WO2010071904A3 - Security measures for credit card - Google Patents

Security measures for credit card Download PDF

Info

Publication number
WO2010071904A3
WO2010071904A3 PCT/ZA2009/000111 ZA2009000111W WO2010071904A3 WO 2010071904 A3 WO2010071904 A3 WO 2010071904A3 ZA 2009000111 W ZA2009000111 W ZA 2009000111W WO 2010071904 A3 WO2010071904 A3 WO 2010071904A3
Authority
WO
WIPO (PCT)
Prior art keywords
code
card
similar
credit card
verified
Prior art date
Application number
PCT/ZA2009/000111
Other languages
French (fr)
Other versions
WO2010071904A2 (en
WO2010071904A9 (en
Inventor
Grant Paul Weideman
Selvanathan Narainsamy
Original Assignee
Radio Surveillance Security Sa (Pty) Ltd
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 Radio Surveillance Security Sa (Pty) Ltd filed Critical Radio Surveillance Security Sa (Pty) Ltd
Priority to EP09813865A priority Critical patent/EP2380122A2/en
Priority to CN200980151333.1A priority patent/CN102301384A/en
Priority to SG2011044435A priority patent/SG172224A1/en
Priority to AU2009327344A priority patent/AU2009327344A1/en
Priority to CA2747249A priority patent/CA2747249A1/en
Publication of WO2010071904A2 publication Critical patent/WO2010071904A2/en
Publication of WO2010071904A3 publication Critical patent/WO2010071904A3/en
Publication of WO2010071904A9 publication Critical patent/WO2010071904A9/en
Priority to ZA2011/00774A priority patent/ZA201100774B/en

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
    • G06F21/31—User authentication
    • G06F21/34—User authentication involving the use of external additional devices, e.g. dongles or smart cards
    • 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
    • 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
    • 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
    • H04L63/0853—Network architectures or network communication protocols for network security for authentication of entities using an additional device, e.g. smartcard, SIM or a different communication terminal
    • 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

A method for generating a code on card related transactions such as credit card transactions includes loading multi-factor authentication software onto the card itself. The software is read by a card transaction terminal such as an ATM or a similar payment station which generates a time and/or date specific code which is verified with a code generated on a remote CPU running similar or identical multi-factor authentication software. The two codes need not be identical, but should be similar to a sufficient tolerance to ensure that there is no security breach. Once the code is verified the transaction may proceed as it would normally.
PCT/ZA2009/000111 2008-12-17 2009-12-17 Security measures for credit card WO2010071904A2 (en)

Priority Applications (6)

Application Number Priority Date Filing Date Title
EP09813865A EP2380122A2 (en) 2008-12-17 2009-12-17 Security measures for credit card
CN200980151333.1A CN102301384A (en) 2008-12-17 2009-12-17 Security Measures For Credit Card
SG2011044435A SG172224A1 (en) 2008-12-17 2009-12-17 Security measures for credit card
AU2009327344A AU2009327344A1 (en) 2008-12-17 2009-12-17 Security measures for credit card
CA2747249A CA2747249A1 (en) 2008-12-17 2009-12-17 Security measures for credit card
ZA2011/00774A ZA201100774B (en) 2008-12-17 2011-01-31 Security measures for credit card

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
ZA2008/10812 2008-12-17
ZA200810812 2008-12-17

Publications (3)

Publication Number Publication Date
WO2010071904A2 WO2010071904A2 (en) 2010-06-24
WO2010071904A3 true WO2010071904A3 (en) 2010-08-12
WO2010071904A9 WO2010071904A9 (en) 2010-11-11

Family

ID=42135951

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/ZA2009/000111 WO2010071904A2 (en) 2008-12-17 2009-12-17 Security measures for credit card

Country Status (7)

Country Link
EP (1) EP2380122A2 (en)
CN (1) CN102301384A (en)
AU (1) AU2009327344A1 (en)
CA (1) CA2747249A1 (en)
SG (1) SG172224A1 (en)
WO (1) WO2010071904A2 (en)
ZA (1) ZA201100774B (en)

Families Citing this family (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN106330891A (en) * 2016-08-21 2017-01-11 上海林果实业股份有限公司 Smart card, verification code verifying method and system
WO2019031717A1 (en) * 2017-08-09 2019-02-14 주식회사 센스톤 Intra-store communication network-based payment system, portable terminal comprising intra-store communication network-based payment function, method for providing intra-store communication network-based payment service, and program for performing same

Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20030105964A1 (en) * 2001-12-04 2003-06-05 Brainard John G. Method and apparatus for performing enhanced time-based authentication
WO2003063099A2 (en) * 2002-01-17 2003-07-31 Michel Caron Apparatus and method of identifying the user thereof by means of a variable identification code
US20040172535A1 (en) * 2002-11-27 2004-09-02 Rsa Security Inc. Identity authentication system and method
WO2004111807A1 (en) * 2003-06-19 2004-12-23 Koninklijke Philips Electronics N.V. Method and apparatus for authenticating a password
WO2007126227A1 (en) * 2006-05-01 2007-11-08 Mi Rae Technology Co., Ltd Time sync-type otp generation device and method for mobile phones
WO2009026365A2 (en) * 2007-08-20 2009-02-26 Visa International Service Association Method and system for implementing a dynamic verification value

Patent Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20030105964A1 (en) * 2001-12-04 2003-06-05 Brainard John G. Method and apparatus for performing enhanced time-based authentication
WO2003063099A2 (en) * 2002-01-17 2003-07-31 Michel Caron Apparatus and method of identifying the user thereof by means of a variable identification code
US20040172535A1 (en) * 2002-11-27 2004-09-02 Rsa Security Inc. Identity authentication system and method
WO2004111807A1 (en) * 2003-06-19 2004-12-23 Koninklijke Philips Electronics N.V. Method and apparatus for authenticating a password
WO2007126227A1 (en) * 2006-05-01 2007-11-08 Mi Rae Technology Co., Ltd Time sync-type otp generation device and method for mobile phones
WO2009026365A2 (en) * 2007-08-20 2009-02-26 Visa International Service Association Method and system for implementing a dynamic verification value

Also Published As

Publication number Publication date
EP2380122A2 (en) 2011-10-26
CA2747249A1 (en) 2010-06-24
ZA201100774B (en) 2011-10-26
CN102301384A (en) 2011-12-28
WO2010071904A2 (en) 2010-06-24
AU2009327344A1 (en) 2011-07-21
SG172224A1 (en) 2011-07-28
WO2010071904A9 (en) 2010-11-11

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