BG104041A - Method and system of payment - Google Patents

Method and system of payment

Info

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
Application number
BG104041A
Other languages
Bulgarian (bg)
Inventor
John Viner
David Everett
Original Assignee
National Westminster Bank Plc
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 National Westminster Bank Plc filed Critical National Westminster Bank Plc
Publication of BG104041A publication Critical patent/BG104041A/en

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

Abstract

The method and the system use a smart card (1) which enables payments by an inlet hole (20) for the card to an input identification device (18). The card is read by terminal (6) which is two-way connected (17) by device (18). As part of the process of payment a cryptogram is entered from the transaction data which is used by terminal (6) as a key (code) for encoding of PIN, introduced by the card owner in order to allow (actuate) the admission to device (18). The latter, on its side, introduces a cryptogram making use of the supplied information from terminal (6) and uses this cryptogram, which should be the same as the one fed by the smart card, for decoding the encoded PIN. In this way whilst protection is maintained, the use of an expensive and resitant to faking PIN number from terminal (6) is avoided. 13 claims, 3 figures
BG104041A 1997-06-27 1999-12-23 Method and system of payment BG104041A (en)

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 (en) 2000-05-31

Family

ID=10815113

Family Applications (1)

Application Number Title Priority Date Filing Date
BG104041A BG104041A (en) 1997-06-27 1999-12-23 Method and system of payment

Country Status (22)

Country Link
EP (1) EP0992026A1 (en)
JP (1) JP2002507297A (en)
KR (1) KR20010014257A (en)
CN (1) CN1260894A (en)
AU (1) AU8122598A (en)
BG (1) BG104041A (en)
BR (1) BR9810486A (en)
CA (1) CA2295032A1 (en)
EA (1) EA200000073A1 (en)
EE (1) EE9900598A (en)
GB (1) GB9713743D0 (en)
HU (1) HUP0003227A2 (en)
IS (1) IS5307A (en)
MX (1) MXPA99011836A (en)
NO (1) NO996488L (en)
NZ (1) NZ501887A (en)
PL (1) PL337533A1 (en)
SK (1) SK176199A3 (en)
TR (1) TR199903243T2 (en)
TW (1) TW411427B (en)
WO (1) WO1999000775A1 (en)
ZA (1) ZA985628B (en)

Families Citing this family (16)

* Cited by examiner, † Cited by third party
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 (en) * 2001-11-02 2004-03-02 에스케이 텔레콤주식회사 METHOD FOR PROCESSING EMV PAYMENT BY USING IrFM
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 (en) * 2009-09-11 2014-02-26 中国银联股份有限公司 Safe payment method and system using smart card
GB2476065A (en) * 2009-12-09 2011-06-15 Pol Nisenblat A multi-currency cash deposit and exchange method and system
CN102096968A (en) * 2009-12-09 2011-06-15 中国银联股份有限公司 Method for verifying accuracy of PIN (Personal Identification Number) in agent authorization service
EP2426652A1 (en) * 2010-09-06 2012-03-07 Gemalto SA Simplified method for customising a smart card and associated device
CN102968865B (en) * 2012-11-23 2016-08-31 易联支付有限公司 The authentication method of a kind of mobile payment and system
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 (en) * 2017-04-18 2017-07-28 东信和平科技股份有限公司 The method and device of a kind of smart card issuing

Family Cites Families (3)

* Cited by examiner, † Cited by third party
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 (en) * 1995-11-15 1997-05-21 Nederland Ptt Method for writing down an electronic payment method.

Also Published As

Publication number Publication date
MXPA99011836A (en) 2002-04-19
NO996488D0 (en) 1999-12-27
KR20010014257A (en) 2001-02-26
CN1260894A (en) 2000-07-19
NZ501887A (en) 2001-05-25
CA2295032A1 (en) 1999-01-07
ZA985628B (en) 1999-01-26
EA200000073A1 (en) 2000-06-26
BR9810486A (en) 2000-09-12
PL337533A1 (en) 2000-08-28
EP0992026A1 (en) 2000-04-12
EE9900598A (en) 2000-08-15
HUP0003227A2 (en) 2001-02-28
WO1999000775A1 (en) 1999-01-07
TR199903243T2 (en) 2000-04-21
SK176199A3 (en) 2000-07-11
GB9713743D0 (en) 1997-09-03
AU8122598A (en) 1999-01-19
JP2002507297A (en) 2002-03-05
NO996488L (en) 2000-02-28
IS5307A (en) 1999-12-17
TW411427B (en) 2000-11-11

Similar Documents

Publication Publication Date Title
BG104041A (en) Method and system of payment
CZ175898A3 (en) Method of protected execution of a transaction by making use of electronic payment means
TW346722B (en) Contactless IC card system and communication method thereof
WO2003046685A3 (en) Method and system for authorizing use of a transaction card
EP0911772A3 (en) A method and system for off-line loading of stored value cards using a batch-load terminal
MXPA04000253A (en) System and method for payment using radio frequency identification in contact and contactless transactions.
FR2860670B1 (en) METHOD OF SECURING TRANSACTION FROM CARDS HAVING UNIQUE AND INREPRODUCIBLE IDENTIFIERS
ATE181437T1 (en) READING INFORMATION FROM AN IC CARD
WO2002067172A8 (en) System for effecting orders for payment with identification by means of card data and fingerprint
US5969332A (en) System for issuing and utilizing ticket
AU687622B2 (en) Method and arrangement for providing selective access to a security system
GB2377806A (en) Secure electronic commerce system
US6039247A (en) Secure, stored-value systems and methods of transferring monetary values in one or more transactions to a specific receiving device
EP0798671A3 (en) Off-line data terminal with virtual on-line capabilities
FR2441222A1 (en) Credit verification method for cheque payer - is provided by cheque reader connected to central banking computer by telephone line, and generates light signals
CA2533404A1 (en) System and method for converting information received from a rfid signal into a magnetic stripe track format
WO2002001325A8 (en) Communication method and device
GB2334362A (en) Improvements in or relating to credit cards
JPS6437664A (en) Transaction checking system
JPS6459487A (en) Ticket processing terminal
MY112190A (en) Multibroadcast receiver and multibroadcast receiving system
UA15828C2 (en) System for performing payments and services by means of electronic card