WO2007123856A3 - Methods and systems for secure transactions with electronic devices - Google Patents

Methods and systems for secure transactions with electronic devices Download PDF

Info

Publication number
WO2007123856A3
WO2007123856A3 PCT/US2007/009187 US2007009187W WO2007123856A3 WO 2007123856 A3 WO2007123856 A3 WO 2007123856A3 US 2007009187 W US2007009187 W US 2007009187W WO 2007123856 A3 WO2007123856 A3 WO 2007123856A3
Authority
WO
WIPO (PCT)
Prior art keywords
systems
methods
electronic devices
secure transactions
payee
Prior art date
Application number
PCT/US2007/009187
Other languages
French (fr)
Other versions
WO2007123856A2 (en
WO2007123856A9 (en
Inventor
Thomas F Look
Original Assignee
Veritec Inc
Thomas F Look
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 Veritec Inc, Thomas F Look filed Critical Veritec Inc
Priority to MX2008013361A priority Critical patent/MX2008013361A/en
Priority to JP2009506522A priority patent/JP2009533781A/en
Priority to CA002649101A priority patent/CA2649101A1/en
Priority to EP07755449A priority patent/EP2013848A4/en
Priority to AU2007240955A priority patent/AU2007240955A1/en
Publication of WO2007123856A2 publication Critical patent/WO2007123856A2/en
Publication of WO2007123856A9 publication Critical patent/WO2007123856A9/en
Publication of WO2007123856A3 publication Critical patent/WO2007123856A3/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
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network 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
    • G06Q20/38—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
    • 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
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/326—Payment applications installed on the mobile devices
    • 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
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3274—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
    • 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
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3821—Electronic credentials
    • 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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]
    • G06Q30/0603—Catalogue ordering
    • 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
    • H04L9/08—Key distribution or management, e.g. generation, sharing or updating, of cryptographic keys or passwords
    • H04L9/0861—Generation of secret information including derivation or calculation of cryptographic keys or passwords
    • H04L9/0866—Generation of secret information including derivation or calculation of cryptographic keys or passwords involving user or device identifiers, e.g. serial number, physical or biometrical information, DNA, hand-signature or measurable physical characteristics
    • 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
    • H04L9/3226—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 using a predetermined code, e.g. password, passphrase or PIN
    • 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
    • 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
    • H04L2209/80—Wireless
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W12/00—Security arrangements; Authentication; Protecting privacy or anonymity
    • H04W12/06—Authentication
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W12/00—Security arrangements; Authentication; Protecting privacy or anonymity
    • H04W12/60—Context-dependent security
    • H04W12/69—Identity-dependent
    • H04W12/77—Graphical identity

Abstract

Methods and systems for conducting transactions using an electronic device are provided. For example, a mobile electronic device such as a mobile phone or the like can be used to purchase goods from a merchant. An exemplary method comprises the steps of selecting a payee, generating a secure two-dimensional code comprising transaction information, providing the secure two-dimensional code to the payee, and authorizing a payment to the payee.
PCT/US2007/009187 2006-04-17 2007-04-16 Methods and systems for secure transactions with electronic devices WO2007123856A2 (en)

Priority Applications (5)

Application Number Priority Date Filing Date Title
MX2008013361A MX2008013361A (en) 2006-04-17 2007-04-16 Methods and systems for secure transactions with electronic devices.
JP2009506522A JP2009533781A (en) 2006-04-17 2007-04-16 Method and system for secure commercial transactions using electronic devices
CA002649101A CA2649101A1 (en) 2006-04-17 2007-04-16 Methods and systems for secure transactions with electronic devices
EP07755449A EP2013848A4 (en) 2006-04-17 2007-04-16 Methods and systems for secure transactions with electronic devices
AU2007240955A AU2007240955A1 (en) 2006-04-17 2007-04-16 Methods and systems for secure transactions with electronic devices

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US79284506P 2006-04-17 2006-04-17
US60/792,845 2006-04-17

Publications (3)

Publication Number Publication Date
WO2007123856A2 WO2007123856A2 (en) 2007-11-01
WO2007123856A9 WO2007123856A9 (en) 2007-12-21
WO2007123856A3 true WO2007123856A3 (en) 2008-02-07

Family

ID=38625526

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2007/009187 WO2007123856A2 (en) 2006-04-17 2007-04-16 Methods and systems for secure transactions with electronic devices

Country Status (10)

Country Link
US (1) US20070260558A1 (en)
EP (1) EP2013848A4 (en)
JP (1) JP2009533781A (en)
KR (1) KR20090005336A (en)
CN (1) CN101454797A (en)
AU (1) AU2007240955A1 (en)
CA (1) CA2649101A1 (en)
MX (1) MX2008013361A (en)
WO (1) WO2007123856A2 (en)
ZA (1) ZA200808794B (en)

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Also Published As

Publication number Publication date
JP2009533781A (en) 2009-09-17
ZA200808794B (en) 2010-05-26
KR20090005336A (en) 2009-01-13
CA2649101A1 (en) 2007-11-01
WO2007123856A2 (en) 2007-11-01
MX2008013361A (en) 2009-01-22
AU2007240955A2 (en) 2008-12-18
EP2013848A2 (en) 2009-01-14
EP2013848A4 (en) 2011-07-06
AU2007240955A1 (en) 2007-11-01
US20070260558A1 (en) 2007-11-08
CN101454797A (en) 2009-06-10
WO2007123856A9 (en) 2007-12-21

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