CL2016001353A1 - Métodos y sistemas para la autentificación segura de un usuario y un dispositivo móvil sin elementos de seguridad y que generan credenciales de pago en una transacción de pago. - Google Patents

Métodos y sistemas para la autentificación segura de un usuario y un dispositivo móvil sin elementos de seguridad y que generan credenciales de pago en una transacción de pago.

Info

Publication number
CL2016001353A1
CL2016001353A1 CL2016001353A CL2016001353A CL2016001353A1 CL 2016001353 A1 CL2016001353 A1 CL 2016001353A1 CL 2016001353 A CL2016001353 A CL 2016001353A CL 2016001353 A CL2016001353 A CL 2016001353A CL 2016001353 A1 CL2016001353 A1 CL 2016001353A1
Authority
CL
Chile
Prior art keywords
mobile
user
generate
payment transaction
mobile computer
Prior art date
Application number
CL2016001353A
Other languages
English (en)
Inventor
Mehdi Collinge
Axel Emilie Jean Charles Cateland
Patrick Smets
Original Assignee
Mastercard International 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 Mastercard International Inc filed Critical Mastercard International Inc
Publication of CL2016001353A1 publication Critical patent/CL2016001353A1/es

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
    • G06Q20/30—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
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3274—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
    • 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
    • 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
    • G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
    • 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
    • G06Q20/322—Aspects of commerce using mobile devices [M-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
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G06Q20/204—Point-of-sale [POS] network systems comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
    • 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
    • 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
    • G06Q20/3823—Payment protocols; Details thereof insuring higher security of transaction combining multiple encryption tools for a transaction

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Security & Cryptography (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Computer And Data Communications (AREA)

Abstract

UN MÉTODO PARA GENERAR CREDENCIALES DE PAGO EN UNA TRANSACCIÓN DE PAGO, QUE INCLUYE ALMACENAR, EN UNA MEMORIA DE UN DISPOSITIVO DE COMPUTACIÓN MÓVIL, POR LO MENOS UNA LLAVE DE UN SOLO USO ASOCIADA CON UNA CUENTA DE TRANSACCIONES RECIBIR, MEDIANTE UN DISPOSITIVO DE RECEPCIÓN DEL DISPOSITIVO DE COMPUTACIÓN MÓVIL, UN NÚMERO DE IDENTIFICACIÓN PERSONAL INGRESADO POR UN USUARIO DEL DISPOSITIVO DE COMPUTACIÓN MÓVIL IDENTIFICAR, MEDIANTE UN DISPOSITIVO DE PROCESAMIENTO DEL DISPOSITIVO DE COMPUTACIÓN MÓVIL, UNA PRIMERA LLAVE DE SESIÓN GENERAR, MEDIANTE EL DISPOSITIVO DE PROCESAMIENTO DEL DISPOSITIVO DE COMPUTACIÓN MÓVIL, UNA SEGUNDA LLAVE DE SESIÓN BASÁNDOSE EN POR LO MENOS LA LLAVE DE UN SOLO USO ALMACENADA Y EL NÚMERO DE IDENTIFICACIÓN PERSONAL RECIBIDO GENERAR, MEDIANTE EL DISPOSITIVO DE PROCESAMIENTO DEL DISPOSITIVO DE COMPUTACIÓN MÓVIL, UN PRIMER CRIPTOGRAMA DE APLICACIÓN BASÁNDOSE EN POR LO MENOS LA PRIMERA LLAVE DE SESIÓN GENERAR, MEDIANTE EL DISPOSITIVO DE PROCESAMIENTO DEL DISPOSITIVO DE COMPUTACIÓN MÓVIL, UN SEGUNDO CRIPTOGRAMA DE APLICACIÓN BASÁNDOSE EN POR LO MENOS LA SEGUNDA LLAVE DE SESIÓN Y TRANSMITIR, MEDIANTE UN DISPOSITIVO DE TRANSMISIÓN DEL DISPOSITIVO DE COMPUTACIÓN MÓVIL, POR LO MENOS EL PRIMER CRIPTOGRAMA DE APLICACIÓN Y EL SEGUNDO CRIPTOGRAMA DE APLICACIÓN A UNA ENTIDAD EXTERNA PARA UTILIZARSE EN VALIDAR Y PROCESAR UNA TRANSACCIÓN DE PAGO. SISTEMA QUE REALIZA DICHO MÉTODO.
CL2016001353A 2013-12-02 2016-06-02 Métodos y sistemas para la autentificación segura de un usuario y un dispositivo móvil sin elementos de seguridad y que generan credenciales de pago en una transacción de pago. CL2016001353A1 (es)

