ZA200302910B - A universal and interoperable system and method utlizing a universal cardholder authentication field (UCAF) for authentication data collection and validation. - Google Patents

A universal and interoperable system and method utlizing a universal cardholder authentication field (UCAF) for authentication data collection and validation. Download PDF

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Publication number
ZA200302910B
ZA200302910B ZA200302910A ZA200302910A ZA200302910B ZA 200302910 B ZA200302910 B ZA 200302910B ZA 200302910 A ZA200302910 A ZA 200302910A ZA 200302910 A ZA200302910 A ZA 200302910A ZA 200302910 B ZA200302910 B ZA 200302910B
Authority
ZA
South Africa
Prior art keywords
authentication
data
universal
transaction
authentication data
Prior art date
Application number
ZA200302910A
Other languages
English (en)
Inventor
Arthur D Kranzley
Stephen W Orfei
Bruce J Rutherford
Original Assignee
Mastercard International Inc
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 Mastercard International Inc filed Critical Mastercard International Inc
Publication of ZA200302910B publication Critical patent/ZA200302910B/en

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Classifications

    • 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
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/14—Payment architectures specially adapted for billing systems
    • 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
    • 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
    • G06Q20/403—Solvency checks
    • 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
    • G06Q20/403—Solvency checks
    • G06Q20/4037—Remote solvency checks
    • 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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Finance (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Collating Specific Patterns (AREA)
  • Measurement Of The Respiration, Hearing Ability, Form, And Blood Characteristics Of Living Organisms (AREA)
ZA200302910A 2000-09-27 2003-04-14 A universal and interoperable system and method utlizing a universal cardholder authentication field (UCAF) for authentication data collection and validation. ZA200302910B (en)

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
US23573800P 2000-09-27 2000-09-27

Publications (1)

Publication Number Publication Date
ZA200302910B true ZA200302910B (en) 2004-04-28

Family

ID=22886718

Family Applications (1)

Application Number Title Priority Date Filing Date
ZA200302910A ZA200302910B (en) 2000-09-27 2003-04-14 A universal and interoperable system and method utlizing a universal cardholder authentication field (UCAF) for authentication data collection and validation.

Country Status (7)

Country Link
US (1) US20020042781A1 (ja)
EP (1) EP1337945A1 (ja)
JP (1) JP2004516534A (ja)
AU (1) AU2001295077A1 (ja)
CA (1) CA2423957A1 (ja)
WO (1) WO2002027631A2 (ja)
ZA (1) ZA200302910B (ja)

Families Citing this family (13)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
AU3086101A (en) * 2000-01-05 2001-07-16 American Express Travel Related Services Company, Inc. Smartcard internet authorization system
US8281129B1 (en) 2001-08-29 2012-10-02 Nader Asghari-Kamrani Direct authentication system and method via trusted authenticators
US7444676B1 (en) 2001-08-29 2008-10-28 Nader Asghari-Kamrani Direct authentication and authorization system and method for trusted network of financial institutions
US8650103B2 (en) 2001-10-17 2014-02-11 Ebay, Inc. Verification of a person identifier received online
US8769275B2 (en) * 2006-10-17 2014-07-01 Verifone, Inc. Batch settlement transactions system and method
US8355982B2 (en) * 2007-08-16 2013-01-15 Verifone, Inc. Metrics systems and methods for token transactions
US8762210B2 (en) 2008-06-03 2014-06-24 Cardinalcommerce Corporation Alternative payment implementation for electronic retailers
US10157375B2 (en) * 2008-06-03 2018-12-18 Cardinalcommerce Corporation Alternative payment implementation for electronic retailers
GB2501229A (en) * 2012-02-17 2013-10-23 Elendra Raja A method verifying the authenticity of a data source
US20150317630A1 (en) * 2014-04-30 2015-11-05 MasterCard Incorporated International Method and system for authentication token generation
US10891622B2 (en) 2014-11-13 2021-01-12 Mastercard International Incorporated Providing online cardholder authentication services on-behalf-of issuers
US20170109752A1 (en) * 2015-10-15 2017-04-20 Mastercard International Incorporated Utilizing enhanced cardholder authentication token
WO2018013961A1 (en) 2016-07-15 2018-01-18 Cardinalcommerce Corporation Authentication to authorization bridge using enriched messages

Family Cites Families (21)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US34720A (en) * 1862-03-18 Improved device for holding harness-reins
US52784A (en) * 1866-02-20 Improvement in paper shirt-bosoms
US51902A (en) * 1866-01-02 Improvement in rock-drills
US47335A (en) * 1865-04-18 Improved powder for lighting cigars
US46169A (en) * 1865-01-31 Improvement in reaping-machines
US32663A (en) * 1861-06-25 peters
US37451A (en) * 1863-01-20 Improvement in carriage-hubs
US47281A (en) * 1865-04-18 1865-04-18 Improvement in artificial legs
US5453601A (en) * 1991-11-15 1995-09-26 Citibank, N.A. Electronic-monetary system
US5317636A (en) * 1992-12-09 1994-05-31 Arris, Inc. Method and apparatus for securing credit card transactions
DE69533328T2 (de) * 1994-08-30 2005-02-10 Kokusai Denshin Denwa Co., Ltd. Beglaubigungseinrichtung
FI102860B1 (fi) * 1995-11-07 1999-02-26 Nokia Telecommunications Oy Menetelmä ja järjestelmä elektronisen maksutapahtuman suorittamiseksi
US6072870A (en) * 1996-06-17 2000-06-06 Verifone Inc. System, method and article of manufacture for a gateway payment architecture utilizing a multichannel, extensible, flexible architecture
JPH10207962A (ja) * 1996-11-19 1998-08-07 Toppan Printing Co Ltd ネットワークを用いた商品販売システム及び電子決済システム
JPH10207963A (ja) * 1996-11-19 1998-08-07 Toppan Printing Co Ltd 電子ショッピングシステム
JP3919041B2 (ja) * 1997-02-06 2007-05-23 富士通株式会社 決済システム
US6111953A (en) * 1997-05-21 2000-08-29 Walker Digital, Llc Method and apparatus for authenticating a document
US6078888A (en) * 1997-07-16 2000-06-20 Gilbarco Inc. Cryptography security for remote dispenser transactions
US5903878A (en) * 1997-08-20 1999-05-11 Talati; Kirit K. Method and apparatus for electronic commerce
US6370514B1 (en) * 1999-08-02 2002-04-09 Marc A. Messner Method for marketing and redeeming vouchers for use in online purchases
US6990470B2 (en) * 2000-04-11 2006-01-24 Mastercard International Incorporated Method and system for conducting secure payments over a computer network

Also Published As

Publication number Publication date
EP1337945A1 (en) 2003-08-27
JP2004516534A (ja) 2004-06-03
AU2001295077A1 (en) 2002-04-08
CA2423957A1 (en) 2002-04-04
US20020042781A1 (en) 2002-04-11
WO2002027631A8 (en) 2003-08-07
WO2002027631A9 (en) 2003-02-13
WO2002027631A2 (en) 2002-04-04

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