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 multifactorInfo
- 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
Links
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
- G06Q20/38—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; 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
-
- 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
- G06Q20/30—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; 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
- G06Q20/30—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; 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
-
- 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
- G06Q20/3823—Payment protocols; Details thereof insuring higher security of transaction combining multiple encryption tools for a transaction
-
- 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
- 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; 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
-
- 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)
Abstract
Un sistema para autorizar transacciones electrónicas usando una forma de token físico que posee las credenciales del titular de una cuenta, en donde el sistema transmite un mensaje de verificación a un terminal donde este terminal es diferente al terminal donde se realiza la transacción electrónica, y mediante esta combinación el sistema verificará que la transacción se realice por el propietario autorizado del token utilizado.
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 (es) |
EP (1) | EP3335371A4 (es) |
JP (1) | JP2018533144A (es) |
KR (1) | KR102658597B1 (es) |
CN (1) | CN108352987A (es) |
AU (1) | AU2016304860A1 (es) |
BR (1) | BR112018002841A8 (es) |
CA (1) | CA2995379C (es) |
CO (1) | CO2018002528A2 (es) |
MX (1) | MX2018001763A (es) |
WO (1) | WO2017027580A1 (es) |
Families Citing this family (2)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
KR20220005645A (ko) * | 2019-06-04 | 2022-01-13 | 디지털 에셋 (스위츠랜드) 게엠베하 | 다중 사용자 데이터베이스 시스템 및 방법 |
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 |
Family Cites Families (17)
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 |
EP2667345A3 (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 |
CA2701055C (en) * | 2007-10-19 | 2016-10-04 | 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 |
RU2595885C2 (ru) * | 2010-09-24 | 2016-08-27 | Виза Интернэшнл Сервис Ассосиэйшн | Способ и система, использующие универсальный идентификатор и биометрические данные |
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 |
-
2016
- 2016-08-10 WO PCT/US2016/046332 patent/WO2017027580A1/en active Application Filing
- 2016-08-10 BR BR112018002841A patent/BR112018002841A8/pt unknown
- 2016-08-10 MX MX2018001763A patent/MX2018001763A/es unknown
- 2016-08-10 KR KR1020187006776A patent/KR102658597B1/ko active IP Right Grant
- 2016-08-10 CN CN201680057390.3A patent/CN108352987A/zh active Pending
- 2016-08-10 JP JP2018527839A patent/JP2018533144A/ja active Pending
- 2016-08-10 CA CA2995379A patent/CA2995379C/en active Active
- 2016-08-10 US US15/751,584 patent/US11328299B2/en active Active
- 2016-08-10 EP EP16835828.1A patent/EP3335371A4/en active Pending
- 2016-08-10 AU AU2016304860A patent/AU2016304860A1/en not_active Abandoned
-
2018
- 2018-03-09 CO CONC2018/0002528A patent/CO2018002528A2/es unknown
Also Published As
Publication number | Publication date |
---|---|
EP3335371A1 (en) | 2018-06-20 |
JP2018533144A (ja) | 2018-11-08 |
KR102658597B1 (ko) | 2024-04-17 |
BR112018002841A8 (pt) | 2020-11-17 |
EP3335371A4 (en) | 2019-02-06 |
BR112018002841A2 (pt) | 2019-04-30 |
CA2995379A1 (en) | 2017-02-16 |
AU2016304860A1 (en) | 2018-03-29 |
KR20180073550A (ko) | 2018-07-02 |
CN108352987A (zh) | 2018-07-31 |
WO2017027580A1 (en) | 2017-02-16 |
US11328299B2 (en) | 2022-05-10 |
CA2995379C (en) | 2023-11-14 |
MX2018001763A (es) | 2019-01-31 |
US20180240121A1 (en) | 2018-08-23 |
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