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CA2382696A1 - Procede et systeme ameliores permettant d'effectuer des paiements securises sur un reseau informatique - Google Patents

Procede et systeme ameliores permettant d'effectuer des paiements securises sur un reseau informatique Download PDF

Info

Publication number
CA2382696A1
CA2382696A1 CA002382696A CA2382696A CA2382696A1 CA 2382696 A1 CA2382696 A1 CA 2382696A1 CA 002382696 A CA002382696 A CA 002382696A CA 2382696 A CA2382696 A CA 2382696A CA 2382696 A1 CA2382696 A1 CA 2382696A1
Authority
CA
Canada
Prior art keywords
account number
spa
pseudo
key
expiration date
Prior art date
Legal status (The legal status 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 status listed.)
Abandoned
Application number
CA002382696A
Other languages
English (en)
Inventor
Edward J. Hogan
Carl M. Campbell
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Mastercard International Inc
Original Assignee
Individual
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 US09/809,367 external-priority patent/US9672515B2/en
Priority claimed from US09/833,049 external-priority patent/US7379919B2/en
Application filed by Individual filed Critical Individual
Publication of CA2382696A1 publication Critical patent/CA2382696A1/fr
Abandoned legal-status Critical Current

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 OR CALCULATING; 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
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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 OR CALCULATING; 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 OR CALCULATING; 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
    • G06Q20/08—Payment architectures
    • G06Q20/14—Payment architectures specially adapted for billing systems
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/24—Credit schemes, i.e. "pay after"
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3823—Payment protocols; Details thereof insuring higher security of transaction combining multiple encryption tools for a transaction
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3825—Use of electronic signatures
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • 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
    • 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

Landscapes

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

Abstract

La présente invention concerne un procédé sécurisé utile pour effectuer une transaction électronique sur un réseau de communications publiques dans lequel on utilise une date de pseudo-expiration dans le champ de date d'expiration d'une requête d'autorisation. Un des procédés préférés consiste à: générer une clé par carte associée à un numéro de compte; générer un code d'authentification de message au moyen de la clé par carte; convertir le code d'authentification de message en une date de pseudo-expiration; générer une requête d'autorisation pour la transaction, la requête ayant un champ de date d'expiration contenant la date de pseudo-expiration; et à vérifier le code d'authentification de message sur la base de la date de pseudo-expiration. Une autre forme de réalisation de cette invention comprend un procédé qui permet d'effectuer une transaction électronique sur un réseau de communications publiques, avec un numéro de compte pour le paiement ayant un numéro de pseudo-compte associé, ce procédé consistant à: a) utiliser le numéro de pseudo-compte avec un champ de commande indiquant un des divers processus de génération de clé devant être utilisé pour générer une clé d'authentification; b) générer une clé d'authentification associée au numéro de pseudo-compte au moyen d'un des divers processus de génération de clé indiqué dans le champ de commande du numéro de pseudo-compte; c) utiliser la clé d'authentification pour générer un code d'authentification de message spécifique à la transaction; d) générer un message de requête d'autorisation comprenant le code d'authentification et le numéro de pseudo-compte; et e) vérifier le code d'authentification du message à l'aide du processus de génération de clé indiqué et de la clé d'authentification.
CA002382696A 2000-06-21 2001-06-21 Procede et systeme ameliores permettant d'effectuer des paiements securises sur un reseau informatique Abandoned CA2382696A1 (fr)

Applications Claiming Priority (9)

Application Number Priority Date Filing Date Title
US21306300P 2000-06-21 2000-06-21
US60/213,063 2000-06-21
US22622700P 2000-08-18 2000-08-18
US60/226,227 2000-08-18
US09/809,367 2001-03-15
US09/809,367 US9672515B2 (en) 2000-03-15 2001-03-15 Method and system for secure payments over a computer network
US09/833,049 2001-04-11
US09/833,049 US7379919B2 (en) 2000-04-11 2001-04-11 Method and system for conducting secure payments over a computer network
PCT/US2001/019753 WO2001099070A2 (fr) 2000-06-21 2001-06-21 Procede et systeme ameliores permettant d'effectuer des paiements securises sur un reseau informatique

Publications (1)

Publication Number Publication Date
CA2382696A1 true CA2382696A1 (fr) 2001-12-27

Family

ID=27498921

Family Applications (1)

Application Number Title Priority Date Filing Date
CA002382696A Abandoned CA2382696A1 (fr) 2000-06-21 2001-06-21 Procede et systeme ameliores permettant d'effectuer des paiements securises sur un reseau informatique

Country Status (5)

Country Link
EP (1) EP1320839A2 (fr)
JP (1) JP5093957B2 (fr)
AU (1) AU781671B2 (fr)
CA (1) CA2382696A1 (fr)
WO (1) WO2001099070A2 (fr)

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20190385160A1 (en) * 2018-06-19 2019-12-19 Mastercard International Incorporated System and process for on-the-fly cardholder verification method selection
EP3853798B1 (fr) * 2018-09-21 2025-09-24 Mastercard International Incorporated Procédé de transaction de paiement utilisant une expiration de compte dynamique et un code de vérification de jeton dynamique

