公开(公告)号：WO2013038416A1

公开(公告)日：2013-03-21

申请号：PCT/IN2011/000631

申请日：2011-09-14

Applicant: INFOSYS LIMITED ,  KANNAMBADI SUBBAKRISHNA RAMSESH, Kiran ,  BANDYOPADHYAY, Gautam

Inventor： KANNAMBADI SUBBAKRISHNA RAMSESH, Kiran ,  BANDYOPADHYAY, Gautam

IPC: G06Q20/20 ,  G06Q20/32 ,  H04B7/26 ,  H04B11/00

CPC classification number: G06Q20/20 ,  G06Q20/18 ,  G06Q20/3272 ,  H04B11/00

Abstract: The present invention provides a method and system for transmitting a transaction identifier from a handheld communication device to an Electronic Data Capture (EDC) Device. The transaction identifier is encoded into audio frequency tones and emitted by a handheld communication device. The audio frequency tones are received by an Electronic Data Capture (EDC) device present at a merchant location. Further, the audio frequency tones are decoded at the EDC device and the transaction identifier is retrieved for further processing of the proximity payment transaction.

Abstract translation: 本发明提供一种用于将交易标识符从手持通信设备发送到电子数据捕获（EDC）设备的方法和系统。 交易标识符被编码成音频音调并由手持通信设备发出。 音频音调由存在于商家位置的电子数据采集（EDC）装置接收。 此外，在EDC设备处解码音频音调，并检索交易标识符用于进一步处理接近支付交易。

公开(公告)号：WO2013038417A1

公开(公告)日：2013-03-21

申请号：PCT/IN2011/000632

申请日：2011-09-14

Applicant: INFOSYS LIMITED ,  BANDYOPADHYAY, Gautam ,  KANNAMBADI SUBBAKRISHNA RAMSESH, Kiran

Inventor： BANDYOPADHYAY, Gautam ,  KANNAMBADI SUBBAKRISHNA RAMSESH, Kiran

IPC: G06K19/073

CPC classification number: G06F21/32 ,  G06F21/34 ,  G06Q20/3576

Abstract: The present invention provides a method and system for securing data on a financial transaction instrument by accessing a unique identification data of a user by a transaction terminal, generating a set of authorized keys using the unique identification data of the user at the transaction terminal, partitioning a memory structure of the financial transaction instrument into a set of storage areas such that each storage area is associated with an entity with whom the user performs a transaction using the financial transaction instrument, and allocating the set of authorized keys to the set of storage areas for performing a plurality of operations on the data stored in the set of storage areas. The dynamic generation of keys at the transaction terminal results in instant issuance of the financial transaction instrument.

Abstract translation: 本发明提供一种用于通过访问交易终端访问用户的唯一标识数据来保护金融交易工具上的数据的方法和系统，使用交易终端上的用户的唯一标识数据生成一组授权密钥，分区 将所述金融交易工具的存储器结构转换成一组存储区域，使得每个存储区域与所述用户使用所述金融交易工具进行交易的实体相关联，并将所述一组授权密钥分配给所述一组存储区域 用于对存储在该组存储区域中的数据执行多个操作。 交易终端上的动态生成键可以立即发行金融交易工具。