SE1550401A1 - Financial transactions with a varying pin - Google Patents

Financial transactions with a varying pin Download PDF

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Publication number
SE1550401A1
SE1550401A1 SE1550401A SE1550401A SE1550401A1 SE 1550401 A1 SE1550401 A1 SE 1550401A1 SE 1550401 A SE1550401 A SE 1550401A SE 1550401 A SE1550401 A SE 1550401A SE 1550401 A1 SE1550401 A1 SE 1550401A1
Authority
SE
Sweden
Prior art keywords
pln
financial transaction
biometric identifier
pin
transactor
Prior art date
Application number
SE1550401A
Other languages
English (en)
Inventor
Serge Christian Pierre Belamant
Original Assignee
Net1 Ueps Technologies Inc
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 Net1 Ueps Technologies Inc filed Critical Net1 Ueps Technologies Inc
Publication of SE1550401A1 publication Critical patent/SE1550401A1/sv

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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
    • G06Q20/385—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
    • 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
    • G06Q20/40—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
    • G06Q20/4014—Identity check for transactions
    • G06Q20/40145—Biometric identity checks
    • 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
    • G07F7/1016—Devices or methods for securing the PIN and other transaction-data, e.g. by encryption
    • 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
    • G07F7/1025—Identification of user by a PIN code

