WO2009151832A3 - Method and system for securing a payment transaction - Google Patents
Method and system for securing a payment transaction Download PDFInfo
- Publication number
- WO2009151832A3 WO2009151832A3 PCT/US2009/043088 US2009043088W WO2009151832A3 WO 2009151832 A3 WO2009151832 A3 WO 2009151832A3 US 2009043088 W US2009043088 W US 2009043088W WO 2009151832 A3 WO2009151832 A3 WO 2009151832A3
- Authority
- WO
- WIPO (PCT)
- Prior art keywords
- password
- transaction
- secret key
- host
- payment transaction
- Prior art date
Links
Classifications
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
- H04L9/08—Key distribution or management, e.g. generation, sharing or updating, of cryptographic keys or passwords
- H04L9/0894—Escrow, recovery or storing of secret information, e.g. secret key escrow or cryptographic key storage
- H04L9/0897—Escrow, recovery or storing of secret information, e.g. secret key escrow or cryptographic key storage involving additional devices, e.g. trusted platform module [TPM], smartcard or USB
-
- 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
- G06Q20/30—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]
-
- 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
- G06Q20/3821—Electronic credentials
-
- 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
- G06Q20/40—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
- 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
- G06Q20/401—Transaction verification
- G06Q20/4012—Verifying personal identification numbers [PIN]
-
- 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
- G07F7/1016—Devices or methods for securing the PIN and other transaction-data, e.g. by encryption
-
- 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
- G07F7/1091—Use of an encrypted form of the PIN
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
- H04L9/08—Key distribution or management, e.g. generation, sharing or updating, of cryptographic keys or passwords
- H04L9/0816—Key establishment, i.e. cryptographic processes or cryptographic protocols whereby a shared secret becomes available to two or more parties, for subsequent use
- H04L9/0819—Key transport or distribution, i.e. key establishment techniques where one party creates or otherwise obtains a secret value, and securely transfers it to the other(s)
- H04L9/0822—Key transport or distribution, i.e. key establishment techniques where one party creates or otherwise obtains a secret value, and securely transfers it to the other(s) using key encryption key
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
- H04L9/08—Key distribution or management, e.g. generation, sharing or updating, of cryptographic keys or passwords
- H04L9/0816—Key establishment, i.e. cryptographic processes or cryptographic protocols whereby a shared secret becomes available to two or more parties, for subsequent use
- H04L9/0819—Key transport or distribution, i.e. key establishment techniques where one party creates or otherwise obtains a secret value, and securely transfers it to the other(s)
- H04L9/0825—Key transport or distribution, i.e. key establishment techniques where one party creates or otherwise obtains a secret value, and securely transfers it to the other(s) using asymmetric-key encryption or public key infrastructure [PKI], e.g. key signature or public key certificates
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
- H04L9/08—Key distribution or management, e.g. generation, sharing or updating, of cryptographic keys or passwords
- H04L9/0816—Key establishment, i.e. cryptographic processes or cryptographic protocols whereby a shared secret becomes available to two or more parties, for subsequent use
- H04L9/0819—Key transport or distribution, i.e. key establishment techniques where one party creates or otherwise obtains a secret value, and securely transfers it to the other(s)
- H04L9/0827—Key transport or distribution, i.e. key establishment techniques where one party creates or otherwise obtains a secret value, and securely transfers it to the other(s) involving distinctive intermediate devices or communication paths
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
- H04L9/32—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
- H04L9/3226—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials using a predetermined code, e.g. password, passphrase or PIN
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L2209/00—Additional information or applications relating to cryptographic mechanisms or cryptographic arrangements for secret or secure communication H04L9/00
- H04L2209/56—Financial cryptography, e.g. electronic payment or e-cash
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L2209/00—Additional information or applications relating to cryptographic mechanisms or cryptographic arrangements for secret or secure communication H04L9/00
- H04L2209/80—Wireless
Abstract
A mobile payment device 130 obtains a password from a customer for processing a payment transaction. The mobile payment device 130 encrypts the password using a public key. The mobile payment device 130 transmits the public key encrypted password via a network 140 to a cryptographic conversion host 150 which decrypts it using a private key corresponding to the public key. The cryptographic conversion host 150 re-encrypts the decrypted password with a secret key and provides the secret key encrypted password to a transaction host 160. The transaction host 160 decrypts the secret key encrypted password using an identical secret key and applies the decrypted password to process the payment transaction.
