BRPI0513375A - método e sistema para integrar parámetros de transação de cartão de pagamentos - Google Patents

método e sistema para integrar parámetros de transação de cartão de pagamentos

Info

Publication number
BRPI0513375A
BRPI0513375A BRPI0513375-0A BRPI0513375A BRPI0513375A BR PI0513375 A BRPI0513375 A BR PI0513375A BR PI0513375 A BRPI0513375 A BR PI0513375A BR PI0513375 A BRPI0513375 A BR PI0513375A
Authority
BR
Brazil
Prior art keywords
card
payment card
magnetic stripe
card transaction
data
Prior art date
Application number
BRPI0513375-0A
Other languages
English (en)
Inventor
Patrick Smets
Eddy Lodewijk Hortensia Velde
Original Assignee
Mastercard International Inc
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 Mastercard International Inc filed Critical Mastercard International Inc
Publication of BRPI0513375A publication Critical patent/BRPI0513375A/pt

Links

Classifications

    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07FCOIN-FREED OR LIKE APPARATUS
    • G07F7/00Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08Mechanisms 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
    • G07F7/10Mechanisms 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
    • G07F7/1008Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
    • GPHYSICS
    • G06COMPUTING OR CALCULATING; COUNTING
    • G06KGRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/067Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
    • G06K19/07Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
    • GPHYSICS
    • G06COMPUTING OR CALCULATING; COUNTING
    • G06KGRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K17/00Methods or arrangements for effecting co-operative working between equipments covered by two or more of main groups G06K1/00 - G06K15/00, e.g. automatic card files incorporating conveying and reading operations
    • GPHYSICS
    • G06COMPUTING OR CALCULATING; COUNTING
    • G06KGRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K5/00Methods or arrangements for verifying the correctness of markings on a record carrier; Column detection devices
    • GPHYSICS
    • G06COMPUTING OR CALCULATING; COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327Short range or proximity payments by means of M-devices
    • GPHYSICS
    • G06COMPUTING OR CALCULATING; COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • GPHYSICS
    • G06COMPUTING OR CALCULATING; COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/346Cards serving only as information carrier of service
    • GPHYSICS
    • G06COMPUTING OR CALCULATING; COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/357Cards having a plurality of specified features
    • GPHYSICS
    • G06COMPUTING OR CALCULATING; COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, 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
    • G06Q20/401Transaction verification
    • G06Q20/4018Transaction verification using the card verification value [CVV] associated with the card
    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07FCOIN-FREED OR LIKE APPARATUS
    • G07F7/00Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08Mechanisms 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
    • G07F7/0806Details of the card
    • G07F7/0833Card having specific functional components
    • G07F7/084Additional components relating to data transfer and storing, e.g. error detection, self-diagnosis

Landscapes

  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Computer Security & Cryptography (AREA)
  • Finance (AREA)
  • Computer Hardware Design (AREA)
  • Credit Cards Or The Like (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)
  • Cash Registers Or Receiving Machines (AREA)

Abstract

MéTODO E SISTEMA PARA INTEGRAR PARáMETROS DE TRANSACãO DE CARTãO DE PAGAMENTOS. A presente invenção proporciona um sistema eletrónico de pagamentos que é configurado para processar transações dos tipos de cartão de pagamentos de proximidade e cartão de tarja magnética. Os dados da transação do cartão de tarja magnética são comunicados entre cartões, leitoras e autorizações de transações ou partes de aprovação, nas estruturas ou trilhas de dados padrões, conforme a Norma ISO 7811, da indústria comum. Os dados de transação de cartão de pagamento de proximidade, tais como, códigos de autenticação dinâmicos, são colocados em um espaço não usado, nas mesmas estruturas de dados formatadas de modo padronizado. A disponibilidade de espaço não usado varia com o emissor ou vendedor do cartão. Um emissor específico de mapa de bits proporciona um índice para o espaço disponível nos campos de dados discricionários, em trilhas de tarja magnética. O mapa de bits também é armazenado no campo de dados discricionário do cartão.
BRPI0513375-0A 2004-07-15 2005-07-15 método e sistema para integrar parámetros de transação de cartão de pagamentos BRPI0513375A (pt)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US58862404P 2004-07-15 2004-07-15
PCT/US2005/025221 WO2006020073A2 (en) 2004-07-15 2005-07-15 Method and system using a bitmap for passing contactless payment card transaction variables in standardized data formats

