EA201391169A1 - Способ авторизации транзакции - Google Patents

Способ авторизации транзакции

Info

Publication number
EA201391169A1
EA201391169A1 EA201391169A EA201391169A EA201391169A1 EA 201391169 A1 EA201391169 A1 EA 201391169A1 EA 201391169 A EA201391169 A EA 201391169A EA 201391169 A EA201391169 A EA 201391169A EA 201391169 A1 EA201391169 A1 EA 201391169A1
Authority
EA
Eurasian Patent Office
Prior art keywords
server
transaction
terminal
specified
user
Prior art date
Application number
EA201391169A
Other languages
English (en)
Inventor
Жан-Мишель Ван Липпевельд
Original Assignee
Монниз Сарл
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 Монниз Сарл filed Critical Монниз Сарл
Publication of EA201391169A1 publication Critical patent/EA201391169A1/ru

Links

Classifications

    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
    • H04L63/083—Network architectures or network communication protocols for network security for authentication of entities using passwords
    • H04L63/0838—Network architectures or network communication protocols for network security for authentication of entities using passwords using one-time-passwords
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06F21/42—User authentication using separate channels for security data
    • 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
    • G06Q20/08—Payment architectures
    • 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
    • G06Q20/22—Payment schemes or models
    • G06Q20/223—Payment schemes or models based on the use of peer-to-peer networks
    • 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
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
    • G06Q20/3255—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks using mobile network messaging services for payment, e.g. SMS
    • 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

Landscapes

  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Theoretical Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • Computer Security & Cryptography (AREA)
  • General Business, Economics & Management (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Finance (AREA)
  • Computer Hardware Design (AREA)
  • General Engineering & Computer Science (AREA)
  • Computing Systems (AREA)
  • Signal Processing (AREA)
  • Software Systems (AREA)
  • Telephonic Communication Services (AREA)
  • Mobile Radio Communication Systems (AREA)

Abstract

Изобретение относится к способу авторизации транзакции между пользователем и терминалом с использованием телефонной связи, который содержит следующие этапы: ввод в терминал данных, относящихся к транзакции, причем указанные данные содержат номер телефона пользователя; отправка данных, относящихся к транзакции, вместе с идентификационным номером (ID), соответствующим указанному терминалу, с терминала на первый сервер, с открытием тем самым сеанса транзакции; отправка первым сервером обратно на терминал случайного одноразового пароля; отправка первым сервером запроса на второй сервер, причем указанный запрос содержит данные транзакции, причем указанный второй сервер содержит шлюз доступа к телефонной сети; вызов вторым сервером телефона пользователя с открытием тем самым канала мгновенной звуковой связи и сообщение данных транзакции по указанному каналу мгновенной звуковой связи; сообщение пользователем одноразового пароля (ОП) второму серверу по указанному каналу мгновенной звуковой связи; отправка вторым сервером ОП, сообщенного пользователем, на первый сервер; причем первый сервер авторизует транзакцию, если отправленный вторым сервером ОП соответствует ОП, отправленному на терминал, и первый сервер сообщает терминалу результат транзакции и закрывает сеанс транзакции.
EA201391169A 2011-02-15 2012-02-14 Способ авторизации транзакции EA201391169A1 (ru)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
EP11154530A EP2490165A1 (en) 2011-02-15 2011-02-15 Method for authorising a transaction
PCT/EP2012/052495 WO2012110499A1 (en) 2011-02-15 2012-02-14 Method for authorising a transaction

Publications (1)

Publication Number Publication Date
EA201391169A1 true EA201391169A1 (ru) 2014-02-28

Family

ID=43971013

Family Applications (1)

Application Number Title Priority Date Filing Date
EA201391169A EA201391169A1 (ru) 2011-02-15 2012-02-14 Способ авторизации транзакции

Country Status (3)

Country Link
EP (1) EP2490165A1 (ru)
EA (1) EA201391169A1 (ru)
WO (1) WO2012110499A1 (ru)

Families Citing this family (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20140263622A1 (en) * 2013-03-14 2014-09-18 Blitzpay, Inc. Methods and systems for authenticating a transaction with the use of a portable electronic device
US9038195B2 (en) 2013-03-15 2015-05-19 Google Technology Holdings LLC Accessing a cloud-based service using a communication device linked to another communication device via a peer-to-peer ad hoc communication link

Family Cites Families (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
DE19718103A1 (de) * 1997-04-29 1998-06-04 Kim Schmitz Verfahren zur Autorisierung in Datenübertragungssystemen
EP1065634A1 (en) * 1999-07-02 2001-01-03 Mic Systems System and method for performing secure electronic transactions over an open communication network
DE10045924A1 (de) * 2000-09-14 2002-04-04 Giesecke & Devrient Gmbh Verfahren zum Absichern einer Transaktion auf einem Computernetzwerk
JP4693171B2 (ja) * 2006-03-17 2011-06-01 株式会社日立ソリューションズ 認証システム
US20090106138A1 (en) * 2007-10-22 2009-04-23 Smith Steven E Transaction authentication over independent network
NO332479B1 (no) * 2009-03-02 2012-09-24 Encap As Fremgangsmåte og dataprogram for verifikasjon av engangspassord mellom tjener og mobil anordning med bruk av flere kanaler

Also Published As

Publication number Publication date
EP2490165A1 (en) 2012-08-22
WO2012110499A1 (en) 2012-08-23

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