BR112018006722A2 - utilizando token aprimorado de autenticação de portador de cartão - Google Patents
utilizando token aprimorado de autenticação de portador de cartãoInfo
- Publication number
- BR112018006722A2 BR112018006722A2 BR112018006722A BR112018006722A BR112018006722A2 BR 112018006722 A2 BR112018006722 A2 BR 112018006722A2 BR 112018006722 A BR112018006722 A BR 112018006722A BR 112018006722 A BR112018006722 A BR 112018006722A BR 112018006722 A2 BR112018006722 A2 BR 112018006722A2
- Authority
- BR
- Brazil
- Prior art keywords
- enhanced
- purchase transaction
- merchant
- mpi
- transaction authorization
- Prior art date
Links
Classifications
-
- 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
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
-
- 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
- G06Q20/08—Payment architectures
- G06Q20/20—Point-of-sale [POS] network systems
-
- 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
-
- 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
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3821—Electronic credentials
-
- 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
- G06Q20/401—Transaction verification
- G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L63/00—Network architectures or network communication protocols for network security
- H04L63/10—Network architectures or network communication protocols for network security for controlling access to devices or network resources
Landscapes
- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- Accounting & Taxation (AREA)
- Theoretical Computer Science (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Computer Security & Cryptography (AREA)
- Finance (AREA)
- Computer Networks & Wireless Communication (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Computer Hardware Design (AREA)
- Computing Systems (AREA)
- General Engineering & Computer Science (AREA)
- Signal Processing (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Management, Administration, Business Operations System, And Electronic Commerce (AREA)
Abstract
a presente invenção refere-se a métodos e sistemas para autorizar uma transação de compra online. em algumas concretizações, durante uma transação online, um aplicativo de extensão do comerciante (mpi) de um servidor do comerciante recebe uma mensagem de autenticação de portador de cartão incluindo uma variável de autenticação de titular de conta (aav) aprimorada a partir de um servidor de controle de acesso (acs) da emissora. o aplicativo mpi então transmite uma mensagem de solicitação de autorização de transação de compra para um dispositivo de interconexão de redes de pagamento que inclui a aav aprimorada, e recebe uma resposta de autorização de transação de compra. o computador servidor do comerciante exibe a resposta de autorização de transação de compra em uma página da rede do comerciante e armazena a mesma junto com a aav aprimorada em associação com os dados do portador de cartão em uma base de dados do mpi.
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US14/883,835 US20170109752A1 (en) | 2015-10-15 | 2015-10-15 | Utilizing enhanced cardholder authentication token |
PCT/US2016/055440 WO2017066057A1 (en) | 2015-10-15 | 2016-10-05 | Utilizing enhanced cardholder authentication token |
Publications (1)
Publication Number | Publication Date |
---|---|
BR112018006722A2 true BR112018006722A2 (pt) | 2018-10-09 |
Family
ID=57178503
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
BR112018006722A BR112018006722A2 (pt) | 2015-10-15 | 2016-10-05 | utilizando token aprimorado de autenticação de portador de cartão |
Country Status (6)
Country | Link |
---|---|
US (1) | US20170109752A1 (pt) |
EP (1) | EP3362967A1 (pt) |
CN (1) | CN108292398A (pt) |
BR (1) | BR112018006722A2 (pt) |
RU (1) | RU2699686C1 (pt) |
WO (1) | WO2017066057A1 (pt) |
Families Citing this family (22)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US10339603B1 (en) * | 2014-08-15 | 2019-07-02 | Metaurus Llc | Separately traded registered discount income and equity securities and systems and methods for trading thereof |
US11093940B2 (en) * | 2016-10-13 | 2021-08-17 | Mastercard International Incorporated | Systems and methods for authenticating a user using private network credentials |
US10949845B2 (en) * | 2016-11-11 | 2021-03-16 | Mastercard International Incorporated | Systems and methods for expedited processing of authenticated computer messages |
US10740757B2 (en) * | 2017-01-04 | 2020-08-11 | Mastercard International Incorporated | Method and system for secured merchant verification |
