CA2897145C - Systeme et procede pour fournir un code de securite - Google Patents

Systeme et procede pour fournir un code de securite Download PDF

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Publication number
CA2897145C
CA2897145C CA2897145A CA2897145A CA2897145C CA 2897145 C CA2897145 C CA 2897145C CA 2897145 A CA2897145 A CA 2897145A CA 2897145 A CA2897145 A CA 2897145A CA 2897145 C CA2897145 C CA 2897145C
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CA
Canada
Prior art keywords
wallet
electronic
security code
transaction
card
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.)
Active
Application number
CA2897145A
Other languages
English (en)
Other versions
CA2897145A1 (fr
Inventor
Tushar VAISH
Manoj K. Kannembath
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.)
Blackhawk Network Inc
Original Assignee
Blackhawk Network 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 Blackhawk Network Inc filed Critical Blackhawk Network Inc
Priority to CA3210948A priority Critical patent/CA3210948A1/fr
Publication of CA2897145A1 publication Critical patent/CA2897145A1/fr
Application granted granted Critical
Publication of CA2897145C publication Critical patent/CA2897145C/fr
Active legal-status Critical Current
Anticipated expiration legal-status Critical

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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
    • G06Q20/30—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
    • G06Q20/351—Virtual cards
    • 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
    • G06Q20/4018—Transaction verification using the card verification value [CVV] associated with the card
    • 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
    • G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
    • G06F21/31—User authentication
    • G06F21/34—User authentication involving the use of external additional devices, e.g. dongles or smart cards
    • 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
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • G06Q20/3674—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes involving authentication

Landscapes

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

Abstract

La présente invention concerne des systèmes et des procédés pour fournir un code de sécurité d'une carte porte-monnaie électronique. Un procédé implémenté par ordinateur peut comprendre la réception d'une demande d'un code de sécurité d'une carte porte-monnaie électronique, le calcul du code de sécurité par un fournisseur de code de sécurité, la fourniture d'un code de sécurité calculé de la carte porte-monnaie électronique en réponse à la demande d'un code de sécurité, et l'élimination, à partir de bases de données du fournisseur de code de sécurité, du code de sécurité calculé. Un système de fourniture de code de sécurité de carte porte-monnaie électronique implémenté par ordinateur peut être conçu pour recevoir une demande d'un code de sécurité de la carte porte-monnaie électronique, pour calculer le code de sécurité, pour fournir le code de sécurité calculé en réponse à la demande d'un code de sécurité, et pour éliminer du système le code de sécurité calculé.
CA2897145A 2013-01-03 2014-01-03 Systeme et procede pour fournir un code de securite Active CA2897145C (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CA3210948A CA3210948A1 (fr) 2013-01-03 2014-01-03 Systeme et procede pour fournir un code de securite

Applications Claiming Priority (5)

Application Number Priority Date Filing Date Title
US201361748679P 2013-01-03 2013-01-03
US61/748,679 2013-01-03
US201361799500P 2013-03-15 2013-03-15
US61/799,500 2013-03-15
PCT/US2014/010206 WO2014107594A2 (fr) 2013-01-03 2014-01-03 Système et procédé pour fournir un code de sécurité

Related Child Applications (1)

Application Number Title Priority Date Filing Date
CA3210948A Division CA3210948A1 (fr) 2013-01-03 2014-01-03 Systeme et procede pour fournir un code de securite

Publications (2)

Publication Number Publication Date
CA2897145A1 CA2897145A1 (fr) 2014-07-10
CA2897145C true CA2897145C (fr) 2023-10-17

Family

ID=51062552

Family Applications (2)

Application Number Title Priority Date Filing Date
CA3210948A Pending CA3210948A1 (fr) 2013-01-03 2014-01-03 Systeme et procede pour fournir un code de securite
CA2897145A Active CA2897145C (fr) 2013-01-03 2014-01-03 Systeme et procede pour fournir un code de securite

Family Applications Before (1)

Application Number Title Priority Date Filing Date
CA3210948A Pending CA3210948A1 (fr) 2013-01-03 2014-01-03 Systeme et procede pour fournir un code de securite

Country Status (4)

Country Link
AU (4) AU2014204010A1 (fr)
CA (2) CA3210948A1 (fr)
GB (2) GB2581282A (fr)
WO (1) WO2014107594A2 (fr)

