HRP20120575T1 - UREĐAJ I POSTUPAK ZA DISTRIBUCIJU OSOBNOG IDENTIFIKACIJSKOG BROJA (PIN-a) - Google Patents
UREĐAJ I POSTUPAK ZA DISTRIBUCIJU OSOBNOG IDENTIFIKACIJSKOG BROJA (PIN-a) Download PDFInfo
- Publication number
- HRP20120575T1 HRP20120575T1 HRP20120575AT HRP20120575T HRP20120575T1 HR P20120575 T1 HRP20120575 T1 HR P20120575T1 HR P20120575A T HRP20120575A T HR P20120575AT HR P20120575 T HRP20120575 T HR P20120575T HR P20120575 T1 HRP20120575 T1 HR P20120575T1
- Authority
- HR
- Croatia
- Prior art keywords
- channel
- code
- user
- request code
- personal code
- Prior art date
Links
- 238000000034 method Methods 0.000 title claims abstract 9
- 238000004590 computer program Methods 0.000 claims 2
- 230000005540 biological transmission Effects 0.000 claims 1
Classifications
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- 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
- G06F21/42—User authentication using separate channels for security data
-
- 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
- G06F21/60—Protecting data
- G06F21/62—Protecting access to data via a platform, e.g. using keys or access control rules
- G06F21/6218—Protecting access to data via a platform, e.g. using keys or access control rules to a system of files or objects, e.g. local or distributed file system or database
- G06F21/6245—Protecting personal data, e.g. for financial or medical purposes
-
- 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
- G06F21/42—User authentication using separate channels for security data
- G06F21/43—User authentication using separate channels for security data wireless channels
-
- 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
- G06Q20/355—Personalisation of cards for use
- G06Q20/3558—Preliminary personalisation for transfer to user
-
- 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
-
- 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
- G06Q20/4012—Verifying personal identification numbers [PIN]
-
- 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
- G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
- G06Q20/425—Confirmation, e.g. check or permission by the legal debtor of payment using two different networks, one for transaction and one for security confirmation
-
- 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
- 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
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
-
- 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
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L63/00—Network architectures or network communication protocols for network security
- H04L63/04—Network architectures or network communication protocols for network security for providing a confidential data exchange among entities communicating through data packet networks
- H04L63/0428—Network architectures or network communication protocols for network security for providing a confidential data exchange among entities communicating through data packet networks wherein the data content is protected, e.g. by encrypting or encapsulating the payload
- H04L63/0435—Network architectures or network communication protocols for network security for providing a confidential data exchange among entities communicating through data packet networks wherein the data content is protected, e.g. by encrypting or encapsulating the payload wherein the sending and receiving network entities apply symmetric encryption, i.e. same key used for encryption and decryption
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L63/00—Network architectures or network communication protocols for network security
- H04L63/06—Network architectures or network communication protocols for network security for supporting key management in a packet data network
- H04L63/062—Network architectures or network communication protocols for network security for supporting key management in a packet data network for key distribution, e.g. centrally by trusted party
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L69/00—Network arrangements, protocols or services independent of the application payload and not provided for in the other groups of this subclass
- H04L69/14—Multichannel or multilink protocols
-
- 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
- G06Q2220/00—Business processing using cryptography
- G06Q2220/10—Usage protection of distributed data files
Abstract
Postupak distribucije osobnog koda korisniku financijskog instrumenta povezanog sa navedenim osobnim kodom, koji sadrži, nakon koraka slanja prema korisniku, putem prvog kanala, koda zahtjeva povezanog sa navedenim osobnim kodom, - korak (335) prijema navedenog koda zahtjeva (260) putem drugog kanala, naznačen time da ima: - korak dohvaćanja osobnog koda (210) povezanog sa navedenim kodom zahtjeva 260,te - korak slanja korisniku dohvaćenog osobnog koda (210) putem trećeg kanala, pri čemu su drugi kanal i treći kanal pokretna telefonska mreža (170), te pri čemu je drugi kanal mreža za prijenos kratkih poruka, a pri čemu korak prijema osobnog koda uključuje korak provjere mobilnog telefonskog broja (205) korisnika u drugom kanalu. Patent sadrži još 6 patentnih zahtjeva.
