PL3895108T3 - Urządzenie i sposób zabezpieczania danych zabezpieczających bankowej karty płatniczej - Google Patents

Urządzenie i sposób zabezpieczania danych zabezpieczających bankowej karty płatniczej

Info

Publication number
PL3895108T3
PL3895108T3 PL19759671.1T PL19759671T PL3895108T3 PL 3895108 T3 PL3895108 T3 PL 3895108T3 PL 19759671 T PL19759671 T PL 19759671T PL 3895108 T3 PL3895108 T3 PL 3895108T3
Authority
PL
Poland
Prior art keywords
payment card
security data
bank payment
securing security
securing
Prior art date
Application number
PL19759671.1T
Other languages
English (en)
Inventor
Charli ABISDID
Marlène ABISDID
Original Assignee
Ccs12
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 Ccs12 filed Critical Ccs12
Publication of PL3895108T3 publication Critical patent/PL3895108T3/pl

Links

Classifications

    • 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
    • G06Q20/355Personalisation of cards for use
    • GPHYSICS
    • G06COMPUTING OR CALCULATING; COUNTING
    • G06FELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/60Protecting data
    • G06F21/62Protecting access to data via a platform, e.g. using keys or access control rules
    • G06F21/6218Protecting access to data via a platform, e.g. using keys or access control rules to a system of files or objects, e.g. local or distributed file system or database
    • G06F21/6245Protecting personal data, e.g. for financial or medical purposes
    • GPHYSICS
    • G06COMPUTING OR CALCULATING; COUNTING
    • G06FELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/70Protecting specific internal or peripheral components, in which the protection of a component leads to protection of the entire computer
    • G06F21/82Protecting input, output or interconnection devices
    • G06F21/84Protecting input, output or interconnection devices output devices, e.g. displays or monitors
    • 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
    • G06K19/06009Record 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 with optically detectable marking
    • G06K19/06046Constructional details
    • G06K19/06159Constructional details the marking being relief type, e.g. three-dimensional bar codes engraved in a support
    • 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
    • G06K19/08Record 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 using markings of different kinds or more than one marking of the same kind in the same record carrier, e.g. one marking being sensed by optical and the other by magnetic means
    • G06K19/10Record 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 using markings of different kinds or more than one marking of the same kind in the same record carrier, e.g. one marking being sensed by optical and the other by magnetic means at least one kind of marking being used for authentication, e.g. of credit or identity cards
    • GPHYSICS
    • G06COMPUTING OR CALCULATING; COUNTING
    • G06KGRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K7/00Methods or arrangements for sensing record carriers, e.g. for reading patterns
    • G06K7/10Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation
    • G06K7/14Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation using light without selection of wavelength, e.g. sensing reflected white light
    • G06K7/1404Methods for optical code recognition
    • G06K7/1408Methods for optical code recognition the method being specifically adapted for the type of code
    • G06K7/14172D bar codes
    • GPHYSICS
    • G06COMPUTING OR CALCULATING; COUNTING
    • G06KGRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K7/00Methods or arrangements for sensing record carriers, e.g. for reading patterns
    • G06K7/10Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation
    • G06K7/14Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation using light without selection of wavelength, e.g. sensing reflected white light
    • G06K7/1404Methods for optical code recognition
    • G06K7/146Methods for optical code recognition the method including quality enhancement steps
    • G06K7/1491Methods for optical code recognition the method including quality enhancement steps the method including a reconstruction step, e.g. stitching two pieces of bar code together to derive the full bar code
    • 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
    • G06Q20/3274Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
    • 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
    • G06Q20/3276Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
    • 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
    • G06Q20/354Card activation or deactivation
    • 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
    • G06Q20/355Personalisation of cards for use
    • G06Q20/3558Preliminary personalisation for transfer to user
    • 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
    • G06Q20/4014Identity check for transactions
    • 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
    • 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
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02Banking, e.g. interest calculation or account maintenance
    • GPHYSICS
    • G06COMPUTING OR CALCULATING; COUNTING
    • G06TIMAGE DATA PROCESSING OR GENERATION, IN GENERAL
    • G06T11/00Two-dimensional [2D] image generation
    • 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
    • G07F7/0813Specific details related to card security
    • 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
    • G07F7/12Card verification
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
    • H04L9/50Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols using hash chains, e.g. blockchains or hash trees
    • 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
    • G06Q2220/00Business processing using cryptography
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L2209/00Additional information or applications relating to cryptographic mechanisms or cryptographic arrangements for secret or secure communication H04L9/00
    • H04L2209/56Financial cryptography, e.g. electronic payment or e-cash

Landscapes

  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Computer Security & Cryptography (AREA)
  • Finance (AREA)
  • Health & Medical Sciences (AREA)
  • General Health & Medical Sciences (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Computer Hardware Design (AREA)
  • Artificial Intelligence (AREA)
  • Toxicology (AREA)
  • Computer Vision & Pattern Recognition (AREA)
  • Electromagnetism (AREA)
  • Bioethics (AREA)
  • General Engineering & Computer Science (AREA)
  • Software Systems (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Technology Law (AREA)
  • Quality & Reliability (AREA)
  • Development Economics (AREA)
  • Databases & Information Systems (AREA)
  • Medical Informatics (AREA)
  • Signal Processing (AREA)
  • Credit Cards Or The Like (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
PL19759671.1T 2018-12-11 2019-08-07 Urządzenie i sposób zabezpieczania danych zabezpieczających bankowej karty płatniczej PL3895108T3 (pl)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
FR1872665 2018-12-11
PCT/FR2019/051912 WO2020120849A1 (fr) 2018-12-11 2019-08-07 Dispositif et procédé pour sécuriser des données sécuritaires d'une carte de paiement bancaire

