CA2430456A1 - Offline code based reloading system - Google Patents
Offline code based reloading system Download PDFInfo
- Publication number
- CA2430456A1 CA2430456A1 CA002430456A CA2430456A CA2430456A1 CA 2430456 A1 CA2430456 A1 CA 2430456A1 CA 002430456 A CA002430456 A CA 002430456A CA 2430456 A CA2430456 A CA 2430456A CA 2430456 A1 CA2430456 A1 CA 2430456A1
- Authority
- CA
- Canada
- Prior art keywords
- tsn
- otn
- cic
- value
- purse
- 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.)
- Granted
Links
Classifications
-
- 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
- G07F7/0866—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 by active credit-cards adapted 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
- G06Q20/08—Payment architectures
- G06Q20/085—Payment architectures involving remote charge determination or related payment 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
- G06Q20/08—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
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/105—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems involving programming of a portable memory device, e.g. IC cards, "electronic purses"
-
- 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
- G06Q20/108—Remote banking, e.g. home banking
-
- 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
- G06Q20/108—Remote banking, e.g. home banking
- G06Q20/1085—Remote banking, e.g. home banking involving automatic teller machines [ATMs]
-
- 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
- G06Q20/357—Cards having a plurality of specified features
- G06Q20/3572—Multiple accounts on card
-
- 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
- G06Q20/363—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user
-
- 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
- G06Q20/3672—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 initialising or reloading thereof
-
- 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
-
- 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
Abstract
An offline code-based reload device and method for adding value to a reconfigurable memory storage means in a portable storage medium. Reload is effected using a reload device not directly connected by telephone or any other communication network to a value supplier. The system uses a "one time use number" ("OTN") generated by a computer program containing an algorithm containing information on the value to be added and a transaction sequence number ("TSN"). Upon presentation of the portable storage medium to the reload device and entry of the OTN into a numeric keypad, the reload device decodes or disassembles the OTN to verify its authenticity, validate that it was created for the specific portable storage medium presented to the reload device and to verify through the TSN that the OTN has not been previously used to add value from the receiving reload device or any other reload device. The reload device further extracts the value from the OTN, adds the value to a selected purse on the portable storage medium and loads a new TSN to the portable storage medium.
Claims (9)
1. A reload device for a portable value storage medium ("medium") comprising:
a medium reader for reading a stored Transaction Sequence Number ("TSN") and at least one purse address stored on said medium;
a CIC input means for receiving a presented Card Identifier Code ("CIC");
an OTN input means for receiving a One Time Number ("OTN") containing encrypted TSN, CIC purse address and value components;
a decoder for decoding said OTN to determine said encrypted TSN, CIC purse address and value components;
a comparator communicating with said medium reader, CIC input means, OTN
input means and decoder for comparing at least said encrypted TSN, CIC and purse address with said stored TSN, purse address and presented CIC;
a loader for loading value onto a purse on said medium identified by said purse address in an amount corresponding to said value, said loader communicating with said comparator and being configured to only load said value; if said encrypted TSN and CIC components accord with said stored TSN and said presented CIC; and, a TSN updater for updating said stored TSN to a next sequential TSN.
a medium reader for reading a stored Transaction Sequence Number ("TSN") and at least one purse address stored on said medium;
a CIC input means for receiving a presented Card Identifier Code ("CIC");
an OTN input means for receiving a One Time Number ("OTN") containing encrypted TSN, CIC purse address and value components;
a decoder for decoding said OTN to determine said encrypted TSN, CIC purse address and value components;
a comparator communicating with said medium reader, CIC input means, OTN
input means and decoder for comparing at least said encrypted TSN, CIC and purse address with said stored TSN, purse address and presented CIC;
a loader for loading value onto a purse on said medium identified by said purse address in an amount corresponding to said value, said loader communicating with said comparator and being configured to only load said value; if said encrypted TSN and CIC components accord with said stored TSN and said presented CIC; and, a TSN updater for updating said stored TSN to a next sequential TSN.
2. A reload device according to claim 1 wherein:
said reload device has a security means associated with said reloader and said comparator, said security means disabling said storage medium upon detecting a predetermined number of unsuccessful OTN inputs against a particular CIC, causing an error message to be presented to a holder of said medium seeking to add value thereto.
said reload device has a security means associated with said reloader and said comparator, said security means disabling said storage medium upon detecting a predetermined number of unsuccessful OTN inputs against a particular CIC, causing an error message to be presented to a holder of said medium seeking to add value thereto.