Description

Biometric verification resolves most of the above mentioned problems as clients have no secret PIN which can be compromised or used by anyone else. ln addition, clients cannot lose something that is a part of them.
The challenge however is that biometric verification requires some form of an acceptance device to be built into the ATM or POS concerned. These biometric capturing devices are often expensive and require intensive software development and hardware integration. The result is that, many financial institutions, although in favour of biometric verification in principle do not support its implementation due to the cost of retrofitting their existing acquiring base. The net result is that clients continue to utilise PIN numbers, very often at their own risk as financial institutions warn them that their PlN must be securely stored to ensure that these are not compromised in any way.
This stance simply passes on the liability of an unsecure PlN based system to the card holders thus protecting the financial institutions against claims that exceed billions of US dollars every year. lt is an object of the present invention to alleviate these deficiencies associated with static PlNs and present biometric verification.
Thus, according to the invention there is provided a financial transaction facilitating device for facilitating a financial transaction, which includes an electronic processing device; a data storage unit; an input device operable by a transactor for inputting a request for a PIN; a biometric identifier input device for inputting a biometric identifier of the transactor; a verifying unit for verifying a biometric identifier provided, in use, by the transactor; a PIN generator for generating a PIN if the inputted biometric identifier is verified and an output device for supplying the PlN to the transactor.
Further according to the invention there is provided a method of facilitating a financial transaction which includes a transactor inputting a request for a PlN to an electronic device of the transactor; inputting a biometric identifier of the transactor; 10 15 20 25 30 verifying the inputted biometric identifier; generating a PlN if the inputted biometric identifier is verified and supplying the PIN to the transactor. lt will be appreciated that the biometric identifier may be a sound signal, a visual signal or a fingerprint. lf it is a sound signal, such as a voice message, the biometric identifier input device may include a microphone. lf it is a visual signal, such as a representation of the transactor, the biometric identifier input device may include a camera. lf it is a fingerprint then the biometric identifier input device may include a fingerprint scanner. lf the biometric identifier is a voice message it may be a pass phrase or free speech.
The PlN generator may utilise a predetermined algorithm. The algorithm may be a cryptographíc algorithm, using predetermined cryptographíc keys. Further, a new PlN may be generated each time that a PlN is requested. Conveniently, the PlNs may be generated in a sequential manner.
The output device may conveniently be a display.
Those skilled in the art will appreciate that it is desirable that the financial transaction facilitating device be operable in an off-line manner. Thus, the transactor's biometric identifier may be stored in the data storage unit and the inputted biometric identifier compared with the stored identifier and be verified if the two are sufficiently similar. lt will further be appreciated that, for security reasons, an issuer of the credit or debit card will need to authenticate the stored biometric identifier. Thus, the transactor may authenticate his identity with the issuer and then be permitted to input his biometric identifier and store it, or the issuer may obtain the biometric identifier from the transactor once the transactor's identity has been authenticated, preferably in person, and then store it, or arrange for it to be stored, in the data storage unit.
Thus, the financial transaction facilitating device may include a communication module whereby it may communicate with the financial institution.
The financial transaction facilitating device may be a mobile telephone, a tablet, a portable computer or a desktop computer. 10 15 20 25 30 Further according to the invention, there is provided a financial transaction processing facility of an issuer of credit or debit cards, which includes a receiving unit for receiving a transaction request from a transactor to whom a credit or debit card has been issued together with a PIN; a verifying unit for verifying the PIN; and a transaction approving unit for approving the transaction if the PlN is verified.
Still further according to the invention, there is provided a method of processing a financial transaction, which includes an issuer of a credit or debit card receiving a transaction request together with a PlN, from a transactor to whom the card has been issued; verifying the PIN; and approving the transaction if the PlN is verified.
As indicated above, the invention has particular application with biometrically verifiable credit and debit cards. Thus the financial transaction processing facility may include an identifying module for identifying that the transaction request is associated with a biometrically verifiable card and that the supplied PlN needs to be appropriately verified.
The received PlN may be verified by a check PlN being generated by the processing facility and this PlN being compared with the received PlN. Thus, the processing facility may include a check PlN generator and a comparator for comparing the two PlNs. The check PlN generator may utilise a predetermined algorithm that is the same, or complementary to, the algorithm used by the financial transaction facilitating device. This algorithm may use cryptographic keys associated with the relevant account of the transactor.
Those skilled in the art will appreciate that such a varying PlN methodology may also be used when logging into an account with a financial institution via the Internet, and a varying PlN as supplied and contemplated by the invention may be used instead of a static PlN. Further, the varying PlN of the invention may be used instead of, or in addition to, so-called “second channel authentication” as occurs when a “One Time PlN" is sent via a different channel or an authenticating token is used. Accordingly, the phrases “a financial transaction facilitating device for facilitating a financial 10 15 20 25 30 transaction” and “a method of facilitating a financial transaction” are to be understood as also incorporating logging into an account with a financial institution.
