WO2004100094A3 - Systeme et procede pour l'utilisation d'interfaces api ouvertes permettant de mettre en oeuvre des politiques de securite integrees pour la gestion flexible et la personnalisation d'instruments de paiement - Google Patents

Systeme et procede pour l'utilisation d'interfaces api ouvertes permettant de mettre en oeuvre des politiques de securite integrees pour la gestion flexible et la personnalisation d'instruments de paiement Download PDF

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Publication number
WO2004100094A3
WO2004100094A3 PCT/US2004/013378 US2004013378W WO2004100094A3 WO 2004100094 A3 WO2004100094 A3 WO 2004100094A3 US 2004013378 W US2004013378 W US 2004013378W WO 2004100094 A3 WO2004100094 A3 WO 2004100094A3
Authority
WO
WIPO (PCT)
Prior art keywords
payment
payment card
customization
issuer
security policies
Prior art date
Application number
PCT/US2004/013378
Other languages
English (en)
Other versions
WO2004100094A2 (fr
Inventor
Carl A Gunter
Rajeev Alur
Alwyn Goodloe
Michael Mcdougall
Original Assignee
Univ Pennsylvania
Carl A Gunter
Rajeev Alur
Alwyn Goodloe
Michael Mcdougall
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 Univ Pennsylvania, Carl A Gunter, Rajeev Alur, Alwyn Goodloe, Michael Mcdougall filed Critical Univ Pennsylvania
Publication of WO2004100094A2 publication Critical patent/WO2004100094A2/fr
Publication of WO2004100094A3 publication Critical patent/WO2004100094A3/fr

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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
    • 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
    • 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
    • G06Q20/40—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
    • G06Q20/403—Solvency checks
    • 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
    • G06Q20/403—Solvency checks
    • G06Q20/4037—Remote solvency 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

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • Accounting & Taxation (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Security & Cryptography (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Stored Programmes (AREA)

Abstract

L'invention concerne un système et un procédé pour l'amélioration de la flexibilité d'instruments de paiement, du type cartes de paiement, en cas d'utilisation par des entreprises. Ainsi, un premier émetteur permet à un second émetteur et/ou utilisateur de la carte de paiement d'élaborer des politiques spécialisées pour l'utilisation de cette carte. En l'occurrence, les politiques du second émetteur n'ont pas besoin d'être connues ou gérées par le premier émetteur parce qu'elles sont mises en oeuvre via la carte proprement dite, au moment de son utilisation dans un système de paiement en ligne. La carte de paiement a une configuration d'interfaces API ouvertes qui permettent à un second émetteur et/ou utilisateur de programmer en supplément des politiques de contrôle des utilisations possibles de la carte. Des filtres de gestion affinée sont mis en oeuvre par le processeur de la carte de paiement, permettant de rejeter des transactions non conformes à au moins une politique de la carte. Un cadre de gestion de politique reposant sur un modèle formel concis appelé «automate de politique» permet de personnaliser avec fiabilité la carte par modélisation officielle des calculs d'acceptation ou de rejet d'accès à une ressource. Ce cadre combine une logique non monotone avec des machines d'état, représentant des politiques complexes comme combinaisons de politiques modulaires plus simples. On utilise le modèle dans un cadre permettant de spécifier, de fusionner et d'analyser des politiques modulaires. Les données des «automates de politique» sont analysées, permettant de révéler les conflits potentiels ou les redondances potentielles, puis elles sont compilées, par exemple en mini-applications Java Card, aux fins de mise en oeuvre dans le processeur de la carte de paiement. Ainsi, les politiques de la carte de paiement peuvent être modifiées par quelqu'un d'autre que le premier émetteur, mais avec le maintien des caractéristiques de paiement sécurisées de la carte dans le système de paiement en ligne.
PCT/US2004/013378 2003-05-01 2004-04-30 Systeme et procede pour l'utilisation d'interfaces api ouvertes permettant de mettre en oeuvre des politiques de securite integrees pour la gestion flexible et la personnalisation d'instruments de paiement WO2004100094A2 (fr)

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
US46707303P 2003-05-01 2003-05-01
US60/467,073 2003-05-01
US48831303P 2003-07-18 2003-07-18
US60/488,313 2003-07-18

Publications (2)

Publication Number Publication Date
WO2004100094A2 WO2004100094A2 (fr) 2004-11-18
WO2004100094A3 true WO2004100094A3 (fr) 2005-03-03

Family

ID=33436718

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2004/013378 WO2004100094A2 (fr) 2003-05-01 2004-04-30 Systeme et procede pour l'utilisation d'interfaces api ouvertes permettant de mettre en oeuvre des politiques de securite integrees pour la gestion flexible et la personnalisation d'instruments de paiement

Country Status (1)

Country Link
WO (1) WO2004100094A2 (fr)

Families Citing this family (13)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7945238B2 (en) 2007-06-28 2011-05-17 Kajeet, Inc. System and methods for managing the utilization of a communications device
US8929857B2 (en) 2007-06-28 2015-01-06 Kajeet, Inc. Policy management of electronic devices
US8099711B2 (en) 2008-01-08 2012-01-17 International Business Machines Corporation System and method for multi-level security filtering of model representations
US8756082B1 (en) 2008-11-25 2014-06-17 Allstate Insurance Company Virtuous cycle business growth
CN102025710B (zh) * 2009-09-11 2015-11-25 中国银联股份有限公司 多应用智能卡及智能卡多应用管理系统和方法
WO2013040196A2 (fr) 2011-09-14 2013-03-21 Immunovative Therapies, Ltd. Dispositif automatisé de délivrance de médicaments biologiques
US9137389B2 (en) 2011-11-08 2015-09-15 Kajeet, Inc. Master limits and filters for electronic devices
US8918080B2 (en) 2012-01-17 2014-12-23 Kajeet, Inc. Mobile device management
US10757267B2 (en) 2013-06-13 2020-08-25 Kajeet, Inc. Platform for enabling sponsors to sponsor functions of a computing device
US10313532B2 (en) 2013-06-13 2019-06-04 Kajeet, Inc. Platform for enabling users to sign up for sponsored functions on computing devices
CN110088754B (zh) 2016-10-26 2023-04-28 联邦科学和工业研究组织 立法到逻辑的自动编码器
EP3321838B1 (fr) * 2016-11-14 2019-07-17 Giesecke+Devrient Mobile Security GmbH Plate-forme de carte java et sécurité d'applet
CN115333832A (zh) * 2022-08-12 2022-11-11 格尔软件股份有限公司 访问权限判断方法、装置、计算机设备和存储介质

Citations (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5963924A (en) * 1996-04-26 1999-10-05 Verifone, Inc. System, method and article of manufacture for the use of payment instrument holders and payment instruments in network electronic commerce

Patent Citations (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5963924A (en) * 1996-04-26 1999-10-05 Verifone, Inc. System, method and article of manufacture for the use of payment instrument holders and payment instruments in network electronic commerce

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