Applications Claiming Priority (5)

Application Number Priority Date Filing Date Title
US201361910819P 2013-12-02 2013-12-02
US201461951842P 2014-03-12 2014-03-12
US201461955716P 2014-03-19 2014-03-19
US201461979132P 2014-04-14 2014-04-14
US201461980784P 2014-04-17 2014-04-17

Publications (1)

Publication Number Publication Date
CL2016001353A1 true CL2016001353A1 (es) 2017-05-12

Family

ID=53274011

Family Applications (1)

Application Number Title Priority Date Filing Date
CL2016001353A CL2016001353A1 (es) 2013-12-02 2016-06-02 Métodos y sistemas para la autentificación segura de un usuario y un dispositivo móvil sin elementos de seguridad y que generan credenciales de pago en una transacción de pago.

Country Status (16)

Country Link
EP (1) EP3077972A4 (es)
JP (2) JP6353537B2 (es)
KR (2) KR102025816B1 (es)
CN (1) CN106062799B (es)
AU (1) AU2014357381B2 (es)
BR (1) BR112016012527A2 (es)
CA (1) CA2932346C (es)
CL (1) CL2016001353A1 (es)
HK (1) HK1227146A1 (es)
IL (1) IL245965B (es)
MX (1) MX361793B (es)
NZ (1) NZ720688A (es)
RU (1) RU2663319C2 (es)
SG (1) SG10201800179UA (es)
UA (1) UA115500C2 (es)
WO (1) WO2015084755A1 (es)

