WO1999042961A1 - Procede de paiement par l'intermediaire d'internet - Google Patents

Procede de paiement par l'intermediaire d'internet Download PDF

Info

Publication number
WO1999042961A1
WO1999042961A1 PCT/NL1999/000060 NL9900060W WO9942961A1 WO 1999042961 A1 WO1999042961 A1 WO 1999042961A1 NL 9900060 W NL9900060 W NL 9900060W WO 9942961 A1 WO9942961 A1 WO 9942961A1
Authority
WO
WIPO (PCT)
Prior art keywords
computer application
card
computer
message
user
Prior art date
Application number
PCT/NL1999/000060
Other languages
English (en)
Inventor
Fokko Leonard Snoek
Original Assignee
Snoek Holding Zoetermeer B.V.
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 Snoek Holding Zoetermeer B.V. filed Critical Snoek Holding Zoetermeer B.V.
Priority to AU24416/99A priority Critical patent/AU2441699A/en
Publication of WO1999042961A1 publication Critical patent/WO1999042961A1/fr

Links

Classifications

    • 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
    • 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
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • 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
    • G06Q20/22—Payment schemes or models
    • G06Q20/28—Pre-payment schemes, e.g. "pay before"
    • 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

Definitions

  • the present invention relates to a method for processing a transaction between a first computer application and a second computer application. More specifically, the invention relates to a method for processing a transaction via a network, such as the Internet.
  • the first computer application is, for example, implemented on a computer of a supplier of services and/or products and the second computer application can be implemented on a computer of a user who can be connected via the network to the supplier's computer, so that the user is able to view and order services and/or products.
  • a second aspect of the invention relates to the provision of a medium that contains the data needed to carry out the method according to the invention.
  • a secure and reliable method of paying for the services and/or products purchased is crucial in the case of transactions of this type.
  • a known method of payment via, for example, the Internet is to pass on the card number and the expiry date of a credit card, after which the supplier who supplies the service and/or the product is then paid by the credit card company.
  • Another known method of payment is to open a customer account for the supply of services or products with a supplier.
  • the customer is then able to order services and/or products from the supplier via, for example, the Internet, provided that he/she has sufficient credit in his/her account.
  • he/she will then have to enter a user name and a password when ordering.
  • the object of the present invention is to provide a method for processing a transaction which does not have the said disadvantages of the known methods.
  • the third computer application is, for example, implemented on a computer belonging to a body which issues the cards and conducts the transactions.
  • the codes and numbers associated with a card are known only to the body which implements the third computer application and are specified on a card which is in the possession of the user who uses the second computer application to make payments.
  • the advantage of the method for processing a transaction between a first computer 3 application and a second computer application according to the present invention is that there is no requirement for registration of the user with the supplier and the body which issues the cards, which gives a guarantee of privacy and, if desired, anonymity.
  • the card can be used to conduct transactions, as a result of which the method is suitable for occasional and impulse purchases.
  • the method is suitable for transactions where payment is made in currency, but also for transactions where other units are used (for example x accesses to a database, y games, z weather reports).
  • the method according to the invention is suitable for both credit and debit transactions.
  • Tapping data traffic is thus virtually pointless because a different security code can be used for a subsequent transaction with the same card.
  • the level of security can be tailored to the desired requirements.
  • the security codes can be made longer or, on the contrary, shorter and the number of security codes specified on the card can be increased or reduced.
  • the risk of messages being tapped, misuse or loss is always restricted to the value of the outstanding balance on the card and not, as in the case of a credit card, to the credit limit of the card.
  • steps (c) to (f) of the method can be repeated with another card.
  • the computer applications are implemented on at least two computers which are linked to one another via a network, for example, the Internet.
  • the first and third computer applications are then, for example, both 4 implemented on a computer located on the supplier's premises, which, for example, can be linked via the Internet to a user's computer on which the second computer application is implemented.
  • the supplier can also be the body which issues the cards and processes the transactions.
  • the third computer application also includes at least one verification code associated with the card number in the fourth message in step (d) and in step (e) the second computer application also asks for confirmation that the at least one verification code transmitted corresponds to the at least one verification code specified on the card and the latter application includes the result of this in the fifth message.
  • This embodiment has the advantage that bilateral authorisation takes place. There is not only a check to determine whether the user is authorised to make payments, there is also a check to determine whether the body which is processing the transactions (with the aid of the third computer application) is authorised.
  • the fourth message contains the amount to be paid and/or the balance on the card and the second computer application displays the amount to be paid and/or the balance on the card to the user after receipt of the fourth message. This provides the user with additional ease of use and a further possibility for checking the transaction.
  • each message is provided with a transaction identifier. This makes it possible for the third computer application to process multiple transactions simultaneously.
  • the contents or part of the contents of one or more of the messages are/is encrypted, so that the contents of the messages cannot be decoded by others. This makes it possible to provide security for the exchange of messages if necessary.
  • the level of security which is considered necessary can be adapted by selecting a specific type of encryption.
