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NL1008287C2 - Security system for electronic financial transactions - Google Patents

Security system for electronic financial transactions Download PDF

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Publication number
NL1008287C2
NL1008287C2 NL1008287A NL1008287A NL1008287C2 NL 1008287 C2 NL1008287 C2 NL 1008287C2 NL 1008287 A NL1008287 A NL 1008287A NL 1008287 A NL1008287 A NL 1008287A NL 1008287 C2 NL1008287 C2 NL 1008287C2
Authority
NL
Netherlands
Prior art keywords
code
pin
computer
service provider
examined
Prior art date
Application number
NL1008287A
Other languages
Dutch (nl)
Inventor
Adrianus Jacobus Jozef Greeven
Original Assignee
Rdc Datacentrum B V
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 Rdc Datacentrum B V filed Critical Rdc Datacentrum B V
Priority to NL1008287A priority Critical patent/NL1008287C2/en
Application granted granted Critical
Publication of NL1008287C2 publication Critical patent/NL1008287C2/en

Links

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
    • G07F7/10—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 together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
    • G06F21/31—User authentication
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/355—Personalisation of cards for use
    • 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
    • G07F7/10—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 together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
    • 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
    • G07F7/10—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 together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1025—Identification of user by a PIN code
    • G07F7/1058—PIN is checked locally
    • G07F7/1066—PIN data being compared to data on card

Landscapes

  • Engineering & Computer Science (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Computer Security & Cryptography (AREA)
  • Computer Hardware Design (AREA)
  • Software Systems (AREA)
  • General Engineering & Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

When a user logs into a system, e.g. an ATM or an internet terminal, he first keys in a permanent code which identifies him as an individual to all data processing systems. He then keys in the PIN number which is specific to the particular account or service provider. The system is analogous to the Name and Password system used on computer networks.

Description

NL· 2233-dV/hvNL · 2233-dV / hv

Systeem voor het distribueren van PIN-codesSystem for distributing PIN codes

De uitvinding heeft betrekking op een systeem voor het distribueren van PIN-codes voor een legitimatie- of betaalmiddel of dergelijke, waarbij in een centrale computer persoonsgegevens en bijbehorende PIN-codes worden vastge-5 legd.The invention relates to a system for distributing PIN codes for an identification or payment means or the like, in which personal data and associated PIN codes are recorded in a central computer.

Het uitgeven van PIN-codes door dienstverlenende bedrijven, zoals banken, benzinestations, uitgevers van kredietkaarten en dergelijke, hierna aangeduid als service providers, vindt reeds gedurende enkele tientallen jaren 10 plaats. Dergelijke PIN-codes bestaan gewoonlijk slechts uit 4 of 5 cijfers, omdat bij grotere aantallen cijfers of letters het onthouden van de PIN-code voor velen een probleem vormt. Doordat vele personen gebruik maken van verschillende service providers die legitimatie- of betaalmid-15 delen met een PIN-code uitgeven, beschikken vele personen over meerdere aan verschillende van dergelijke middelen gekoppelde PIN-codes, hetgeen het onthouden van die verschillende PIN-codes bemoeilijkt. Tot heden is het niet goed mogelijk elke gebruiker vrij een eigen PIN-code van bijvoor-20 beeld 4 cijfers te laten kiezen, doordat die PIN-code in combinatie met bijvoorbeeld een bijbehorend rekeningnummer van een bank bij een andere bank of instelling in combinatie met het rekeningnummer van de betrokken persoon een contro-lecode kan opleveren die reeds in het systeem van die bank 25 of instelling bij een andere persoon behoort. Door dit probleem is het koppelen van beveiligingssystemen van banken en andere instellingen, waarbij aan de gebruikers de mogelijkheid wordt gegeven voor alle instellingen van dezelfde PIN-code gebruik te maken, niet mogelijk.The issuing of PIN codes by service companies, such as banks, petrol stations, credit card issuers and the like, hereinafter referred to as service providers, has been taking place for several decades. Such PINs usually only consist of 4 or 5 digits, because remembering the PIN is a problem for many numbers or numbers. Because many people use different service providers that issue identification or payment means with a PIN code, many people have several PIN codes linked to different such means, which makes it difficult to remember those different PIN codes. Until now, it is not possible to let every user freely choose their own PIN code, for example 4 digits, because that PIN code in combination with, for example, an associated bank account number at another bank or institution in combination with the account number of the person concerned may yield a control code that already belongs to another person in the system of that bank 25 or institution. Due to this problem, the linking of bank security systems and other institutions, whereby users are given the option of using the same PIN code for all institutions, is not possible.

30 De uitvinding beoogt een systeem van de bovenge noemde soort te verschaffen, waarbij dit probleem op doeltreffende wijze is ondervangen.The object of the invention is to provide a system of the above-mentioned type, in which this problem is effectively overcome.

