HUP0200463A2 - Architektúra kiterjedt ügyfélkörben végrehajtható bankkártyás fizetési tranzakciók egyszerűsített hardver igényű lebonyolításához, tranzakciós terminálegység, bővített funkciós SIM-kártya, valamint eljárások megszemélyesítésre és tranzakciók lebonyolítására - Google Patents

Architektúra kiterjedt ügyfélkörben végrehajtható bankkártyás fizetési tranzakciók egyszerűsített hardver igényű lebonyolításához, tranzakciós terminálegység, bővített funkciós SIM-kártya, valamint eljárások megszemélyesítésre és tranzakciók lebonyolítására

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Publication number
HUP0200463A2
HUP0200463A2 HU0200463A HUP0200463A HUP0200463A2 HU P0200463 A2 HUP0200463 A2 HU P0200463A2 HU 0200463 A HU0200463 A HU 0200463A HU P0200463 A HUP0200463 A HU P0200463A HU P0200463 A2 HUP0200463 A2 HU P0200463A2
Authority
HU
Hungary
Prior art keywords
bank card
gsm
bank
card
transaction
Prior art date
Application number
HU0200463A
Other languages
English (en)
Inventor
Balázs Inotay
Gábor Parragh
Barkóczy Bánk Hadik
Ferenc Kokovai
László Fűkő
András Kapitány
Péter Kárpáti
Gábor Lipcsei
Original Assignee
Enigma Software Rt.
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 Enigma Software Rt. filed Critical Enigma Software Rt.
Priority to HU0200463A priority Critical patent/HU224788B1/hu
Publication of HU0200463D0 publication Critical patent/HU0200463D0/hu
Priority to PCT/HU2003/000011 priority patent/WO2003067530A2/en
Priority to AU2003205917A priority patent/AU2003205917A1/en
Priority to CA2512882A priority patent/CA2512882C/en
Priority to US10/503,803 priority patent/US20050222949A1/en
Priority to EP03702800A priority patent/EP1525566A2/en
Publication of HUP0200463A2 publication Critical patent/HUP0200463A2/hu
Publication of HU224788B1 publication Critical patent/HU224788B1/hu
Priority to US14/451,634 priority patent/US20150058200A1/en

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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
    • G06Q20/30—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
    • G06Q20/326—Payment applications installed on the mobile 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
    • G06Q20/32—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]
    • G06Q20/3229—Use of the SIM of a M-device as secure element
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102—Bill distribution or payments
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/105—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems involving programming of a portable memory device, e.g. IC cards, "electronic purses"
    • 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
    • G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
    • G06Q20/3255—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks using mobile network messaging services for payment, e.g. SMS
    • 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
    • G06Q20/355—Personalisation of cards for use
    • G06Q20/3552—Downloading or loading of personalisation data
    • 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
    • G06Q20/3576—Multiple memory zones on card
    • 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
    • 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
    • G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
    • H04M15/68—Payment of value-added services
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H04M17/10—Account details or usage
    • H04M17/103—Account details or usage using SIMs (USIMs) or calling cards
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H04M17/10—Account details or usage
    • H04M17/106—Account details or usage using commercial credit or debit cards
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H04M2017/12—Prepayment of wireline communication systems, wireless communication systems or telephone systems using calling, telephone credit/debit cards
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H04M2017/14—Prepayment of wireline communication systems, wireless communication systems or telephone systems using commercial credit/debit cards, e.g. VISA, AMEX
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/01—Details of billing arrangements
    • H04M2215/0196—Payment of value-added services, mainly when their charges are added on the telephone bill, e.g. payment of non-telecom services, e-commerce, on-line banking
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/32—Involving wireless systems

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  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • General Physics & Mathematics (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Finance (AREA)
  • Signal Processing (AREA)
  • Computer Security & Cryptography (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Mobile Radio Communication Systems (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Cash Registers Or Receiving Machines (AREA)

