CN116830527A - 使用资源定位符的经认证点对点数据传送的系统和方法 - Google Patents
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Abstract
一种经认证的数据传送系统可以包括:在发送设备的一个或多个处理器进入通信场之后生成链路,所述链路包括近场通信数据交换格式统一资源定位符,所述统一资源定位符包括标识符数据和用户数据;向包括用于在第一设备上执行的指令的第一应用发送链路,以发起数据传送;通过基于链路激活一个或多个动作来认证与第一设备相关联的用户;通过基于链路激活一个或多个动作来认证与第一设备相关联的用户;发送对与数据传送相关联的数量和接收方数据的确认的一个或多个请求;接收一个或多个通知,该一个或多个通知基于对与数据传送相关联的数量和接收方数据的确认的一个或多个请求;以及执行响应于一个或多个通知的一个或多个登录凭证,以便完成数据传送。
Description
相关申请的交叉引用
本申请要求于2021年1月29日提交的美国专利申请号17/162783的优先权,该申请的公开内容通过引用整体并入本文。
技术领域
本公开涉及用于点对点数据传送的系统和方法,并且特别涉及用于使用资源定位符的经认证点对点数据传送的系统和方法。
背景技术
当两个对端设备尚未通过现有网络连接时,点对点数据传送可能会很麻烦。这是因为为了完成传送,两个对端设备必须在同一网络上注册并被配置用于通信。此外,配置和调度数据传送可能对用户体验有害。还存在安全风险,并且可能包括与跨平台时的数据完整性和漏洞相关联的风险,以及通过使用电子邮件地址或其他帐户标识符错误识别帐户相关联的风险。这些风险和缺点可能会减少用户对跨应用通信的需求,并抑制跨应用通信的功能和效率。
存在这些和其他缺陷。因此,需要用于提供增强的安全性和改进的用户体验的点对点数据传送的系统和方法。
发明内容
本公开的实施例提供了一种经过认证的数据传送系统,包括由处理器和存储器组成的非接触式卡。在进入通信场之后,处理器可以被配置为动态生成统一资源定位符(URL)。该URL可以包括第一组信息,该第一组信息包括抽象的标识符信息。该URL可以包括包含用户信息的第二组信息。处理器可以被配置为发送URL以发起数据传送。在验证了接收到的响应并确认了与数据传送相关联的第三组信息后,可以完成数据传送。
本公开的实施例提供了一种对数据传送进行认证的方法。该方法可以包括:在发送设备的一个或多个处理器进入通信场之后,动态地生成包括近场通信数据交换格式统一资源定位符的链路,该统一资源定位符包括标识符数据和用户数据。该方法可以包括向包括用于在第一设备上执行的指令的第一应用发送链路以发起数据传送。该方法可以包括通过基于该链路激活一个或多个动作来认证与第一设备相关联的用户。该方法可以包括发送对与数据传送相关联的数量和接收方数据的确认的一个或多个请求。该方法可以包括接收一个或多个通知,该一个或多个通知基于该对与数据传送相关联的数量和接收方数据的确认的一个或多个请求。该方法可以包括执行响应于该一个或多个通知的一个或多个登录凭证,以便完成数据传送。
本公开的实施例提供了一种包括计算机可执行指令的计算机可读非瞬态介质,当由处理器执行时,所述指令执行包括以下步骤的过程:在非接触式卡进入通信场后,动态地生成链路,该链路包括第一组信息和第二组信息,该第一组信息包括标识符信息,该第二组信息包括用户信息;向包括用于在第一设备上执行的指令的第一应用发送链路以发起数据传送;通过基于该链路激活一个或多个动作来识别与该第一设备相关联的用户,该一个或多个动作被配置为请求确认与该数据传送相关联的第三组信息;以及基于对第三组信息的认证来发送一个或多个响应,以便完成数据传送。
附图说明
通过参考以下结合附图的描述,可以最好地理解本公开的各种实施例以及另外的目的和优点。
图1描绘了根据示例性实施例的经过认证的数据传送系统。
图2A是根据示例性实施例的非接触式卡的图示。
图2B是根据示例性实施例的非接触式卡的接触垫的图示。
图3描绘了根据示例性实施例的对数据传送进行认证的方法。
图4描绘了根据示例性实施例的对数据传送进行发起和认证的方法。
图5描绘了根据示例性实施例对数据传送进行发起和认证的另一种方法。
具体实施方式
实施例的以下描述提供了非限制性代表性示例,该非限制性代表性示例参考数字具体描述了本发明不同方面的特征和教导。所描述的实施例应当被认为能够与实施例的描述中的其他实施例分开或结合实施。阅读实施例的描述的本领域普通技术人员应当能够学习和理解本发明的不同描述方面。对实施例的描述应当有助于对本公开的理解达到这样的程度,即没有具体涵盖但在阅读了实施例的描述的本领域技术人员的知识范围内的其他实施方式将被理解为与本发明的应用一致。
如本文所公开的,用户可以使用他们的卡进行无缝识别,并发起数据传送。诸如统一资源定位符(URL)、互联网资源定位符(IRL)、统一资源标识符(URI)、统一资源名称(URN)或其他资源定位符之类的资源定位符可以包括抽象的识别信息,包括但不限于持卡人的账户或用户标识符,其在卡的个性化时被加载到芯片上。可以为每笔交易生成抽象的识别信息,诸如动态生成的URL。
非限制性地,通过将唯一标识符与一个或多个变量(如计数器、一个或多个密码算法和/或其任意组合)相结合,可在卡上生成识别信息。例如,一个或多个密码算法可以包括诸如公钥或私钥加密之类的加密技术,该加密技术也将被用于认证的服务器所知。非限制性地,示例性对称密钥算法可以包括对称密钥加密,诸如DES(数据加密标准)、三重DES或AES(高级加密标准)。非限制性地,示例性非对称密钥算法可以包括非对称公钥加密、数字签名算法或RSA(Rivest–Shamir–Adleman)。
在一些示例中,点对点数据传送可以通过网站发起和认证。在其他示例中,点对点数据传送可以通过应用来发起和认证。本文公开的系统和方法最小化了身份信息或其他个人信息的暴露,并提供了更大的安全性。
本公开的示例实施例提供了对用户体验中的限制的改进,以建立和协调不同类型的数据传送,并减轻或消除安全风险(诸如与跨平台、通过电子邮件地址误识别帐户、对所请求的数据传送的认证和设备辨识的验证相关联的风险)。因此,本文公开的系统和方法通过协调定制的点对点数据传送来改进现有的实施方式,该定制的点对点数据传送解决了这些限制,并且提供了增强型安全益处和改进的用户体验。
图1示出了经过认证的数据传送系统100。该经过认证的数据传送系统100可以包括发送设备105、第一应用110、第二应用115、网络120、服务器125和数据库130。尽管图1示出了系统100的组件的单个实例,但是系统100可以包括任意数量的组件。
