BR112018002841A8 - método e sistema para autorização de transação com base em uma autenticação multiusuário e multifator de canal autônomo paralelo - Google Patents

método e sistema para autorização de transação com base em uma autenticação multiusuário e multifator de canal autônomo paralelo

Info

Publication number
BR112018002841A8
BR112018002841A8 BR112018002841A BR112018002841A BR112018002841A8 BR 112018002841 A8 BR112018002841 A8 BR 112018002841A8 BR 112018002841 A BR112018002841 A BR 112018002841A BR 112018002841 A BR112018002841 A BR 112018002841A BR 112018002841 A8 BR112018002841 A8 BR 112018002841A8
Authority
BR
Brazil
Prior art keywords
user
factor authentication
transaction authorization
authorization based
autonomous channel
Prior art date
Application number
BR112018002841A
Other languages
English (en)
Portuguese (pt)
Other versions
BR112018002841A2 (pt
Inventor
Thomas Szoke
Maxim Umarov
Original Assignee
Ipsidy Inc
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 Ipsidy Inc filed Critical Ipsidy Inc
Publication of BR112018002841A2 publication Critical patent/BR112018002841A2/pt
Publication of BR112018002841A8 publication Critical patent/BR112018002841A8/pt

Links

Classifications

    • 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
    • G06Q20/38—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
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G06Q20/40145—Biometric identity checks
    • 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
    • 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
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • G06Q20/3674—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes involving 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
    • G06Q20/38—Payment protocols; Details thereof
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3823—Payment protocols; Details thereof insuring higher security of transaction combining multiple encryption tools for a transaction
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3825—Use of electronic signatures
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
    • 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
    • G06Q20/38—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
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
    • G06Q20/425—Confirmation, e.g. check or permission by the legal debtor of payment using two different networks, one for transaction and one for security confirmation
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
    • H04L9/32—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
    • H04L9/321—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials involving a third party or a trusted authority
    • H04L9/3213—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials involving a third party or a trusted authority using tickets or tokens, e.g. Kerberos
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
    • H04L9/32—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
    • H04L9/3215—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials using a plurality of channels
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
    • H04L9/32—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
    • H04L9/3234—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials involving additional secure or trusted devices, e.g. TPM, smartcard, USB or software token
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
    • H04L9/32—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
    • H04L9/3247—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials involving digital signatures
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L2463/00—Additional details relating to network architectures or network communication protocols for network security covered by H04L63/00
    • H04L2463/082—Additional details relating to network architectures or network communication protocols for network security covered by H04L63/00 applying multi-factor authentication

Landscapes

  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Computer Security & Cryptography (AREA)
  • Theoretical Computer Science (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Signal Processing (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)
  • Computer And Data Communications (AREA)
BR112018002841A 2015-08-10 2016-08-10 método e sistema para autorização de transação com base em uma autenticação multiusuário e multifator de canal autônomo paralelo BR112018002841A8 (pt)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US201562203024P 2015-08-10 2015-08-10
PCT/US2016/046332 WO2017027580A1 (en) 2015-08-10 2016-08-10 A method and system for transaction authorization basd on a parallel autonomous channel multi-user and multi-factor authentication

Publications (2)

Publication Number Publication Date
BR112018002841A2 BR112018002841A2 (pt) 2019-04-30
BR112018002841A8 true BR112018002841A8 (pt) 2020-11-17

Family

ID=57983625

Family Applications (1)

Application Number Title Priority Date Filing Date
BR112018002841A BR112018002841A8 (pt) 2015-08-10 2016-08-10 método e sistema para autorização de transação com base em uma autenticação multiusuário e multifator de canal autônomo paralelo

Country Status (11)

Country Link
US (1) US11328299B2 (https=)
EP (1) EP3335371A4 (https=)
JP (1) JP2018533144A (https=)
KR (1) KR102658597B1 (https=)
CN (1) CN108352987A (https=)
AU (1) AU2016304860A1 (https=)
BR (1) BR112018002841A8 (https=)
CA (1) CA2995379C (https=)
CO (1) CO2018002528A2 (https=)
MX (1) MX2018001763A (https=)
WO (1) WO2017027580A1 (https=)

Families Citing this family (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR102712518B1 (ko) * 2018-11-20 2024-10-02 서강대학교산학협력단 이더리움 샤딩 환경에서 샤드 간 트랜잭션 로드 분배 방법
EP3970029A4 (en) * 2019-06-04 2023-06-28 Digital Asset (Switzerland) GmbH Multi-user database system and method
CN111027977A (zh) * 2019-11-22 2020-04-17 中汇信息技术（上海）有限公司 一种数据验证的方法、装置及电子设备
US12130896B2 (en) * 2021-07-20 2024-10-29 The Toronto-Dominion Bank System and method for authorizing data transfers
US12406256B2 (en) * 2022-01-20 2025-09-02 Mastercard International Incorporated Parallel processing in a network
US12326928B2 (en) 2022-07-29 2025-06-10 Nutanix, Inc. Implementing multi-party authorizations within an identity and access management regime
US12517998B2 (en) 2022-07-29 2026-01-06 Nutanix, Inc. Implementing multi-party authorizations to thwart a ransomware attack
WO2025085220A1 (en) * 2023-10-19 2025-04-24 Visa International Service Association Electronic identification verification for mobile device

