BRPI0411005A - sistemas para a autenticação de uma transação comercial de cliente e método para autenticação remota de um cliente que participa de uma transação comercial eletrÈnica utilizando o dispositivo de acesso de rede - Google Patents

sistemas para a autenticação de uma transação comercial de cliente e método para autenticação remota de um cliente que participa de uma transação comercial eletrÈnica utilizando o dispositivo de acesso de rede

Info

Publication number
BRPI0411005A
BRPI0411005A BRPI0411005-6A BRPI0411005A BRPI0411005A BR PI0411005 A BRPI0411005 A BR PI0411005A BR PI0411005 A BRPI0411005 A BR PI0411005A BR PI0411005 A BRPI0411005 A BR PI0411005A
Authority
BR
Brazil
Prior art keywords
authentication
customer
business transaction
poi
issuer
Prior art date
Application number
BRPI0411005-6A
Other languages
English (en)
Inventor
Bruce Rutherford
Alfred Dagher
Mark Wiesman
Didier Jean-Marie Charles Paie
Jean-Paul Edmond Rans
Fikret Ates
John Wankmueller
Original Assignee
Mastercard International Inc
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 Mastercard International Inc filed Critical Mastercard International Inc
Publication of BRPI0411005A publication Critical patent/BRPI0411005A/pt

Links

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
    • 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
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3827—Use of message hashing
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
    • G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
    • 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
    • G06Q20/04—Payment circuits
    • 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
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3821—Electronic credentials
    • G06Q20/38215—Use of certificates or encrypted proofs of transaction rights
    • 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
    • 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
    • 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

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Computer Security & Cryptography (AREA)
  • Finance (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Computer Hardware Design (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Storage Device Security (AREA)

Abstract

"SISTEMAS PARA A AUTENTICAçãO DE UMA TRANSAçãO COMERCIAL DE CLIENTE E MéTODO PARA AUTENTICAçãO REMOTA DE UM CLIENTE QUE PARTICIPA DE UMA TRANSAçãO COMERCIAL ELETRÈNICA UTILIZANDO O DISPOSITIVO DE ACESSO DE REDE". Trata-se de um Programa de Autenticação de Chip baseado em protocolos Seguros em 3-D, que é proporcionado para autenticar transações comerciais on-line de clientes (180). Um emissor, que pode ser o emissor de um cartão de pagamento, opera o Controle de Acesso e Servidores de Pedido de Autenticação (120 ) para autenticar transações comerciais, por clientes do tipo pessoa física (180), que são identificados por seus cartões inteligentes amigáveis EMV pessoais (170). Uma ficha de autenticação é gerada no ponto de interação (POI) para que cada transação comercial baseada em informações do cartão inteligente do cliente (170) e informações específicas de transação comercial diretamente enviadas pelo emissor ocupe uma página da web no POI. As fichas de Autenticação geradas no POI são avaliadas pelo Servidor de Pedido de Autenticação (120) para autenticar o cliente-indivíduo e/ou a presença de cartão no POI de transação comercial. Os Valores de autenticação são transportados on-line em Campos de Autenticação de Titular de Conta Universais desenhados em consonância com protocolos Seguros em 3-D.
BRPI0411005-6A 2003-06-04 2004-06-04 sistemas para a autenticação de uma transação comercial de cliente e método para autenticação remota de um cliente que participa de uma transação comercial eletrÈnica utilizando o dispositivo de acesso de rede BRPI0411005A (pt)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US47563903P 2003-06-04 2003-06-04
PCT/US2004/017756 WO2005001618A2 (en) 2003-06-04 2004-06-04 Customer authentication in e-commerce transactions

Publications (1)

Publication Number Publication Date
BRPI0411005A true BRPI0411005A (pt) 2006-07-04

Family

ID=33551554

Family Applications (1)

