无现金支付相关的专利数据

序号	专利名	申请号	申请日	公开（公告）号	公开（公告）日	发明人
1	执行安全无现金支付交易的方法和无现金支付系统	CN02811000.5	2002-05-29	CN1303567C	2007-03-07	拉尔夫·豪泽
用于执行无现金支付交易的方法，包括：a)提供者(PPPP)接收用于购买者(B)要进行的支付的预授权消息(2’)，该预授权消息通过例如个人识别号码来验证；b)该提供者(PPPP)产生支付当前标志来响应这个预授权消息；c)该提供者(PPPP)将这个支付当前标志(3’)转发给购买者(B)，并且在被售货者(S’)接口问询或者计入时，该提供者(PPPP)认可该支付，该方法还包括：上述步骤由私人预授权和支付提供者(PPPP)执行，该提供者(PPPP)接受由独立于售货者接口的购买者个人信托设备(PTD)所发送的预授权消息以及该提供者(PPPP)以可由售货者接口读出的形式来产生该支付当前标志。本方法使用个人信托设备(PTD)来获得一个当前标志，它保护了隐私并且阻止欺诈，同时还足够灵活而能被用于不同交易中，即使是离线交易，并且也不要求购买者下载、特定硬件、证明或者预先注册。
2	执行安全无现金支付交易的方法和无现金支付系统	CN02811000.5	2002-05-29	CN1599921A	2005-03-23	拉尔夫·豪泽
用于执行无现金支付交易的方法，包括：a)提供者(PPPP)接收用于购买者(B)要进行的支付的预授权消息(2’)，该预授权消息通过例如个人识别号码来验证；b)该提供者(PPPP)产生支付当前标志来响应这个预授权消息；c)该提供者(PPPP)将这个支付当前标志(3’)转发给购买者(B)，并且在被售货者(S’)接口问询或者计入时，该提供者(PPPP)认可该支付，该方法还包括：上述步骤由私人预授权和支付提供者(PPPP)执行，该提供者(PPPP)接受由独立于售货者接口的购买者个人信托设备(PTD)所发送的预授权消息以及该提供者(PPPP)以可由售货者接口读出的形式来产生该支付当前标志。本方法使用个人信托设备(PTD)来获得一个当前标志，它保护了隐私并且阻止欺诈，同时还足够灵活而能被用于不同交易中，即使是离线交易，并且也不要求购买者下载、特定硬件、证明或者预先注册。
3	支持无现金支付的方法	CN200410088588.7	2004-11-05	CN100511290C	2009-07-08	斯特凡·鲁普; 格尔德·约阿希姆·温特尔莱; 马蒂亚斯·杜斯皮瓦
本发明涉及一个用于支持无现金付款的方法以及无现金付款系统的一个付款互通服务器(6)，一个移动终端(3)和一个计算机程序产品。一个存储在移动终端(3)的用户认证模块中的移动用户标识被发送到一个付款互通单元(6)。付款互通单元(6)将该移动用户标识发送到一个移动通信系统的认证服务器上，该认证服务器回应一个认证号码和一个签字应答。认证号码被发送到移动终端，移动终端计算该签字应答并将其发送到付款互通服务器(6)。这个服务器比较从认证服务器(11)和移动终端(3)接收到的签字应答，并且，如果接收到的签字结果是正确的，将一条确认消息发送到一个POS单元(51)或一个记帐系统(7)。
4	支持无现金支付的方法	CN200410088588.7	2004-11-05	CN1614641A	2005-05-11	斯特凡·鲁普; 格尔德·约阿希姆·温特尔莱; 马蒂亚斯·杜斯皮瓦
本发明涉及一个用于支持无现金付款的方法以及无现金付款系统的一个付款互通服务器(6)，一个移动终端(3)和一个计算机程序产品。一个存储在移动终端(3)的用户认证模块中的移动用户标识被发送到一个付款互通单元(6)。付款互通单元(6)将该移动用户标识发送到一个移动通信系统的认证服务器上，该认证服务器回应一个认证号码和一个签字应答。认证号码被发送到移动终端，移动终端计算该签字应答并将其发送到付款互通服务器(6)。这个服务器比较从认证服务器(11)和移动终端(3)接收到的签字应答，并且，如果接收到的签字结果是正确的，将一条确认消息发送到一个POS单元(51)或一个记帐系统(7)。
5	一种基于NFC的无现金移动支付系统	CN202111068849.9	2021-09-13	CN113781040A	2021-12-10	蔡锦聪
本发明涉及智能物联系统技术领域，具体为一种基于NFC的无现金移动支付系统，包括商家端、学生端、家长端和平台，商家端、家长端和平台通过互联网进行连接且商家端、学生端、家长端和平台构成SAAS系统，本发明基于搭载NFC技术的学生端来实现学生无现金支付，平台、商家和学生能够形成完整地商业逻辑，且过程中家长通过家长端能够对学生的消费行为进行实时监管，并通过消费设置对学生的消费行为进行管控，确保学生竖立良好的金钱观、消费观，具有实用意义和推广价值，预期能够产生良好的经济效益。