Claims (7)
1. Postupak distribucije osobnog koda korisniku financijskog instrumenta povezanog sa navedenim osobnim kodom, koji sadrži, nakon koraka slanja prema korisniku, putem prvog kanala, koda zahtjeva povezanog sa navedenim osobnim kodom,
- korak (335) prijema navedenog koda zahtjeva (260) putem drugog kanala,
naznačen time da ima:
- korak dohvaćanja osobnog koda (210) povezanog sa navedenim kodom zahtjeva 260,te
- korak slanja korisniku dohvaćenog osobnog koda (210) putem trećeg kanala,
pri čemu su drugi kanal i treći kanal pokretna telefonska mreža (170), te pri čemu je drugi kanal mreža za prijenos kratkih poruka, a pri čemu korak prijema osobnog koda uključuje korak provjere mobilnog telefonskog broja (205) korisnika u drugom kanalu.
2. Postupak prema zahtjevu 1, naznačen time, da se tijekom koraka slanja koda zahtjeva, financijski instrument šalje korisniku putem prvog kanala zajedno sa kodom zahtjeva koji je povezan sa navedenim financijskim instrumentom.
3. Postupak prema bilo kojem od zahtjeva 1 do 2, naznačen time da uključuje korak dekodiranja osobnog koda (210) korištenjem koda zahtjeva (260) kao ključa za dekodiranje.
4. Postupak prema bilo kojem od zahtjeva 1 do 3, naznačen time da su oba kanala, drugi i treći kanal, sigurni kanali.
5. Postupak prema bilo kojem od zahtjeva 1 do 4, naznačen time da je prvi kanal – kanal dostave poštom.
6. Sredstva za pohranu informacija koja mogu biti pročitana putem pohranjenih instrukcija u računalu ili mikroprocesoru u vidu računalnog programa, naznačena time da omogućavaju primjenu postupka prema bilo kojem od zahtjeva 1 do 5.
7. Računalni program koji se može učitati u računalni sustav, naznačen time da navedeni program sadrži instrukcije koje omogućavaju primjenu postupka prema bilo kojem od zahtjeva 1 do 5, kada je navedeni program učitan i izvršava se na računalnom sustavu.
Applications Claiming Priority (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
EP08291060A EP2187363B1 (en) | 2008-11-12 | 2008-11-12 | Personal identification number distribution device and method |
Publications (1)
Publication Number | Publication Date |
---|---|
HRP20120575T1 true HRP20120575T1 (hr) | 2012-08-31 |
Family
ID=40351872
Family Applications (2)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
HRP20120575AT HRP20120575T1 (hr) | 2008-11-12 | 2012-07-10 | UREĐAJ I POSTUPAK ZA DISTRIBUCIJU OSOBNOG IDENTIFIKACIJSKOG BROJA (PIN-a) |
HRP20202013TT HRP20202013T1 (hr) | 2008-11-12 | 2020-12-16 | Uređaj i postupak za distribuciju osobnog identifikacijskog broja |
Family Applications After (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
HRP20202013TT HRP20202013T1 (hr) | 2008-11-12 | 2020-12-16 | Uređaj i postupak za distribuciju osobnog identifikacijskog broja |
Country Status (11)
Country | Link |
---|---|
US (2) | US20100332398A1 (hr) |
EP (2) | EP2187363B1 (hr) |
AT (1) | ATE553465T1 (hr) |
DK (2) | DK2461297T3 (hr) |
ES (2) | ES2386259T3 (hr) |
HR (2) | HRP20120575T1 (hr) |
HU (1) | HUE052038T2 (hr) |
LT (1) | LT2461297T (hr) |
PL (2) | PL2187363T3 (hr) |
PT (2) | PT2187363E (hr) |
SI (2) | SI2187363T1 (hr) |
Families Citing this family (7)