Hiertoe heeft het systeem volgens de uitvinding het 1008287 2 kenmerk, dat aan elke PIN-code een aanvullende code wordt toegevoegd, zodanig dat PIN-code en aanvullende code te zamen voor elke persoon een unieke persoonsgebonden (PG-) code vormen, waarbij deze PG-code kan worden geleverd aan de 5 computer van een service provider, die is uitgevoerd voor het controleren van de PIN-code die is ingetoetst door een i , gebruiker.To this end, the system according to the invention has the feature 1008287 2, that an additional code is added to each PIN code, such that the PIN code and additional code together form a unique personal (PG) code for each person, whereby these PG code can be supplied to the 5 computer of a service provider, which is executed for checking the PIN code entered by an i, user.

! Door het toepassen van een centrale computer, \ waarin door toevoeging van een aanvullende code aan een : 10 gebruikelijke PIN-code voor elke persoon een unieke ' persoonsgebonden code wordt gevormd, kan een ieder die dit = wenst bij elke bank of instelling die een legitimatie- “ middel, een betaalmiddel of dergelijke uitgeeft, waaraan een I PIN-code moet worden gekoppeld, aan die instelling verzoeken 15 de eigen PIN-code aan het betrokken middel toe te kennen. In de computer van de betrokken instellingen wordt dan de PIN-code met de aanvullende code vastgelegd, waarbij deze volledige PG-code wordt gebruikt voor het controleren van de juistheid van een ingevoerde PIN-code.! By using a central computer, \ which by adding an additional code to a customary PIN code for each person a unique 'personal code is formed, anyone who wishes to do so can apply to any bank or institution that - “issues a means, a means of payment or the like, to which an I PIN code must be linked, request that institution 15 to assign its own PIN code to the means in question. The PIN code with the additional code is then stored in the computer of the institutions concerned, using this complete PG code to check the correctness of an entered PIN code.

20 Bij voorkeur wordt volgens de uitvinding in elke computer van een service provider aan elke PG-code een unieke provider-code toegevoegd.Preferably, according to the invention, a unique provider code is added to each PG code in each computer of a service provider.

' I"I

gj 1008 287gj 1008 287

Claims (3)

1. Systeem voor het distribueren van PIN-codes voor een legitimatie- of betaalmiddel of dergelijke, waarbij in een centrale computer persoonsgegevens en bijbehorende PIN-codes worden vastgelegd, met het kenmerk, dat aan elke PIN- 5 code een aanvullende code wordt toegevoegd, zodanig dat PIN-code en aanvullende code te zamen voor elke persoon een unieke persoonsgebonden (PG-) code vormen, waarbij deze PG-code kan worden geleverd aan de computer van een service provider, die is uitgevoerd voor het controleren van de PIN-10 code die is ingetoetst door een gebruiker.System for distributing PIN codes for an identification or payment means or the like, in which a central computer stores personal data and associated PIN codes, characterized in that an additional code is added to each PIN code, such that the PIN code and additional code together form a unique personal (PG) code for each person, whereby this PG code can be supplied to the computer of a service provider, which is designed for checking the PIN-10 code entered by a user. 2. Systeem volgens conclusie 1, waarbij in elke computer van een service provider aan elke PG-code een unieke provider-code wordt toegevoegd.System according to claim 1, in which a unique provider code is added to each PG code in each computer of a service provider. 3. Systeem volgens conclusie 1 of 2, waarbij elke 15 computer van een service provider de PG-codes gebruikt voor het controleren van een ingevoerde PIN-code. 1008287 SAMENWERKINGSVERDRAG (PCT) RAPPORT BETREFFENDE NIEUWHEIDSONDERZOEK VAN INTERNATIONAAL TYPE tOENTIFIKATIE VAN DE NATIONALE AANVRAGE Kenmerk van oe aanvrager ol van Ce gemacnugco NL 2233 Nederlandse aanvrage nr. indienngsdaum 1008287 12 februari 1998 Inge roe pen voorrangscaum Aanvrager (Naam) RDC DATACENTRUM B.V. Daum van net verzoek voor een onöerzoek van miemasonaai type Ooor ce Instance voor internationaal Oncerzoek (ISA) aan net verzoek voor een onoerzoek van internationaal type toe geit end nr. SN 30680 NL I. CLASSIFICATIE VAN HET ONDERWERP (bij toepassing van verschillende dassiicaces. alle dassificaoesymboleo opgeven) Volgens de Innemaoonaie classificatie (IPC) Int.Cl.6: G 07 F 7/10 II. ONDERZOCHTE GEBIEDEN VAN DE TECHNIEK Onderzochte minimum documentatie_______ Classificatiesysteem _Classificatiesymoolen_ ~_ Int.Cl.6: G 07 F, G 07 C Onderzochte andere documentatie dan de minimum documentatie voor zover dergelijke documen®n in de onderzochte gebieden z^n opgenomen III. ! ' GEEN ONDERZOEK MOGELIJK VOOR BEPAALDE CONCLUSIES (opmerkingen op aanvullingsalad) IV. '_' GEBREK AAN EENHEID VAN UITVINDING (opmerkingen op aanvullingsolad) · Form PC7/ISA/20HaiCS :SS-iSystem according to claim 1 or 2, wherein each computer of a service provider uses the PG codes to check an entered PIN code. 1008287 COOPERATION TREATY (PCT) REPORT ON NEWNESS RESEARCH OF INTERNATIONAL TYPE OF TENTIFICATION OF THE NATIONAL APPLICATION Characteristic of the applicant ol van Ce gemacnugco NL 2233 Dutch application no. Date of the request for a survey of the miemasonaai type Ooor ce Instance for international Oncerearch (ISA) to the request for a survey of the international type of goat no. SN 30680 EN I. CLASSIFICATION OF THE SUBJECT (in case of different dassiicaces. All specify dassificaoesymboleo) According to the Innemaoonaie classification (IPC) Int.Cl.6: G 07 F 7/10 II. FIELDS OF TECHNIQUE EXAMINED Minimum documentation examined_______ Classification system _Classificationsymoolen_ ~ _ Int.Cl.6: G 07 F, G 07 C Documentation examined other than minimum documentation insofar as such documents are included in the areas examined III. ! NO INQUIRY FOR CERTAIN CONCLUSIONS (comments on top-up drawer) IV. LACK OF UNIT OF INVENTION (Notes on Supplement OLAD) Form PC7 / ISA / 20HaiCS: SS-i
NL1008287A 1998-02-12 1998-02-12 Security system for electronic financial transactions NL1008287C2 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
NL1008287A NL1008287C2 (en) 1998-02-12 1998-02-12 Security system for electronic financial transactions