系统100可包括发送设备105。该发送设备105可以包括非接触式卡、基于接触的卡、网络使能计算机或本文所描述的其他设备。如下面在图2A-2B中进一步解释的,发送设备105可以包括一个或多个处理器102和存储器104。存储器104可以包括一个或多个小程序106和一个或多个计数器108。发送设备105可以与一个或多个设备112、117进行数据通信。例如,发送设备可以经由网络120向客户端设备112、117发送数据。在一些示例中,发送设备105可以被配置为在进入客户端设备112、117的一个或多个通信场之后,经由网络120向客户端设备117发送数据。非限制性地,发送设备105可以被配置为在一次或多次进入客户端设备112、117的一个或多个通信场之后向客户端设备112、117发送数据,该一次或多次进入与轻敲、轻刷、挥动和/或其任意组合相关联。
系统100可包括第一应用110。例如,第一应用110可以包括用于在第一设备112上执行的指令。第一应用110可以与系统100的任意组件进行通信。例如,第一设备112可以执行诸如第一应用110之类的一个或多个应用,其使得能够例如与系统100的一个或多个组件进行网络和/或数据通信,并且发送和/或接收数据。第一设备112可以包括被耦合到存储器114的一个或多个处理器113。例如,第一设备112可以是网络使能计算机。如本文所指,联网计算机可以包括但不限于计算机设备或通信设备,包括例如服务器、网络装备、个人计算机、工作站、电话、手持PC、个人数字助理、非接触式卡、瘦客户端、胖客户端、互联网浏览器或其他设备。第一设备112也可以是移动设备;例如,移动设备可以包括来自的iPhone、iPod、iPad或运行Apple的/>操作系统的任何其他移动设备、运行微软的Mobile操作系统的任意设备、运行Google的/>操作系统的任意设备和/或任何其他智能手机、平板电脑或类似的可穿戴移动设备。
第一设备112可以包括处理电路,并且可以包含附加组件,该附加组件包括处理器、存储器、错误和奇偶校验/CRC校验器、数据编码器、防冲突算法、控制器、命令解码器、安全原语和防篡改硬件,如执行本文所述功能所需要的。第一设备112还可以包括显示器和输入设备。显示器可以是用于呈现视觉信息的任意类型的设备,诸如计算机监视器、平板显示器和移动设备屏幕,包括液晶显示器、发光二极管显示器、等离子面板和阴极射线管显示器。输入设备可以包括用于将信息输入到用户设备中的可用的并且由用户设备支持的任意设备,诸如触摸屏、键盘、鼠标、光标控制设备、触摸屏、麦克风、数码相机、录像机或便携式摄像机。这些设备可以被用于输入信息并且与本文所描述的软件其他设备交互。在一些示例中,第一设备112可以包括从移动设备、可穿戴设备和自动服务终端的组中选择的至少一个。
系统100可以包括第二应用115。第二应用115可以包括用于在第二设备117上执行的指令。第二应用115可以与系统100的任意组件进行通信。例如,第二设备117可以执行诸如第二应用115之类的一个或多个应用,其使得能够例如与系统100的一个或多个组件进行网络和/或数据通信,并且发送和/或接收数据。第二设备117可以包括被耦合到存储器118的一个或多个处理器116。例如,第二设备117可以是联网计算机。如本文所指,联网计算机可以包括但不限于计算机设备或通信设备,包括例如服务器、网络装备、个人计算机、工作站、电话、手持PC、个人数字助理、非接触式卡、瘦客户端、胖客户端、互联网浏览器或其他设备。第二设备117也可以是移动设备;例如,移动设备可以包括来自的iPhone、iPod、iPad或运行Apple的/>操作系统的任何其他移动设备、运行微软的/>Mobile操作系统的任意设备、运行Google的/>操作系统的任意设备和/或任何其他智能手机、平板电脑或类似的可穿戴移动设备。
第二设备117可以包括处理电路,并且可以包含附加组件,该附加组件包括处理器、存储器、错误和奇偶校验/CRC校验器、数据编码器、防冲突算法、控制器、命令解码器、安全原语和防篡改硬件,如执行本文所述功能所需要的。第二设备117还可以包括显示器和输入设备。显示器可以是用于呈现视觉信息的任意类型的设备,诸如计算机监视器、平板显示器和移动设备屏幕,包括液晶显示器、发光二极管显示器、等离子面板和阴极射线管显示器。输入设备可以包括用于将信息输入到用户设备中的可用的并且由用户设备支持的任意设备,诸如触摸屏、键盘、鼠标、光标控制设备、触摸屏、麦克风、数码相机、录像机或便携式摄像机。这些设备可以被用于输入信息并且与本文所描述的软件其他设备交互。在一些示例中,第二设备117可以包括从移动设备、可穿戴设备和自动服务终端的组中选择的至少一个。
系统100可以包括网络120。在一些示例中,网络120可以是无线网络、有线网络或无线网络和有线网络的任意组合中的一个或多个,并且可以被配置为连接到系统100的任意一个组件。例如,客户端设备112、117可以被配置为经由网络120连接到服务器125。在一些示例中,网络120可以包括光纤网络、无源光学网络、有线网络、互联网网络、卫星网络、无线局域网(LAN)、全球移动通信系统、个人通信服务、个人区域网、无线应用协议、多媒体消息服务、增强型消息服务、短消息服务、基于时分复用的系统、基于码分多址的系统、D-AMPS、Wi-Fi、固定无线数据、IEEE 802.11b、802.15.1、802.11n和802.11g、蓝牙、NFC、射频识别(RFID)、Wi-Fi等中的一个或多个。
此外,网络120可以包括但不限于电话线、光纤、IEEE以太网902.3、广域网、无线个人区域网、LAN或诸如互联网之类的全球网络。此外,网络120可以支持互联网、无线通信网络、蜂窝网络等,或者它们的任意组合。网络120还可以包括一个网络,或者上面提及的任意数量的示例性类型的网络,作为独立的网络或者彼此协作地操作。网络120可以利用它们通信地被耦合到的一个或多个网元的一个或者多个协议。网络120可以转换成网络设备的一个或多个协议,或者从其他协议转换成网络设备的一个或多个协议。尽管网络120被描绘为单个网络,但是应当理解,根据一个或多个示例,网络120可以包括多个互连的网络,诸如例如互联网、服务提供商的网络、有线电视网络、诸如信用卡协会网络之类的公司网络以及家庭网络。
客户端设备112、117可经由一个或多个网络120与一个或多个服务器125进行通信,并且可以作为与服务器125的相应前端至后端对进行操作。客户端设备112、117可以例如从在其上执行的移动设备应用110、115向服务器125发送一个或多个请求。该一个或多个请求可以与从服务器125检索数据相关联。服务器125可以接收来自客户端设备112、117的一个或多个请求。基于来自客户端应用110、115的一个或多个请求,服务器125可以被配置为检索所请求的数据。服务器125可以被配置为将接收到的数据发送给客户端应用110、115,接收到的数据响应于一个或多个请求。
系统100可以包括一个或多个服务器125。在一些示例中,服务器125可以包括被耦合到存储器129的一个或多个处理器127。服务器125可以被配置为在不同时间控制和调用各种数据以执行多个工作流动作的中央系统、服务器或平台。服务器125可以被配置为连接到一个或多个客户端设备112、117。服务器125可以与客户端应用110、115进行数据通信。例如,服务器125可以经由一个或多个网络120与客户端应用110、115进行数据通信。
