AU2000277066A1 - A computerized method and system for a secure on-line transaction using cardholder authentication - Google Patents

A computerized method and system for a secure on-line transaction using cardholder authentication

Info

Publication number
AU2000277066A1
AU2000277066A1 AU2000277066A AU7706600A AU2000277066A1 AU 2000277066 A1 AU2000277066 A1 AU 2000277066A1 AU 2000277066 A AU2000277066 A AU 2000277066A AU 7706600 A AU7706600 A AU 7706600A AU 2000277066 A1 AU2000277066 A1 AU 2000277066A1
Authority
AU
Australia
Prior art keywords
secure
computerized method
line transaction
cardholder authentication
cardholder
Prior art date
Legal status (The legal status 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 status listed.)
Abandoned
Application number
AU2000277066A
Inventor
George Burne
Paddy Byrne
Steven D. Scott
Marilee Thompson
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Trintech Ltd
Original Assignee
Trintech 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 Trintech Ltd filed Critical Trintech Ltd
Publication of AU2000277066A1 publication Critical patent/AU2000277066A1/en
Abandoned legal-status Critical Current

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
    • G06Q20/04—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
    • G06Q20/12—Payment architectures specially adapted for electronic shopping 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/389—Keeping log of transactions for guaranteeing non-repudiation of a transaction
    • 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
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G06Q20/40145—Biometric identity checks
    • 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
    • G06Q20/403—Solvency checks
    • G06Q20/4037—Remote solvency checks
    • 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
AU2000277066A 2000-09-21 2000-09-21 A computerized method and system for a secure on-line transaction using cardholder authentication Abandoned AU2000277066A1 (en)

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/US2000/025852 WO2002025495A1 (en) 2000-09-21 2000-09-21 A computerized method and system for a secure on-line transaction using cardholder authentication

Publications (1)

Publication Number Publication Date
AU2000277066A1 true AU2000277066A1 (en) 2002-04-02

Family

ID=21741792

Family Applications (1)

Application Number Title Priority Date Filing Date
AU2000277066A Abandoned AU2000277066A1 (en) 2000-09-21 2000-09-21 A computerized method and system for a secure on-line transaction using cardholder authentication

Country Status (3)

Country Link
EP (1) EP1334440A1 (en)
AU (1) AU2000277066A1 (en)
WO (1) WO2002025495A1 (en)

Families Citing this family (20)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
DE10227395A1 (en) * 2002-06-13 2003-12-24 Siemens Ag Method and arrangement for determining total price data for an order process based on mobile communications
GB2466676A (en) 2009-01-06 2010-07-07 Visa Europe Ltd A method of processing payment authorisation requests
GB2466810A (en) 2009-01-08 2010-07-14 Visa Europe Ltd Processing payment authorisation requests
US20120136796A1 (en) * 2010-09-21 2012-05-31 Ayman Hammad Device Enrollment System and Method
CA2724297C (en) 2010-12-14 2013-11-12 Xtreme Mobility Inc. System and method for authenticating transactions through a mobile device
US9596237B2 (en) 2010-12-14 2017-03-14 Salt Technology, Inc. System and method for initiating transactions on a mobile device
US8707276B2 (en) 2011-01-07 2014-04-22 Mastercard International Incorporated Method and system for managing programmed applications in an open API environment
US9083534B2 (en) 2011-01-07 2015-07-14 Mastercard International Incorporated Method and system for propagating a client identity
US8671385B2 (en) 2011-01-07 2014-03-11 Mastercard International Incorporated Methods and systems for throttling calls to a service application through an open API
US9032204B2 (en) * 2011-01-07 2015-05-12 Mastercard International Incorporated Methods and systems for providing a signed digital certificate in real time
US8677308B2 (en) 2011-01-07 2014-03-18 Mastercard International Incorporated Method and system for generating an API request message
US11836706B2 (en) 2012-04-16 2023-12-05 Sticky.Io, Inc. Systems and methods for facilitating a transaction using a virtual card on a mobile device
US11017403B2 (en) * 2017-12-15 2021-05-25 Mastercard International Incorporated Systems and methods for identifying fraudulent common point of purchases
BE1026342B9 (en) * 2018-06-04 2020-02-04 Worldline Sa DEVICE AND METHOD FOR SECURE IDENTIFICATION OF A USER
CN109472573B (en) * 2018-11-22 2022-02-15 北京拉近互动传媒科技有限公司 Self-service red packet form payment system and method based on mobile phone app
US11151569B2 (en) 2018-12-28 2021-10-19 Mastercard International Incorporated Systems and methods for improved detection of network fraud events
US10937030B2 (en) 2018-12-28 2021-03-02 Mastercard International Incorporated Systems and methods for early detection of network fraud events
US11157913B2 (en) 2018-12-28 2021-10-26 Mastercard International Incorporated Systems and methods for improved detection of network fraud events
US11521211B2 (en) 2018-12-28 2022-12-06 Mastercard International Incorporated Systems and methods for incorporating breach velocities into fraud scoring models
US20210165786A1 (en) * 2019-10-02 2021-06-03 Infosum Limited Accessing datasets

Family Cites Families (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5943423A (en) * 1995-12-15 1999-08-24 Entegrity Solutions Corporation Smart token system for secure electronic transactions and identification
US6041123A (en) * 1996-07-01 2000-03-21 Allsoft Distributing Incorporated Centralized secure communications system
US5991411A (en) * 1996-10-08 1999-11-23 International Business Machines Corporation Method and means for limiting adverse use of counterfeit credit cards, access badges, electronic accounts or the like
US5996076A (en) * 1997-02-19 1999-11-30 Verifone, Inc. System, method and article of manufacture for secure digital certification of electronic commerce
US6018724A (en) * 1997-06-30 2000-01-25 Sun Micorsystems, Inc. Method and apparatus for authenticating on-line transaction data
US6068184A (en) * 1998-04-27 2000-05-30 Barnett; Donald A. Security card and system for use thereof

Also Published As

Publication number Publication date
WO2002025495A1 (en) 2002-03-28
EP1334440A1 (en) 2003-08-13

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