Global Patent Index - EP 1320839 A2

EP 1320839 A2 2003-06-25 - AN IMPROVED METHOD AND SYSTEM FOR CONDUCTING SECURE PAYMENTS OVER A COMPUTER NETWORK

Title (en)

AN IMPROVED METHOD AND SYSTEM FOR CONDUCTING SECURE PAYMENTS OVER A COMPUTER NETWORK

Title (de)

VERBESSERTES VERFAHREN UND SYSTEM ZUM AUSFÜHREN GESICHERTER ZAHLUNGEN ÜBER EIN COMPUTERNETZWERK

Title (fr)

PROCEDE ET SYSTEME AMELIORES PERMETTANT D'EFFECTUER DES PAIEMENTS SECURISES SUR UN RESEAU INFORMATIQUE

Publication

EP 1320839 A2 (EN)

Application

EP 01948538 A

Priority

  • US 0119753 W
  • US 21306300 P
  • US 22622700 P
  • US 80936701 A
  • US 83304901 A

Abstract (en)

[origin: WO0199070A2] A secure method of conducting an electronic transaction over a public communications network is provided which utilizes a pseudo-expiration date in the expiration date field of an authorization request. One of the preferred methods comprises: generating a per-card key associated with an account number; generating a message authentication code using the per-card key; converting the message authentication code into a pseudo expiration date; generating an authorization request for the transaction, the request having an expiration date field containing the pseudo expiration date; and verifying the message authentication code based on the pseudo expiration date. Another embodiment of the invention includes a method of conducting an electronic transaction over a public communications network, with a payment account number having an associated pseudo account number, comprising: a) providing the pseudo account number with a control field indicating one of a plurality of key-generation processes to be used to generate an authentication key; b) generating an authentication key associated with the pseudo account number using one of the plurality of key-generation processes indicated in the control field of the pseudo account number; c) using the authentication key to generate a message authentication code specific to the transaction; d) generating an authorization request message including the message authentication code and the pseudo account number; and e) verifying the message authentication code using the indicated key-generation process and the authentication key.

IPC 1-7 (main, further and additional classification)

G07F 19/00

IPC 8 full level (invention and additional information)

G06F 21/20 (2006.01); G06Q 20/00 (2012.01); G06Q 30/00 (2012.01); G07F 7/12 (2006.01); H04L 9/32 (2006.01)

CPC (invention and additional information)

G07F 7/08 (2013.01); G06Q 20/00 (2013.01); G06Q 20/02 (2013.01); G06Q 20/04 (2013.01); G06Q 20/14 (2013.01); G06Q 20/24 (2013.01); G06Q 20/3823 (2013.01); G06Q 20/3825 (2013.01); G06Q 20/3829 (2013.01); G06Q 20/385 (2013.01); G06Q 30/06 (2013.01); G07F 7/12 (2013.01); G07F 7/122 (2013.01)

Citation (search report)

See references of WO 0199070A2

Designated contracting state (EPC)

AT BE CH CY DE DK ES FI FR GB GR IE IT LI LU MC NL PT SE TR

EPO simple patent family

WO 0199070 A2 20011227; WO 0199070 A3 20030116; AU 7001101 A 20020102; AU 781671 B2 20050602; CA 2382696 A1 20011227; EP 1320839 A2 20030625; JP 2003536180 A 20031202; JP 5093957 B2 20121212

INPADOC legal status


2011-02-02 [REG HK WD] APPLICATIONS WITHDRAWN, DEEMED TO BE WITHDRAWN, OR REFUSED AFTER PUBLICATION IN HONG KONG

- Document: HK 1057808

2006-07-05 [18D] APPLICATION DEEMED TO BE WITHDRAWN

- Effective date: 20051231

2004-10-06 [17Q] FIRST EXAMINATION REPORT

- Effective date: 20040823

2003-06-25 [17P] REQUEST FOR EXAMINATION FILED

- Effective date: 20020321

2003-06-25 [AK] DESIGNATED CONTRACTING STATES:

- Designated State(s): AT BE CH CY DE DK ES FI FR GB GR IE IT LI LU MC NL PT SE TR

2003-06-25 [AX] REQUEST FOR EXTENSION OF THE EUROPEAN PATENT TO:

- Countries: AL LT LV MK RO SI