6	用于从机动车触发无现金支付过程的方法	CN201680053495.1	2016-11-15	CN108027924A	2018-05-11	R·霍尔米希
本发明涉及一种用于从机动车(2)触发无现金支付过程的方法，其中在车辆外部的、静止的设备(3)中：通过光学检测装置(5)产生布置在机动车(2)上的展示装置(13)的图像数据(15)；通过识别装置(6)在图像数据(15)中识别展示装置(13)，借助于所识别的展示装置(13)确定机动车(2)的车辆识别代码(16)；通过调取装置(7)根据所确定的车辆识别代码(16)确定来自数据存储器(19)用户的用户数据(20)，其中该用户数据(20)包含用于无现金支付的银行账户细节数据(21)；通过控制装置(8)执行基于银行账户细节数据(21)的无现金支付过程。
7	进行无现金支付的方法和实现该方法的系统	CN00803346.3	2000-02-01	CN1339146A	2002-03-06	马蒂亚斯·恩滕曼
本发明的目的是提供一种简单且安全的无现金支付方法,特别是能够在不同的位置支付,以及一种实现该方法的系统。在本发明的方法中,由销售商基站读入货币金额,并将该信息与销售商基站的识别码传输到比较装置,同时在比较装置中存储这些数据。付款人通过移动蜂窝电话向比较装置发送销售商基站的识别码,比较装置把该识别码与所存储的数据的识别码进行比较,并把相应的货币金额传输到蜂窝电话。请求支付确认,并把确认结果传输到比较装置,比较装置把相应的金额记录传输到帐目保存装置。实现本方法的系统包括:在蜂窝电话网络上操作的蜂窝电话、销售商基站以及比较装置,比较装置可通过电子通信和/或数据链接与该蜂窝电话和销售商基站连接。
8	无现金麻将机、支付宝麻将机、微信麻将机	CN201710528991.4	2017-07-01	CN107344015A	2017-11-14	曾欧
阿里巴巴的五年中国进入无现金社会，为了迎合着一趋势，各行业各设备都将进行一步的更新换代，这是一款不使用现金的麻将机，使用手机扫描二维码、或机器扫描手机上的二维码进行充值，通过桌面上的按钮进行每局的盈亏，及退款操作；通过手机扫描二维码，进入相应的房间，进行交易，不用担心没有零钱，使用方便、简单。
9	Method for supporting cashless payment	US10959374	2004-10-07	US20050101295A1	2005-05-12	Stephan Rupp; Gerd-Joachim Wintterle; Matthias Duspiva
The invention concerns a method for supporting cashless payment as well as a payment interworking server, a mobile terminal and a computer program product for a cashless payment system. A mobile subscriber identity stored in the subscriber identification module of the mobile terminal is sent to a payment interworking unit. The payment interworking unit transmits the mobile subscriber identity to an authentication server of a mobile communication system which replies an authentication number and a signed response. The authentication number is sent to the mobile terminal which calculates a signed response and transmits the signed response to the payment interworking server. This server compares the singed responses received from the authentication server and from the mobile terminal and sends a confirmation message to a POS unit or a billing system, if the received signed result is correct.
