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Method and system for performing a transaction using a dynamic authorization code

Info

Publication number
WO2006053191A3
WO2006053191A3 PCT/US2005/040882 US2005040882W WO2006053191A3 WO 2006053191 A3 WO2006053191 A3 WO 2006053191A3 US 2005040882 W US2005040882 W US 2005040882W WO 2006053191 A3 WO2006053191 A3 WO 2006053191A3
Authority
WO
Grant status
Application
Patent type
Prior art keywords
method
pin
existing
transaction
dynamic
Prior art date
Application number
PCT/US2005/040882
Other languages
French (fr)
Other versions
WO2006053191A2 (en )
Inventor
John Wankmueller
Original Assignee
Mastercard International Inc
John Wankmueller
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

Links

Classifications

    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING 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
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00Network architectures or network communication protocols for network security
    • H04L63/08Network architectures or network communication protocols for network security for supporting authentication of entities communicating through a packet data network
    • H04L63/083Network architectures or network communication protocols for network security for supporting authentication of entities communicating through a packet data network using passwords
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00Cryptographic mechanisms or cryptographic arrangements for secret or secure communication
    • H04L9/32Cryptographic mechanisms or cryptographic arrangements for secret or secure communication including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
    • H04L9/3226Cryptographic mechanisms or cryptographic arrangements for secret or secure communication including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials using a predetermined code, e.g. password, passphrase or PIN
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L2209/00Additional information or applications relating to cryptographic mechanisms or cryptographic arrangements for secret or secure communication H04L9/00
    • H04L2209/56Financial cryptography, e.g. electronic payment or e-cash

Abstract

A method and apparatus for conducting a transaction involving transmission of a dynamic authentication code (201) in place of a sta PIN block using currently existing messaging standards or PIN acceptance devices (203). Minimal changes to existing processes an equipment are made while greatly improving security and fraud minimization, (fig. 2).
PCT/US2005/040882 2004-11-10 2005-11-10 Method and system for performing a transaction using a dynamic authorization code WO2006053191A3 (en)

Priority Applications (2)

Application Number Priority Date Filing Date Title
US62664904 true 2004-11-10 2004-11-10
US60/626,649 2004-11-10

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
US11746765 US8527427B2 (en) 2004-11-10 2007-05-10 Method and system for performing a transaction using a dynamic authorization code

Related Child Applications (1)

Application Number Title Priority Date Filing Date
US11746765 Continuation US8527427B2 (en) 2004-11-10 2007-05-10 Method and system for performing a transaction using a dynamic authorization code

Publications (2)

Publication Number Publication Date
WO2006053191A2 true WO2006053191A2 (en) 2006-05-18
WO2006053191A3 true true WO2006053191A3 (en) 2007-02-22

Family

ID=36337243

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2005/040882 WO2006053191A3 (en) 2004-11-10 2005-11-10 Method and system for performing a transaction using a dynamic authorization code

Country Status (2)

Country Link
US (1) US8527427B2 (en)
WO (1) WO2006053191A3 (en)

