BR112019002638A8 - Método para um sistema de geração de código de segurança de cartão pré-pago, de débito e de crédito - Google Patents
Método para um sistema de geração de código de segurança de cartão pré-pago, de débito e de créditoInfo
- Publication number
- BR112019002638A8 BR112019002638A8 BR112019002638A BR112019002638A BR112019002638A8 BR 112019002638 A8 BR112019002638 A8 BR 112019002638A8 BR 112019002638 A BR112019002638 A BR 112019002638A BR 112019002638 A BR112019002638 A BR 112019002638A BR 112019002638 A8 BR112019002638 A8 BR 112019002638A8
- Authority
- BR
- Brazil
- Prior art keywords
- dsc
- security code
- card
- prepaid
- debit
- Prior art date
Links
- 238000000034 method Methods 0.000 title abstract 2
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
- G06Q20/409—Device specific authentication in transaction processing
-
- 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
- G06Q20/34—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
- G06Q20/346—Cards serving only as information carrier of service
-
- 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
- G06Q20/355—Personalisation of cards for use
-
- 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
- G06Q20/355—Personalisation of cards for use
- G06Q20/3552—Downloading or loading of personalisation data
-
- 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
- G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
-
- 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
- G06Q20/4018—Transaction verification using the card verification value [CVV] associated with the 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
- G07F7/0806—Details of the card
- G07F7/0846—On-card display means
-
- 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
- G06Q20/352—Contactless payments by cards
Landscapes
- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- Accounting & Taxation (AREA)
- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- Theoretical Computer Science (AREA)
- Computer Networks & Wireless Communication (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Finance (AREA)
- Computer Security & Cryptography (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)
- Storage Device Security (AREA)
Abstract
A presente invenção se refere a um Sistema de Código de Segurança Dinâmico [Dynamic Security Code (DSC)] (Sistema de DSC) (DSC System) compreensivo que pode mudar o código de segurança de um cartão pré-pago, de débito ou de crédito (Cartão de Pagamento) (Payment Card). Em um esforço para frustrar fraude de Cartão-Não-Presente [Card-Not-Present (CNP)], o Sistema de DSC proporciona valores de código de segurança dinâmicos (Valores de DSC) (DSC Values) que possuem uma utilização limitada. Os valores de DSC proporcionados por este Sistema de DSC podem ser calculados por várias metodologias e podem ser utilizados dentro de já existentes infraestruturas de cartão de pagamento padrão. O sistema de DSC pode também ser utilizado com outros fatores de forma e em outros ambientes não relacionados para pagamentos, tais como consultas de saldo. Os valores de DSC podem ser calculados por um Servidor de Gerador de DSC ou sobre o cartão em si mesmo (sobre o próprio cartão).
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US15/231,069 US20180039986A1 (en) | 2016-08-08 | 2016-08-08 | Method for a Prepaid, Debit and Credit Card Security Code Generation System |
PCT/IB2017/054774 WO2018029582A1 (en) | 2016-08-08 | 2017-08-03 | Method for a prepaid, debit and credit card security code generation system |
Publications (2)
Publication Number | Publication Date |
---|---|
BR112019002638A2 BR112019002638A2 (pt) | 2019-05-28 |
BR112019002638A8 true BR112019002638A8 (pt) | 2023-04-25 |
Family
ID=59799432
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
BR112019002638A BR112019002638A8 (pt) | 2016-08-08 | 2017-08-03 | Método para um sistema de geração de código de segurança de cartão pré-pago, de débito e de crédito |
Country Status (13)
Country | Link |
---|---|
US (1) | US20180039986A1 (pt) |
EP (1) | EP3497647A1 (pt) |
KR (1) | KR102416954B1 (pt) |
CN (1) | CN109804397A (pt) |
AU (2) | AU2017309383A1 (pt) |
BR (1) | BR112019002638A8 (pt) |
CA (1) | CA3033326A1 (pt) |
IL (1) | IL304720A (pt) |
MX (1) | MX2019001678A (pt) |
RU (1) | RU2762299C2 (pt) |
SG (1) | SG11201901068WA (pt) |
WO (1) | WO2018029582A1 (pt) |
ZA (1) | ZA201901319B (pt) |
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-
2016
- 2016-08-08 US US15/231,069 patent/US20180039986A1/en not_active Abandoned
-
2017
- 2017-08-03 CN CN201780062224.7A patent/CN109804397A/zh active Pending
- 2017-08-03 CA CA3033326A patent/CA3033326A1/en active Pending
- 2017-08-03 EP EP17762217.2A patent/EP3497647A1/en active Pending
- 2017-08-03 KR KR1020197005906A patent/KR102416954B1/ko active IP Right Grant
- 2017-08-03 AU AU2017309383A patent/AU2017309383A1/en not_active Abandoned
- 2017-08-03 MX MX2019001678A patent/MX2019001678A/es unknown
- 2017-08-03 WO PCT/IB2017/054774 patent/WO2018029582A1/en unknown
- 2017-08-03 RU RU2019106516A patent/RU2762299C2/ru active
- 2017-08-03 BR BR112019002638A patent/BR112019002638A8/pt not_active Application Discontinuation
- 2017-08-03 SG SG11201901068WA patent/SG11201901068WA/en unknown
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2019
- 2019-03-01 ZA ZA2019/01319A patent/ZA201901319B/en unknown
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2023
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- 2023-07-25 IL IL304720A patent/IL304720A/en unknown
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RU2762299C2 (ru) | 2021-12-17 |
ZA201901319B (en) | 2020-08-26 |
AU2017309383A1 (en) | 2019-02-28 |
MX2019001678A (es) | 2019-10-02 |
CN109804397A (zh) | 2019-05-24 |
US20180039986A1 (en) | 2018-02-08 |
KR102416954B1 (ko) | 2022-07-06 |
BR112019002638A2 (pt) | 2019-05-28 |
CA3033326A1 (en) | 2018-02-15 |
AU2023203064A1 (en) | 2023-06-08 |
EP3497647A1 (en) | 2019-06-19 |
RU2019106516A3 (pt) | 2020-10-30 |
SG11201901068WA (en) | 2019-03-28 |
KR20190121749A (ko) | 2019-10-28 |
RU2019106516A (ru) | 2020-09-11 |
IL304720A (en) | 2023-09-01 |
WO2018029582A1 (en) | 2018-02-15 |
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