CN104487987B - 用于防止欺诈的系统和方法 - Google Patents

用于防止欺诈的系统和方法 Download PDF

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Publication number
CN104487987B
CN104487987B CN201380038804.4A CN201380038804A CN104487987B CN 104487987 B CN104487987 B CN 104487987B CN 201380038804 A CN201380038804 A CN 201380038804A CN 104487987 B CN104487987 B CN 104487987B
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China
Prior art keywords
personal device
user
card
processor
biometric
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Expired - Fee Related
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CN201380038804.4A
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English (en)
Chinese (zh)
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CN104487987A (zh
Inventor
彼得·切里
阿龙科普·马厄
戴恩杰伊·马厄
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Individual
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Priority claimed from AU2012903212A external-priority patent/AU2012903212A0/en
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Publication of CN104487987A publication Critical patent/CN104487987A/zh
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Publication of CN104487987B publication Critical patent/CN104487987B/zh
Expired - Fee Related legal-status Critical Current
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Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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 OR CALCULATING; 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 OR CALCULATING; COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
    • G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
    • G06K19/0716—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips at least one of the integrated circuit chips comprising a sensor or an interface to a sensor
    • G06K19/0718—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips at least one of the integrated circuit chips comprising a sensor or an interface to a sensor the sensor being of the biometric kind, e.g. fingerprint sensors
    • 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
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • 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
    • G06Q2220/00—Business processing using cryptography
    • 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
    • H04L9/50—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols using hash chains, e.g. blockchains or hash trees

Landscapes

  • Engineering & Computer Science (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Computer Hardware Design (AREA)
  • Business, Economics & Management (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Accounting & Taxation (AREA)
  • Software Systems (AREA)
  • General Engineering & Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Automation & Control Theory (AREA)
  • Finance (AREA)
  • Credit Cards Or The Like (AREA)
  • Measurement Of The Respiration, Hearing Ability, Form, And Blood Characteristics Of Living Organisms (AREA)
  • Collating Specific Patterns (AREA)
  • Storage Device Security (AREA)
  • Image Input (AREA)
CN201380038804.4A 2012-07-26 2013-07-26 用于防止欺诈的系统和方法 Expired - Fee Related CN104487987B (zh)

Applications Claiming Priority (5)

Application Number Priority Date Filing Date Title
AU2012903212A AU2012903212A0 (en) 2012-07-26 System and Method for Fraud Prevention
AU2012903212 2012-07-26
AU2013204744A AU2013204744A1 (en) 2012-07-26 2013-04-12 System and Method for Fraud Prevention
AU2013204744 2013-04-12
PCT/AU2013/000834 WO2014015386A1 (en) 2012-07-26 2013-07-26 System and method for fraud prevention

Publications (2)

Publication Number Publication Date
CN104487987A CN104487987A (zh) 2015-04-01
CN104487987B true CN104487987B (zh) 2018-07-10

Family

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Family Applications (1)

Application Number Title Priority Date Filing Date
CN201380038804.4A Expired - Fee Related CN104487987B (zh) 2012-07-26 2013-07-26 用于防止欺诈的系统和方法

Country Status (10)

Country Link
US (1) US10586232B2 (enExample)
EP (1) EP2877962B1 (enExample)
JP (1) JP6082110B2 (enExample)
KR (1) KR20150051989A (enExample)
CN (1) CN104487987B (enExample)
AU (1) AU2013204744A1 (enExample)
BR (1) BR112015000212A2 (enExample)
IN (1) IN2014DN11240A (enExample)
RU (1) RU2610297C2 (enExample)
WO (1) WO2014015386A1 (enExample)

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Also Published As

Publication number Publication date
RU2015100234A (ru) 2016-09-20
EP2877962A1 (en) 2015-06-03
JP2015522890A (ja) 2015-08-06
US10586232B2 (en) 2020-03-10
AU2013204744A1 (en) 2014-02-13
CN104487987A (zh) 2015-04-01
EP2877962A4 (en) 2016-02-17
US20150206148A1 (en) 2015-07-23
WO2014015386A1 (en) 2014-01-30
IN2014DN11240A (enExample) 2015-10-09
JP6082110B2 (ja) 2017-02-15
KR20150051989A (ko) 2015-05-13
EP2877962B1 (en) 2022-03-30
BR112015000212A2 (pt) 2017-06-27
RU2610297C2 (ru) 2017-02-08

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Granted publication date: 20180710