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WO2015079287A1 - Instantaneous device-device electronic payment system - Google Patents

Instantaneous device-device electronic payment system Download PDF

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Publication number
WO2015079287A1
WO2015079287A1 PCT/IB2013/060442 IB2013060442W WO2015079287A1 WO 2015079287 A1 WO2015079287 A1 WO 2015079287A1 IB 2013060442 W IB2013060442 W IB 2013060442W WO 2015079287 A1 WO2015079287 A1 WO 2015079287A1
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WO
WIPO (PCT)
Prior art keywords
display
mid
transfer
payment system
powered
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
Application number
PCT/IB2013/060442
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French (fr)
Portuguese (pt)
Inventor
João Gaspar MAINSEL
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Individual
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Individual
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Priority to PCT/IB2013/060442 priority Critical patent/WO2015079287A1/en
Publication of WO2015079287A1 publication Critical patent/WO2015079287A1/en
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

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Classifications

    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
    • H04W4/60—Subscription-based services using application servers or record carriers, e.g. SIM application toolkits
    • 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
    • G06Q20/22—Payment schemes or models
    • G06Q20/223—Payment schemes or models based on the use of peer-to-peer networks
    • 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
    • G06Q20/32—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
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor

Definitions

  • payments are based on a variety of widely used media. among them: Credit / debit card, credit, wire transfer available, bank transfer, travelers money / card / check, paypal and bank transfer.
  • the credit / debit card is the best known and most probably the most widely used form of electronic payment. It's about using of cards, usually made of plastic, which by their presentation, lightness and portability spread and gained wide popularity.
  • the cards of credit / debit cards are made according to advanced technologies, which guarantee the safety and convenience of users. They can be used both in electronic terminals, installed in commercial establishments, ATMs or even via the Internet by entering the corresponding number and the code of safety,
  • the Credit Order Document is a transfer electronics between banks. In order for it to be carried out it is necessary to filling out a form, something that requires the interested person to move to an agency to fill out a form as they are beneficiary data taking at least one business day for the order is compensated.
  • Wire Transfer Available is a payment done electronically where there are minimal amounts for this to be can be done via the Internet.
  • the value can be offset in minutes and is available the same day to the beneficiary. meantime is subject to a minimum value proposed by the bank,
  • the bank slip can be used in almost all online shopping and has the advantage that it can be printed and used for make some payments at bank branches and affiliated establishments being considered a secure form of payment and well known today. However it depends on the internet usage of the specific site usage which can be both from the point of view of portability and the use of those who do not easily dominate the web.
  • PayPal is a form of payment. well known to anyone who uses the internet. PayPal is a company that enables the transfer of money between people and institutions. One can use it for purchases, domain registration, hosting payment, and many other purposes. To use it you must create a PayPal account and deposit / receive the amount you wish. This form of payment has limits when using those who do not master web tools.
  • Simple bank transfer is a way of electronic payment via Internet Banking. It is a service that requires the password other than that used at ATMs, ie complement of online transaction passwords. Movements can be made on bank branches, via the Internet, by telephone and in some cases even by SMS text messaging. This form of payment also has limits when use of those who do not master web tools.
  • Figure 1 illustrates a general perspective view. the equipment that makes up the whole system
  • Figure 2 illustrates a general perspective view. payment / receipt operations for the purpose of distinguishing others by 'YOU device';
  • Figure 3 illustrates an enlarged detail where portrayed all the elements responsible for printing invoices, called for the purposes of distinguishing them by 'MID device';
  • the automatic device-to-device electronic payment also based on usage which does not employ the use of traditional devices used in usual transactional operations (computers, ATMs, and TPAs), with only this necessary to transfer resources automatically, directly and immediately from one account to the other.

