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WO2006016250A2 - Dispositif electronique multifonction dote d'un logiciel resident permettant de capturer des operations financieres et non financieres a domicile ou dans des magasins, qui fonctionne en liaison avec une ligne telephonique - Google Patents

Dispositif electronique multifonction dote d'un logiciel resident permettant de capturer des operations financieres et non financieres a domicile ou dans des magasins, qui fonctionne en liaison avec une ligne telephonique Download PDF

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Publication number
WO2006016250A2
WO2006016250A2 PCT/IB2005/002343 IB2005002343W WO2006016250A2 WO 2006016250 A2 WO2006016250 A2 WO 2006016250A2 IB 2005002343 W IB2005002343 W IB 2005002343W WO 2006016250 A2 WO2006016250 A2 WO 2006016250A2
Authority
WO
WIPO (PCT)
Prior art keywords
financial
telephone line
transactions
home
resident software
Prior art date
Application number
PCT/IB2005/002343
Other languages
English (en)
Other versions
WO2006016250A3 (fr
Inventor
Bloisi Albertoni De Lemos
Original Assignee
Bloisi Albertoni De Lemos
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 Bloisi Albertoni De Lemos filed Critical Bloisi Albertoni De Lemos
Publication of WO2006016250A2 publication Critical patent/WO2006016250A2/fr
Publication of WO2006016250A3 publication Critical patent/WO2006016250A3/fr

