EP2807600A4 - PORTABLE ELECTRONIC PORTFOLIO AND UNIVERSAL CARD - Google Patents
PORTABLE ELECTRONIC PORTFOLIO AND UNIVERSAL CARDInfo
- Publication number
- EP2807600A4 EP2807600A4 EP13740930.6A EP13740930A EP2807600A4 EP 2807600 A4 EP2807600 A4 EP 2807600A4 EP 13740930 A EP13740930 A EP 13740930A EP 2807600 A4 EP2807600 A4 EP 2807600A4
- Authority
- EP
- European Patent Office
- Prior art keywords
- portable electronic
- universal card
- electronic portfolio
- portfolio
- universal
- 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.)
- Ceased
Links
Classifications
-
- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
- G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
- G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
- G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
- G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
- G06K19/077—Constructional details, e.g. mounting of circuits in the carrier
- G06K19/07716—Constructional details, e.g. mounting of circuits in the carrier the record carrier comprising means for customization, e.g. being arranged for personalization in batch
-
- 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
- G06Q20/08—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 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
- G06Q20/346—Cards serving only as information carrier of service
-
- 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
- G06Q20/355—Personalisation of cards for use
- G06Q20/3552—Downloading or loading of personalisation data
-
- 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
- G06Q20/36—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
-
- 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
- H04L9/3271—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 challenge-response
-
- 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
- H04L2209/805—Lightweight hardware, e.g. radio-frequency identification [RFID] or sensor
Landscapes
- Engineering & Computer Science (AREA)
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- General Physics & Mathematics (AREA)
- Computer Networks & Wireless Communication (AREA)
- General Business, Economics & Management (AREA)
- Strategic Management (AREA)
- Finance (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Computer Security & Cryptography (AREA)
- Signal Processing (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Computer Hardware Design (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Applications Claiming Priority (6)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| US13/359,352 US9195926B2 (en) | 2010-03-02 | 2012-01-26 | Portable e-wallet and universal card |
| US13/438,131 US8671055B2 (en) | 2010-03-02 | 2012-04-03 | Portable E-wallet and universal card |
| US13/630,248 US9218557B2 (en) | 2010-03-02 | 2012-09-28 | Portable e-wallet and universal card |
| US13/644,714 US9129199B2 (en) | 2010-03-02 | 2012-10-04 | Portable E-wallet and universal card |
| US13/717,363 US9177241B2 (en) | 2010-03-02 | 2012-12-17 | Portable e-wallet and universal card |
| PCT/US2013/023149 WO2013112839A1 (en) | 2012-01-26 | 2013-01-25 | Portable e-wallet and universal card |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| EP2807600A1 EP2807600A1 (en) | 2014-12-03 |
| EP2807600A4 true EP2807600A4 (en) | 2015-12-09 |
Family
ID=48873947
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| EP13740930.6A Ceased EP2807600A4 (en) | 2012-01-26 | 2013-01-25 | PORTABLE ELECTRONIC PORTFOLIO AND UNIVERSAL CARD |
Country Status (2)
| Country | Link |
|---|---|
| EP (1) | EP2807600A4 (en) |
| WO (1) | WO2013112839A1 (en) |
Families Citing this family (23)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US10248949B2 (en) * | 2012-05-29 | 2019-04-02 | CardLab ApS. | Method for encrypting transactions at a dynamic transaction card |
| US20150339662A1 (en) * | 2014-05-23 | 2015-11-26 | LoopPay Inc. | Systems and methods for linking devices to user accounts |
| EP3172724A1 (en) * | 2014-07-22 | 2017-05-31 | MT Bilgi Teknolojileri Ve Dis Ticaret A.S. | Biometric secure sales and payment terminal using face recognition and finger print definition methods |
| US20170337545A1 (en) * | 2014-11-07 | 2017-11-23 | Tendyron Corporation | Data interaction method and system |
| US10334431B2 (en) * | 2014-12-23 | 2019-06-25 | Intel Corporation | Near field communications (NFC)-based offload of NFC operation |
| WO2017127871A1 (en) | 2016-01-29 | 2017-08-03 | Xard Group Pty Ltd | Biometric reader in card |
| US20190043039A1 (en) * | 2016-01-29 | 2019-02-07 | Xard Group Pty Ltd. | Transaction recording |
| EP3408815A4 (en) * | 2016-01-29 | 2019-03-13 | Xard Group Pty Ltd | VALIDATION OF TRANSACTIONS |
| EP3408816A4 (en) * | 2016-01-29 | 2019-03-13 | Xard Group Pty Ltd | APPARATUS AND METHOD FOR TRANSACTIONAL INFRASTRUCTURE EMULATION USING DIGITAL TRANSACTION PROCESSING UNIT (DTPU) |
| US11972433B2 (en) | 2016-04-13 | 2024-04-30 | Mastercard International Incorporated | System and method for provisioning payment token to payment accessory device |
| US11823161B2 (en) | 2016-04-13 | 2023-11-21 | Mastercard International Incorporated | System and method for peer-to-peer assistance in provisioning payment tokens to mobile devices |
| EP3482366B1 (en) * | 2016-07-11 | 2023-10-25 | Cardlab ApS | Method for encrypting transactions at a dynamic transaction card |
| WO2019022846A1 (en) * | 2017-07-25 | 2019-01-31 | Mastercard International Incorporated | System and method for provisioning payment token to payment accessory device |
