE69620836 T2 DE 69620836T2
Authority
DE
Germany
Prior art keywords
electronic money
payment system
connection network
money transfers
system secured
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
DE69620836T
Other languages
English (en)
Other versions
DE69620836D1 (de
Inventor
Stig Frode Mjolsnes
Rolf Michelsen
Marie-Josephe Revillet
Solages Aymeric De
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.)
Ministere des PTT
Orange SA
SINTEF DELAB TRONDHEIM
Original Assignee
Ministere des PTT
France Telecom SA
SINTEF DELAB TRONDHEIM
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 Ministere des PTT, France Telecom SA, SINTEF DELAB TRONDHEIM filed Critical Ministere des PTT
Publication of DE69620836D1 publication Critical patent/DE69620836D1/de
Application granted granted Critical
Publication of DE69620836T2 publication Critical patent/DE69620836T2/de
Anticipated expiration legal-status Critical
Expired - Fee Related legal-status Critical Current

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
    • G06Q20/042—Payment circuits characterized in that the payment protocol involves at least one cheque
    • G06Q20/0425—Payment circuits characterized in that the payment protocol involves at least one cheque the cheque being electronic only
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • 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
    • G06Q20/36—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
    • G06Q20/3678—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 e-cash details, e.g. blinded, divisible or detecting double spending
    • 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
    • G07F7/1016—Devices or methods for securing the PIN and other transaction-data, e.g. by encryption
    • 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
    • H04L9/3247—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 involving digital signatures
    • H04L9/3257—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 involving digital signatures using blind signatures
    • 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
DE69620836T 1995-07-19 1996-07-19 Durch elektronische Geldüberweisungen mittels eines Bankenverbindungsnetzwerkes gesichertes Bezahlungssystem Expired - Fee Related DE69620836T2 (de)

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
FR9508754A FR2737032B1 (fr) 1995-07-19 1995-07-19 Systeme de paiement securise par transfert de monnaie electronique a travers un reseau interbancaire

Publications (2)

Publication Number Publication Date
DE69620836D1 DE69620836D1 (de) 2002-05-29
DE69620836T2 true DE69620836T2 (de) 2002-11-07

Family

ID=9481151

Family Applications (1)

Application Number Title Priority Date Filing Date
DE69620836T Expired - Fee Related DE69620836T2 (de) 1995-07-19 1996-07-19 Durch elektronische Geldüberweisungen mittels eines Bankenverbindungsnetzwerkes gesichertes Bezahlungssystem

Country Status (5)

Country Link
US (1) US5905976A (de)
EP (1) EP0757338B1 (de)
JP (1) JPH0934969A (de)
DE (1) DE69620836T2 (de)
FR (1) FR2737032B1 (de)

