EA199800539A1 - Способ защищенного дебетования электронного платежного средства - Google Patents

Способ защищенного дебетования электронного платежного средства

Info

Publication number
EA199800539A1
EA199800539A1 EA199800539A EA199800539A EA199800539A1 EA 199800539 A1 EA199800539 A1 EA 199800539A1 EA 199800539 A EA199800539 A EA 199800539A EA 199800539 A EA199800539 A EA 199800539A EA 199800539 A1 EA199800539 A1 EA 199800539A1
Authority
EA
Eurasian Patent Office
Prior art keywords
protected
debiting
smart card
electronic payment
payment means
Prior art date
Application number
EA199800539A
Other languages
English (en)
Other versions
EA000730B1 (ru
Inventor
Йелле Виссенбург
Йоханнес Брехлер
Франк Мюллер
Мартин Клаас Де Ланге
Альбертус Фейкен
Хендрикус Йоханнес Вильхельмус Мария Ван Де Паверт
Original Assignee
Конинклейке Птт Недерланд Н.В.
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 Конинклейке Птт Недерланд Н.В. filed Critical Конинклейке Птт Недерланд Н.В.
Publication of EA199800539A1 publication Critical patent/EA199800539A1/ru
Publication of EA000730B1 publication Critical patent/EA000730B1/ru

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
    • G06Q20/08—Payment architectures
    • G06Q20/085—Payment architectures involving remote charge determination or related payment 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
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking 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
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/105—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems involving programming of a portable memory device, e.g. IC cards, "electronic purses"
    • 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
    • G06Q20/20—Point-of-sale [POS] network 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
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G06Q20/204—Point-of-sale [POS] network systems comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
    • 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
    • G06Q20/30—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
    • 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
    • G06Q20/4097—Device specific authentication in transaction processing using mutual authentication between devices and transaction partners
    • 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • 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
    • G07F7/0806—Details of the card
    • G07F7/0813—Specific details related to card security
    • G07F7/082—Features insuring the integrity of the data on or in the card
    • 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
    • G07F7/0866—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 by active credit-cards adapted therefor

Abstract

Изобретение относится к способу выполнения защищенной транзакции с применением так называемой интеллектуальной карты (11) и терминала (12), например кассового аппарата. Для предотвращения применения интеллектуальной карты для одновременных транзакций с несколькими терминалами вводится аутентификационная величина (А), которая используется при обмене данных между интеллектуальной картой (11) и терминалом (12) для уникальной идентификации последовательных шагов (например I, III) транзакции.Международная заявка была опубликована вместе с отчетом о международном поиске.
EA199800539A 1995-12-08 1996-11-14 Способ защищенного дебетования электронного платежного средства EA000730B1 (ru)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
NL1001863A NL1001863C2 (nl) 1995-12-08 1995-12-08 Werkwijze voor het beveiligd afwaarderen van een elektronisch betaalmid- del, alsmede betaalmiddel voor het ten uitvoer leggen van de werkwijze.
PCT/EP1996/005027 WO1997022091A1 (en) 1995-12-08 1996-11-14 Method for protectedly debiting an electronic payment means

Publications (2)

Publication Number Publication Date
EA199800539A1 true EA199800539A1 (ru) 1999-02-25
EA000730B1 EA000730B1 (ru) 2000-02-28

Family

ID=19762011

Family Applications (1)

Application Number Title Priority Date Filing Date
EA199800539A EA000730B1 (ru) 1995-12-08 1996-11-14 Способ защищенного дебетования электронного платежного средства

Country Status (19)

Country Link
US (1) US5991412A (ru)
EP (1) EP0883866B1 (ru)
CN (1) CN1121020C (ru)
AT (1) ATE190420T1 (ru)
AU (1) AU703985B2 (ru)
BG (1) BG102607A (ru)
BR (1) BR9611975A (ru)
CA (1) CA2239875C (ru)
CZ (1) CZ287424B6 (ru)
DE (1) DE69607041T2 (ru)
EA (1) EA000730B1 (ru)
ES (1) ES2143790T3 (ru)
IL (1) IL124752A (ru)
NL (1) NL1001863C2 (ru)
NO (1) NO982527D0 (ru)
NZ (1) NZ322489A (ru)
PL (1) PL181221B1 (ru)
WO (1) WO1997022091A1 (ru)
ZA (1) ZA9610277B (ru)