Families Citing this family (24)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN106031207B (zh) 2013-12-02 2019-12-13 万事达卡国际股份有限公司 用于向不带有安全元件的移动设备安全传送远程通知服务消息的方法及系统
KR102151579B1 (ko) * 2014-04-14 2020-09-03 마스터카드 인터내셔날, 인코포레이티드 보안 요소들이 구비되어 있지 않은 모바일 기기에서 어드밴스트 저장 키를 생성하는 방법 및 시스템
US10614442B2 (en) 2014-12-03 2020-04-07 Mastercard International Incorporated System and method of facilitating cash transactions at an ATM system without an ATM card using mobile
US10248947B2 (en) * 2015-06-29 2019-04-02 Oberthur Technologies of America Corp. Method of generating a bank transaction request for a mobile terminal having a secure module
US11120436B2 (en) * 2015-07-17 2021-09-14 Mastercard International Incorporated Authentication system and method for server-based payments
SG10201508945YA (en) 2015-10-29 2017-05-30 Mastercard International Inc Method and system for cardless use of an automated teller machine (atm)
US10496982B2 (en) * 2016-02-03 2019-12-03 Accenture Global Solutions Limited Secure contactless card emulation
WO2017182411A1 (en) * 2016-04-18 2017-10-26 Bancontact-Mistercash Nv/Sa Method and device for authorizing mobile transactions
WO2017184840A1 (en) 2016-04-21 2017-10-26 Mastercard International Incorporated Method and system for contactless transactions without user credentials
EP3507754A1 (en) 2016-09-04 2019-07-10 Mastercard International Incorporated Method and system for cardless atm transaction via mobile device
EP3340094B1 (en) * 2016-12-22 2021-04-28 Mastercard International Incorporated Method for renewal of cryptographic whiteboxes under binding of new public key and old identifier
CA3051246A1 (en) * 2017-01-23 2018-07-26 Mastercard International Incorporated Method and system for authentication via a trusted execution environment
EP3364363A1 (en) 2017-02-21 2018-08-22 Mastercard International Incorporated Transaction cryptogram
EP3364352A1 (en) 2017-02-21 2018-08-22 Mastercard International Incorporated Determining legitimate conditions at a computing device
EP3364329B1 (en) 2017-02-21 2023-07-26 Mastercard International Incorporated Security architecture for device applications
CN107274183B (zh) * 2017-03-21 2020-05-22 中国银联股份有限公司 交易验证方法及系统
US11468444B2 (en) * 2017-12-18 2022-10-11 Mastercard International Incorporated Method and system for bypassing merchant systems to increase data security in conveyance of credentials
KR101972599B1 (ko) * 2018-06-19 2019-04-25 김승훈 세션키 처리장치, 처리 방법 및 이를 위한 프로그램을 기록한 컴퓨터 판독 가능한 기록매체
US10581611B1 (en) 2018-10-02 2020-03-03 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards
EP3640878B1 (fr) * 2018-10-17 2023-06-21 Swatch Ag Procede et systeme d'activation d'un objet portable de paiement sans contact
US10984416B2 (en) * 2019-03-20 2021-04-20 Capital One Services, Llc NFC mobile currency transfer
US11803827B2 (en) 2019-11-01 2023-10-31 Mastercard International Incorporated Method and system for enabling cardless transactions at an ATM for any institutional entity
CN111901109B (zh) * 2020-08-04 2022-10-04 华人运通(上海)云计算科技有限公司 基于白盒的通信方法、装置、设备和存储介质
CN113421084B (zh) * 2021-05-26 2023-03-24 歌尔股份有限公司 公交卡处理方法、装置、设备及可读存储介质

Family Cites Families (12)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP4183823B2 (ja) * 1999-02-10 2008-11-19 富士通株式会社 データ照合装置、データ照合システムおよびデータ照合プログラム記憶媒体
US7249093B1 (en) * 1999-09-07 2007-07-24 Rysix Holdings, Llc Method of and system for making purchases over a computer network
JP2004086599A (ja) * 2002-08-27 2004-03-18 Toppan Printing Co Ltd クレジットカード情報管理装置および管理方法並びにそのプログラム
US7873572B2 (en) * 2004-02-26 2011-01-18 Reardon David C Financial transaction system with integrated electronic messaging, control of marketing data, and user defined charges for receiving messages
CN101461209A (zh) * 2006-04-10 2009-06-17 信托综合服务公司 安全的数据传输的装置与方法
US8713655B2 (en) * 2008-04-21 2014-04-29 Indian Institute Of Technology Method and system for using personal devices for authentication and service access at service outlets
BR112013003369A2 (pt) * 2010-08-12 2020-08-04 Mastercard International, Inc. carteira com múltiplos canais de comércio para transações autenticadas
US8746553B2 (en) * 2010-09-27 2014-06-10 Mastercard International Incorporated Purchase Payment device updates using an authentication process
KR20120110926A (ko) * 2011-03-30 2012-10-10 주식회사 비즈모델라인 프로그램 식별을 통한 카드 결제 방법 및 시스템과 이를 위한 스마트폰
US20120317628A1 (en) * 2011-06-09 2012-12-13 Yeager C Douglas Systems and methods for authorizing a transaction
US10515359B2 (en) 2012-04-02 2019-12-24 Mastercard International Incorporated Systems and methods for processing mobile payments by provisioning credentials to mobile devices without secure elements
KR101671457B1 (ko) * 2012-04-18 2016-11-01 구글 인코포레이티드 보안 요소를 갖지 않는 지불 거래들의 처리

