ZA200406805B - Authentication arrangement and method for use withfinancial transactions. - Google Patents
Authentication arrangement and method for use withfinancial transactions. Download PDFInfo
- Publication number
- ZA200406805B ZA200406805B ZA200406805A ZA200406805A ZA200406805B ZA 200406805 B ZA200406805 B ZA 200406805B ZA 200406805 A ZA200406805 A ZA 200406805A ZA 200406805 A ZA200406805 A ZA 200406805A ZA 200406805 B ZA200406805 B ZA 200406805B
- Authority
- ZA
- South Africa
- Prior art keywords
- message
- merchant
- purchase
- cardholder
- authentication
- Prior art date
Links
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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)
- Theoretical Computer Science (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (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)
- Mobile Radio Communication Systems (AREA)
- Storage Device Security (AREA)
- Telephone Function (AREA)
- Dicing (AREA)
- Particle Formation And Scattering Control In Inkjet Printers (AREA)
- Junction Field-Effect Transistors (AREA)
Applications Claiming Priority (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
GBGB0204620.9A GB0204620D0 (en) | 2002-02-28 | 2002-02-28 | Chip authentication programme |
Publications (1)
Publication Number | Publication Date |
---|---|
ZA200406805B true ZA200406805B (en) | 2005-09-12 |
Family
ID=9931909
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
ZA200406805A ZA200406805B (en) | 2002-02-28 | 2004-08-26 | Authentication arrangement and method for use withfinancial transactions. |
Country Status (12)
Country | Link |
---|---|
US (1) | US10395462B2 (fr) |
EP (4) | EP1479052B1 (fr) |
JP (1) | JP4597529B2 (fr) |
KR (1) | KR20040089682A (fr) |
AT (2) | ATE377226T1 (fr) |
AU (1) | AU2003209860A1 (fr) |
BR (1) | BR0308111A (fr) |
DE (2) | DE60317169T2 (fr) |
GB (1) | GB0204620D0 (fr) |
MX (1) | MXPA04008410A (fr) |
WO (1) | WO2003073389A2 (fr) |
ZA (1) | ZA200406805B (fr) |
Families Citing this family (167)
Publication number | Priority date | Publication date | Assignee | Title |
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KR100805341B1 (ko) * | 1999-06-18 | 2008-02-20 | 이촤지 코포레이션 | 가상 지불 계정을 이용하여 인터네트워크상에서 상품,서비스 및 콘텐츠를 주문하는 방법 및 장치 |
US7889052B2 (en) | 2001-07-10 | 2011-02-15 | Xatra Fund Mx, Llc | Authorizing payment subsequent to RF transactions |
US8429041B2 (en) | 2003-05-09 | 2013-04-23 | American Express Travel Related Services Company, Inc. | Systems and methods for managing account information lifecycles |
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US7627531B2 (en) | 2000-03-07 | 2009-12-01 | American Express Travel Related Services Company, Inc. | System for facilitating a transaction |
US7725427B2 (en) | 2001-05-25 | 2010-05-25 | Fred Bishop | Recurrent billing maintenance with radio frequency payment devices |
US7805378B2 (en) | 2001-07-10 | 2010-09-28 | American Express Travel Related Servicex Company, Inc. | System and method for encoding information in magnetic stripe format for use in radio frequency identification transactions |
US7668750B2 (en) | 2001-07-10 | 2010-02-23 | David S Bonalle | Securing RF transactions using a transactions counter |
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- 2003-02-28 EP EP03742900A patent/EP1479052B1/fr not_active Expired - Lifetime
- 2003-02-28 JP JP2003572002A patent/JP4597529B2/ja not_active Expired - Fee Related
- 2003-02-28 EP EP10184488.4A patent/EP2309465B1/fr not_active Expired - Lifetime
- 2003-02-28 AT AT03742900T patent/ATE377226T1/de not_active IP Right Cessation
- 2003-02-28 KR KR10-2004-7013441A patent/KR20040089682A/ko not_active Application Discontinuation
- 2003-02-28 AU AU2003209860A patent/AU2003209860A1/en not_active Abandoned
- 2003-02-28 EP EP07075833A patent/EP1865471A3/fr not_active Withdrawn
- 2003-02-28 US US10/506,016 patent/US10395462B2/en not_active Expired - Fee Related
- 2003-02-28 AT AT07075654T patent/ATE488823T1/de not_active IP Right Cessation
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- 2003-02-28 WO PCT/BE2003/000036 patent/WO2003073389A2/fr active IP Right Grant
- 2003-02-28 EP EP07075654A patent/EP1850297B1/fr not_active Expired - Lifetime
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ATE377226T1 (de) | 2007-11-15 |
US20050119978A1 (en) | 2005-06-02 |
EP1850297A2 (fr) | 2007-10-31 |
EP2309465B1 (fr) | 2013-09-04 |
JP4597529B2 (ja) | 2010-12-15 |
DE60317169D1 (de) | 2007-12-13 |
BR0308111A (pt) | 2005-01-04 |
EP1479052A2 (fr) | 2004-11-24 |
WO2003073389A3 (fr) | 2003-12-18 |
JP2005519375A (ja) | 2005-06-30 |
WO2003073389A2 (fr) | 2003-09-04 |
EP1479052B1 (fr) | 2007-10-31 |
EP1865471A2 (fr) | 2007-12-12 |
GB0204620D0 (en) | 2002-04-10 |
EP1865471A3 (fr) | 2008-03-05 |
EP1850297A3 (fr) | 2008-03-05 |
EP1850297B1 (fr) | 2010-11-17 |
KR20040089682A (ko) | 2004-10-21 |
EP2309465A1 (fr) | 2011-04-13 |
ATE488823T1 (de) | 2010-12-15 |
MXPA04008410A (es) | 2005-05-17 |
DE60317169T2 (de) | 2008-08-07 |
DE60335049D1 (de) | 2010-12-30 |
AU2003209860A1 (en) | 2003-09-09 |
US10395462B2 (en) | 2019-08-27 |
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