3. A reload device according to claim 2 wherein:
said security means after said unsuccessful OTN inputs places a restriction on said card against further use for at least a predetermined time;
said medium reader may be configured to read any said restriction and notifies said comparator to disable said medium without requiring any further unsuccessful attempts.
said security means after said unsuccessful OTN inputs places a restriction on said card against further use for at least a predetermined time;
said medium reader may be configured to read any said restriction and notifies said comparator to disable said medium without requiring any further unsuccessful attempts.
4. An OTN generator for generating a One Time Number ("OTN") for subsequent offline use with any of a medium issuing organization's reload devices for loading a predetermined value onto a storage medium having a Card Identifier Code ("CIC") at lease one electronic purse having a unique purse address and a reconfigurable stored Transaction Sequence Number ("TSN"), said OTN
generator comprising:
a database means for storage and retrieval of information on account status, CIC's for issued cards and the current TSN associated with each said CIC;
a system processor communicating with said database;
access means associated with said processor for providing communication between a holder of said medium and said OTN generator input means associated with said access means for receiving said CIC, a desired amount and type of value to be processed, a purse address and a selected source of funds from said holder;
debit means associated with said system processor for debiting an account identified by said holder of said medium by an amount corresponding to said desired amount and type of value;
verification means associated with said system processor for determining whether said source of funds identified by said holder of said medium is in good standing;
an encrypter associated with said system processor for generating said OTN
according to an encryption algorithm based on at least said CIC, said TSN, said purse address and said desired amount and type of value;
said processor being configured to signal said encrypter to generate a valid OTN
and to communicate said valid OTN to said holder through said access means which said holder can input into any of said issuing organization's reload devices for decryption and loading of value onto said medium if said account is in good standing;
said processor being further configured to update said database to adjust said TSN
associated with said CIC to a next sequential TSN after a determination is made to generate a valid OTN.
generator comprising:
a database means for storage and retrieval of information on account status, CIC's for issued cards and the current TSN associated with each said CIC;
a system processor communicating with said database;
access means associated with said processor for providing communication between a holder of said medium and said OTN generator input means associated with said access means for receiving said CIC, a desired amount and type of value to be processed, a purse address and a selected source of funds from said holder;
debit means associated with said system processor for debiting an account identified by said holder of said medium by an amount corresponding to said desired amount and type of value;
verification means associated with said system processor for determining whether said source of funds identified by said holder of said medium is in good standing;
an encrypter associated with said system processor for generating said OTN
according to an encryption algorithm based on at least said CIC, said TSN, said purse address and said desired amount and type of value;
said processor being configured to signal said encrypter to generate a valid OTN
and to communicate said valid OTN to said holder through said access means which said holder can input into any of said issuing organization's reload devices for decryption and loading of value onto said medium if said account is in good standing;
said processor being further configured to update said database to adjust said TSN
associated with said CIC to a next sequential TSN after a determination is made to generate a valid OTN.
5. The OTN generator of claim 4 wherein:
said access means communicates over at least one of a computer and a telephone network; and said input means is respectively a telephone handset or a computer keyboard.
said access means communicates over at least one of a computer and a telephone network; and said input means is respectively a telephone handset or a computer keyboard.
6. The OTN generator of claim 5 wherein:
said processor is configured to inform said holder via said access means that value is being refused should said account not be in good standing.
said processor is configured to inform said holder via said access means that value is being refused should said account not be in good standing.
7. A method for a value supplier to transfer value to an electronic purse possessed by a holder without requiring direct electronic communication between said value supplier and said medium, said method comprising the steps of:
(i) providing a storage medium to said holder having a Card Identification Code ("CIC"), a machine readable and reconfigurable Transaction Sequence Number ("TSN") storage area and at least one said purse wherein each said purse is a machine readable reconfigurable storage means and has a unique purse address for identifying each said purse;
(ii) recording said TSN against said CIC in a reconfigurable data storage and retrieval system;
(iii) receiving a request from said holder including said CIC, a purse address, a desired value and payment instructions;
(iv) determining said TSN stored in said data storage and retrieval system against the CIC presented in step (iii);
(v) using an encryption algorithm to generate a unique One Time Number ("OTN") based on said CIC, said TSN said purse address and said desired value;
(vi) presenting said OTN to said user;
(vii) reconfiguring said TSN in said storage and retrieval system to vary said TSN by a predetermined increment;
(viii) providing a reload device having a reader for reading said TSN from said portable storage medium, CIC input means for receiving said CIC from said storage medium, OTN input means for receiving said OTN from said holder, a decrypter having a decryption algorithm corresponding to said encryption algorithm in step (v) for decrypting said OTN, a verifier for verifying that said CIC and TSN on said storage medium match said OTN input by said holder and a loader for loading value into said at least one purse corresponding to said desired value;
(ix) receiving said storage medium in said reloader;
(x) determining said CIC and TSN on said storage medium, said desired value, said purse address and said OTN;
(xi) decrypting said OTN using said decryption algorithm;
(xii) verifying whether said CIC and TSN components of said OTN conform to said TSN and said CIC on said storage medium;
(xiii) if said verifying in step (xii) determines conformance, loading said desired value into the purse identified by said purse address and incrementally adjusting said TSN on said storage medium by said predetermined increment in step (vii);
and, (xiv) if said verification in step (xii) fails to determine conformance, causing said reloader to display an error message.
