Title:
商業取引における顧客認証システム及び方法
Document Type and Number:
Japanese Patent JP2006527430
Kind Code:
A
Abstract:
A Chip Authentication Program based on 3-D Secure protocols is provided for authenticating customers' on-line transactions. An issuer, who may be a payment card issuer, operates Access Control and Authentication Request Servers for authenticating transactions by individual customers who are identified by their personal EMV-complaint smart cards. An authentication token is generated at the point of interaction (POI) for each transaction based on information from the customer's smart card and transaction specific information sent directly by the issuer to populate a web page at the POI. Authentication tokens generated at the POI are evaluated by the Authentication Request Server to authenticate individual customer and/or card presence at the transaction POI. Authentication values are transported on-line in designated Universal Cardholder Authentication Fields consistent with 3-D Secure protocols.
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Inventors:
Bruce Rutherford
Alfred Daguar
Mark Weissman
Didier Jean-Marie Charles Peyer
Jean-Paul Edmont Lance
Ficle tess
John Wank Muller
Alfred Daguar
Mark Weissman
Didier Jean-Marie Charles Peyer
Jean-Paul Edmont Lance
Ficle tess
John Wank Muller
Application Number:
JP2006515197A
Publication Date:
November 30, 2006
Filing Date:
June 04, 2004
Export Citation:
Assignee:
Mastercard International Incorporated
International Classes:
G06F21/34; G06K17/00; G06K19/00; G06K19/10; G06Q20/04; G06Q20/34; G06Q20/38; G06Q20/40; G07F7/10; H04L9/32; G06F
Domestic Patent References:
| JP2003076665A | 2003-03-14 |
Foreign References:
| US6038551A | 2000-03-14 | |||
| WO2001082151A1 | 2001-11-01 |
Attorney, Agent or Firm:
Kosaku Sugimura
Kazuaki Takami
Hiroshi Tokunaga
Yoshiyuki Iwasa
Shiro Fujitani
Kiyoshi Kuruma
Kazuyuki Tomita
Kazuaki Takami
Hiroshi Tokunaga
Yoshiyuki Iwasa
Shiro Fujitani
Kiyoshi Kuruma
Kazuyuki Tomita