系统100可以包括一个或多个数据库130。数据库130可以包括关系数据库、非关系数据库或其他数据库实施方式,以及它们的包括多个关系数据库和非关系数据库的任意组合。在一些示例中,数据库130可以包括桌面数据库、移动数据库或内存数据库。此外,数据库130可以由设备112、117内部托管,或者数据库130可以诸如由服务器125、由基于云的平台外部托管到设备112、117,或者托管在与设备112、117进行数据通信的任意存储设备中。在一些示例中,数据库130可以与系统100的任意数量的组件进行数据通信。例如,服务器125可以被配置为从数据库130中检索由应用110、115发送的所请求的数据。服务器125可以被配置为经由网络120将接收到的数据从数据库130发送给客户端应用110、115,接收到的该数据响应于发送的一个或多个请求。在其他示例中,客户端应用110、115可以被配置为经由网络120从数据库130发送对所请求的数据的一个或多个请求。
在一些示例中,根据本文所描述的本公开的示例性过程可以由处理装置和/或计算装置(例如,计算机硬件装置)执行。这种处理/计算装置例如可以是计算机/处理器的全部或一部分,或者包括但不限于计算机/处理器,该计算机/处理器可以包括例如一个或多个微处理器,并且使用被存储在计算机可访问介质(例如,RAM、ROM、硬盘驱动器或其他存储设备)上的指令。例如,计算机可访问介质可以是客户端设备112、117和/或服务器125或其他计算机硬件装置的存储器的一部分。
在一些示例中,可以提供计算机可访问介质(例如,如上文所描述,诸如硬盘、软盘、记忆棒、CD-ROM、RAM、ROM等之类的存储设备或其集合)(例如,与处理装置进行通信)。计算机可访问介质可以包含其上的可执行指令。另外地或可替选地,存储装置可以与计算机可访问介质分开提供,该存储装置可以向处理装置提供指令,以便将处理装置配置为执行某些示例性过程、进程和方法,例如,如上所描述。
在一些示例中,发送设备105可以包括基于接触的卡。例如,该基于接触的卡可以被配置为在与设备建立连接之后发送链路以发起数据传送。该链路可以包括例如URL、IRL、URI或URN。非限制性地,该基于接触的卡可以被配置为与客户端设备112的读卡器(例如,芯片读取器或磁条读取器)建立物理接触。读卡器可以集成在客户端设备112的内部或外部。
在其他示例中,发送设备105可以包括非接触式卡。例如,非接触式卡可以被配置为在进入通信场之后,向第一应用110发送链路以发起数据传送。该链路可以包括例如URL、IRL、URI或URN。在一些示例中,非接触式卡可以经由从轻敲、轻刷、挥动或其任意组合的组中选择的一个或多个手势进入客户端设备112的通信场。
在一些示例中,可以基于移动网络运营商(MNO)查找来识别用户。在其他示例中,可以基于与之前的帐户登录相关联的一个或多个cookie来识别用户,例如,登录到与发送设备相关联的账户、与用户相关联的单独账户和/或其他账户。该链路可以包括近场通信数据交换格式统一资源定位符(NDEF URL),并且可以被配置为调用一个或多个动作或应用。在一个示例中,该链路可以被配置为调用网站,这可以包括使得在客户端设备112或另一设备上执行的浏览器或其他查看应用访问和显示网站和/或使得网站执行一个或多个动作(例如,显示或提交信息)。在另一示例中,该链路可以被配置为调用在客户端设备112或单独的设备上执行的应用。
该链路可以包括第一组信息和第二组信息。例如,第一组信息可以包括标识符信息。第一组信息可以包括在发送设备105进入通信场之后由处理器生成的抽象用户名。例如,可以以例如动态生成的URL的形式,为每笔交易生成抽象的标识信息。非限制性地,可以通过将唯一标识符与一个或多个变量(例如计数器、一个或多个密码算法和/或其任意组合)相组合来在卡上生成识别信息。例如,一个或多个密码算法可以包括诸如公钥或私钥加密之类的加密技术,该加密技术也将被诸如服务器125之类的服务器所知,用于认证。非限制性地,示例性对称密钥算法可以包括诸如DES、三重DES或AES之类的对称密钥加密。非限制性地,示例性非对称密钥算法可以包括非对称公钥加密、数字签名算法或RSA。例如,第二组信息可以包括用户信息,诸如持卡人信息(例如,账户所有者姓名、账号、失效日期、卡验证值)。第一应用110可以被配置为通过基于链路激活一个或多个动作来识别与第一设备112相关联的用户。该一个或多个动作可以被配置为请求确认与数据传送相关联的第三组信息。第三组信息可以包括从数量、数字资产和接收方信息的组中选择的至少一个。
在一些示例中,至少一个动作可以包括启动被配置为识别与第一设备112相关联的用户的网站。服务器125可以被配置为通过从第一设备112的一组设备指纹和被存储在第一设备112上的cookie的组中选择的至少一个来识别与第一设备112相关联的用户。非限制性地,设备指纹识别可以基于从第一设备112的设备配置、设备存储器、设备屏幕尺寸、设备操作系统版本、安装的应用、电话运营商提供商、网站的第三方cookie、通过移动网络运营商(MNO)查找的电话号码追踪、浏览器类型、浏览器语言、IP地址和/或其任意组合的组中选择的至少一个。网站可以被配置为在第一设备112上显示第二组信息和第三组信息。在成功地识别第一设备112的用户或所有者之后,网站可以被配置为加载包括第二组信息的预定信息。在一些示例中,该预定信息可以包括诸如持卡人信息之类的用户信息。在一些示例中,当发送设备105进入通信场时,该信息可以被嵌入NDEF URL中并经由NDEF URL传递。网站还可以被配置为允许指定数量,包括但不限于金额。网站还可以被配置为通过选择按钮来提交传送。此外,网站还可以被配置为调整数据传送的接收方和/或转让方。例如,数据传送的方向性可以被颠倒。在一些示例中,通过调整传输的方向性,诸如从转让方到接收方或者从接收方到转让方,可以生成诸如推送通知或电子邮件之类的对应的消息,以便指示对所需的传送反向性的确认。在一些示例中,该对应的消息可以由第一应用110和/或第二应用115显示。
第二应用115可以被配置为发送与第三组信息的认证和确认相关联的一个或多个响应,以完成数据传送。在一些示例中,第二应用115可以被配置为从第一应用110接收通知,该通知需要与第三组信息的确认相关联的一个或多个响应。第二应用115可以被配置为执行与第三组信息的确认相关联的一个或多个认证通信。例如,可以在验证了接收到的响应并且确认了与数据传送相关联的第三组信息之后,完成数据传送。在一些示例中,一个或多个认证通信可以包括从生物特征通信和登录通信的组中选择的至少一个。
