EMV card-based identification, authentication, and access control for remote access

• US 20020038287A1
• Filed: 06/15/2001
• Published: 03/28/2002
• Est. Priority Date: 08/30/2000
• Status: Abandoned Application

• Current Assignee: Hewlett-Packard Development Company, L.P. (HP Inc.)
• Original Assignee: Hewlett-Packard Development Company, L.P. (HP Inc.)
• Inventors: Taylor, Stuart, Villaret, Jean-Marc, Ritschel, Kevin
• Application Number:
  US09/882,978
• Publication Number:
  US 20020038287A1
• Time in Patent Office: Days
• US Class Current: 705/41
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
• CPC Class Codes: G07F 7/1025 Identification of user by a PIN code

Abstract

The present invention is directed to a system and method which provide authentication for electronic transactions. The present invention involves inputting smart card information from a smart card into a payment enabled device and inputting an identification number into the payment enabled device. The smart card information and the identification number are then authenticated. Payment information is then sent from a server to a desired location after authenticating the smart card information and identification number.

Claims

1. A method for authenticating an electronic transaction comprising:

inputting smart card information from a smart card into a payment enabled device;

inputting an identification number into the payment enabled device;

authenticating the smart card information;

authenticating the identification number; and

sending payment information from a server to a desired location after authenticating the smart card information and authenticating the identification number.

2. The method of claim 1 further comprising:

using a payment enabled devices from the group consisting of a private payment enabled device and a public payment enabled device.

3. The method of claim 1 further comprising:

using a payment enabled devices from the group consisting of a kiosk, a point of sale terminal, a computer, a vending machine, a parking meter, a newspaper machine, a personal data assistant, a set-top box, a telephone, and a cell phone.

4. The method of claim 1 wherein the step of authenticating the smart card information is performed by the payment enabled device.

5. The method of claim 1 wherein the step of authenticating the smart card information is performed by the server.

6. The method of claim 1 wherein the step of authenticating the identification number is performed by the smart card.

7. The method of claim 1 wherein the electronic transaction is payment for at least one of a good and a service that is being provided by a merchant.

8. The method of claim 7 wherein the desired location is the merchant.

9. The method of claim 7 wherein the desired location is a merchant server that is used by the merchant.

10. The method of claim 7 wherein the desired location is a financial institution that is used by the merchant.

11. The method of claim 7 further comprising:

sending a payment request to the server;

wherein the payment request includes an amount of money, a merchant identification number, and smart card owner information.

12. The method of claim 11 wherein the payment request further includes a information related to a type of the at least one of a good and a service.

13. The method of claim 11 wherein the payment request further includes type of payment information;

wherein the type of payment is selected from the group consisting of;

credit, debit, pre-paid, and loyalty point.

14. The method of claim 7 further comprising:

issuing a receipt for the transaction.

16. The system of claim 15 wherein the electronic transaction is payment for at least one of a good and a service that is being provided by a merchant.

17. The system of claim 16 wherein the desired location is one location selected from the group consisting of:

the merchant, a merchant server that is used by the merchant, and a financial institution that is used by the merchant.

18. The system of claim 16 further comprising:

means for sending a payment request to the server;

wherein the payment request includes an amount of money, a merchant identification number, and smart card owner information.

19. The system of claim 18 wherein the payment request further includes a information related to a type of the at least one of a good and a service.

20. The method of claim 18 wherein the payment request further includes type of payment information;

wherein the type of payment is selected from the group consisting of;

credit, debit, pre-paid, and loyalty point.

15. A system for authenticating an electronic transaction comprising:

means for receiving smart card information from a smart card;

means for receiving an identification number from a user;

means for authenticating the smart card information;

means for authenticating the identification number; and

means for sending payment information from a remote server to a desired location after authenticating the smart card information and authenticating the identification number.