Abstract

Az architektúrában bankkártya kibocsátására jogosult egy vagy többkibocsátó banknál bankszámlát vezető, szokványos bankkártya- azonosítóinformációt hordozó mobil bankkártyával, valamint GSM mobiltelefonnalés a GSM-szolgáltatás elérését biztosító érvényes SIM-kártyávalrendelkező ügyfelek (1), valamint egy vagy több elfogadó banknálbankszámlát vezető, tranzakciós terminálfunkciójú egységgel ésrendszerüzenetek fogadására alkalmas eszközzel rendelkező szolgáltatók(2) vannak. Az ügyfél (1) bővített funkciós SIM-kártyával van ellátva,amely a fizetési alkalmazást, valamint a szokványos bankkártya-azonosító információt is tartalmazza. Az architektúrában van egy mobilfizetési központ (4), amely GSM-szolgáltató által biztosított elsőtípusú kommunikációs csatornán és kétirányú kriptográfiaiillesztőfelületen keresztül csatlakozik az adott tranzakcióban résztvevő adott ügyfélhez (1) és szolgáltatóhoz (2), és második típusúkommunikációs csatornán és kétirányú kriptográfiai illesztőfelületenkeresztül csatlakozik a tranzakcióban érintett elfogadó bankibankkártya-autorizációs központ(ok)hoz (11). A mobil fizetési központ(4) szolgáltatóhoz (2) rendelt tranzakciós terminálegységként mindenegyes szolgáltatóhoz (2) legalább egy virtuális POS-terminált (5)tartalmaz, amely legalább a tranzakciós terminálegységként alkalmazottbankkártyaolvasó hagyományos hardver POS-terminálok (5) által kezeltadatok ellenőrzésére és/vagy a második típusú kommunikációs csatornánkeresztüli autorizációs üzenetválasz kezelésre alkalmas kialakítású. Atranzakciós terminálegység bankkártyaadatok ellenőrzésére és/vagykommunikációs csatornán keresztüli autorizációs üzenet kezelésreszolgál. A bővített funkciós SIM-kártya a GSM-szolgáltatásigénybevételéhez szükséges SIM-kártya-funkciók ellátásán kívül egyattól elkülönített második tárterületet tartalmaz további adatoktárolásához, és legalább logikai műveletek végzésére alkalmas műveletiegységet (CPU) tartalmaz. A második tárterület legalább a szokványosanszükséges összes bankkártya-információ tárolására alkalmaskialakítású, és a bővített funkciós SIM-kártya továbbá a GSM-alapfunkciótól elkülönített kétirányú kriptográfiai illesztőfelületettartalmaz. Megszemélyesítési eljárásában a második tárterületet előremegformázott fájlszerkezetű, a GSM-szolgáltató által korábbam aktiváltbővített funkciós SIM-kártyát a GSM-szolgáltatótól független mobilfizetési központban kriptográfiai illesztőfelületen keresztültitkosított bankkártya-információval látják el a második tárterületen.A fizetési tranzakciót az ügyfél (1) az aktivált és megszemélyesítettbővített funkciós SIM-kártyát tartalmazó előfizetői GSM mobiltelefonkészülékről kezdeményezi, a kezdeményezéssel aszimmetrikuskriptográfiás módon kódolt SMS-alapú üzenetet juttat el egy mobilfizetési központba (4), ahol virtuális POS-terminálon
HU0200463A 2002-02-07 2002-02-07 Architektúra kiterjedt ügyfélkörben végrehajtható bankkártyás fizetési tranzakciók egyszerûsített hardverigényû lebonyolításához, tranzakciós terminálegység, bõvített funkciós SIM kártya, valamint eljárások megszemélyesítésre és tranzakciók lebonyolítására HU224788B1 (hu)

Priority Applications (7)

Application Number Priority Date Filing Date Title
HU0200463A HU224788B1 (hu) 2002-02-07 2002-02-07 Architektúra kiterjedt ügyfélkörben végrehajtható bankkártyás fizetési tranzakciók egyszerûsített hardverigényû lebonyolításához, tranzakciós terminálegység, bõvített funkciós SIM kártya, valamint eljárások megszemélyesítésre és tranzakciók lebonyolítására
PCT/HU2003/000011 WO2003067530A2 (en) 2002-02-07 2003-02-07 Architecture of simplified hardware requirements for bank card payment transactions in a large group of clients, transaction terminal unit, extended function sim card, and methods for individualisation and performing transaction
AU2003205917A AU2003205917A1 (en) 2002-02-07 2003-02-07 Architecture of simplified hardware requirements for bank card payment transactions in a large group of clients, transaction terminal unit, extended function sim card, and methods for individualisation and performing transaction
CA2512882A CA2512882C (en) 2002-02-07 2003-02-07 Architecture of simplified hardware requirements for bank card payment transactions in a large group of clients, transaction terminal unit, extended function sim card, and methods for individualisation and performing transaction
US10/503,803 US20050222949A1 (en) 2002-02-07 2003-02-07 Architecture of simplified hardware requirements for bank card payment transactions in a large group of clients, transaction terminal unit, extended function sim card, and methods for individualisation and performing transaction
EP03702800A EP1525566A2 (en) 2002-02-07 2003-02-07 Architecture of simplified hardware requirements for bank card payment transactions in a large group of clients; transaction terminal unit; extended function sim card; and methods for individualisation and performing transaction
US14/451,634 US20150058200A1 (en) 2002-02-07 2014-08-05 Architecture of simplified hardware requirements for bank card payment transactions in a large group of clients, transaction terminal unit, extended function sim card, and methods for individualisation and performing transaction

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
HU0200463A HU224788B1 (hu) 2002-02-07 2002-02-07 Architektúra kiterjedt ügyfélkörben végrehajtható bankkártyás fizetési tranzakciók egyszerûsített hardverigényû lebonyolításához, tranzakciós terminálegység, bõvített funkciós SIM kártya, valamint eljárások megszemélyesítésre és tranzakciók lebonyolítására

Publications (3)

Publication Number Publication Date
HU0200463D0 HU0200463D0 (en) 2002-04-29
HUP0200463A2 true HUP0200463A2 (hu) 2003-11-28
HU224788B1 HU224788B1 (hu) 2006-02-28

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US (2) US20050222949A1 (hu)
EP (1) EP1525566A2 (hu)
AU (1) AU2003205917A1 (hu)
CA (1) CA2512882C (hu)
HU (1) HU224788B1 (hu)
WO (1) WO2003067530A2 (hu)

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