BR112013005236A2 - método e sistema para realizar pagamentos eletrônicos com cartão de crédito. - Google Patents
método e sistema para realizar pagamentos eletrônicos com cartão de crédito.Info
- Publication number
- BR112013005236A2 BR112013005236A2 BR112013005236A BR112013005236A BR112013005236A2 BR 112013005236 A2 BR112013005236 A2 BR 112013005236A2 BR 112013005236 A BR112013005236 A BR 112013005236A BR 112013005236 A BR112013005236 A BR 112013005236A BR 112013005236 A2 BR112013005236 A2 BR 112013005236A2
- Authority
- BR
- Brazil
- Prior art keywords
- credit card
- buyer
- payments
- merchant
- card payments
- Prior art date
Links
Classifications
-
- 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
- G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
- G06F21/31—User authentication
- G06F21/34—User authentication involving the use of external additional devices, e.g. dongles or smart cards
- G06F21/35—User authentication involving the use of external additional devices, e.g. dongles or smart cards communicating wirelessly
-
- 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
- G06Q20/08—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
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
-
- 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
- G06Q20/403—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
- G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
- G06Q20/425—Confirmation, e.g. check or permission by the legal debtor of payment using two different networks, one for transaction and one for security confirmation
-
- 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
- G07F7/0873—Details of the card reader
- G07F7/088—Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself
-
- 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
- G07F7/1016—Devices or methods for securing the PIN and other transaction-data, e.g. by encryption
-
- 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
- G07F7/1058—PIN is checked locally
- G07F7/1066—PIN data being compared to data on card
-
- 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
- G07F7/1075—PIN is checked remotely
-
- 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
- G07F7/1091—Use of an encrypted form of the PIN
Landscapes
- Engineering & Computer Science (AREA)
- Business, Economics & Management (AREA)
- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
- Accounting & Taxation (AREA)
- Theoretical Computer Science (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- Computer Security & Cryptography (AREA)
- Finance (AREA)
- Computer Networks & Wireless Communication (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Computer Hardware Design (AREA)
- Software Systems (AREA)
- General Engineering & Computer Science (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Management, Administration, Business Operations System, And Electronic Commerce (AREA)
Abstract
método e sistema para realizar pagamentos eletrônicos com cartão de crédito. a presente invenção refere-se a um método para a realização de pagamentos emv autorizados por pin usando um telefone celular comum. o pagamento com cartão de crédito é realizado usando o dispositivo de comerciante que compreende um leitor de cartão (202) e um telefone celular (203), um servidor de pagamento (205) e telefone celular do comprador (208). uma solicitação de entrada de pin é enviada deste o dispositivo do comerciante (203) para o dispositivo do comprador (208) através do servidor de pagamento (205). a aplicação segura no dispositivo do comprador (208) é executada e um código pin pode ser inserido de forma segura. o código pin introduzido é verificado, tanto por meio do servidor de pagamento (205), contra o cartão de crédito no dito dispositivo do comerciante (203) quanto contra um servidfor de banco (207). assim, pagamentos seguros com cartão de crédito podem ser realizados utilizando um simples dispositivo móvel não seguro.
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US201261595867P | 2012-02-07 | 2012-02-07 | |
PCT/EP2012/001114 WO2013087126A1 (en) | 2012-02-07 | 2012-03-13 | Hub and spokes pin verification |
Publications (1)
Publication Number | Publication Date |
---|---|
BR112013005236A2 true BR112013005236A2 (pt) | 2016-05-03 |
Family
ID=48611864
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
BR112013005236A BR112013005236A2 (pt) | 2012-02-07 | 2012-03-13 | método e sistema para realizar pagamentos eletrônicos com cartão de crédito. |
Country Status (13)
Country | Link |
---|---|
US (1) | US8868462B2 (pt) |
EP (1) | EP2622585B1 (pt) |
