CA3055500C - Dispositif de point de vente et methode de production d`une demande d`autorisation actualisee - Google Patents

Dispositif de point de vente et methode de production d`une demande d`autorisation actualisee Download PDF

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Publication number
CA3055500C
CA3055500C CA3055500A CA3055500A CA3055500C CA 3055500 C CA3055500 C CA 3055500C CA 3055500 A CA3055500 A CA 3055500A CA 3055500 A CA3055500 A CA 3055500A CA 3055500 C CA3055500 C CA 3055500C
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Canada
Prior art keywords
validation
data structure
request
value
identifier
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Active
Application number
CA3055500A
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English (en)
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CA3055500A1 (fr
Inventor
Buturab Rizvi
Alexandra Tsourkis
Ki Nam Choi
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Toronto Dominion Bank
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Toronto Dominion Bank
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Publication date
Application filed by Toronto Dominion Bank filed Critical Toronto Dominion Bank
Priority to CA3055500A priority Critical patent/CA3055500C/fr
Publication of CA3055500A1 publication Critical patent/CA3055500A1/fr
Application granted granted Critical
Publication of CA3055500C publication Critical patent/CA3055500C/fr
Active legal-status Critical Current
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Classifications

    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W12/00—Security arrangements; Authentication; Protecting privacy or anonymity
    • H04W12/06—Authentication
    • 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
    • G06Q20/18—Payment architectures involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
    • 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
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • 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
    • 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
    • G06Q20/405—Establishing or using transaction specific rules
    • 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
    • H04L63/18—Network architectures or network communication protocols for network security using different networks or channels, e.g. using out of band channels
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W88/00—Devices specially adapted for wireless communication networks, e.g. terminals, base stations or access point devices
    • H04W88/08—Access point devices
    • H04W88/10—Access point devices adapted for operation in multiple networks, e.g. multi-mode access points

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Computer Security & Cryptography (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Signal Processing (AREA)
  • Computer Hardware Design (AREA)
  • Computing Systems (AREA)
  • General Engineering & Computer Science (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)
  • Cash Registers Or Receiving Machines (AREA)

Abstract

Un dispositif de point de vente (PDV) reçoit, à partir dun dispositif dintroduction, une première valeur dautorisation, et il reçoit, à partir dun dispositif mobile et à laide dune interface en réseau local, un identificateur dutilisateur, ainsi quune structure de données qui comprend une valeur dajustement et un identificateur de structure. Le dispositif de PDV transmet la structure de données et lidentificateur dutilisateur, au moyen dune interface de réseau longue distance (RLD), à un serveur de validation. Le dispositif de PDV reçoit, du serveur de validation et au moyen dune interface de RLD, une confirmation que le serveur de validation a sauvegardé antérieurement lidentificateur de structure de la structure de données dans une base de données en association avec lidentificateur dutilisateur. Le dispositif de PDV récupère la valeur dajustement de la structure de données, génère une deuxième valeur dautorisation à partir dune différence entre la première valeur dautorisation et la valeur dajustement, et transmet un message de demande dautorisation sur un réseau de paiement au moyen de linterface de RLD. Le message de demande dautorisation comprend la deuxième valeur dautorisation.
CA3055500A 2019-09-16 2019-09-16 Dispositif de point de vente et methode de production d`une demande d`autorisation actualisee Active CA3055500C (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CA3055500A CA3055500C (fr) 2019-09-16 2019-09-16 Dispositif de point de vente et methode de production d`une demande d`autorisation actualisee

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CA3055500A CA3055500C (fr) 2019-09-16 2019-09-16 Dispositif de point de vente et methode de production d`une demande d`autorisation actualisee

Publications (2)

Publication Number Publication Date
CA3055500A1 CA3055500A1 (fr) 2021-03-16
CA3055500C true CA3055500C (fr) 2023-10-17

Family

ID=74879769

Family Applications (1)

Application Number Title Priority Date Filing Date
CA3055500A Active CA3055500C (fr) 2019-09-16 2019-09-16 Dispositif de point de vente et methode de production d`une demande d`autorisation actualisee

Country Status (1)

Country Link
CA (1) CA3055500C (fr)

Also Published As

Publication number Publication date
CA3055500A1 (fr) 2021-03-16

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