在其他示例中,至少一个动作可以包括由第一应用110请求一个或多个登录凭证。第一应用110可以被配置为在提交所请求的一个或多个登录凭证时以及在认证一个或多个登录凭证时,深度链接到具有第二组信息和第三组信息的屏幕。举例来说,本文所描述的深度链接可以指NDEF URL被配置为链接到网站上的特定的、通常可搜索的或被索引的web内容部分,而不是网站的主页。第三组信息可以包括从数量、数字资产和接收方信息的组中选择的至少一个。在一些示例中,第二应用115可以被配置为接收通知,该通知要求与第三组信息的确认相关联的一个或多个响应。第二应用115可以被配置为执行与第三组信息的确认相关联的一个或多个认证通信。在一些示例中,一个或多个认证通信可以包括认证输入。示例性认证输入可以包括但不限于登录凭证、账户信息、安全信息、生物特征信息及其组合的输入(例如,输入用户名、密码、账号、安全码、一次性密码、安全问题的答案、指纹、面部扫描、视网膜扫描、语音识别,以及登录到与账户或发卡机构相关联的应用或网站)。
与发送设备105用户相关联的设备(诸如与持卡人相关联的第二设备117的第二应用115),可以被配置为接收通知,包括但不限于推送通知或电子邮件,该通知用作金额、数字资产和传送接收方的第二确认。为了确认数据传送,持卡人可以选择按钮来采取响应于所请求的认证通信的动作,诸如提供认证输入。在经由所接收的认证输入对登录进行认证之后,可以确认传送。以这种方式,在确认之后,点对点传送将用于经过认证的用户,因为传送是到已知的接收方。
在一些示例中,点对点传送可以包括发放信用。该信用可以符合一项或多项消费限制。例如,一项或多项消费限制可以包括时间限制、金额限制、地理限制、商家类型、商家限制和/或其任意组合。在一些示例中,信用的发放可以与一个或多个奖励和/或积分相关联。例如,如果在特定的时间(例如周末)在特定的商家(例如餐馆)使用信用,则可以发放奖励和/或积分,从并由此添加到用户奖励或忠诚度积分计划中。例如,奖励和/或积分可以针对转让方和受让方中的每一个进行调整,并且可以基于信用的兑换进行调整。例如,如果在特定的商家(例如餐馆)和/或在特定的时间(例如周末)使用信用,则可以发放奖励和/或积分,并由此添加到用户奖励或忠诚度积分计划中。当接收方或受让方使用信用时,转让方仍然可以累积奖励和/或积分。
在其他示例中,点对点传送可以包括一个或多个数字资产的传送。非限制性地,数字资产可以包括图像或文档。非限制性地,数字资产的格式类型可以包括从静态图像文件(例如JPEG、PNG、SVG)、静态文档文件(例如PDF、PSD)、动画文件(例如GIF、SWF)和web代码(例如HTML、CSS、JavaScript)的组中选择的至少一个。一个或多个数字资产可以被识别用于传送。例如,可以通过启动网站并上传所识别的用于传送的数字资产来安全地传输数字资产。在另一示例中,可以通过打开应用或启动电子邮件客户端来安全地传输数字资产,在该电子邮件客户端中,所识别的数字资产可以作为附件被包括。在另一示例中,数字资产可以被识别为统一资源定位符(URL)的一部分,该URL被发送用于检索所识别的数字资产。
在其他示例中,点对点传送可以包括诸如现金传送之类的资金传送。与同发放信用一样,资金传送可能受到一项或多项消费限制和/或一个或多个商家的限制。例如,资金传送可能受到基于时间限制、金额限制、地理限制、商家类型、商家限制和/或其任意组合的约束。在一些示例中,资金传送可以包括多个部分。例如,可以在资金传送的第二部分之前传输资金传送的第一部分。资金传送的任意部分都可以在预定的时间被传输,包括但不限于某天、某时间、某周、某月和/或其任意组合。以这种方式,资金传送可以被合计传输,直到满足整个资金传送为止。
在其他示例中,点对点传送可以包括虚拟礼品卡的发放。如同信用的发放一样,虚拟礼品卡可能受到一项或多项消费限制和/或一个或多个商家的限制。例如,虚拟礼品卡可能受到时间限制、金额限制、地理限制、商家类型、商家限制和/或其任意组合的限制。在一些示例中,点对点传送可以包括与虚拟礼品卡的各种金额相关联的多个部分。例如,可以在点对点传送的第二部分之前传输点对点传送的第一部分。传送的任意部分可以在预定的时间被传输,包括但不限于某天、某时间、某周、某月和/或其任意组合。
图2A示出了一个或多个发送设备200。发送设备200可以参考发送设备或非接触式卡105的相同或类似的组件,如以上关于图1所解释的。尽管图2A和2B示出了发送设备200的组件的单个实例,但可以使用任意数量的组件。
发送设备200可以配置为与系统100的一个或多个组件进行通信。发送设备200可以包括基于接触的卡或非接触式卡,其可以包括由显示在卡200的正面或背面上的服务提供商205发放的支付卡,诸如信用卡、借记卡或礼品卡。在一些示例中,非接触式卡200与支付卡无关,并且可以包括但不限于身份证、会员卡和交通卡。在一些示例中,支付卡可以包括双接口非接触式支付卡。非接触式卡200可以包括基板210,基板210可以包括由塑料、金属和其他材料构成的单层或一个或多个层压层。示例性的基板材料包括聚氯乙烯、聚氯乙烯醋酸酯、丙烯腈丁二烯苯乙烯、聚碳酸酯、聚酯、阳极化钛、钯、金、碳、纸和可生物降解的材料。在一些示例中,非接触式卡200可以具有符合ISO/IEC 7810标准的ID-1格式的物理特性,并且非接触式卡可以另外符合ISO/IEC 14443标准。然而,应当理解,根据本公开的非接触式卡200可以具有不同的特性,并且本公开不要求在支付卡中实现非接触式卡。
非接触式卡200还可以包括显示在卡的正面和/或背面的识别信息215以及接触垫220。接触垫220可以被配置为建立与另一通信设备的接触,该通信设备包括但不限于用户设备、智能电话、膝上型电脑、台式机或平板电脑。非接触式卡200还可以包括处理电路、天线和图2A中未示出的其他组件。这些组件可以位于接触垫220的后面或衬底210上的其它地方。非接触式卡200还可以包括磁条或磁带,其可以位于卡的背面(图2A中未示出)。
如图2B所示,图2A的接触垫220可以包括用于存储和处理信息的处理电路225,该处理电路225包括微处理器230和存储器235。应当理解,该处理电路225可以包含附加的组件,该附加的组件包括处理器、存储器、错误和奇偶校验/CRC校验器、数据编码器、防冲突算法、控制器、命令解码器、安全原语和防篡改硬件,如执行本文所述功能所需要的。
存储器235可以是只读存储器、一次写入多次读取存储器或读/写存储器,例如RAM、ROM和EEPROM,并且非接触式卡200可以包括这些存储器中的一个或多个。只读存储器可以是工厂可编程的只读存储器或一次性可编程存储器。一次性可编程性提供了一次写入然后多次读取的机会。一次写入/多次读取存储器可以在存储器芯片出厂后的某个时间点被编程。一旦对存储器进行了编程,它可能不会被重写,但是它可能会被多次读取。读/写存储器可能在出厂后被编程和重新编程多次。它也可以被读取多次。
