DK3279848T3 - Dynamisk sikkerhedskode til en korttransaktion - Google Patents

Dynamisk sikkerhedskode til en korttransaktion Download PDF

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Publication number
DK3279848T3
DK3279848T3 DK16306002.3T DK16306002T DK3279848T3 DK 3279848 T3 DK3279848 T3 DK 3279848T3 DK 16306002 T DK16306002 T DK 16306002T DK 3279848 T3 DK3279848 T3 DK 3279848T3
Authority
DK
Denmark
Prior art keywords
security code
card transaction
dynamic security
dynamic
transaction
Prior art date
Application number
DK16306002.3T
Other languages
English (en)
Inventor
Emmanuelle Dottax
Paul Dischamp
Original Assignee
Idemia France
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 Idemia France filed Critical Idemia France
Application granted granted Critical
Publication of DK3279848T3 publication Critical patent/DK3279848T3/da

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
    • 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3223—Realising banking transactions through M-devices
    • 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
    • G06Q20/382—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
    • G06Q20/4018—Transaction verification using the card verification value [CVV] associated with the card
    • 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
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/326—Payment applications installed on the mobile devices
    • G06Q20/3265—Payment applications installed on the mobile devices characterised by personalisation for use

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (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)
  • Computer Networks & Wireless Communication (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
DK16306002.3T 2016-08-02 2016-08-02 Dynamisk sikkerhedskode til en korttransaktion DK3279848T3 (da)

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
EP16306002.3A EP3279848B1 (en) 2016-08-02 2016-08-02 Dynamic security code for a card transaction

Publications (1)

Publication Number Publication Date
DK3279848T3 true DK3279848T3 (da) 2022-04-04

Family

ID=56618109

Family Applications (1)

Application Number Title Priority Date Filing Date
DK16306002.3T DK3279848T3 (da) 2016-08-02 2016-08-02 Dynamisk sikkerhedskode til en korttransaktion

Country Status (5)

Country Link
US (1) US11526880B2 (da)
EP (1) EP3279848B1 (da)
DK (1) DK3279848T3 (da)
ES (1) ES2912188T3 (da)
WO (1) WO2018024616A1 (da)

Families Citing this family (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN110610569A (zh) * 2019-09-20 2019-12-24 深圳中航信息科技产业股份有限公司 一种智能锁系统及其控制方法
US11961088B2 (en) * 2020-04-21 2024-04-16 Jpmorgan Chase Bank, N.A. System and method for providing temporal card verification value (CVV) for secure online transaction processing

Family Cites Families (16)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7584153B2 (en) * 2004-03-15 2009-09-01 Qsecure, Inc. Financial transactions with dynamic card verification values
WO2007149830A2 (en) * 2006-06-19 2007-12-27 Visa U.S.A. Inc. Portable consumer device configured to generate dynamic authentication data
US8359630B2 (en) * 2007-08-20 2013-01-22 Visa U.S.A. Inc. Method and system for implementing a dynamic verification value
US8577804B1 (en) * 2008-02-20 2013-11-05 Collective Dynamics LLC Method and system for securing payment transactions
US8364594B2 (en) * 2010-03-09 2013-01-29 Visa International Service Association System and method including security parameters used for generation of verification value
US20120153028A1 (en) * 2010-12-15 2012-06-21 Poznansky Amir Transaction Card with dynamic CVV
US8577803B2 (en) * 2011-06-03 2013-11-05 Visa International Service Association Virtual wallet card selection apparatuses, methods and systems
TR201810238T4 (tr) * 2012-08-03 2018-08-27 Onespan Int Gmbh Bir mobil kimlik doğrulama uygulaması kullanarak kullanıcıya uygun kimlik doğrulama yöntemi ve aparatı.
US10572873B2 (en) * 2013-02-15 2020-02-25 Mastercard International Incorporated Method and system for the transmission of authenticated authorization requests
US20160148194A1 (en) * 2013-03-14 2016-05-26 Nagraid Security, Inc. Radio Frequency Powered Smart, Debit and Credit Card System Employing a Light Sensor to Enable Authorized Transactions
US20140279555A1 (en) 2013-03-14 2014-09-18 Nagraid Security, Inc. Dynamically allocated security code system for smart debt and credit cards
US9947001B2 (en) * 2013-03-15 2018-04-17 Mastercard International Incorporated System and method for using multiple payment accounts using a single payment device
EP3843023A1 (en) * 2013-08-15 2021-06-30 Visa International Service Association Secure remote payment transaction processing using a secure element
WO2015038551A1 (en) * 2013-09-10 2015-03-19 Visa International Service Association Mobile payment application provisioning and personalization on a mobile device
US11620654B2 (en) * 2014-12-04 2023-04-04 Mastercard International Incorporated Methods and apparatus for conducting secure magnetic stripe card transactions with a proximity payment device
SG11201705800SA (en) * 2015-02-17 2017-08-30 Visa Int Service Ass Secure authentication of user and mobile device

Also Published As

Publication number Publication date
US20190172058A1 (en) 2019-06-06
US11526880B2 (en) 2022-12-13
ES2912188T3 (es) 2022-05-24
WO2018024616A1 (en) 2018-02-08
EP3279848B1 (en) 2022-03-23
EP3279848A1 (en) 2018-02-07

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