Also Published As

Publication number Publication date
NZ720688A (en) 2017-09-29
AU2014357381B2 (en) 2017-03-23
EP3077972A4 (en) 2017-08-09
KR20170139689A (ko) 2017-12-19
SG10201800179UA (en) 2018-02-27
JP2017504871A (ja) 2017-02-09
CA2932346A1 (en) 2015-06-11
AU2014357381A1 (en) 2016-06-16
CA2932346C (en) 2018-09-04
KR102025816B1 (ko) 2019-09-26
RU2663319C2 (ru) 2018-08-03
JP6353537B2 (ja) 2018-07-04
EP3077972A1 (en) 2016-10-12
IL245965A0 (en) 2016-07-31
MX361793B (es) 2018-12-17
BR112016012527A2 (pt) 2017-08-08
KR20160091418A (ko) 2016-08-02
JP2018164281A (ja) 2018-10-18
WO2015084755A1 (en) 2015-06-11
MX2016007217A (es) 2016-12-09
CN106062799B (zh) 2022-04-29
IL245965B (en) 2022-05-01
CN106062799A (zh) 2016-10-26
KR101809221B1 (ko) 2017-12-14
UA115500C2 (uk) 2017-11-10
HK1227146A1 (zh) 2017-10-13

Similar Documents

Publication Publication Date Title
CL2016001353A1 (es) Métodos y sistemas para la autentificación segura de un usuario y un dispositivo móvil sin elementos de seguridad y que generan credenciales de pago en una transacción de pago.
CL2016001351A1 (es) Método y sistema para la transmision segura de mensajes del servicio de transmision a distancia a dispositivos moviles sin elementos de seguridad
CL2018002363A1 (es) Determinación de un secreto común para el intercambio seguro de información y claves criptográficas deterministas y jerárquicas.
BR112017002747A2 (pt) método implementado por computador, e, sistema de computador.
TR201902104T4 (tr) Güvenli iletişime yönelik sistemler ve yöntemler.
BR112017003018A2 (pt) fornecimento seguro de uma credencial de autenticação
MX2018003007A (es) Dispositivo proxy para representar multiples credenciales.
PH12018501578A1 (en) Credit payment method and apparatus based on mobile terminal p2p
WO2015187640A3 (en) System and method for secure review of audit logs
MY189090A (en) Method and apparatus of barcode-based mobile payment and service processing
MX2016010086A (es) Metodo y sistema para generar una llave de almacenamiento avanzada en un dispositivo movil sin elementos de seguridad.
BR112012022938A2 (pt) métodos e sistema
WO2016073047A3 (en) Environment-aware security tokens
BR112018073935A2 (pt) método, dispositivo de usuário, e, computador de autorização.
SG11201806131YA (en) Credit payment method and apparatus based on card emulation of mobile terminal
CL2014002816A1 (es) Método de autenticación de usuario, que comprende recibir un pedido de usuario para iniciar sesión de autenticación, acceder a un registro almacenado en memoria asociada al usuario, generar una matriz de seguridad, transmitir la matriz al usuario, recibir del usuario una secuencia ordenada de valores de código seleccionada desde la matriz, validar la secuencia recibida, generar un resultado de autenticación; aparato; sistema
NZ629125A (en) Credential management system
GB2562923A (en) Data security system with encryption
SG11201900367SA (en) Method and device for providing and obtaining graphic code information, and terminal
BR112013001728A2 (pt) métodos para criptografar um valor introduzido em um dispositivo de usuário, para verificar um valor comunicado a um sistema de autenticação via uma rede de comunicações, e para comunicar um valor introduzido em um dispositivo de usuário a um sistema de autenticação via uma rede de comunicações, dispositivo de usuário, sistema, software, e, meio legível por computador.
WO2016190918A3 (en) Multiple protocol transaction encryption
AR098379A1 (es) Método de verificación de seguridad de una aplicación, un servidor de aplicaciones, una aplicación cliente y un sistema
TW201612812A (en) Apparatus and method for self-service payment
GB2545841A (en) Systems and methods for providing payment hotspots
WO2016144258A3 (en) Methods and systems for facilitating secured access to storage devices