Application Number Title Priority Date Filing Date
BRPI0411005-6A BRPI0411005A (pt) 2003-06-04 2004-06-04 sistemas para a autenticação de uma transação comercial de cliente e método para autenticação remota de um cliente que participa de uma transação comercial eletrÈnica utilizando o dispositivo de acesso de rede

Country Status (10)

Country Link
US (1) US9514458B2 (pt)
EP (1) EP1646976A4 (pt)
JP (1) JP2006527430A (pt)
KR (1) KR20060034228A (pt)
CN (1) CN1853189A (pt)
AU (1) AU2004252824B2 (pt)
BR (1) BRPI0411005A (pt)
CA (1) CA2528451A1 (pt)
MX (1) MXPA05012969A (pt)
WO (1) WO2005001618A2 (pt)

Families Citing this family (116)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7899753B1 (en) 2002-03-25 2011-03-01 Jpmorgan Chase Bank, N.A Systems and methods for time variable financial authentication
US10134202B2 (en) * 2004-11-17 2018-11-20 Paypal, Inc. Automatic address validation
WO2006081525A2 (en) 2005-01-28 2006-08-03 Cardinal Commerce Corporation System and method for conversion between internet and non-internet base transactions
US7533047B2 (en) * 2005-05-03 2009-05-12 International Business Machines Corporation Method and system for securing card payment transactions using a mobile communication device
EP1802155A1 (en) 2005-12-21 2007-06-27 Cronto Limited System and method for dynamic multifactor authentication
GB2435951A (en) * 2006-02-23 2007-09-12 Barclays Bank Plc System for PIN servicing
AT503263A2 (de) * 2006-02-27 2007-09-15 Bdc Edv Consulting Gmbh Vorrichtung zur erstellung digitaler signaturen
US8453925B2 (en) 2006-03-02 2013-06-04 Visa International Service Association Method and system for performing two factor authentication in mail order and telephone order transactions
CN100566254C (zh) * 2007-01-24 2009-12-02 北京飞天诚信科技有限公司 提高智能密钥设备安全性的方法和系统
US10210512B2 (en) * 2007-02-13 2019-02-19 Mastercard International Incorporated Transaction count synchronization in payment system
GB2442249B (en) * 2007-02-20 2008-09-10 Cryptomathic As Authentication device and method
AU2008243004B2 (en) * 2007-04-17 2013-06-27 Visa U.S.A. Inc. Method and system for authenticating a party to a transaction
US8121956B2 (en) * 2007-06-25 2012-02-21 Visa U.S.A. Inc. Cardless challenge systems and methods
US7849014B2 (en) * 2007-08-29 2010-12-07 American Express Travel Related Services Company, Inc. System and method for facilitating a financial transaction with a dynamically generated identifier
GR20070100592A (el) * 2007-09-27 2009-04-30 Νικος Παντελη Τσαγκαρης Συστηματα και μεθοδοι διεκπεραιωσης διαδικτυακων συναλλαγων με διαφανως προσφερομενη ασφαλεια
US9747598B2 (en) 2007-10-02 2017-08-29 Iii Holdings 1, Llc Dynamic security code push
US8794532B2 (en) * 2008-12-29 2014-08-05 Mastercard International Incorporated Methods and apparatus for use in association with identification token
US20090198618A1 (en) * 2008-01-15 2009-08-06 Yuen Wah Eva Chan Device and method for loading managing and using smartcard authentication token and digital certificates in e-commerce
US8255688B2 (en) 2008-01-23 2012-08-28 Mastercard International Incorporated Systems and methods for mutual authentication using one time codes
US9705878B2 (en) 2008-04-04 2017-07-11 International Business Machines Corporation Handling expired passwords
US8160064B2 (en) 2008-10-22 2012-04-17 Backchannelmedia Inc. Systems and methods for providing a network link between broadcast content and content located on a computer network
US9094721B2 (en) 2008-10-22 2015-07-28 Rakuten, Inc. Systems and methods for providing a network link between broadcast content and content located on a computer network
WO2010053899A2 (en) 2008-11-06 2010-05-14 Visa International Service Association Online challenge-response
