AR042707A1 - Procedimiento y tarjeta multi - clave para evitar fraudes por internet - Google Patents
Procedimiento y tarjeta multi - clave para evitar fraudes por internetInfo
- Publication number
- AR042707A1 AR042707A1 ARP040100013A ARP040100013A AR042707A1 AR 042707 A1 AR042707 A1 AR 042707A1 AR P040100013 A ARP040100013 A AR P040100013A AR P040100013 A ARP040100013 A AR P040100013A AR 042707 A1 AR042707 A1 AR 042707A1
- Authority
- AR
- Argentina
- Prior art keywords
- internet
- card
- user
- procedure
- key
- Prior art date
Links
Classifications
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- 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
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR 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
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR 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
- G06Q20/347—Passive cards
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR 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
- G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR 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
- G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR 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; CALCULATING OR 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
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR 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
- G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing
-
- 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
-
- 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
- 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
-
- 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
- G07F7/1025—Identification of user by a PIN code
-
- 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
- G07F7/1025—Identification of user by a PIN code
- G07F7/1075—PIN is checked remotely
-
- 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
- G07F7/1025—Identification of user by a PIN code
- G07F7/1083—Counting of PIN attempts
-
- 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
- H04L63/083—Network architectures or network communication protocols for network security for authentication of entities using passwords
- H04L63/0838—Network architectures or network communication protocols for network security for authentication of entities using passwords using one-time-passwords
-
- 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
- H04L63/0861—Network architectures or network communication protocols for network security for authentication of entities using biometrical features, e.g. fingerprint, retina-scan
Landscapes
- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- General Physics & Mathematics (AREA)
- Physics & Mathematics (AREA)
- Accounting & Taxation (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- Theoretical Computer Science (AREA)
- Computer Security & Cryptography (AREA)
- Finance (AREA)
- Computer Networks & Wireless Communication (AREA)
- Computer Hardware Design (AREA)
- Computing Systems (AREA)
- General Engineering & Computer Science (AREA)
- Signal Processing (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Storage Device Security (AREA)
Abstract
Procedimiento de seguridad especialmente disenado para legitimar transacciones y evitar los fraudes por Internet, que se pone en práctica con el uso de una tarjeta Multi-clave que contiene un código de identificación de tarjeta, un NICK del usuario y un número variable de PINS ocultos que sirven para realizar solo una operación, quedando luego de la misma invalidados. El procedimiento contempla la posibilidad de que el usuario use la tarjeta Multi.clave a través de la Web o por medio de una Call Center, en ambos casos a la espera de la autenticación de su identidad por parte de un centro de autorizaciones. Este centro posee una base de datos aislado y no disponible en Internet donde se guardan todos los datos sensibles que deben permanecer a resguardo para evitar cualquier tipo de falsificación. De este modo, tanto el sistema para operar por la Web como el operador del Call Center chequearán la información suministrada por el usuario (código de tarjeta + NICk + PIN) en la base de datos aislada y a continuación autorización o denegarán la operación, de acuerdo con el resultado del proceso de autenticación de identidad.
Priority Applications (3)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
ARP040100013A AR042707A1 (es) | 2004-01-05 | 2004-01-05 | Procedimiento y tarjeta multi - clave para evitar fraudes por internet |
PCT/US2005/000068 WO2005069524A1 (en) | 2004-01-05 | 2005-01-05 | Procedure and multi-key card to avoid internet fraud |
US10/584,931 US20080040784A1 (en) | 2004-01-05 | 2005-01-05 | Procedure and Multi-Key Card to Avoid Internet Fraud |
Applications Claiming Priority (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
ARP040100013A AR042707A1 (es) | 2004-01-05 | 2004-01-05 | Procedimiento y tarjeta multi - clave para evitar fraudes por internet |
Publications (1)
Publication Number | Publication Date |
---|---|
AR042707A1 true AR042707A1 (es) | 2005-06-29 |
Family
ID=39052326
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
ARP040100013A AR042707A1 (es) | 2004-01-05 | 2004-01-05 | Procedimiento y tarjeta multi - clave para evitar fraudes por internet |
Country Status (3)
Country | Link |
---|---|
US (1) | US20080040784A1 (es) |
AR (1) | AR042707A1 (es) |
WO (1) | WO2005069524A1 (es) |
Cited By (1)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
CN114860557A (zh) * | 2022-04-08 | 2022-08-05 | 广东联想懂的通信有限公司 | 用户行为信息生成方法、装置、设备及可读存储介质 |
Families Citing this family (6)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
WO2005026993A1 (en) * | 2003-09-10 | 2005-03-24 | Agile Software Corporation | A system and method for managing item interchange and identification in an extended enterprise |
EP1926246A4 (en) * | 2005-08-12 | 2011-03-02 | Tendyron Corp | METHOD AND DEVICE ENSURING THE SAFETY OF AN ELECTRONIC SIGNATURE DEVICE |
US8281145B2 (en) * | 2007-12-14 | 2012-10-02 | Mehran Randall Rasti | Doing business without SSN, EIN, and charge card numbers |
US9558285B2 (en) * | 2010-09-14 | 2017-01-31 | Accenture Global Services Limited | Treatment controller |
US10686781B1 (en) | 2013-12-24 | 2020-06-16 | Affirm Inc. | System and method for passwordless logins |
CN113077558B (zh) * | 2021-02-25 | 2023-06-30 | 北京中交国通智能交通***技术有限公司 | 一种psam卡双级在线授权认证方法、装置及*** |
Family Cites Families (7)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US5251259A (en) * | 1992-08-20 | 1993-10-05 | Mosley Ernest D | Personal identification system |
WO2001008066A1 (en) * | 1999-07-26 | 2001-02-01 | Iprivacy Llc | Electronic purchase of goods over a communication network including physical delivery while securing private and personal information |
WO2001069546A2 (en) * | 2000-03-16 | 2001-09-20 | Daniel Thompson | Pre-paid purchasing card and method |
US7263506B2 (en) * | 2000-04-06 | 2007-08-28 | Fair Isaac Corporation | Identification and management of fraudulent credit/debit card purchases at merchant ecommerce sites |
US20030024988A1 (en) * | 2000-04-24 | 2003-02-06 | David Stanard | System for providing evidence of payment |
AR033954A1 (es) * | 2000-09-26 | 2004-01-21 | Duwimax Internat S A | Etiqueta autoadhesiva de sello de seguridad para impresiones dactilares y a.d.n. |
WO2003107263A1 (ja) * | 2002-06-14 | 2003-12-24 | 株式会社ジェーシービー | カード発券システム及びカード発券方法 |
-
2004
- 2004-01-05 AR ARP040100013A patent/AR042707A1/es active IP Right Grant
-
2005
- 2005-01-05 US US10/584,931 patent/US20080040784A1/en not_active Abandoned
- 2005-01-05 WO PCT/US2005/000068 patent/WO2005069524A1/en active Application Filing
Cited By (2)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
CN114860557A (zh) * | 2022-04-08 | 2022-08-05 | 广东联想懂的通信有限公司 | 用户行为信息生成方法、装置、设备及可读存储介质 |
CN114860557B (zh) * | 2022-04-08 | 2023-05-26 | 广东联想懂的通信有限公司 | 用户行为信息生成方法、装置、设备及可读存储介质 |
Also Published As
Publication number | Publication date |
---|---|
WO2005069524A1 (en) | 2005-07-28 |
US20080040784A1 (en) | 2008-02-14 |
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Legal Events
Date | Code | Title | Description |
---|---|---|---|
FG | Grant, registration |