The invention will now be described by way of non-limiting examples, with reference to the accompanying diagrammatic drawings, in which :- Figure 1 shows a financial transaction facilitating device in accordance with the invention; and Figure 2 shows a financial transaction processing facility in accordance with the invenfion.
Referring to Figure 1, a financial transaction facilitating device is referred to generally by reference numeral 10. The financial transaction facilitating device 10 comprises a mobile telephone that belongs to a client of a financial institution to whom a credit card has been issued. The financial transaction facilitating device 10 has a processor 12, a data storage unit 14, a keypad 16, a display 18, a microphone 20 with an analogue to digital convertor 22, a PlN generator 24, and a comparator 26. lt further has an input/output interface 28 whereby it may connect to the Internet 30.
The keypad 16 may be physical or virtual. ln use, a PlN generating application and an authenticated voice message are downloaded, via the Internet 30 from the financial transaction processing facility shown in Figure 2 and stored in the data storage unit 14. The PlN generating application implements a predetermined algorithm with cryptographic keys, that are also securely stored in the data storage unit 14.
When the client wishes to perform a transaction requiring a PlN, he invokes the PlN generating application by means of the keypad 16. He is then required to provide the same voice message, which is captured by the microphone 20 and A/D convertor 22. This supplied biometric identifier is then compared, by the comparator 26 with the stored authenticated voice message. lf they are sufficiently similar, the supplied voice message is verified and an appropriate signal supplied by the comparator 26 to the processor 12. The processor 12 then activates the PlN generator which 10 15 20 25 30 generates a PlN that is supplied to the display 18, a new PIN being generated each time. The PlN is used by the client to perform his transaction by entering it at an ATM or POS device, to perform an Internet transaction or to log into an account with a financial institution. lt will be appreciated that the financial transaction facilitating device 10 is operable offline.
An example of how the variable PlN is generated is illustrated below. This uses cryptographic keys and parameters stored in the data storage unit 14: 1. Create the variable PlN Clear Data block.
CLEAR_DATA = (VPSN[2].VPP[1].USN[3].USERDATA[2]) 2. Create variable PlN certificate (Diversified Keys) VP_CERT = 3DES(CLEAR_DATA) 3. lncrement sequence number.
VPSN = VPSN + 1 4. Convert certificate decimal(ASCll numeric digits) DECIMALVP_CERT = CONVERT_TO_ASCllDEClMAL(VP_CERT) 5. Extract PlN digits from the decimal certificate.
PlN_D|GlT[0] = DEC|MALVP_CERT[1] PlN_D|GlT[1] = DEC|MALVP_CERT[3] PlN_D|GlT[2] = DEC|MALVP_CERT[2] PlN_D|GlT[3] = DEC|MALVP_CERT[5] PlN_D|GlT[4] = DEC|MALVP_CERT[4] PlN_D|GlT[5] = DEC|MALVP_CERT[7] PlN_D|GlT[6] = DEC|MALVP_CERT[6] PlN_D|GlT[7] = DEC|MALVP_CERT[9] PlN_D|GlT[8] = DEC|MALVP_CERT[8] PlN_D|GlT[9] = DEC|MALVP_CERT[11] PlN_D|GlT[10] = DEClMALVP_CERT[10] PlN_D|GlT[11] = DEClMALVP_CERT[13] 6. Display the PlN digits. (Maximum 12 digits).
The transaction details, together with the PlN, are transmitted through conventional banking communication networks to the issuing bank which has a financial 10 15 20 25 30 transaction processing facility as shown generally in Figure 2 by reference numeral 50. lt will be appreciated that the PlN is generated in a format that is compatible with conventional financial transaction facilities such as ATM's and POS devices with no additional changes to their associated systems.
The financial transaction processing facility 50 has a front office component 52 and a back office component 54. ln the front office 52 there is a processor 56, a keypad 58, a display 60 and a microphone 62 with an A/D convertor 64. ln the back office there is a processor 66, a data storage unit 68, a cryptographic key generator 70, a PlN generating application generator 72, a card type identification unit 74, a check PlN generator 76, a comparator 78, a message generator 80 and an input/output interface for connecting to the Internet 30 or a banking communication network 82. ln use, when the client desires to acquire the PlN generating application, he presents himself to a clerk at the front office 52. When the client has verified himself to the clerk the client utters the voice message which is captured by the microphone 62 and A/D converter 64 as the authenticated voice message. This authenticated voice message is stored in the data storage unit 68 in association with the client's account.
The required cryptographic keys are then provided by the cryptographic key generator 72 and also stored in the data storage unit 68 in association with the client's account. These keys and the authenticated voice message are then supplied to the PlN generating application generator 72 which provides the PlN generating application which is then downloaded to the client's phone 10 via the Internet 30.
When a transaction request is received, via the communication network 82, together with a PlN that has been provided by the transactor, the relevant account is identified and a check is performed by the card type identification unit 74 to see if the supplied PlN needs to be verified. lf this is the case, the appropriate cryptographic keys are supplied to the check PlN generator 76. The check PlN generator 76 then generates a check PlN using a similar algorithm to that described above and the check PlN and the supplied PlN are compared by the comparator 78. lf they are the same then an 10 15 approval message is provided by the message generator 80 and transmitted to the acquiring bank. Clearly, if there is no match then a rejection message is generated and transmitted The invention described above allows biometric verification to take place on a mobile phone, or the like, in an off-line manner and for this verification result to be represented in the form of a PlN which can then be entered in any ATM or POS device.
This invention has the advantage that PlN numbers are more secure as these vary with every transaction effected. lt will be appreciated that this invention intrinsically links biometric verification to the variable PlN thus providing biometric verification at any ATM or POS device not fitted with biometric capturing technology.

