CO2018002528A2 - Método y sistema para la autorización de transacciones basado en un canal autónomo paralelo multiusuario y autenticación multifactor - Google Patents

Método y sistema para la autorización de transacciones basado en un canal autónomo paralelo multiusuario y autenticación multifactor

Info

Publication number
CO2018002528A2
CO2018002528A2 CONC2018/0002528A CO2018002528A CO2018002528A2 CO 2018002528 A2 CO2018002528 A2 CO 2018002528A2 CO 2018002528 A CO2018002528 A CO 2018002528A CO 2018002528 A2 CO2018002528 A2 CO 2018002528A2
Authority
CO
Colombia
Prior art keywords
factor authentication
transaction authorization
authorization based
autonomous channel
user parallel
Prior art date
Application number
CONC2018/0002528A
Other languages
English (en)
Spanish (es)
Inventor
Thomas Szoke
Maxim Umarov
Original Assignee
Ipsidy 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 Ipsidy Inc filed Critical Ipsidy Inc
Publication of CO2018002528A2 publication Critical patent/CO2018002528A2/es

Links

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)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (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)
CONC2018/0002528A 2015-08-10 2018-03-09 Método y sistema para la autorización de transacciones basado en un canal autónomo paralelo multiusuario y autenticación multifactor CO2018002528A2 (es)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US201562203024P 2015-08-10 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
CO2018002528A2 true CO2018002528A2 (es) 2018-07-19

Family

ID=57983625

Family Applications (1)

Application Number Title Priority Date Filing Date
CONC2018/0002528A CO2018002528A2 (es) 2015-08-10 2018-03-09 Método y sistema para la autorización de transacciones basado en un canal autónomo paralelo multiusuario y autenticación multifactor

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
AU2019449803A1 (en) * 2019-06-04 2022-01-20 Digital Asset (Switzerland) GmbH Multi-user database system and method
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

Family Cites Families (17)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
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
US7349871B2 (en) 2002-08-08 2008-03-25 Fujitsu Limited Methods for purchasing of goods and services
US7264154B2 (en) * 2004-07-12 2007-09-04 Harris David N System and method for securing a credit account
US20060173776A1 (en) * 2005-01-28 2006-08-03 Barry Shalley A Method of Authentication
US8996423B2 (en) * 2005-04-19 2015-03-31 Microsoft Corporation Authentication for a commercial transaction using a mobile module
EP2667344A3 (en) * 2005-10-06 2014-08-27 C-Sam, Inc. Transactional services
US7783564B2 (en) * 2006-07-25 2010-08-24 Visa U.S.A. Inc. Compliance control in a card based program
WO2009049412A1 (en) 2007-10-19 2009-04-23 Memory Experts International Inc. Method of providing assured transactions using secure transaction appliance and watermark verification
US8380177B2 (en) 2010-04-09 2013-02-19 Paydiant, Inc. Mobile phone payment processing methods and systems
WO2012040635A2 (en) * 2010-09-24 2012-03-29 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

Also Published As

Publication number Publication date
CA2995379C (en) 2023-11-14
EP3335371A4 (en) 2019-02-06
KR102658597B1 (ko) 2024-04-17
WO2017027580A1 (en) 2017-02-16
CN108352987A (zh) 2018-07-31
EP3335371A1 (en) 2018-06-20
US20180240121A1 (en) 2018-08-23
MX2018001763A (es) 2019-01-31
US11328299B2 (en) 2022-05-10
KR20180073550A (ko) 2018-07-02
JP2018533144A (ja) 2018-11-08
AU2016304860A1 (en) 2018-03-29
BR112018002841A2 (pt) 2019-04-30
BR112018002841A8 (pt) 2020-11-17
CA2995379A1 (en) 2017-02-16

Similar Documents

Publication Publication Date Title
CO2018002528A2 (es) Método y sistema para la autorización de transacciones basado en un canal autónomo paralelo multiusuario y autenticación multifactor
CY1122570T1 (el) Ταυτοποιηση και επαληθευση ταυτοτητας συσκευων στο νεφος
EP3685335A4 (en) TRANSACTION AUTHORIZATION AND VALIDATION TOKEN GENERATION SYSTEM AND PROCESS
SG11202008451RA (en) Secure remote token release with online authentication
SG11202005964QA (en) Identity verification methods, systems, apparatuses, and devices
MX2016014461A (es) Aprovisionamiento de licencias de gestion de derechos digitales (drm) en un dispositivo cliente que utiliza un servidor de actualizaciones.
MX2017008651A (es) Metodo y aparato de aseguramiento de aplicacion movil.
ZA201901506B (en) User identity verification method, apparatus and system
DK3381172T3 (da) Fremgangsmåde og system til at fordele kryptografisk nøglefrembringelse og -lagring ved hjælp af elliptisk kurvekryptografi
PL3350953T3 (pl) Przekazywanie kluczy szyfrujących walutę cyfrową poprzez proces wydawania, zatwierdzania i dewaluacji nośnika fizycznego z autoryzacją wieloskładnikową, oraz nośnik fizyczny kluczy szyfrujących dla waluty cyfrowej do realizacji tej technologii przekazywania
WO2016140724A3 (en) Short-duration digital certificate issuance based on long-duration digital certificate validation
MX2021012334A (es) Sistema y metodo para autenticar una conexion entre un dispositivo de usuario y un vehiculo.
MX2016005792A (es) Sistema, metodo y aparato de verificacion de pagos.
CU20160108A7 (es) Sistema y método para comunicar credenciales
MX373229B (es) Aceleración de la verificación del estado de un certificado en línea con un servicio de sugerencias de internet.
SG11201706770UA (en) Methods, apparatus, and systems for identity authentication
MX2018012712A (es) Rotacion de las normas de autorizacion en la memoria del sistema de autorizacion.
DK3200378T3 (da) Trådløst kommunikationssystem og fremgangsmåde til toge og andre køretøjer, som anvender basestationer ved sporet.
MX2018003170A (es) Verificacion de transacciones de pago.
EA201590133A1 (ru) Система и способ для мобильного приложения
ZA201607929B (en) Online payment authentication method & system
MX2018005631A (es) Autorizacion de transaccion.
CL2018001102A1 (es) Sistema y método de autenticación y encriptación a prueba de intercepciones
PH12017500539A1 (en) Authentication system and method
AR106437A1 (es) Método y aparato para autorizar la recepción de programas de medios en un receptor secundario en base a la recepción del programa de medios por un receptor principal