A method for providing full end to end secure transactional...

Details A method for providing full end to end secure transactional... A method for providing full end to end secure transactional...

G - Physics

07

F

G07F 7/00 (2006.01) H04L 9/06 (2006.01) G06F 17/60 (1995.01)

Patent

CA 2204547

A method which makes usage of a personal secured device (PSD) comprising a smart token reader coupled to a smart token and a secure transaction server (STS) to provide full end to end transactional security over any network. The Smart Token is inserted inside the PSD. The user then has to enter his own personal activation code key (PACK) to unlock the Smart Token. He then chooses his method of payment, credit or debit. The credit and debit information will have been already loaded into one of the secured memories of the smart token at a secure location for example a bank. Both the identity of the STS and the consumer are legitimized using a bi-directional challenge. The merchant will already have been legitimized by the STS. These steps make sure that the user, holding a legitimate PSD, the merchant and the STS are legitimate.

Méthode utilisant un dispositif personnel protégé (PSD) composé d'un lecteur de jetons intelligents associé à un jeton intelligent et un serveur de transactions protégé (STS) afin d'assurer la sécurité des transactions de bout en bout sur tout réseau. Le jeton intelligent est inséré dans le PSD. L'utilisateur doit alors entrer sa clé de code d'activation personnelle (PACK) pour déverrouiller le jeton intelligent, puis il choisit sa méthode de paiement, de crédit ou de débit. L'information sur le crédit et le débit aura été chargée au préalable dans une des mémoires protégées du jeton intelligent en un lieu sécuritaire, par exemple une banque. L'identité du STS et celle du consommateur sont confirmées au moyen d'un procédé d'identification bidirectionnel, celle du marchand ayant été confirmée au préalable par le STS. Ces mesures permettent de confirmer que l'utilisateur détenteur d'un PSD, le marchand et le STS sont légitimes.

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