CN103116842A - 多因子多信道id认证和交易控制及多选项支付系统及方法 - Google Patents
多因子多信道id认证和交易控制及多选项支付系统及方法 Download PDFInfo
- Publication number
- CN103116842A CN103116842A CN2012103336477A CN201210333647A CN103116842A CN 103116842 A CN103116842 A CN 103116842A CN 2012103336477 A CN2012103336477 A CN 2012103336477A CN 201210333647 A CN201210333647 A CN 201210333647A CN 103116842 A CN103116842 A CN 103116842A
- Authority
- CN
- China
- Prior art keywords
- equipment
- server
- service provider
- message
- payment
- Prior art date
- Legal status (The legal status 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 status listed.)
- Granted
Links
Images
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
- G06Q20/08—Payment architectures
- G06Q20/16—Payments settled via telecommunication 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
- G06Q20/38—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; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
- G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
- G06F21/31—User authentication
- G06F21/32—User authentication using biometric data, e.g. fingerprints, iris scans or voiceprints
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
- G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
- G06F21/31—User authentication
- G06F21/34—User authentication involving the use of external additional devices, e.g. dongles or smart cards
- G06F21/35—User authentication involving the use of external additional devices, e.g. dongles or smart cards communicating wirelessly
-
- 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
- G06Q20/38—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
-
- 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
- H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
- H04L63/0861—Network architectures or network communication protocols for network security for authentication of entities using biometrical features, e.g. fingerprint, retina-scan
-
- 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
- H04L9/3226—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 predetermined code, e.g. password, passphrase or PIN
- H04L9/3228—One-time or temporary data, i.e. information which is sent for every authentication or authorization, e.g. one-time-password, one-time-token or one-time-key
-
- 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
- H04L9/3271—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 challenge-response
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L2209/00—Additional information or applications relating to cryptographic mechanisms or cryptographic arrangements for secret or secure communication H04L9/00
- H04L2209/42—Anonymization, e.g. involving pseudonyms
Landscapes
- Engineering & Computer Science (AREA)
- Computer Security & Cryptography (AREA)
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Theoretical Computer Science (AREA)
- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
- Computer Networks & Wireless Communication (AREA)
- General Business, Economics & Management (AREA)
- Signal Processing (AREA)
- Finance (AREA)
- Strategic Management (AREA)
- General Engineering & Computer Science (AREA)
- Computer Hardware Design (AREA)
- Software Systems (AREA)
- Health & Medical Sciences (AREA)
- Biomedical Technology (AREA)
- General Health & Medical Sciences (AREA)
- Computing Systems (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)
