BR9810486A - Processo e sistema de pagamento - Google Patents

Processo e sistema de pagamento

Info

Publication number
BR9810486A
BR9810486A BR9810486-1A BR9810486A BR9810486A BR 9810486 A BR9810486 A BR 9810486A BR 9810486 A BR9810486 A BR 9810486A BR 9810486 A BR9810486 A BR 9810486A
Authority
BR
Brazil
Prior art keywords
acquirer
terminal
cryptogram
pin
smart card
Prior art date
Application number
BR9810486-1A
Other languages
English (en)
Inventor
John Charles Viner
David Barrington Everett
Original Assignee
Nat 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 Nat Westminster Bank Plc filed Critical Nat Westminster Bank Plc
Publication of BR9810486A publication Critical patent/BR9810486A/pt

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)
  • Physics & Mathematics (AREA)
  • Accounting & Taxation (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Finance (AREA)
  • Computer Hardware Design (AREA)
  • General Health & Medical Sciences (AREA)
  • Bioethics (AREA)
  • Software Systems (AREA)
  • Health & Medical Sciences (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

Patente de Invenção: <B>"PROCESSO E SISTEMA DE PAGAMENTO"<D>. Um processo e sistema de pagamento que utiliza um cartão inteligente (1) que acessa uma conta remota em um emissor de cartão (20) através de um adquirente (18). O cartão é lido em um terminal (6) que está em comunicação em dois sentidos (17) com o adquirente (18). Como parte do processo de pagamento, um criptograma da transação é feito pelo cartão inteligente e utilizado no terminal (6) como uma chave para criptografar o PIN que entrou pelo portador do cartão para transmissão até o adquirente (18). O adquirente também cria um criptograma utilizando os dados da transação enviados a ele por meio do terminal (6), e utiliza este criptograma (que deveria ser o mesmo que aquele criado pelo cartão inteligente) para decriptografar o PIN criptografado. Desta maneira, o uso de um bloco caro imune à fraude para criptografar PIN no terminal (6) é evitado, embora mantendo a segurança.
BR9810486-1A 1997-06-27 1998-06-26 Processo e sistema de pagamento BR9810486A (pt)

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
BR9810486A true BR9810486A (pt) 2000-09-12

Family

ID=10815113

Family Applications (1)

Application Number Title Priority Date Filing Date
BR9810486-1A BR9810486A (pt) 1997-06-27 1998-06-26 Processo e sistema de pagamento

Country Status (22)

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

Families Citing this family (17)

* 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 (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
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
GB2476065A (en) * 2009-12-09 2011-06-15 Pol Nisenblat A multi-currency cash deposit and exchange method and system
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
CN113222600A (zh) * 2021-05-18 2021-08-06 中国银行股份有限公司 离线支付方法及系统、付款终端及收款终端

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 (nl) * 1995-11-15 1997-05-21 Nederland Ptt Werkwijze voor het afwaarderen van een elektronisch betaalmiddel.

Also Published As

Publication number Publication date
ZA985628B (en) 1999-01-26
BG104041A (en) 2000-05-31
TR199903243T2 (xx) 2000-04-21
IS5307A (is) 1999-12-17
SK176199A3 (en) 2000-07-11
TW411427B (en) 2000-11-11
GB9713743D0 (en) 1997-09-03
JP2002507297A (ja) 2002-03-05
CA2295032A1 (en) 1999-01-07
CN1260894A (zh) 2000-07-19
WO1999000775A1 (en) 1999-01-07
EA200000073A1 (ru) 2000-06-26
PL337533A1 (en) 2000-08-28
MXPA99011836A (es) 2002-04-19
HUP0003227A2 (hu) 2001-02-28
NO996488D0 (no) 1999-12-27
KR20010014257A (ko) 2001-02-26
AU8122598A (en) 1999-01-19
NZ501887A (en) 2001-05-25
EP0992026A1 (en) 2000-04-12
EE9900598A (et) 2000-08-15
NO996488L (no) 2000-02-28

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Legal Events

Date Code Title Description
FA10 Dismissal: dismissal - article 33 of industrial property law
B11Y Definitive dismissal - extension of time limit for request of examination expired [chapter 11.1.1 patent gazette]