Method of recording in a chip card and chip card for implementing this method

• US 20040153420A1
• Filed: 07/14/2003
• Published: 08/05/2004
• Est. Priority Date: 07/19/2002
• Status: Abandoned Application

• Current Assignee: Groupement Des Cares Bancaires "Cb"
• Original Assignee: Groupement Des Cares Bancaires "Cb"
• Inventors: Andraud, Sylvie, Zwaenepoel, Evelyne, Meggle, Claude
• Application Number:
  US10/619,106
• Publication Number:
  US 20040153420A1
• Time in Patent Office: Days
• US Class Current: 705/75
• CPC Class Codes: G06Q 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: G06Q 20/401 Transaction verification
• CPC Class Codes: G06Q 20/4093 Monitoring of device authentication
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

Abstract

To generate a tangible element of proof which guarantees that a specified transaction has been carried out using a specified microcircuit card, the method comprises steps in which a microprocessor, contained in the microcircuit, records, in an internal memory of the microcircuit, a cryptogram on the data of the transaction, as soon as it detects a confirming event for validating the transaction, the microprocessor then transmits a transaction validation signal out of the card, after having recorded the cryptogram in the internal memory.

Claims

1. Method of generating a tangible element of proof which guarantees that a specified transaction has been carried out using a specified microcircuit card, the microcircuit of the said card comprising a microprocessor and an internal memory, comprising steps wherein:

the microprocessor records, in the internal memory, a cryptogram on the data of the transaction, as soon as it detects a confirming event for validating the transaction,

the microprocessor transmits a transaction validation signal out of the card, after having recorded the cryptogram in the internal memory.

2. Method according to claim 1, wherein the said confirming event results from a comparison performed by the microprocessor which verifies that a code received is equal to a secret code held in the internal memory.

3. Method according to claim 1, wherein the data of the transaction comprise a date and a monetary amount.

4. Method according to claim 3, wherein the data of the transaction comprise a transaction destination identifier.

5. Microcircuit card comprising a microprocessor and an internal memory for performing transactions with a terminal, wherein the internal memory contains a microprogram executable by the microprocessor of the microcircuit and devised so as:

to record, in the internal memory, a cryptogram on data of each transaction, when detecting a confirming event for validating the transaction,

to transmit a transaction validation signal out of the card, after having recorded the cryptogram in the internal memory.

6. Microcircuit card according to claim 5, wherein the microprogram is devised to perform a comparison from which the said confirming event results when a code received is equal to a secret code held in the internal memory.

7. Microcircuit card according to claim 5, wherein the microprogram is devised to receive the data of the transaction which comprise a date and a monetary amount.

8. Microcircuit card according to claim 7, wherein the microprogram is devised to receive the data of the transaction which comprise a transaction destination identifier.