WO2003073389A3 - Authentication arrangement and method for use with financial transactions - Google Patents

Authentication arrangement and method for use with financial transactions Download PDF

Info

Publication number
WO2003073389A3
WO2003073389A3 PCT/BE2003/000036 BE0300036W WO03073389A3 WO 2003073389 A3 WO2003073389 A3 WO 2003073389A3 BE 0300036 W BE0300036 W BE 0300036W WO 03073389 A3 WO03073389 A3 WO 03073389A3
Authority
WO
WIPO (PCT)
Prior art keywords
message
client terminal
network
sale
item
Prior art date
Application number
PCT/BE2003/000036
Other languages
French (fr)
Other versions
WO2003073389A2 (en
Inventor
Fikret Ates
Original Assignee
Mastercard Europ Sprl
Fikret Ates
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 Mastercard Europ Sprl, Fikret Ates filed Critical Mastercard Europ Sprl
Priority to JP2003572002A priority Critical patent/JP4597529B2/en
Priority to KR10-2004-7013441A priority patent/KR20040089682A/en
Priority to US10/506,016 priority patent/US10395462B2/en
Priority to DE60317169T priority patent/DE60317169T2/en
Priority to MXPA04008410A priority patent/MXPA04008410A/en
Priority to BR0308111-7A priority patent/BR0308111A/en
Priority to EP03742900A priority patent/EP1479052B1/en
Priority to AU2003209860A priority patent/AU2003209860A1/en
Publication of WO2003073389A2 publication Critical patent/WO2003073389A2/en
Publication of WO2003073389A3 publication Critical patent/WO2003073389A3/en
Priority to US12/584,704 priority patent/US8909557B2/en

Links

Classifications

    • 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
    • G06Q20/40—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
    • 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
    • G07F7/10—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 together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
    • 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
    • G06Q20/20—Point-of-sale [POS] network 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
    • G06Q20/30—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
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • G06Q20/3674—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes involving authentication
    • 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
    • G06Q20/388—Payment protocols; Details thereof using mutual authentication without cards, e.g. challenge-response
    • 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
    • G06Q20/40—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
    • G06Q20/40975—Device specific authentication in transaction processing using mutual authentication between devices and transaction partners using encryption therefor
    • 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
    • G07F7/10—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 together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1025—Identification of user by a PIN code

Abstract

An authentication arrangement for use in a network payment system for transacting a sale of merchandise over a network using an Integrated Circuit Card is described, the arrangement comprising: a merchant server in communication with said network, said merchant server having at least a first item of merchandise for sale; a client terminal in communication with said network, said client terminal having an output device for reviewing said first item for sale, and an input device for initiating a purchase transaction to purchase said first item for sale, said client terminal being arranged to build a purchase message using information relating to a merchant identifier and financial transaction information obtained from said merchant server; a card reader for communicating with said Integrated Circuit Card, said client terminal having means to generate a challenge message, said challenge message being generated from the information relating to the merchant identifier and an account number, means for receiving the challenge message at the card reader and for generating a value from the challenge message; said Integrated Circuit Card having means for generating a cryptographic message from at least a part of said value, the card reader having means to generate an authentication token from at least a part of the cryptographic message, and said client terminal having means for transmitting at least part of the authentication token in a message for transmission via the network.
PCT/BE2003/000036 2002-02-28 2003-02-28 Authentication arrangement and method for use with financial transactions WO2003073389A2 (en)

Priority Applications (9)

Application Number Priority Date Filing Date Title
JP2003572002A JP4597529B2 (en) 2002-02-28 2003-02-28 Authentication mechanisms and methods for use in financial transactions
KR10-2004-7013441A KR20040089682A (en) 2002-02-28 2003-02-28 Authentication arrangement and method for use with financial transactions
US10/506,016 US10395462B2 (en) 2002-02-28 2003-02-28 Authentication arrangement and method for use with financial transactions
DE60317169T DE60317169T2 (en) 2002-02-28 2003-02-28 AUTHENTICATION ARRANGEMENT AND METHOD FOR USE WITH FINANCIAL TRANSACTIONS
MXPA04008410A MXPA04008410A (en) 2002-02-28 2003-02-28 Authentication arrangement and method for use with financial transactions.
BR0308111-7A BR0308111A (en) 2002-02-28 2003-02-28 Authentication Arrangement and Method for Use with Financial Transactions
EP03742900A EP1479052B1 (en) 2002-02-28 2003-02-28 Authentication arrangement and method for use with financial transactions
AU2003209860A AU2003209860A1 (en) 2002-02-28 2003-02-28 Authentication arrangement and method for use with financial transactions
US12/584,704 US8909557B2 (en) 2002-02-28 2009-09-09 Authentication arrangement and method for use with financial transaction

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
GBGB0204620.9A GB0204620D0 (en) 2002-02-28 2002-02-28 Chip authentication programme
GB0204620.9 2002-02-28

Related Child Applications (2)

Application Number Title Priority Date Filing Date
US10/506,016 A-371-Of-International US10395462B2 (en) 2002-02-28 2003-02-28 Authentication arrangement and method for use with financial transactions
US12/584,704 Continuation-In-Part US8909557B2 (en) 2002-02-28 2009-09-09 Authentication arrangement and method for use with financial transaction

Publications (2)

Publication Number Publication Date
WO2003073389A2 WO2003073389A2 (en) 2003-09-04
WO2003073389A3 true WO2003073389A3 (en) 2003-12-18

Family

ID=9931909

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/BE2003/000036 WO2003073389A2 (en) 2002-02-28 2003-02-28 Authentication arrangement and method for use with financial transactions

Country Status (12)

Country Link
US (1) US10395462B2 (en)
EP (4) EP1479052B1 (en)
JP (1) JP4597529B2 (en)
KR (1) KR20040089682A (en)
AT (2) ATE377226T1 (en)
AU (1) AU2003209860A1 (en)
BR (1) BR0308111A (en)
DE (2) DE60317169T2 (en)
GB (1) GB0204620D0 (en)
MX (1) MXPA04008410A (en)
WO (1) WO2003073389A2 (en)
ZA (1) ZA200406805B (en)

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