Families Citing this family (62)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7020638B1 (en) * 1996-11-18 2006-03-28 Microsoft Corporation System and method for flexible micropayment of low value electronic assets
JPH1166193A (ja) * 1997-08-14 1999-03-09 Hitachi Ltd 電子マネーの管理方法、電子マネーの管理装置および電子マネー管理プログラムを記憶した記憶媒体
US6339765B1 (en) * 1997-11-13 2002-01-15 At&T Corp. Method and apparatus for defining private currencies
JPH11143976A (ja) 1997-11-14 1999-05-28 Hitachi Ltd トークン・バリュー混合型電子マネーカード及び電子マネーカードを取り扱う装置
JP3574559B2 (ja) * 1998-01-27 2004-10-06 株式会社エヌ・ティ・ティ・データ 電子チケットシステム、回収端末、サービス提供端末、利用者端末、電子チケット回収方法及び記録媒体
JP4176180B2 (ja) * 1998-03-13 2008-11-05 富士通株式会社 電子小切手システム、金融情報管理システム、電子小切手管理装置、金融情報管理プログラムを記録したコンピュータ読み取り可能な記録媒体、及び電子小切手管理プログラムを記録したコンピュータ読み取り可能な記録媒体
JP2002529861A (ja) 1998-11-09 2002-09-10 ワンコア ファイナンシャル ネットワーク インク 統合金融取引を実行するシステム及び方法
US8560423B1 (en) * 1999-05-10 2013-10-15 Edeposit Corporation Web-based account management
AU5780200A (en) * 1999-07-06 2001-01-22 Amdahl Corporation Pooled resource e-value multiple provider systems
US6963857B1 (en) * 1999-07-12 2005-11-08 Jsa Technologies Network-accessible account system
WO2001015100A1 (en) 1999-08-26 2001-03-01 Eluv Holdings Ltd. Electronic currency, electronic wallet therefor and electronic payment systems employing them
US8571975B1 (en) 1999-11-24 2013-10-29 Jpmorgan Chase Bank, N.A. System and method for sending money via E-mail over the internet
AU4508001A (en) * 1999-11-29 2001-06-18 Microsoft Corporation System and method for flexible micropayment of low value electronic assets
US6384844B1 (en) * 1999-12-01 2002-05-07 Efunds Corporation Method and apparatus for use in entering financial data into an electronic device
AU3970701A (en) * 1999-12-01 2001-06-12 Efunds Corporation Method and system for funding a financial account
CA2392024C (en) * 1999-12-05 2010-07-13 Moosa Eisa Al Amri Bank cheque system with cheques having storage chips
EP1252595A2 (de) * 2000-01-12 2002-10-30 Metavante Corporation Integrierte geräte zur präsentation und bezahlung elektronischer rechnungen
US20010037295A1 (en) * 2000-01-31 2001-11-01 Olsen Karl R. Push model internet bill presentment and payment system and method
KR100297976B1 (ko) * 2000-02-16 2001-11-03 정창희 컴퓨터 네트워크상에서 사업자고유정보가 마크된 사이버 결제수단의 발행 및 그에 의한 결제 시스템 및 방법
US7848972B1 (en) 2000-04-06 2010-12-07 Metavante Corporation Electronic bill presentment and payment systems and processes
WO2001086558A1 (en) * 2000-05-09 2001-11-15 Metavante Corporation Electronic bill presentment and payment system
US10185936B2 (en) 2000-06-22 2019-01-22 Jpmorgan Chase Bank, N.A. Method and system for processing internet payments
US20020002545A1 (en) * 2000-06-29 2002-01-03 Resneck James D. Electronic money transaction device and method
US20080147564A1 (en) * 2001-06-26 2008-06-19 Tara Chand Singhal Security in use of bankcards that protects bankcard data from merchant systems in a payment card system
WO2002003342A2 (en) * 2000-06-30 2002-01-10 Tara Chand Singhal Method and apparatus for a payment card system
US7822679B1 (en) 2001-10-29 2010-10-26 Visa U.S.A. Inc. Method and system for conducting a commercial transaction between a buyer and a seller
US7370014B1 (en) 2001-11-01 2008-05-06 Metavante Corporation Electronic bill presentment and payment system that obtains user bill information from biller web sites
DE10219731A1 (de) * 2002-05-02 2003-11-20 Giesecke & Devrient Gmbh Verfahren zur Ausführung einer Datentransaktion mittels einer aus einer Haupt- und einer trennbaren Hilfskomponente bestehenden Transaktionsvorrichtung
US8799157B1 (en) 2002-05-08 2014-08-05 Metavante Corporation Business combined bill management system and method
US8751384B2 (en) * 2002-05-08 2014-06-10 Metavante Corporation Integrated bill presentment and payment system and method of operating the same
US8396809B1 (en) 2002-05-14 2013-03-12 Hewlett-Packard Development Company, L.P. Method for reducing purchase time
US7707121B1 (en) * 2002-05-15 2010-04-27 Navio Systems, Inc. Methods and apparatus for title structure and management
US20030217006A1 (en) * 2002-05-15 2003-11-20 Stefan Roever Methods and apparatus for a title transaction network
US7814025B2 (en) * 2002-05-15 2010-10-12 Navio Systems, Inc. Methods and apparatus for title protocol, authentication, and sharing
US20060036447A1 (en) * 2002-05-15 2006-02-16 Stefan Roever Methods of facilitating contact management using a computerized system including a set of titles
US7707066B2 (en) * 2002-05-15 2010-04-27 Navio Systems, Inc. Methods of facilitating merchant transactions using a computerized system including a set of titles
US6934664B1 (en) 2002-05-20 2005-08-23 Palm, Inc. System and method for monitoring a security state of an electronic device
US8224723B2 (en) 2002-05-31 2012-07-17 Jpmorgan Chase Bank, N.A. Account opening system, method and computer program product
US7110980B2 (en) * 2002-06-21 2006-09-19 American Express Bank Ltd. System and method for facilitating electronic transfer of funds
US20040044632A1 (en) * 2002-08-30 2004-03-04 Liav Onn Automated closed banking system
US7729984B1 (en) 2002-09-27 2010-06-01 Abas Enterprises Llc Effecting financial transactions
US20040135805A1 (en) * 2003-01-10 2004-07-15 Gottsacker Neal F. Document composition system and method
US20040215560A1 (en) * 2003-04-25 2004-10-28 Peter Amalraj Integrated payment system and method
US7721304B2 (en) * 2004-06-08 2010-05-18 Cisco Technology, Inc. Method and apparatus providing programmable network intelligence
US8571977B2 (en) 2004-06-17 2013-10-29 Visa International Service Association Method and system for providing seller bank receivable discounting aggregation services
US20080147525A1 (en) * 2004-06-18 2008-06-19 Gene Allen CPU Banking Approach for Transactions Involving Educational Entities
US7711639B2 (en) * 2005-01-12 2010-05-04 Visa International Pre-funding system and method
US20070061254A1 (en) * 2005-09-15 2007-03-15 Richard Blunck Systems and methods for opening, funding, and managing financial accounts
US9177338B2 (en) * 2005-12-29 2015-11-03 Oncircle, Inc. Software, systems, and methods for processing digital bearer instruments
EP1977381A4 (de) 2005-12-29 2014-01-01 Oncircle Inc Software, systeme und verfahren zum verarbeiten von digitalen trägerinstrumenten
US8315952B2 (en) * 2006-03-14 2012-11-20 First Data Corporation Money transfers using digital cash
US20070244816A1 (en) * 2006-04-14 2007-10-18 Mustafa Patni Systems and methods for opening, funding, and/or using a financial account, such as a checking account
WO2007130502A2 (en) 2006-04-29 2007-11-15 Navio Systems, Inc. Enhanced title processing arrangement
US10380621B2 (en) 2006-11-15 2019-08-13 Api Market, Inc. Title-acceptance and processing architecture
US8719128B2 (en) * 2006-12-15 2014-05-06 Tcf Financial Corporation Computer-facilitated secure account-transaction
US20080147526A1 (en) * 2006-12-15 2008-06-19 Gene Allen Computer-Facilitated Account-Transaction System and Method with Multi-Entity Control Logic
JP5186790B2 (ja) * 2007-04-06 2013-04-24 日本電気株式会社 電子マネー取引方法、及び電子マネーシステム
JP4548441B2 (ja) * 2007-04-11 2010-09-22 日本電気株式会社 コンテンツ利用システム、及びコンテンツ利用方法
WO2013019519A1 (en) 2011-08-02 2013-02-07 Rights Over Ip, Llc Rights-based system
RU2011154492A (ru) * 2011-12-30 2013-07-27 Май Партнерс Анд Глобал Старс Инвестментс (Мп&Гси) Лтд Система расчетов электронными чеками и способы выпуска, перевода оплаты и верификации электронных чеков
US9406053B2 (en) * 2013-02-27 2016-08-02 Bottomline Technologies (De) Inc. Mobile check issue capture system and method
US20180300708A1 (en) * 2015-11-02 2018-10-18 Zhana Dar Fin.do- Credit Marketplace Platform For Credit Installment Purchases At Point Of Sale

