WO2001067402A2 - Emission et distribution de jetons - Google Patents

Emission et distribution de jetons Download PDF

Info

Publication number
WO2001067402A2
WO2001067402A2 PCT/IB2001/000305 IB0100305W WO0167402A2 WO 2001067402 A2 WO2001067402 A2 WO 2001067402A2 IB 0100305 W IB0100305 W IB 0100305W WO 0167402 A2 WO0167402 A2 WO 0167402A2
Authority
WO
WIPO (PCT)
Prior art keywords
token
intended user
activation code
issuing
user
Prior art date
Application number
PCT/IB2001/000305
Other languages
English (en)
Other versions
WO2001067402A3 (fr
Inventor
James Timothy Charles Douglas Price
Christa Vanheel
Original Assignee
Infinia Ip Ltd
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 Infinia Ip Ltd filed Critical Infinia Ip Ltd
Priority to AU40953/01A priority Critical patent/AU4095301A/en
Publication of WO2001067402A2 publication Critical patent/WO2001067402A2/fr
Publication of WO2001067402A3 publication Critical patent/WO2001067402A3/fr

Links

Classifications

    • 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
    • G06Q20/30—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
    • G06Q20/355—Personalisation of cards for use
    • G06Q20/3558—Preliminary personalisation for transfer to user

Definitions

  • This invention relates to a method for the issuing and distribution of personalised tokens and, more particularly, but not exclusively, to a method for the issuing and distribution of bank cards.
  • Personalised tokens such as bank cards are generally issued with the bearer's details recorded and stored thereon, either on a magnetic strip in the case of a magnetic card, or in a storage memory in the case of a so- called "smart card”.
  • the tokens are designed to be used in various applications, such as an automated teller (ATM) network of a financial institution, or a point-of-sale
  • ATM automated teller
  • a personalised token can be either in an active state in which the token may be used in the application, or an inactive state in which the token is disabled for use in the application.
  • PIN personal identity number
  • the PIN is generally a randomly-generated number.
  • tokens are in an active state at issue, and the issued tokens are delivered to their intended users by post or other similar distribution channel.
  • the associated PINs are delivered either together with the corresponding tokens, or delivered later by means of the same distribution method.
  • a method for issuing and distributing personalised tokens comprising the steps of: issuing a personalized token, together with a corresponding PIN and an activation code, the token having an operational status which is either active when the token is enabled for use, or inactive when the token is disabled for use; delivering the issued token and the corresponding PIN to an intended user of the token, the status of the token being set to be inactive prior to delivery thereof; separately delivering the corresponding activation code to the intended user of the token; submitting the activation code and the PIN by means of a user access facility, upon receipt thereof; and altering the operational status of the token to be active if the submitted activation code is valid.
  • Further features of the invention provide for the method to include the further step of providing identification data, prior to issuing of the token, relating to the intended user; for including at least a postal address and a unique electronic messaging address in the identification data; for delivering the issued token to the intended user by mail, and for separately delivering the corresponding activation code to the intended use of by electronic mail.
  • Still further features of the invention provide for generating the activation code as a random a number, for the method of to include the further step of notifying the intended user of a change of the operational status of the token to active, and for notifying the intended user of activation of the token by means of electronic mail.
  • Yet further features of the invention provide for including in the identification data the name of the intended user of the token, the date of birth of the intended user, and a corresponding identity number of the intended user.
  • FIG. 1 is a flow diagram of the steps in a method for issuing and ' distributing a personalized token, according to the invention.
  • a method for issuing and distributing a personalized token includes, as a first step (1 ), the provision of identification data relating to an intended user of the token.
  • the identification data includes, as a minimum set, a name and postal address of the intended user, as well as unique electronic messaging address in the form of an Internet e-mail address. Additional identification data may also be provided, such as a telephone contact number, a date of birth of the intended user, as well as an identity or social security number or the like.
  • the identification data is then, optionally, checked, at (2), against identification data of already issued personalised tokens in order to eliminate the possibility of issuing a second token to a user who is already in possession of such a token.
  • the criteria for detection of token duplication are based on detecting duplications in any one or more of the Internet e- mail address, the first name, and the last name of the intended user of the token.
  • a personalised token is issued (3) together with a corresponding PIN and a separate activation code.
  • the PIN is a four- to six-digit number, while the activation code is a randomly generated number.
  • the authority which issues the token is a bank or other financial institution which determines the operation status of the token at issue.
  • the operational status of the issued token is either active, in which the token is enabled for use, or inactive, in which the token is disabled for use. It is an essential aspect of this invention that the operational status of the personalised token be set to inactive at the stage of issue.
  • the issued token and the associated PIN are delivered (4) to the postal address of the intended user by mail, while the intended user is notified by e-mail that the token has been dispatched by mail.
  • the e-mail notification (5) also contains the activation code corresponding to the user's issued token.
  • the user is required to submit (6) the PIN and the e-mailed activation code by means of an access facility in the form of an Internet Web site.
  • the submitted activation code is the validated by an application server, and the operational status of the issued token is changed from inactive to active if the activation code is found to be valid.
  • Use of the token at an automated teller machine or a point of sale terminal, without activation in this manner will result in the token being retained as a result of use of a token whose operational status is inactive.
  • the user is notified by e-mail that the operational status of the token is active, and the user may then utilise the token as desired.
  • this method of issuing and distributing a personalised token to a user prevents the physical token and its associated PIN from being intercepted during distribution, and fraudulently used by an unauthorised party, as the activation code is communicated to the user separately by means of a different distribution channel.
  • the use of both mail and e-mail as distribution channels for delivery of the various elements of the token ensures consistency of both the physical and e-mail addresses of the user of the token.
  • Successful activation of the token provides confirmation that the various components of the token, namely the physical token itself, and the associated PIN and activation code have been received by the intended user.
  • the invention therefore provides a method of issuing and distributing personalised tokens which offers greater security against interception than prior art equivalents.

