CA2295032A1 - Payment process and system - Google Patents
Payment process and system Download PDFInfo
- Publication number
- CA2295032A1 CA2295032A1 CA002295032A CA2295032A CA2295032A1 CA 2295032 A1 CA2295032 A1 CA 2295032A1 CA 002295032 A CA002295032 A CA 002295032A CA 2295032 A CA2295032 A CA 2295032A CA 2295032 A1 CA2295032 A1 CA 2295032A1
- Authority
- CA
- Canada
- Prior art keywords
- card
- cryptogram
- transaction
- pin
- financial institution
- Prior art date
- Legal status (The legal status 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 status listed.)
- Abandoned
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)
- Accounting & Taxation (AREA)
- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Computer Security & Cryptography (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- Finance (AREA)
- Health & Medical Sciences (AREA)
- Bioethics (AREA)
- General Health & Medical Sciences (AREA)
- Computer Hardware Design (AREA)
- Software Systems (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)
Applications Claiming Priority (3)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| GBGB9713743.4A GB9713743D0 (en) | 1997-06-27 | 1997-06-27 | A cryptographic authentication process |
| GB9713743.4 | 1997-06-27 | ||
| PCT/GB1998/001865 WO1999000775A1 (en) | 1997-06-27 | 1998-06-26 | Payment process and system |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CA2295032A1 true CA2295032A1 (en) | 1999-01-07 |
Family
ID=10815113
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CA002295032A Abandoned CA2295032A1 (en) | 1997-06-27 | 1998-06-26 | Payment process and system |
Country Status (22)
| Country | Link |
|---|---|
| EP (1) | EP0992026A1 (ja) |
| JP (1) | JP2002507297A (ja) |
| KR (1) | KR20010014257A (ja) |
| CN (1) | CN1260894A (ja) |
| AU (1) | AU8122598A (ja) |
| BG (1) | BG104041A (ja) |
| BR (1) | BR9810486A (ja) |
| CA (1) | CA2295032A1 (ja) |
| EA (1) | EA200000073A1 (ja) |
| EE (1) | EE9900598A (ja) |
| GB (1) | GB9713743D0 (ja) |
| HU (1) | HUP0003227A2 (ja) |
| IS (1) | IS5307A (ja) |
| MX (1) | MXPA99011836A (ja) |
| NO (1) | NO996488L (ja) |
| NZ (1) | NZ501887A (ja) |
| PL (1) | PL337533A1 (ja) |
| SK (1) | SK176199A3 (ja) |
| TR (1) | TR199903243T2 (ja) |
| TW (1) | TW411427B (ja) |
| WO (1) | WO1999000775A1 (ja) |
| ZA (1) | ZA985628B (ja) |
Families Citing this family (17)
| 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)
| 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. |
-
1997
- 1997-06-27 GB GBGB9713743.4A patent/GB9713743D0/en active Pending
-
1998
- 1998-06-26 CA CA002295032A patent/CA2295032A1/en not_active Abandoned
- 1998-06-26 NZ NZ501887A patent/NZ501887A/en unknown
- 1998-06-26 CN CN98806376A patent/CN1260894A/zh active Pending
- 1998-06-26 EP EP98930951A patent/EP0992026A1/en not_active Withdrawn
- 1998-06-26 SK SK1761-99A patent/SK176199A3/sk unknown
- 1998-06-26 JP JP50538099A patent/JP2002507297A/ja active Pending
- 1998-06-26 KR KR1019997012365A patent/KR20010014257A/ko not_active Application Discontinuation
- 1998-06-26 EA EA200000073A patent/EA200000073A1/ru unknown
- 1998-06-26 WO PCT/GB1998/001865 patent/WO1999000775A1/en not_active Application Discontinuation
- 1998-06-26 EE EEP199900598A patent/EE9900598A/xx unknown
- 1998-06-26 ZA ZA985628A patent/ZA985628B/xx unknown
- 1998-06-26 PL PL98337533A patent/PL337533A1/xx unknown
- 1998-06-26 AU AU81225/98A patent/AU8122598A/en not_active Abandoned
- 1998-06-26 HU HU0003227A patent/HUP0003227A2/hu unknown
- 1998-06-26 MX MXPA99011836A patent/MXPA99011836A/es unknown
- 1998-06-26 TR TR1999/03243T patent/TR199903243T2/xx unknown
- 1998-06-26 BR BR9810486-1A patent/BR9810486A/pt not_active Application Discontinuation
- 1998-07-08 TW TW087111040A patent/TW411427B/zh active
-
1999
- 1999-12-17 IS IS5307A patent/IS5307A/is unknown
- 1999-12-23 BG BG104041A patent/BG104041A/xx unknown
- 1999-12-27 NO NO996488A patent/NO996488L/no not_active Application Discontinuation
Also Published As
| Publication number | Publication date |
|---|---|
| MXPA99011836A (es) | 2002-04-19 |
| PL337533A1 (en) | 2000-08-28 |
| HUP0003227A2 (hu) | 2001-02-28 |
| SK176199A3 (en) | 2000-07-11 |
| EP0992026A1 (en) | 2000-04-12 |
| NO996488D0 (no) | 1999-12-27 |
| BR9810486A (pt) | 2000-09-12 |
| GB9713743D0 (en) | 1997-09-03 |
| EE9900598A (et) | 2000-08-15 |
| ZA985628B (en) | 1999-01-26 |
| BG104041A (en) | 2000-05-31 |
| TW411427B (en) | 2000-11-11 |
| WO1999000775A1 (en) | 1999-01-07 |
| JP2002507297A (ja) | 2002-03-05 |
| NZ501887A (en) | 2001-05-25 |
| NO996488L (no) | 2000-02-28 |
| TR199903243T2 (xx) | 2000-04-21 |
| KR20010014257A (ko) | 2001-02-26 |
| EA200000073A1 (ru) | 2000-06-26 |
| CN1260894A (zh) | 2000-07-19 |
| IS5307A (is) | 1999-12-17 |
| AU8122598A (en) | 1999-01-19 |
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Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| FZDE | Discontinued |