CN108352987A - 一种基于并行自主信道多用户多因素身份验证的交易授权方法和系统 - Google Patents

一种基于并行自主信道多用户多因素身份验证的交易授权方法和系统 Download PDF

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Publication number
CN108352987A
CN108352987A CN201680057390.3A CN201680057390A CN108352987A CN 108352987 A CN108352987 A CN 108352987A CN 201680057390 A CN201680057390 A CN 201680057390A CN 108352987 A CN108352987 A CN 108352987A
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CN
China
Prior art keywords
transaction
owner
account owner
response
verification process
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.)
Pending
Application number
CN201680057390.3A
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English (en)
Chinese (zh)
Inventor
托马斯·索克
马克西姆·乌马罗夫
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
AuthID Inc
Original Assignee
ID Global Solutions Corp
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 ID Global Solutions Corp filed Critical ID Global Solutions Corp
Publication of CN108352987A publication Critical patent/CN108352987A/zh
Pending legal-status Critical Current

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Classifications

    • 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
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
    • G06Q20/425—Confirmation, e.g. check or permission by the legal debtor of payment using two different networks, one for transaction and one for security confirmation
    • 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
    • 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 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
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • G06Q20/3674—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes involving authentication
    • 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
    • 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
    • G06Q20/382—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
    • 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
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3825—Use of electronic signatures
    • 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
    • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
    • 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
    • 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
    • H04L9/321—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 involving a third party or a trusted authority
    • H04L9/3213—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 involving a third party or a trusted authority using tickets or tokens, e.g. Kerberos
    • 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
    • H04L9/3234—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 involving additional secure or trusted devices, e.g. TPM, smartcard, USB or software token
    • 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
    • H04L9/3247—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 involving digital signatures
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L2463/00—Additional details relating to network architectures or network communication protocols for network security covered by H04L63/00
    • H04L2463/082—Additional details relating to network architectures or network communication protocols for network security covered by H04L63/00 applying multi-factor authentication

Landscapes

  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Computer Security & Cryptography (AREA)
  • Theoretical Computer Science (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Signal Processing (AREA)
  • Microelectronics & Electronic Packaging (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)
CN201680057390.3A 2015-08-10 2016-08-10 一种基于并行自主信道多用户多因素身份验证的交易授权方法和系统 Pending CN108352987A (zh)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
US201562203024P 2015-08-10 2015-08-10
US62/203024 2015-08-10
PCT/US2016/046332 WO2017027580A1 (en) 2015-08-10 2016-08-10 A method and system for transaction authorization basd on a parallel autonomous channel multi-user and multi-factor authentication

Publications (1)

Publication Number Publication Date
CN108352987A true CN108352987A (zh) 2018-07-31

Family

ID=57983625

Family Applications (1)

Application Number Title Priority Date Filing Date
CN201680057390.3A Pending CN108352987A (zh) 2015-08-10 2016-08-10 一种基于并行自主信道多用户多因素身份验证的交易授权方法和系统

Country Status (11)

Country Link
US (1) US11328299B2 (enExample)
EP (1) EP3335371A4 (enExample)
JP (1) JP2018533144A (enExample)
KR (1) KR102658597B1 (enExample)
CN (1) CN108352987A (enExample)
AU (1) AU2016304860A1 (enExample)
BR (1) BR112018002841A8 (enExample)
CA (1) CA2995379C (enExample)
CO (1) CO2018002528A2 (enExample)
MX (1) MX2018001763A (enExample)
WO (1) WO2017027580A1 (enExample)