  • a second aspect of the invention relates to a medium which is suitable for performing the method according to the invention, characterised in that the medium contains at least 5 one card number and at least one security code with associated serial number.
  • a further embodiment of the medium also contains at least one verification code.
  • the medium according to the present invention is constructed in the form of a printed card, the data being printed on the card. It is also possible to specify the data on a card in such a way that said data can be read with the aid of generally available equipment. In this context consideration can be given to a magnetic card, a smart card or a card provided with barcodes.
  • the medium is constructed as a computer-readable medium, such as, for example, a diskette or a CD-ROM.
  • Fig. 1 shows a preferred embodiment of a card containing the data which a user requires in order to be able to perform the method according to the invention
  • Fig. 2 shows a diagram of the systems involved in a transaction according to the present invention.
  • Fig. 1 shows a preferred embodiment of a card 1 containing the data which a user requires in order to be able to perform the method according to the invention.
  • the card 1 specifies a card number 2 (which can be a numeral or an alphanumeric sequence) and several, in this case six, arbitrarily chosen security codes 4, which are indicated by a serial number 3.
  • the card 1 specifies a verification code 5.
  • the numbers associated with a card (card number 2, security codes 4 with associated serial number 3 and the verification code 5) are otherwise known only to the body which issues the cards 1 and performs the transactions.
  • the card 1 is a small-format card with the data required for performing the method according to the invention printed thereon. It is also possible to specify the data on a card in such a way that said data can be read with the aid of generally obtainable equipment. In this context consideration can be given to a magnetic card, a smart card or a card provided with barcodes.
  • the data which are needed to perform the method according to the 6 invention are stored on a computer-readable medium, such as, for example, a diskette or a CD-ROM.
  • Fig. 2 shows a diagram of the systems involved in a payment in accordance with the method of the present invention.
  • a supplier's computer 11, which runs the first computer application, a user's computer 12, which runs the second computer application, and a transaction computer 13, which runs the third computer application, are shown.
  • the computers 11, 12, 13 are linked to one another via a network 10, for example the Internet.
  • the computers are generally known computers which are provided with input means such as a mouse and keyboard and a monitor for displaying information. It will be obvious to a person skilled in the art that the communication between the transaction computer 13 and the user's computer 12 can also proceed via the supplier's computer 11. It will also be obvious that the supplier himself can be the body which issues the cards 1 and performs the transactions.
  • the first and third computer applications can then be implemented on one computer.
  • the user Via the network 10, the user is connected, with the aid of the user's computer 12, to a supplier's computer 11 and is able, for example with the aid of a further computer application, to use the supplier's computer 11 to view what services and/or products are offered by the supplier.
  • a payment module on the transaction computer 13 is activated from the further computer application on the supplier's computer 11 by transmitting a first message. By means of this transmission the sum or the number of units to be paid is/are passed on by the first computer application on the supplier's computer 11.
  • the payment module on the transaction computer 13 activates a payment module on the user's computer 12 which asks the user to enter the card number 2.
  • This information is transmitted in a third message to the payment module on the transaction computer 13, which checks whether the card number has an active status.
  • the payment module on the transaction computer 13 then compiles a fourth message for the payment module on the user's computer 12, which message incorporates at least the serial number 3, selected by the payment module on the transaction computer 13, of the security code 4 to be checked and an alphanumeric value of arbitrary composition.
  • the payment module on the user's computer 12 will ask the user to enter the security code 4 which has the serial number 3 indicated in the message from the transaction computer 13.
  • the alphanumeric value of arbitrary composition 7 received in the fourth message from the transaction computer 13 is, if necessary, encrypted by the payment module on the user's computer 12 with the aid of the security code 4 entered. Said encrypted value is sent back by the user's computer 12 in a fifth message to the transaction computer 13, where it is compared with an encrypted value that has been calculated by the payment module on the transaction computer 13. If the received and calculated encrypted values are identical, this confirms that the user has entered the correct security code 4.
  • the payment module on the transaction computer 13 will send a sixth message to the payment module on the user's computer 12 to confirm that payment has been made. Furthermore, the payment module on the transaction computer 13 sends the sixth message to the application on the supplier's computer 11 in which payment is confirmed.
  • steps (c) to (f) of the method can be repeated with another card 1.
  • the fourth message also contains a verification code 5 associated with the card number.
  • the user's computer 12 displays this verification code 5 to the user and asks the user to confirm that this code corresponds to the verification code 5 specified on the payment card 1.
  • the confirmation or denial of correspondence is then included by the user's computer 12 in the fifth message and transmitted to the transaction computer 13. This provides the user with an opportunity to check whether the transaction computer 13 is authorised to perform transactions.
  • the sum or the number of units to be paid and the current balance on the card are also included in said message. This is then displayed by the user's computer 12 for checking by the user.
  • all messages which are exchanged in the context of the method are provided with a transaction number. This simplifies the identification of a specific payment and makes it possible for the transaction computer 13 to handle multiple transactions simultaneously.
  • the contents or part of the contents of the messages which are exchanged in the method according to the invention can be encrypted by means of a suitable encryption mechanism.
  • the level of security can be chosen by selecting a specific type of encryption mechanism.

