CN1307818C - 一种用于电子交易的密码系统和方法 - Google Patents

一种用于电子交易的密码系统和方法 Download PDF

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Publication number
CN1307818C
CN1307818C CNB998070726A CN99807072A CN1307818C CN 1307818 C CN1307818 C CN 1307818C CN B998070726 A CNB998070726 A CN B998070726A CN 99807072 A CN99807072 A CN 99807072A CN 1307818 C CN1307818 C CN 1307818C
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CN
China
Prior art keywords
transaction
service provider
message
merchant
key
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Expired - Fee Related
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CNB998070726A
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English (en)
Chinese (zh)
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CN1304602A (zh
Inventor
杰伊·C·陈
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Individual
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Individual
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Expired - Fee Related legal-status Critical Current

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    • 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 OR CALCULATING; 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 OR CALCULATING; 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 OR CALCULATING; 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 OR CALCULATING; 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 OR CALCULATING; 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 OR CALCULATING; 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 OR CALCULATING; 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)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Strategic Management (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)
CNB998070726A 1998-05-05 1999-05-05 一种用于电子交易的密码系统和方法 Expired - Fee Related CN1307818C (zh)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US8425798P 1998-05-05 1998-05-05
US60/084,257 1998-05-05

Related Child Applications (1)

Application Number Title Priority Date Filing Date
CNA2007100063782A Division CN101087189A (zh) 1998-05-05 1999-05-05 一种用于电子交易的密码系统和方法

Publications (2)

Publication Number Publication Date
CN1304602A CN1304602A (zh) 2001-07-18
CN1307818C true CN1307818C (zh) 2007-03-28

Family

ID=22183802

Family Applications (2)

Application Number Title Priority Date Filing Date
CNB998070726A Expired - Fee Related CN1307818C (zh) 1998-05-05 1999-05-05 一种用于电子交易的密码系统和方法
CNA2007100063782A Pending CN101087189A (zh) 1998-05-05 1999-05-05 一种用于电子交易的密码系统和方法

Family Applications After (1)

Application Number Title Priority Date Filing Date
CNA2007100063782A Pending CN101087189A (zh) 1998-05-05 1999-05-05 一种用于电子交易的密码系统和方法

Country Status (7)

Country Link
JP (2) JP2002514839A (fr)
CN (2) CN1307818C (fr)
AU (1) AU762708B2 (fr)
CA (1) CA2329032C (fr)
GB (1) GB2353623B (fr)
TW (1) TW476202B (fr)
WO (1) WO1999057835A1 (fr)

