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WO2010071904A3 - Security measures for credit card - Google Patents

Security measures for credit card Download PDF

Info

Publication number
WO2010071904A3
WO2010071904A3 PCT/ZA2009/000111 ZA2009000111W WO2010071904A3 WO 2010071904 A3 WO2010071904 A3 WO 2010071904A3 ZA 2009000111 W ZA2009000111 W ZA 2009000111W WO 2010071904 A3 WO2010071904 A3 WO 2010071904A3
Authority
WO
WIPO (PCT)
Prior art keywords
code
card
similar
credit card
verified
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.)
Ceased
Application number
PCT/ZA2009/000111
Other languages
French (fr)
Other versions
WO2010071904A2 (en
WO2010071904A9 (en
Inventor
Grant Paul Weideman
Selvanathan Narainsamy
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.)
Radio Surveillance Security SA Pty Ltd
Original Assignee
Radio Surveillance Security SA Pty Ltd
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 Radio Surveillance Security SA Pty Ltd filed Critical Radio Surveillance Security SA Pty Ltd
Priority to CN200980151333.1A priority Critical patent/CN102301384A/en
Priority to EP09813865A priority patent/EP2380122A2/en
Priority to SG2011044435A priority patent/SG172224A1/en
Priority to AU2009327344A priority patent/AU2009327344A1/en
Priority to CA2747249A priority patent/CA2747249A1/en
Publication of WO2010071904A2 publication Critical patent/WO2010071904A2/en
Publication of WO2010071904A3 publication Critical patent/WO2010071904A3/en
Publication of WO2010071904A9 publication Critical patent/WO2010071904A9/en
Priority to ZA2011/00774A priority patent/ZA201100774B/en
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
    • G06F21/31—User authentication
    • G06F21/34—User authentication involving the use of external additional devices, e.g. dongles or smart cards
    • 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
    • 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
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
    • H04L63/0853—Network architectures or network communication protocols for network security for authentication of entities using an additional device, e.g. smartcard, SIM or a different communication terminal
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L2463/00—Additional details relating to network architectures or network communication protocols for network security covered by H04L63/00
    • H04L2463/102—Additional details relating to network architectures or network communication protocols for network security covered by H04L63/00 applying security measure for e-commerce

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Theoretical Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Finance (AREA)
  • Computer Security & Cryptography (AREA)
  • Computer Hardware Design (AREA)
  • General Engineering & Computer Science (AREA)
  • Software Systems (AREA)
  • Computing Systems (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Signal Processing (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

A method for generating a code on card related transactions such as credit card transactions includes loading multi-factor authentication software onto the card itself. The software is read by a card transaction terminal such as an ATM or a similar payment station which generates a time and/or date specific code which is verified with a code generated on a remote CPU running similar or identical multi-factor authentication software. The two codes need not be identical, but should be similar to a sufficient tolerance to ensure that there is no security breach. Once the code is verified the transaction may proceed as it would normally.
PCT/ZA2009/000111 2008-12-17 2009-12-17 Security measures for credit card Ceased WO2010071904A2 (en)

Priority Applications (6)

Application Number Priority Date Filing Date Title
CN200980151333.1A CN102301384A (en) 2008-12-17 2009-12-17 Security Measures For Credit Card
EP09813865A EP2380122A2 (en) 2008-12-17 2009-12-17 Security measures for credit card
SG2011044435A SG172224A1 (en) 2008-12-17 2009-12-17 Security measures for credit card
AU2009327344A AU2009327344A1 (en) 2008-12-17 2009-12-17 Security measures for credit card
CA2747249A CA2747249A1 (en) 2008-12-17 2009-12-17 Security measures for credit card
ZA2011/00774A ZA201100774B (en) 2008-12-17 2011-01-31 Security measures for credit card

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
ZA200810812 2008-12-17
ZA2008/10812 2008-12-17

Publications (3)

Publication Number Publication Date
WO2010071904A2 WO2010071904A2 (en) 2010-06-24
WO2010071904A3 true WO2010071904A3 (en) 2010-08-12
WO2010071904A9 WO2010071904A9 (en) 2010-11-11

Family

ID=42135951

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/ZA2009/000111 Ceased WO2010071904A2 (en) 2008-12-17 2009-12-17 Security measures for credit card

Country Status (7)

Country Link
EP (1) EP2380122A2 (en)
CN (1) CN102301384A (en)
AU (1) AU2009327344A1 (en)
CA (1) CA2747249A1 (en)
SG (1) SG172224A1 (en)
WO (1) WO2010071904A2 (en)
ZA (1) ZA201100774B (en)

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US11301921B2 (en) 2017-08-09 2022-04-12 SSenStone Inc. System for payment based on store's intranet, mobile terminal including payment function based on store's intranet, method for providing payment service based on store's intranet, and program for performing the same

Families Citing this family (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN106330891A (en) * 2016-08-21 2017-01-11 上海林果实业股份有限公司 Smart card, verification code verifying method and system

Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20030105964A1 (en) * 2001-12-04 2003-06-05 Brainard John G. Method and apparatus for performing enhanced time-based authentication
WO2003063099A2 (en) * 2002-01-17 2003-07-31 Michel Caron Apparatus and method of identifying the user thereof by means of a variable identification code
US20040172535A1 (en) * 2002-11-27 2004-09-02 Rsa Security Inc. Identity authentication system and method
WO2004111807A1 (en) * 2003-06-19 2004-12-23 Koninklijke Philips Electronics N.V. Method and apparatus for authenticating a password
WO2007126227A1 (en) * 2006-05-01 2007-11-08 Mi Rae Technology Co., Ltd Time sync-type otp generation device and method for mobile phones
WO2009026365A2 (en) * 2007-08-20 2009-02-26 Visa International Service Association Method and system for implementing a dynamic verification value

Patent Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20030105964A1 (en) * 2001-12-04 2003-06-05 Brainard John G. Method and apparatus for performing enhanced time-based authentication
WO2003063099A2 (en) * 2002-01-17 2003-07-31 Michel Caron Apparatus and method of identifying the user thereof by means of a variable identification code
US20040172535A1 (en) * 2002-11-27 2004-09-02 Rsa Security Inc. Identity authentication system and method
WO2004111807A1 (en) * 2003-06-19 2004-12-23 Koninklijke Philips Electronics N.V. Method and apparatus for authenticating a password
WO2007126227A1 (en) * 2006-05-01 2007-11-08 Mi Rae Technology Co., Ltd Time sync-type otp generation device and method for mobile phones
WO2009026365A2 (en) * 2007-08-20 2009-02-26 Visa International Service Association Method and system for implementing a dynamic verification value

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US11301921B2 (en) 2017-08-09 2022-04-12 SSenStone Inc. System for payment based on store's intranet, mobile terminal including payment function based on store's intranet, method for providing payment service based on store's intranet, and program for performing the same

Also Published As

Publication number Publication date
EP2380122A2 (en) 2011-10-26
WO2010071904A2 (en) 2010-06-24
AU2009327344A1 (en) 2011-07-21
WO2010071904A9 (en) 2010-11-11
CA2747249A1 (en) 2010-06-24
SG172224A1 (en) 2011-07-28
ZA201100774B (en) 2011-10-26
CN102301384A (en) 2011-12-28

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