Families Citing this family (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR102712518B1 (ko) * 2018-11-20 2024-10-02 서강대학교산학협력단 이더리움 샤딩 환경에서 샤드 간 트랜잭션 로드 분배 방법
JP2022548444A (ja) * 2019-06-04 2022-11-21 デジタル・アセット・（スウィツァーランド）・ゲーエムベーハー マルチユーザデータベースシステムおよび方法
CN111027977A (zh) * 2019-11-22 2020-04-17 中汇信息技术（上海）有限公司 一种数据验证的方法、装置及电子设备
US12406256B2 (en) * 2022-01-20 2025-09-02 Mastercard International Incorporated Parallel processing in a network
US12326928B2 (en) 2022-07-29 2025-06-10 Nutanix, Inc. Implementing multi-party authorizations within an identity and access management regime
WO2025085220A1 (en) * 2023-10-19 2025-04-24 Visa International Service Association Electronic identification verification for mobile device

Citations (5)

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US20050027543A1 (en) * 2002-08-08 2005-02-03 Fujitsu Limited Methods for purchasing of goods and services
US20090106556A1 (en) * 2007-10-19 2009-04-23 Memory Experts International Inc. Method of providing assured transactions using secure transaction appliance and watermark verification
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
CN101901452A (zh) * 2004-07-12 2010-12-01 戴维.N.哈里斯 用于保护信用帐户的系统和方法
US20140067690A1 (en) * 2005-10-06 2014-03-06 C-Sam, Inc. Ensuring secure electronic transactions with a cluster of service facilities

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US7231068B2 (en) * 1998-06-19 2007-06-12 Solidus Networks, Inc. Electronic transaction verification system
US20030163739A1 (en) * 2002-02-28 2003-08-28 Armington John Phillip Robust multi-factor authentication for secure application environments
US7707120B2 (en) * 2002-04-17 2010-04-27 Visa International Service Association Mobile account authentication service
JP2004164597A (ja) * 2002-08-08 2004-06-10 Fujitsu Ltd 商品及びサービスを購入する方法
US20060173776A1 (en) * 2005-01-28 2006-08-03 Barry Shalley A Method of Authentication
US7783564B2 (en) * 2006-07-25 2010-08-24 Visa U.S.A. Inc. Compliance control in a card based program
US8380177B2 (en) * 2010-04-09 2013-02-19 Paydiant, Inc. Mobile phone payment processing methods and systems
US8682798B2 (en) * 2010-09-24 2014-03-25 Visa International Service Association Method and system using universal ID and biometrics
US20130346294A1 (en) * 2012-03-21 2013-12-26 Patrick Faith Risk manager optimizer
US20140095404A1 (en) * 2012-05-17 2014-04-03 Daniel Emanuel Hines System and Method for Social Giving
US9098687B2 (en) * 2013-05-03 2015-08-04 Citrix Systems, Inc. User and device authentication in enterprise systems
US20150161596A1 (en) * 2013-12-05 2015-06-11 Alliance Messaging Limited Token used in lieu of account identifier

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Publication number Priority date Publication date Assignee Title
US20050027543A1 (en) * 2002-08-08 2005-02-03 Fujitsu Limited Methods for purchasing of goods and services
CN101901452A (zh) * 2004-07-12 2010-12-01 戴维.N.哈里斯 用于保护信用帐户的系统和方法
US20140067690A1 (en) * 2005-10-06 2014-03-06 C-Sam, Inc. Ensuring secure electronic transactions with a cluster of service facilities
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
US20090106556A1 (en) * 2007-10-19 2009-04-23 Memory Experts International Inc. Method of providing assured transactions using secure transaction appliance and watermark verification

Also Published As

Publication number Publication date
KR20180073550A (ko) 2018-07-02
BR112018002841A2 (pt) 2019-04-30
US11328299B2 (en) 2022-05-10
BR112018002841A8 (pt) 2020-11-17
CO2018002528A2 (es) 2018-07-19
JP2018533144A (ja) 2018-11-08
CA2995379A1 (en) 2017-02-16
US20180240121A1 (en) 2018-08-23
KR102658597B1 (ko) 2024-04-17
EP3335371A1 (en) 2018-06-20
CA2995379C (en) 2023-11-14
EP3335371A4 (en) 2019-02-06
MX2018001763A (es) 2019-01-31
WO2017027580A1 (en) 2017-02-16
AU2016304860A1 (en) 2018-03-29

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Application publication date: 20180731