Landscapes

  • Engineering & Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Business, Economics & Management (AREA)
  • Signal Processing (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

Instantaneous device-device electronic payment system, which is indicated by the reference signs "YOU" and "MID" is used to enable a user to make and receive payments to and from another user quickly, efficiently and securely, as well as enabling the receipt for the transaction to be printed if required. The automatic device-device electronic payment takes place using the database of the banks (3) linked to servers (4) that process the transactions over the Internet (2) between the transfer devices (1). The transfer device (1) has a keypad (6), a display (5), a lateral aperture (7) designed to receive the data chip (12) and connect it to the board (11) for carrying out the transactions, powered by batteries (12) with an input for charging and USB (8) or recharging using solar panels (9). To print receipts, the transfer device (1) pairs via Bluetooth, "MID" which includes a display (13) which has a print button (14), an output for the receipt (15), a receipt memory display (16), a roll (21) that is installed using a port (19) on the side of the data board (20) seated next to a GPRS chip (22) used to geographically locate the device, which enables support for urban redevelopment or registration. There are also two power pins (18) that receive a charge from the socket, enabling it to be powered by a solar panel (17) as well.

Description

O presente relatório descritivo trata de um pedido de patente de invenção que propõe um sistema especialmente desenvolvido para realizar pagamentos eletrônicos instantâneos dispositivo a dispositivo, e que também pode ser usado para realizar o cadastramento de zonas de urbanização precária  This descriptive report deals with a request for patent proposing a system specially developed for make instant device-to-device electronic payments, and that can also be used to register urbanization zones precarious

기술분야기술 분야

Como é do conhecimento geral, os pagamentos, especialmente eletrônicos, estão baseadas em diversos meios amplamente utilizados entre eles: O cartão de crédito/débito, documento de ordem de crédito, transferência eletrônica disponível, boleto bancário, travelers money/card/check, paypal e transferência bancária.  As is well known, payments, especially electronic, are based on a variety of widely used media. among them: Credit / debit card, credit, wire transfer available, bank transfer, travelers money / card / check, paypal and bank transfer.

배경기술배경 기술

O cartão de crédito/ débito é a mais conhecida e provavelmente a mais utilizada forma de pagamento eletrónico. Trata-se do uso de cartões, normalmente feitos de plástico, que pela sua apresentação, leveza e portabilidade se espalharam e ganharam uma grande popularidade. Os cartões de crédito/débito são feitos de acordo com avançadas tecnologias, que garantem a segurança e a comodidade dos usuários. Eles podem ser usados tanto nos terminais eletrônicos, instalados em estabelecimentos comerciais, ATMs ou ainda via internet, introduzindo para o efeito o número correspondente e o código de segurança, The credit / debit card is the best known and most probably the most widely used form of electronic payment. It's about using of cards, usually made of plastic, which by their presentation, lightness and portability spread and gained wide popularity. The cards of credit / debit cards are made according to advanced technologies, which guarantee the safety and convenience of users. They can be used both in electronic terminals, installed in commercial establishments, ATMs or even via the Internet by entering the corresponding number and the code of safety,

Apesar de que eles dão mais segurança a quem aceita os pagamentos, pois caso o banco não aprove a compra, a negação da transação sai na hora e o comerciante não perde dinheiro, ele não realiza o crédito automaticamente para a conta do comerciante e também não podem ser usados onde não exista um terminal electrónico ou computador disponivel. Mais ainda, só pode ser usado com apoio de um outro dispositivo, sem o qual nenhum movimento pode ser feito. Although they give more security to those who accept payments, because if the bank does not approve the purchase, the denial of the transaction leaves on time and the merchant does not lose money, he does not perform the credit automatically to the merchant account and also cannot be used where There is no electronic terminal or computer available. More so, just can be used with the support of another device, without which no movement can be done.