EP2192540A1 (fr) * 2008-11-28 2010-06-02 Gemalto Canada Inc. Objet portable comportant un afficheur et application à la réalisation de transactions électroniques
CA2751554C (en) 2009-02-05 2015-07-21 Wwpass Corporation Centralized authentication system with safe private data storage and method
US9715681B2 (en) 2009-04-28 2017-07-25 Visa International Service Association Verification of portable consumer devices
US9105027B2 (en) 2009-05-15 2015-08-11 Visa International Service Association Verification of portable consumer device for secure services
US10846683B2 (en) 2009-05-15 2020-11-24 Visa International Service Association Integration of verification tokens with mobile communication devices
WO2011057007A2 (en) * 2009-11-04 2011-05-12 Visa International Service Association Verification of portable consumer devices for 3-d secure services
US8602293B2 (en) 2009-05-15 2013-12-10 Visa International Service Association Integration of verification tokens with portable computing devices
US9038886B2 (en) 2009-05-15 2015-05-26 Visa International Service Association Verification of portable consumer devices
US8534564B2 (en) 2009-05-15 2013-09-17 Ayman Hammad Integration of verification tokens with mobile communication devices
US8893967B2 (en) 2009-05-15 2014-11-25 Visa International Service Association Secure Communication of payment information to merchants using a verification token
US9124566B2 (en) 2009-06-23 2015-09-01 Microsoft Technology Licensing, Llc Browser plug-in for secure credential submission
US20110035294A1 (en) * 2009-08-04 2011-02-10 Authernative, Inc. Multi-tier transaction processing method and payment system in m- and e- commerce
US9084071B2 (en) * 2009-09-10 2015-07-14 Michael-Anthony Lisboa Simple mobile registration mechanism enabling automatic registration via mobile devices
FR2950768A1 (fr) * 2009-09-30 2011-04-01 Xiring Sa Systeme et procede de transaction securisee en ligne
US10454693B2 (en) 2009-09-30 2019-10-22 Visa International Service Association Mobile payment application architecture
US8332325B2 (en) * 2009-11-02 2012-12-11 Visa International Service Association Encryption switch processing
EP2320395A1 (en) * 2009-11-05 2011-05-11 Multos International Pty Ltd. Method for providing data during an application selection process
CN101739771A (zh) * 2009-12-01 2010-06-16 孙伟 一种公交一卡通业务系统及其实现方法
US10255591B2 (en) * 2009-12-18 2019-04-09 Visa International Service Association Payment channel returning limited use proxy dynamic value
WO2011091053A2 (en) 2010-01-19 2011-07-28 Visa International Service Association Token based transaction authentication
US10255601B2 (en) * 2010-02-25 2019-04-09 Visa International Service Association Multifactor authentication using a directory server
CA2823685C (en) 2010-08-12 2017-03-07 Mastercard International, Inc. Multi-commerce channel wallet for authenticated transactions
WO2012037172A1 (en) * 2010-09-13 2012-03-22 Computer Associates Think, Inc. Methods, apparatus and systems for securing user-associated passwords used for identity authentication
US8746553B2 (en) 2010-09-27 2014-06-10 Mastercard International Incorporated Purchase Payment device updates using an authentication process
CN102469091B (zh) * 2010-11-18 2014-12-10 金蝶软件（中国）有限公司 一种页面验证码处理的方法、装置及终端
EP2681701A4 (en) 2011-03-04 2014-08-20 Visa Int Service Ass INTEGRATION OF PAYMENT OPTIONS IN SAFE ITEMS OF COMPUTERS
EP2530868A1 (en) * 2011-05-31 2012-12-05 Gemalto SA Method for generating an anonymous routable unlinkable identification token
SG10201706477YA (en) 2011-07-15 2017-09-28 Mastercard International Inc Methods and systems for payments assurance
DE102011108069A1 (de) * 2011-07-19 2013-01-24 Giesecke & Devrient Gmbh Verfahren zum Absichern einer Transaktion
CN102300182B (zh) * 2011-09-07 2013-08-14 飞天诚信科技股份有限公司 一种基于短信的身份验证方法、系统和装置