JP (1) | JP5940176B2 (pt) |
KR (1) | KR101617569B1 (pt) |
CN (1) | CN104145297B (pt) |
AU (1) | AU2012370407B2 (pt) |
BR (1) | BR112013005236A2 (pt) |
DK (1) | DK2622585T5 (pt) |
ES (1) | ES2552048T3 (pt) |
HK (1) | HK1188640A1 (pt) |
IN (1) | IN2014DN06790A (pt) |
MX (1) | MX2013002598A (pt) |
WO (1) | WO2013087126A1 (pt) |
Families Citing this family (33)
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US10515363B2 (en) | 2012-06-12 | 2019-12-24 | Square, Inc. | Software PIN entry |
US10373149B1 (en) * | 2012-11-12 | 2019-08-06 | Square, Inc. | Secure data entry using a card reader with minimal display and input capabilities having a display |
GB2512615A (en) * | 2013-04-03 | 2014-10-08 | Cloudzync Ltd | Secure communications channel |
US20140358794A1 (en) * | 2013-06-04 | 2014-12-04 | Ncr Corporation | Techniques for credit card processing |
US9773240B1 (en) | 2013-09-13 | 2017-09-26 | Square, Inc. | Fake sensor input for passcode entry security |
US9613356B2 (en) | 2013-09-30 | 2017-04-04 | Square, Inc. | Secure passcode entry user interface |
US9928501B1 (en) | 2013-10-09 | 2018-03-27 | Square, Inc. | Secure passcode entry docking station |
US20150134539A1 (en) * | 2013-11-12 | 2015-05-14 | Shashi Kapur | System and method of processing point-of-sale payment transactions via mobile devices |
EP2874421A1 (en) * | 2013-11-13 | 2015-05-20 | Gemalto SA | System and method for securing communications between a card reader device and a remote server |
US9613353B1 (en) | 2013-12-26 | 2017-04-04 | Square, Inc. | Passcode entry through motion sensing |
CN104751202A (zh) * | 2013-12-30 | 2015-07-01 | 鸿富锦精密工业(深圳)有限公司 | 信息投递处理系统 |
EP3101609A4 (en) * | 2014-01-27 | 2017-03-01 | Tong Shao | Dual-channel identity authentication selection device, system and method |
SG2014011308A (en) * | 2014-02-11 | 2015-09-29 | Smart Communications Inc | Authentication system and method |
CN103810591A (zh) * | 2014-02-28 | 2014-05-21 | 国家电网公司 | 一种手机购电方法及其便携式读写卡器 |
US10032168B2 (en) * | 2014-03-07 | 2018-07-24 | Fmr Llc | Secure validation of financial transactions |
SG10201401206TA (en) * | 2014-04-02 | 2015-11-27 | Smart Communications Inc | System and method for facilitating electronic transaction |
FR3020164B1 (fr) * | 2014-04-18 | 2020-10-16 | Compagnie Ind Et Financiere Dingenierie Ingenico | Module d'emulation d'au moins une carte de paiement, procede, dispositif de paiement, produit programme d'ordinateur et medium de stockage correspondants |
FR3023640B1 (fr) * | 2014-07-10 | 2016-08-12 | Roam Data Inc | Procede de gestion d'une transaction, serveur, produit programme d'ordinateur et medium de stockage correspondants. |
US9009468B1 (en) * | 2014-08-26 | 2015-04-14 | MagicCube, Inc. | System for transaction authentication |
US9378502B2 (en) | 2014-09-23 | 2016-06-28 | Sony Corporation | Using biometrics to recover password in customer mobile device |
US9953323B2 (en) | 2014-09-23 | 2018-04-24 | Sony Corporation | Limiting e-card transactions based on lack of proximity to associated CE device |
US10262316B2 (en) | 2014-09-23 | 2019-04-16 | Sony Corporation | Automatic notification of transaction by bank card to customer device |
US9558488B2 (en) | 2014-09-23 | 2017-01-31 | Sony Corporation | Customer's CE device interrogating customer's e-card for transaction information |
US9355424B2 (en) | 2014-09-23 | 2016-05-31 | Sony Corporation | Analyzing hack attempts of E-cards |
US9317847B2 (en) | 2014-09-23 | 2016-04-19 | Sony Corporation | E-card transaction authorization based on geographic location |
US9646307B2 (en) | 2014-09-23 | 2017-05-09 | Sony Corporation | Receiving fingerprints through touch screen of CE device |
US9202212B1 (en) * | 2014-09-23 | 2015-12-01 | Sony Corporation | Using mobile device to monitor for electronic bank card communication |
US9292875B1 (en) | 2014-09-23 | 2016-03-22 | Sony Corporation | Using CE device record of E-card transactions to reconcile bank record |
US9367845B2 (en) | 2014-09-23 | 2016-06-14 | Sony Corporation | Messaging customer mobile device when electronic bank card used |
KR101550825B1 (ko) * | 2015-05-15 | 2015-09-10 | 김현민 | 무선단말을 이용한 카드 결제방법 |
US10366392B2 (en) | 2017-01-12 | 2019-07-30 | Bank Of America Corporation | Marker code generation for resource distribution authority flagging |
WO2018234850A1 (en) * | 2017-06-21 | 2018-12-27 | Hakim Massimo | METHOD AND SYSTEM FOR REALIZING PAYMENTS OR ECONOMIC TRANSACTIONS |
WO2021178773A1 (en) * | 2020-03-05 | 2021-09-10 | Visa International Service Association | User authentication at access control server using mobile device |
