FR2792143B1 - Procede et systeme de securisation de l'utilisation de cartes comportant des moyens d'identification et/ou d'authentification - Google Patents

Procede et systeme de securisation de l'utilisation de cartes comportant des moyens d'identification et/ou d'authentification

Info

Publication number
FR2792143B1
FR2792143B1 FR9904537A FR9904537A FR2792143B1 FR 2792143 B1 FR2792143 B1 FR 2792143B1 FR 9904537 A FR9904537 A FR 9904537A FR 9904537 A FR9904537 A FR 9904537A FR 2792143 B1 FR2792143 B1 FR 2792143B1
Authority
FR
France
Prior art keywords
cards
authentication
securing
identification
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.)
Expired - Fee Related
Application number
FR9904537A
Other languages
English (en)
Other versions
FR2792143A1 (fr
Inventor
Yves Eonnet
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
SARL SMART DESIGN
Original Assignee
SARL SMART DESIGN
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 SARL SMART DESIGN filed Critical SARL SMART DESIGN
Priority to FR9904537A priority Critical patent/FR2792143B1/fr
Priority to PCT/FR2000/000945 priority patent/WO2000062262A1/fr
Priority to EP00922691A priority patent/EP1171851A1/fr
Priority to AU43005/00A priority patent/AU4300500A/en
Publication of FR2792143A1 publication Critical patent/FR2792143A1/fr
Application granted granted Critical
Publication of FR2792143B1 publication Critical patent/FR2792143B1/fr
Anticipated expiration legal-status Critical
Expired - Fee Related legal-status Critical Current

Links

Classifications

    • 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
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
    • G06Q20/425—Confirmation, e.g. check or permission by the legal debtor of payment using two different networks, one for transaction and one for security confirmation
    • 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
    • G06Q20/22—Payment schemes or models
    • G06Q20/229—Hierarchy of users of accounts
    • G06Q20/2295—Parent-child type, e.g. where parent has control on child rights
    • 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
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3224—Transactions dependent on location of M-devices
    • 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
    • G06Q20/38—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
    • 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
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G06Q20/40145—Biometric identity checks
    • 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
    • G06Q20/405—Establishing or using transaction specific rules
    • 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
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
    • H04L63/0853—Network architectures or network communication protocols for network security for authentication of entities using an additional device, e.g. smartcard, SIM or a different communication terminal
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/18—Network architectures or network communication protocols for network security using different networks or channels, e.g. using out of band channels

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Computer Security & Cryptography (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Computer Hardware Design (AREA)
  • Signal Processing (AREA)
  • General Engineering & Computer Science (AREA)
  • Computing Systems (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • General Health & Medical Sciences (AREA)
  • Child & Adolescent Psychology (AREA)
  • Health & Medical Sciences (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Mobile Radio Communication Systems (AREA)
FR9904537A 1999-04-12 1999-04-12 Procede et systeme de securisation de l'utilisation de cartes comportant des moyens d'identification et/ou d'authentification Expired - Fee Related FR2792143B1 (fr)

Priority Applications (4)

Application Number Priority Date Filing Date Title
FR9904537A FR2792143B1 (fr) 1999-04-12 1999-04-12 Procede et systeme de securisation de l'utilisation de cartes comportant des moyens d'identification et/ou d'authentification
PCT/FR2000/000945 WO2000062262A1 (fr) 1999-04-12 2000-04-12 Procede et systeme de securisation de l'utilisation de cartes comportant des moyens d'identification et/ou d'authentification
EP00922691A EP1171851A1 (fr) 1999-04-12 2000-04-12 Procede et systeme de securisation de l'utilisation de cartes comportant des moyens d'identification et/ou d'authentification
AU43005/00A AU4300500A (en) 1999-04-12 2000-04-12 Method and device for securing the use of cards comprising means of identification and/or authentication

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
FR9904537A FR2792143B1 (fr) 1999-04-12 1999-04-12 Procede et systeme de securisation de l'utilisation de cartes comportant des moyens d'identification et/ou d'authentification

Publications (2)

Publication Number Publication Date
FR2792143A1 FR2792143A1 (fr) 2000-10-13
FR2792143B1 true FR2792143B1 (fr) 2004-04-02

Family

ID=9544283

Family Applications (1)

Application Number Title Priority Date Filing Date
FR9904537A Expired - Fee Related FR2792143B1 (fr) 1999-04-12 1999-04-12 Procede et systeme de securisation de l'utilisation de cartes comportant des moyens d'identification et/ou d'authentification

Country Status (4)

