DE10316520A1 - Smart card is inserted into a reader that processes data to generate a transaction number and allows access to a timed cycle - Google Patents
Smart card is inserted into a reader that processes data to generate a transaction number and allows access to a timed cycle Download PDFInfo
- Publication number
- DE10316520A1 DE10316520A1 DE10316520A DE10316520A DE10316520A1 DE 10316520 A1 DE10316520 A1 DE 10316520A1 DE 10316520 A DE10316520 A DE 10316520A DE 10316520 A DE10316520 A DE 10316520A DE 10316520 A1 DE10316520 A1 DE 10316520A1
- Authority
- DE
- Germany
- Prior art keywords
- card
- display
- chip card
- displayed
- processor
- 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.)
- Withdrawn
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
- 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
- G06Q20/385—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
- 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
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07C—TIME OR ATTENDANCE REGISTERS; REGISTERING OR INDICATING THE WORKING OF MACHINES; GENERATING RANDOM NUMBERS; VOTING OR LOTTERY APPARATUS; ARRANGEMENTS, SYSTEMS OR APPARATUS FOR CHECKING NOT PROVIDED FOR ELSEWHERE
- G07C9/00—Individual registration on entry or exit
- G07C9/20—Individual registration on entry or exit involving the use of a pass
- G07C9/21—Individual registration on entry or exit involving the use of a pass having a variable access code
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07C—TIME OR ATTENDANCE REGISTERS; REGISTERING OR INDICATING THE WORKING OF MACHINES; GENERATING RANDOM NUMBERS; VOTING OR LOTTERY APPARATUS; ARRANGEMENTS, SYSTEMS OR APPARATUS FOR CHECKING NOT PROVIDED FOR ELSEWHERE
- G07C9/00—Individual registration on entry or exit
- G07C9/20—Individual registration on entry or exit involving the use of a pass
- G07C9/215—Individual registration on entry or exit involving the use of a pass the system having a variable access-code, e.g. varied as a function of time
Landscapes
- Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Engineering & Computer Science (AREA)
- Physics & Mathematics (AREA)
- Accounting & Taxation (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- Theoretical Computer Science (AREA)
- Finance (AREA)
- Computer Security & Cryptography (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Computer Networks & Wireless Communication (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
Description
Die Erfindung betrifft ein Verfahren und ein Gerät zur Erzeugung von Transaktionsnummern.The The invention relates to a method and an apparatus for generating transaction numbers.
Die für Online-Banking verwendeten Transaktionsnummern (TAN-Nummern) werden von den Kreditinstituten blockweise an die Kunden abgegeben. Da jede Nummer nur einmal benutzt werden kann, muß der Kunde, wenn alle Nummern aufgebraucht sind, erst einen neuen Block anfordern, bevor eine Online-Transaktion vorgenommen werden kann.The for online banking Transaction numbers (TAN numbers) are used by the credit institutions handed over to customers in blocks. Because each number is used only once can be, the Customer, when all numbers are used up, just a new block request before making an online transaction can be made.
Mit dem erfindungsgemäß vorgeschlagenen Verfahren und Gerät können Transaktionsnummern nach Bedarf generiert werden.With the method proposed according to the invention and device can Transaction numbers can be generated as needed.
Gegenstand der Erfindung ist somit ein Verfahren zur Erzeugung von Transaktionsnummern, bei dem eine Chipkarte in ein tragbares Gerät eingeführt wird, das einen Kartenleser, ein Anzeigefeld, wenigstens eine Taste, einen Speicher und einen Prozessor enthält. Das Gerät wird durch das Einführen der Chipkarte in den Kartenleser aktiviert. Der Prozessor wird veranlasst, im Zusammenwirken mit der Chipkarte eine Transaktionsnummer zu generieren und auf dem Anzeigefeld anzuzeigen. Die Chipkarte ist eine von dem Kreditinstitut ausgegebene Bankkarte. Der Prozessor des Geräts führt im Zusammenwirken mit der Bankkarte eine Applikation aus, die in geeigneten, mit den Kreditinstituten abgestimmten Spezifikationen definiert ist. Ein mit dem Gerät und der Bankkarte generierte TAN-Nummer kann daher vom Kreditinstitut auf Gültigkeit überprüft werden.object the invention is thus a method for generating transaction numbers, where a smart card is inserted into a portable device that has a card reader, a display panel, at least one button, one memory and one Processor contains. The device is by introducing the chip card is activated in the card reader. The processor is prompted to generate a transaction number in cooperation with the chip card and display on the display panel. The chip card is one of those Bank card issued by bank. The processor of the device works in conjunction with the Bank card an application made in suitable, with the credit institutions agreed specifications is defined. One with the device and the bank card The TAN number generated can therefore be checked for validity by the bank.