EP2754290B1 (en) 2011-09-09 2019-06-19 Rakuten, Inc. Systems and methods for consumer control over interactive television exposure
US10242368B1 (en) * 2011-10-17 2019-03-26 Capital One Services, Llc System and method for providing software-based contactless payment
US9767453B2 (en) 2012-02-23 2017-09-19 XRomb Inc. System and method for processing payment during an electronic commerce transaction
US10282724B2 (en) 2012-03-06 2019-05-07 Visa International Service Association Security system incorporating mobile device
EP2856404A4 (en) * 2012-05-24 2015-12-09 Google Inc SYSTEMS, METHODS, AND COMPUTER PROGRAM PRODUCTS FOR PROVIDING A CONTACTLESS PROTOCOL
US10592978B1 (en) * 2012-06-29 2020-03-17 EMC IP Holding Company LLC Methods and apparatus for risk-based authentication between two servers on behalf of a user
US8856923B1 (en) * 2012-06-29 2014-10-07 Emc Corporation Similarity-based fraud detection in adaptive authentication systems
RU2509359C1 (ru) * 2012-09-26 2014-03-10 Пэйче Лтд. Способ подтверждения платежа
US10304047B2 (en) * 2012-12-07 2019-05-28 Visa International Service Association Token generating component
US9741032B2 (en) * 2012-12-18 2017-08-22 Mcafee, Inc. Security broker
US10504111B2 (en) * 2012-12-21 2019-12-10 Intermec Ip Corp. Secure mobile device transactions
US20150026070A1 (en) * 2013-07-16 2015-01-22 Mastercard International Incorporated Systems and methods for correlating cardholder identity attributes on a payment card network to determine payment card fraud
EP2827291A1 (en) * 2013-07-19 2015-01-21 Gemalto SA Method for securing a validation step of an online transaction
US20150032626A1 (en) 2013-07-24 2015-01-29 Matthew Dill Systems and methods for interoperable network token processing
US11004069B2 (en) * 2013-10-03 2021-05-11 Nxp B.V. Article and method for transaction irregularity detection
US10891610B2 (en) 2013-10-11 2021-01-12 Visa International Service Association Network token system
US9972005B2 (en) 2013-12-19 2018-05-15 Visa International Service Association Cloud-based transactions methods and systems
US9922322B2 (en) 2013-12-19 2018-03-20 Visa International Service Association Cloud-based transactions with magnetic secure transmission
CA2884611C (en) * 2014-03-12 2024-04-16 Scott Lawson Hambleton System and method for authorizing a debit transaction without user authentication
CN103841111B (zh) * 2014-03-17 2017-11-14 北京京东尚科信息技术有限公司 一种防止数据重复提交的方法和服务器
US20150317630A1 (en) * 2014-04-30 2015-11-05 MasterCard Incorporated International Method and system for authentication token generation
AU2015264124B2 (en) 2014-05-21 2019-05-09 Visa International Service Association Offline authentication
US10311434B2 (en) * 2014-05-29 2019-06-04 Paypal, Inc. Systems and methods for reporting compromised card accounts
US11023890B2 (en) 2014-06-05 2021-06-01 Visa International Service Association Identification and verification for provisioning mobile application
EP3175409A4 (en) 2014-07-30 2017-12-27 Visa International Service Association Authentication system with message conversion
US9775029B2 (en) 2014-08-22 2017-09-26 Visa International Service Association Embedding cloud-based functionalities in a communication device
TWI503693B (zh) * 2014-09-04 2015-10-11 Joe Chi Chen 全動態數位電子支付交易身份認證方法
WO2016089993A1 (en) 2014-12-03 2016-06-09 D Alisa Albert Proprietary token-based universal payment processing system
GB2533333A (en) 2014-12-16 2016-06-22 Visa Europe Ltd Transaction authorisation
US10187363B2 (en) 2014-12-31 2019-01-22 Visa International Service Association Hybrid integration of software development kit with secure execution environment
CA2977427A1 (en) 2015-04-10 2016-10-13 Visa International Service Association Browser integration with cryptogram
CN108027853B (zh) * 2015-09-21 2023-05-26 万思伴国际有限公司 多用户强认证令牌