10	Method for supporting cashless payment	US10959374	2004-10-07	US07069001B2	2006-06-27	Stephan Rupp; Gerd-Joachim Wintterle; Matthias Duspiva
The invention concerns a method for supporting cashless payment as well as a payment interworking server, a mobile terminal and a computer program product for a cashless payment system. A mobile subscriber identity stored in the subscriber identification module of the mobile terminal is sent to a payment interworking unit. The payment interworking unit transmits the mobile subscriber identity to an authentication server of a mobile communication system which replies an authentication number and a signed response. The authentication number is sent to the mobile terminal which calculates a signed response and transmits the signed response to the payment interworking server. This server compares the singed responses received from the authentication server and from the mobile terminal and sends a confirmation message to a POS unit or a billing system, if the received signed result is correct.
11	Payment system for cashless payment transactions	US10609436	2003-07-01	US20040083168A1	2004-04-29	Rainer Kuth; Michael Pierer Von Esch
A payment system for cashless payment transactions in trade, in which the customer uses his mobile phone or pager to prompt payment of the purchase sum from the creditor to the vendor, where the creditor transmits to the customer's mobile phone a TAN which can be transmitted by a mobile phone interface to a payment console belonging to the vendor, from where the TAN is transmitted, preferably via a fixed line, to the creditor, who, possibly following a check, immediately posts the payment sum for the vendor and informs the parties involved as appropriate.
12	Method for performing a secure cash-free payment transaction and a cash-free payment system	US10478100	2003-11-19	US20040148254A1	2004-07-29	Ralf Hauser
A method for performing a cash-free payment transaction that comprises: a) a provider (PPPP) receives a pre-authorization message (2null) for a payment to be made by a buyer (B), the pre-authorization message being authenticated for example by a personal identification number; b) the provider (PPPP) generates a payment nonce in response to this pre-authorization message; c) the provider (PPPP) forwards this payment nonce (3null) to the buyer (B) and the provider (PPPP) approves the payment when asked or when being debited by a seller (Snull) interface. The method further comprises that the above mentioned steps are performed by a private pre-authorization and payment provider (PPPP) and that the provider (PPPP) accepts a pre-authorization message being sent by a buyer's personal trusted device (PTD) being independent of the seller's interface and that the provider (PPPP) generates the payment nonce in a form which can be read by the seller's interface. This method using a personal trusted device (PTD) to obtain a nonce that protects privacy and prevents fraud being at the same time flexible enough to be used in different kinds of transactions, even in off-line transactions and not requiring downloads, special hardware, certificates, or pre-registration by the buyer.
13	Cashless transaction payment module	US10100680	2002-03-18	US07865430B1	2011-01-04	H. Brock Kolls
The present invention relates to a cashless transaction payment module system that is scalable and configurable to include interfaces for vending equipment monitoring and control capabilities, interfaces for a card reader device and other identification devices as payment for items vended, an interactive interface and protocol for interconnecting the system to a computing platform, and support for a plurality of communication options that include wired, point-to-point wireless, and wireless networking including LAN/WAN/WCDMA/CDMA/CDPD/2G/2.50/3G solutions. In an exemplary embodiment the system can be embodied in a semiconductor package or module package.In addition, the present invention relates to effectuating a system for accepting, authorizing, facilitating a vending transaction, settling transactions to effect payment for goods and services, gathering DEX and MDB audit data from the vending equipment, communicating digital content between system and server, and data communicating with a plurality of remote locations.
14	傳統市場無現金行動支付整合系統	TW104210943	2015-07-07	TWM527995U	2016-09-01	鄭偉利; CHENG, WEI LI; 呂學昱; LU, HSUEH YU; 呂明瑾; LU, MING CHIN; 鄭淳元; CHENG, CHUN YUAN; 鄭淳珈; CHENG, CHUN CHIA

15	Taylor corp.pre-paid cash cards unlimited	US09973626	2002-01-10	US20040267622A1	2004-12-30	John David Taylor; Steve Kimbell Taylor
A Taylor pre-paid cash card, is a card spent as cash at any market that has a scan system to except it. A safeway to carry large amounts of cash in a card. The value of the card is worth what you pay for it, less a small user fee. As the card is spent, a receipt is given for amount spent, and a remaining balance. Use it up, throw away the card and buy another. A cash card used by the means of electronic transfer. A plastic card carried in your wallet. The card has a pin null and printed numbers with magnet stripes to identify card value. Assorted colors for priced cards with a bar code on the front. Cash Cards have company information and a secondary bar code on the back. A all public cash card, bought and sold to the public, by public markets.