Gegenstand der Erfindung ist ferner ein tragbares Gerät zur Durchführung des Verfahrens, insbesondere ein Gerät Gerät zur Erzeugung von Transaktionsnummern, mit einem Kartenleser für eine Chipkarte, einem Anzeigefeld, wenigstens einer Taste, einem Speicher und einem Prozessor, wobei das Gerät durch das Einführen der Chipkarte in den Kartenleser aktiviert wird und der Prozessor durch Auswahl einer im Anzeigefeld zur Anzeige gebrachten Funktionsoption veranlasst wird, im Zusammenwirken mit der Chipkarte eine Transaktionsnummer zu generieren und in dem Anzeigefeld anzuzeigen.object the invention is also a portable device for performing the Procedure, especially a device Device for Generation of transaction numbers with a card reader for a chip card, a display panel, at least one button, one memory and one Processor, the device being through introducing the chip card is activated in the card reader and the processor by selecting a function option displayed in the display field a transaction number is initiated in cooperation with the chip card to be generated and displayed in the display field.
Besondere Merkmale der Erfindung sind in den Patentansprüchen angegeben. Besonders hervorzuheben ist die Fähigkeit des Geräts, nicht nur neue Transaktionsnummern zu generieren, sondern bei Bedarf auch eine zuvor mit dem Gerät erzeugte Transaktionsnummer auszugeben und anzuzeigen. Ebenfalls hervorzuheben ist die Fähigkeit des Geräts, jeweils eine von mehreren verschiedenen Applikationen auszuführen, die der Benutzer menügeführt auswählen kann.Special Features of the invention are specified in the claims. Of particular note is the ability of the device, not just to generate new transaction numbers, but when required also one previously with the device output and display generated transaction number. Likewise to emphasize is the ability of the device, to execute one of several different applications each the user can select menu-driven.
Die beigefügten Abbildungen zeigen:The attached Pictures show:
Claims (17)
Priority Applications (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
DE10316520A DE10316520A1 (en) | 2003-04-10 | 2003-04-10 | Smart card is inserted into a reader that processes data to generate a transaction number and allows access to a timed cycle |
Applications Claiming Priority (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
DE10316520A DE10316520A1 (en) | 2003-04-10 | 2003-04-10 | Smart card is inserted into a reader that processes data to generate a transaction number and allows access to a timed cycle |
Publications (1)
Publication Number | Publication Date |
---|---|
DE10316520A1 true DE10316520A1 (en) | 2004-10-21 |
Family
ID=33016259
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
DE10316520A Withdrawn DE10316520A1 (en) | 2003-04-10 | 2003-04-10 | Smart card is inserted into a reader that processes data to generate a transaction number and allows access to a timed cycle |
Country Status (1)
Country | Link |
---|---|
DE (1) | DE10316520A1 (en) |
Cited By (2)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
DE102005008255A1 (en) * | 2005-02-23 | 2006-08-24 | Giesecke & Devrient Gmbh | Payment card e.g. cash card for conformation of electronic payment-transaction, has display-control logic controlling display, where onetime passwords are electronically stored in card such that they are displayable successively on display |
US10089621B2 (en) | 2004-04-07 | 2018-10-02 | Giesecke+Devrient Mobile Security Gmbh | Data support with tan-generator and display |
-
2003
- 2003-04-10 DE DE10316520A patent/DE10316520A1/en not_active Withdrawn
Cited By (2)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US10089621B2 (en) | 2004-04-07 | 2018-10-02 | Giesecke+Devrient Mobile Security Gmbh | Data support with tan-generator and display |
DE102005008255A1 (en) * | 2005-02-23 | 2006-08-24 | Giesecke & Devrient Gmbh | Payment card e.g. cash card for conformation of electronic payment-transaction, has display-control logic controlling display, where onetime passwords are electronically stored in card such that they are displayable successively on display |
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Legal Events
Date | Code | Title | Description |
---|---|---|---|
8141 | Disposal/no request for examination |