Publications (1)

Publication Number Publication Date
PL3895108T3 true PL3895108T3 (pl) 2024-12-16

Family

ID=66218238

Family Applications (1)

Application Number Title Priority Date Filing Date
PL19759671.1T PL3895108T3 (pl) 2018-12-11 2019-08-07 Urządzenie i sposób zabezpieczania danych zabezpieczających bankowej karty płatniczej

Country Status (14)

Country Link
US (1) US20210216996A1 (pl)
EP (1) EP3895108B1 (pl)
JP (1) JP2022511964A (pl)
CN (1) CN113207305A (pl)
BR (1) BR112021011390A2 (pl)
CA (1) CA3122195A1 (pl)
EA (1) EA202191571A1 (pl)
ES (1) ES2992093T3 (pl)
IL (1) IL283861B2 (pl)
MA (1) MA68031B1 (pl)
PH (1) PH12021551376A1 (pl)
PL (1) PL3895108T3 (pl)
PT (1) PT3895108T (pl)
WO (1) WO2020120849A1 (pl)

Families Citing this family (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US11062098B1 (en) 2020-08-11 2021-07-13 Capital One Services, Llc Augmented reality information display and interaction via NFC based authentication
FR3120149B1 (fr) * 2021-02-24 2023-07-21 Ccs12 Carte de paiement, procédé d’authentification et utilisation pour un paiement à distance

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* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
FR2607133B1 (fr) * 1986-11-20 1989-05-05 Roussel Uclaf Nouveaux derives de l'acide 2,2-dimethyl cyclopropane carboxylique portant en 3 une chaine halogenee saturee, leur procede de preparation et leur application comme pesticides
US5326964A (en) * 1993-03-10 1994-07-05 Risser J Marlin Separable multi-account safety credit card
US6826281B1 (en) * 1999-06-15 2004-11-30 George S. Mentrup Storage-encryption-retrieval device and method with resulting business processes
WO2003055138A1 (en) * 2000-06-15 2003-07-03 George Mentrup Storage-encryption-retrieval device and method with resulting business processes
US7543739B2 (en) * 2003-12-17 2009-06-09 Qsecure, Inc. Automated payment card fraud detection and location
US7584153B2 (en) * 2004-03-15 2009-09-01 Qsecure, Inc. Financial transactions with dynamic card verification values
CN1780207A (zh) * 2004-11-24 2006-05-31 北京游戏之星软件有限公司 网络上的帐号确认方法
FR2890665B1 (fr) * 2005-09-15 2017-11-03 Arjowiggins Article securise, notamment un document de securite et/ou de valeur.
AU2006348113A1 (en) * 2006-09-07 2008-03-13 Asia Capital Services Limited Visual code transaction verification
CN1987938A (zh) * 2006-12-25 2007-06-27 中国工商银行股份有限公司 一种动态密码方法、系统及动态密码卡
CN101247229A (zh) * 2007-02-16 2008-08-20 黄江 密码保护筒
CN101316166A (zh) * 2008-07-07 2008-12-03 张寄望 基于随机字符组的动态口令身份认证方法
CN101369891A (zh) * 2008-09-22 2009-02-18 李乐平 一种动态密码认证方法及双矩阵动态密码卡
US8302858B2 (en) * 2009-03-24 2012-11-06 Eng U P Peter Methods and systems for protecting credit card account information
US8893967B2 (en) * 2009-05-15 2014-11-25 Visa International Service Association Secure Communication of payment information to merchants using a verification token
TW201228323A (en) * 2010-12-28 2012-07-01 Gamania Digital Entertainment Co Ltd Method for generating dynamic authimage through changing position of transparent region of mask film
FR2974756B1 (fr) * 2011-05-05 2014-01-31 Christophe Sais Dispositif de protection des informations personnelles visibles sur une carte personnelle
CN102968271A (zh) * 2012-11-06 2013-03-13 广东欧珀移动通信有限公司 一种解锁方法及移动终端
US20140279555A1 (en) 2013-03-14 2014-09-18 Nagraid Security, Inc. Dynamically allocated security code system for smart debt and credit cards
US20150161595A1 (en) * 2013-12-06 2015-06-11 Red Giant, Inc. Digital payment card presentation systems, methods, and apparatuses
FR3051060A1 (fr) 2016-05-03 2017-11-10 Myriam Lazzari Procede de securisation du cryptogramme d'une carte bancaire et carte bancaire ainsi realisee
FR3051581B1 (fr) 2016-05-20 2018-10-05 Paragon Id Dispositif de generation et d'affichage dynamique de code de securite

Also Published As

Publication number Publication date
WO2020120849A1 (fr) 2020-06-18
US20210216996A1 (en) 2021-07-15
CA3122195A1 (fr) 2020-06-18
BR112021011390A2 (pt) 2021-09-21
PT3895108T (pt) 2024-10-29
EA202191571A1 (ru) 2021-09-08
JP2022511964A (ja) 2022-02-01
CN113207305A (zh) 2021-08-03
PH12021551376A1 (en) 2021-11-29
EP3895108B1 (fr) 2024-07-24
IL283861B1 (en) 2024-05-01
MA68031B1 (fr) 2024-10-31
IL283861B2 (en) 2024-09-01
EP3895108A1 (fr) 2021-10-20
IL283861A (en) 2021-07-29
ES2992093T3 (es) 2024-12-09

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