存储器235可以被配置为存储一个或多个小程序240、一个或多个计数器245和客户标识符250。一个或多个小程序240可以包括被配置为在一个或多个非接触式卡(诸如Java卡小程序)上执行的一个或多个软件应用。然而,应当理解,小程序240不限于Java卡小程序,而是可以是可在非接触式卡或具有有限存储器的其他设备上操作的任何软件应用。一个或多个计数器245可以包括足以存储整数的数字计数器。客户标识符250可以包括分配给非接触式卡200的用户的唯一字母数字标识符,并且该标识符可以将非接触式卡的用户与其他非接触式卡用户区分开来。在一些示例中,客户标识符250可以识别客户和分配给该客户的账户,并且还可以识别与该客户的帐户相关联的非接触式卡。
参考接触垫描述了前述示例性实施例的处理器和存储器元件,但本公开不限于此。应当理解,这些元件可以在垫220之外实施,或者与垫220完全分离,或者作为除了位于接触垫220内的处理器230和存储器235元件之外的其他元件来实施。
在一些示例中,非接触式卡200可以包括一个或多个天线255。该一个或多个天线255可以被放置在非接触式卡200内并围绕接触垫220的处理电路225。例如,该一个或多个天线255可以与处理电路225集成在一起,并且该一个或多个天线255可与外部升压线圈一起使用。作为另一示例,该一个或多个天线255可以在接触垫220和处理电路225的外部。
在一个实施例中,非接触式卡200的线圈可以用作空心变压器的次级。终端可以通过切断电源或调幅来与非接触式卡200进行通信。非接触式卡200可以使用非接触式卡的电力连接中的间隙来推断从终端发送的数据,该电力连接可以通过一个或多个电容器来功能性地保持。非接触式卡200可以通过切换非接触式卡的线圈上的负载或负载调制来进行通信。负载调制可以通过干扰在终端的线圈中被检测到。
图3描述了对数据传送进行认证的方法300。图3可以参考系统100的相同或相似的组件以及图2A和图2B的发送设备200。
在框310处,方法300可以包括在发送设备的一个或多个处理器进入通信场后,向第一应用发送链路,该链路包括用于在第一设备上执行的指令,该链路被配置为发起数据传送,该链路包括近场通信数据交换格式统一资源定位符,该统一资源定位符包括标识符数据和持卡人数据。在一些示例中,链路的发送可以发生在动态生成链路之后。在一些示例中,发送设备可以经由从轻敲、轻刷、挥动或其任意组合的组中选择的一个或多个手势进入客户端设备的通信场。在一些示例中,可以基于移动网络运营商(MNO)查找来识别用户。在其他示例中,可以基于与之前的账户登录相关联的一个或多个cookie来识别用户,例如,登录到与发送设备相关联的账户、与用户相关联的单独账户和/或其他账户。
该链路可以包括近场通信数据交换格式统一资源定位符(NDEF URL)。该链路可以包括第一组信息和第二组信息。第一组信息可以包括标识符信息。例如,第一组信息可以包括在发送设备进入通信场之后由处理器生成的抽象用户名。例如,可以为每笔交易生成诸如动态生成的URL之类的抽象的识别信息。非限制性地,可以通过将唯一标识符与一个或多个变量(例如计数器、一个或多个密码算法和/或其任意组合)相结合来在卡上生成识别信息。例如,一个或多个密码算法可以包括诸如公钥或私钥加密之类的加密技术,该加密技术也将被用于认证的服务器所知。非限制性地,示例性对称密钥算法可以包括对称密钥加密(诸如DES、三重DES或AES)。非限制性地,示例性非对称密钥算法可以包括非对称公钥加密、数字签名算法或RSA。例如,第二组信息可以包括用户信息,诸如持卡人信息。在一些示例中,第二组信息可以包括持卡人信息(例如,账户所有者姓名、账号、失效日期、卡验证值)。
在框320处,方法300可以包括通过基于链路激活一个或多个动作来认证与第一设备相关联的用户。该一个或多个动作可以被配置为请求确认与数据传送相关联的第三组信息。该第三组信息可以包括从数量、数字资产和接收方信息的组中选择的至少一个。在一些示例中,至少一个动作可以包括启动被配置为识别与第一设备相关联的用户的网站。在其他示例中,至少一个动作可以包括由第一应用请求一个或多个登录凭证。
在框330处,方法300可以包括发送对与数据传送相关联的数量、数字资产和接收方数据的确认的一个或多个请求。例如,第一应用可以被配置为接收指示与框320的第三组信息相关联的点对点传送的数量(诸如金额、数字资产)和接收方数据(例如接收方)的确认的输入。
在框340处,方法300可以包括接收一个或多个通知,该通知基于对与数据传送相关联的数量、数字资产和接收方数据的确认的一个或多个请求。与发送设备用户相关联的设备(诸如与持卡人相关联的第二设备的第二应用),可以被配置为接收通知,包括但不限于推送通知或电子邮件,该通知用作金额、数字资产和传送接收方的第二确认。
在框350处,方法300可以包括执行响应于一个或多个通知的一个或多个登录凭证,以完成数据传送。例如,可以接收一个或多个认证输入来完成数据传送。该认证输入可以响应于一个或多个通知。为了确认数据传送,持卡人可以选择按钮来采取响应于一个或多个请求并基于一个或多个通知的动作,诸如仅包括认证输入的所请求的认证通信。示例性的认证输入可以包括但不限于登录凭证、账户信息、安全信息、生物特征信息及其组合的输入(例如,输入用户名、密码、账号、安全码、一次性密码、安全问题的答案、指纹、面部扫描、视网膜扫描、语音识别,以及登录到与账户或发卡机构相关联的应用或网站)。在经由接收到的认证输入对登录进行认证之后,可以确认传送。此外,数据传送的方向性可以被颠倒。在一些示例中,通过调整传送的方向性,例如从转让方到接收方或者从接收方到转让方,可以生成诸如推送通知或电子邮件之类的对应的消息,以指示对所需的传送反向性的确认。在一些示例中,该对应的消息可以由第一应用和/或第二应用显示。以这种方式,在确认之后,点对点传送将用于经过认证的用户,因为传送是到已知的接收方。
在一些示例中,点对点传送可以包括发放信用。该信用可以符合一项或多项消费限制。例如,一项或多项消费限制可以包括时间限制、金额限制、地理限制、商家类型、商家限制和/或其任意组合。
在一些示例中,点对点传送可以与一个或多个奖励和/或积分相关联。例如,奖励和/或积分可以针对转让方和受让方中的每一个进行调整,并且可以基于信用的兑换进行调整。例如,如果在特定的商家(例如餐馆)和/或在特定的时间(例如周末)使用信用,则可以发放奖励和/或积分,并由此添加到用户奖励或忠诚度积分计划中。当接收方或受让方使用信用时,转让方仍然可以累积奖励和/或积分。在一些示例中,点对点传送可以包括多个部分。例如,可以在点对点传送的第二部分之前传输点对点传送的第一部分。例如,第一部分可以包括一个或多个奖励,并且第二部分可以包括一个或多个积分。传送的任意部分可以在预定的时间被传输,包括但不限于某天、某时间、某周、某月和/或其任意组合。