Claims (31)

10 15 20 25 30 CLAIMS:
1. A financial transaction facilitating device for facilitating a financial transaction comprising: an electronic processing device; a data storage unit; an input device operable by a transactor for inputting a request for a PlN; a biometric identifier input device for inputting a biometric identifier ofthe transactor; a verifying unit for verifying a biometric identifier provided, in use, by the transactor; a PlN generator for generating a PlN if the inputted biometric identifier is venfied; and an output device for supplying the PlN to the transactor.
2. The financial transaction facilitating device of claim 1, wherein the biometric identifier is selected from the group consisting of a sound signal, a visual signal, or a fingerprint.
3. The financial transaction facilitating device of claim 1, wherein the biometric identifier is a sound signal, and wherein the biometric identifier input device comprises a microphone.
4. The financial transaction facilitating device of claim 3, wherein the sound signal is a voice message comprising a pass phrase or free speech.
5. The financial transaction facilitating device of claim 1, wherein the biometric identifier is a visual signal, and wherein the biometric identifier input device COmpflSeS 8 Camera..
6. The financial transaction facilitating device of claim 5, wherein the visual signal is a representation of the transactor. 10 15 20 25 30 10
7. The financial transaction facilitating device of claim 1, wherein the biometric identifier is a fingerprint, and wherein the biometric identifier input device comprises a fingerprint scanner.
8. The financial transaction facilitating device of claim 1, wherein the PlN generator utilises a predetermined algorithm.
9. The financial transaction facilitating device of claim 8, wherein the algorithm is a cryptographic algorithm which uses predetermined cryptographic keys.
10. The financial transaction facilitating device of claim 8, wherein the PlN generator generates a new PlN each time a PlN is requested.
11. The financial transaction facilitating device of claim 8, wherein the PlN generator generates PlNs in a sequential manner.
12. The financial transaction facilitating device of claim 1, wherein the output device is a display.
13. The financial transaction facilitating device of claim 1, wherein the device is operable in an off-line manner.
14. The financial transaction facilitating device of claim 1, further comprising a communication module for communication with a financial institution.
15. The financial transaction facilitating device of claim 1, wherein the financial transaction facilitating device is selected from the group consisting of a mobile telephone, a tablet, a portable computer, and a desktop computer.
16. A method of facilitating a financial transaction which comprises a transactor inputting a request for a PlN to an electronic device of the transactor; inputting a biometric identifier of the transactor; 10 15 20 25 30 11 verifying the inputted biometric identifier; generating a PIN if the inputted biometric identifier is verified and supplying the PIN to the transactor.
17. The method of claim 16, wherein the biometric identifier is selected from the group consisting of a sound signal, a visual signal, or a fingerprint.
18. The method of claim 16, wherein the biometric identifier is a sound signal, and wherein the biometric identifier input device comprises a microphone.
19. The method of claim 18, wherein the sound signal is a voice message comprising a pass phrase or free speech.
20. The method of claim 16, wherein the biometric identifier is a visual signal, and wherein the biometric identifier input device comprises a camera.
21. The method of claim 20, wherein the visual signal is a representation of the transactor.
22. The method of claim 16, wherein the biometric identifier is a fingerprint, and wherein the biometric identifier input device comprises a fingerprint scanner.
23. The method of claim 16, wherein a new PIN is generated each time a PIN is requested.
24. The method of claim 16, wherein the PlNs are generated in a sequential manner.
25. A financial transaction processing facility of an issuer of credit or debit cards, which comprises a receiving unit for receiving a transaction request from a transactor to whom a credit or debit card has been issued together with a PIN; a verifying unit for verifying the PIN; and 10 15 20 25 12 a transaction approving unit for approving the transaction if the PlN is venfied.
26. The financial transaction processing facility of claim 25, further comprising an identifying module for identifying that the transaction request is associated with a biometrically verifiable card and that the supplied PlN needs to be appropriately venfied.
27. The financial transaction processing facility of claim 25, further comprising a check PlN generator for generating a check PlN and a comparator for comparing the check PlN and the received PlN.
28. The financial transaction processing facility of claim 27, wherein the check PlN generator utilises a predetermined algorithm that is the same, or complementary to, an algorithm used by a financial transaction facilitating device.
29. The processing facility of claim 28, wherein the algorithm uses cryptographic keys associated with the relevant account of the transactor.
30. A method of processing a financial transaction, which comprises an issuer of a credit or debit card receiving a transaction request together with a PlN, from a transactor to whom the card has been issued; verifying the received PlN; and approving the transaction if the PlN is verified.
31. The method of claim 30, wherein the received PlN is verified by generating a check PlN and comparing it with the received PlN.
SE1550401A 2012-09-04 2013-09-03 Financial transactions with a varying pin SE1550401A1 (sv)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US201261696726P 2012-09-04 2012-09-04
PCT/IB2013/058241 WO2014037869A1 (en) 2012-09-04 2013-09-03 Financial transactions with a varying pin