Family Cites Families (13)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5224162A (en) * 1991-06-14 1993-06-29 Nippon Telegraph And Telephone Corporation Electronic cash system
US5557518A (en) * 1994-04-28 1996-09-17 Citibank, N.A. Trusted agents for open electronic commerce
US5453601A (en) * 1991-11-15 1995-09-26 Citibank, N.A. Electronic-monetary system
US5261002A (en) * 1992-03-13 1993-11-09 Digital Equipment Corporation Method of issuance and revocation of certificates of authenticity used in public key networks and other systems
CA2100134C (en) * 1992-09-29 1999-06-22 Raymond Otto Colbert Secure credit/debit card authorization
US5511121A (en) * 1994-02-23 1996-04-23 Bell Communications Research, Inc. Efficient electronic money
US5577121A (en) * 1994-06-09 1996-11-19 Electronic Payment Services, Inc. Transaction system for integrated circuit cards
US5559887A (en) * 1994-09-30 1996-09-24 Electronic Payment Service Collection of value from stored value systems
US5717868A (en) * 1995-03-07 1998-02-10 Huntington Bancshares Inc. Electronic payment interchange concentrator
US5677955A (en) * 1995-04-07 1997-10-14 Financial Services Technology Consortium Electronic funds transfer instruments
US5745886A (en) * 1995-06-07 1998-04-28 Citibank, N.A. Trusted agents for open distribution of electronic money
US5768385A (en) * 1995-08-29 1998-06-16 Microsoft Corporation Untraceable electronic cash
US5671280A (en) * 1995-08-30 1997-09-23 Citibank, N.A. System and method for commercial payments using trusted agents