Family Cites Families (22)
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US5812668A (en) * | 1996-06-17 | 1998-09-22 | Verifone, Inc. | System, method and article of manufacture for verifying the operation of a remote transaction clearance system utilizing a multichannel, extensible, flexible architecture |
US6098053A (en) * | 1998-01-28 | 2000-08-01 | Citibank, N.A. | System and method for performing an electronic financial transaction |
JP2001306987A (ja) * | 2000-04-25 | 2001-11-02 | Nec Corp | 携帯電話機によるカード利用承認方法、カード決済システム及び装置 |
US20020038287A1 (en) * | 2000-08-30 | 2002-03-28 | Jean-Marc Villaret | EMV card-based identification, authentication, and access control for remote access |
US20020147913A1 (en) | 2001-04-09 | 2002-10-10 | Lun Yip William Wai | Tamper-proof mobile commerce system |
US7143069B2 (en) * | 2001-05-25 | 2006-11-28 | American Express Travel Related Services Co. | System and method for interactive secure dialog between card holder and issuer |
KR100420600B1 (ko) | 2001-11-02 | 2004-03-02 | 에스케이 텔레콤주식회사 | 아이알에프엠을 이용한 이엠브이 지불 처리방법 |
JP2003168063A (ja) * | 2001-11-30 | 2003-06-13 | Hitachi Ltd | カード決済方法における決済承認方法及びシステム |
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JP2003337917A (ja) * | 2002-05-22 | 2003-11-28 | Interpress:Kk | 携帯端末による本人確認システム |
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DE102005005378A1 (de) | 2004-09-14 | 2006-03-30 | Wincor Nixdorf International Gmbh | Vorrichtung zur Eingabe und Übertragung von verschlüsselten Signalen |
EP1752937A1 (en) | 2005-07-29 | 2007-02-14 | Research In Motion Limited | System and method for encrypted smart card PIN entry |
JP2009536494A (ja) * | 2006-05-10 | 2009-10-08 | ワールドワイド ジーピーエムエス リミテッド | 携帯ユニットによってトランザクションを確認するための工程及びシステム |
KR100837828B1 (ko) * | 2006-12-08 | 2008-06-13 | 와이즈와이어즈(주) | 이동통신 단말기를 이용한 결제 방법 및 시스템 |
SE532268C2 (sv) * | 2007-12-04 | 2009-11-24 | Accumulate Ab | Förfarande för säkra transaktioner |
SK288757B6 (sk) * | 2008-09-19 | 2020-05-04 | Smk Kk | Systém a spôsob bezkontaktnej autorizácie pri platbe |
LU91488B1 (en) | 2008-10-17 | 2010-04-19 | Robert Carter | Multifactor Authentication |
US9367834B2 (en) * | 2010-01-22 | 2016-06-14 | Iii Holdings 1, Llc | Systems, methods, and computer products for processing payments using a proxy card |
WO2012003892A1 (en) * | 2010-07-09 | 2012-01-12 | Izettle Hardware Ab | System for secure payment over a wireless communication network |
US8583496B2 (en) * | 2010-12-29 | 2013-11-12 | Boku, Inc. | Systems and methods to process payments via account identifiers and phone numbers |
-
2012
- 2012-03-13 CN CN201280069164.9A patent/CN104145297B/zh active Active
- 2012-03-13 ES ES12716222.0T patent/ES2552048T3/es active Active
- 2012-03-13 DK DK12716222.0T patent/DK2622585T5/en active
- 2012-03-13 BR BR112013005236A patent/BR112013005236A2/pt not_active Application Discontinuation
- 2012-03-13 MX MX2013002598A patent/MX2013002598A/es active IP Right Grant
- 2012-03-13 US US13/882,597 patent/US8868462B2/en active Active
- 2012-03-13 JP JP2014555944A patent/JP5940176B2/ja active Active
- 2012-03-13 EP EP12716222.0A patent/EP2622585B1/en active Active
- 2012-03-13 KR KR1020147024151A patent/KR101617569B1/ko not_active IP Right Cessation
- 2012-03-13 WO PCT/EP2012/001114 patent/WO2013087126A1/en active Application Filing
- 2012-03-13 AU AU2012370407A patent/AU2012370407B2/en active Active
-
2014
- 2014-02-07 HK HK14101165.1A patent/HK1188640A1/xx not_active IP Right Cessation
- 2014-08-12 IN IN6790DEN2014 patent/IN2014DN06790A/en unknown
Also Published As
Publication number | Publication date |
---|---|
MX2013002598A (es) | 2013-11-05 |
CN104145297A (zh) | 2014-11-12 |
US8868462B2 (en) | 2014-10-21 |
WO2013087126A1 (en) | 2013-06-20 |
DK2622585T5 (en) | 2017-01-23 |
KR101617569B1 (ko) | 2016-05-18 |
AU2012370407B2 (en) | 2014-06-12 |
EP2622585B1 (en) | 2015-08-05 |
DK2622585T3 (en) | 2015-11-09 |
AU2012370407A1 (en) | 2013-09-12 |
CN104145297B (zh) | 2016-08-17 |
ES2552048T3 (es) | 2015-11-25 |
IN2014DN06790A (pt) | 2015-05-22 |
KR20140119792A (ko) | 2014-10-10 |
EP2622585A1 (en) | 2013-08-07 |
US20140025579A1 (en) | 2014-01-23 |
JP2015513337A (ja) | 2015-05-07 |
JP5940176B2 (ja) | 2016-06-29 |
HK1188640A1 (en) | 2014-05-09 |
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B06F | Objections, documents and/or translations needed after an examination request according [chapter 6.6 patent gazette] | ||
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B11B | Dismissal acc. art. 36, par 1 of ipl - no reply within 90 days to fullfil the necessary requirements |