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US9277403B2 (en) * | 2010-03-02 | 2016-03-01 | Eko India Financial Services Pvt. Ltd. | Authentication method and device |
RU2601834C2 (ru) | 2012-11-22 | 2016-11-10 | Хуавей Текнолоджиз Ко., Лтд. | Способ распределения приложения, терминал и сервер |
US10021213B2 (en) * | 2015-02-09 | 2018-07-10 | Google Llc | Systems and methods for adaptive cloning of mobile devices |
DE102015006751A1 (de) | 2015-05-26 | 2016-12-01 | Giesecke & Devrient Gmbh | Verfahren zur Bereitstellung eines persönlichen Identifikationscodes eines Sicherheitsmoduls |
US10218698B2 (en) * | 2015-10-29 | 2019-02-26 | Verizon Patent And Licensing Inc. | Using a mobile device number (MDN) service in multifactor authentication |
DE102015015498A1 (de) | 2015-11-30 | 2017-06-01 | Giesecke & Devrient Gmbh | Elektronischer PIN-Abruf |
IT201700038611A1 (it) * | 2017-04-07 | 2018-10-07 | Marco Bacchetta | Nuova modalita' migliorativa della distribuzione postale e della distribuzione di spedizioni di merci con contestuali miglioramento della tutela dei relativi dati sensibili, della sicurezza e ottimizzazione dei trasporti e della distribuzione |
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-
2008
- 2008-11-12 PT PT08291060T patent/PT2187363E/pt unknown
- 2008-11-12 PT PT121575906T patent/PT2461297T/pt unknown
- 2008-11-12 PL PL08291060T patent/PL2187363T3/pl unknown
- 2008-11-12 DK DK12157590.6T patent/DK2461297T3/da active
- 2008-11-12 SI SI200830690T patent/SI2187363T1/sl unknown
- 2008-11-12 SI SI200832149T patent/SI2461297T1/sl unknown
- 2008-11-12 ES ES08291060T patent/ES2386259T3/es active Active
- 2008-11-12 EP EP08291060A patent/EP2187363B1/en active Active
- 2008-11-12 LT LTEP12157590.6T patent/LT2461297T/lt unknown
- 2008-11-12 AT AT08291060T patent/ATE553465T1/de active
- 2008-11-12 EP EP12157590.6A patent/EP2461297B1/en active Active
- 2008-11-12 DK DK08291060.5T patent/DK2187363T3/da active
- 2008-11-12 PL PL12157590T patent/PL2461297T3/pl unknown
- 2008-11-12 HU HUE12157590A patent/HUE052038T2/hu unknown
- 2008-11-12 ES ES12157590T patent/ES2834071T3/es active Active
-
2010
- 2010-06-25 US US12/823,254 patent/US20100332398A1/en not_active Abandoned
-
2012
- 2012-07-10 HR HRP20120575AT patent/HRP20120575T1/hr unknown
-
2016
- 2016-06-17 US US15/185,870 patent/US20160300077A1/en not_active Abandoned
-
2020
- 2020-12-16 HR HRP20202013TT patent/HRP20202013T1/hr unknown
Also Published As
Publication number | Publication date |
---|---|
EP2461297B1 (en) | 2020-10-07 |
ATE553465T1 (de) | 2012-04-15 |
HRP20202013T1 (hr) | 2021-02-19 |
SI2461297T1 (sl) | 2021-07-30 |
US20100332398A1 (en) | 2010-12-30 |
ES2386259T3 (es) | 2012-08-14 |
EP2461297A1 (en) | 2012-06-06 |
LT2461297T (lt) | 2021-01-11 |
EP2187363B1 (en) | 2012-04-11 |
EP2187363A1 (en) | 2010-05-19 |
DK2461297T3 (da) | 2020-12-21 |
DK2187363T3 (da) | 2012-07-23 |
PT2461297T (pt) | 2020-11-25 |
SI2187363T1 (sl) | 2012-09-28 |
PL2187363T3 (pl) | 2012-10-31 |
PT2187363E (pt) | 2012-07-16 |
HUE052038T2 (hu) | 2021-04-28 |
ES2834071T3 (es) | 2021-06-16 |
PL2461297T3 (pl) | 2021-04-06 |
US20160300077A1 (en) | 2016-10-13 |
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