在其他示例中,点对点传送可以包括一个或多个数字资产的传送。非限制性地,该数字资产可以包括图像或文档。非限制性地,该数字资产的格式类型可以包括从静态图像文件(诸如JPEG、PNG、SVG)、静态文档文件(诸如PDF、PSD)、动画文件(诸如GIF、SWF)和web代码(诸如HTML、CSS、JavaScript)的组中选择的至少一个。该一个或多个数字资产可以被识别用于传送。例如,可以通过启动网站并上传所识别的用于传送的数字资产来安全地传输数字资产。在另一示例中,可以通过打开应用或启动电子邮件客户端来安全地传输数字资产,在该电子邮件客户端中,所识别的数字资产可以作为附件被包括。在另一个示例中,数字资产可以是可以被识别为统一资源定位符(URL)的一部分的数字资产,该URL被发送用于检索所识别的数字资产。
在其他示例中,点对点传送可以包括诸如现金传送之类的资金传送。如同发放信用一样,资金传送可能受到一项或多项消费约束和/或一个或多个商家的限制。例如,资金传送可以受到基于时间限制、金额限制、地理限制、商家类型、商家限制和/或其任意组合的约束。在一些示例中,资金传送可以包括多个部分。例如,可以在资金传送的第二部分之前传输资金传送的第一部分。资金传送的任意部分都可以在预定的时间被传输,包括但不限于某天、某时间次、某周、某月和/或其任意组合。以这种方式,资金传送可以被合计传输,直到满足整个资金传送为止。
在其他示例中,点对点传送可以包括虚拟礼品卡的发放。如同信用的发放一样,虚拟礼品卡可以受到一项或多项消费约束和/或一个或多个商家的限制。例如,虚拟礼品卡可以受到时间限制、金额限制、地理限制、商家类型、商家限制和/或其任意组合。在一些示例中,点对点传送可以包括与虚拟礼品卡的各种金额相关联的多个部分。例如,可以在点对点传送的第二部分之前传输点对点传送的第一部分。传送的任意部分可以在预定的时间被传输,包括但不限于某天、某时间、某周、某月和/或其任意组合。
图4描绘了根据示例性实施例的对数据传送进行发起和认证的方法。图4可以参考系统100的相同或相似的组件、图2A和图2B的发送设备200以及图3的方法300。如图4所示,点对点传送可以通过卡进入用户设备的通信场并加载网站来发起。
在框405处,方法400可以包括卡进入用户设备的通信场,包括但不限于经由一个或多个手势,所述手势选自轻敲、轻刷、挥动或其任意组合。这种通信可以包括但不限于NFC。在框410处,方法400可以包括在卡进入用户设备的通信场之后,经由NDEF URL加载网站以识别用户设备的用户。在一些示例中,卡可以被配置为在进入框405的通信场之后,向一个或多个用户设备的客户端应用发送链路,以发起数据传送。在一些示例中,链路的发送可以发生在动态生成链路之后。在一些示例中,客户端应用可以与发送设备或卡的发放实体相关联。在其他示例中,客户端应用可以不与发送设备或卡的发放实体相关联。例如,客户端应用可以与第三方实体或发送设备或卡的发放实体外部的实体相关联。
在一些示例中,NDEF URL可以包括域名和标识符。例如,该链路可以包括抽象的识别信息,包括但不限于持卡人的账户或用户标识符,该标识信息在卡的个性化时被加载到芯片上。例如,URL可以在卡压印时被编码在NDEF文件中。可以为每笔交易生成抽象的识别信息,诸如动态生成的URL。非限制性地,可以通过将唯一标识符与一个或多个变量(例如计数器、一个或多个密码算法和/或其任意组合)相结合来在卡上生成识别信息。例如,一个或多个密码算法可以包括诸如公钥或私钥加密之类的加密技术,该加密技术也将被用于认证的服务器所知。非限制性地,示例性对称密钥算法可以包括对称密钥加密(诸如DES、三重DES或AES)。非限制性地,示例性非对称密钥算法可以包括非对称公钥加密、数字签名算法或RSA。
在框415处,方法400可以包括经由设备指纹来识别用户,并且可以基于但不限于从设备配置、设备存储器、设备屏幕尺寸、设备操作系统版本、安装的应用、电话运营商提供商、网站的第三方cookie、通过MNO查找的电话号码追踪、浏览器类型、浏览器语言、IP地址和/或设备的其任意组合的组中选择的至少一个。
在框420处,该方法可以包括,如果网站无法经由cookie或设备指纹来识别用户,则提示用户登录以识别用户。例如,如果网站不能经由从操作系统、浏览器类型、浏览器语言、IP地址的组中选择的至少一个成功地识别用户,则用户可以接收由服务器生成的指示不成功通知的通知,和/或可以由应用提示输入登录信息以便成功地识别用户,并且响应于不成功通知。
在框425处,方法400可以包括在识别用户后加载预定信息。在一些示例中,预定信息可以是与持卡人相关联的任意信息,该信息已经被填写或者以其他方式经由直接嵌入在NDEF URL中而在网站上提供。网站还可以被配置为通过选择按钮来提交传送。此外,网站还可以被配置为调整数据传送的接收方和/或转让方。例如,数据传送的方向性可以被颠倒。在一些示例中,通过调整传送的方向性,例如从转让方到接收方或者从接收方到转让方,可以生成诸如推送通知或电子邮件之类的对应的消息,以便指示对所需的传送反向性的确认。在一些示例中,该对应的消息可以由第一应用和/或第二应用来显示。
在框430处,方法400可以包括在传送提交之前输入点对点传送的金额和接收方数据。在框435处,方法400可以包括接收电子邮件或推送通知以确认点对点传送。例如,持卡人可以与用户设备相关联。用户设备的应用可以被配置为接收通知。在框440处,响应于接收到通知,可以打开或显示通知,以便提示登录或请求生物特征输入来验证用户发起了传送。在一些示例中,该提示可以包括对一个或多个认证输入的请求。例如,示例性认证输入可以包括但不限于登录凭证、账户信息、安全信息、生物特征信息及其组合的输入(例如,输入用户名、密码、账号、安全码、一次性密码、安全问题的答案、指纹、面部扫描、视网膜扫描、语音识别,以及登录到与账户或发卡机构相关联的应用或网站)。
在框445处,在验证一个或多个认证输入后,可以调度持卡人和第二用户之间的点对点传送。在一些示例中,点对点传送可以在预定时间被调度,诸如预定的某天、某时间、某星期、某月和/或某年。在其他示例中,点对点传送可以被即时调度。以这种方式,点对点传送可以被调度或放置在交易队列中,而不必识别个人以及下载和注册不同的应用。此外,数据传送的方向可以被颠倒。在一些示例中,通过调整传送的方向性,例如从转让方到接收方或者从接收方到转让方,可以生成诸如推送通知或电子邮件之类的对应的消息,以便指示对所需的传送反向性的确认。在一些示例中,该对应的消息可以由第一应用和/或第二应用来显示。以这种方式,在确认之后,点对点传送将用于经过认证的用户,因为传送是到已知的接收方。
在一些示例中,点对点传送可以包括发放信用。该信用可以符合一项或多项消费限制。例如,一项或多项消费限制可以包括时间限制、金额限制、地理限制、商家类型、商家限制和/或其任意组合。在一些示例中,信用的发放可以与一个或多个奖励和/或积分相关联。例如,如果在特定的时间(例如周末)在特定的商家(例如餐馆)使用信用,则可以发放奖励和/或积分,并由此添加到用户奖励或忠诚度积分计划中。例如,奖励和/或积分可以针对转让方和受让方中的每一个进行调整,并且可以基于信用的兑换进行调整。例如,如果在特定的商家(例如餐馆)和/或在特定的时间(例如周末)使用信用,则可以发放奖励和/或积分,并由此添加到用户奖励或忠诚度积分计划中。当接收方或受让方使用信用时,转让方仍然可以累积奖励和/或积分。
