SG11201901068WA - Method for a prepaid, debit and credit card security code generation system - Google Patents

Method for a prepaid, debit and credit card security code generation system

Info

Publication number
SG11201901068WA
SG11201901068WA SG11201901068WA SG11201901068WA SG11201901068WA SG 11201901068W A SG11201901068W A SG 11201901068WA SG 11201901068W A SG11201901068W A SG 11201901068WA SG 11201901068W A SG11201901068W A SG 11201901068WA SG 11201901068W A SG11201901068W A SG 11201901068WA
Authority
SG
Singapore
Prior art keywords
dsc
international
security code
prepaid
debit
Prior art date
Application number
SG11201901068WA
Inventor
Jacques Essebag
Sébastien Pochic
Original Assignee
Ellipse World S A
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 Ellipse World S A filed Critical Ellipse World S A
Publication of SG11201901068WA publication Critical patent/SG11201901068WA/en

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
    • G06Q20/30—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
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • 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
    • G06Q20/346—Cards serving only as information carrier of service
    • 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
    • G06Q20/352—Contactless payments by 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
    • G06Q20/30—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
    • 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
    • G06Q20/3552—Downloading or loading of personalisation data
    • 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
    • G06Q20/389—Keeping log of transactions for guaranteeing non-repudiation of 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
    • G06Q20/40—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
    • 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
    • G07F7/0806—Details of the card
    • G07F7/0846—On-card display means

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Finance (AREA)
  • Computer Security & Cryptography (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)
  • Storage Device Security (AREA)

Abstract

INTERNATIONAL APPLICATION PUBLISHED UNDER THE PATENT COOPERATION TREATY (PCT) (19) World Intellectual Property MD 1101111 0 DOI HIM RH 10 011101 OH Mil 10111101011 11110 ill OEN Organization International Bureau (10) International Publication Number 0 (43) International Publication Date .....0\"\"\" WO 2018/029582 Al 15 February 2018 (15.02.2018) W I P0 I P C T (51) (21) (22) (25) Filing Language: (26) (30) (71) (72) International Patent Classification: (81) Designated States (unless otherwise indicated, for every GO6Q 20/34 (2012.01) GO6Q 20/38 (2012.01) kind of national protection available): AE, AG, AL, AM, G07F 7/08 (2006.01) G06Q 20/40 (2012.01) AO, AT, AU, AZ, BA, BB, BG, BH, BN, BR, BW, BY, BZ, International Application Number: CA, CH, CL, CN, CO, CR, CU, CZ, DE, DJ, DK, DM, DO, PCT/IB2017/054774 DZ, EC, EE, EG, ES, FI, GB, GD, GE, GH, GM, GT, HN, HR, HU, ID, IL, IN, IR, IS, JO, JP, KE, KG, KH, KN, KP, International Filing Date: KR, KW, KZ, LA, LC, LK, LR, LS, LU, LY, MA, MD, ME, 03 August 2017 (03.08.2017) MG, MK, MN, MW, MX, MY, MZ, NA, NG, NI, NO, NZ, OM, PA, PE, PG, PH, PL, PT, QA, RO, RS, RU, RW, SA, English SC, SD, SE, SG, SK, SL, SM, ST, SV, SY, TH, TJ, TM, TN, Publication Language: English TR, TT, TZ, UA, UG, US, UZ, VC, VN, ZA, ZM, ZW. Priority Data: (84) Designated States (unless otherwise indicated, for every 15/231,069 08 August 2016 (08.08.2016) US kind of regional protection available): ARIPO (BW, GH, GM, KE, LR, LS, MW, MZ, NA, RW, SD, SL, ST, SZ, TZ, Applicant: ELLIPSE WORLD S.A. [BE/BE]; 16 Rue UG, ZM, ZW), Eurasian (AM, AZ, BY, KG, KZ, RU, TJ, Beck, BE-1222 Luxembourg (BE). TM), European (AL, AT, BE, BG, CH, CY, CZ, DE, DK, Inventors: ESSEBAG, Jacques; Avenue Paul Stroobant 2, EE, ES, FI, FR, GB, GR, HR, HU, IE, IS, IT, LT, LU, LV, BE-1180 Uccle (BE). POCHIC, Sebastien; Rue Auguste MC, MK, MT, NL, NO, PL, PT, RO, RS, SE, SI, SK, SM, Lambiotte 28/3, BE-1030 Schaerbeek (BE). Title: METHOD FOR : This invention code of a prepaid, debit, or credit card (\"Payment Card\"). In an effort to thwart Card-Not-Present provides dynamic be calculated by various methodologies and can be used within existing standard payment card infrastructures. also be used with other form factors and in other environments not related to payments such as balance inquiries. be calculated by a DSC Generator Server or on the card itself. ON security A PREPAID, DEBIT AND CREDIT CARD SECURITY CODE GENERATION SYSTEM 102 100 that can change the (\"CNP\") fraud, the DSC by this DSC System The DSC System The DSC Values = (54) = = = = = = = 106 AUTHORIZED SIGNATURE 104 108 = = = = = Fig. 1 is a comprehensive \"Dynamic Security Code\" (\"DSC\") System (\"DSC System\") security code values (\"DSC Values\") that have a limited use. The DSC Values provided = 1-1 eqi cc in (57) C System ---- can GC can 1-1 c;;;;) can eqi O [Continued on next page] WO 2018/029582 Al IMEDIM0110101011M1E11111111111011111ffil111111111111111111111111111 TR), OAPI (BF, BJ, CF, CG, CI, CM, GA, GN, GQ, GW, KM, ML, MR, NE, SN, TD, TG). Declarations under Rule 4.17: — as to applicant's entitlement to apply for and be granted a patent (Rule 4.17(11)) — as to the applicant's entitlement to claim the priority of the earlier application (Rule 4.17(iii)) Published: — with international search report (Art. 21(3))
SG11201901068WA 2016-08-08 2017-08-03 Method for a prepaid, debit and credit card security code generation system SG11201901068WA (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US15/231,069 US20180039986A1 (en) 2016-08-08 2016-08-08 Method for a Prepaid, Debit and Credit Card Security Code Generation System
PCT/IB2017/054774 WO2018029582A1 (en) 2016-08-08 2017-08-03 Method for a prepaid, debit and credit card security code generation system

Publications (1)

Publication Number Publication Date
SG11201901068WA true SG11201901068WA (en) 2019-03-28

Family

ID=59799432

Family Applications (1)

Application Number Title Priority Date Filing Date
SG11201901068WA SG11201901068WA (en) 2016-08-08 2017-08-03 Method for a prepaid, debit and credit card security code generation system

Country Status (13)

Country Link
US (1) US20180039986A1 (en)
EP (1) EP3497647A1 (en)
KR (1) KR102416954B1 (en)
CN (1) CN109804397A (en)
AU (2) AU2017309383A1 (en)
BR (1) BR112019002638A8 (en)
CA (1) CA3033326A1 (en)
IL (1) IL304720A (en)
MX (1) MX2019001678A (en)
RU (1) RU2762299C2 (en)
SG (1) SG11201901068WA (en)
WO (1) WO2018029582A1 (en)
ZA (1) ZA201901319B (en)

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