WO2003083793A3 - System and method for secure credit and debit card transactions - Google Patents

System and method for secure credit and debit card transactions Download PDF

Info

Publication number
WO2003083793A3
WO2003083793A3 PCT/GB2003/001075 GB0301075W WO03083793A3 WO 2003083793 A3 WO2003083793 A3 WO 2003083793A3 GB 0301075 W GB0301075 W GB 0301075W WO 03083793 A3 WO03083793 A3 WO 03083793A3
Authority
WO
WIPO (PCT)
Prior art keywords
customer
security string
merchant
pin
host computer
Prior art date
Application number
PCT/GB2003/001075
Other languages
French (fr)
Other versions
WO2003083793A2 (en
Inventor
Winston Donald Keech
Original Assignee
Swivel Technologies Ltd
Winston Donald Keech
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
Priority claimed from GB0207705A external-priority patent/GB2387253B/en
Priority to EP03715081A priority Critical patent/EP1490846A2/en
Priority to EA200401187A priority patent/EA006395B1/en
Priority to BR0308965-7A priority patent/BR0308965A/en
Priority to MXPA04009725A priority patent/MXPA04009725A/en
Priority to NZ535428A priority patent/NZ535428A/en
Application filed by Swivel Technologies Ltd, Winston Donald Keech filed Critical Swivel Technologies Ltd
Priority to AU2003219276A priority patent/AU2003219276A1/en
Priority to KR10-2004-7015698A priority patent/KR20040095363A/en
Priority to CA002505920A priority patent/CA2505920A1/en
Priority to JP2003581137A priority patent/JP2005521961A/en
Publication of WO2003083793A2 publication Critical patent/WO2003083793A2/en
Publication of WO2003083793A3 publication Critical patent/WO2003083793A3/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
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G06Q20/023—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] the neutral party being a clearing house
    • 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
    • G06Q20/30—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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/388—Payment protocols; Details thereof using mutual authentication without cards, e.g. challenge-response
    • 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
    • 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
    • G06Q20/4097—Device specific authentication in transaction processing using mutual authentication between devices and transaction partners
    • G06Q20/40975—Device specific authentication in transaction processing using mutual authentication between devices and transaction partners using encryption therefor
    • 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
    • G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

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 Security & Cryptography (AREA)
  • Finance (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)

Abstract

There is disclosed a method and system for conducting secure credit and debit card transactions between a customer and a merchant. The customer is issued with a pseudorandom security string by a host computer, the security string being sent to the customer's mobile telephone. A cryptographic algorithm running in a SIM card of the mobile telephone performs a hash on the security string or the One Time Code extracted from the security string, a customer PIN and a transaction amount, these last two items being entered by way of a keypad of the mobile telephone. A three-digit response code is generated by the algorithm and then passed to the merchant. The merchant then transmits the response code, transaction amount and a customer account number (card number) to the host computer, where the pseudorandom security string and PIN are retrieved from memory. The host computer then applies the same algorithm to the security string, PIN and transaction amount so as to generate a check code, and if the check code matches the response code transmitted by the merchant, the transaction is authorised.
PCT/GB2003/001075 2002-04-03 2003-03-14 System and method for secure credit and debit card transactions WO2003083793A2 (en)

Priority Applications (9)

Application Number Priority Date Filing Date Title
JP2003581137A JP2005521961A (en) 2002-04-03 2003-03-14 System and method for secure transaction of credit and debit cards
EA200401187A EA006395B1 (en) 2002-04-03 2003-03-14 System and method for secure credit and debit card transactions
BR0308965-7A BR0308965A (en) 2002-04-03 2003-03-14 System and method for secure credit and / or debit card transaction
MXPA04009725A MXPA04009725A (en) 2002-04-03 2003-03-14 System and method for secure credit and debit card transactions.
NZ535428A NZ535428A (en) 2002-04-03 2003-03-14 System and method for secure credit and debit card transactions using dynamic random CVV2 code to mobile communications device
EP03715081A EP1490846A2 (en) 2002-04-03 2003-03-14 System and method for secure credit and debit card transactions
AU2003219276A AU2003219276A1 (en) 2002-04-03 2003-03-14 System and method for secure credit and debit card transactions
KR10-2004-7015698A KR20040095363A (en) 2002-04-03 2003-03-14 System and method for secure credit and debit card transactions
CA002505920A CA2505920A1 (en) 2002-04-03 2003-03-14 System and method for secure credit and debit card transactions

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
GB0207705.5 2002-04-03
GB0207705A GB2387253B (en) 2002-04-03 2002-04-03 System and method for secure credit and debit card transactions
US10/131,489 2002-04-25
US10/131,489 US20030191945A1 (en) 2002-04-03 2002-04-25 System and method for secure credit and debit card transactions

Publications (2)

Publication Number Publication Date
WO2003083793A2 WO2003083793A2 (en) 2003-10-09
WO2003083793A3 true WO2003083793A3 (en) 2003-12-31

Family

ID=28676501

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/GB2003/001075 WO2003083793A2 (en) 2002-04-03 2003-03-14 System and method for secure credit and debit card transactions

Country Status (11)

Country Link
EP (1) EP1490846A2 (en)
JP (1) JP2005521961A (en)
CN (1) CN1672180A (en)
AU (1) AU2003219276A1 (en)
BR (1) BR0308965A (en)
CA (1) CA2505920A1 (en)
EA (1) EA006395B1 (en)
MX (1) MXPA04009725A (en)
NZ (1) NZ535428A (en)
TW (1) TWI229279B (en)
WO (1) WO2003083793A2 (en)

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Also Published As

Publication number Publication date
CN1672180A (en) 2005-09-21
BR0308965A (en) 2005-02-01
AU2003219276A1 (en) 2003-10-13
TWI229279B (en) 2005-03-11
NZ535428A (en) 2006-08-31
CA2505920A1 (en) 2003-10-09
EP1490846A2 (en) 2004-12-29
TW200306483A (en) 2003-11-16
EA006395B1 (en) 2005-12-29
WO2003083793A2 (en) 2003-10-09
MXPA04009725A (en) 2005-07-14
EA200401187A1 (en) 2005-04-28
JP2005521961A (en) 2005-07-21

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