MX2011003936A - Sistema y método de seguridad para transacciones electrónicas. - Google Patents

Sistema y método de seguridad para transacciones electrónicas.

Info

Publication number
MX2011003936A
MX2011003936A MX2011003936A MX2011003936A MX2011003936A MX 2011003936 A MX2011003936 A MX 2011003936A MX 2011003936 A MX2011003936 A MX 2011003936A MX 2011003936 A MX2011003936 A MX 2011003936A MX 2011003936 A MX2011003936 A MX 2011003936A
Authority
MX
Mexico
Prior art keywords
digits
time
payment card
limited number
security system
Prior art date
Application number
MX2011003936A
Other languages
English (en)
Inventor
Ronald W Sandstrom
Paul E Vasil
Ludwik F Zon
Original Assignee
Miri Systems Llc
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 Miri Systems Llc filed Critical Miri Systems Llc
Publication of MX2011003936A publication Critical patent/MX2011003936A/es

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
    • G06Q20/40—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
    • 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
    • G06Q20/12—Payment architectures specially adapted for electronic shopping 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3821—Electronic credentials
    • 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
    • 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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • 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
    • G07F7/10—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

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Finance (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Economics (AREA)
  • Development Economics (AREA)
  • Computer Security & Cryptography (AREA)
  • Marketing (AREA)
  • Technology Law (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

En un método computarizado para generar un número con límite de tiempo para ser usado en una transacción con tarjeta de pago que involucra una tarjeta de pago proporcionada a un usuario por una entidad financiera, se proporciona un procesador provisto con una primera pluralidad de dígitos de un número original de una tarjeta de pago, en donde la primera pluralidad de dígitos son dígitos predeterminados asociados a la institución financiera. El procesador está provisto de una fecha de expiración deseada, hasta la cual el número con límite de tiempo es válido para ser aceptado en la transacción de tarjeta de pago. El procesador ejecuta un programa que ajusta una primera pluralidad de dígitos en el número con límite de tiempo a la primera pluralidad de dígitos en el número original de la tarjeta de pago, genera un primer número correspondiente a la fecha deseada de expiración, ajusta una segunda pluralidad de dígitos en el número con límite de tiempo al primer número, y entrega el número con límite de tiempo.
MX2011003936A 2008-10-13 2009-10-12 Sistema y método de seguridad para transacciones electrónicas. MX2011003936A (es)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US12/250,416 US8181861B2 (en) 2008-10-13 2008-10-13 Electronic transaction security system and method
PCT/US2009/060368 WO2010045154A1 (en) 2008-10-13 2009-10-12 Electronic transaction security system and method

Publications (1)

Publication Number Publication Date
MX2011003936A true MX2011003936A (es) 2011-09-08

Family

ID=42097994

Family Applications (1)

Application Number Title Priority Date Filing Date
MX2011003936A MX2011003936A (es) 2008-10-13 2009-10-12 Sistema y método de seguridad para transacciones electrónicas.

Country Status (7)

Country Link
US (5) US8181861B2 (es)
EP (1) EP2361419A4 (es)
BR (1) BRPI0920288A2 (es)
CA (2) CA3200991A1 (es)
CL (1) CL2011000842A1 (es)
MX (1) MX2011003936A (es)
WO (1) WO2010045154A1 (es)

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Also Published As

Publication number Publication date
US20150213447A1 (en) 2015-07-30
EP2361419A4 (en) 2012-03-28
US20130138566A1 (en) 2013-05-30
CA3200991A1 (en) 2010-04-22
US9004351B2 (en) 2015-04-14
US20120265686A1 (en) 2012-10-18
BRPI0920288A2 (pt) 2016-02-16
US9430770B2 (en) 2016-08-30
WO2010045154A1 (en) 2010-04-22
EP2361419A1 (en) 2011-08-31
US10963886B2 (en) 2021-03-30
US8181861B2 (en) 2012-05-22
US20100089998A1 (en) 2010-04-15
CL2011000842A1 (es) 2011-10-28
CA2740407A1 (en) 2010-04-22
CA2740407C (en) 2024-01-02
US20170148022A1 (en) 2017-05-25

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