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

Abstract

L'invention porte sur un procédé permettant à un utilisateur d'effectuer une transaction relative à un service ou un produit fourni par un prestataire, par l'intermédiaire une tierce partie. Selon ledit procédé, le payeur est autorisé à faire exécuter la transaction par la tierce partie après vérification du numéro d'une carte (2) et d'un code de sécurité (4) associé, tandis que la tierce partie reçoit de l'utilisateur l'autorisation de recevoir le paiement après vérification du code de contrôle (5) associé au numéro (2) de la carte. Les données échangées et vérifiées sont portées sur une carte (1) ou tout autre support que l'utilisateur peut obtenir de la tierce partie.
PCT/NL1999/000060 1998-02-20 1999-02-08 Procede de paiement par l'intermediaire d'internet WO1999042961A1 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU24416/99A AU2441699A (en) 1998-02-20 1999-02-08 Method for payment via the internet

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
NL1008372 1998-02-20
NL1008372A NL1008372C2 (nl) 1998-02-20 1998-02-20 Werkwijze voor betalen via Internet.

Publications (1)

Publication Number Publication Date
WO1999042961A1 true WO1999042961A1 (fr) 1999-08-26

Family

ID=19766586

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/NL1999/000060 WO1999042961A1 (fr) 1998-02-20 1999-02-08 Procede de paiement par l'intermediaire d'internet

Country Status (3)

Country Link
AU (1) AU2441699A (fr)
NL (1) NL1008372C2 (fr)
WO (1) WO1999042961A1 (fr)

Cited By (18)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP1081919A1 (fr) * 1999-09-06 2001-03-07 GEBIT Gesellschaft für EDV-Beratung und Informatik-Technologien mbH Méthode pour donner une autorisation pour le payment de biens et/ou services achetés sur Internet dans des réseaux de transmission de données
EP1087350A1 (fr) * 1999-09-22 2001-03-28 Trintech Limited Méthode pour transferts de paiement sécurisés
WO2001022374A1 (fr) * 1999-09-22 2001-03-29 Trintech Limited Procede de transfert de paiements securise
FR2800493A1 (fr) * 1999-11-02 2001-05-04 Ian Tyrell Cully Procede de paiement rapide et securisant; titre de paiement permettant la mise en oeuvre d'un tel procede
WO2001048709A1 (fr) * 1999-12-28 2001-07-05 Takson Investments Ltd. Procedes et systemes informatiques pour applications de paiement
WO2001048708A1 (fr) * 1999-12-28 2001-07-05 Takson Investments Ltd. Procedes et systemes informatiques destines a des applications de paiements repetitifs
DE10003180A1 (de) * 2000-01-25 2001-07-26 Eduard Seleny Verfahren zur Absicherung der wirtschaftlichen Risiken von e-Commerce-Geschäften
WO2001069546A2 (fr) * 2000-03-16 2001-09-20 Daniel Thompson Carte d'achat prepayee et procede associe
GB2360866A (en) * 2000-03-28 2001-10-03 Cashthrough Com Internat Ltd Online payment method
WO2001078493A2 (fr) * 2000-04-17 2001-10-25 Verisign, Inc. Paiement authentifie
FR2820915A1 (fr) * 2001-02-09 2002-08-16 Interactive Avenue Methode de securisation d'une transaction commerciale au moyen d'une carte a memoire
EP1237130A1 (fr) * 2000-11-21 2002-09-04 Wolfgang Zint Méthode pour effectuer une transaction sans argent liquide
WO2003007233A1 (fr) * 2001-07-10 2003-01-23 Alessandro Soranzo Carte de credit a codes de securite
GB2379525A (en) * 2001-09-08 2003-03-12 Int Computers Ltd Electronic payment authorisation
WO2003040863A2 (fr) * 2001-11-08 2003-05-15 Ericsson Inc. Procede et appareil d'autorisation de transactions internet au moyen du reseau mobile terrestre public (rmtp)
EP1497947A2 (fr) * 2002-04-17 2005-01-19 Visa International Service Association Service d'authentification de compte mobile
US9864993B2 (en) 2000-04-24 2018-01-09 Visa International Service Association Account authentication service with chip card
US10672215B2 (en) 2002-09-10 2020-06-02 Visa International Service Association Data authentication and provisioning method and system