| US11049822B1 (en) | 2019-12-20 | 2021-06-29 | Capital One Services, Llc | Systems and methods for the use of fraud prevention fluid to prevent chip fraud |
| US10977539B1 (en) | 2019-12-20 | 2021-04-13 | Capital One Services, Llc | Systems and methods for use of capacitive member to prevent chip fraud |
| US10888940B1 (en) | 2019-12-20 | 2021-01-12 | Capital One Services, Llc | Systems and methods for saw tooth milling to prevent chip fraud |
| US10810475B1 (en) | 2019-12-20 | 2020-10-20 | Capital One Services, Llc | Systems and methods for overmolding a card to prevent chip fraud |
| US10817768B1 (en) | 2019-12-20 | 2020-10-27 | Capital One Services, Llc | Systems and methods for preventing chip fraud by inserts in chip pocket |
| US11715103B2 (en) | 2020-08-12 | 2023-08-01 | Capital One Services, Llc | Systems and methods for chip-based identity verification and transaction authentication |
| US11704399B2 (en) | 2020-11-17 | 2023-07-18 | Capital One Services, Llc | Medium for temporary account access |
| CN113965228B (en) * | 2021-10-08 | 2022-08-12 | 深圳市汇顶科技股份有限公司 | Method for expanding NFC card simulation function, NFC expansion device and NFC terminal |
| CN115022886B (en) * | 2022-05-26 | 2025-09-23 | Oppo广东移动通信有限公司 | NFC card reading and writing method, mobile terminal and computer storage medium |
| US12438873B2 (en) | 2023-08-10 | 2025-10-07 | Bank Of America Corporation | System and method for authentication of device transfers in a distributed network |
Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20030132298A1 (en) * | 1996-09-05 | 2003-07-17 | Jerome Swartz | Consumer interactive shopping system |
| US20060163353A1 (en) * | 2005-01-24 | 2006-07-27 | Vivotech, Inc. | External adaptor for magnetic stripe card reader |
| US20100057580A1 (en) * | 2008-08-28 | 2010-03-04 | Radha Raghunathan | Unified payment card |
| US20110219026A1 (en) * | 2008-11-04 | 2011-09-08 | Bo Schonemann | Method and system for distributing information relating to a piece of music and/or a movie/video |
| US20110218911A1 (en) * | 2010-03-02 | 2011-09-08 | Douglas Spodak | Portable e-wallet and universal card |
Family Cites Families (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US7747523B2 (en) * | 1998-03-30 | 2010-06-29 | Cohen Morris E | Internet-based financial vehicles |
| EP1216460A1 (en) * | 1999-09-28 | 2002-06-26 | Chameleon Network Inc. | Portable electronic authorization system and associated method |
| US20060190412A1 (en) * | 2000-02-11 | 2006-08-24 | Maurice Ostroff | Method and system for preventing fraudulent use of credit cards and credit card information, and for preventing unauthorized access to restricted physical and virtual sites |
| DE102006027200A1 (en) * | 2006-06-12 | 2007-12-27 | Giesecke & Devrient Gmbh | Data carrier and method for contactless communication between the data carrier and a reading device |
| FR2922701B1 (en) * | 2007-10-23 | 2009-11-20 | Inside Contacless | SECURE CUSTOMIZATION METHOD OF AN NFC CHIPSET |
-
2013
- 2013-01-25 EP EP13740930.6A patent/EP2807600A4/en not_active Ceased
- 2013-01-25 WO PCT/US2013/023149 patent/WO2013112839A1/en not_active Ceased
Patent Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20030132298A1 (en) * | 1996-09-05 | 2003-07-17 | Jerome Swartz | Consumer interactive shopping system |
| US20060163353A1 (en) * | 2005-01-24 | 2006-07-27 | Vivotech, Inc. | External adaptor for magnetic stripe card reader |
| US20100057580A1 (en) * | 2008-08-28 | 2010-03-04 | Radha Raghunathan | Unified payment card |
| US20110219026A1 (en) * | 2008-11-04 | 2011-09-08 | Bo Schonemann | Method and system for distributing information relating to a piece of music and/or a movie/video |
| US20110218911A1 (en) * | 2010-03-02 | 2011-09-08 | Douglas Spodak | Portable e-wallet and universal card |
Non-Patent Citations (1)
| Title |
|---|
| See also references of WO2013112839A1 * |
Also Published As
| Publication number | Publication date |
|---|---|
| WO2013112839A1 (en) | 2013-08-01 |
| EP2807600A1 (en) | 2014-12-03 |
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Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| 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 |
|
| 17P | Request for examination filed |
Effective date: 20140826 |
|
| 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 |
|
| RAP1 | Party data changed (applicant data changed or rights of an application transferred) |
Owner name: GONOW TECHNOLOGIES,LLC |
|
| DAX | Request for extension of the european patent (deleted) | ||
| RA4 | Supplementary search report drawn up and despatched (corrected) |
Effective date: 20151109 |
|
| RIC1 | Information provided on ipc code assigned before grant |
Ipc: G06K 1/18 20060101AFI20151103BHEP Ipc: G06Q 20/34 20120101ALI20151103BHEP Ipc: G06Q 20/10 20120101ALI20151103BHEP Ipc: G06K 19/077 20060101ALI20151103BHEP |
|
| 17Q | First examination report despatched |
Effective date: 20151124 |
|
| RIC1 | Information provided on ipc code assigned before grant |
Ipc: G06Q 20/10 20120101ALI20160114BHEP Ipc: G06K 19/077 20060101ALI20160114BHEP Ipc: G06Q 20/34 20120101ALI20160114BHEP Ipc: G06K 1/18 20060101AFI20160114BHEP |
|
| 17Q | First examination report despatched |
Effective date: 20161110 |
|
| REG | Reference to a national code |
Ref country code: DE Ref legal event code: R003 |
|
| 18R | Application refused |
Effective date: 20171203 |