BG104041A - Метод и система за разплащане - Google Patents
Метод и система за разплащанеInfo
- Publication number
- BG104041A BG104041A BG104041A BG10404199A BG104041A BG 104041 A BG104041 A BG 104041A BG 104041 A BG104041 A BG 104041A BG 10404199 A BG10404199 A BG 10404199A BG 104041 A BG104041 A BG 104041A
- Authority
- BG
- Bulgaria
- Prior art keywords
- terminal
- card
- cryptogram
- pin
- payment
- Prior art date
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
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
- G06F21/60—Protecting data
- G06F21/606—Protecting data by securing the transmission between two devices or processes
-
- 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
- G06Q20/40—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
- G06Q20/4012—Verifying personal identification numbers [PIN]
-
- 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
- G06Q20/4093—Monitoring of device 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
- G06Q20/40—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
Landscapes
- Engineering & Computer Science (AREA)
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Computer Security & Cryptography (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- Finance (AREA)
- Health & Medical Sciences (AREA)
- Bioethics (AREA)
- General Health & Medical Sciences (AREA)
- Computer Hardware Design (AREA)
- Software Systems (AREA)
- General Engineering & Computer Science (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Computer Networks & Wireless Communication (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)
- Credit Cards Or The Like (AREA)
- Management, Administration, Business Operations System, And Electronic Commerce (AREA)
Abstract
Методът и системата използват смарт карта (1), с която се създава възможност за разплащания чрез входен отвор (20) за картата към входно разпознаващоустройство (18). Картата се чете от терминал (6),който е двупосочно свързан (17) с устройството (18). Като част от процеса на разплащане от данните за сделката чрез смарт картата се въвежда криптограма, която се използва от терминала (6) като ключ(код) за закодиране на PIN, въведен от притежателя на картата, за да разреши (задейства) пропусканетокъм устройството (18). Последното от своя страна въвежда криптограма, използвайки подадената му информация от терминала (6), и използва тази криптограма, която трябва да е същата като подадената от смарт картата, за декодиране на закодирания PIN. Потози начин, докато се поддържа защита, се избягваизползването на скъпоструващ, устойчив на фалшификация, PIN номер от терминала (6).
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
GBGB9713743.4A GB9713743D0 (en) | 1997-06-27 | 1997-06-27 | A cryptographic authentication process |
PCT/GB1998/001865 WO1999000775A1 (en) | 1997-06-27 | 1998-06-26 | Payment process and system |
Publications (1)
Publication Number | Publication Date |
---|---|
BG104041A true BG104041A (bg) | 2000-05-31 |
Family
ID=10815113
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
BG104041A BG104041A (bg) | 1997-06-27 | 1999-12-23 | Метод и система за разплащане |
Country Status (22)
Country | Link |
---|---|
EP (1) | EP0992026A1 (bg) |
JP (1) | JP2002507297A (bg) |
KR (1) | KR20010014257A (bg) |
CN (1) | CN1260894A (bg) |
AU (1) | AU8122598A (bg) |
BG (1) | BG104041A (bg) |
BR (1) | BR9810486A (bg) |
CA (1) | CA2295032A1 (bg) |
EA (1) | EA200000073A1 (bg) |
EE (1) | EE9900598A (bg) |
GB (1) | GB9713743D0 (bg) |
HU (1) | HUP0003227A2 (bg) |
IS (1) | IS5307A (bg) |
MX (1) | MXPA99011836A (bg) |
NO (1) | NO996488L (bg) |
NZ (1) | NZ501887A (bg) |
PL (1) | PL337533A1 (bg) |
SK (1) | SK176199A3 (bg) |
TR (1) | TR199903243T2 (bg) |
TW (1) | TW411427B (bg) |
WO (1) | WO1999000775A1 (bg) |
ZA (1) | ZA985628B (bg) |
Families Citing this family (16)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US8108307B1 (en) * | 1998-03-30 | 2012-01-31 | Citicorp Development Center, Inc. | System, method and apparatus for value exchange utilizing value-storing applications |
AUPQ556600A0 (en) * | 2000-02-14 | 2000-03-02 | Ong, Yong Kin (Michael) | Electronic funds transfers-zipfund |
US7103575B1 (en) | 2000-08-31 | 2006-09-05 | International Business Machines Corporation | Enabling use of smart cards by consumer devices for internet commerce |