O Documento de Ordem de Crédito é uma transferência eletrônica entre bancos. Para que ela possa ser efetuada é necessário o preenchimento de um formulario, algo que obriga que o interessado se desloque para uma agência de modo a fazer o preenchimento de um formulário já que são necessários os dados do beneficiário levando pelo menos um dia útil para que a ordem seja compensada. The Credit Order Document is a transfer electronics between banks. In order for it to be carried out it is necessary to filling out a form, something that requires the interested person to move to an agency to fill out a form as they are beneficiary data taking at least one business day for the order is compensated.

Transferência Eletrónica Disponivel é um pagamento feito maneira eletrônica onde existem montantes minimos para que esta seja feita, podendo ser realizada via Internet. O valor pode ser compensado em poucos minutos e fica disponível no mesmo dia para o beneficiário. Entretanto está condicionada a um valor minimo proposto pelo banco, Wire Transfer Available is a payment done electronically where there are minimal amounts for this to be can be done via the Internet. The value can be offset in minutes and is available the same day to the beneficiary. meantime is subject to a minimum value proposed by the bank,

O boleto bancario pode ser utilizado em quase todas as compras online e tem a vantagem de poder ser impreesso e utilizado para realizar alguns pagamentos em agências bancária e estabelecimentos conveniados sendo considerado uma forma segura de pagamento e muito conhecida atualmente. Entretanto depende do uso da internet do uso de site específico, o que pode ser limitador tanto do ponto de vista da portabilidade como do uso daqueles que nao dominam facilmente a web. The bank slip can be used in almost all online shopping and has the advantage that it can be printed and used for make some payments at bank branches and affiliated establishments being considered a secure form of payment and well known today. However it depends on the internet usage of the specific site usage which can be both from the point of view of portability and the use of those who do not easily dominate the web.

Em alguns paises, o PayPal é uma forma de pagamento eletrónico muito conhecida para quem usa a internet. O PayPal é uma empresa que possibilita a transferência de dinheiro entre pessoas e instituições. Pode-se usá-lo para compras, registro de domínios, pagamento de hospedagens, e muitas outras finalidades. Para utilizar-se deve-se criar uma conta no PayPal e depositar/receber o valor que desejar. Esta forma d pagamento possui limites quando ao uso daqueles que nao dominam as ferramentas da Web. In some countries, PayPal is a form of payment. well known to anyone who uses the internet. PayPal is a company that enables the transfer of money between people and institutions. One can use it for purchases, domain registration, hosting payment, and many other purposes. To use it you must create a PayPal account and deposit / receive the amount you wish. This form of payment has limits when using those who do not master web tools.

A transferência simples bancária é uma forma de pagamento eletrónico via Internet Banking. Trata-se de um serviço que exige o uso de uma senha diferente da utilizada nos caixas eletrônicos, ou seja em complemento das senhas de transações online. Os movimentos podem ser feitos nas agências bancárias, via Internet, por telefone e em alguns casos até mesmo por mensagens de texto SMS. Este forma de pagamento tambem possui limites quando ao uso daqueles que não dominam as ferramentas da Web. Simple bank transfer is a way of electronic payment via Internet Banking. It is a service that requires the password other than that used at ATMs, ie complement of online transaction passwords. Movements can be made on bank branches, via the Internet, by telephone and in some cases even by SMS text messaging. This form of payment also has limits when use of those who do not master web tools.

도면의 간단한 설명도면 의 간단한 설명

O sistema de pagamento eletrônico automático dispositivo-dispositivo , objeto deste pedido de patente de invenção poderá ser entendido em todos os seus particulares através da descrição pormenorizada que será feita com base nas figuras abaixo relacionadas, nas quais: The automatic electronic payment system device-device object of this patent application may be understood in all its particulars through the detailed description which will be made based on the figures below, in which:

A figura 1 ilustra uma vista em perspectiva geral dos equipamentos que compõem todo o sistema; Figure 1 illustrates a general perspective view. the equipment that makes up the whole system;