Landscapes

  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Vending Machines For Individual Products (AREA)
  • Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)

Abstract

L'invention concerne un procédé pour émettre et distribuer des jetons personnalisés, comportant les étapes suivantes: émission d'un jeton personnalisé, avec un numéro d'identification personnelle (PIN) et un code d'activation, le jeton ayant un statut opérationnel qui est soit activé lorsque le jeton est validé pour l'utilisation, soit désactivé lorsque le jeton est invalidé pour l'utilisation; remise du jeton émis avec son PIN à l'éventuel utilisateur, le statut du jeton étant désactivé avant la remise dudit jeton; remise séparée du code d'activation correspondant à l'utilisateur en question; présentation du code d'activation et du PIN au moment de la réception à l'aide d'un dispositif d'accès pour l'utilisateur; modification du statut opérationnel du jeton en vue de son activation si le code d'activation présenté est valable.
PCT/IB2001/000305 2000-03-07 2001-03-05 Emission et distribution de jetons WO2001067402A2 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU40953/01A AU4095301A (en) 2000-03-07 2001-03-05 Issuing and distribution of tokens

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
GB0005495A GB0005495D0 (en) 2000-03-07 2000-03-07 Issuing and distribution of tokens
GB0005495.7 2000-03-07

Publications (2)

Publication Number Publication Date
WO2001067402A2 true WO2001067402A2 (fr) 2001-09-13
WO2001067402A3 WO2001067402A3 (fr) 2002-01-31

Family

ID=9887145

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/IB2001/000305 WO2001067402A2 (fr) 2000-03-07 2001-03-05 Emission et distribution de jetons

Country Status (3)

Country Link
AU (1) AU4095301A (fr)
GB (1) GB0005495D0 (fr)
WO (1) WO2001067402A2 (fr)

Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2006050543A1 (fr) * 2004-11-09 2006-05-18 Kapsch Trafficcom Ag Procede et installation d'initialisation propre a l'utilisateur, de dispositifs d'identification sur place
WO2006056826A1 (fr) * 2004-11-23 2006-06-01 The Standard Bank Of South Africa Limited Procede et systeme pour distribuer de maniere securisee un numero d'identification personnel et associer ce numero a un instrument financier
WO2007060202A1 (fr) * 2005-11-23 2007-05-31 Fabian Leroo Methode et systeme pour combattre le vol d'identite
EP2048632A1 (fr) * 2007-10-12 2009-04-15 Compagnie Industrielle et Financiere d'Ingenierie "Ingenico" Procédé de transmission d'un code confidentiel, terminal lecteur de cartes, serveur de gestion et produits programme d'ordinateur correspondants

Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4650975A (en) * 1984-08-30 1987-03-17 Casio Computer Co., Ltd. IC card and an identification system thereof
DE3927270A1 (de) * 1989-08-18 1991-02-28 Deutsche Bundespost Verfahren zum personalisieren von chipkarten
US5014312A (en) * 1988-01-20 1991-05-07 Sgs-Thomson Microelectronics Sa Security system for the protection of programming zones of a chip card
US5684291A (en) * 1995-06-01 1997-11-04 American Express Trs Refundable prepaid telephone card
US5868236A (en) * 1996-11-27 1999-02-09 Darrell G. Rademacher Pin vending dispenser
WO1999033033A2 (fr) * 1997-12-19 1999-07-01 Visa International Service Association Activation d'une carte au niveau d'un point de distribution

Patent Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4650975A (en) * 1984-08-30 1987-03-17 Casio Computer Co., Ltd. IC card and an identification system thereof
US5014312A (en) * 1988-01-20 1991-05-07 Sgs-Thomson Microelectronics Sa Security system for the protection of programming zones of a chip card
DE3927270A1 (de) * 1989-08-18 1991-02-28 Deutsche Bundespost Verfahren zum personalisieren von chipkarten
US5684291A (en) * 1995-06-01 1997-11-04 American Express Trs Refundable prepaid telephone card
US5868236A (en) * 1996-11-27 1999-02-09 Darrell G. Rademacher Pin vending dispenser
WO1999033033A2 (fr) * 1997-12-19 1999-07-01 Visa International Service Association Activation d'une carte au niveau d'un point de distribution

Cited By (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2006050543A1 (fr) * 2004-11-09 2006-05-18 Kapsch Trafficcom Ag Procede et installation d'initialisation propre a l'utilisateur, de dispositifs d'identification sur place
AU2005304254B2 (en) * 2004-11-09 2009-04-30 Kapsch Trafficcom Ag Method and system for the user-specific initialization of identification devices in the field
US9098950B2 (en) 2004-11-09 2015-08-04 Kapsch Trafficcom Ag Method and system for the user-specific initialization of identification devices in the field
WO2006056826A1 (fr) * 2004-11-23 2006-06-01 The Standard Bank Of South Africa Limited Procede et systeme pour distribuer de maniere securisee un numero d'identification personnel et associer ce numero a un instrument financier
WO2007060202A1 (fr) * 2005-11-23 2007-05-31 Fabian Leroo Methode et systeme pour combattre le vol d'identite
EP2048632A1 (fr) * 2007-10-12 2009-04-15 Compagnie Industrielle et Financiere d'Ingenierie "Ingenico" Procédé de transmission d'un code confidentiel, terminal lecteur de cartes, serveur de gestion et produits programme d'ordinateur correspondants
FR2922395A1 (fr) * 2007-10-12 2009-04-17 Ingenico Sa Procede de transmission d'un code confidentiel, terminal lecteur de cartes, serveur de gestion et produits programme d'ordinateur correspondants

Also Published As

Publication number Publication date
WO2001067402A3 (fr) 2002-01-31
GB0005495D0 (en) 2000-04-26
AU4095301A (en) 2001-09-17

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