WO2003003321A3 - Transaction verification system and method - Google Patents

Transaction verification system and method Download PDF

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Publication number
WO2003003321A3
WO2003003321A3 PCT/US2002/020354 US0220354W WO03003321A3 WO 2003003321 A3 WO2003003321 A3 WO 2003003321A3 US 0220354 W US0220354 W US 0220354W WO 03003321 A3 WO03003321 A3 WO 03003321A3
Authority
WO
WIPO (PCT)
Prior art keywords
token
transaction
passcode
digest
identification number
Prior art date
Application number
PCT/US2002/020354
Other languages
French (fr)
Other versions
WO2003003321A2 (en
Inventor
John R Michener
Original Assignee
Entpr Solutions Inc
John R Michener
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 Entpr Solutions Inc, John R Michener filed Critical Entpr Solutions Inc
Priority to AU2002345935A priority Critical patent/AU2002345935A1/en
Publication of WO2003003321A2 publication Critical patent/WO2003003321A2/en
Publication of WO2003003321A3 publication Critical patent/WO2003003321A3/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
    • G06Q20/04—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
    • G06Q20/12—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
    • G06Q20/22—Payment schemes or models
    • G06Q20/24—Credit schemes, i.e. "pay after"
    • 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
    • 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
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07C—TIME OR ATTENDANCE REGISTERS; REGISTERING OR INDICATING THE WORKING OF MACHINES; GENERATING RANDOM NUMBERS; VOTING OR LOTTERY APPARATUS; ARRANGEMENTS, SYSTEMS OR APPARATUS FOR CHECKING NOT PROVIDED FOR ELSEWHERE
    • G07C9/00—Individual registration on entry or exit
    • G07C9/20—Individual registration on entry or exit involving the use of a pass
    • G07C9/22—Individual registration on entry or exit involving the use of a pass in combination with an identity check of the pass holder
    • G07C9/23—Individual registration on entry or exit involving the use of a pass in combination with an identity check of the pass holder by means of a password
    • 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
    • G07F7/12—Card verification
    • G07F7/122—Online card verification

Abstract

A user (12) enters into a token (100) a token PIN (112), and an identification number of a financial instrument and a transaction amount of a transaction to be verified. If the token PIN (112) is correct, a processor (106) in the token (100) increments a transaction count (117), and generates a first passcode 818) using an encryption process using a digest keyset (108) to digest the information entered into the token (100). The user (12) provides the first passcode (18), the transaction count (117), and an identification number (110) associated with the token (100) to a merchant (14), who then transmits this to a financial institution (20), along with the identification number of the financial instrument and the transaction amount. The financial institution (20) transmits this information to a verification server (22), which uses the digest keyset (108) associated with the token (100) to generate a second passcode (passcode2) by digesting the same quantities as used to generate the first passcode (18). The verification server (22) verifies the transaction responsive to whether the first (18) and second (passcode2) passcodes are equal, and to whether the transaction count (117) is greater than the last transaction count (117') associated with the token (100).
PCT/US2002/020354 2001-06-26 2002-06-26 Transaction verification system and method WO2003003321A2 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU2002345935A AU2002345935A1 (en) 2001-06-26 2002-06-26 Transaction verification system and method

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US30106701P 2001-06-26 2001-06-26
US60/301,067 2001-06-26

Publications (2)

Publication Number Publication Date
WO2003003321A2 WO2003003321A2 (en) 2003-01-09
WO2003003321A3 true WO2003003321A3 (en) 2003-04-03

Family

ID=23161784

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2002/020354 WO2003003321A2 (en) 2001-06-26 2002-06-26 Transaction verification system and method

Country Status (3)

Country Link
US (1) US20020198848A1 (en)
AU (1) AU2002345935A1 (en)
WO (1) WO2003003321A2 (en)

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WO2003003321A2 (en) 2003-01-09
AU2002345935A1 (en) 2003-03-03

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