GB2353623A - A cryptographic system and method for electronic transactions - Google Patents
A cryptographic system and method for electronic transactionsInfo
- Publication number
- GB2353623A GB2353623A GB0026755A GB0026755A GB2353623A GB 2353623 A GB2353623 A GB 2353623A GB 0026755 A GB0026755 A GB 0026755A GB 0026755 A GB0026755 A GB 0026755A GB 2353623 A GB2353623 A GB 2353623A
- Authority
- GB
- United Kingdom
- Prior art keywords
- transaction
- card
- service providers
- electronic
- session keys
- Prior art date
- Legal status (The legal status 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 status listed.)
- Granted
Links
Classifications
-
- 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
- G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
-
- 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
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
-
- 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
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/357—Cards having a plurality of specified features
-
- 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
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
- G06Q20/363—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user
-
- 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
- G06Q20/3823—Payment protocols; Details thereof insuring higher security of transaction combining multiple encryption tools for a transaction
-
- 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
- G06Q20/3825—Use of electronic signatures
-
- 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
- G06Q20/409—Device specific authentication in transaction processing
- G06Q20/4093—Monitoring of device authentication
-
- 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
- G07F7/0866—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 by active credit-cards adapted therefor
-
- 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
Landscapes
- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- Accounting & Taxation (AREA)
- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- Theoretical Computer Science (AREA)
- Finance (AREA)
- Computer Security & Cryptography (AREA)
- Computer Networks & Wireless Communication (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Storage Device Security (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Computer And Data Communications (AREA)
Abstract
An electronic transaction system, which facilitates secure electronic transactions among multiple parties including cardholders (20), merchants (70), and service providers (SP) (60). The system involves electronic cards, commonly known as smart cards, and their equivalent computer software package. The card mimics a real wallet and contains commonly seen financial or non-financial instruments such as a credit card, checkbook, or driver's license. A transaction is protected by a hybrid key cryptographic system and is normally carried out on a public network such as the Internet. Digital signatures and random numbers are used to ensure integrity and authenticity. The card utilizes secret keys such as session keys assigned by service providers (SPs) to ensure privacy for each transaction. The SP is solely responsible for validating each participant's sensitive information and assigning session keys. The only trust relationship needed in a transaction is the one that exists between individual participants and the SP.
Priority Applications (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
GB0221222A GB2376337B (en) | 1998-05-05 | 1999-05-05 | A cryptographic method for electronic transactions |
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US8425798P | 1998-05-05 | 1998-05-05 | |
PCT/US1999/009938 WO1999057835A1 (en) | 1998-05-05 | 1999-05-05 | A cryptographic system and method for electronic transactions |
Publications (3)
Publication Number | Publication Date |
---|---|
GB0026755D0 GB0026755D0 (en) | 2000-12-20 |
GB2353623A true GB2353623A (en) | 2001-02-28 |
GB2353623B GB2353623B (en) | 2003-01-08 |
