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WO2013130912A3 - In-card access control and monotonic counters for offline payment processing system - Google Patents

In-card access control and monotonic counters for offline payment processing system Download PDF

Info

Publication number
WO2013130912A3
WO2013130912A3 PCT/US2013/028466 US2013028466W WO2013130912A3 WO 2013130912 A3 WO2013130912 A3 WO 2013130912A3 US 2013028466 W US2013028466 W US 2013028466W WO 2013130912 A3 WO2013130912 A3 WO 2013130912A3
Authority
WO
WIPO (PCT)
Prior art keywords
card
contactless device
remote system
request
processing system
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/US2013/028466
Other languages
French (fr)
Other versions
WO2013130912A2 (en
Inventor
Michael William SPRINGER
Ismail Cem Paya
Malgorzata Monika LISOWIEC
Aneto Pablo Okonkwo
Patrick Pui Wah Leung
Fan Jiang
Gökhan Hassan BAKIR
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.)
Google LLC
Original Assignee
Google LLC
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 US13/408,804 external-priority patent/US9020858B2/en
Priority claimed from US13/408,813 external-priority patent/US8959034B2/en
Priority claimed from US13/408,794 external-priority patent/US8898088B2/en
Application filed by Google LLC filed Critical Google LLC
Priority to AU2013202684A priority Critical patent/AU2013202684B9/en
Priority to BR112014021376A priority patent/BR112014021376A8/en
Publication of WO2013130912A2 publication Critical patent/WO2013130912A2/en
Publication of WO2013130912A3 publication Critical patent/WO2013130912A3/en
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

Links

Classifications

    • 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
    • G06Q20/30—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
    • G06Q20/352—Contactless payments by 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
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of 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
    • G06Q20/40—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
    • G06Q20/409—Device specific authentication in transaction processing
    • G06Q20/4097—Device specific authentication in transaction processing using mutual authentication between devices and transaction partners

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (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)

Abstract

Preventing fraud during an offline transaction by encoding a randomly-generated card verification code onto a smart card. The verification code is transmitted to a contactless device during each transaction, wherein it is cross-referenced with the account number to ensure presence of the card. Also, every transaction record is signed by an access key resident on the contactless device and certified by a signing key resident on a remote system. Funds may be deposited onto the card when the contactless device creates a deposit request, signs the request using an access key and transmits it to the remote system, which in turn processes the request and certifies it with a signing key. Funds may be withdrawn when the contactless device creates a withdrawal record and signs it using an access key. The remote system verifies the signatures and certifies the records using a signing key when the records are later transmitted.
PCT/US2013/028466 2012-02-29 2013-02-28 In-card access control and monotonic counters for offline payment processing system Ceased WO2013130912A2 (en)

Priority Applications (2)

Application Number Priority Date Filing Date Title
AU2013202684A AU2013202684B9 (en) 2012-02-29 2013-02-28 In-card access control and monotonic counters for offline payment processing system
BR112014021376A BR112014021376A8 (en) 2012-02-29 2013-02-28 CARD ACCESS CONTROL AND MONOTONIC COUNTERS FOR OFFLINE PAYMENT PROCESSING CONTROL SYSTEM

Applications Claiming Priority (6)

Application Number Priority Date Filing Date Title
US13/408,794 2012-02-29
US13/408,804 US9020858B2 (en) 2012-02-29 2012-02-29 Presence-of-card code for offline payment processing system
US13/408,813 US8959034B2 (en) 2012-02-29 2012-02-29 Transaction signature for offline payment processing system
US13/408,804 2012-02-29
US13/408,813 2012-02-29
US13/408,794 US8898088B2 (en) 2012-02-29 2012-02-29 In-card access control and monotonic counters for offline payment processing system

Publications (2)

Publication Number Publication Date
WO2013130912A2 WO2013130912A2 (en) 2013-09-06
WO2013130912A3 true WO2013130912A3 (en) 2013-11-21

Family

ID=49083459

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2013/028466 Ceased WO2013130912A2 (en) 2012-02-29 2013-02-28 In-card access control and monotonic counters for offline payment processing system

Country Status (1)

Country Link
WO (1) WO2013130912A2 (en)

Families Citing this family (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US10192214B2 (en) 2013-03-11 2019-01-29 Google Llc Pending deposit for payment processing system
EP3238151A4 (en) * 2014-12-22 2018-06-06 Capital One Services, LLC A system, method and apparatus for reprogramming a transaction card
US10554411B1 (en) 2018-10-02 2020-02-04 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards
TW202127339A (en) * 2020-01-06 2021-07-16 宏碁智醫股份有限公司 Offline card transaction authentication system and offline card transaction authentication method
WO2024258429A1 (en) * 2023-06-15 2024-12-19 Visa International Service Association Randomized application transaction counter

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JPH06259452A (en) * 1993-03-09 1994-09-16 Fujitsu Ltd Prepaid card system using IC card
WO2001009851A1 (en) * 1999-07-30 2001-02-08 Visa International Service Association Smart card transactions using wireless telecommunications network
US6839840B1 (en) * 1998-11-12 2005-01-04 Gemplus Authenticating method between a smart card and a terminal
US20070278291A1 (en) * 2005-12-22 2007-12-06 Rans Jean-Paul E Methods and Systems for Two-Factor Authentication Using Contactless Chip Cards or Devices and Mobile Devices or Dedicated Personal Readers
KR20110004043A (en) * 2009-07-07 2011-01-13 에스케이 텔레콤주식회사 Electronic money service method capable of offline transaction and system using same

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JPH06259452A (en) * 1993-03-09 1994-09-16 Fujitsu Ltd Prepaid card system using IC card
US6839840B1 (en) * 1998-11-12 2005-01-04 Gemplus Authenticating method between a smart card and a terminal
WO2001009851A1 (en) * 1999-07-30 2001-02-08 Visa International Service Association Smart card transactions using wireless telecommunications network
US20070278291A1 (en) * 2005-12-22 2007-12-06 Rans Jean-Paul E Methods and Systems for Two-Factor Authentication Using Contactless Chip Cards or Devices and Mobile Devices or Dedicated Personal Readers
KR20110004043A (en) * 2009-07-07 2011-01-13 에스케이 텔레콤주식회사 Electronic money service method capable of offline transaction and system using same

Also Published As

Publication number Publication date
WO2013130912A2 (en) 2013-09-06

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