WO2009136404A3 - A system and method for implementing a secure transaction through mobile communicating device - Google Patents

A system and method for implementing a secure transaction through mobile communicating device Download PDF

Info

Publication number
WO2009136404A3
WO2009136404A3 PCT/IN2008/000250 IN2008000250W WO2009136404A3 WO 2009136404 A3 WO2009136404 A3 WO 2009136404A3 IN 2008000250 W IN2008000250 W IN 2008000250W WO 2009136404 A3 WO2009136404 A3 WO 2009136404A3
Authority
WO
WIPO (PCT)
Prior art keywords
merchant
terminal
customer
mobile phone
securely
Prior art date
Application number
PCT/IN2008/000250
Other languages
French (fr)
Other versions
WO2009136404A2 (en
Inventor
Neralla Dewang
Original Assignee
Atom Technologies Limited
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 Atom Technologies Limited filed Critical Atom Technologies Limited
Priority to PCT/IN2008/000250 priority Critical patent/WO2009136404A2/en
Publication of WO2009136404A2 publication Critical patent/WO2009136404A2/en
Publication of WO2009136404A3 publication Critical patent/WO2009136404A3/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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
    • G06Q20/3255—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks using mobile network messaging services for payment, e.g. SMS
    • 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
    • G06Q20/12—Payment architectures specially adapted for electronic shopping 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
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3223—Realising banking transactions through M-devices
    • 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
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/326—Payment applications installed on the mobile devices
    • G06Q20/3265—Payment applications installed on the mobile devices characterised by personalisation for use
    • 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
    • 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
    • H04L63/04—Network architectures or network communication protocols for network security for providing a confidential data exchange among entities communicating through data packet networks
    • H04L63/0428—Network architectures or network communication protocols for network security for providing a confidential data exchange among entities communicating through data packet networks wherein the data content is protected, e.g. by encrypting or encapsulating the payload
    • 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
    • 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
    • H04L63/083—Network architectures or network communication protocols for network security for authentication of entities using passwords
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W12/00—Security arrangements; Authentication; Protecting privacy or anonymity
    • H04W12/03—Protecting confidentiality, e.g. by encryption
    • 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

Abstract

This invention relates to implementing secure electronic transactions through mobile communicating devices thereby providing for a secure and convenient platform for the merchant and the customer to transact through mobile communicating devices with the help of a GSM service provider and banks. Under this invention the following methods are developed viz. Requesting an electronic card / terminal from the mobile phone; securely loading the customer's electronic card directly on customer's mobile phone; securely sending the card information back to the card issuer (bank) whenever required for authorization during a transaction; securely loading the merchant electronic terminal directly on merchant's mobile phone; securely sending the terminal details to terminal issuer (acquiring bank) whenever the merchant initiates a sale transaction.
PCT/IN2008/000250 2008-04-17 2008-04-17 A system and method for implementing a secure transaction through mobile communicating device WO2009136404A2 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
PCT/IN2008/000250 WO2009136404A2 (en) 2008-04-17 2008-04-17 A system and method for implementing a secure transaction through mobile communicating device

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/IN2008/000250 WO2009136404A2 (en) 2008-04-17 2008-04-17 A system and method for implementing a secure transaction through mobile communicating device

Publications (2)

Publication Number Publication Date
WO2009136404A2 WO2009136404A2 (en) 2009-11-12
WO2009136404A3 true WO2009136404A3 (en) 2009-12-30

Family

ID=41265112

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/IN2008/000250 WO2009136404A2 (en) 2008-04-17 2008-04-17 A system and method for implementing a secure transaction through mobile communicating device

Country Status (1)

Country Link
WO (1) WO2009136404A2 (en)

Families Citing this family (19)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CA2746760A1 (en) * 2009-01-13 2010-07-22 Michael Horie Secure protocol for transactions
US9715681B2 (en) 2009-04-28 2017-07-25 Visa International Service Association Verification of portable consumer devices
US9105027B2 (en) 2009-05-15 2015-08-11 Visa International Service Association Verification of portable consumer device for secure services
US10846683B2 (en) 2009-05-15 2020-11-24 Visa International Service Association Integration of verification tokens with mobile communication devices
US9424413B2 (en) 2010-02-24 2016-08-23 Visa International Service Association Integration of payment capability into secure elements of computers
US20120136796A1 (en) * 2010-09-21 2012-05-31 Ayman Hammad Device Enrollment System and Method
GB201105765D0 (en) 2011-04-05 2011-05-18 Visa Europe Ltd Payment system
US8433657B2 (en) 2011-04-15 2013-04-30 Ofinno Technologies, Llc Secure and mobile financial transaction
FI20115945A0 (en) * 2011-09-28 2011-09-28 Onsun Oy payment
CN103457730B (en) * 2012-06-05 2016-12-14 中国银联股份有限公司 Safety information interaction device and method and for the mutual IC-card of safety information
US20150302506A1 (en) * 2012-08-01 2015-10-22 Postecom S.P.A. Method for Securing an Order or Purchase Operation Means of a Client Device
AU2014368949A1 (en) 2013-12-19 2016-06-09 Visa International Service Association Cloud-based transactions methods and systems
US9922322B2 (en) 2013-12-19 2018-03-20 Visa International Service Association Cloud-based transactions with magnetic secure transmission
AU2015264124B2 (en) 2014-05-21 2019-05-09 Visa International Service Association Offline authentication
US9189778B1 (en) 2014-05-28 2015-11-17 Isys US, Inc. Switch server system interoperable with mobile devices providing secure communications
US9775029B2 (en) 2014-08-22 2017-09-26 Visa International Service Association Embedding cloud-based functionalities in a communication device
US11301840B1 (en) * 2015-03-30 2022-04-12 Block, Inc. Systems and methods for provisioning point of sale terminals
CN116471105A (en) 2016-07-11 2023-07-21 维萨国际服务协会 Encryption key exchange procedure using access means
BE1026342B9 (en) * 2018-06-04 2020-02-04 Worldline Sa DEVICE AND METHOD FOR SECURE IDENTIFICATION OF A USER

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7039809B1 (en) * 1998-11-12 2006-05-02 Mastercard International Incorporated Asymmetric encrypted pin
US20060095953A1 (en) * 2004-10-28 2006-05-04 Frank Edward H Method and system for policy based authentication
US20070125840A1 (en) * 2005-12-06 2007-06-07 Boncle, Inc. Extended electronic wallet management
US20070255653A1 (en) * 2006-03-30 2007-11-01 Obopay Inc. Mobile Person-to-Person Payment System
US20080010215A1 (en) * 2006-07-06 2008-01-10 Firethorn Holdings, Llc Methods and Systems For Managing Payment Sources in a Mobile Environment

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7039809B1 (en) * 1998-11-12 2006-05-02 Mastercard International Incorporated Asymmetric encrypted pin
US20060095953A1 (en) * 2004-10-28 2006-05-04 Frank Edward H Method and system for policy based authentication
US20070125840A1 (en) * 2005-12-06 2007-06-07 Boncle, Inc. Extended electronic wallet management
US20070255653A1 (en) * 2006-03-30 2007-11-01 Obopay Inc. Mobile Person-to-Person Payment System
US20080010215A1 (en) * 2006-07-06 2008-01-10 Firethorn Holdings, Llc Methods and Systems For Managing Payment Sources in a Mobile Environment

Also Published As

Publication number Publication date
WO2009136404A2 (en) 2009-11-12

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