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Classifications

    • 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

Definitions

  • This descriptive report is related to an invention for a multifunction electronic device conceived to act as an interface between individuals and entities on one side, and a data processing and distribution center on the other side, allowing for the capture of financial and nonfmancial transactions, as well as an interactive communication among the users thereof in several communication networks, including radio and TV networks.
  • the MULTIFUNCTION DEVICE is electrically autonomous, taking its electrical supply from the telephone network it is connected to.
  • This is a multifunction device provided with user-interface devices, including keypad, display and optical and magnetic readers, being capable of reading several types of magnetic cards with barcodes of various thicknesses (ranging from 0.2 to 0.8 mm), as well as printouts with barcodes, such as public utility carriers and bank slips. Accordingly, both individuals and companies can, from their homes or stores, make payments of accounts and perform several kinds of electronic transactions.
  • the MULTIFUNCTION DEVICE operates as an integral part of a network (Associated Network) which in its turn is an integral part of a System, as shown in Figure 1.
  • the MULTIFUNCTION DEVICE is connected through a dialed connection to an ARU-platform Hub, with which an interactive communication is established.
  • Such hub communicates by means of an IP protocol with one or more data centers.
  • the electronic transaction data are processed and/or distributed to the member companies participating in the System, such as credit card issuers, banks, financial institutions, brand names, acquirers, government entities, media, advertising and marketing companies, fidelity companies (CRM), among others.
  • the MULTIFUNCTION DEVICE stores up to 10 numbers of hub central offices in its memory. The selection of the number that is automatically dialed when the card is passed through the MULTIFUNCTION DEVICE can be made based on the card type or brand name associated thereto.
  • the MULTIFUNCTION DEVICE and the network related thereto has its main structure divided into four business niches: telecommunications; media and leisure; financial industry; and e-commerce and t-commerce.
  • the MULTIFUNCTION DEVICE can be commercially used as a tool to close businesses in several segments of the electronic commerce, namely B2B (business to business), B2C (business to consumer), C2C (consumer to consumer), and M2M (mass commerce among consumer, cooperative and consortium groups, either geographically apart or not).
  • the MULTIFUNCTION DEVICE is an action-reaction encouraging device, and the individual can use his options and have a real time interaction with them.
  • the network to which it is connected uses basically the infrastructure of telecommunication companies — telephone lines and data centers — as its main vehicle.
  • the MULTIFUNCTION DEVICE Taking into account that one of the segments in which the MULTIFUNCTION DEVICE will be used is the financial niche, where the security requirements to capture credit, debit and pre-paid card transactions are extremely strict, the MULTIFUNCTION DEVICE has been conceived to be extremely safe. It is provided with an embedded 192-switch 3DES data encryption feature, which renders practically inviolable the transfer of sensitive data (such as passwords and credit/debit card numbers) to the data centers.
  • sensitive data such as passwords and credit/debit card numbers
  • Traders who accept credit cards use those small familiar manual machines ("reco- reco"), which are not entirely reliable, requiring voice telephone calls to be made in order to obtain the authorization code from the card operator. Such small machines do not accept debit cards.
  • the MULTIFUNCTION DEVICE will allow that both micro and small companies, standing for 96% of all companies in Brazil, amounting to 5.4 million establishments, can be able to accept credit, debit and pre-paid card payments, thus increasing their competitiveness, security and customer service.
  • Set Top Boxes are under initial installation. These are boxes placed on TV sets providing them with a limited interactivity. As a rule, such devices belong to pay TV operating companies and have a very limited performance level, being useful when ordering movies (pay-per-view) and shows for user groups that are already registered with such operators. In general, the payment is made through a bank slip that reaches such customers on a monthly basis jointly with the payment for the pay TV services. Some of these set top-type boxes / devices also allow for the use of TVs in interactive games. In this case, the Internet is generally used as a communication means.
  • the Internet the worldwide computer network — has been increasingly expanding all over the world. However, a relatively small part of the world population can have access to such global network. Because of the lack of culture and fear of digital piracy, an even smaller number of persons use such network to make electronic transactions such as payment of bills, electronic purchases, electronic voting and other interactive transactions. In addition to the security issue, it takes too much time, particularly in case the Internet connection is made through a dialing process, for an individual to login, access the bank or the store website, enter passwords, enter the extensive bill barcode and close a transaction, and this is regarded as unacceptable by many people.