GB2542617B (en) * 2015-09-28 2020-06-24 Touchtech Payments Ltd Transaction authentication platform
US20170103396A1 (en) * 2015-10-13 2017-04-13 Mastercard International Incorporated Adaptable messaging
US9800580B2 (en) 2015-11-16 2017-10-24 Mastercard International Incorporated Systems and methods for authenticating an online user using a secure authorization server
CA3040776A1 (en) * 2015-11-19 2017-05-26 Securter Systems Inc. Coordinator managed payments
EP3179431A1 (en) * 2015-12-11 2017-06-14 Mastercard International Incorporated User authentication for transactions
CN105528699A (zh) * 2015-12-24 2016-04-27 中国银行股份有限公司 一种金融芯片卡的芯片信息验证方法和装置
US10282726B2 (en) * 2016-03-03 2019-05-07 Visa International Service Association Systems and methods for domain restriction with remote authentication
US10607224B2 (en) * 2016-04-04 2020-03-31 Mastercard International Incorporated Systems and methods for secure authentication of transactions initiated at a client device
US20170344989A1 (en) * 2016-05-27 2017-11-30 Mastercard International Incorporated Systems and Methods for Use in Facilitating Interactions Between Merchants and Consumers
KR101806390B1 (ko) * 2016-05-31 2017-12-07 주식회사지니 생체 정보를 이용한 카드 결제 처리 시스템 및 그의 처리 방법
US20180047018A1 (en) * 2016-08-15 2018-02-15 Capital One Services, Llc Browser extension for field detection and automatic population and submission
US12056675B1 (en) * 2016-10-25 2024-08-06 Worldpay, Llc Browser plug-in enabling use of EMV card information
NZ760551A (en) * 2017-05-25 2022-08-26 Rtekk Holdings Ltd Dynamic verification method and system for card transactions
US11080697B2 (en) * 2017-10-05 2021-08-03 Mastercard International Incorporated Systems and methods for use in authenticating users in connection with network transactions
JP6381837B1 (ja) * 2018-01-17 2018-08-29 株式会社Ｃｙｇａｍｅｓ 通信を行うためのシステム、プログラム、方法及びサーバ
US11108811B2 (en) * 2018-01-22 2021-08-31 Avaya Inc. Methods and devices for detecting denial of service attacks in secure interactions
US10581611B1 (en) * 2018-10-02 2020-03-03 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards
WO2020072694A1 (en) 2018-10-02 2020-04-09 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards
CA3062211A1 (en) * 2018-11-26 2020-05-26 Mir Limited Dynamic verification method and system for card transactions
WO2020181161A1 (en) * 2019-03-07 2020-09-10 Mastercard International Incorporated Security for contactless transactions
CN110264212B (zh) * 2019-05-24 2023-09-01 创新先进技术有限公司 一种风控方法、装置、电子设备及存储介质
SE1950814A1 (en) * 2019-06-28 2020-12-29 Assa Abloy Ab Cryptographic signing of a data item
US20210004793A1 (en) * 2019-07-03 2021-01-07 Visa International Service Association Mobile-OTP Based Authorisation of Transactions
EP3809350A1 (en) * 2019-10-18 2021-04-21 Mastercard International Incorporated Enchanced security in sensitive data transfer over a network
EP3809352A1 (en) 2019-10-18 2021-04-21 Mastercard International Incorporated Authentication for secure transactions in a multi-server environment
US20210241266A1 (en) * 2020-01-31 2021-08-05 Mastercard International Incorporated Enhancing 3d secure user authentication for online transactions
BR112022018239A2 (pt) * 2020-03-10 2022-10-25 Duckpond Tech Inc Método para proteger uma transação de cartão de pagamento
US11361315B2 (en) * 2020-05-13 2022-06-14 Capital One Services, Llc Systems and methods for card authorization
US20220138803A1 (en) * 2020-11-02 2022-05-05 Jpmorgan Chase Bank, N.A. Systems and methods for payment product verification and authorization using a customer identifier
US11843702B2 (en) 2020-11-20 2023-12-12 The Toronto-Dominion Bank System and method for secure distribution of resource transfer request data
US11653207B2 (en) * 2021-02-26 2023-05-16 Charter Communications Operating, Llc Automatic authentication of wireless devices

