MX2009005257A - Transacciones financieras seguras. - Google Patents
Transacciones financieras seguras.Info
- Publication number
- MX2009005257A MX2009005257A MX2009005257A MX2009005257A MX2009005257A MX 2009005257 A MX2009005257 A MX 2009005257A MX 2009005257 A MX2009005257 A MX 2009005257A MX 2009005257 A MX2009005257 A MX 2009005257A MX 2009005257 A MX2009005257 A MX 2009005257A
- Authority
- MX
- Mexico
- Prior art keywords
- amount
- pan
- simulated
- embedded
- account number
- Prior art date
Links
Classifications
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- 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
- 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
- G06Q20/04—Payment circuits
-
- 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
- G06Q20/22—Payment schemes or models
- G06Q20/24—Credit schemes, i.e. "pay after"
-
- 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
- G06Q20/347—Passive cards
-
- 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
- G06Q20/382—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
- G06Q20/3827—Use of message hashing
-
- 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
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- 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
- G07F7/12—Card verification
- G07F7/122—Online card verification
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
- H04L9/08—Key distribution or management, e.g. generation, sharing or updating, of cryptographic keys or passwords
- H04L9/0861—Generation of secret information including derivation or calculation of cryptographic keys or passwords
Abstract
Se emula o simula un número de cuenta principal ("PAN" o Primary Account Number) de una cuenta de crédito o débito convencional con un banco u otra entidad financiera, que incorpora, en forma codificada, el número de cuenta real. El PAN simulado puede también incorporar un monto a debitarse de esa cuenta. Así, un numero de cuenta y un monto se codifican y relacionan en una cadena de dígitos que parece ser el PAN válido. El número de cuenta real y el monto de la transacción entonces quedan integrados en el PAN simulado. El PAN simulado luego es procesado por la infraestructura de transacción financiera existente, y el banco emisor sabe que no es un PAN y que los dígitos correctos deben decodificarse para brindar el número de cuenta integrado y el monto integrado. En una aplicación, la persona que realiza la transacción y que desee efectuar una transacción financiera, genera un PAN simulado y lo suministra a un proveedor de bienes o servicios a quien desea adquirirle tales bienes o servicios. El proveedor ingresa el PAN simulado y el monto de la transacción de manera convencional. Estos datos luego se transmiten a un banco incorporado, que luego los transmite al banco emisor para su autorización. El banco emisor luego extrae el número de cuenta y el monto integrados, verifica que el monto integrado y el monto suministrado sean los mismos (como también otras verificaciones convencionales) y si los son, autoriza la transacción. Los conocedores de estos temas apreciarán que, en la mayoría de los casos, la persona de la transacción debe brindar una fecha de vencimiento y un valor de verificación de tarjeta ("CVV"). Cualquiera de estos, o ambos, también pueden simularse y utilizarse para codificar información.
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
ZA200609533 | 2006-11-16 | ||
PCT/IB2007/054678 WO2008059465A2 (en) | 2006-11-16 | 2007-11-16 | Secure financial transactions |
Publications (1)
Publication Number | Publication Date |
---|---|
MX2009005257A true MX2009005257A (es) | 2009-10-12 |
Family
ID=39315582
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
MX2009005257A MX2009005257A (es) | 2006-11-16 | 2007-11-16 | Transacciones financieras seguras. |
Country Status (25)
Country | Link |
---|---|
US (2) | US20100088227A1 (es) |
EP (1) | EP2095311A2 (es) |
JP (1) | JP2010510567A (es) |
KR (3) | KR20090102752A (es) |
CN (1) | CN101573723A (es) |
AP (1) | AP3361A (es) |
AT (1) | AT506775A2 (es) |
AU (1) | AU2007320785B2 (es) |
BR (1) | BRPI0718902A2 (es) |
CA (1) | CA2669320C (es) |
CH (2) | CH709883B1 (es) |
DE (1) | DE112007002744T5 (es) |
EG (1) | EG25664A (es) |
FI (1) | FI20095662L (es) |
GB (1) | GB2457204A (es) |
IL (1) | IL198738A (es) |
MA (1) | MA30987B1 (es) |
MX (1) | MX2009005257A (es) |
MY (1) | MY153194A (es) |
NZ (1) | NZ577677A (es) |
PH (1) | PH12015500674A1 (es) |
RU (1) | RU2479032C2 (es) |
SE (1) | SE0950453L (es) |
WO (1) | WO2008059465A2 (es) |
