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760results about "Credit schemes" patented technology

Method and system for conducting secure payments over a computer network

A secure method of conducting an electronic transaction over a public communications network is provided which utilizes a pseudo-expiration date in the expiration date field of an authorization request. One of the preferred methods comprises:
    • generating a per-card key associated with an account number;
    • generating a message authentication code using the per-card key;
    • converting the message authentication code into a pseudo expiration date;
    • generating an authorization request for the transaction, the request having an expiration date field containing the pseudo expiration date; and
    • verifying the message authentication code based on the pseudo expiration date.
    • Another embodiment of the invention includes a method of conducting an electronic transaction over a public communications network, with a payment account number having an associated pseudo account number, comprising:
    • (a) providing the pseudo account number with a control field indicating one of a plurality of key-generation processes to be used to generate an authentication key;
    • (b) generating an authentication key associated with the pseudo account number using one of the plurality of key-generation processes indicated in the control field of the pseudo account number;
    • (c) using the authentication key to generate a message authentication code specific to the transaction;
    • (d) generating an authorization request message including the message authentication code and the pseudo account number; and
    • (e) verifying the message authentication code using the indicated key-generation process and the authentication key.
Owner:MASTERCARD INT INC

Authentication method, system and apparatus of an electronic value

An authentication system providing a safety authentication process of electronic values with the use of mobile terminals which do not have a tamper-resistant function. The electronic value including encrypted value authentication information (F(VPW)), wherein an authentication information (VPW) corresponding to an electronic value specified by a user is acquired by the hash calculation, is stored in user's mobile terminal. In the user authentication process; authentication apparatus generates a random number R and transmits it to mobile terminal, mobile terminal generates value authentication information (F(VPW′)) from authentication information (VPW′) corresponding to electronic value input by user, further executes a hash calculation on data wherein value authentication information (F(VPW′)) and the random number R are concatenated, generates authentication information (F(VPW′)∥R), transmits it to the authentication apparatus with the electronic value, authentication apparatus decrypts the received electronic value, extracts the value authentication information (F(VPW)) from the electronic value, executes the hash calculation on data wherein value authentication information (F(VPW)) and the random number R are concatenated, generates the authentication information (F(VPW)∥R), and collates the received authentication information (F(VPW′)∥R) with the authentication information (F(VPW)∥R), so that the user is authenticated.
Owner:INTERTRUST TECH CORP
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