在其他示例中,点对点传送可以包括一个或多个数字资产的传送。非限制性地,数字资产可以包括图像或文档。非限制性地,数字资产的格式类型可以包括从静态图像文件(诸如JPEG、PNG、SVG)、静态文档文件(诸如PDF、PSD)、动画文件(诸如GIF、SWF)和web代码(诸如HTML、CSS、JavaScript)的组中选择的至少一个。一个或多个数字资产可以被识别用于传送。例如,可以通过启动网站并上传所识别的用于传送的数字资产来安全地传输数字资产。在另一示例中,可以通过打开应用或启动电子邮件客户端来安全地传输数字资产,在该电子邮件客户端中,所识别的数字资产可以作为附件被包括。在另一个示例中,数字资产可以被识别为统一资源定位符(URL)的一部分的数字资产,该URL被发送用于检索所识别的数字资产。
在其他示例中,点对点传送可以包括诸如现金传送之类的资金传送。如同发放信用一样,资金传送可以受到一项或多项消费约束和/或一个或多个商家的限制。例如,资金传送可以受到基于时间限制、金额限制、地理限制、商家类型、商家限制和/或其任意组合的约束。在一些示例中,资金传送可以包括多个部分。例如,可以在资金传送的第二部分之前传输资金传送的第一部分。资金传送的任意部分都可以在预定的时间被传输,包括但不限于某天、某时间、某周、某月和/或其任意组合。以这种方式,资金传送可以被合计传输,直到满足整个资金传送为止。
在其他示例中,点对点传送可以包括虚拟礼品卡的发放。如同信用的发放一样,虚拟礼品卡可以受到一项或多项消费约束和/或一个或多个商家的限制。例如,虚拟礼品卡可以受到时间限制、金额限制、地理限制、商家类型、商家限制和/或其任意组合的约束。在一些示例中,点对点传送可以包括与虚拟礼品卡的各种金额相关联的多个部分。例如,可以在点对点传送的第二部分之前传输点对点传送的第一部分。传送的任意部分可以在预定的时间被传输,包括但不限于某天、一次、一周、一个月和/或其任意组合。
图5描绘了根据示例性实施例对数据传送进行发起和认证的另一种方法。图5可以参考系统100的相同或相似的组件、图2A和图2B的发送设备200、图3的方法300和图4的方法400。如图5所示,点对点传送可以由卡进入到用户设备的通信场并深度链接到应用中来发起。
在框505处,该方法可以包括卡进入用户设备的通信场,包括但不限于经由一个或多个手势,所述手势选自轻敲、轻刷、挥动或其任意组合的组。这种通信可以包括但不限于近场通信(NFC)。在框510处,该方法可以包括在卡进入用户设备的通信场之后,经由近场通信数据交换格式(NDEF URL)启动用户设备的应用。在一些示例中,NDEF URL的发送可以发生在动态生成NDEF URL之后。在一些示例中,应用可以与发送设备的发放实体相关联。在其他示例中,应用可以不与发送设备的发放实体相关联。例如,该应用可以与第三方实体或发送设备的发放实体外部的实体相关联。在框515处,该方法可以包括应用到包括预定信息的点对点传送屏幕的深度链接。在一些示例中,预定信息可以是与持卡人相关联的任意信息,该信息已经被填写或者经由直接嵌入到NDEF URL中。在一些示例中,该应用可以被配置为在深度链接之前提示用户登录。在其他示例中,该应用可以被配置为在深度链接之后提示用户登录。在一些示例中,深度链接之前的登录可以与深度链接之后所需的登录相同或不同。此外,示例性的认证输入可以包括但不限于登录凭证、账户信息、安全信息、生物特征信息及其组合的输入(例如,输入用户名、密码、账号、安全码、一次性密码、安全问题的答案、指纹、面部扫描、视网膜扫描、语音识别,以及登录到与账户或发卡机构相关联的应用或网站)。在框520处,该方法可以包括在提交传送之前输入点对点传送的金额和接收方数据。在框525处,该方法可以包括接收电子邮件或推送通知以确认点对点传送。例如,持卡人可以与用户设备相关联。用户设备或其应用可以被配置为接收通知。在框530处,响应于接收到通知,可以打开或显示通知,以便提示认证输入来验证用户发起了传送。在框535处,在验证之后,可以调度持卡人和第二用户之间的点对点传送。在一些示例中,该点对点传送可以在预定时间被调度,诸如预定的某天、某时间、某星期、某月和/或某年。在其他示例中,点对点传送可以被即时调度。以这种方式,点对点传送可以被调度或放置在交易队列中,而不必识别个人以及下载和注册不同的应用。此外,数据传送的方向可以被颠倒。在一些示例中,通过调整传送的方向性,例如从转让方到接收方或者从接收方到转让方,可以生成诸如推送通知或电子邮件之类的对应的消息,以便指示对所需的传送反向性的确认。在一些示例中,该对应的消息可以由第一应用和/或第二应用来显示。以这种方式,在确认之后,点对点传送将用于经过认证的用户,因为传送是到已知的接收方。
在一些示例中,点对点传送可以包括发放信用。该信用可以符合一项或多项消费限制。例如,一项或多项消费限制可以包括时间限制、金额限制、地理限制、商家类型、商家限制和/或其任意组合。在一些示例中,信用的发放可以与一个或多个奖励和/或积分相关联。例如,如果在特定的时间(例如周末)在特定的商家(例如餐馆)使用信用,则可以发放奖励和/或积分,并由此添加到用户奖励或忠诚度积分计划中。例如,奖励和/或积分可以针对转让方和受让方中的每一个进行调整,并且可以基于信用的兑换进行调整。例如,如果在特定的商家(例如餐馆)和/或在特定的时间(例如周末)使用信用,则可以发放奖励和/或积分,并由此添加到用户奖励或忠诚度积分计划中。当接收方或受让方使用信用时,转让方仍然可以累积奖励和/或积分。
在其他示例中,点对点传送可以包括一个或多个数字资产的传送。非限制性地,数字资产可以包括图像或文档。非限制性地,数字资产的格式类型可以包括从静态图像文件(诸如JPEG、PNG、SVG)、静态文档文件(诸如PDF、PSD)、动画文件(诸如GIF、SWF)和web代码(诸如HTML、CSS、JavaScript)的组中选择的至少一个。一个或多个数字资产可以被识别用于传送。例如,可以通过启动网站并上传所识别的用于传送的数字资产来安全地传输数字资产。在另一示例中,可以通过打开应用或启动电子邮件客户端来安全地传输数字资产,在该电子邮件客户端中,所识别的数字资产可以作为附件被包括。在另一个示例中,数字资产可以被识别为统一资源定位符(URL)的一部分的数字资产,该URL被发送用于检索所识别的数字资产。
在其他示例中,点对点传送可以包括诸如现金传送之类的资金传送。如同发放信用一样,资金传送可以受到一项或多项消费约束和/或一个或多个商家的限制。例如,资金传送可以受到基于时间限制、金额限制、地理限制、商家类型、商家限制和/或其任意组合的约束。在一些示例中,资金传送可以包括多个部分。例如,可以在资金传送的第二部分之前传输资金传送的第一部分。资金传送的任意部分都可以在预定的时间被传输,包括但不限于某天、某时间、某周、某月和/或其任意组合。以这种方式,资金传送可以被合计传输,直到满足整个资金传送为止。
