CA2382696A1 - An improved method and system for conducting secure payments over a computer network - Google Patents

An improved method and system for conducting secure payments over a computer network Download PDF

Info

Publication number
CA2382696A1
CA2382696A1 CA002382696A CA2382696A CA2382696A1 CA 2382696 A1 CA2382696 A1 CA 2382696A1 CA 002382696 A CA002382696 A CA 002382696A CA 2382696 A CA2382696 A CA 2382696A CA 2382696 A1 CA2382696 A1 CA 2382696A1
Authority
CA
Canada
Prior art keywords
account number
spa
pseudo
key
expiration date
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
Application number
CA002382696A
Other languages
English (en)
French (fr)
Inventor
Edward J. Hogan
Carl M. Campbell
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Mastercard International Inc
Original Assignee
Individual
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
Priority claimed from US09/809,367 external-priority patent/US9672515B2/en
Priority claimed from US09/833,049 external-priority patent/US7379919B2/en
Application filed by Individual filed Critical Individual
Publication of CA2382696A1 publication Critical patent/CA2382696A1/en
Abandoned legal-status Critical Current

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
    • 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
    • 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
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/14—Payment architectures specially adapted for billing 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
    • G06Q20/22—Payment schemes or models
    • G06Q20/24—Credit schemes, i.e. "pay after"
    • 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
    • G06Q20/3823—Payment protocols; Details thereof insuring higher security of transaction combining multiple encryption tools for 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
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3825—Use of electronic signatures
    • 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
    • G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
    • 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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • 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
    • G07F7/12—Card verification
    • 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
    • G07F7/12—Card verification
    • G07F7/122—Online card verification

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Security & Cryptography (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
CA002382696A 2000-06-21 2001-06-21 An improved method and system for conducting secure payments over a computer network Abandoned CA2382696A1 (en)

Applications Claiming Priority (9)

Application Number Priority Date Filing Date Title
US21306300P 2000-06-21 2000-06-21
US60/213,063 2000-06-21
US22622700P 2000-08-18 2000-08-18
US60/226,227 2000-08-18
US09/809,367 US9672515B2 (en) 2000-03-15 2001-03-15 Method and system for secure payments over a computer network
US09/809,367 2001-03-15
US09/833,049 2001-04-11
US09/833,049 US7379919B2 (en) 2000-04-11 2001-04-11 Method and system for conducting secure payments over a computer network
PCT/US2001/019753 WO2001099070A2 (en) 2000-06-21 2001-06-21 An improved method and system for conducting secure payments over a computer network

Publications (1)

Publication Number Publication Date
CA2382696A1 true CA2382696A1 (en) 2001-12-27

Family

ID=27498921

Family Applications (1)

Application Number Title Priority Date Filing Date
CA002382696A Abandoned CA2382696A1 (en) 2000-06-21 2001-06-21 An improved method and system for conducting secure payments over a computer network

Country Status (5)

Country Link
EP (1) EP1320839A2 (ja)
JP (1) JP5093957B2 (ja)
AU (1) AU781671B2 (ja)
CA (1) CA2382696A1 (ja)
WO (1) WO2001099070A2 (ja)

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20190385160A1 (en) * 2018-06-19 2019-12-19 Mastercard International Incorporated System and process for on-the-fly cardholder verification method selection

Families Citing this family (12)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
ATE455337T1 (de) 2002-01-31 2010-01-15 Servicios Para Medios De Pago Reversibles verfahren zur erzeugung mutierter bezahlungskarten unter verwendung eines mathematischen algorithmus
EP1783708A1 (de) * 2005-10-06 2007-05-09 First Data Corporation Transaktionsverfahren und -system
BRPI0716738A2 (pt) * 2006-09-15 2013-09-17 Visa Int Service Ass mÉtodo e sistema para prover um ou mais serviÇos de cartço de transaÇço a um detentor de um cartço de transaÇço
FR2914763B1 (fr) * 2007-04-06 2013-02-15 Grp Des Cartes Bancaires Cryptogramme dynamique
EP2026267A1 (en) 2007-07-31 2009-02-18 Nederlandse Organisatie voor toegepast- natuurwetenschappelijk onderzoek TNO Issuing electronic vouchers
US8181861B2 (en) 2008-10-13 2012-05-22 Miri Systems, Llc Electronic transaction security system and method
MX2011008925A (es) * 2009-02-25 2012-04-02 Miri Systems Llc Sistema y metodo de pago.
BR112012007872B1 (pt) 2009-10-05 2021-06-22 Miri Systems, Llc Método para proporcionar acesso a uma conta mantida por uma instituição, método para fornecer credenciais de login a um terminal de transação envolvendo um dispositivo móvel e método para proporcionar acesso a uma conta de um usuário identificado por identificador único
US8762284B2 (en) * 2010-12-16 2014-06-24 Democracyontheweb, Llc Systems and methods for facilitating secure transactions
AU2016412653B2 (en) * 2016-07-01 2021-01-21 American Express Travel Related Services Company, Inc. Systems and methods for validating transmissions over communication channels
KR102184807B1 (ko) * 2018-05-23 2020-11-30 신한카드 주식회사 Ars 기반의 사용자 인증을 처리하는 결제 장치 및 방법
EP3767569A1 (en) * 2019-07-18 2021-01-20 Mastercard International Incorporated An electronic transaction method and device using a flexible transaction identifier

