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IS5307A - Payment process and system - Google Patents

Payment process and system

Info

Publication number
IS5307A
IS5307AIS5307AIS5307AIS5307AIS 5307 AIS5307 AIS 5307AIS 5307 AIS5307 AIS 5307AIS 5307 AIS5307 AIS 5307AIS 5307 AIS5307 AIS 5307A
Authority
IS
Iceland
Prior art keywords
acquirer
terminal
cryptogram
payment process
smart card
Prior art date
Application number
IS5307A
Other languages
Icelandic (is)
Inventor
Charles Viner John
Barrington Everett David
Original Assignee
National Westminster Bank Plc.
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 National Westminster Bank Plc.filedCriticalNational Westminster Bank Plc.
Publication of IS5307ApublicationCriticalpatent/IS5307A/en

Links

Classifications

Landscapes

Abstract

A payment process and system using a smart card (1) which accesses a remote account at a card issuer (20) via an acquirer (18). The card is read in a terminal (6) which is in two-way communication (17) with the acquirer (18). As part of the payment process, a cryptogram of the transaction data is made by the smart card and used in the terminal (6) as a key to encrypt the PIN, entered by the cardholder, for transmission to the acquirer (18). The acquirer also creates a cryptogram, using the transaction data sent to it by the terminal (6), and uses this cryptogram (which should be the same as that created by the smart card) to decrypt the encrypted PIN. In this way, the use of an expensive tamper-resistant encrypting PIN pad at the terminal (6) is avoided, whilst maintaining security.
IS5307A1997-06-271999-12-17 Payment process and systemIS5307A (en)

Applications Claiming Priority (2)

Application NumberPriority DateFiling DateTitle
GBGB9713743.4AGB9713743D0 (en)1997-06-271997-06-27A cryptographic authentication process
PCT/GB1998/001865WO1999000775A1 (en)1997-06-271998-06-26Payment process and system

Publications (1)

Publication NumberPublication Date
IS5307Atrue IS5307A (en)1999-12-17

Family

ID=10815113

Family Applications (1)

Application NumberTitlePriority DateFiling Date
IS5307AIS5307A (en)1997-06-271999-12-17 Payment process and system

Country Status (22)

CountryLink
EP (1)EP0992026A1 (en)
JP (1)JP2002507297A (en)
KR (1)KR20010014257A (en)
CN (1)CN1260894A (en)
AU (1)AU8122598A (en)
BG (1)BG104041A (en)
BR (1)BR9810486A (en)
CA (1)CA2295032A1 (en)
EA (1)EA200000073A1 (en)
EE (1)EE9900598A (en)
GB (1)GB9713743D0 (en)
HU (1)HUP0003227A2 (en)
IS (1)IS5307A (en)
MX (1)MXPA99011836A (en)
NO (1)NO996488L (en)
NZ (1)NZ501887A (en)
PL (1)PL337533A1 (en)
SK (1)SK176199A3 (en)
TR (1)TR199903243T2 (en)
TW (1)TW411427B (en)
WO (1)WO1999000775A1 (en)
ZA (1)ZA985628B (en)

Families Citing this family (17)

* Cited by examiner, † Cited by third party
Publication numberPriority datePublication dateAssigneeTitle
US8108307B1 (en)*1998-03-302012-01-31Citicorp Development Center, Inc.System, method and apparatus for value exchange utilizing value-storing applications
AUPQ556600A0 (en)*2000-02-142000-03-02Ong, Yong Kin (Michael)Electronic funds transfers-zipfund
US7103575B1 (en)2000-08-312006-09-05International Business Machines CorporationEnabling use of smart cards by consumer devices for internet commerce
KR100420600B1 (en)*2001-11-022004-03-02에스케이 텔레콤주식회사METHOD FOR PROCESSING EMV PAYMENT BY USING IrFM
GB0305806D0 (en)*2003-03-132003-04-16Ecebs LtdSmartcard based value transfer
US8407097B2 (en)2004-04-152013-03-26Hand Held Products, Inc.Proximity transaction apparatus and methods of use thereof
US8549592B2 (en)2005-07-122013-10-01International Business Machines CorporationEstablishing virtual endorsement credentials for dynamically generated endorsement keys in a trusted computing platform
GB2435951A (en)*2006-02-232007-09-12Barclays Bank PlcSystem for PIN servicing
US7873835B2 (en)*2006-03-312011-01-18Emc CorporationAccessing data storage devices
CN102024288B (en)*2009-09-112014-02-26中国银联股份有限公司 A method and system for secure payment using a smart card
GB2476065A (en)*2009-12-092011-06-15Pol NisenblatA multi-currency cash deposit and exchange method and system
CN102096968A (en)*2009-12-092011-06-15中国银联股份有限公司Method for verifying accuracy of PIN (Personal Identification Number) in agent authorization service
EP2426652A1 (en)*2010-09-062012-03-07Gemalto SASimplified method for customising a smart card and associated device
CN102968865B (en)*2012-11-232016-08-31易联支付有限公司The authentication method of a kind of mobile payment and system
US10147087B2 (en)*2015-03-062018-12-04Mastercard International IncorporatedPrimary account number (PAN) length issuer identifier in payment account number data field of a transaction authorization request message
CN106991346A (en)*2017-04-182017-07-28东信和平科技股份有限公司The method and device of a kind of smart card issuing
CN113222600A (en)*2021-05-182021-08-06中国银行股份有限公司Offline payment method and system, payment terminal and collection terminal

Family Cites Families (3)

* Cited by examiner, † Cited by third party
Publication numberPriority datePublication dateAssigneeTitle
EP0198384A3 (en)*1985-04-091988-03-23Siemens Aktiengesellschaft Berlin Und MunchenMethod and device for enciphering data
US4965568A (en)*1989-03-011990-10-23Atalla Martin MMultilevel security apparatus and method with personal key
NL1001659C2 (en)*1995-11-151997-05-21Nederland Ptt Method for writing down an electronic payment method.

Also Published As

Publication numberPublication date
TW411427B (en)2000-11-11
KR20010014257A (en)2001-02-26
GB9713743D0 (en)1997-09-03
BG104041A (en)2000-05-31
CA2295032A1 (en)1999-01-07
EP0992026A1 (en)2000-04-12
NZ501887A (en)2001-05-25
SK176199A3 (en)2000-07-11
EE9900598A (en)2000-08-15
AU8122598A (en)1999-01-19
TR199903243T2 (en)2000-04-21
PL337533A1 (en)2000-08-28
NO996488D0 (en)1999-12-27
NO996488L (en)2000-02-28
BR9810486A (en)2000-09-12
JP2002507297A (en)2002-03-05
CN1260894A (en)2000-07-19
MXPA99011836A (en)2002-04-19
EA200000073A1 (en)2000-06-26
WO1999000775A1 (en)1999-01-07
ZA985628B (en)1999-01-26
HUP0003227A2 (en)2001-02-28

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