SK176199A3 - Payment process and system - Google Patents

Payment process and system Download PDF

Info

Publication number
SK176199A3
SK176199A3 SK1761-99A SK176199A SK176199A3 SK 176199 A3 SK176199 A3 SK 176199A3 SK 176199 A SK176199 A SK 176199A SK 176199 A3 SK176199 A3 SK 176199A3
Authority
SK
Slovakia
Prior art keywords
card
cryptogram
pin
financial institution
transaction
Prior art date
Application number
SK1761-99A
Other languages
English (en)
Slovak (sk)
Inventor
John Charles Viner
David Barrington Everett
Original Assignee
Nat Westminster Bank Plc
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 Nat Westminster Bank Plc filed Critical Nat Westminster Bank Plc
Publication of SK176199A3 publication Critical patent/SK176199A3/sk

Links

Classifications

    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07FCOIN-FREED OR LIKE APPARATUS
    • G07F7/00Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08Mechanisms 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
    • G07F7/10Mechanisms 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
    • G07F7/1008Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06FELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/60Protecting data
    • G06F21/606Protecting data by securing the transmission between two devices or processes
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, 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
    • G06Q20/401Transaction verification
    • G06Q20/4012Verifying personal identification numbers [PIN]
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, 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
    • G06Q20/409Device specific authentication in transaction processing
    • G06Q20/4093Monitoring of device authentication
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, 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
    • G06Q20/409Device specific authentication in transaction processing
    • G06Q20/4097Device specific authentication in transaction processing using mutual authentication between devices and transaction partners
    • G06Q20/40975Device specific authentication in transaction processing using mutual authentication between devices and transaction partners using encryption therefor

Landscapes

  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Physics & Mathematics (AREA)
  • Accounting & Taxation (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Finance (AREA)
  • Computer Hardware Design (AREA)
  • General Health & Medical Sciences (AREA)
  • Bioethics (AREA)
  • Software Systems (AREA)
  • Health & Medical Sciences (AREA)
  • General Engineering & Computer Science (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)
  • Credit Cards Or The Like (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)
SK1761-99A 1997-06-27 1998-06-26 Payment process and system SK176199A3 (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
GBGB9713743.4A GB9713743D0 (en) 1997-06-27 1997-06-27 A cryptographic authentication process
PCT/GB1998/001865 WO1999000775A1 (en) 1997-06-27 1998-06-26 Payment process and system

Publications (1)

Publication Number Publication Date
SK176199A3 true SK176199A3 (en) 2000-07-11

Family

ID=10815113

Family Applications (1)

Application Number Title Priority Date Filing Date
SK1761-99A SK176199A3 (en) 1997-06-27 1998-06-26 Payment process and system

Country Status (22)

Country Link
EP (1) EP0992026A1 (es)
JP (1) JP2002507297A (es)
KR (1) KR20010014257A (es)
CN (1) CN1260894A (es)
AU (1) AU8122598A (es)
BG (1) BG104041A (es)
BR (1) BR9810486A (es)
CA (1) CA2295032A1 (es)
EA (1) EA200000073A1 (es)
EE (1) EE9900598A (es)
GB (1) GB9713743D0 (es)
HU (1) HUP0003227A2 (es)
IS (1) IS5307A (es)
MX (1) MXPA99011836A (es)
NO (1) NO996488L (es)
NZ (1) NZ501887A (es)
PL (1) PL337533A1 (es)
SK (1) SK176199A3 (es)
TR (1) TR199903243T2 (es)
TW (1) TW411427B (es)
WO (1) WO1999000775A1 (es)
ZA (1) ZA985628B (es)