Priority Applications (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
EP09763123.8A EP2329441A4 (en) | 2008-05-12 | 2009-05-07 | Method and system for securing a payment transaction |
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US12/119,417 | 2008-05-12 | ||
US12/119,417 US20090281949A1 (en) | 2008-05-12 | 2008-05-12 | Method and system for securing a payment transaction |
Publications (2)
Publication Number | Publication Date |
---|---|
WO2009151832A2 WO2009151832A2 (en) | 2009-12-17 |
WO2009151832A3 true WO2009151832A3 (en) | 2010-03-04 |
Family
ID=41267666
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
PCT/US2009/043088 WO2009151832A2 (en) | 2008-05-12 | 2009-05-07 | Method and system for securing a payment transaction |
Country Status (3)
Country | Link |
---|---|
US (2) | US20090281949A1 (en) |
EP (1) | EP2329441A4 (en) |
WO (1) | WO2009151832A2 (en) |
Families Citing this family (24)
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US20110307695A1 (en) * | 2010-06-14 | 2011-12-15 | Salesforce.Com, Inc. | Methods and systems for providing a secure online feed in a multi-tenant database environment |
CN103201758A (en) | 2010-11-10 | 2013-07-10 | 斯玛特哈伯私人有限公司 | Method of performing a financial transaction via unsecured public telecommunication infrastructure and an apparatus for same |
EP2649574A4 (en) * | 2010-12-09 | 2014-10-15 | Kenneth G Mages | Hand-held self-provisioned pin red communicator |
US20130226979A1 (en) * | 2011-10-17 | 2013-08-29 | Brainshark, Inc. | Systems and methods for multi-device rendering of multimedia presentations |
WO2013062459A2 (en) * | 2011-10-26 | 2013-05-02 | Mopper Ab | Method and arrangement for authorizing a user |
US9959576B2 (en) * | 2011-12-07 | 2018-05-01 | Visa International Service Association | Multi-purpose device having multiple certificates including member certificate |
US9124419B2 (en) * | 2012-05-08 | 2015-09-01 | Discretix Technologies Ltd. | Method, device, and system of secure entry and handling of passwords |
US10185957B2 (en) * | 2012-06-12 | 2019-01-22 | Square, Inc. | Software pin entry |
US8639619B1 (en) | 2012-07-13 | 2014-01-28 | Scvngr, Inc. | Secure payment method and system |
WO2014149498A2 (en) * | 2013-03-15 | 2014-09-25 | First Data Corporation | Remote secure transactions |
US8770478B2 (en) | 2013-07-11 | 2014-07-08 | Scvngr, Inc. | Payment processing with automatic no-touch mode selection |
CN112116344A (en) * | 2013-07-15 | 2020-12-22 | 维萨国际服务协会 | Secure remote payment transaction processing |
JP5703452B1 (en) * | 2014-03-06 | 2015-04-22 | パナソニックIpマネジメント株式会社 | Information processing apparatus and information processing method |
CN107005541A (en) * | 2014-07-23 | 2017-08-01 | 迪堡多富公司 | Encrypt PIN receivers |
US11144905B1 (en) * | 2015-12-21 | 2021-10-12 | Modopayments, Llc | Payment processing using electronic benefit transfer (EBT) system |
CN107453862B (en) * | 2017-05-15 | 2023-05-30 | 杭州复杂美科技有限公司 | Scheme for generating, storing and using private key |
CN108880793A (en) * | 2018-06-06 | 2018-11-23 | 北京阿尔山金融科技有限公司 | Information trading method, apparatus and electronic equipment |
CN111768304A (en) | 2018-08-06 | 2020-10-13 | 阿里巴巴集团控股有限公司 | Block chain transaction method and device and electronic equipment |
JP6724249B2 (en) | 2018-11-27 | 2020-07-15 | アリババ・グループ・ホールディング・リミテッドAlibaba Group Holding Limited | System and method for information protection |
ES2833550T3 (en) | 2018-11-27 | 2021-06-15 | Advanced New Technologies Co Ltd | System and method for the protection of information |
US11218455B2 (en) | 2018-11-27 | 2022-01-04 | Advanced New Technologies Co., Ltd. | System and method for information protection |
CA3037833C (en) | 2018-11-27 | 2022-04-19 | Alibaba Group Holding Limited | System and method for information protection |
US10700850B2 (en) | 2018-11-27 | 2020-06-30 | Alibaba Group Holding Limited | System and method for information protection |
JP6841911B2 (en) * | 2018-11-27 | 2021-03-10 | アドバンスド ニュー テクノロジーズ カンパニー リミテッド | Information protection systems and methods |
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-
2008
- 2008-05-12 US US12/119,417 patent/US20090281949A1/en not_active Abandoned
-
2009
- 2009-05-07 WO PCT/US2009/043088 patent/WO2009151832A2/en active Application Filing
- 2009-05-07 EP EP09763123.8A patent/EP2329441A4/en not_active Withdrawn
-
2012
- 2012-02-15 US US13/396,967 patent/US20120150749A1/en not_active Abandoned
Patent Citations (5)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
KR20060020303A (en) * | 2004-08-31 | 2006-03-06 | 인천대학교 산학협력단 | Electronic payment method |
JP2006108903A (en) * | 2004-10-01 | 2006-04-20 | Hiromi Fukaya | Encryption data distribution method, encryption device, decryption device, encryption program, and decryption program |
KR20080009356A (en) * | 2006-07-24 | 2008-01-29 | 주식회사 신한은행 | System and method for operating prepaid card and program recording medium |
KR20080009358A (en) * | 2006-07-24 | 2008-01-29 | 주식회사 신한은행 | System and method for mobile escrow payment and program recording medium |
KR20080010082A (en) * | 2006-07-26 | 2008-01-30 | 한국정보통신주식회사 | System and method for payment and program recording medium |
Also Published As
Publication number | Publication date |
---|---|
EP2329441A2 (en) | 2011-06-08 |
EP2329441A4 (en) | 2013-07-24 |
WO2009151832A2 (en) | 2009-12-17 |
US20090281949A1 (en) | 2009-11-12 |
US20120150749A1 (en) | 2012-06-14 |
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