Abstract
Description
Claims (50)
Priority Applications (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
CN201710943287.5A CN107730256B (zh) | 2011-09-09 | 2012-09-10 | 多因子多信道id认证和交易控制及多选项支付系统及方法 |
CN201710943700.8A CN107730240B (zh) | 2011-09-09 | 2012-09-10 | 多因子多信道id认证和交易控制及多选项支付系统及方法 |
Applications Claiming Priority (4)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US13/229,219 US20120066501A1 (en) | 2009-03-17 | 2011-09-09 | Multi-factor and multi-channel id authentication and transaction control |
US13/229,219 | 2011-09-09 | ||
US201161544800P | 2011-10-07 | 2011-10-07 | |
US61/544,800 | 2011-10-07 |
Related Child Applications (2)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
CN201710943287.5A Division CN107730256B (zh) | 2011-09-09 | 2012-09-10 | 多因子多信道id认证和交易控制及多选项支付系统及方法 |
CN201710943700.8A Division CN107730240B (zh) | 2011-09-09 | 2012-09-10 | 多因子多信道id认证和交易控制及多选项支付系统及方法 |
Publications (3)
Publication Number | Publication Date |
---|---|
CN103116842A true CN103116842A (zh) | 2013-05-22 |
CN103116842B CN103116842B (zh) | 2017-11-21 |
CN103116842B8 CN103116842B8 (zh) | 2018-01-19 |
Family
ID=48415207
Family Applications (3)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
CN201710943700.8A Active CN107730240B (zh) | 2011-09-09 | 2012-09-10 | 多因子多信道id认证和交易控制及多选项支付系统及方法 |
CN201710943287.5A Active CN107730256B (zh) | 2011-09-09 | 2012-09-10 | 多因子多信道id认证和交易控制及多选项支付系统及方法 |
CN201210333647.7A Active CN103116842B8 (zh) | 2011-09-09 | 2012-09-10 | 多因子多信道id认证和交易控制及多选项支付系统及方法 |
Family Applications Before (2)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
CN201710943700.8A Active CN107730240B (zh) | 2011-09-09 | 2012-09-10 | 多因子多信道id认证和交易控制及多选项支付系统及方法 |
CN201710943287.5A Active CN107730256B (zh) | 2011-09-09 | 2012-09-10 | 多因子多信道id认证和交易控制及多选项支付系统及方法 |
Country Status (1)
Country | Link |
---|---|
CN (3) | CN107730240B (zh) |
Cited By (9)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
CN104021473A (zh) * | 2014-05-30 | 2014-09-03 | 刘劲彤 | 一种可视金融卡的安全支付方法 |
CN105913246A (zh) * | 2015-02-24 | 2016-08-31 | 三星电子株式会社 | 能够进行磁场通信的手持电子设备及使用其支付方法 |
CN107251063A (zh) * | 2014-12-24 | 2017-10-13 | 斯威夫特有限公司 | 用于促进货物提供的系统和方法 |
CN107251080A (zh) * | 2015-03-25 | 2017-10-13 | 脸谱公司 | 用户通过社交网络系统与商家的通信 |
CN108305073A (zh) * | 2017-01-11 | 2018-07-20 | 塔塔咨询服务公司 | 使用通信信道执行交易请求的方法和系统 |
CN108475368A (zh) * | 2015-12-30 | 2018-08-31 | 维萨国际服务协会 | 具有第三方参与可选项目的键盘应用程序 |
TWI674542B (zh) * | 2018-10-23 | 2019-10-11 | 臺灣行動支付股份有限公司 | 無需交易繞送作業的行動支付交易系統及其資料處理方法 |
CN111937021A (zh) * | 2018-04-10 | 2020-11-13 | Visa欧洲有限公司 | 电子交易系统 |
CN113661528A (zh) * | 2019-03-27 | 2021-11-16 | 维尔塔有限公司 | 用于请求针对电动交通工具充电会话的用户授权并且响应所请求的用户授权的方法、装置以及计算机程序产品 |
Families Citing this family (1)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
CN110969555A (zh) * | 2018-09-30 | 2020-04-07 | 上海柠睿企业服务合伙企业(有限合伙) | 多层次信息审核方法、装置、系统、终端、服务器和介质 |
Citations (9)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
CN1864119A (zh) * | 2003-10-09 | 2006-11-15 | 沃达方集团有限公司 | 为交易提供便利和认证 |
US20070118745A1 (en) * | 2005-11-16 | 2007-05-24 | Broadcom Corporation | Multi-factor authentication using a smartcard |
US20070130463A1 (en) * | 2005-12-06 | 2007-06-07 | Eric Chun Wah Law | Single one-time password token with single PIN for access to multiple providers |
US20070214352A1 (en) * | 2006-03-10 | 2007-09-13 | Sean Convery | Role aware network security enforcement |