Families Citing this family (17)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US8108307B1 (en) * 1998-03-30 2012-01-31 Citicorp Development Center, Inc. System, method and apparatus for value exchange utilizing value-storing applications
AUPQ556600A0 (en) * 2000-02-14 2000-03-02 Ong, Yong Kin (Michael) Electronic funds transfers-zipfund
US7103575B1 (en) 2000-08-31 2006-09-05 International Business Machines Corporation Enabling use of smart cards by consumer devices for internet commerce
KR100420600B1 (ko) * 2001-11-02 2004-03-02 에스케이 텔레콤주식회사 아이알에프엠을 이용한 이엠브이 지불 처리방법
GB0305806D0 (en) * 2003-03-13 2003-04-16 Ecebs Ltd Smartcard based value transfer
US8407097B2 (en) 2004-04-15 2013-03-26 Hand Held Products, Inc. Proximity transaction apparatus and methods of use thereof
US8549592B2 (en) 2005-07-12 2013-10-01 International Business Machines Corporation Establishing virtual endorsement credentials for dynamically generated endorsement keys in a trusted computing platform
GB2435951A (en) 2006-02-23 2007-09-12 Barclays Bank Plc System for PIN servicing
US7873835B2 (en) * 2006-03-31 2011-01-18 Emc Corporation Accessing data storage devices
CN102024288B (zh) * 2009-09-11 2014-02-26 中国银联股份有限公司 一种使用智能卡进行安全支付的方法和系统
CN102096968A (zh) * 2009-12-09 2011-06-15 中国银联股份有限公司 一种代授权业务中pin正确性验证的方法
GB2476065A (en) * 2009-12-09 2011-06-15 Pol Nisenblat A multi-currency cash deposit and exchange method and system
EP2426652A1 (fr) * 2010-09-06 2012-03-07 Gemalto SA Procédé simplifié de personnalisation de carte à puce et dispositif associé
CN102968865B (zh) * 2012-11-23 2016-08-31 易联支付有限公司 一种移动支付的认证方法及系统
US10147087B2 (en) * 2015-03-06 2018-12-04 Mastercard International Incorporated Primary account number (PAN) length issuer identifier in payment account number data field of a transaction authorization request message
CN106991346A (zh) * 2017-04-18 2017-07-28 东信和平科技股份有限公司 一种智能卡发卡的方法以及装置
CN113222600A (zh) * 2021-05-18 2021-08-06 中国银行股份有限公司 离线支付方法及系统、付款终端及收款终端

Family Cites Families (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP0198384A3 (en) * 1985-04-09 1988-03-23 Siemens Aktiengesellschaft Berlin Und Munchen Method and device for enciphering data
US4965568A (en) * 1989-03-01 1990-10-23 Atalla Martin M Multilevel security apparatus and method with personal key
NL1001659C2 (nl) * 1995-11-15 1997-05-21 Nederland Ptt Werkwijze voor het afwaarderen van een elektronisch betaalmiddel.

Also Published As

Publication number Publication date
EE9900598A (et) 2000-08-15
PL337533A1 (en) 2000-08-28
IS5307A (is) 1999-12-17
GB9713743D0 (en) 1997-09-03
BR9810486A (pt) 2000-09-12
TW411427B (en) 2000-11-11
AU8122598A (en) 1999-01-19
CN1260894A (zh) 2000-07-19
CA2295032A1 (en) 1999-01-07
WO1999000775A1 (en) 1999-01-07
EA200000073A1 (ru) 2000-06-26
NO996488D0 (no) 1999-12-27
NZ501887A (en) 2001-05-25
JP2002507297A (ja) 2002-03-05
EP0992026A1 (en) 2000-04-12
TR199903243T2 (xx) 2000-04-21
MXPA99011836A (es) 2002-04-19
BG104041A (en) 2000-05-31
NO996488L (no) 2000-02-28
ZA985628B (en) 1999-01-26
HUP0003227A2 (hu) 2001-02-28
KR20010014257A (ko) 2001-02-26

Similar Documents

Publication Publication Date Title
EP0985203B1 (en) Key transformation unit for an ic card
KR100768754B1 (ko) 휴대용 전자식 청구 및 인증 장치와 이를 위한 방법
US6230267B1 (en) IC card transportation key set
EP0981807B1 (en) Integrated circuit card with application history list
US7730311B2 (en) Key transformation unit for a tamper resistant module
US7516884B2 (en) Method and system for private information exchange in smart card commerce
US20170053273A1 (en) Payment processing system using encrypted payment information, and method therefor
CN105160242B (zh) 一种读卡器的证书加载方法、证书更新方法及读卡器
SK176199A3 (en) Payment process and system
CN101329786B (zh) 移动终端获取银行卡磁道信息或支付应用的方法及系统
CN102696047A (zh) 加密切换处理
CN105117963A (zh) 基于数字签名的装置和方法
CN104182875A (zh) 一种支付方法和系统
CN101330675A (zh) 一种移动支付终端设备
EP1053536A1 (en) System and method for controlling access to computer code in an ic card
KR100642940B1 (ko) 스마트카드의 인증 데이터 전송 시스템 및 방법
KR20130082845A (ko) 마스터키 생성이 가능한 금융자동화기기 및 이를 구현하는 방법
WO1998029983A1 (en) Transaction key generation system
JP3693709B2 (ja) 携帯可能情報記録媒体に対する情報書込/読出方法
AU772372B2 (en) System and method for global internet digital identification
AU723525B2 (en) A method for certifying a running total in a reader
CZ472699A3 (cs) Způsob a zařízení pro platby
KR20000063481A (ko) 인터넷 전자상거래를 위한 카드
ZA200202364B (en) System and method for global internet digital identification.