Family Cites Families (23)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5604801A (en) 1995-02-03 1997-02-18 International Business Machines Corporation Public key data communications system under control of a portable security device
FR2733379B1 (fr) 1995-04-20 1997-06-20 Gemplus Card Int Procede de generation de signatures electroniques, notamment pour cartes a puces
JPH0950465A (ja) * 1995-08-04 1997-02-18 Hitachi Ltd 電子ショッピング方法、電子ショッピングシステムおよび文書認証方法
US5859419A (en) * 1995-09-28 1999-01-12 Sol H. Wynn Programmable multiple company credit card system
US5768390A (en) * 1995-10-25 1998-06-16 International Business Machines Corporation Cryptographic system with masking
US6038551A (en) 1996-03-11 2000-03-14 Microsoft Corporation System and method for configuring and managing resources on a multi-purpose integrated circuit card using a personal computer
WO1998040982A1 (en) * 1997-03-12 1998-09-17 Visa International Secure electronic commerce employing integrated circuit cards
US6282522B1 (en) 1997-04-30 2001-08-28 Visa International Service Association Internet payment system using smart card
DE19724901A1 (de) * 1997-06-12 1998-12-17 Siemens Nixdorf Inf Syst Mobilfunktelefon sowie solche mit gekoppeltem Rechner für Internet- bzw. Netzanwendungen und Verfahren zum Betreiben einer solchen Gerätekombination
US6453416B1 (en) 1997-12-19 2002-09-17 Koninklijke Philips Electronics N.V. Secure proxy signing device and method of use
US6173400B1 (en) * 1998-07-31 2001-01-09 Sun Microsystems, Inc. Methods and systems for establishing a shared secret using an authentication token
FR2787273B1 (fr) 1998-12-14 2001-02-16 Sagem Procede de paiement securise
CA2259089C (en) * 1999-01-15 2013-03-12 Robert J. Lambert Method and apparatus for masking cryptographic operations
GB0006668D0 (en) * 2000-03-21 2000-05-10 Ericsson Telefon Ab L M Encrypting and decrypting
EP1139200A3 (en) * 2000-03-23 2002-10-16 Tradecard Inc. Access code generating system including smart card and smart card reader
EP1278143A4 (en) * 2000-04-24 2006-09-06 Neotechkno Corp EXTERNAL DEVICE AND AUTHENTICATION SYSTEM
US7478434B1 (en) * 2000-05-31 2009-01-13 International Business Machines Corporation Authentication and authorization protocol for secure web-based access to a protected resource
AU2001256591A1 (en) * 2000-06-26 2002-01-08 Covadis Sa Computer keyboard unit for carrying out secure transactions in a communications network
GB2374498B (en) * 2001-04-12 2004-02-18 Intercede Ltd Multi-stage authorisation system
US6990471B1 (en) * 2001-08-02 2006-01-24 Oracle International Corp. Method and apparatus for secure electronic commerce
JP3819269B2 (ja) * 2001-08-31 2006-09-06 株式会社損害保険ジャパン 電子カード利用認証システム
US20040019564A1 (en) * 2002-07-26 2004-01-29 Scott Goldthwaite System and method for payment transaction authentication
US20040044739A1 (en) * 2002-09-04 2004-03-04 Robert Ziegler System and methods for processing PIN-authenticated transactions