A figura 2 ilustra uma vista em perspectiva geral do dispositivo de comando das operações de pagamento/ recebimento denominado para efeitos de distinção dos demais por 'dispositivo YOU'; Figure 2 illustrates a general perspective view. payment / receipt operations for the purpose of distinguishing others by 'YOU device';

A figura 3 ilustra um detalhe ampliado, onde estão retratados todos o elementos responsável na impressão de faturas, denominado para efeitos de distinção dos demais por 'aparelho MID'; Figure 3 illustrates an enlarged detail where portrayed all the elements responsible for printing invoices, called for the purposes of distinguishing them by 'MID device';

기술적 과제기술적 과제

os sistemas de pagamentos eletrônicos atuais via internet, necessitam de computadores, ATMs e TPAs, limitando as operações ao seu uso. Mais ainda, muitas vezes não é possível ter accesso a site relacionado ou por uma questão e disponibilidade de computadores ligados a internet ou por dificuldade de acesso a web( principalmente aquelas pesssoas que não estão acostumadas a fazer uso). Por outro lado, nos sistemas atuais a tranferência não é directa, instântanea e portátil, algo que pode ser resolvido com o sistema aqui apresentado.  current electronic payment systems via computers, ATMs and TPAs, limiting operations to the its use. Moreover, it is often not possible to access a related site either for the sake and availability of computers connected to the internet or for difficulty in accessing the web (especially those people who are not accustomed to use). On the other hand, in current systems the transference not direct, instantaneous and portable, something that can be solved with the system presented here.

기술적 해결방법기술적 해결 방법

Em face da necessidade de se aprimorar e diversificar os sistemas de pagamentos eletrônicos foi criado o sistema de pagamento eletrônico automático dispositivo-dispositivo, também baseado no uso da internet e que não emprega o uso de dispositivos tradicionais usados nas operações transacionais usuais( computadores, ATMs e TPAs) , sendo apenas este o necessário para transferir recursos de forma automática, direta e imediata de uma conta para a outra. In the face of the need to improve and To diversify electronic payment systems, the automatic device-to-device electronic payment, also based on usage which does not employ the use of traditional devices used in usual transactional operations (computers, ATMs, and TPAs), with only this necessary to transfer resources automatically, directly and immediately from one account to the other.

유리한 효과유리한 효과

발명의 실시를 위한 최선의 형태발명 의 실시 를 위한 최선 의 형태

발명의 실시를 위한 형태발명 의 실시 를 위한 형태

서열목록서열 목록

Claims (5)