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US7236950B2 (en) * 1998-10-29 2007-06-26 Universal Card Services Corp. Method and system of combined billing of multiple accounts on a single statement
JP2003534585A (ja) 2000-03-15 2003-11-18 マスターカード インターナシヨナル インコーポレーテツド コンピュータネットワークを越える安全な支払い方法およびそのシステム
FR2807249B1 (fr) * 2000-03-30 2006-01-20 Ascom Monetel Sa Procede d'authentification de cartes a puces
US7379919B2 (en) 2000-04-11 2008-05-27 Mastercard International Incorporated Method and system for conducting secure payments over a computer network
US7177848B2 (en) * 2000-04-11 2007-02-13 Mastercard International Incorporated Method and system for conducting secure payments over a computer network without a pseudo or proxy account number
US6990470B2 (en) * 2000-04-11 2006-01-24 Mastercard International Incorporated Method and system for conducting secure payments over a computer network
US7472092B2 (en) * 2000-05-08 2008-12-30 Patricia Phelan Money order device with identity verification and method
US7280984B2 (en) * 2000-05-08 2007-10-09 Phelan Iii Frank Money card system, method and apparatus
US6805288B2 (en) 2000-05-15 2004-10-19 Larry Routhenstein Method for generating customer secure card numbers subject to use restrictions by an electronic card
CA2382696A1 (en) * 2000-06-21 2001-12-27 Edward J. Hogan An improved method and system for conducting secure payments over a computer network
US6986057B1 (en) 2000-08-07 2006-01-10 Dallas Semiconductor Corporation Security device and method
EP1223565A1 (en) * 2001-01-12 2002-07-17 Motorola, Inc. Transaction system, portable device, terminal and methods of transaction
JP4651212B2 (ja) * 2001-03-22 2011-03-16 大日本印刷株式会社 携帯可能情報記憶媒体およびその認証方法
US7195154B2 (en) 2001-09-21 2007-03-27 Privasys, Inc. Method for generating customer secure card numbers
US7822679B1 (en) 2001-10-29 2010-10-26 Visa U.S.A. Inc. Method and system for conducting a commercial transaction between a buyer and a seller
US6641050B2 (en) 2001-11-06 2003-11-04 International Business Machines Corporation Secure credit card
NO315727B1 (no) * 2002-02-22 2003-10-13 Handcash As Betalingskort og tilhörende fremgangsmåte
US8396809B1 (en) 2002-05-14 2013-03-12 Hewlett-Packard Development Company, L.P. Method for reducing purchase time
US7729984B1 (en) 2002-09-27 2010-06-01 Abas Enterprises Llc Effecting financial transactions
US7712675B2 (en) * 2003-01-15 2010-05-11 Hewlett-Packard Development Company, L.P. Physical items for holding data securely, and methods and apparatus for publishing and reading them
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JP5396001B2 (ja) * 2006-12-13 2014-01-22 楽天Ｅｄｙ株式会社 情報処理装置、情報処理装置の制御方法、及び情報処理装置の制御プログラム
US10078821B2 (en) 2012-03-07 2018-09-18 Early Warning Services, Llc System and method for securely registering a recipient to a computer-implemented funds transfer payment network
US10970688B2 (en) 2012-03-07 2021-04-06 Early Warning Services, Llc System and method for transferring funds
US10318936B2 (en) 2012-03-07 2019-06-11 Early Warning Services, Llc System and method for transferring funds
US10395223B2 (en) 2012-03-07 2019-08-27 Early Warning Services, Llc System and method for transferring funds
US10395247B2 (en) 2012-03-07 2019-08-27 Early Warning Services, Llc Systems and methods for facilitating a secure transaction at a non-financial institution system
US11593800B2 (en) 2012-03-07 2023-02-28 Early Warning Services, Llc System and method for transferring funds
US10769606B2 (en) 2015-03-23 2020-09-08 Early Warning Services, Llc Payment real-time funds availability
US10839359B2 (en) 2015-03-23 2020-11-17 Early Warning Services, Llc Payment real-time funds availability
US10832246B2 (en) 2015-03-23 2020-11-10 Early Warning Services, Llc Payment real-time funds availability
US10878387B2 (en) 2015-03-23 2020-12-29 Early Warning Services, Llc Real-time determination of funds availability for checks and ACH items
US10748127B2 (en) 2015-03-23 2020-08-18 Early Warning Services, Llc Payment real-time funds availability
US11151522B2 (en) 2015-07-21 2021-10-19 Early Warning Services, Llc Secure transactions with offline device
US11157884B2 (en) 2015-07-21 2021-10-26 Early Warning Services, Llc Secure transactions with offline device
US11151523B2 (en) 2015-07-21 2021-10-19 Early Warning Services, Llc Secure transactions with offline device
US11386410B2 (en) 2015-07-21 2022-07-12 Early Warning Services, Llc Secure transactions with offline device
US10438175B2 (en) 2015-07-21 2019-10-08 Early Warning Services, Llc Secure real-time payment transactions
US11037122B2 (en) 2015-07-21 2021-06-15 Early Warning Services, Llc Secure real-time transactions
US11062290B2 (en) 2015-07-21 2021-07-13 Early Warning Services, Llc Secure real-time transactions
US10963856B2 (en) 2015-07-21 2021-03-30 Early Warning Services, Llc Secure real-time transactions
US11037121B2 (en) 2015-07-21 2021-06-15 Early Warning Services, Llc Secure real-time transactions
US10956888B2 (en) 2015-07-21 2021-03-23 Early Warning Services, Llc Secure real-time transactions
US10970695B2 (en) 2015-07-21 2021-04-06 Early Warning Services, Llc Secure real-time transactions
CN105491028B (zh) * 2015-11-25 2019-01-25 四川诚品电子商务有限公司 电商平台账户的身份认证方法
CN105357213B (zh) * 2015-11-25 2018-11-16 四川诚品电子商务有限公司 网络平台账户的身份认证方法
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Also Published As

