CA2413882A1 - Procede et systeme ameliores permettant d'effectuer des paiements securises sur un reseau informatique sans l'aide d'un numero de compte faux ou de substitution - Google Patents

Procede et systeme ameliores permettant d'effectuer des paiements securises sur un reseau informatique sans l'aide d'un numero de compte faux ou de substitution Download PDF

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Publication number
CA2413882A1
CA2413882A1 CA002413882A CA2413882A CA2413882A1 CA 2413882 A1 CA2413882 A1 CA 2413882A1 CA 002413882 A CA002413882 A CA 002413882A CA 2413882 A CA2413882 A CA 2413882A CA 2413882 A1 CA2413882 A1 CA 2413882A1
Authority
CA
Canada
Prior art keywords
mac
transaction
account number
authentication code
message authentication
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
CA002413882A
Other languages
English (en)
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 CA2413882A1 publication Critical patent/CA2413882A1/fr
Abandoned legal-status Critical Current

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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • 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
    • G06Q20/40—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
    • G06Q20/4014—Identity check for transactions
    • 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
    • G06Q20/403—Solvency checks

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (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)

Abstract

La présente invention concerne un procédé qui permet d'effectuer une transaction électronique avec un numéro de compte sur lequel existent des fonds disponibles, au moyen d'un réseau de paiement et d'un <= site de vérification >=. le procédé comprend les étapessuivantes: (a) la génération d'une clé privée associée au numéro de compte pour le paiement; (b) l'utilisation de la clé privée pour générer un code d'authentification de message ("CAM") spécifique à la transaction; (c) la génération d'un message de demande d'autorisation comprenant le code d'authentification de message; (d) la transmission du message de demande d'autorisation sur le réseau de paiement au site de vérification pour vérifier l'authenticité du CAM; (e) la vérification du code d'authentification de message par le site de vérification au moyen de la clé privée; (f) la réponse au message de demande d'autorisation sur le réseau de paiement en fonction des fonds disponibles et du montant de la transaction.
CA002413882A 2000-06-22 2001-06-21 Procede et systeme ameliores permettant d'effectuer des paiements securises sur un reseau informatique sans l'aide d'un numero de compte faux ou de substitution Abandoned CA2413882A1 (fr)

Applications Claiming Priority (9)

Application Number Priority Date Filing Date Title
US21332500P 2000-06-22 2000-06-22
US60/213,325 2000-06-22
US22516800P 2000-08-14 2000-08-14
US60/225,168 2000-08-14
US09/809,367 2001-03-15
US09/809,367 US9672515B2 (en) 2000-03-15 2001-03-15 Method and system for secure payments over a computer network
US09/833,049 US7379919B2 (en) 2000-04-11 2001-04-11 Method and system for conducting secure payments over a computer network
US09/833,049 2001-04-11
PCT/US2001/019754 WO2001099071A2 (fr) 2000-06-22 2001-06-21 Procede et systeme ameliores permettant d'effectuer des paiements securises sur un reseau informatique sans l'aide d'un numero de compte faux ou de substitution

Publications (1)

Publication Number Publication Date
CA2413882A1 true CA2413882A1 (fr) 2001-12-27

Family

ID=27498926

Family Applications (1)

Application Number Title Priority Date Filing Date
CA002413882A Abandoned CA2413882A1 (fr) 2000-06-22 2001-06-21 Procede et systeme ameliores permettant d'effectuer des paiements securises sur un reseau informatique sans l'aide d'un numero de compte faux ou de substitution

Country Status (5)

Country Link
EP (1) EP1295267A2 (fr)
JP (1) JP4903346B2 (fr)
AU (2) AU7001201A (fr)
CA (1) CA2413882A1 (fr)
WO (1) WO2001099071A2 (fr)

Families Citing this family (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6732270B1 (en) * 2000-10-23 2004-05-04 Motorola, Inc. Method to authenticate a network access server to an authentication server
US8650103B2 (en) 2001-10-17 2014-02-11 Ebay, Inc. Verification of a person identifier received online
KR101100385B1 (ko) * 2004-03-22 2011-12-30 삼성전자주식회사 인증서 폐지 목록을 이용한 디지털 저작권 관리 방법 및장치
DE102009024984A1 (de) * 2009-06-16 2010-12-23 Giesecke & Devrient Gmbh Verfahren zur Durchführung einer elektronischen Transaktion, insbesondere einer elektronischen Banktransaktion
CA2876744A1 (fr) * 2012-06-15 2013-12-19 Edatanetworks Inc. Systemes et procedes d'incitation de consommateurs

Family Cites Families (13)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
GB2168514A (en) * 1984-12-12 1986-06-18 Ibm Security module
JPH01243175A (ja) * 1988-03-24 1989-09-27 Nippon Ginkou 電子決済システムの決済確認方法
JP3367675B2 (ja) * 1993-12-16 2003-01-14 オープン マーケット インコーポレイテッド オープンネットワーク販売システム及び取引トランザクションのリアルタイムでの承認を行う方法
GB9416595D0 (en) * 1994-08-17 1994-10-12 British Telecomm User authentication in a communications network
JP3599493B2 (ja) * 1996-09-10 2004-12-08 日本銀行 発行機関分離型番号登録式電子現金方法および利用者装置
JP2000502551A (ja) * 1996-10-23 2000-02-29 コーニンクレッカ フィリップス エレクトロニクス エヌ ヴィ 移動通信サービスの料金支払方式
JP3435682B2 (ja) * 1997-08-15 2003-08-11 日本電信電話株式会社 電子現金預け入れ方法、その装置およびプログラム記録媒体
US6000832A (en) * 1997-09-24 1999-12-14 Microsoft Corporation Electronic online commerce card with customer generated transaction proxy number for online transactions
US5883810A (en) 1997-09-24 1999-03-16 Microsoft Corporation Electronic online commerce card with transactionproxy number for online transactions
US6102287A (en) * 1998-05-15 2000-08-15 International Business Machines Corporation Method and apparatus for providing product survey information in an electronic payment system
GB2338381A (en) * 1998-06-10 1999-12-15 Barclays Bank Plc Cryptographic authentication for internet using two servers
EP1028401A3 (fr) * 1999-02-12 2003-06-25 Citibank, N.A. Méthode et système pour exécuter une transaction avec cartes bancaires
CA2403283A1 (fr) * 2000-03-15 2001-09-20 Edward J. Hogan Procede et systeme permettant d'effectuer des paiements securises sur un reseau informatique

Also Published As

Publication number Publication date
WO2001099071A3 (fr) 2002-05-30
JP4903346B2 (ja) 2012-03-28
AU2001270012B8 (en) 2006-11-16
EP1295267A2 (fr) 2003-03-26
AU2001270012B2 (en) 2006-09-28
AU7001201A (en) 2002-01-02
JP2003536181A (ja) 2003-12-02
WO2001099071A2 (fr) 2001-12-27

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Legal Events

Date Code Title Description
FZDE Discontinued