Family
ID=22183802
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
GB0026755A Expired - Fee Related GB2353623B (en) | 1998-05-05 | 1999-05-05 | Systems for electronic transactions |
Country Status (8)
Country | Link |
---|---|
JP (2) | JP2002514839A (en) |
CN (2) | CN101087189A (en) |
AU (1) | AU762708B2 (en) |
CA (1) | CA2329032C (en) |
GB (1) | GB2353623B (en) |
HK (1) | HK1038657A1 (en) |
TW (1) | TW476202B (en) |
WO (1) | WO1999057835A1 (en) |
Cited By (1)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
GB2384096A (en) * | 2001-12-01 | 2003-07-16 | Grass Roots Group Uk Ltd | Payment system and related methods |
Families Citing this family (30)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US7249097B2 (en) | 1999-06-18 | 2007-07-24 | Echarge Corporation | Method for ordering goods, services, and content over an internetwork using a virtual payment account |
WO2000079452A2 (en) | 1999-06-18 | 2000-12-28 | Echarge Corporation | Method and apparatus for ordering goods, services and content over an internetwork using a virtual payment account |
AUPQ556600A0 (en) | 2000-02-14 | 2000-03-02 | Ong, Yong Kin (Michael) | Electronic funds transfers-zipfund |
AU2005203599B2 (en) * | 2000-02-14 | 2007-03-08 | Yong Kin Ong (Michael) | Electronic funds transfer |
AU2001233484B2 (en) * | 2000-02-14 | 2005-05-12 | Ong, Yong Kin | Electronic funds transfers - zipfund |
FR2805913B1 (en) * | 2000-03-01 | 2002-08-09 | Ingenico Sa | PAYMENT TERMINAL ON LOCAL AREA |
FR2807552B1 (en) * | 2000-04-11 | 2004-01-09 | France Telecom | PAYMENT CLOCK TERMINAL ON PAID PARKING OF A MOTOR VEHICLE |
US7024395B1 (en) | 2000-06-16 | 2006-04-04 | Storage Technology Corporation | Method and system for secure credit card transactions |
AU2001287165A1 (en) * | 2000-08-04 | 2002-02-18 | First Data Corporation | Person-centric account-based digital signature system |
JP2002158650A (en) | 2000-11-21 | 2002-05-31 | Fujitsu Ltd | Proxy server for certification/ciphering processing, access card program recording medium and portable terminal |
AU2001268548A1 (en) * | 2001-06-19 | 2003-01-02 | Storage Technology Corporation | Method and system for secure credit card transactions |
US20030056111A1 (en) * | 2001-09-19 | 2003-03-20 | Brizek John P. | Dynamically variable security protocol |
JP3979195B2 (en) * | 2002-06-25 | 2007-09-19 | ソニー株式会社 | Information storage device, memory access control method, and computer program |
JP2004171416A (en) * | 2002-11-21 | 2004-06-17 | Ntt Docomo Inc | Communication terminal, value substance providing server, application distribution server, electronic purchase support system, electronic purchase support method and electronic purchase support program |
ES2244283B1 (en) * | 2003-05-23 | 2007-02-16 | Fco. Manuel Cansino Fernandez | ELECTRONIC TRANSACTION SYSTEM. |
US7613915B2 (en) * | 2006-11-09 | 2009-11-03 | BroadOn Communications Corp | Method for programming on-chip non-volatile memory in a secure processor, and a device so programmed |
EP1998279A1 (en) * | 2007-05-29 | 2008-12-03 | First Data Corporation | Secure payment transaction in multi-host environment |
US10558961B2 (en) | 2007-10-18 | 2020-02-11 | Wayne Fueling Systems Llc | System and method for secure communication in a retail environment |
CN102103651B (en) * | 2009-12-21 | 2012-11-14 | 中国移动通信集团公司 | Method and system for realizing all-purpose card system and smart card |
CN102568097B (en) * | 2010-12-08 | 2017-02-22 | 邵通 | Method and system for improving safety of electronic wallets |
CN103108245B (en) * | 2011-11-15 | 2016-09-28 | 中国银联股份有限公司 | A kind of intelligent television pays cipher key system and method for payment based on intelligent television |
US9792451B2 (en) | 2011-12-09 | 2017-10-17 | Echarge2 Corporation | System and methods for using cipher objects to protect data |
US12072989B2 (en) | 2011-12-09 | 2024-08-27 | Sertainty Corporation | System and methods for using cipher objects to protect data |
US9264413B2 (en) * | 2012-12-06 | 2016-02-16 | Qualcomm Incorporated | Management of network devices utilizing an authorization token |