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US7740168B2 (en) 2003-08-18 2010-06-22 Visa U.S.A. Inc. Method and system for generating a dynamic verification value
US9065643B2 (en) 2006-04-05 2015-06-23 Visa U.S.A. Inc. System and method for account identifier obfuscation
US7934099B2 (en) * 2006-02-27 2011-04-26 Bdc-Edv Consulting Gmbh Device and method for generating digital signatures
US8959596B2 (en) * 2006-06-15 2015-02-17 Microsoft Technology Licensing, Llc One-time password validation in a multi-entity environment
US7818264B2 (en) 2006-06-19 2010-10-19 Visa U.S.A. Inc. Track data encryption
US20080005039A1 (en) * 2006-06-20 2008-01-03 Utstarcom, Inc. Decryption of Personal Identification Number & Forwarding Method and Apparatus
KR20090086979A (en) 2006-10-03 2009-08-14 마스터카드 인터내셔날, 인코포레이티드 Proxy authentication methods and apparatus
US8190746B2 (en) * 2006-11-30 2012-05-29 Red Hat, Inc. Explicit casualty control in a client/server system
GB2442249B (en) * 2007-02-20 2008-09-10 Cryptomathic As Authentication device and method
US9846866B2 (en) * 2007-02-22 2017-12-19 First Data Corporation Processing of financial transactions using debit networks
US7849014B2 (en) * 2007-08-29 2010-12-07 American Express Travel Related Services Company, Inc. System and method for facilitating a financial transaction with a dynamically generated identifier
US9747598B2 (en) * 2007-10-02 2017-08-29 Iii Holdings 1, Llc Dynamic security code push
US20100051686A1 (en) * 2008-08-29 2010-03-04 Covenant Visions International Limited System and method for authenticating a transaction using a one-time pass code (OTPK)
US20100217708A1 (en) * 2009-02-26 2010-08-26 Arthur Vanmoor Superior identification system using numbers
US20110119190A1 (en) * 2009-11-18 2011-05-19 Magid Joseph Mina Anonymous transaction payment systems and methods
US20120233004A1 (en) * 2011-03-11 2012-09-13 James Bercaw System for mobile electronic commerce
EP2702743A1 (en) * 2011-04-28 2014-03-05 Telefonaktiebolaget LM Ericsson (PUBL) Account linkage in machine-to-machine scenarios
US20120303534A1 (en) * 2011-05-27 2012-11-29 Tomaxx Gmbh System and method for a secure transaction
US20130054461A1 (en) * 2011-08-23 2013-02-28 Infosys Limited Methods, systems, and computer-readable media for electronic financial transfers
US9727862B2 (en) * 2012-05-08 2017-08-08 Visa International Service Association System and method for authentication using payment protocol
US20140279554A1 (en) * 2013-03-12 2014-09-18 Seth Priebatsch Distributed authenticity verification for consumer payment transactions
US8770478B2 (en) 2013-07-11 2014-07-08 Scvngr, Inc. Payment processing with automatic no-touch mode selection
US20150112871A1 (en) * 2013-10-21 2015-04-23 Phillip Kumnick Multi-network token bin routing with defined verification parameters
DE102013019870A1 (en) 2013-11-28 2015-05-28 Friedrich Kisters Authentication and / or identification method in a communication network
US20150347965A1 (en) * 2014-05-29 2015-12-03 Ebay Inc. Systems and methods for reporting compromised card accounts
EP3203428A1 (en) * 2016-02-05 2017-08-09 InnoTech Group Inc. Transaction processing system and process

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US20040022444A1 (en) * 1993-11-18 2004-02-05 Rhoads Geoffrey B. Authentication using a digital watermark
US6957185B1 (en) * 1999-02-25 2005-10-18 Enco-Tone, Ltd. Method and apparatus for the secure identification of the owner of a portable device
US20060016606A1 (en) * 2004-07-22 2006-01-26 Tubel Paulo S Methods and apparatus for in situ generation of power for devices deployed in a tubular

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US5168446A (en) * 1989-05-23 1992-12-01 Telerate Systems Incorporated System for conducting and processing spot commodity transactions
GB9518564D0 (en) * 1995-09-12 1995-11-15 Ibm Support for application programs in a distributed environment
US5988497A (en) * 1996-05-30 1999-11-23 Mci Communications Corporation Method for authenticating credit transactions to prevent fraudulent charges
US6000832A (en) * 1997-09-24 1999-12-14 Microsoft Corporation Electronic online commerce card with customer generated transaction proxy number for online transactions
US6606387B1 (en) * 1998-03-20 2003-08-12 Trusted Security Solutions, Inc. Secure establishment of cryptographic keys
US20020043566A1 (en) * 2000-07-14 2002-04-18 Alan Goodman Transaction card and method for reducing frauds
US9143477B2 (en) * 2000-10-25 2015-09-22 Syniverse Icx Corporation Address recognition database
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US7526652B2 (en) * 2003-09-04 2009-04-28 Accullink, Inc. Secure PIN management
US8186586B2 (en) * 2009-06-05 2012-05-29 Datacard Corporation System, method, and apparatus for smart card pin management via an unconnected reader

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20040022444A1 (en) * 1993-11-18 2004-02-05 Rhoads Geoffrey B. Authentication using a digital watermark
US5892900A (en) * 1996-08-30 1999-04-06 Intertrust Technologies Corp. Systems and methods for secure transaction management and electronic rights protection
US6957185B1 (en) * 1999-02-25 2005-10-18 Enco-Tone, Ltd. Method and apparatus for the secure identification of the owner of a portable device
US20060016606A1 (en) * 2004-07-22 2006-01-26 Tubel Paulo S Methods and apparatus for in situ generation of power for devices deployed in a tubular

Also Published As

Publication number Publication date Type
US20070260544A1 (en) 2007-11-08 application
US8527427B2 (en) 2013-09-03 grant
WO2006053191A2 (en) 2006-05-18 application

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