US20080123843A1 (en) * | 2006-11-28 | 2008-05-29 | Diversinet Corp. | Method for binding a security element to a mobile device |
CN101427268A (zh) * | 2006-04-18 | 2009-05-06 | 微软公司 | 使用移动模块对商业交易的认证 |
CN101770619A (zh) * | 2008-12-31 | 2010-07-07 | 中国银联股份有限公司 | 一种用于网上支付的多因子认证方法和认证系统 |
CN101841418A (zh) * | 2009-03-17 | 2010-09-22 | 熊楚渝 | 手持多功能电子认证器及其服务系统 |
CN102006271A (zh) * | 2008-09-02 | 2011-04-06 | F2威尔股份有限公司 | 用于在线交易的ip地址安全多信道认证 |
Family Cites Families (11)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
EP1107198B1 (en) * | 1999-11-30 | 2007-01-10 | Citibank, Na | System and method for performing an electronic transaction using a transaction proxy with an electronic wallet |
CN1897027A (zh) * | 2005-04-08 | 2007-01-17 | 富士通株式会社 | 使用移动装置的认证服务 |
EP1980986A3 (en) * | 2006-07-06 | 2011-03-02 | Firethorn Holdings, LLC | Method and systems for managing payment sources in a mobile environment |
CN101606173A (zh) * | 2006-10-12 | 2009-12-16 | 彼得·A·夏皮罗 | 匿名在线购买的方法和系统 |
CN101271561A (zh) * | 2008-05-16 | 2008-09-24 | 腾讯科技(深圳)有限公司 | 电子商务交易系统及方法 |
US20100125635A1 (en) * | 2008-11-17 | 2010-05-20 | Vadim Axelrod | User authentication using alternative communication channels |
GB2466810A (en) * | 2009-01-08 | 2010-07-14 | Visa Europe Ltd | Processing payment authorisation requests |
CN101894424A (zh) * | 2009-05-21 | 2010-11-24 | 北京西阁万投资咨询有限公司 | 提升安全性的交易卡处理系统和方法 |
CN102045163A (zh) * | 2009-10-15 | 2011-05-04 | 中兴通讯股份有限公司 | 一种匿名通信的溯源方法及系统 |
US8627088B2 (en) * | 2010-02-10 | 2014-01-07 | Authernative, Inc. | System and method for in- and out-of-band multi-factor server-to-user authentication |
CN101867587B (zh) * | 2010-07-09 | 2015-11-25 | 北京交通大学 | 一种匿名认证的方法及系统 |
-
2012
- 2012-09-10 CN CN201710943700.8A patent/CN107730240B/zh active Active
- 2012-09-10 CN CN201710943287.5A patent/CN107730256B/zh active Active
- 2012-09-10 CN CN201210333647.7A patent/CN103116842B8/zh active Active
Patent Citations (9)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
CN1864119A (zh) * | 2003-10-09 | 2006-11-15 | 沃达方集团有限公司 | 为交易提供便利和认证 |
US20070118745A1 (en) * | 2005-11-16 | 2007-05-24 | Broadcom Corporation | Multi-factor authentication using a smartcard |
US20070130463A1 (en) * | 2005-12-06 | 2007-06-07 | Eric Chun Wah Law | Single one-time password token with single PIN for access to multiple providers |
US20070214352A1 (en) * | 2006-03-10 | 2007-09-13 | Sean Convery | Role aware network security enforcement |
CN101427268A (zh) * | 2006-04-18 | 2009-05-06 | 微软公司 | 使用移动模块对商业交易的认证 |
US20080123843A1 (en) * | 2006-11-28 | 2008-05-29 | Diversinet Corp. | Method for binding a security element to a mobile device |
CN102006271A (zh) * | 2008-09-02 | 2011-04-06 | F2威尔股份有限公司 | 用于在线交易的ip地址安全多信道认证 |
CN101770619A (zh) * | 2008-12-31 | 2010-07-07 | 中国银联股份有限公司 | 一种用于网上支付的多因子认证方法和认证系统 |
CN101841418A (zh) * | 2009-03-17 | 2010-09-22 | 熊楚渝 | 手持多功能电子认证器及其服务系统 |
Cited By (14)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
CN104021473A (zh) * | 2014-05-30 | 2014-09-03 | 刘劲彤 | 一种可视金融卡的安全支付方法 |
CN107251063A (zh) * | 2014-12-24 | 2017-10-13 | 斯威夫特有限公司 | 用于促进货物提供的系统和方法 |
US11663646B2 (en) | 2014-12-24 | 2023-05-30 | Swyft Inc. | System and a method for facilitating the provision of goods |
US11232339B2 (en) | 2015-02-24 | 2022-01-25 | Samsung Electronics Co., Ltd. | Handheld electronic device capable of magnetic field communication and payment method using the same |