Publication number Publication date
EP0883866B1 (en) 2000-03-08
NO982527L (no) 1998-06-03
IL124752A (en) 2000-11-21
BG102607A (en) 1999-01-29
CN1121020C (zh) 2003-09-10
BR9611975A (pt) 1999-02-17
NO982527D0 (no) 1998-06-03
NL1001863C2 (nl) 1997-06-10
IL124752A0 (en) 1999-01-26
NZ322489A (en) 1998-10-28
CZ175898A3 (cs) 1999-01-13
AU7625496A (en) 1997-07-03
ATE190420T1 (de) 2000-03-15
CN1203681A (zh) 1998-12-30
PL181221B1 (pl) 2001-06-29
DE69607041D1 (de) 2000-04-13
CA2239875A1 (en) 1997-06-19
WO1997022091A1 (en) 1997-06-19
CZ287424B6 (en) 2000-11-15
US5991412A (en) 1999-11-23
PL327192A1 (en) 1998-11-23
DE69607041T2 (de) 2000-07-13
ES2143790T3 (es) 2000-05-16
CA2239875C (en) 2004-01-06
AU703985B2 (en) 1999-04-01
ZA9610277B (en) 1998-06-08
EA000730B1 (ru) 2000-02-28
EP0883866A1 (en) 1998-12-16

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Legal Events

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MM4A Lapse of a eurasian patent due to non-payment of renewal fees within the time limit in the following designated state(s)

Designated state(s): AM AZ BY KZ KG MD TJ TM RU