  • Such purchases which are in general encouraged by TV ads, printed catalogs and periodicals, are extremely insecure.
  • the purchasers provide their credit card number and even their voice security code, running the risk of having their number captured just with a wiretap. Whenever the transfer of such data is made through mobile phones, the risk of capture is even increased, due to the easiness of capturing and decoding radio signals that use the voice of their users.
  • the MULTIFUNCTION DEVICE gathers into one single device the features of barcode reader (which automates and renders less error-susceptible the entry of data of payable bills), magnetic card reader and automatic dialing to the data pre- processing and distribution central office. Additionally, this device makes the processes of paying the bills, making electronic purchases and other financial transactions extremely agile and safe.
  • the MULTIFUNCTION DEVICE also allows that purchases that were traditionally made by voice telephone can be so closed.
  • the user can interact with a sale clerk of a store provided with a home delivery system, by selecting and listing the products desired.
  • the MULTIFUNCTION DEVICE is used only when the order is closed.
  • the store informs the user, through voice, his order code, and the user makes the payment for that order using the MULTIFUNCTION DEVICE, entering said code and then passing one of his credit, debit or pre-paid cards in the device.
  • the store will release the delivery of the goods.
  • the MULTIFUNCTION DEVICE is provided with several business platforms, for which some basic applications are being developed, as follows:
  • Financial services at homes payment of bills through bank slips and other financial / banking features.
  • Commerce and industry financial services payment of bills through bank slips; receipt of credit / debit cards; other financial / banking features.
  • Nonflnancial services at homes cell phone charging, tourist services (trip packages, tickets, etc.) pay-per-view TV, lotteries.
  • Interactive TV interactive shows; product and ads testing; ordered polls and electronic voting; TV lotteries and interactive / non-interactive games.
  • the MULTIFUNCTION DEVICE will have an outstanding role in this new scenario.
  • MULTIFUNCTION DEVICE several features that would be possible only through the popularization of the digital TV, which will be a reality within many years from now, will be able to be used together with the conventional TV.
  • the pay TV market may evolve towards eliminating fixed monthly fees, and proceeding to charge what has been actually consumed.
  • Several shows and movies will be selected and watched at any time, and the payment will be made by the MULTIFUNCTION DEVICE itself upon the selection of the show.
  • Each show will have a code to be entered in the MULTIFUNCTION DEVICE and released by passing and processing the transaction with the user's credit, debit or pre-paid card.
  • the MULTIFUNCTION DEVICE business plan is also focused on two additional platforms, for which some applications are already being prepared:
  • Medical-hospital-pharmaceutical area capture and processing of transactions to authorize consultations and medical procedures in doctor's offices, clinics, laboratories and hospitals for health insurance members; authorization to sell medication with deductions at drugstores for health insurance members.
  • Logistic control area tracking of cargo vehicles and control of company fleets, detecting any deviations regarding pre-established routes.
  • the first releases of the MULTIFUNCTION DEVICE shall require the connection to a land telephone network.
  • New releases estimated in its development plan include models with integrated mobile communication service.
  • the MULTIFUNCTION DEVICE users, particularly traders and liberal professionals will be able to login the system data centers (from anywhere with mobile telephone system coverage) in order to perform a great number of electronic transactions.
  • MULTIFUNCTION DEVICE Another line of expected development is the integration of the MULTIFUNCTION DEVICE to pay phones and interactive kiosks so that people who do not have a telephone set at home can shop and interact with the various systems integrated to the MULTIFUNCTION DEVICE network.
  • Figure 1 shows a diagram where the MULTIFUNCTION DEVICE, and the related network and system can be seen;
  • Figure 2 shows in “A” a front view of the MULTIFUNCTION DEVICE, and in “B” the device being used;
  • Fig. 3 shows a block diagram of the MULTIFUNCTION DEVICE, showing the main modules which are part of the device;
  • Fig. 4 shows a diagram with some elements of the creation and validation process of the MULTIFUNCTION DEVICE with a validation card (master card);
  • Fig. 5 shows the security key arrangement on the device keypad
  • Fig. 6 shows a diagram of the electric circuit of the security keys
  • Fig. 7 shows a safety device inside the device housing, intended to fill the whole inner space so as to prevent the introduction of fraud-facilitating devices.
  • the MULTIFUNCTION DEVICE (1) is preferably installed at homes (20), or, alternatively, in small commercial establishments or offices or the like (21), and it is an integral part of a network (40) (associated network) which in its turn is an integral part of a System (60).
  • the MULTIFUNCTION DEVICE is connected through a telephone line (80) and dialed connection to an ARU-platform hub (41), which is part of the associated network (40), with which an interactive communication is established.
  • Such hub (41) communicates via IP protocol with one or more data centers (42), which are also part of the associated network (40).