16	A METHOD FOR PERFORMING A SECURE CASH-FREE PAYMENT TRANSACTION AND A CASH-FREE PAYMENT SYSTEM	PCT/CH2002/000280	2002-05-29	WO2002097684A2	2002-12-05	HAUSER, Ralf
A method for performing a cash-free payment transaction that comprises: a) a provider (PPPP) receives a pre-authorization message (2') for a payment to be made by a buyer (B), the pre-authorization message being authenticated for example by a personal identification number; b) the provider (PPPP) generates a payment nonce in response to this pre-authorization message; c) the provider (PPPP) forwards this payment nonce (3') to the buyer (B) and the provider (PPPP) approves the payment when asked or when being debited by a seller (S') interface. The method further comprises that the above mentioned steps are performed by a private pre-authorization and payment provider (PPPP) and that the provider (PPPP) accepts a pre-authorization message being sent by a buyer's personal trusted device (PTD) being independent of the seller's interface and that the provider (PPPP) generates the payment nonce in a form which can be read by the seller's interface. This method using a personal trusted device (PTD) to obtain a nonce that protects privacy and prevents fraud being at the same time flexible enough to be used in different kinds of transactions, even in off-line transactions and not requiring downloads, special hardware, certificates, or pre-registration by the buyer.
17	A METHOD FOR PERFORMING A SECURE CASH-FREE PAYMENT TRANSACTION AND A CASH-FREE PAYMENT SYSTEM	PCT/CH0200280	2002-05-29	WO02097684A3	2003-06-05	HAUSER RALF
A method for performing a cash-free payment transaction that comprises: a) a provider (PPPP) receives a pre-authorization message (2') for a payment to be made by a buyer (B), the pre-authorization message being authenticated for example by a personal identification number; b) the provider (PPPP) generates a payment nonce in response to this pre-authorization message; c) the provider (PPPP) forwards this payment nonce (3') to the buyer (B) and the provider (PPPP) approves the payment when asked or when being debited by a seller (S') interface. The method further comprises that the above mentioned steps are performed by a private pre-authorization and payment provider (PPPP) and that the provider (PPPP) accepts a pre-authorization message being sent by a buyer's personal trusted device (PTD) being independent of the seller's interface and that the provider (PPPP) generates the payment nonce in a form which can be read by the seller's interface. This method using a personal trusted device (PTD) to obtain a nonce that protects privacy and prevents fraud being at the same time flexible enough to be used in different kinds of transactions, even in off-line transactions and not requiring downloads, special hardware, certificates, or pre-registration by the buyer.
18	Cashless payment by means of a mobile radio apparatus	US09254723	1999-03-11	US06808110B1	2004-10-26	Christian-Friedrich Von Brockdorff
The method is for cashless payment, in which a call (V) is set up via the mobile radio network (MS) from the terminal (MF) with multifunctional chipcard (CK) to a business terminal (GE). A credit rating check is performed with a card number (KN) stored in the chipcard (CK). An amount of money entered at the business terminal (GE) is released for payment in the event of a positive result of the credit rating check after a confirmation at the terminal (MF).
19	Vending machine cashless payment terminal	US29167954	2002-09-24	USD477030S1	2003-07-08	H. Brock Kolls; Stephen Luce; Barry J. Patrizzi

20	Method for Processing a Cashless Payment Transaction	US10575964	2004-10-12	US20070226151A1	2007-09-27	Michael Baldischweiler; Klaus Finkenzeller
Proposed is a method for processing a cashless payment transaction between an owner of a personal electronic means of payment (1, 12) and a payee. The special feature of the inventive method is that at a first time (t1) a data record is transmitted from the owner's personal electronic means of payment (1, 12), directly or by means of a personal device (8) of the owner, to an electronic intermediate carrier (2) which is formed as a physically separate unit with regard to the owner's personal electronic means of payment (1, 12), and at a second time (t2) which is later than the first time (t1) the data record or data derived therefrom are transmitted from the electronic intermediate carrier (2) to the payee.

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