Family Cites Families (17)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7231068B2 (en) * 1998-06-19 2007-06-12 Solidus Networks, Inc. Electronic transaction verification system
US20030163739A1 (en) * 2002-02-28 2003-08-28 Armington John Phillip Robust multi-factor authentication for secure application environments
US7707120B2 (en) * 2002-04-17 2010-04-27 Visa International Service Association Mobile account authentication service
JP2004164597A (ja) * 2002-08-08 2004-06-10 Fujitsu Ltd 商品及びサービスを購入する方法
US7349871B2 (en) * 2002-08-08 2008-03-25 Fujitsu Limited Methods for purchasing of goods and services
US7264154B2 (en) * 2004-07-12 2007-09-04 Harris David N System and method for securing a credit account
US20060173776A1 (en) * 2005-01-28 2006-08-03 Barry Shalley A Method of Authentication
US8996423B2 (en) * 2005-04-19 2015-03-31 Microsoft Corporation Authentication for a commercial transaction using a mobile module
CA2624981C (en) * 2005-10-06 2017-06-13 C-Sam, Inc. Three-dimensional transaction authentication
US7783564B2 (en) * 2006-07-25 2010-08-24 Visa U.S.A. Inc. Compliance control in a card based program
US9083746B2 (en) * 2007-10-19 2015-07-14 Imation Corp. Method of providing assured transactions using secure transaction appliance and watermark verification
US8380177B2 (en) * 2010-04-09 2013-02-19 Paydiant, Inc. Mobile phone payment processing methods and systems
US8682798B2 (en) * 2010-09-24 2014-03-25 Visa International Service Association Method and system using universal ID and biometrics
US20130346294A1 (en) * 2012-03-21 2013-12-26 Patrick Faith Risk manager optimizer
US20140095404A1 (en) * 2012-05-17 2014-04-03 Daniel Emanuel Hines System and Method for Social Giving
US9098687B2 (en) * 2013-05-03 2015-08-04 Citrix Systems, Inc. User and device authentication in enterprise systems
US20150161596A1 (en) * 2013-12-05 2015-06-11 Alliance Messaging Limited Token used in lieu of account identifier

Also Published As

Publication number Publication date
JP2018533144A (ja) 2018-11-08
KR20180073550A (ko) 2018-07-02
US11328299B2 (en) 2022-05-10
CN108352987A (zh) 2018-07-31
CA2995379A1 (en) 2017-02-16
KR102658597B1 (ko) 2024-04-17
EP3335371A4 (en) 2019-02-06
US20180240121A1 (en) 2018-08-23
CO2018002528A2 (es) 2018-07-19
CA2995379C (en) 2023-11-14
WO2017027580A1 (en) 2017-02-16
BR112018002841A2 (pt) 2019-04-30
AU2016304860A1 (en) 2018-03-29
EP3335371A1 (en) 2018-06-20
MX2018001763A (es) 2019-01-31

Similar Documents

Publication Publication Date Title
BR112018002841A8 (pt) método e sistema para autorização de transação com base em uma autenticação multiusuário e multifator de canal autônomo paralelo
MX2019002625A (es) Sistemas y metodos para autentificacion de dispositivos.
MX383704B (es) Método, dispositivo, servidor y sistema para autenticar a un usuario.
ZA201807220B (en) Method and device for registering biometric identity and authenticating biometric identity
MX361152B (es) Aprovisionamiento de licencias de gestión de derechos digitales (drm) en un dispositivo cliente que utiliza un servidor de actualizaciones.
BR112015024562A2 (pt) método, aparelho e sistema para autenticação de acesso e programa de computador
BR112017020724A2 (pt) método, e, dispositivo de comunicação
BR112016017947A2 (pt) Método implementado por computador, dispositivo de acesso, e, sistema
BR112017009376A2 (pt) métodos e sistemas para interoperabilidade de autenticação
EP3309330A4 (en) DOUBLE AUTHENTICATION SYSTEM FOR ELECTRONIC LOCKING DEVICE WITH ELECTRONIC KEY
BR112016024507A8 (pt) métodos de estabelecer confiança para um hospedeiro, e sistema de computação
WO2016140724A3 (en) Short-duration digital certificate issuance based on long-duration digital certificate validation
GB2533727A (en) Registry apparatus, agent device, application providing apparatus and corresponding methods
IN2014MU00771A (https=)
PH12018502584A1 (en) Method and device for identity authentication
MX2016005792A (es) Sistema, metodo y aparato de verificacion de pagos.
SG10201810422SA (en) Dual channel identity authentication
MX2018003580A (es) Aceleracion de la verificacion del estado de un certificado en linea con un servicio de sugerencias de internet.
MX2018012712A (es) Rotacion de las normas de autorizacion en la memoria del sistema de autorizacion.
PH12016502598A1 (en) Security control system for granting access and security control method thereof
BR112017009372A2 (pt) autenticação de mensagens em uma comunicação sem fio
CL2016001758A1 (es) Sistema y método para comunicar credenciales.
PH12016502164A1 (en) System and method for facilitating electronic transaction
MX2018003170A (es) Verificacion de transacciones de pago.
UY36409A (es) Método y sistema para tarjeta de pago híbrida habilitada para transporte

Legal Events

Date Code Title Description
B06U Preliminary requirement: requests with searches performed by other patent offices: procedure suspended [chapter 6.21 patent gazette]
B15K Others concerning applications: alteration of classification

Free format text: AS CLASSIFICACOES ANTERIORES ERAM: H04L 9/32 , G06Q 20/34 , G06Q 20/38 , G06Q 20/40

Ipc: G06Q 20/34 (2012.01), G06Q 20/38 (2012.01), G06Q 2

B07A Application suspended after technical examination (opinion) [chapter 7.1 patent gazette]
B09B Patent application refused [chapter 9.2 patent gazette]