1.-' 'SISTEMA DE PAGAMENTO ELETRÓNICO INSTANTÂNEO DISPOSITIVO- DISPOSITIVO'.1.- '' INSTANT ELECTRONIC PAYMENT SYSTEM DEVICE- DEVICE '. ', o qual compreende a conexão entre os dados de contas dos bancos comerciais(3), que são ligados a servidores (4) responsáveis pelo processamento automático das transações via internet (2) entre os dispositivos de transferência (1).', which comprises the connection between the account data of the commercial banks (3), which are connected to servers (4) responsible for the automatic processing of internet transactions (2) between devices transfer (1). Para realizar as operações necessárias, o dispositivo de transferência (1) possui um teclado (6), um visor (5), contemplado ainda uma abertura lateral (7) destinada a dar entrada do chip de dados (12) acoplando junto a placa (10) que é responsável pelas operações de pagamento e recebimento, sendo este dispositivo alimentado por uma baterias (11) que possui uma entrada para realizar a carga e USB (8) sendo também a baterias recarregadas por um painel solar(9).To perform the necessary operations, the transfer (1) has a keypad (6), a display (5), further including a side opening (7) for inputting the data chip (12) coupling next to the plate (10) which is responsible for the payment and This device is powered by a battery USB charging port (8) and batteries recharged by a solar panel (9). Para realizar a impressão de faturas, o dispositivo de transferência (1), emparelha-se via bluethoth, a um aparelho de impressão indicado pela referência 'MID', composto por um visor (13) um botão de impressão (14), de modo que a fatura saia do rolo(21) instalado por meio de porta (19) que fica localizado ao lado da placa de dados (20), alojado próximo de um chip GPRS(22).To perform invoice printing, the (1), pair via bluethoth to a 'MID', consisting of a display (13), a (14) so that the invoice comes out of the roll (21) installed by means of door (19) which is located next to the data plate (20), housed next to of a GPRS chip (22). Para a alimentação aparelho 'MID', existem dois pinos de alimentação (18), que são ligados a uma tomada elétrica, possuindo de alarme para o caso de serem desligados, sendo de certo que deste modo o aparelho pode ser diretamente receber carga para a bateria(23), que também pode ser alimentada por uma placa solar(17).For 'MID' device power, there are two power pins. (18), which are connected to an electrical outlet, having alarm if they are switched off, the device can be directly charged to the battery (23), which can also be powered by a solar plate (17). 2.-' SISTEMA DE PAGAMENTO ELETRÓNICO INSTANTÂNEO DISPOSITIVO- DISPOSITIVO,' de acordo com a reivindicação número 1, para realizar as operações necessárias, o dispositivo de transferência (1) possui um teclado (7), um visor (6), contemplado ainda uma abertura lateral(8) destinada a entrada do chip de dados (13) acoplando junto a placa (11) que é responsável pelas operações de pagamento e recebimento afins, sendo este dispositivo alimentado por uma baterias (12) que possui uma entrada para realizar a carga (9) sendo também a baterias (12) recarregada por um painel solar(10);2.- 'INSTANT ELECTRONIC PAYMENT SYSTEM DEVICE- DEVICE according to claim 1, for To perform the necessary operations, the transfer device (1) has a keyboard (7), a display (6), further comprising a side opening (8) for the input of the data chip (13) coupling next to the board (11) which is responsible for related payment and receipt transactions, this device being powered by a battery (12) that has an input to carry the charge (9) being also the batteries (12) recharged by a panel solar (10); 3.-' 'SISTEMA DE PAGAMENTO ELETRÓNICO INSTANTÂNEO DISPOSITIVO- DISPOSITIVO'.3.- '' INSTANT ELECTRONIC PAYMENT SYSTEM DEVICE- DEVICE '. ', o qual compreende a conexão entre os dados de contas dos bancos comerciais(3), que são ligados a servidores (4) responsáveis pelo processamento automático das transações via internet (2) entre os dispositivos de transferência (1).', which comprises the connection between the account data of the commercial banks (3), which are connected to servers (4) responsible for the automatic processing of internet transactions (2) between devices transfer (1). Para realizar as operações necessárias, o dispositivo de transferência (1) possui um teclado (6), um visor (5), contemplado ainda uma abertura lateral (7) destinada a dar entrada do chip de dados (12) acoplando junto a placa (10) que é responsável pelas operações de pagamento e recebimento, sendo este dispositivo alimentado por uma baterias (11) que possui uma entrada para realizar a carga e USB (8) sendo também a baterias recarregadas por um painel solar(9).To perform the necessary operations, the transfer (1) has a keypad (6), a display (5), further including a side opening (7) for inputting the data chip (12) coupling next to the plate (10) which is responsible for the payment and This device is powered by a battery USB charging port (8) and batteries recharged by a solar panel (9). Para realizar a impressão de faturas, o dispositivo de transferência (1), emparelha-se via bluethoth, a um aparelho de impressão indicado pela referência 'MID', composto por um visor (13) um botão de impressão (14), de modo que a fatura saia do rolo(21) instalado por meio de porta (19) que fica localizado ao lado da placa de dados (20), alojado próximo de um chip GPRS(22).To perform invoice printing, the (1), pair via bluethoth to a 'MID', consisting of a display (13), a (14) so that the invoice comes out of the roll (21) installed by means of door (19) which is located next to the data plate (20), housed next to of a GPRS chip (22). Para a alimentação aparelho 'MID', existem dois pinos de alimentação (18), que são ligados a uma tomada elétrica, possuindo de alarme para o caso de serem desligados, sendo de certo que deste modo o aparelho pode ser diretamente receber carga para a bateria(23), que também pode ser alimentada por uma placa solar(17).For 'MID' device power, there are two power pins. (18), which are connected to an electrical outlet, having alarm if they are switched off, the device can be directly charged to the battery (23), which can also be powered by a solar plate (17). 4.-' SISTEMA DE PAGAMENTO ELETRÓNICO INSTANTÂNEO DISPOSITIVO- DISPOSITIVO', de acordo com a reivindicação número 3, caracterizada pelo facto de que o funcionamento do mecanismo (M), aqui tratado, prevê a realizar a impressão de faturas em casa, o dispositivo de transferência (1) indicados de modo geral pela referência 'YOU', emparelha-se via bluethoth, a um aparelho contemplado neste sistema de pagamento automático e que realiza a impressão doméstica das faturas resultantes das transações realizadas. O aparelho em questão indicado de modo geral pela referência 'MID' para efeitos deste pedido de patente, é composto por um visor (11) que se presta a mostrar os dados da fatura, que pode ser impressa em casa, mediante o uso do botão de impressão (12), fazendo com que o fatura saia do rolo(4) que é instalado por meio de porta (16) que fica instalada ao lado da placa. 4.- 'DEVICE-DEVICE INSTANT INSTANT PAYMENT SYSTEM' according to claim 3, characterized in that the operation of the mechanism (M), provided herein, provides for the printing of invoices at home, the device transfer (1) generally indicated by the reference 'YOU', is paired via bluethoth to a device covered by this automatic payment system and which performs the domestic printing of invoices resulting from the transactions made. The apparatus in question, generally indicated by the reference 'MID' for the purposes of this patent application, comprises a display (11) which is capable of displaying invoice data which can be printed at home using the button. (12), causing the invoice to come out of the roll (4) that is installed through the door (16) that is installed next to the card. 5 .-' SISTEMA DE PAGAMENTO ELETRÓNICO INSTANTÂNEO DISPOSITIVO- DISPOSITIVO'', de acordo com a reivindicação número (1), caracterizada pelo facto de que a o equipamento MID, pode contar com um de um dispositivo GPRS(19), usado para localizar geograficamente o dispositivo, o que permite o suporte para o cadastro ou reordenamento urbano.5 .- 'INSTANT ELECTRONIC PAYMENT SYSTEM DEVICE- DEVICE '' according to claim number (1), characterized by the fact that the MID equipment can count on one of a GPRS device (19), which is used to geographically locate the device, which allows support for urban registration or reordering.
PCT/IB2013/060442 2013-11-27 2013-11-27 Instantaneous device-device electronic payment system Ceased WO2015079287A1 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
PCT/IB2013/060442 WO2015079287A1 (en) 2013-11-27 2013-11-27 Instantaneous device-device electronic payment system

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Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20070011099A1 (en) * 2005-07-11 2007-01-11 Conrad Sheehan SECURE ELECTRONIC TRANSACTIONS BETWEEN A MOBILE DEVICE AND OTHER MOBILE, FIXED, or VIRTUAL DEVICES
EP2632180A1 (en) * 2012-02-27 2013-08-28 Gemalto SA Method for exchanging data between two mobile devices

Patent Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20070011099A1 (en) * 2005-07-11 2007-01-11 Conrad Sheehan SECURE ELECTRONIC TRANSACTIONS BETWEEN A MOBILE DEVICE AND OTHER MOBILE, FIXED, or VIRTUAL DEVICES
EP2632180A1 (en) * 2012-02-27 2013-08-28 Gemalto SA Method for exchanging data between two mobile devices

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