(i) providing a storage medium to said holder having a Card Identification Code ("CIC"), a machine readable and reconfigurable Transaction Sequence Number ("TSN") storage area and at least one said purse wherein each said purse is a machine readable reconfigurable storage means and has a unique purse address for identifying each said purse;
(ii) recording said TSN against said CIC in a reconfigurable data storage and retrieval system;
(iii) receiving a request from said holder including said CIC, a purse address, a desired value and payment instructions;
(iv) determining said TSN stored in said data storage and retrieval system against the CIC presented in step (iii);
(v) using an encryption algorithm to generate a unique One Time Number ("OTN") based on said CIC, said TSN said purse address and said desired value;
(vi) presenting said OTN to said user;
(vii) reconfiguring said TSN in said storage and retrieval system to vary said TSN by a predetermined increment;
(viii) providing a reload device having a reader for reading said TSN from said portable storage medium, CIC input means for receiving said CIC from said storage medium, OTN input means for receiving said OTN from said holder, a decrypter having a decryption algorithm corresponding to said encryption algorithm in step (v) for decrypting said OTN, a verifier for verifying that said CIC and TSN on said storage medium match said OTN input by said holder and a loader for loading value into said at least one purse corresponding to said desired value;
(ix) receiving said storage medium in said reloader;
(x) determining said CIC and TSN on said storage medium, said desired value, said purse address and said OTN;
(xi) decrypting said OTN using said decryption algorithm;
(xii) verifying whether said CIC and TSN components of said OTN conform to said TSN and said CIC on said storage medium;
(xiii) if said verifying in step (xii) determines conformance, loading said desired value into the purse identified by said purse address and incrementally adjusting said TSN on said storage medium by said predetermined increment in step (vii);
and, (xiv) if said verification in step (xii) fails to determine conformance, causing said reloader to display an error message.
8. The method of claim 7 including the further steps of:
(xv) configuring said reload device to monitor a predetermined number of retries of steps (ix) through (xii) for a given of said storage medium and, should said retries all fail to yield a determination of said conformance to enter a "disabled" indicator on said storage medium; and, (xvi) further configuring said reload device to check for a said disabled indicator and if detected, to refuse to load said pursue and to display an error message to said holder upon receiving said storage medium.
(xv) configuring said reload device to monitor a predetermined number of retries of steps (ix) through (xii) for a given of said storage medium and, should said retries all fail to yield a determination of said conformance to enter a "disabled" indicator on said storage medium; and, (xvi) further configuring said reload device to check for a said disabled indicator and if detected, to refuse to load said pursue and to display an error message to said holder upon receiving said storage medium.
9. The method of claim 8 wherein:
said payment instructions received in step (iii) include payment issuer information;
said payment instructions are confirmed with said issuer prior to continuing;
should payment be refused by said payment issuer either refusing to continue and notifying said holder.
said payment instructions received in step (iii) include payment issuer information;
said payment instructions are confirmed with said issuer prior to continuing;
should payment be refused by said payment issuer either refusing to continue and notifying said holder.
