发明名称 |
IN-CARD ACCESS CONTROL AND MONOTONIC COUNTERS FOR OFFLINE PAYMENT PROCESSING SYSTEM |
摘要 |
Preventing fraud during an offline transaction by encoding a randomly-generated card verification code onto a smart card. The verification code is transmitted to a contactless device during each transaction, wherein it is cross-referenced with the account number to ensure presence of the card. Also, every transaction record is signed by an access key resident on the contactless device and certified by a signing key resident on a remote system. Funds may be deposited onto the card when the contactless device creates a deposit request, signs the request using an access key and transmits it to the remote system, which in turn processes the request and certifies it with a signing key. Funds may be withdrawn when the contactless device creates a withdrawal record and signs it using an access key. The remote system verifies the signatures and certifies the records using a signing key when the records are later transmitted. |
申请公布号 |
WO2013130912(A2) |
申请公布日期 |
2013.09.06 |
申请号 |
WO2013US28466 |
申请日期 |
2013.02.28 |
申请人 |
GOOGLE INC. |
发明人 |
SPRINGER, MICHAEL, WILLIAM;PAYA, ISMAIL, CEM;LISOWIEC, MALGORZATA, MONIKA;OKONKWO, ANETO PABLO;LEUNG, PATRICK PUI WAH;JIANG, FAN;BAKIR, GOEKHAN HASSAN |
分类号 |
G06Q20/40;G06Q20/04;G06Q20/20 |
主分类号 |
G06Q20/40 |
代理机构 |
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代理人 |
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主权项 |
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地址 |
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