KR102303665B1 (ko) * | 2017-03-29 | 2021-09-17 | 삼성전자주식회사 | 플러그인 서비스를 포함하는 결제 서비스 제공 방법 및 그 전자장치 |
US11080697B2 (en) * | 2017-10-05 | 2021-08-03 | Mastercard International Incorporated | Systems and methods for use in authenticating users in connection with network transactions |
US11496481B2 (en) * | 2018-04-24 | 2022-11-08 | Visa International Service Association | Efficient and secure authentication system |
CN110633987B (zh) * | 2018-06-22 | 2023-06-27 | 万事达卡国际公司 | 在受监管环境中认证在线用户的系统和方法 |
AU2019204411A1 (en) * | 2018-06-22 | 2020-01-16 | Mastercard International Incorporated | Systems and methods for authenticating online users with an access control server |
CN110633988A (zh) * | 2018-06-22 | 2019-12-31 | 万事达卡国际公司 | 认证在线用户的系统和方法 |
US11875349B2 (en) | 2018-06-22 | 2024-01-16 | Mastercard International Incorporated | Systems and methods for authenticating online users with an access control server |
CN110633986B (zh) * | 2018-06-22 | 2023-12-01 | 万事达卡国际公司 | 用于认证在线用户的系统及方法 |
US11880842B2 (en) * | 2018-12-17 | 2024-01-23 | Mastercard International Incorporated | United states system and methods for dynamically determined contextual, user-defined, and adaptive authentication |
JP6585808B1 (ja) * | 2018-12-21 | 2019-10-02 | LINE Pay株式会社 | 生成方法、プログラム、情報処理装置 |
US11334891B1 (en) | 2019-01-17 | 2022-05-17 | Worldpay, Llc | Methods and systems for secure authentication in a virtual or augmented reality environment |
US11348172B2 (en) * | 2019-08-28 | 2022-05-31 | Amazon Technologies, Inc. | User interfaces that differentiate payment instruments having a trusted beneficiary |
US11436596B2 (en) * | 2019-08-28 | 2022-09-06 | Amazon Technologies, Inc. | Eligibility determination for delegation exemption to strong authentication requirements |
US20210065170A1 (en) * | 2019-08-28 | 2021-03-04 | Amazon Technologies, Inc. | Selecting exemptions to strong authentication requirements |
WO2021062020A1 (en) | 2019-09-24 | 2021-04-01 | Magic Labs, Inc. | Non-custodial tool for building decentralized computer applications |
US11328047B2 (en) * | 2019-10-31 | 2022-05-10 | Microsoft Technology Licensing, Llc. | Gamified challenge to detect a non-human user |
US20220217136A1 (en) * | 2021-01-04 | 2022-07-07 | Bank Of America Corporation | Identity verification through multisystem cooperation |
US20240144231A1 (en) * | 2022-10-28 | 2024-05-02 | Yellcast, Inc. | Payment Device and Method with Detection of Falsified Payee Information Based on Weighted Location Data Obtained by the Payment Device |
Family Cites Families (6)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US5848396A (en) * | 1996-04-26 | 1998-12-08 | Freedom Of Information, Inc. | Method and apparatus for determining behavioral profile of a computer user |
DE69908610T2 (de) * | 1998-10-28 | 2003-12-11 | Verticalone Corp | Gerät und Verfahren für die automatische Zusammenstellung und Übertragung von Transaktionen welche persönliche elektronische informationen oder Daten enthalten |
AU2001295077A1 (en) * | 2000-09-27 | 2002-04-08 | Mastercard International Incorporated | A universal and interoperable system and method utilizing a universal cardholder authentication field (UCAF) for authentication data collection and validation |
CN1926567A (zh) * | 2003-06-10 | 2007-03-07 | 运通卡国际股份有限公司 | 使用格式化数据结构进行安全支付交易的系统和方法 |
MX2008011021A (es) * | 2006-03-02 | 2008-09-10 | Visa Int Service Ass | Metodo y sistema para realizar autenticacion de dos factores en transacciones de ordenes por correo y ordenes por telefono. |
CN101573909A (zh) * | 2006-11-16 | 2009-11-04 | 维萨美国股份有限公司 | 自适应的认证选择 |
-
2015
- 2015-10-15 US US14/883,835 patent/US20170109752A1/en not_active Abandoned
-
2016
- 2016-10-05 CN CN201680069793.XA patent/CN108292398A/zh active Pending
- 2016-10-05 EP EP16784646.8A patent/EP3362967A1/en not_active Withdrawn
- 2016-10-05 RU RU2018117672A patent/RU2699686C1/ru active
- 2016-10-05 BR BR112018006722A patent/BR112018006722A2/pt not_active Application Discontinuation
- 2016-10-05 WO PCT/US2016/055440 patent/WO2017066057A1/en active Application Filing
Also Published As
Publication number | Publication date |
---|---|
WO2017066057A1 (en) | 2017-04-20 |
US20170109752A1 (en) | 2017-04-20 |
CN108292398A (zh) | 2018-07-17 |
RU2699686C1 (ru) | 2019-09-09 |
EP3362967A1 (en) | 2018-08-22 |
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Legal Events
Date | Code | Title | Description |
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B06U | Preliminary requirement: requests with searches performed by other patent offices: procedure suspended [chapter 6.21 patent gazette] | ||
B11B | Dismissal acc. art. 36, par 1 of ipl - no reply within 90 days to fullfil the necessary requirements |