CN105913246A (zh) * | 2015-02-24 | 2016-08-31 | 三星电子株式会社 | 能够进行磁场通信的手持电子设备及使用其支付方法 |
CN107251080A (zh) * | 2015-03-25 | 2017-10-13 | 脸谱公司 | 用户通过社交网络系统与商家的通信 |
CN108475368A (zh) * | 2015-12-30 | 2018-08-31 | 维萨国际服务协会 | 具有第三方参与可选项目的键盘应用程序 |
CN108475368B (zh) * | 2015-12-30 | 2023-12-05 | 维萨国际服务协会 | 具有第三方参与可选项目的键盘应用程序 |
CN108305073B (zh) * | 2017-01-11 | 2022-06-17 | 塔塔咨询服务公司 | 使用通信信道执行交易请求的方法和系统 |
CN108305073A (zh) * | 2017-01-11 | 2018-07-20 | 塔塔咨询服务公司 | 使用通信信道执行交易请求的方法和系统 |
CN111937021A (zh) * | 2018-04-10 | 2020-11-13 | Visa欧洲有限公司 | 电子交易系统 |
TWI674542B (zh) * | 2018-10-23 | 2019-10-11 | 臺灣行動支付股份有限公司 | 無需交易繞送作業的行動支付交易系統及其資料處理方法 |
CN113661528A (zh) * | 2019-03-27 | 2021-11-16 | 维尔塔有限公司 | 用于请求针对电动交通工具充电会话的用户授权并且响应所请求的用户授权的方法、装置以及计算机程序产品 |
CN113661528B (zh) * | 2019-03-27 | 2023-09-29 | 维尔塔有限公司 | 用于请求针对电动交通工具充电会话的用户授权并且响应所请求的用户授权的方法、装置以及计算机程序产品 |
Also Published As
Publication number | Publication date |
---|---|
CN107730256B (zh) | 2022-01-04 |
CN103116842B (zh) | 2017-11-21 |
CN103116842B8 (zh) | 2018-01-19 |
CN107730240B (zh) | 2021-03-26 |
CN107730240A (zh) | 2018-02-23 |
CN107730256A (zh) | 2018-02-23 |
Similar Documents
Publication | Publication Date | Title |
---|---|---|
US11880815B2 (en) | Device enrollment system and method | |
US11170379B2 (en) | Peer forward authorization of digital requests | |
US11423452B2 (en) | Systems and methods for establishing identity for order pick up | |
CN103116842A (zh) | 多因子多信道id认证和交易控制及多选项支付系统及方法 | |
CN112889241B (zh) | 用于账户验证的核实服务 | |
JP2022501875A (ja) | 非接触カードの暗号化認証のためのシステムおよび方法 | |
US11182785B2 (en) | Systems and methods for authorization and access to services using contactless cards | |
US20130066772A1 (en) | Multi-factor and multi-channel id authentication and transaction control and multi-option payment system and method | |
US20230062507A1 (en) | User authentication at access control server using mobile device | |
US11757638B2 (en) | Account assertion | |
US11812260B2 (en) | Secure offline mobile interactions | |
KR20140119450A (ko) | 보안전자결제 시스템 및 방법 |
Legal Events
Date | Code | Title | Description |
---|---|---|---|
C06 | Publication | ||
PB01 | Publication | ||
C10 | Entry into substantive examination | ||
SE01 | Entry into force of request for substantive examination | ||
GR01 | Patent grant | ||
GR01 | Patent grant | ||
TR01 | Transfer of patent right | ||
TR01 | Transfer of patent right |
Effective date of registration: 20171113 Address after: High tech Zone Gaopeng Avenue in Chengdu city in Sichuan province No. five students Pioneering Park B block, Room 302 Patentee after: Chengdu Cyberkey Technology Co., Ltd. Address before: American New York Patentee before: Xiong Chuyu |
|
CI03 | Correction of invention patent | ||
CI03 | Correction of invention patent |
Correction item: Patentee|Address Correct: Chengdu Cyberkey Technology Co., Ltd.|High tech Zone Gaopeng road in Chengdu city of Sichuan province in 610041 No. five students Pioneering Park B block, Room 302 False: Xiong Chuyu|American New York Number: 47-01 Page: The title page Volume: 33 Correction item: Patentee|Address Correct: Chengdu Cyberkey Technology Co., Ltd.|High tech Zone Gaopeng road in Chengdu city of Sichuan province in 610041 No. five students Pioneering Park B block, Room 302 False: Xiong Chuyu|American New York False: Xiong Chuyu|American New York Number: 47-01 Volume: 33 |