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HK1047169A1 (zh) 1999-06-18 2003-02-07 Echarge Corporation 使用虚拟支付帐户在因特网上定购产品、服务和内容的方法和装置
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
AU3348401A (en) * 2000-02-14 2001-08-20 Yong Kin Michael Ong Electronic funds transfers - zipfund
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
FR2805913B1 (fr) * 2000-03-01 2002-08-09 Ingenico Sa Terminal de paiement sur reseau local
FR2807552B1 (fr) * 2000-04-11 2004-01-09 France Telecom Terminal horodateur de paiement su stationnement payant d'un vehicule automobile
US7024395B1 (en) 2000-06-16 2006-04-04 Storage Technology Corporation Method and system for secure credit card transactions
AU2001284721A1 (en) 2000-08-04 2002-02-18 First Data Corporation Method and apparatus for access authentication entity
US7552333B2 (en) 2000-08-04 2009-06-23 First Data Corporation Trusted authentication digital signature (tads) system
JP2002158650A (ja) * 2000-11-21 2002-05-31 Fujitsu Ltd 認証・暗号化処理代行用のサーバ、アクセスカード、プログラム記録媒体及び携帯端末
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
GB2384096A (en) * 2001-12-01 2003-07-16 Grass Roots Group Uk Ltd Payment system and related methods
JP3979195B2 (ja) * 2002-06-25 2007-09-19 ソニー株式会社 情報記憶装置、およびメモリアクセス制御方法、並びにコンピュータ・プログラム
JP2004171416A (ja) * 2002-11-21 2004-06-17 Ntt Docomo Inc 通信端末、価値実体提供サーバ、アプリケーション配信サーバ、電子購買支援システム、電子購買支援方法、及び電子購買支援プログラム
ES2244283B1 (es) * 2003-05-23 2007-02-16 Fco. Manuel Cansino Fernandez Sistema de transaccion electronica.
US7490239B2 (en) 2005-01-07 2009-02-10 First Data Corporation Facilitating digital signature based on ephemeral private key
US7593527B2 (en) 2005-01-07 2009-09-22 First Data Corporation Providing digital signature and public key based on shared knowledge
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 (fr) * 2007-05-29 2008-12-03 First Data Corporation Transaction de paiement sécurisé dans un environnement à plusieurs hôtes
US10558961B2 (en) 2007-10-18 2020-02-11 Wayne Fueling Systems Llc System and method for secure communication in a retail environment
CN102103651B (zh) * 2009-12-21 2012-11-14 中国移动通信集团公司 一种一卡通系统的实现方法和系统以及一种智能卡
CN102568097B (zh) * 2010-12-08 2017-02-22 邵通 一种增强电子钱包安全的方法和系统
CN103108245B (zh) * 2011-11-15 2016-09-28 中国银联股份有限公司 一种智能电视支付密钥系统以及基于智能电视的支付方法
US12072989B2 (en) 2011-12-09 2024-08-27 Sertainty Corporation System and methods for using cipher objects to protect data
US9792451B2 (en) 2011-12-09 2017-10-17 Echarge2 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 (zh) * 2014-04-25 2014-07-23 天地融科技股份有限公司 数据安全交互系统
CN104243171A (zh) * 2014-10-15 2014-12-24 北京奇虎科技有限公司 反馈数据的全文保护、校验方法和装置
WO2017152037A1 (fr) 2016-03-04 2017-09-08 1Usf, Inc. Systèmes et procédés destinés aux codecs et récipients multimédia
WO2017160660A2 (fr) * 2016-03-15 2017-09-21 Visa International Service Association Cryptogramme de validation pour interaction
WO2017175926A1 (fr) * 2016-04-05 2017-10-12 삼성전자 주식회사 Procédé de paiement électronique et dispositif électronique utilisant une cryptographie à clé publique basée sur l'identité
GB2549118B (en) 2016-04-05 2020-12-16 Samsung Electronics Co Ltd Electronic payment system using identity-based public key cryptography

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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

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US5396558A (en) * 1992-09-18 1995-03-07 Nippon Telegraph And Telephone Corporation Method and apparatus for settlement of accounts by IC cards
JP3348753B2 (ja) * 1994-04-28 2002-11-20 日本電信電話株式会社 暗号鍵配送システムおよび方法
US5537474A (en) * 1994-07-29 1996-07-16 Motorola, Inc. Method and apparatus for authentication in a communication system
JP3498268B2 (ja) * 1994-09-14 2004-02-16 日本電信電話株式会社 文書通信管理方法
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Patent Citations (2)

* Cited by examiner, † Cited by third party
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

Also Published As

Publication number Publication date
TW476202B (en) 2002-02-11
GB2353623A (en) 2001-02-28
HK1038657A1 (en) 2002-03-22
GB2353623B (en) 2003-01-08
WO1999057835A1 (fr) 1999-11-11
AU4307599A (en) 1999-11-23
CN1304602A (zh) 2001-07-18
CA2329032C (fr) 2004-04-13
WO1999057835A9 (fr) 2000-02-03
CN101087189A (zh) 2007-12-12
JP2005065315A (ja) 2005-03-10
CA2329032A1 (fr) 1999-11-11
GB0026755D0 (en) 2000-12-20
JP2002514839A (ja) 2002-05-21
AU762708B2 (en) 2003-07-03

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C06 Publication
PB01 Publication
C10 Entry into substantive examination
SE01 Entry into force of request for substantive examination
C14 Grant of patent or utility model
GR01 Patent grant
C17 Cessation of patent right
CF01 Termination of patent right due to non-payment of annual fee

Granted publication date: 20070328

Termination date: 20130505