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EP0590861A2 (fr) * 1992-09-29 1994-04-06 AT&T Corp. Authorisation à haute sécurité d'une carte de débit/crédit
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EP0814441A1 (fr) * 1996-06-21 1997-12-29 France Telecom Procédé de prise en compte d'une demande d'utilisation d'une carte prépayée virtuelle permettant la réutilisation de son numéro de série

Patent Citations (7)

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Publication number Priority date Publication date Assignee Title
US5163098A (en) * 1990-09-06 1992-11-10 Dahbura Abbud S System for preventing fraudulent use of credit card
EP0590861A2 (fr) * 1992-09-29 1994-04-06 AT&T Corp. Authorisation à haute sécurité d'une carte de débit/crédit
US5477038A (en) * 1993-10-25 1995-12-19 Visa International Method and apparatus for distributing currency
US5650604A (en) * 1995-02-22 1997-07-22 Electronic Data Systems Corporation System and method for electronic transfer of funds using an automated teller machine to dispense the transferred funds
US5590197A (en) * 1995-04-04 1996-12-31 V-One Corporation Electronic payment system and method
US5692132A (en) * 1995-06-07 1997-11-25 Mastercard International, Inc. System and method for conducting cashless transactions on a computer network
EP0814441A1 (fr) * 1996-06-21 1997-12-29 France Telecom Procédé de prise en compte d'une demande d'utilisation d'une carte prépayée virtuelle permettant la réutilisation de son numéro de série

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SIRBU M ET AL: "NETBILL: AN INTERNET COMMERCE SYSTEM OPTIMIZED FOR NETWORK DELIVERED SERVICES", DIGEST OF PAPERS OF THE COMPUTER SOCIETY COMPUTER CONFERENCE (SPRING) COMPCON, TECHNOLOGIES FOR THE INFORMATION SUPERHIGHWAY SAN FRANCISCO, MAR. 5 - 9, 1995, no. CONF. 40, 5 March 1995 (1995-03-05), INSTITUTE OF ELECTRICAL AND ELECTRONICS ENGINEERS, pages 20 - 25, XP000577034 *