Priority Applications (3)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CA2430456A CA2430456C (en) | 2003-05-30 | 2003-05-30 | Offline code based reloading system |
| US10/462,520 US7216105B2 (en) | 2003-05-30 | 2003-06-16 | Offline code based reloading system |
| US11/674,188 US7580899B2 (en) | 2003-05-30 | 2007-02-13 | Offline code based reloading system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CA2430456A CA2430456C (en) | 2003-05-30 | 2003-05-30 | Offline code based reloading system |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CA2430456A1 true CA2430456A1 (en) | 2004-11-30 |
| CA2430456C CA2430456C (en) | 2012-10-09 |
Family
ID=38024364
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CA2430456A Expired - Fee Related CA2430456C (en) | 2003-05-30 | 2003-05-30 | Offline code based reloading system |
Country Status (2)
| Country | Link |
|---|---|
| US (2) | US7216105B2 (en) |
| CA (1) | CA2430456C (en) |
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| US20060249569A1 (en) * | 2005-05-03 | 2006-11-09 | Capital One Financial Corporation | Monetary card with programmable customer identification code |
| US8874477B2 (en) | 2005-10-04 | 2014-10-28 | Steven Mark Hoffberg | Multifactorial optimization system and method |
| US8090654B2 (en) * | 2006-03-17 | 2012-01-03 | Mastercard International Incorporated | Techniques for transaction adjustment |
| US7818264B2 (en) | 2006-06-19 | 2010-10-19 | Visa U.S.A. Inc. | Track data encryption |
| WO2008041861A1 (en) * | 2006-10-06 | 2008-04-10 | Tyblon As | Method and system for replenishing electronic purses offline |
| US9098851B2 (en) * | 2008-02-14 | 2015-08-04 | Mastercard International Incorporated | Method and apparatus for simplifying the handling of complex payment transactions |
| JP2011518388A (en) * | 2008-04-21 | 2011-06-23 | マルホトラ，カマリニ | Apparatus, method and system for facilitating payment of money transactions |
| US8276814B1 (en) * | 2008-07-12 | 2012-10-02 | Davis Kim C | System and method for carrying out secure transactions |
| WO2010033476A1 (en) * | 2008-09-17 | 2010-03-25 | Mastercard International, Inc. | Off-line activation/loading of pre-authorized and cleared payment cards |
| US20110276420A1 (en) * | 2008-09-17 | 2011-11-10 | Robert White | Cash card system |
| US8341084B2 (en) * | 2009-06-08 | 2012-12-25 | Mastercard International Incorporated | Method, apparatus, and computer program product for topping up prepaid payment cards for offline use |
| US20100333073A1 (en) * | 2009-06-29 | 2010-12-30 | Honeywell International Inc. | Systems and methods for automated generation of software tests based on modeling the software test domain |
| US8998096B2 (en) | 2010-04-01 | 2015-04-07 | Coin, Inc. | Magnetic emissive use of preloaded payment card account numbers |
| CN103503009B (en) * | 2011-04-28 | 2016-04-13 | 乐天株式会社 | Billing module, accounting method |
| EP2704075A4 (en) * | 2011-04-28 | 2014-12-10 | Rakuten Inc | Payment module, payment method, program, information-recording medium, payment device, and method for controlling payment device |
| US20130159178A1 (en) * | 2011-12-14 | 2013-06-20 | Firethorn Mobile, Inc. | System and Method For Loading A Virtual Token Managed By A Mobile Wallet System |
| CN103473850B (en) * | 2012-06-06 | 2016-09-28 | 中国银联股份有限公司 | A kind of off line circle deposit method and system |
| US10977625B2 (en) * | 2012-08-31 | 2021-04-13 | Rakuten, Inc. | Mobile terminal, method for controlling mobile terminal, program product, and recording medium |
| KR101354388B1 (en) * | 2012-12-12 | 2014-01-23 | 신한카드 주식회사 | Generating method for one time code |
| US20140244487A1 (en) * | 2013-02-28 | 2014-08-28 | Maxwell Seligmann | Fund Transfer Using Near Field Communication |
| US9197612B2 (en) | 2013-08-08 | 2015-11-24 | Symbol Technologies, Llc | Apparatus and method for deploying encrypted mobile off-line web applications |
| CN106897886A (en) * | 2017-02-13 | 2017-06-27 | 深圳市建之友贸易发展有限公司 | Publication management method and system |
| CN109919607A (en) * | 2018-11-23 | 2019-06-21 | 阿里巴巴集团控股有限公司 | Transfer benefit method and device and electronic equipment based on offline code by bus |
| US11803903B1 (en) * | 2021-12-01 | 2023-10-31 | Jpmorgan Chase Bank, N.A. | Method and system for providing enriched information re market trades and transactions |
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-
2003
- 2003-05-30 CA CA2430456A patent/CA2430456C/en not_active Expired - Fee Related
- 2003-06-16 US US10/462,520 patent/US7216105B2/en not_active Expired - Fee Related
-
2007
- 2007-02-13 US US11/674,188 patent/US7580899B2/en not_active Expired - Fee Related
Also Published As
| Publication number | Publication date |
|---|---|
| US7216105B2 (en) | 2007-05-08 |
| US20070130087A1 (en) | 2007-06-07 |
| US7580899B2 (en) | 2009-08-25 |
| CA2430456C (en) | 2012-10-09 |
| US20040254892A1 (en) | 2004-12-16 |
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