  • the electronic transaction data are processed and/or distributed to the member entities participating in the System (60), such as: media, poll, advertising and marketing companies (61); government companies (62); banks (63); acquirers (64); brand names (65); card issuers (66).
  • the MULTIFUNCTION DEVICES (1), the associated network (40) and the system (60) integrate already implemented usual communication systems.
  • the MULTIFUNCTION DEVICE (1) includes, basically: a central dedicated software-based CPU (2); user interface devices and data entry, including: a display (3); a keypad (4); a DTMF module (4), including a generator and amplifier; a magnetic reader (5); and an optical reader (6), the last two of a slot-type; such device further includes a security device (7), including security keys; an interface (8) with the telephone line (80), including electrical power supply of the kind providing electrical supply for the device from the telephone line; serial interface and output circuit, all such components housed or integrated in a small housing (9), fit to be held with one hand.
  • a central dedicated software-based CPU (2) user interface devices and data entry, including: a display (3); a keypad (4); a DTMF module (4), including a generator and amplifier; a magnetic reader (5); and an optical reader (6), the last two of a slot-type; such device further includes a security device (7), including security keys; an interface (8) with the telephone line (
  • the MULTIFUNCTION DEVICE is booted through a booting card (master card) with one magnetic track and another optical track, with mutually completing code parts related to the serial number of the
  • ⁇ 3DES international security standard storage capacity of up to 192-bit 10 autonomous cryptographic keys
  • the MULTIFUNCTION DEVICE has an embedded security device that, upon violation of its housing, the stored transaction data and the resident program are deleted;
  • New text messages can be downloaded through the telephone line (80) to be displayed on the display (3), for replacement or expansion of the pre-written messages previously written at the plant.
  • the user upon installation, the user is directed to pass the master card in the MULTIFUNCTION DEVICE.
  • the system will check the consistency between the serial number stored in the non-volatile memoiy of the equipment with the data string generated by a special routine existing in the resident software in the MULTIFUNCTION DEVICE from the cryptograph codes read from one of the master card magnetic tracks and the barcode read from the same card.
  • the MULTIFUNCTION DEVICE is considered as valid only when this routine shows that the data are consistent. Then, the phase two of the initialization process starts, when the user enters the credit and debit cards to be accepted for financial transactions in the MULTIFUNCTION DEVICE.
  • the MULTIFUNCTION DEVICE stores on a summarised manner only part of the data of these cards.
  • the MULTIFUNCTION DEVICE software checks whether the card passed on its slot is one of the cards registered, and it accepts only those which have been previously registered. New cards may be registered later, but only with the aid of the master card.
  • Another security measure used is the link of the serial number of the MULTIFUNCTION DEVICE with its user's telephone number, m case some person tries to connect the MULTIFUNCTION DEVICE through a telephone line different from the one registered, the Network with which the MULTIFUNCTION DEVICE is associated identifies that such number is not the correct one, and the operation is aborted.
  • the user can use the MULTIFUNCTION DEVICE normally, to perform the financial and nonfinancial transactions desired.
  • keyboard sequence will be the following:
  • the MULTIFUNCTION DEVICE is equipped with a set of security features which is as a whole a feature never seen in the market before.
  • the MULTIFUNCTION DEVICE has a device to ensure the data integrity and confidentiality, comprised by the referred 3DES data encrypting feature (the data are encrypted 3 times, through the international Data Encryption Standard), with a 192- bit key, what makes the transfer of sensitive data (such as passwords and number of credit/debit cards) to the data centers virtually inviolable.
  • This encryption process is linked to 10 key position used by different card brands and managers, in order to ensure both the integrity and the confidentiality of their data.
  • the MULTIFUNCTION DEVICE has 5 security keys which detect any attempts to open the equipment, and delete the sensitive data stored in its RAM (Random Access Memory). When the security keys are open, the MULTIFUNCTION DEVICE not only deletes the stored data related to transactions in progress, but also deletes part of the equipment operating software, making it stop operating.
  • the keys are arranged as a series, and when one of them is open, the power source to RAM memories is interrupted, causing the full deletion of the data stored.
  • RAM memories keep the information when powered by a suitable source. As shown in the drawing, such source is a three-(3) volt battery.
  • a suitable source is a three-(3) volt battery.
  • the circuit through which it circulates is interrupted through the opening of any key, all the data stored in the RAM are definitively lost.
  • the MULTIFUNCTION DEVICE is assembled at the factory, the five security keys get closed due to the pressure made by the external box on the keyboard.
  • any key which gets opened generates a discontinuity in the circuit, and the resulting interruption in the RAM memory power source.