Cited By (35)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP1081919A1 (fr) * 1999-09-06 2001-03-07 GEBIT Gesellschaft für EDV-Beratung und Informatik-Technologien mbH Méthode pour donner une autorisation pour le payment de biens et/ou services achetés sur Internet dans des réseaux de transmission de données
EP1087350A1 (fr) * 1999-09-22 2001-03-28 Trintech Limited Méthode pour transferts de paiement sécurisés
WO2001022374A1 (fr) * 1999-09-22 2001-03-29 Trintech Limited Procede de transfert de paiements securise
FR2800493A1 (fr) * 1999-11-02 2001-05-04 Ian Tyrell Cully Procede de paiement rapide et securisant; titre de paiement permettant la mise en oeuvre d'un tel procede
WO2001033518A1 (fr) * 1999-11-02 2001-05-10 Ian Tyrell Cully Procede de paiement rapide et securisant; titre de paiement permettant la mise en oeuvre d'un tel procede
WO2001048709A1 (fr) * 1999-12-28 2001-07-05 Takson Investments Ltd. Procedes et systemes informatiques pour applications de paiement
WO2001048708A1 (fr) * 1999-12-28 2001-07-05 Takson Investments Ltd. Procedes et systemes informatiques destines a des applications de paiements repetitifs
DE10003180A1 (de) * 2000-01-25 2001-07-26 Eduard Seleny Verfahren zur Absicherung der wirtschaftlichen Risiken von e-Commerce-Geschäften
WO2001069546A2 (fr) * 2000-03-16 2001-09-20 Daniel Thompson Carte d'achat prepayee et procede associe
US7134594B2 (en) * 2000-03-16 2006-11-14 Daniel Thompson Pre-paid purchasing card and method
WO2001069546A3 (fr) * 2000-03-16 2002-01-10 Daniel Thompson Carte d'achat prepayee et procede associe
GB2360866A (en) * 2000-03-28 2001-10-03 Cashthrough Com Internat Ltd Online payment method
WO2001078493A2 (fr) * 2000-04-17 2001-10-25 Verisign, Inc. Paiement authentifie
WO2001078493A3 (fr) * 2000-04-17 2002-04-04 Verisign Inc Paiement authentifie
US7983993B2 (en) 2000-04-17 2011-07-19 Verisign, Inc. Authenticated payment
US7778934B2 (en) 2000-04-17 2010-08-17 Verisign, Inc. Authenticated payment
US10572875B2 (en) 2000-04-24 2020-02-25 Visa International Service Association Online account authentication service
US9864993B2 (en) 2000-04-24 2018-01-09 Visa International Service Association Account authentication service with chip card
EP1237130A1 (fr) * 2000-11-21 2002-09-04 Wolfgang Zint Méthode pour effectuer une transaction sans argent liquide
FR2820915A1 (fr) * 2001-02-09 2002-08-16 Interactive Avenue Methode de securisation d'une transaction commerciale au moyen d'une carte a memoire
WO2002065411A2 (fr) * 2001-02-09 2002-08-22 S.A.R.L. Interactive Avenue Methode et systeme de securisation d'une transaction commerciale au moyen d'une carte a memoire
WO2002065411A3 (fr) * 2001-02-09 2007-11-08 R L Interactive Avenue Sa Methode et systeme de securisation d'une transaction commerciale au moyen d'une carte a memoire
WO2003007233A1 (fr) * 2001-07-10 2003-01-23 Alessandro Soranzo Carte de credit a codes de securite
GB2379525A (en) * 2001-09-08 2003-03-12 Int Computers Ltd Electronic payment authorisation
US7337229B2 (en) 2001-11-08 2008-02-26 Telefonktiebolaget Lm Ericsson (Publ) Method and apparatus for authorizing internet transactions using the public land mobile network (PLMN)
WO2003040863A3 (fr) * 2001-11-08 2004-05-27 Ericsson Inc Procede et appareil d'autorisation de transactions internet au moyen du reseau mobile terrestre public (rmtp)
WO2003040863A2 (fr) * 2001-11-08 2003-05-15 Ericsson Inc. Procede et appareil d'autorisation de transactions internet au moyen du reseau mobile terrestre public (rmtp)
EP1497947A4 (fr) * 2002-04-17 2005-05-11 Visa Int Service Ass Service d'authentification de compte mobile
EP2056518A1 (fr) * 2002-04-17 2009-05-06 Visa International Service Association Service mobile d'authentification de comptes
US7707120B2 (en) 2002-04-17 2010-04-27 Visa International Service Association Mobile account authentication service
EP1497947A2 (fr) * 2002-04-17 2005-01-19 Visa International Service Association Service d'authentification de compte mobile
EP2278751A1 (fr) * 2002-04-17 2011-01-26 Visa International Service Association Service mobile d'authentification de comptes
US9769134B2 (en) 2002-04-17 2017-09-19 Visa International Service Association Mobile account authentication service
US10672215B2 (en) 2002-09-10 2020-06-02 Visa International Service Association Data authentication and provisioning method and system
US10679453B2 (en) 2002-09-10 2020-06-09 Visa International Service Association Data authentication and provisioning method and system

Also Published As

Publication number Publication date
AU2441699A (en) 1999-09-06
NL1008372C2 (nl) 1999-08-24

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