WO2001099070A3 - 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 PDFInfo
- Publication number
- WO2001099070A3 WO2001099070A3 PCT/US2001/019753 US0119753W WO0199070A3 WO 2001099070 A3 WO2001099070 A3 WO 2001099070A3 US 0119753 W US0119753 W US 0119753W WO 0199070 A3 WO0199070 A3 WO 0199070A3
- Authority
- WO
- WIPO (PCT)
- Prior art keywords
- pseudo
- key
- account number
- expiration date
- authentication code
- Prior art date
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)
- General Physics & Mathematics (AREA)
- Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (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
Priority Applications (4)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| EP01948538A EP1320839A2 (fr) | 2000-06-21 | 2001-06-21 | Procede et systeme ameliores permettant d'effectuer des paiements securises sur un reseau informatique |
| AU70011/01A AU781671B2 (en) | 2000-06-21 | 2001-06-21 | An improved method and system for conducting secure payments over a computer network |
| CA002382696A CA2382696A1 (fr) | 2000-06-21 | 2001-06-21 | Procede et systeme ameliores permettant d'effectuer des paiements securises sur un reseau informatique |
| JP2002503837A JP5093957B2 (ja) | 2000-06-21 | 2001-06-21 | コンピュータネットワーク上で安全な支払いを行うための向上した方法及びシステム |
Applications Claiming Priority (8)
| 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 US9672515B2 (en) | 2000-03-15 | 2001-03-15 | Method and system for secure payments over a computer network |
| US09/809,367 | 2001-03-15 | ||
| US09/833,049 US7379919B2 (en) | 2000-04-11 | 2001-04-11 | Method and system for conducting secure payments over a computer network |
| US09/833,049 | 2001-04-11 |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| WO2001099070A2 WO2001099070A2 (fr) | 2001-12-27 |
| WO2001099070A3 true WO2001099070A3 (fr) | 2003-01-16 |
Family
ID=27498921
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| 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 |
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) |
Families Citing this family (17)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| PT1503308E (pt) | 2002-01-31 | 2010-02-19 | Servicios Para Medios De Pago | Método reversível de gerar cartões de pagamento modificados utilizando um algoritmo matemático |
| EP1783708A1 (fr) * | 2005-10-06 | 2007-05-09 | First Data Corporation | Méthode et système de transaction |
| JP5095740B2 (ja) * | 2006-09-15 | 2012-12-12 | ヴィザ インターナショナル サーヴィス アソシエイション | 発行者に依存せずに取引カードを登録するための方法及びシステム |
| 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 |
| EP2401711A4 (fr) * | 2009-02-25 | 2016-12-28 | Miri Systems Llc | Système et procédé de paiement |
| WO2011044161A1 (fr) | 2009-10-05 | 2011-04-14 | Miri Systems, Llc | Système et procédé pour sécurité des transactions électroniques |
| US8762284B2 (en) * | 2010-12-16 | 2014-06-24 | Democracyontheweb, Llc | Systems and methods for facilitating secure transactions |
| US11151561B2 (en) * | 2016-07-01 | 2021-10-19 | American Express Travel Related Services Company, Inc. | Systems and methods for validating transmissions over communication channels |
| KR102184807B1 (ko) * | 2018-05-23 | 2020-11-30 | 신한카드 주식회사 | Ars 기반의 사용자 인증을 처리하는 결제 장치 및 방법 |
| US20190385160A1 (en) * | 2018-06-19 | 2019-12-19 | Mastercard International Incorporated | System and process for on-the-fly cardholder verification method selection |
| US20200097959A1 (en) * | 2018-09-21 | 2020-03-26 | Mastercard International Incorporated | Payment transaction process employing dynamic account expiry and dynamic token verification code |
| EP3767569A1 (fr) * | 2019-07-18 | 2021-01-20 | Mastercard International Incorporated | Procédé de transaction électronique et dispositif utilisant un identifiant de transactions flexible |
| 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 |
Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US5883810A (en) * | 1997-09-24 | 1999-03-16 | Microsoft Corporation | Electronic online commerce card with transactionproxy number for online transactions |
| US5956699A (en) * | 1996-10-03 | 1999-09-21 | Jaesent Inc. | System for secured credit card transactions on the internet |
| EP1028401A2 (fr) * | 1999-02-12 | 2000-08-16 | Citibank, N.A. | Méthode et système pour exécuter une transaction avec cartes bancaires |
Family Cites Families (11)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| 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 |
| EP1235177A3 (fr) * | 1993-12-16 | 2003-10-08 | divine technology ventures | Publicité numérique 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. |
| 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 |
| 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 |
| 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 |
-
2001
- 2001-06-21 CA CA002382696A patent/CA2382696A1/fr not_active Abandoned
- 2001-06-21 AU AU70011/01A patent/AU781671B2/en not_active Ceased
- 2001-06-21 EP EP01948538A patent/EP1320839A2/fr not_active Withdrawn
- 2001-06-21 WO PCT/US2001/019753 patent/WO2001099070A2/fr not_active Application Discontinuation
- 2001-06-21 JP JP2002503837A patent/JP5093957B2/ja not_active Expired - Fee Related
Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US5956699A (en) * | 1996-10-03 | 1999-09-21 | Jaesent Inc. | System for secured credit card transactions on the internet |
| US5883810A (en) * | 1997-09-24 | 1999-03-16 | Microsoft Corporation | Electronic online commerce card with transactionproxy number for online transactions |
| EP1028401A2 (fr) * | 1999-02-12 | 2000-08-16 | Citibank, N.A. | Méthode et système pour exécuter une transaction avec cartes bancaires |
Also Published As
| Publication number | Publication date |
|---|---|
| AU7001101A (en) | 2002-01-02 |
| AU781671B2 (en) | 2005-06-02 |
| WO2001099070A2 (fr) | 2001-12-27 |
| JP5093957B2 (ja) | 2012-12-12 |
| JP2003536180A (ja) | 2003-12-02 |
| EP1320839A2 (fr) | 2003-06-25 |
| CA2382696A1 (fr) | 2001-12-27 |
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