Families Citing this family (16)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP1503308B1 (fr) * 2002-01-31 2010-01-13 Servicios para Medios de Pago, S.A. Procede reversible de generation de cartes de paiement mutees au moyen d'un algorithme mathematique
EP1783708A1 (fr) * 2005-10-06 2007-05-09 First Data Corporation Méthode et système de transaction
NZ576259A (en) * 2006-09-15 2012-04-27 Visa Int Service Ass Method and system for cross-issuer registration of transaction cards
FR2914763B1 (fr) * 2007-04-06 2013-02-15 Grp Des Cartes Bancaires Cryptogramme dynamique
EP2026267A1 (fr) * 2007-07-31 2009-02-18 Nederlandse Organisatie voor toegepast- natuurwetenschappelijk onderzoek TNO Émission de bons d'échange électroniques
US8181861B2 (en) 2008-10-13 2012-05-22 Miri Systems, Llc Electronic transaction security system and method
CA2753576A1 (fr) * 2009-02-25 2010-09-02 Miri Systems, Llc Systeme et procede de paiement
IN2012DN03242A (fr) 2009-10-05 2015-10-23 Miri Systems Llc
US8762284B2 (en) * 2010-12-16 2014-06-24 Democracyontheweb, Llc Systems and methods for facilitating secure transactions
WO2018004679A1 (fr) * 2016-07-01 2018-01-04 American Express Travel Related Services Company, Inc. Systèmes et procédés de validation de transmissions sur des canaux de communication
KR102184807B1 (ko) * 2018-05-23 2020-11-30 신한카드 주식회사 Ars 기반의 사용자 인증을 처리하는 결제 장치 및 방법
EP3767569A1 (fr) * 2019-07-18 2021-01-20 Mastercard International Incorporated Procédé de transaction électronique et dispositif utilisant un identifiant de transactions flexible
EP3872733A1 (fr) 2020-02-26 2021-09-01 Mastercard International Incorporated Communication de données sensibles dans un canal de données restreint
GB2598108A (en) 2020-08-17 2022-02-23 Mastercard International Inc Card reader, smart card and method for processing a transaction
US12380431B2 (en) 2021-05-24 2025-08-05 Mastercard International Incorporated Systems, methods and computer program products for asynchronous authentication of digital wallet based payment transactions
US12288213B2 (en) 2022-03-16 2025-04-29 Mastercard International Incorporated Systems, methods and computer program products for secure contactless payment transactions

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JP2708083B2 (ja) * 1991-12-27 1998-02-04 国際電信電話株式会社 クレジットカード課金簡易ダイヤル操作サービス装置
WO1995016971A1 (fr) * 1993-12-16 1995-06-22 Open Market, Inc. Publicite numerique active
JPH07231367A (ja) * 1994-02-17 1995-08-29 Fujitsu Ltd パーソナル通信用クレジットカード課金サービス装置
US5826245A (en) * 1995-03-20 1998-10-20 Sandberg-Diment; Erik Providing verification information for a transaction
NL1001863C2 (nl) * 1995-12-08 1997-06-10 Nederland Ptt Werkwijze voor het beveiligd afwaarderen van een elektronisch betaalmid- del, alsmede betaalmiddel voor het ten uitvoer leggen van de werkwijze.
US5913203A (en) * 1996-10-03 1999-06-15 Jaesent Inc. System and method for pseudo cash transactions
US5953710A (en) * 1996-10-09 1999-09-14 Fleming; Stephen S. Children's credit or debit card system
JPH1139401A (ja) * 1997-07-16 1999-02-12 Nippon Shinpan Kk クレジットカードシステムおよびネットワークにおけるクレジットカードの利用方法
US6000832A (en) * 1997-09-24 1999-12-14 Microsoft Corporation Electronic online commerce card with customer generated transaction proxy number for online transactions
US5883810A (en) 1997-09-24 1999-03-16 Microsoft Corporation Electronic online commerce card with transactionproxy number for online transactions
GB2345775A (en) * 1998-10-21 2000-07-19 Ordertrust Llc Analyzing transaction information
US6327578B1 (en) * 1998-12-29 2001-12-04 International Business Machines Corporation Four-party credit/debit payment protocol
EP1028401A3 (fr) * 1999-02-12 2003-06-25 Citibank, N.A. Méthode et système pour exécuter une transaction avec cartes bancaires
US6847953B2 (en) * 2000-02-04 2005-01-25 Kuo James Shaw-Han Process and method for secure online transactions with calculated risk and against fraud

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20190385160A1 (en) * 2018-06-19 2019-12-19 Mastercard International Incorporated System and process for on-the-fly cardholder verification method selection
EP3853798B1 (fr) * 2018-09-21 2025-09-24 Mastercard International Incorporated Procédé de transaction de paiement utilisant une expiration de compte dynamique et un code de vérification de jeton dynamique

Also Published As

Publication number Publication date
JP5093957B2 (ja) 2012-12-12
EP1320839A2 (fr) 2003-06-25
WO2001099070A3 (fr) 2003-01-16
JP2003536180A (ja) 2003-12-02
AU781671B2 (en) 2005-06-02
AU7001101A (en) 2002-01-02
WO2001099070A2 (fr) 2001-12-27

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Legal Events

Date Code Title Description
FZDE Discontinued