在其他示例中,点对点传送可以包括虚拟礼品卡的发放。如同信用的发放一样,虚拟礼品卡可以受到一项或多项消费约束和/或一个或多个商家的限制。例如,虚拟礼品卡可以受到时间限制、金额限制、地理限制、商家类型、商家限制和/或其任意组合的约束。在一些示例中,点对点传送可以包括与虚拟礼品卡的各种金额相关联的多个部分。例如,可以在点对点传送的第二部分之前传输点对点传送的第一部分。传送的任意部分可以在预定的时间被传输,包括但不限于某天、某时间、某周、某个月和/或其任意组合。
在本说明书中,提及资源定位符的类型,诸如URL、NDEF URL、IRL、URI和URN。然而,应当理解,这些提及是示例性的,并且本公开包括但不限于所提及的资源定位符的类型。
还应注意,本文所述的系统和方法可有形地体现在一种或多种物理介质中,诸如但不限于光盘(CD)、数字多功能光盘(DVD)、软盘、硬盘、只读存储器(ROM)、随机存取存储器(RAM)以及其他能够存储数据的物理介质。例如,数据存储装置可以包括随机存取存储器(RAM)和只读存储器(ROM),它们可以被配置为访问和存储数据和信息以及计算机程序指令。数据存储装置还可以包括存储介质或其他合适类型的存储器(例如,诸如例如RAM、ROM、可编程只读存储器(PROM)、可擦除可编程只读存储器(EPROM)、电可擦除可编程只读存储器(EEPROM)、磁盘、光盘、软盘、硬盘、可移动盒式磁带、闪存驱动器、任意类型的有形和非瞬态存储介质),其中可以存储包括操作系统的文件、包括例如web浏览器应用、电子邮件应用和/或其他应用的应用程序以及数据文件。网络使能计算机系统的数据存储可以包括以各种方式存储的电子信息、文件和文档,包括例如平面文件、索引文件、分层数据库、关系数据库,诸如用来自例如公司的软件创建和维护的数据库、/>Excel文件、Access文件、固态存储设备(其可以包括闪存阵列、混合阵列或服务器端产品)、企业存储(其可以包括在线存储或云存储)或任何其他存储机制。此外,附图分别示出了各种组件(例如,服务器、计算机、处理器等)。被描述为在各种组件处执行的功能可以在其他组件处执行,并且各种组件可以被组合或分离。也可以进行其他修改。
在前面的说明书中,已经参考附图描述了各种实施例。然而,显而易见的是,可以对其进行各种修改和改变,并且可以实施附加的实施例,而不偏离如在随后的权利要求中所阐述的本公开的更广泛的范围。因此,说明书和图纸应被视为说明性的,而不是限制性的。
Claims (20)
1.一种经认证的数据传送系统,包括:
非接触式卡,包括处理器和存储器,
其中,在进入通信场之后,所述处理器被配置为:
动态地生成统一资源定位符(URL),其中,所述URL包括:
第一组信息,包括抽象标识符信息,和
第二组信息,包括用户信息;以及
发送所述URL以发起数据传送;并且
其中,所述数据传送在验证了接收到的响应并且确认了与所述数据传送相关联的第三组信息时完成。
2.根据权利要求1所述的经认证的数据传送系统,其中,一个或多个动作基于链路被配置为识别用户。
3.根据权利要求2所述的经认证的数据传送系统,其中,所述一个或多个动作中的至少一个动作包括启动被配置为识别与第一设备相关联的用户的网站。
4.根据权利要求3所述的经认证的数据传送系统,其中,与所述第一设备相关联的所述用户通过从设备指纹和cookie的组中选择的至少一个来识别。
5.根据权利要求4所述的经认证的数据传送系统,其中,在确定不成功的识别时请求登录信息。
6.根据权利要求4所述的经认证的数据传送系统,其中,所述网站被配置为显示所述第二组信息和所述第三组信息。
7.根据权利要求6所述的经认证的数据传送系统,其中,通知包括与所述第三组信息的确认相关联的所述一个或多个响应。
8.根据权利要求7所述的经认证的数据传送系统,其中,执行与所述第三组信息的确认相关联的一个或多个认证通信,所述一个或多个认证通信包括从所述生物特征通信和登录通信的组中选择的至少一个。
9.根据权利要求1所述的经认证的数据传送系统,其中,所述第一组信息包括在所述非接触式卡进入所述通信场之后由所述处理器生成的抽象用户名。
10.根据权利要求1所述的经认证的数据传送系统,其中,链路包括近场通信数据交换格式统一资源定位符。
11.根据权利要求3所述的经认证的数据传送系统,其中,所述第一设备包括从移动设备、可穿戴设备和自动服务终端的组中选择的至少一个。
12.根据权利要求2所述的经认证的数据传送系统,其中,所述一个或多个动作中的至少一个动作包括请求一个或多个登录凭证。
13.根据权利要求12所述的经认证的数据传送系统,其中,在提交所请求的一个或多个登录凭证时以及在认证所述一个或多个登录凭证时,执行到包括第二组信息和第三组信息的屏幕的深度链接。
14.根据权利要求1所述的经认证的数据传送系统,其中,所述第三组信息包括从数量、数字资产和接收方信息的组中选择的至少一个。
15.根据权利要求14所述的经认证的数据传送系统,其中,通知包括与所述第三组信息的确认相关联的所述一个或多个响应。
16.根据权利要求15所述的经认证的数据传送系统,其中,执行与所述第三组信息的确认相关联的一个或多个认证通信,所述一个或多个认证通信包括从生物特征通信和登录通信的组中选择的至少一个。
17.根据权利要求1所述的经认证的数据传送系统,其中,所述数据传送在预定时间被调度。
18.一种对数据传送进行认证的方法,包括:
在发送设备的一个或多个处理器进入通信场之后,动态地生成链路,所述链路包括近场通信数据交换格式统一资源定位符,所述近场通信数据交换格式统一资源定位符包括标识符数据和用户数据;
向包括用于在第一设备上执行的指令的第一应用发送所述链路,以发起数据传送;
通过基于所述链路激活一个或多个动作来认证与所述第一设备相关联的用户;
发送对与所述数据传送相关联的数量和接收方数据的确认的一个或多个请求;
接收一个或多个通知,所述一个或多个通知基于对与所述数据传送相关联的数量和接收方数据的确认的所述一个或多个请求;以及
执行响应于所述一个或多个通知的一个或多个登录凭证,以便完成所述数据传送。
19.根据权利要求18所述的方法,其中,所述一个或多个动作中的至少一个动作包括启动被配置为识别与所述第一设备相关联的用户的网站。
20.一种包括计算机可执行指令的计算机可读非瞬态介质,当由处理器执行时,所述指令执行包括以下步骤的过程:
在非接触式卡进入通信场之后,动态地生成链路,所述链路包括第一组信息和第二组信息,所述第一组信息包括标识符信息,所述第二组信息包括用户信息;
向包括用于在第一设备上执行的指令的第一应用发送所述链路,以发起数据传送;
通过基于所述链路激活一个或多个动作来识别与所述第一设备相关联的用户,所述一个或多个动作被配置为请求确认与所述数据传送相关联的第三组信息;以及
基于对所述第三组信息的认证来发送一个或多个响应,以便完成所述数据传送。
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