Families Citing this family (13)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20050229003A1 (en) 2004-04-09 2005-10-13 Miles Paschini System and method for distributing personal identification numbers over a computer network
US10205721B2 (en) 2002-12-10 2019-02-12 Ewi Holdings, Inc. System and method for distributing personal identification numbers over a computer network
US7131578B2 (en) 2003-05-28 2006-11-07 Ewi Holdings, Inc. System and method for electronic prepaid account replenishment
US7280644B2 (en) 2004-12-07 2007-10-09 Ewi Holdings, Inc. Transaction processing platform for faciliating electronic distribution of plural prepaid services
US11475436B2 (en) 2010-01-08 2022-10-18 Blackhawk Network, Inc. System and method for providing a security code
US11599873B2 (en) 2010-01-08 2023-03-07 Blackhawk Network, Inc. Systems and methods for proxy card and/or wallet redemption card transactions
US10296895B2 (en) 2010-01-08 2019-05-21 Blackhawk Network, Inc. System for processing, activating and redeeming value added prepaid cards
US10037526B2 (en) 2010-01-08 2018-07-31 Blackhawk Network, Inc. System for payment via electronic wallet
MX2012007926A (es) 2010-01-08 2012-08-03 Blackhawk Network Inc Un sistema para procesar, activar y reembolsar tarjetas prepagadas de valor agregado.
AU2011293250A1 (en) 2010-08-27 2013-03-21 Blackhawk Network, Inc. Prepaid card with savings feature
US11042870B2 (en) 2012-04-04 2021-06-22 Blackhawk Network, Inc. System and method for using intelligent codes to add a stored-value card to an electronic wallet
US10970714B2 (en) 2012-11-20 2021-04-06 Blackhawk Network, Inc. System and method for using intelligent codes in conjunction with stored-value cards
US10977639B2 (en) 2016-01-25 2021-04-13 Freelancer Technology Pty Limited Adaptive gateway switching system

Family Cites Families (10)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
DE4333388A1 (de) * 1993-09-30 1995-04-06 Giesecke & Devrient Gmbh System zur Durchführung von Transaktionen mit einer Multifunktionskarte mit elektronischer Börse
GB2387253B (en) * 2002-04-03 2004-02-18 Swivel Technologies Ltd System and method for secure credit and debit card transactions
WO2009025605A2 (fr) * 2007-08-19 2009-02-26 Yubico Ab Dispositif et procédé pour générer des données de carte de crédit dynamiques
US8095113B2 (en) * 2007-10-17 2012-01-10 First Data Corporation Onetime passwords for smart chip cards
EP2245583A1 (fr) * 2008-01-04 2010-11-03 M2 International Ltd. Valeur de vérification de carte dynamique
US20100293093A1 (en) * 2009-05-13 2010-11-18 Igor Karpenko Alterable Security Value
US20110166992A1 (en) * 2010-01-06 2011-07-07 Firethorn Holdings, Llc System and method for creating and managing a stored value account associated with a client unique identifier
US10068287B2 (en) * 2010-06-11 2018-09-04 David A. Nelsen Systems and methods to manage and control use of a virtual card
WO2012045128A1 (fr) * 2010-10-08 2012-04-12 Ecred Pty Ltd Système et procédé pour effectuer des transactions
WO2012109089A1 (fr) * 2011-02-07 2012-08-16 Firethorn Mobile, Inc. Système et procédé de création et de gestion d'un compte de valeurs mémorisées associé à un identifiant unique de client

Also Published As

Publication number Publication date
GB2581282A (en) 2020-08-12
AU2014204010A1 (en) 2015-07-23
AU2019253898A1 (en) 2019-11-14
AU2024200015A1 (en) 2024-01-25
WO2014107594A2 (fr) 2014-07-10
GB2523972A (en) 2015-09-09
GB202004990D0 (en) 2020-05-20
GB201512611D0 (en) 2015-08-26
GB2523972B (en) 2020-10-07
AU2021261960A1 (en) 2021-12-02
WO2014107594A3 (fr) 2014-09-12
CA2897145A1 (fr) 2014-07-10
CA3210948A1 (fr) 2014-07-10

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