BR0308111A - Disposição de autenticação e método para uso com transações financeiras - Google Patents

Disposição de autenticação e método para uso com transações financeiras

Info

Publication number
BR0308111A
BR0308111A BR0308111-7A BR0308111A BR0308111A BR 0308111 A BR0308111 A BR 0308111A BR 0308111 A BR0308111 A BR 0308111A BR 0308111 A BR0308111 A BR 0308111A
Authority
BR
Brazil
Prior art keywords
message
client terminal
network
sale
item
Prior art date
Application number
BR0308111-7A
Other languages
English (en)
Inventor
Fikret Ates
Original Assignee
Mastercard Europ Sprl
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 Mastercard Europ Sprl filed Critical Mastercard Europ Sprl
Publication of BR0308111A publication Critical patent/BR0308111A/pt

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q20/04—Payment circuits
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q20/20—Point-of-sale [POS] network systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q20/3674—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 involving authentication
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/388—Payment protocols; Details thereof using mutual authentication without cards, e.g. challenge-response
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/409—Device specific authentication in transaction processing
    • G06Q20/4097—Device specific authentication in transaction processing using mutual authentication between devices and transaction partners
    • G06Q20/40975—Device specific authentication in transaction processing using mutual authentication between devices and transaction partners using encryption therefor
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1025—Identification of user by a PIN code

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Computer Security & Cryptography (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Telephone Function (AREA)
  • Mobile Radio Communication Systems (AREA)
  • Storage Device Security (AREA)
  • Dicing (AREA)
  • Particle Formation And Scattering Control In Inkjet Printers (AREA)
  • Junction Field-Effect Transistors (AREA)

Abstract

"DISPOSIçãO DE AUTENTICAçãO E MéTODO PARA USO COM TRANSAçõES FINANCEIRAS". A presente invenção refere-se a uma disposição de autenticação para uso em um sistema de pagamento em rede para transação de uma venda de mercadoria através de uma rede usando um Cartão de Circuito Integrado é descrita, a disposição compreendendo: um servidor de negociante em comunicação com a referida rede, o referido servidor de negociante tendo pelo menos um primeiro item de mercadoria para venda; um terminal de cliente em comunicação com a referida rede, o referido terminal de cliente tendo um dispositivo de saída para analisar o referido primeiro item para venda e um dispositivo de entrada para iniciar uma transação de compra para comprar o referido primeiro item para venda, o referido terminal de cliente sendo disposto para construir uma mensagem de compra usando informação referente a um identificador de negociante e informação de transação financeira obtida do referido servidor de negociante; uma leitora de cartões para comunicação com o referido Cartão de Circuito Integrado, o referido terminal de cliente tendo meios para gerar um mensagem de desafio, a referida mensagem de desafio sendo gerada da informação referente ao identificador de negociante e um número de conta, meios para recebimento da mensagem de desafio na leitora de cartões e para gerar um valor da mensagem de desafio; O referido Cartão de Circuito Integrado tendo meios para gerar uma mensagem criptográfica de pelo menos uma parte do referido valor, a leitora de cartões tendo meios para gerar um símbolo de autenticação de pelo menos uma parte da mensagem criptográfica; e o referido terminal de cliente tendo meios para transmitir pelo menos parte do símbolo de autenticação em um mensagem para transmissão através da rede.
BR0308111-7A 2002-02-28 2003-02-28 Disposição de autenticação e método para uso com transações financeiras BR0308111A (pt)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
GBGB0204620.9A GB0204620D0 (en) 2002-02-28 2002-02-28 Chip authentication programme
PCT/BE2003/000036 WO2003073389A2 (en) 2002-02-28 2003-02-28 Authentication arrangement and method for use with financial transactions

Publications (1)

Publication Number Publication Date
BR0308111A true BR0308111A (pt) 2005-01-04

Family

ID=9931909

Family Applications (1)

Application Number Title Priority Date Filing Date
BR0308111-7A BR0308111A (pt) 2002-02-28 2003-02-28 Disposição de autenticação e método para uso com transações financeiras

Country Status (12)

Country Link
US (1) US10395462B2 (pt)
EP (4) EP2309465B1 (pt)
JP (1) JP4597529B2 (pt)
KR (1) KR20040089682A (pt)
AT (2) ATE377226T1 (pt)
AU (1) AU2003209860A1 (pt)
BR (1) BR0308111A (pt)
DE (2) DE60335049D1 (pt)
GB (1) GB0204620D0 (pt)
MX (1) MXPA04008410A (pt)
WO (1) WO2003073389A2 (pt)
ZA (1) ZA200406805B (pt)

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US20050119978A1 (en) 2005-06-02
US10395462B2 (en) 2019-08-27
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