WO2004100094A3 - System and method for using open apis to provide integrated security policies for flexible management and customization of payment instruments - Google Patents

System and method for using open apis to provide integrated security policies for flexible management and customization of payment instruments Download PDF

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Publication number
WO2004100094A3
WO2004100094A3 PCT/US2004/013378 US2004013378W WO2004100094A3 WO 2004100094 A3 WO2004100094 A3 WO 2004100094A3 US 2004013378 W US2004013378 W US 2004013378W WO 2004100094 A3 WO2004100094 A3 WO 2004100094A3
Authority
WO
WIPO (PCT)
Prior art keywords
payment
payment card
customization
issuer
security policies
Prior art date
Application number
PCT/US2004/013378
Other languages
French (fr)
Other versions
WO2004100094A2 (en
Inventor
Carl A Gunter
Rajeev Alur
Alwyn Goodloe
Michael Mcdougall
Original Assignee
Univ Pennsylvania
Carl A Gunter
Rajeev Alur
Alwyn Goodloe
Michael Mcdougall
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 Univ Pennsylvania, Carl A Gunter, Rajeev Alur, Alwyn Goodloe, Michael Mcdougall filed Critical Univ Pennsylvania
Publication of WO2004100094A2 publication Critical patent/WO2004100094A2/en
Publication of WO2004100094A3 publication Critical patent/WO2004100094A3/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
    • G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q20/3552—Downloading or loading of personalisation data
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/403—Solvency checks
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/403—Solvency checks
    • G06Q20/4037—Remote solvency checks
    • 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

Abstract

A system and method for improving the flexibility of payment instruments such as payment cards when used by enterprises enables a primary issuer to allow a secondary issuer and/or user of the payment card to develop specialized policies for use of the payment card. Such secondary policies do not need to be known or managed by the primary issuer because they are enforced by the payment card itself when it is used in an online payment system . The payment card is configured with open application programming interfaces (API) that allow a secondary issuer and/or user to add policy programs that can control the possible uses of the card. Refinement filters are implemented by the payment card's processor so as to disapprove of transactions that do not comply with at least one policy of the payment card.
PCT/US2004/013378 2003-05-01 2004-04-30 System and method for using open apis to provide integrated security policies for flexible management and customization of payment instruments WO2004100094A2 (en)

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
US46707303P 2003-05-01 2003-05-01
US60/467,073 2003-05-01
US48831303P 2003-07-18 2003-07-18
US60/488,313 2003-07-18

Publications (2)

Publication Number Publication Date
WO2004100094A2 WO2004100094A2 (en) 2004-11-18
WO2004100094A3 true WO2004100094A3 (en) 2005-03-03

Family

ID=33436718

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2004/013378 WO2004100094A2 (en) 2003-05-01 2004-04-30 System and method for using open apis to provide integrated security policies for flexible management and customization of payment instruments

Country Status (1)

Country Link
WO (1) WO2004100094A2 (en)

Families Citing this family (12)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US8929857B2 (en) 2007-06-28 2015-01-06 Kajeet, Inc. Policy management of electronic devices
US7945238B2 (en) 2007-06-28 2011-05-17 Kajeet, Inc. System and methods for managing the utilization of a communications device
US8099711B2 (en) 2008-01-08 2012-01-17 International Business Machines Corporation System and method for multi-level security filtering of model representations
US8756082B1 (en) 2008-11-25 2014-06-17 Allstate Insurance Company Virtuous cycle business growth
CN102025710B (en) * 2009-09-11 2015-11-25 中国银联股份有限公司 Multi-application smart card and the many AMSs of smart card and method
WO2013040196A2 (en) 2011-09-14 2013-03-21 Immunovative Therapies, Ltd. Automated device for biologic drug distribution
US9137389B2 (en) 2011-11-08 2015-09-15 Kajeet, Inc. Master limits and filters for electronic devices
US8918080B2 (en) 2012-01-17 2014-12-23 Kajeet, Inc. Mobile device management
US10757267B2 (en) 2013-06-13 2020-08-25 Kajeet, Inc. Platform for enabling sponsors to sponsor functions of a computing device
US10313532B2 (en) 2013-06-13 2019-06-04 Kajeet, Inc. Platform for enabling users to sign up for sponsored functions on computing devices
AU2017351636A1 (en) 2016-10-26 2019-06-20 Commonwealth Scientific And Industrial Research Organisation An automatic encoder of legislation to logic
EP3321838B1 (en) * 2016-11-14 2019-07-17 Giesecke+Devrient Mobile Security GmbH Java card platform and applet security

Citations (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5963924A (en) * 1996-04-26 1999-10-05 Verifone, Inc. System, method and article of manufacture for the use of payment instrument holders and payment instruments in network electronic commerce

Patent Citations (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5963924A (en) * 1996-04-26 1999-10-05 Verifone, Inc. System, method and article of manufacture for the use of payment instrument holders and payment instruments in network electronic commerce

Also Published As

Publication number Publication date
WO2004100094A2 (en) 2004-11-18

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