WO2003075131A3 - System and method for performing secure remote real-time financial transactions - Google Patents

System and method for performing secure remote real-time financial transactions Download PDF

Info

Publication number
WO2003075131A3
WO2003075131A3 PCT/US2003/006747 US0306747W WO03075131A3 WO 2003075131 A3 WO2003075131 A3 WO 2003075131A3 US 0306747 W US0306747 W US 0306747W WO 03075131 A3 WO03075131 A3 WO 03075131A3
Authority
WO
WIPO (PCT)
Prior art keywords
atm network
pair
identification information
compatible pins
network compatible
Prior art date
Application number
PCT/US2003/006747
Other languages
French (fr)
Other versions
WO2003075131A2 (en
Inventor
Paul Charles Turgeon
Original Assignee
Nyce Corp
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 Nyce Corp filed Critical Nyce Corp
Priority to CA002477537A priority Critical patent/CA2477537A1/en
Priority to AU2003217941A priority patent/AU2003217941A1/en
Priority to EP03713916A priority patent/EP1485843A4/en
Publication of WO2003075131A2 publication Critical patent/WO2003075131A2/en
Publication of WO2003075131A3 publication Critical patent/WO2003075131A3/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
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking 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
    • G06Q20/08—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
    • G06Q20/38—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
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]
    • G07F19/211—Software architecture within ATMs or in relation to the ATM network
    • 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
    • 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
    • G07F7/1058—PIN is checked locally
    • G07F7/1066—PIN data being compared to data on card
    • 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
    • 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
    • H04L9/3234—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 involving additional secure or trusted devices, e.g. TPM, smartcard, USB or software token
    • 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

Abstract

There is provided a system and method for providing a payment service including processing a payment service request having independent identification information and a pair of ATM network compatible PINs, including validating the independent identification information and generating an ATM network transaction message containing a t least a selected one of the pair of ATM network compatible PINs based at least in part on said validating step; and forwarding the ATM network transaction message to a financial institution over an ATM network for payment. The system and method my also include providing a data storage device for interacting with a network access device where the data storage device has the pair of ATM network compatible PINs stored thereon; and each one of the pair of ATM network compatible PINs is independently encrypted and different from one another. The system and method of the present invention may further provide for generating the payment service request including the pair of ATM network compatible PINs and independent identification information.
PCT/US2003/006747 2002-03-01 2003-03-03 System and method for performing secure remote real-time financial transactions WO2003075131A2 (en)

Priority Applications (3)

Application Number Priority Date Filing Date Title
CA002477537A CA2477537A1 (en) 2002-03-01 2003-03-03 System and method for performing secure remote real-time financial transactions
AU2003217941A AU2003217941A1 (en) 2002-03-01 2003-03-03 System and method for performing secure remote real-time financial transactions
EP03713916A EP1485843A4 (en) 2002-03-01 2003-03-03 System and method for performing secure remote real-time financial transactions over a public communicatons infrastructure with strong authentication

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US10/086,793 2002-03-01
US10/086,793 US20020152180A1 (en) 1999-09-10 2002-03-01 System and method for performing secure remote real-time financial transactions over a public communications infrastructure with strong authentication

Publications (2)

Publication Number Publication Date
WO2003075131A2 WO2003075131A2 (en) 2003-09-12
WO2003075131A3 true WO2003075131A3 (en) 2004-05-13

Family

ID=27787512

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2003/006747 WO2003075131A2 (en) 2002-03-01 2003-03-03 System and method for performing secure remote real-time financial transactions

Country Status (5)

Country Link
US (1) US20020152180A1 (en)
EP (1) EP1485843A4 (en)
AU (1) AU2003217941A1 (en)
CA (1) CA2477537A1 (en)
WO (1) WO2003075131A2 (en)

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Also Published As

Publication number Publication date
US20020152180A1 (en) 2002-10-17
CA2477537A1 (en) 2003-09-12
AU2003217941A8 (en) 2003-09-16
WO2003075131A2 (en) 2003-09-12
EP1485843A2 (en) 2004-12-15
EP1485843A4 (en) 2005-03-30
AU2003217941A1 (en) 2003-09-16

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