  • the critical areas inside the MULTIFUNCTION DEVICE that is, the areas in which the memories with the stored data and the operating programmes (software) can be found, are protected with an epoxy layer.
  • Such material in view of its hardness, hinders the access to the components assembled in this area.
  • the only manner to have access to the electronic components would be by carving the epoxy with special drills, a very difficult process to be performed, even because the risk of damaging the components during such process is very high.
  • Epoxy also prevents the position of the components on the printed circuit board from being identified, something that produces an additional difficulty.
  • the MULTIFUNCTION DEVICE uses grooves 10 internal to the enclosure 9 of the equipment, in order not to leave any empty space in its inside.
  • Figure 7 shows the drawing of the MULTIFUNCTION DEVICE internal structure, in which one can see the furrows (grooves) which occupy the whole internal space of the MULTIFUNCTION DEVICE not used by its circuits and modules.
  • the generation of the so- called Master Card is set forth, which is a dual card (both magnetic and optical), with a magnetic stripe on one side and a bar code printed on the other side.
  • the codes recorded on both the magnetic stripe and the bar code are stored in the system and associated with the serial number of the MULTIFUNCTION DEVICE being issued. This serial number is also recorded in the internal memory of the MULTIFUNCTION DEVICE.
  • the MULTIFUNCTION DEVICE When the MULTIFUNCTION DEVICE is intended for a certain user, the number of his telephone line becomes associated, in the system, with the serial number of the MULTIFUNCTION DEVICE. Upon the installation of the equipment, the user is compelled to pass the Master Card before being able to start operating the MULTIFUNCTION DEVICE. As the MULTIFUNCTION DEVICE has an optical reader and a magnetic reader, it can read information stored on the magnetic stripe of the card, as well as on the bar code printed on the Master Card body. Thus, it builds the product identification code. Simultaneously, the MULTIFUNCTION DEVICE reads the equipment serial number from its internal memory. The identification code and the serial number are forwarded to a remote Data Center.
  • the system checks if the identification number retrieved from the Master Card, the equipment serial number and the user's telephone number are all compatible. Only if the compatibility of the data is confirmed the system returns to the MULTIFUNCTION DEVICE a command enabling its operation to get started. This feature also prevents the MULTIFUNCTION DEVICE from being used in environments different from the one in which it has been originally installed (protection against theft or unauthorised use of the device).
  • the MULTIFUNCTION DEVICE has further a feature which makes it much less susceptible and, therefore, safer against failures resulting from lightning or sudden variations in the power network. Since it does not depend on an external power source, and uses the telephone network itself to extract from it the power for its circuits, the MULTIFUNCTION DEVICE is immune to surges of the power network created by lightnings and oscillations in the power voltage caused by sudden charge variations in this network. Apparatuses intended for home market, especially those which are also connected to the telephone network, are subject to even worse weather conditions, due to the fact that home outlets in general have not grounding pins. Without a stable grounding reference, the chances of damage to the equipment, especially during storms or surcharge of the power network, are much higher. The fact of the power network not having the same grounding as the telephone network also aggravates the issue.
  • the terminals commercially available today have some of these security features (3DES cryptography, security keys). However, none of them has the furrow (groove) feature, and all of them managed to implement these features at a very high cost.
  • the MULTIFUNCTION DEVICE stands out for having all the security features referred to and cost compatible with the main market to which it is intended: the home market.
  • the standard chosen to convey data was the DTMF, with the elimination of modem.
  • the use of the DTMF standard made the communication of the MULTIFUNCTION DEVICE with remote servers equipped with ARU (Audible Response Unit) feasible. Such units are typically used for interaction with conventional telephone sets through voice.
  • ARU au Response Unit
  • Such units are typically used for interaction with conventional telephone sets through voice.
  • the same ARU' s which are relatively low-cost apparatuses
  • MULTIFUNCTION DEVICE Another innovation of the MULTIFUNCTION DEVICE was to concentrate several functions, usually performed by different microprocessors, in one single CPU (Central Processing Unit)-in this case a microcontroller with a very low power consumption.
  • said microcontroller performs the functions of reading and retrieving data from magnetic cards, reading and retrieving data from bar codes, display and keyboard management, internal management, memory management, cryptography and data communication (via telephone network).
  • the power saving from such features is significant, enabling the elimination of an external power source.
  • the MULTIFUNCTION DEVICE became even more compact.
  • the space required for the power source disappeared, as well as the thermal dissipaters.
  • the need of internal space was then quite reduced.
  • the reduction of the size generated another favourable impact on the cost.
  • the reduced size of the MULTIFUNCTION DEVICE made the use of a cheaper enclosure feasible.