Family Cites Families (14)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2708083B2 (ja) * 1991-12-27 1998-02-04 国際電信電話株式会社 クレジットカード課金簡易ダイヤル操作サービス装置
EP1235177A3 (en) * 1993-12-16 2003-10-08 divine technology ventures Digital active advertising
JPH07231367A (ja) * 1994-02-17 1995-08-29 Fujitsu Ltd パーソナル通信用クレジットカード課金サービス装置
US5826245A (en) * 1995-03-20 1998-10-20 Sandberg-Diment; Erik Providing verification information for a transaction
NL1001863C2 (nl) * 1995-12-08 1997-06-10 Nederland Ptt Werkwijze voor het beveiligd afwaarderen van een elektronisch betaalmid- del, alsmede betaalmiddel voor het ten uitvoer leggen van de werkwijze.
US5913203A (en) * 1996-10-03 1999-06-15 Jaesent Inc. System and method for pseudo cash transactions
US5953710A (en) * 1996-10-09 1999-09-14 Fleming; Stephen S. Children's credit or debit card system
JPH1139401A (ja) * 1997-07-16 1999-02-12 Nippon Shinpan Kk クレジットカードシステムおよびネットワークにおけるクレジットカードの利用方法
US5883810A (en) * 1997-09-24 1999-03-16 Microsoft Corporation Electronic online commerce card with transactionproxy number for online transactions
US6000832A (en) * 1997-09-24 1999-12-14 Microsoft Corporation Electronic online commerce card with customer generated transaction proxy number for online transactions
GB2345775A (en) * 1998-10-21 2000-07-19 Ordertrust Llc Analyzing transaction information
US6327578B1 (en) * 1998-12-29 2001-12-04 International Business Machines Corporation Four-party credit/debit payment protocol
EP1028401A3 (en) * 1999-02-12 2003-06-25 Citibank, N.A. Method and system for performing a bankcard transaction
US6847953B2 (en) * 2000-02-04 2005-01-25 Kuo James Shaw-Han Process and method for secure online transactions with calculated risk and against fraud

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20190385160A1 (en) * 2018-06-19 2019-12-19 Mastercard International Incorporated System and process for on-the-fly cardholder verification method selection

Also Published As

Publication number Publication date
WO2001099070A3 (en) 2003-01-16
AU781671B2 (en) 2005-06-02
EP1320839A2 (en) 2003-06-25
JP2003536180A (ja) 2003-12-02
AU7001101A (en) 2002-01-02
JP5093957B2 (ja) 2012-12-12
WO2001099070A2 (en) 2001-12-27

Similar Documents

Publication Publication Date Title
US6990470B2 (en) Method and system for conducting secure payments over a computer network
US7177848B2 (en) Method and system for conducting secure payments over a computer network without a pseudo or proxy account number
US6915279B2 (en) System and method for conducting secure payment transactions
US7983987B2 (en) System and method for conducting secure payment transaction
US7379919B2 (en) Method and system for conducting secure payments over a computer network
EP1272988B1 (en) An improved method and system for conducting secure payments over a computer network
AU781671B2 (en) An improved method and system for conducting secure payments over a computer network
AU2001257019A1 (en) An improved method and system for conducting secure payments over a computer network
JP4903346B2 (ja) 擬似或いは代理口座番号なしでコンピュータネットワークを越えて安全な支払いを処理するための改善された方法およびシステム
AU2002254513B8 (en) System and method for conducting secure payment transactions
AU2001270012A1 (en) An improved method and system for conducting secure payments over a computer network without a pseudo or proxy account number
AU2002254513A1 (en) System and method for conducting secure payment transactions
ZA200201382B (en) An improved method and system for conducting secure payments over a computer network.
AU2007216920B2 (en) An improved method and system for conducting secure payments over a computer network
AU2012201255B2 (en) An improved method and system for conducting secure payments over a computer network
EP1921579A2 (en) An improved method and system for conducting secure payments over a computer network
ZA200300114B (en) An improved method and system for conducting secure payments over a computer network without a pseudo or proxy account number.
ZA200307558B (en) System and method for conducting secure payment transactions.
ZA200208248B (en) An improved method and system for conducting secure payments over a computer network.

Legal Events

Date Code Title Description
FZDE Discontinued