Patent ID: 6247129
Filing Date: 2001-06-12
Classification: G06Q,G07F

Abstract:
A computer-implemented method for securely processing commercial transactions over a network, comprising the steps of:providing a card access device;providing an integrated circuit card;establishing a connection between the card access device and the integrated circuit card, wherein the card access device is coupled to the network;providing a cryptogram generation command comprising challenge data;transferring the cryptogram generation command from the card access device to the integrated circuit card;encrypting the challenge data using the integrated circuit card to form a response, wherein the step of encrypting the challenge data is in response to the cryptogram generation command;transferring the response from the integrated circuit card to the card access device;forming a payment instruction message at the card access device, wherein the payment instruction message comprises the response; andencrypting at least a portion of the payment instruction message using asymmetric cryptographic techniques wherein the two encrypting steps are part of a same commercial transaction.