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
NL1008287A NL1008287C2 (en) 1998-02-12 1998-02-12 Security system for electronic financial transactions
NL1008287 1998-02-12

Publications (1)

Publication Number Publication Date
NL1008287C2 true NL1008287C2 (en) 1999-08-13

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NL1008287A NL1008287C2 (en) 1998-02-12 1998-02-12 Security system for electronic financial transactions

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Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
NL1027546C2 (en) * 2004-11-19 2006-05-22 Fortis Bank Nederland N V Method is for control of money transactions and involves a system and apparatus enabling a person to make known a personal identity number code to system

Citations (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US3938091A (en) * 1972-03-17 1976-02-10 Atalla Technovations Company Personal verification system
US4016405A (en) * 1975-06-09 1977-04-05 Diebold, Incorporated Card validation, method and system
US4023012A (en) * 1974-07-08 1977-05-10 Omron Tateisi Electronics Co. System for verifying the user of a card
US4198619A (en) * 1976-10-28 1980-04-15 Atalla Technovations Corporation Programmable security system and method
EP0397512A2 (en) * 1989-05-11 1990-11-14 Material Engineering Technology Laboratory, Inc. Method for preventing the unauthorized/illegal use of card-type information medium
US5267149A (en) * 1986-08-20 1993-11-30 Oki Electric Industry Co. Ltd. System and method for registering passwords
EP0772164A2 (en) * 1995-11-03 1997-05-07 Frank Culjak Apparatus and method for protected data transfer

Patent Citations (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US3938091A (en) * 1972-03-17 1976-02-10 Atalla Technovations Company Personal verification system
US4023012A (en) * 1974-07-08 1977-05-10 Omron Tateisi Electronics Co. System for verifying the user of a card
US4016405A (en) * 1975-06-09 1977-04-05 Diebold, Incorporated Card validation, method and system
US4198619A (en) * 1976-10-28 1980-04-15 Atalla Technovations Corporation Programmable security system and method
US5267149A (en) * 1986-08-20 1993-11-30 Oki Electric Industry Co. Ltd. System and method for registering passwords
EP0397512A2 (en) * 1989-05-11 1990-11-14 Material Engineering Technology Laboratory, Inc. Method for preventing the unauthorized/illegal use of card-type information medium
EP0772164A2 (en) * 1995-11-03 1997-05-07 Frank Culjak Apparatus and method for protected data transfer

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
NL1027546C2 (en) * 2004-11-19 2006-05-22 Fortis Bank Nederland N V Method is for control of money transactions and involves a system and apparatus enabling a person to make known a personal identity number code to system

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VD1 Lapsed due to non-payment of the annual fee

Effective date: 20040901