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Physics & Mathematics (AREA)
  • Economics (AREA)
  • Strategic Management (AREA)
  • Development Economics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Engineering & Computer Science (AREA)
  • Theoretical Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Telephonic Communication Services (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)
  • Telephone Function (AREA)

Abstract

La présente invention se rapporte à un dispositif multifonctionnel faisant partie des systèmes et du matériel permettant d'effectuer des opérations électroniques, qui est constitué de dispositifs assurant l'interface avec l'utilisateur. Le dispositif selon l'invention comprend un écran (3) et un clavier (4), un dispositif lecteur de type lecteur de carte magnétique, un dispositif de communication à double tonalité multifréquence relié, par l'intermédiaire d'une ligne téléphonique (80) et d'une station de distribution de données de prétraitement (40), à un système associé (60) formé par des banques, des magasins, des systèmes de télévision par câble et d'autres entités affiliées au système. Ledit dispositif de lecture comprend un lecteur magnétique (5) et un lecteur de codes à barres (6) lisant des cartes de crédit, des cartes de débit et d'autres cartes dotées de pistes magnétiques appartenant à des banques ou à des établissements similaires, ainsi que d'autres documents portant des codes à barres, tels que des traites émanant de concessionnaires publics, des bordereaux bancaires, des documents de recouvrement de l'impôt, des catalogues, etc., qui permettent de payer des factures, des impôts, faire des achats et réaliser d'autres opérations financières à partir du domicile de l'utilisateur, ou de réaliser des opérations non financières telles que voter, répondre à des concours avec attribution de prix, etc.
PCT/IB2005/002343 2004-08-05 2005-08-05 Dispositif electronique multifonction dote d'un logiciel resident permettant de capturer des operations financieres et non financieres a domicile ou dans des magasins, qui fonctionne en liaison avec une ligne telephonique WO2006016250A2 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
BRPI0403207-1A BRPI0403207A (pt) 2004-08-05 2004-08-05 dispositivo eletrÈnico multifuncional com software residente para captura de transações financeiras e não financeiras, tanto de residências como em estabelecimentos comerciais, que opera conectado a uma linha telefÈnica
BRPI0403207-1 2004-08-05

Publications (2)

Publication Number Publication Date
WO2006016250A2 true WO2006016250A2 (fr) 2006-02-16
WO2006016250A3 WO2006016250A3 (fr) 2006-04-06

Family

ID=36095944

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PCT/IB2005/002343 WO2006016250A2 (fr) 2004-08-05 2005-08-05 Dispositif electronique multifonction dote d'un logiciel resident permettant de capturer des operations financieres et non financieres a domicile ou dans des magasins, qui fonctionne en liaison avec une ligne telephonique

Country Status (6)

Country Link
CN (1) CN1783141A (fr)
AR (1) AR051629A1 (fr)
BR (1) BRPI0403207A (fr)
PE (1) PE20060545A1 (fr)
RU (1) RU2005124978A (fr)
WO (1) WO2006016250A2 (fr)

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US8255325B2 (en) 2000-03-17 2012-08-28 Ebay Inc. Method and apparatus for facilitating online payment transactions in a network-based transaction facility using multiple payment instruments
US10223676B2 (en) 2005-09-29 2019-03-05 Paypal, Inc. Release of funds based on criteria

Families Citing this family (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2009132475A1 (fr) * 2008-04-29 2009-11-05 Guo Jianguo Terminal de paiement bancaire sur réseau privé utilisé tant pour les cartes à ci que pour les cartes de crédit sur gab
CN102622820A (zh) * 2012-02-29 2012-08-01 钱袋网（北京）信息技术有限公司 终端设备和服务器
US9898726B2 (en) * 2013-03-28 2018-02-20 Glory Global Solutions (International) Limited Security system
TWI505209B (zh) * 2013-10-09 2015-10-21 Castles Technology Co Ltd 防止被錯誤資訊誘騙之切換系統

Family Cites Families (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4799254A (en) * 1986-06-30 1989-01-17 Wang Laboratories, Inc. Portable communication terminal for remote database query
GB9622349D0 (en) * 1996-10-28 1997-01-08 Therefore Limited Hand held computer and communications apparatus
US20030230630A1 (en) * 2001-12-20 2003-12-18 Whipple Larry Cale Using mobile electronic devices to transfer data through dynamically generated scannable barcode images
JP2003271817A (ja) * 2002-03-15 2003-09-26 Toshiba Tec Corp 携帯情報端末装置及び記帳システム
US6641039B2 (en) * 2002-03-21 2003-11-04 Alcon, Inc. Surgical procedure identification system

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US8255325B2 (en) 2000-03-17 2012-08-28 Ebay Inc. Method and apparatus for facilitating online payment transactions in a network-based transaction facility using multiple payment instruments
US10223676B2 (en) 2005-09-29 2019-03-05 Paypal, Inc. Release of funds based on criteria

Also Published As

Publication number Publication date
WO2006016250A3 (fr) 2006-04-06
BRPI0403207A (pt) 2006-03-21
AR051629A1 (es) 2007-01-31
PE20060545A1 (es) 2006-07-14
CN1783141A (zh) 2006-06-07
RU2005124978A (ru) 2007-02-10

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