GB201112173D0 - Secure payment system - Google Patents

Secure payment system

Info

Publication number
GB201112173D0
GB201112173D0 GBGB1112173.8A GB201112173A GB201112173D0 GB 201112173 D0 GB201112173 D0 GB 201112173D0 GB 201112173 A GB201112173 A GB 201112173A GB 201112173 D0 GB201112173 D0 GB 201112173D0
Authority
GB
United Kingdom
Prior art keywords
encrypted
server
encryption key
client
stores
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Withdrawn
Application number
GBGB1112173.8A
Other versions
GB2493138A (en
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.)
FLICK MOBILE Ltd
Original Assignee
FLICK MOBILE Ltd
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 FLICK MOBILE Ltd filed Critical FLICK MOBILE Ltd
Priority to GB1112173.8A priority Critical patent/GB2493138A/en
Publication of GB201112173D0 publication Critical patent/GB201112173D0/en
Publication of GB2493138A publication Critical patent/GB2493138A/en
Withdrawn legal-status Critical Current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
    • 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
    • G06Q20/3829—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
    • G06Q20/30—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]
    • G06Q20/3221—Access to banking information 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
    • G06Q20/38—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
    • G06Q20/38—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
    • G06Q20/40975—Device specific authentication in transaction processing using mutual authentication between devices and transaction partners using encryption therefor

Abstract

A system for secure payment includes a client, for example installed on a mobile communication device, that stores a unique user ID number, a first encryption key and encrypted second ID number of an account such as a CVV2 for a bank account. A remote server stores an encrypted first ID number, such as a PAN, of the account and a second encryption key, both associated with the unique customer ID number. The client may send the first encryption key and encrypted second number to server, which decrypts both first and second ID number for communication to payment server. A registration system includes a client generating a first encryption key and encrypting a first ID number, and a server to which the client sends the first encrypted ID number and a second ID number. The server then stores the first encrypted ID number and generates and stores a second encryption key to encrypt the second ID number. The server then sends the encrypted second ID number for storage at the client.
GB1112173.8A 2011-07-15 2011-07-15 A system for secure payment transactions Withdrawn GB2493138A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
GB1112173.8A GB2493138A (en) 2011-07-15 2011-07-15 A system for secure payment transactions

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
GB1112173.8A GB2493138A (en) 2011-07-15 2011-07-15 A system for secure payment transactions

Publications (2)

Publication Number Publication Date
GB201112173D0 true GB201112173D0 (en) 2011-08-31
GB2493138A GB2493138A (en) 2013-01-30

Family

ID=44586646

Family Applications (1)

Application Number Title Priority Date Filing Date
GB1112173.8A Withdrawn GB2493138A (en) 2011-07-15 2011-07-15 A system for secure payment transactions

Country Status (1)

Country Link
GB (1) GB2493138A (en)

Families Citing this family (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP3217342A1 (en) * 2013-07-12 2017-09-13 Payu Payment Solutions (Proprietary) Limited Systems for storing cardholder data and processing transactions

Family Cites Families (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
DE19716111A1 (en) * 1997-04-17 1998-10-22 Giesecke & Devrient Gmbh Procedure for mutual authentication of two units
EP1269429A2 (en) * 2000-03-15 2003-01-02 Mastercard International, Inc. Method and system for secure payments over a computer network

Also Published As

Publication number Publication date
GB2493138A (en) 2013-01-30

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Legal Events

Date Code Title Description
WAP Application withdrawn, taken to be withdrawn or refused ** after publication under section 16(1)