ZA (1) | ZA200903802B (es) |
Families Citing this family (154)
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US20140019352A1 (en) | 2011-02-22 | 2014-01-16 | Visa International Service Association | Multi-purpose virtual card transaction apparatuses, methods and systems |
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US9065643B2 (en) | 2006-04-05 | 2015-06-23 | Visa U.S.A. Inc. | System and method for account identifier obfuscation |
US7739169B2 (en) | 2007-06-25 | 2010-06-15 | Visa U.S.A. Inc. | Restricting access to compromised account information |
US8121956B2 (en) | 2007-06-25 | 2012-02-21 | Visa U.S.A. Inc. | Cardless challenge systems and methods |
US7937324B2 (en) | 2007-09-13 | 2011-05-03 | Visa U.S.A. Inc. | Account permanence |
US10296874B1 (en) * | 2007-12-17 | 2019-05-21 | American Express Travel Related Services Company, Inc. | System and method for preventing unauthorized access to financial accounts |
US20090307140A1 (en) * | 2008-06-06 | 2009-12-10 | Upendra Mardikar | Mobile device over-the-air (ota) registration and point-of-sale (pos) payment |
US8219489B2 (en) | 2008-07-29 | 2012-07-10 | Visa U.S.A. Inc. | Transaction processing using a global unique identifier |
US8181861B2 (en) | 2008-10-13 | 2012-05-22 | Miri Systems, Llc | Electronic transaction security system and method |
AU2009311303B2 (en) | 2008-11-06 | 2015-09-10 | Visa International Service Association | Online challenge-response |
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US9715681B2 (en) | 2009-04-28 | 2017-07-25 | Visa International Service Association | Verification of portable consumer devices |
US7891560B2 (en) | 2009-05-15 | 2011-02-22 | Visa International Service Assocation | Verification of portable consumer devices |
US9038886B2 (en) | 2009-05-15 | 2015-05-26 | Visa International Service Association | Verification of portable consumer devices |
US8534564B2 (en) | 2009-05-15 | 2013-09-17 | Ayman Hammad | Integration of verification tokens with mobile communication devices |
US8602293B2 (en) | 2009-05-15 | 2013-12-10 | Visa International Service Association | Integration of verification tokens with portable computing devices |
US10846683B2 (en) | 2009-05-15 | 2020-11-24 | Visa International Service Association | Integration of verification tokens with mobile communication devices |
US8893967B2 (en) | 2009-05-15 | 2014-11-25 | Visa International Service Association | Secure Communication of payment information to merchants using a verification token |
US9105027B2 (en) | 2009-05-15 | 2015-08-11 | Visa International Service Association | Verification of portable consumer device for secure services |
US10140598B2 (en) * | 2009-05-20 | 2018-11-27 | Visa International Service Association | Device including encrypted data for expiration date and verification value creation |
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US10586227B2 (en) | 2011-02-16 | 2020-03-10 | Visa International Service Association | Snap mobile payment apparatuses, methods and systems |
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CN107967602A (zh) | 2011-03-04 | 2018-04-27 | 维萨国际服务协会 | 支付能力结合至计算机的安全元件 |
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KR101944504B1 (ko) * | 2011-06-08 | 2019-02-14 | 주식회사 비즈모델라인 | 동적 계좌번호 기반 계좌거래를 제공하는 애플리케이션 등록 방법 |
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US9547769B2 (en) | 2012-07-03 | 2017-01-17 | Visa International Service Association | Data protection hub |
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2007
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- 2007-11-16 AU AU2007320785A patent/AU2007320785B2/en not_active Ceased
- 2007-11-16 MY MYPI20092017A patent/MY153194A/en unknown
- 2007-11-16 CN CNA2007800427522A patent/CN101573723A/zh active Pending
- 2007-11-16 KR KR1020167000615A patent/KR20160011698A/ko active Search and Examination
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- 2007-11-16 NZ NZ577677A patent/NZ577677A/en not_active IP Right Cessation
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- 2007-11-16 RU RU2009122578/08A patent/RU2479032C2/ru not_active IP Right Cessation
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- 2007-11-16 US US12/515,058 patent/US20100088227A1/en not_active Abandoned
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2009
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- 2009-06-12 MA MA31982A patent/MA30987B1/fr unknown
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2013
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