Country Link
EP (1) EP1171851A1 (fr)
AU (1) AU4300500A (fr)
FR (1) FR2792143B1 (fr)
WO (1) WO2000062262A1 (fr)

Families Citing this family (20)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
ITPI20000011A1 (it) * 2000-03-03 2001-09-03 Emanuele Gagliano Metodo e sistema di pagamento per l'e-commerce ed il mobile commerce basato sull'uso combinato di internet e delle reti di telefonia mobile
JP2002055960A (ja) * 2000-08-10 2002-02-20 Nec Corp カード認証システム及びカード認証方法
GB0122249D0 (en) * 2000-11-01 2001-11-07 British Telecomm Transaction authentication
FR2816736B1 (fr) 2000-11-10 2003-10-24 Smart Design Procede et installation de securisation de l'utilisation de supports associes a des identifiants et a des dispositifs electroniques
EP1207505A1 (fr) * 2000-11-15 2002-05-22 TELEFONAKTIEBOLAGET LM ERICSSON (publ) Méthode de paiement, appareil utilisateur, serveur, système de paiement et produit logiciel
FR2819127A1 (fr) 2001-01-02 2002-07-05 Smart Design Procede et installation de securisation de transactions a distance par confirmation de transaction
FI20011680L (fi) * 2001-08-21 2003-02-22 Bookit Oy Ajanvarausmenetelmä ja -järjestelmä
FR2834163B1 (fr) * 2001-12-20 2004-11-19 Cegetel Groupe Procede de controle d'acces a un contenu et systeme pour le controle d'acces a un contenu
GB2402792A (en) * 2003-06-11 2004-12-15 Sanjay Hora Verifying identity and authorising transactions
US7748617B2 (en) 2004-04-12 2010-07-06 Gray R O'neal Electronic identification system
US7275685B2 (en) 2004-04-12 2007-10-02 Rearden Capital Corporation Method for electronic payment
US7337956B2 (en) * 2004-04-12 2008-03-04 Rearden Capital Corporation System and method for facilitating the purchase of goods and services
CN100463467C (zh) * 2004-12-01 2009-02-18 中兴通讯股份有限公司 能支付乘车费的移动电话及其支付方法
DE102006037167A1 (de) * 2006-08-09 2008-02-14 Deutsche Telekom Ag Verfahren und System zur Durchführung eines Zahlungsvorgangs mit einem Zahlungsmittel
US8825073B1 (en) * 2006-10-31 2014-09-02 United Services Automoblie Association (USAA) GPS validation for transactions
DE102009060946A1 (de) * 2009-12-23 2011-06-30 Doering, Wolfram, 13469 Verfahren zur elektronischen Kommunikation von Bankaufträgen und Kommunikationssystem zur Ausübung des Verfahrens
BR112013024552A2 (pt) 2011-03-25 2016-12-20 Ltd Liability Company Eyeline Comm Cis método para fornecimento de informações enquanto conduzidas transações distribuídas e estrutura para implementação do mesmo
LU92006B1 (fr) * 2012-05-24 2013-11-25 Alexandre Coste Procédé de notification, identification, et authentification à un système de traitement automatisé de données par géolocalisation du demandeur
US20150120453A1 (en) * 2013-10-25 2015-04-30 Palo Alto Research Center Incorporated Real-time local offer targeting and delivery system
US11222339B2 (en) * 2019-12-17 2022-01-11 Capital One Services, Llc Computer-based systems and methods configured for one or more technological applications for authorizing a credit card for use by a user

Family Cites Families (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN1057178C (zh) * 1994-05-19 2000-10-04 黄金富 非现金即时付款的防盗保全的方法和设备系统
AU3977597A (en) * 1996-08-08 1998-02-25 Robert Richard Bock Financial transaction, authorization, notification and security apparatus
TW355899B (en) * 1997-01-30 1999-04-11 Qualcomm Inc Method and apparatus for performing financial transactions using a mobile communication unit
US6868391B1 (en) * 1997-04-15 2005-03-15 Telefonaktiebolaget Lm Ericsson (Publ) Tele/datacommunications payment method and apparatus
AU9362498A (en) * 1997-09-17 1999-04-05 Akos Andrasev Method for checking rightful use of a debit card or similar means giving right of disposing of a bank account

Also Published As

Publication number Publication date
EP1171851A1 (fr) 2002-01-16
AU4300500A (en) 2000-11-14
FR2792143A1 (fr) 2000-10-13
WO2000062262A1 (fr) 2000-10-19

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Legal Events

Date Code Title Description
ST Notification of lapse

Effective date: 20051230