WO2001099070A3 - An improved method and system for conducting secure payments over a computer network - Google Patents
An improved method and system for conducting secure payments over a computer network 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; CALCULATING OR 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; CALCULATING OR 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; CALCULATING OR 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; CALCULATING OR 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; CALCULATING OR 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; CALCULATING OR 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; CALCULATING OR 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; CALCULATING OR 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; CALCULATING OR 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; CALCULATING OR 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
Abstract
Priority Applications (4)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
EP01948538A EP1320839A2 (en) | 2000-06-21 | 2001-06-21 | An improved method and system for conducting secure payments over a computer network |
JP2002503837A JP5093957B2 (en) | 2000-06-21 | 2001-06-21 | Improved method and system for making secure payments over a computer network |
CA002382696A CA2382696A1 (en) | 2000-06-21 | 2001-06-21 | An improved method and system for conducting secure payments over a computer network |
AU70011/01A AU781671B2 (en) | 2000-06-21 | 2001-06-21 | An improved method and system for conducting secure payments over a computer network |
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 (en) | 2001-12-27 |
WO2001099070A3 true WO2001099070A3 (en) | 2003-01-16 |
Family
ID=27498921
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
PCT/US2001/019753 WO2001099070A2 (en) | 2000-06-21 | 2001-06-21 | An improved method and system for conducting secure payments over a computer network |
Country Status (5)
Country | Link |
---|---|
EP (1) | EP1320839A2 (en) |
JP (1) | JP5093957B2 (en) |
AU (1) | AU781671B2 (en) |
CA (1) | CA2382696A1 (en) |
WO (1) | WO2001099070A2 (en) |
Families Citing this family (13)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
PT1503308E (en) * | 2002-01-31 | 2010-02-19 | Servicios Para Medios De Pago | Reversible method of generating mutated payment cards using a mathematical algorithm |
EP1783708A1 (en) * | 2005-10-06 | 2007-05-09 | First Data Corporation | Transaction method and system |
WO2008034083A2 (en) * | 2006-09-15 | 2008-03-20 | Visa International Service Association | Method and system for cross-issuer registration of transaction cards |
FR2914763B1 (en) * | 2007-04-06 | 2013-02-15 | Grp Des Cartes Bancaires | DYNAMIC CRYPTOGRAM |
EP2026267A1 (en) * | 2007-07-31 | 2009-02-18 | Nederlandse Organisatie voor toegepast- natuurwetenschappelijk onderzoek TNO | Issuing electronic vouchers |
US8181861B2 (en) | 2008-10-13 | 2012-05-22 | Miri Systems, Llc | Electronic transaction security system and method |
EP2401711A4 (en) * | 2009-02-25 | 2016-12-28 | Miri Systems Llc | Payment system and method |
EP2486693B1 (en) | 2009-10-05 | 2023-05-31 | Miri Systems, LLC | Electronic transaction security system and method |
US8762284B2 (en) * | 2010-12-16 | 2014-06-24 | Democracyontheweb, Llc | Systems and methods for facilitating secure transactions |
GB2566402A (en) * | 2016-07-01 | 2019-03-13 | American Express Travel Related Services Co Inc | Systems and methods for validating transmissions over communication channels |
KR102184807B1 (en) * | 2018-05-23 | 2020-11-30 | 신한카드 주식회사 | Payment apparatus and method of processing user identification based on automatic response service |
US20190385160A1 (en) * | 2018-06-19 | 2019-12-19 | Mastercard International Incorporated | System and process for on-the-fly cardholder verification method selection |
EP3767569A1 (en) * | 2019-07-18 | 2021-01-20 | Mastercard International Incorporated | An electronic transaction method and device using a flexible transaction identifier |
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 (en) * | 1999-02-12 | 2000-08-16 | Citibank, N.A. | Method and system for performing a bankcard transaction |
Family Cites Families (11)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
JP2708083B2 (en) * | 1991-12-27 | 1998-02-04 | 国際電信電話株式会社 | Credit card billing simple dial operation service device |
WO1995016971A1 (en) * | 1993-12-16 | 1995-06-22 | Open Market, Inc. | Digital active advertising |
JPH07231367A (en) * | 1994-02-17 | 1995-08-29 | Fujitsu Ltd | Personal communication charging service device by credit card |
US5826245A (en) * | 1995-03-20 | 1998-10-20 | Sandberg-Diment; Erik | Providing verification information for a transaction |
NL1001863C2 (en) * | 1995-12-08 | 1997-06-10 | Nederland Ptt | Method for securely writing down an electronic payment method, as well as payment method for implementing the method. |
US5953710A (en) * | 1996-10-09 | 1999-09-14 | Fleming; Stephen S. | Children's credit or debit card system |
JPH1139401A (en) * | 1997-07-16 | 1999-02-12 | Nippon Shinpan Kk | Credit card system and method for using credit card through network |
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 AU AU70011/01A patent/AU781671B2/en not_active Ceased
- 2001-06-21 JP JP2002503837A patent/JP5093957B2/en not_active Expired - Fee Related
- 2001-06-21 CA CA002382696A patent/CA2382696A1/en not_active Abandoned
- 2001-06-21 EP EP01948538A patent/EP1320839A2/en not_active Withdrawn
- 2001-06-21 WO PCT/US2001/019753 patent/WO2001099070A2/en not_active Application Discontinuation
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 (en) * | 1999-02-12 | 2000-08-16 | Citibank, N.A. | Method and system for performing a bankcard transaction |
Also Published As
Publication number | Publication date |
---|---|
JP2003536180A (en) | 2003-12-02 |
JP5093957B2 (en) | 2012-12-12 |
AU781671B2 (en) | 2005-06-02 |
AU7001101A (en) | 2002-01-02 |
EP1320839A2 (en) | 2003-06-25 |
WO2001099070A2 (en) | 2001-12-27 |
CA2382696A1 (en) | 2001-12-27 |
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