KR100420600B1 (ko) * | 2001-11-02 | 2004-03-02 | 에스케이 텔레콤주식회사 | 아이알에프엠을 이용한 이엠브이 지불 처리방법 |
GB0305806D0 (en) * | 2003-03-13 | 2003-04-16 | Ecebs Ltd | Smartcard based value transfer |
US8407097B2 (en) | 2004-04-15 | 2013-03-26 | Hand Held Products, Inc. | Proximity transaction apparatus and methods of use thereof |
US8549592B2 (en) | 2005-07-12 | 2013-10-01 | International Business Machines Corporation | Establishing virtual endorsement credentials for dynamically generated endorsement keys in a trusted computing platform |
GB2435951A (en) * | 2006-02-23 | 2007-09-12 | Barclays Bank Plc | System for PIN servicing |
US7873835B2 (en) * | 2006-03-31 | 2011-01-18 | Emc Corporation | Accessing data storage devices |
CN102024288B (zh) * | 2009-09-11 | 2014-02-26 | 中国银联股份有限公司 | 一种使用智能卡进行安全支付的方法和系统 |
GB2476065A (en) * | 2009-12-09 | 2011-06-15 | Pol Nisenblat | A multi-currency cash deposit and exchange method and system |
CN102096968A (zh) * | 2009-12-09 | 2011-06-15 | 中国银联股份有限公司 | 一种代授权业务中pin正确性验证的方法 |
EP2426652A1 (fr) * | 2010-09-06 | 2012-03-07 | Gemalto SA | Procédé simplifié de personnalisation de carte à puce et dispositif associé |
CN102968865B (zh) * | 2012-11-23 | 2016-08-31 | 易联支付有限公司 | 一种移动支付的认证方法及系统 |
US10147087B2 (en) * | 2015-03-06 | 2018-12-04 | Mastercard International Incorporated | Primary account number (PAN) length issuer identifier in payment account number data field of a transaction authorization request message |
CN106991346A (zh) * | 2017-04-18 | 2017-07-28 | 东信和平科技股份有限公司 | 一种智能卡发卡的方法以及装置 |
Family Cites Families (3)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
EP0198384A3 (en) * | 1985-04-09 | 1988-03-23 | Siemens Aktiengesellschaft Berlin Und Munchen | Method and device for enciphering data |
US4965568A (en) * | 1989-03-01 | 1990-10-23 | Atalla Martin M | Multilevel security apparatus and method with personal key |
NL1001659C2 (nl) * | 1995-11-15 | 1997-05-21 | Nederland Ptt | Werkwijze voor het afwaarderen van een elektronisch betaalmiddel. |
-
1997
- 1997-06-27 GB GBGB9713743.4A patent/GB9713743D0/en active Pending
-
1998
- 1998-06-26 KR KR1019997012365A patent/KR20010014257A/ko not_active Application Discontinuation
- 1998-06-26 BR BR9810486-1A patent/BR9810486A/pt not_active Application Discontinuation
- 1998-06-26 EE EEP199900598A patent/EE9900598A/xx unknown
- 1998-06-26 CA CA002295032A patent/CA2295032A1/en not_active Abandoned
- 1998-06-26 EA EA200000073A patent/EA200000073A1/ru unknown
- 1998-06-26 CN CN98806376A patent/CN1260894A/zh active Pending
- 1998-06-26 PL PL98337533A patent/PL337533A1/xx unknown
- 1998-06-26 SK SK1761-99A patent/SK176199A3/sk unknown
- 1998-06-26 ZA ZA985628A patent/ZA985628B/xx unknown
- 1998-06-26 HU HU0003227A patent/HUP0003227A2/hu unknown
- 1998-06-26 MX MXPA99011836A patent/MXPA99011836A/es unknown
- 1998-06-26 AU AU81225/98A patent/AU8122598A/en not_active Abandoned
- 1998-06-26 JP JP50538099A patent/JP2002507297A/ja active Pending
- 1998-06-26 WO PCT/GB1998/001865 patent/WO1999000775A1/en not_active Application Discontinuation
- 1998-06-26 TR TR1999/03243T patent/TR199903243T2/xx unknown
- 1998-06-26 EP EP98930951A patent/EP0992026A1/en not_active Withdrawn
- 1998-06-26 NZ NZ501887A patent/NZ501887A/en unknown
- 1998-07-08 TW TW087111040A patent/TW411427B/zh active
-
1999
- 1999-12-17 IS IS5307A patent/IS5307A/is unknown
- 1999-12-23 BG BG104041A patent/BG104041A/bg unknown
- 1999-12-27 NO NO996488A patent/NO996488L/no not_active Application Discontinuation
Also Published As
Publication number | Publication date |
---|---|
SK176199A3 (en) | 2000-07-11 |
AU8122598A (en) | 1999-01-19 |
KR20010014257A (ko) | 2001-02-26 |
TR199903243T2 (xx) | 2000-04-21 |
PL337533A1 (en) | 2000-08-28 |
ZA985628B (en) | 1999-01-26 |
EP0992026A1 (en) | 2000-04-12 |
CA2295032A1 (en) | 1999-01-07 |
NO996488L (no) | 2000-02-28 |
EA200000073A1 (ru) | 2000-06-26 |
CN1260894A (zh) | 2000-07-19 |
TW411427B (en) | 2000-11-11 |
IS5307A (is) | 1999-12-17 |
NZ501887A (en) | 2001-05-25 |
BR9810486A (pt) | 2000-09-12 |
NO996488D0 (no) | 1999-12-27 |
EE9900598A (et) | 2000-08-15 |
JP2002507297A (ja) | 2002-03-05 |
WO1999000775A1 (en) | 1999-01-07 |
HUP0003227A2 (hu) | 2001-02-28 |
GB9713743D0 (en) | 1997-09-03 |
MXPA99011836A (es) | 2002-04-19 |
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