Also Published As

Publication number Publication date
FR2737032B1 (fr) 1997-09-26
JPH0934969A (ja) 1997-02-07
EP0757338A1 (de) 1997-02-05
EP0757338B1 (de) 2002-04-24
DE69620836D1 (de) 2002-05-29
US5905976A (en) 1999-05-18
FR2737032A1 (fr) 1997-01-24

Similar Documents

Publication Publication Date Title
DE69620836T2 (de) Durch elektronische Geldüberweisungen mittels eines Bankenverbindungsnetzwerkes gesichertes Bezahlungssystem
BR9606615A (pt) Sistema eletrônico de pagamento de conta
DE69228894D1 (de) Transaktionsvermittlung durch ein Kommunikationssystem
NO961707D0 (no) Elektronisk billett betalings-system
DE69634535D1 (de) Gegossenes gehäuse für einen überprüfer einer banknotenüberprüfungsvorrichtung
DE69432845T2 (de) Vorrichtung zur Transaktions-Abrechnung mittels einer Karte
AU3830697A (en) Electronic money transaction system
EP0762332A3 (de) Abrechnung von Mautgebührentransaktionen in Transpondersystemen
CA2236046A1 (en) Foreign exchange transaction system
BR9608187A (pt) Sistema monetário eletrónico
FR2753557B1 (fr) Borne de paiement electronique pour systeme de transaction a cartes
FR2734071B1 (fr) Carte de paiement electronique a module interchangeable
AU8253391A (en) A system for validating the authenticity of a transaction employing electronic receipts
DE69708921D1 (de) Rückgeldvorrichtung für zahlungsmechanismen
FR2772950B1 (fr) Dispositif electronique de calcul d'une transformee de fourier a architecture dite "pipelinee" et procede de commande correspondant
FR2772951B1 (fr) Procede de commande d'un etage radix 4 d'un dispositif electroonique de calcul d'une transformee de fourier a architecture dite "pipelinee", et dispositif correspondant
SE8602384D0 (sv) Avgiftsbox for att formedla fleravgiftstransaktioner
IT239521Y1 (it) Bollettino per versamenti somme di denaro su c/c postalie su c/c bancari, ambivalente modulare, a forma rettangolare o
WO2000068850A8 (en) Item bank engine for conducting barter transactions over a computer network
KR960027646U (ko) 주화수집기능을 갖는 환전장치
FR2734436B3 (fr) Dispositif pour demander un paiement
AU8983598A (en) Method for controlling sums of money restored by a slot machine electronic coin meter
AU2002218083A1 (en) Real time electronic payment system using customer electronic bill payment system
AU2001290836A1 (en) A transaction system and method using cash cards and a charge settlement network
KR970000548U (ko) 지관용 지폐의 접착제 도포장치

Legal Events

Date Code Title Description
8364 No opposition during term of opposition
8339 Ceased/non-payment of the annual fee