CN103942688A (en) * | 2014-04-25 | 2014-07-23 | 天地融科技股份有限公司 | Data security interactive system |
CN104243171A (en) * | 2014-10-15 | 2014-12-24 | 北京奇虎科技有限公司 | Method and device for full-text protection and verification of feedback data |
US11386409B2 (en) | 2016-03-04 | 2022-07-12 | Sertintyone Corporation | Systems and methods for media codecs and containers |
WO2017160660A2 (en) * | 2016-03-15 | 2017-09-21 | Visa International Service Association | Validation cryptogram for interaction |
WO2017175926A1 (en) * | 2016-04-05 | 2017-10-12 | 삼성전자 주식회사 | Electronic payment method and electronic device using id-based public key cryptography |
GB2549118B (en) | 2016-04-05 | 2020-12-16 | Samsung Electronics Co Ltd | Electronic payment system using identity-based public key cryptography |
Citations (2)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US5544246A (en) * | 1993-09-17 | 1996-08-06 | At&T Corp. | Smartcard adapted for a plurality of service providers and for remote installation of same |
US5671279A (en) * | 1995-11-13 | 1997-09-23 | Netscape Communications Corporation | Electronic commerce using a secure courier system |
Family Cites Families (5)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US5396558A (en) * | 1992-09-18 | 1995-03-07 | Nippon Telegraph And Telephone Corporation | Method and apparatus for settlement of accounts by IC cards |
JP3348753B2 (en) * | 1994-04-28 | 2002-11-20 | 日本電信電話株式会社 | Encryption key distribution system and method |
US5537474A (en) * | 1994-07-29 | 1996-07-16 | Motorola, Inc. | Method and apparatus for authentication in a communication system |
JP3498268B2 (en) * | 1994-09-14 | 2004-02-16 | 日本電信電話株式会社 | Document communication management method |
US5590197A (en) * | 1995-04-04 | 1996-12-31 | V-One Corporation | Electronic payment system and method |
-
1999
- 1999-05-05 CA CA002329032A patent/CA2329032C/en not_active Expired - Fee Related
- 1999-05-05 AU AU43075/99A patent/AU762708B2/en not_active Ceased
- 1999-05-05 WO PCT/US1999/009938 patent/WO1999057835A1/en active IP Right Grant
- 1999-05-05 CN CNA2007100063782A patent/CN101087189A/en active Pending
- 1999-05-05 GB GB0026755A patent/GB2353623B/en not_active Expired - Fee Related
- 1999-05-05 CN CNB998070726A patent/CN1307818C/en not_active Expired - Fee Related
- 1999-05-05 JP JP2000547720A patent/JP2002514839A/en active Pending
- 1999-11-04 TW TW88119209A patent/TW476202B/en not_active IP Right Cessation
-
2002
- 2002-01-15 HK HK02100280A patent/HK1038657A1/en not_active IP Right Cessation
-
2004
- 2004-09-16 JP JP2004270384A patent/JP2005065315A/en active Pending
Patent Citations (2)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US5544246A (en) * | 1993-09-17 | 1996-08-06 | At&T Corp. | Smartcard adapted for a plurality of service providers and for remote installation of same |
US5671279A (en) * | 1995-11-13 | 1997-09-23 | Netscape Communications Corporation | Electronic commerce using a secure courier system |
Non-Patent Citations (1)
Title |
---|
SCHNEIER, BRUCE. Applied Cryptography second edition. 1996. * |
Cited By (1)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
GB2384096A (en) * | 2001-12-01 | 2003-07-16 | Grass Roots Group Uk Ltd | Payment system and related methods |
Also Published As
Publication number | Publication date |
---|---|
TW476202B (en) | 2002-02-11 |
GB0026755D0 (en) | 2000-12-20 |
JP2002514839A (en) | 2002-05-21 |
WO1999057835A9 (en) | 2000-02-03 |
CN101087189A (en) | 2007-12-12 |
JP2005065315A (en) | 2005-03-10 |
WO1999057835A1 (en) | 1999-11-11 |
AU762708B2 (en) | 2003-07-03 |
CN1307818C (en) | 2007-03-28 |
CA2329032C (en) | 2004-04-13 |
HK1038657A1 (en) | 2002-03-22 |
CN1304602A (en) | 2001-07-18 |
CA2329032A1 (en) | 1999-11-11 |
AU4307599A (en) | 1999-11-23 |
GB2353623B (en) | 2003-01-08 |
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Legal Events
Date | Code | Title | Description |
---|---|---|---|
PCNP | Patent ceased through non-payment of renewal fee |
Effective date: 20120505 |