Publications (1)

Publication Number Publication Date
BRPI0513375A true BRPI0513375A (pt) 2008-05-06

Family

ID=35907933

Family Applications (1)

Application Number Title Priority Date Filing Date
BRPI0513375-0A BRPI0513375A (pt) 2004-07-15 2005-07-15 método e sistema para integrar parámetros de transação de cartão de pagamentos

Country Status (12)

Country Link
US (2) US7669772B2 (pt)
EP (1) EP1789903A4 (pt)
JP (1) JP4986852B2 (pt)
KR (1) KR101130152B1 (pt)
CN (1) CN101019126A (pt)
AU (1) AU2005274950B2 (pt)
BR (1) BRPI0513375A (pt)
CA (2) CA2929921C (pt)
IL (1) IL180698A0 (pt)
MX (1) MX2007000475A (pt)
WO (1) WO2006020073A2 (pt)
ZA (1) ZA200701126B (pt)

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CN113159948A (zh) * 2016-01-24 2021-07-23 杭州复杂美科技有限公司 区块链撮合交易所
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CN107194692B (zh) * 2017-05-27 2020-10-13 飞天诚信科技股份有限公司 一种获取动态二磁道信息的方法及终端
FR3067492B1 (fr) * 2017-06-13 2019-07-19 Ingenico Group Procede de transmission de donnees vers une tete de lecture magnetique, procede de traitement des donnees recues, terminal de paiement et programme correspondants
CN108596606A (zh) 2018-06-25 2018-09-28 阿里巴巴集团控股有限公司 一种交易卡和信息显示方法
SG11202102642PA (en) * 2018-09-17 2021-04-29 Blockrules Ltd Transaction authentication system and related methods
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Also Published As

Publication number Publication date
US20060022033A1 (en) 2006-02-02
JP4986852B2 (ja) 2012-07-25
JP2008508578A (ja) 2008-03-21
EP1789903A2 (en) 2007-05-30
CA2573807A1 (en) 2006-02-23
AU2005274950B2 (en) 2010-12-09
EP1789903A4 (en) 2011-02-09
CA2573807C (en) 2016-08-16
US7866552B2 (en) 2011-01-11
KR101130152B1 (ko) 2012-05-09
CA2929921C (en) 2017-08-01
CN101019126A (zh) 2007-08-15
WO2006020073A2 (en) 2006-02-23
CA2929921A1 (en) 2006-02-23
IL180698A0 (en) 2007-06-03
US20100108758A1 (en) 2010-05-06
US7669772B2 (en) 2010-03-02
AU2005274950A1 (en) 2006-02-23
KR20070041576A (ko) 2007-04-18
MX2007000475A (es) 2007-03-29
WO2006020073A3 (en) 2007-04-12
ZA200701126B (en) 2008-08-27

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Legal Events

Date Code Title Description
B07A Application suspended after technical examination (opinion) [chapter 7.1 patent gazette]
B15K Others concerning applications: alteration of classification

Ipc: G07F 7/10 (2006.01), G06Q 20/32 (2012.01), G06Q 20

B06G Technical and formal requirements: other requirements [chapter 6.7 patent gazette]
B07A Application suspended after technical examination (opinion) [chapter 7.1 patent gazette]
B09A Decision: intention to grant [chapter 9.1 patent gazette]
B11D Dismissal acc. art. 38, par 2 of ipl - failure to pay fee after grant in time