Also Published As

Publication number Publication date
AU2004252824A1 (en) 2005-01-06
KR20060034228A (ko) 2006-04-21
JP2006527430A (ja) 2006-11-30
US9514458B2 (en) 2016-12-06
US20080154770A1 (en) 2008-06-26
MXPA05012969A (es) 2006-03-17
WO2005001618A2 (en) 2005-01-06
EP1646976A2 (en) 2006-04-19
CN1853189A (zh) 2006-10-25
WO2005001618A3 (en) 2005-03-10
EP1646976A4 (en) 2008-02-27
AU2004252824B2 (en) 2011-03-17
CA2528451A1 (en) 2005-01-06

Similar Documents

Publication Publication Date Title
BRPI0411005A (pt) sistemas para a autenticação de uma transação comercial de cliente e método para autenticação remota de um cliente que participa de uma transação comercial eletrÈnica utilizando o dispositivo de acesso de rede
US8678294B2 (en) Federated ID secure virtual terminal emulation smartcard
WO2003065164A3 (en) System and method for conducting secure payment transaction
DE69829684D1 (de) Chipkarten verwendendes system zum bezahlen und laden im internet
BR0205535A (pt) Sistema seguro de pagamentos on line
EP0924667A3 (en) Distributed payment system for cash-free payment transfers using a purse chip card
ATE433174T1 (de) Zahlungssystem
Garg et al. Developing secured biometric payments model using tokenization
BR102015012253A2 (pt) método de identificação, dispositivo e programa correspondentes
US20220036356A1 (en) Biometric tokenized networks
KR20010106870A (ko) Ｕｓｂ를 내장한 스마트 카드 및 인증 시스템.
AU2022205660B2 (en) Devices, systems, and methods for public/private key authentication
CN106355404B (zh) 一种具有安全漏洞防护机制的借记贷记交易系统及方法
KR20050075117A (ko) 스마트 카드용 애플리케이션(또는 데이터) 운용 방법 및시스템
KR20080093014A (ko) 애플리케이션(또는 데이터) 운용 시스템
KR101025622B1 (ko) 카드단말장치
KR100965140B1 (ko) 지능형 스마트 카드 운용 시스템
JP2005352562A (ja) オフラインクレジット決済システム
Jarupunphol et al. Implementation aspects of SET/EMV
JP2003006547A (ja) Ｉｃカードを利用したインターネット上の個人認証システム
KR20070025873A (ko) 아이씨 카드 관리방법 및 시스템과 이를 위한 기록매체와정보 저장매체
KR20040087537A (ko) 지능형 스마트 카드와 지능형 스마트 카드 운용 방법 및시스템
WATCH Mytec becomes Bioscrypt and looks at healthcare
Preysing et al. Innovative Chip Card Modules
Kabade et al. Security for EMV Card Data in Payment Systems

Legal Events

Date Code Title Description
B08F Application dismissed because of non-payment of annual fees [chapter 8.6 patent gazette]

Free format text: REFERENTE A 9A ANUIDADE.

B08G Application fees: restoration [chapter 8.7 patent gazette]
B07A Application suspended after technical examination (opinion) [chapter 7.1 patent gazette]
B09B Patent application refused [chapter 9.2 patent gazette]

Free format text: INDEFIRO O PEDIDO DE ACORDO COM ART. 8O COMBINADO COM ART. 13 DA LPI

B09B Patent application refused [chapter 9.2 patent gazette]
B15K Others concerning applications: alteration of classification

Free format text: PROCEDIMENTO AUTOMATICO DE RECLASSIFICACAO. A CLASSIFICACAO IPC ANTERIOR ERA G06F 17/60.

Ipc: G06Q 20/38 (2012.01), G06Q 20/04 (2012.01), G06Q 2

Ipc: G06Q 20/38 (2012.01), G06Q 20/04 (2012.01), G06Q 2