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SE1550401A1 true SE1550401A1 (sv) 2015-04-02

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US (1) US20140074725A1 (sv)
EP (1) EP2893502A1 (sv)
JP (1) JP2015529364A (sv)
KR (1) KR20150084648A (sv)
CN (1) CN104769621A (sv)
AP (1) AP2013007095A0 (sv)
AT (1) AT515400A2 (sv)
AU (1) AU2013311295A1 (sv)
BR (1) BR112015004827A2 (sv)
CA (1) CA2883856A1 (sv)
CH (1) CH708725B1 (sv)
DE (1) DE112013004332T5 (sv)
ES (1) ES2631002B1 (sv)
FI (1) FI20155242L (sv)
GB (1) GB2520662A (sv)
IL (1) IL237565A0 (sv)
MA (1) MA37972A1 (sv)
MX (1) MX2015002791A (sv)
PH (1) PH12015500473A1 (sv)
RU (1) RU2015112023A (sv)
SE (1) SE1550401A1 (sv)
SG (1) SG11201501654QA (sv)
WO (1) WO2014037869A1 (sv)
ZA (1) ZA201306611B (sv)

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Publication number Publication date
KR20150084648A (ko) 2015-07-22
RU2015112023A (ru) 2016-10-27
AU2013311295A1 (en) 2015-04-30
CH708725B1 (de) 2017-09-15
ES2631002B1 (es) 2018-11-14
EP2893502A1 (en) 2015-07-15
GB201505851D0 (en) 2015-05-20
AP2013007095A0 (en) 2013-09-30
US20140074725A1 (en) 2014-03-13
FI20155242L (sv) 2015-04-02
JP2015529364A (ja) 2015-10-05
MX2015002791A (es) 2015-12-03
AT515400A2 (de) 2015-08-15
BR112015004827A2 (pt) 2017-07-04
MA37972A1 (fr) 2016-01-29
ZA201306611B (en) 2014-05-28
WO2014037869A1 (en) 2014-03-13
DE112013004332T5 (de) 2015-05-13
ES2631002A2 (es) 2017-08-25
SG11201501654QA (en) 2015-05-28
CN104769621A (zh) 2015-07-08
CA2883856A1 (en) 2014-03-13
ES2631002R1 (es) 2018-02-02
PH12015500473A1 (en) 2015-04-20
IL237565A0 (en) 2015-04-30
GB2520662A (en) 2015-05-27

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