EP3077972A4 - Verfahren und system für sichere authentifikation eines benutzers und mobile vorrichtung ohne sichere elemente - Google Patents

Verfahren und system für sichere authentifikation eines benutzers und mobile vorrichtung ohne sichere elemente Download PDF

Info

Publication number
EP3077972A4
EP3077972A4 EP14868126.5A EP14868126A EP3077972A4 EP 3077972 A4 EP3077972 A4 EP 3077972A4 EP 14868126 A EP14868126 A EP 14868126A EP 3077972 A4 EP3077972 A4 EP 3077972A4
Authority
EP
European Patent Office
Prior art keywords
secure
user
mobile device
elements
authentication
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.)
Ceased
Application number
EP14868126.5A
Other languages
English (en)
French (fr)
Other versions
EP3077972A1 (de
Inventor
Mehdi Collinge
Patrik Smets
Axel Emile Jean Charles CATELAND
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.)
Mastercard International Inc
Original Assignee
Mastercard International 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 Mastercard International Inc filed Critical Mastercard International Inc
Publication of EP3077972A1 publication Critical patent/EP3077972A1/de
Publication of EP3077972A4 publication Critical patent/EP3077972A4/de
Ceased legal-status Critical Current

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
    • G06Q20/30—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
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3274—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
    • 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
    • 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
    • G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
    • 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
    • G06Q20/20—Point-of-sale [POS] network systems
    • G06Q20/204—Point-of-sale [POS] network systems comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
    • 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
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • 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
    • 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

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Security & Cryptography (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Computer And Data Communications (AREA)
EP14868126.5A 2013-12-02 2014-12-02 Verfahren und system für sichere authentifikation eines benutzers und mobile vorrichtung ohne sichere elemente Ceased EP3077972A4 (de)

Applications Claiming Priority (6)

Application Number Priority Date Filing Date Title
US201361910819P 2013-12-02 2013-12-02
US201461951842P 2014-03-12 2014-03-12
US201461955716P 2014-03-19 2014-03-19
US201461979132P 2014-04-14 2014-04-14
US201461980784P 2014-04-17 2014-04-17
PCT/US2014/067992 WO2015084755A1 (en) 2013-12-02 2014-12-02 Method and system for secure authentication of user and mobile device without secure elements

Publications (2)

Publication Number Publication Date
EP3077972A1 EP3077972A1 (de) 2016-10-12
EP3077972A4 true EP3077972A4 (de) 2017-08-09

Family

ID=53274011

Family Applications (1)

Application Number Title Priority Date Filing Date
EP14868126.5A Ceased EP3077972A4 (de) 2013-12-02 2014-12-02 Verfahren und system für sichere authentifikation eines benutzers und mobile vorrichtung ohne sichere elemente

Country Status (16)

Country Link
EP (1) EP3077972A4 (de)
JP (2) JP6353537B2 (de)
KR (2) KR102025816B1 (de)
CN (1) CN106062799B (de)
AU (1) AU2014357381B2 (de)
BR (1) BR112016012527A2 (de)
CA (1) CA2932346C (de)
CL (1) CL2016001353A1 (de)
HK (1) HK1227146A1 (de)
IL (1) IL245965B (de)
MX (1) MX361793B (de)
NZ (1) NZ720688A (de)
RU (1) RU2663319C2 (de)
SG (1) SG10201800179UA (de)
UA (1) UA115500C2 (de)
WO (1) WO2015084755A1 (de)

Families Citing this family (24)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
RU2661910C1 (ru) 2013-12-02 2018-07-23 Мастеркард Интернэшнл Инкорпорейтед Способ и система для защищенной передачи сообщений сервиса удаленных уведомлений в мобильные устройства без защищенных элементов
RU2653290C1 (ru) * 2014-04-14 2018-05-07 Мастеркард Интернэшнл Инкорпорейтед Способ и система для генерации усовершенствованного ключа хранения в мобильном устройстве без защитных элементов
US10614442B2 (en) 2014-12-03 2020-04-07 Mastercard International Incorporated System and method of facilitating cash transactions at an ATM system without an ATM card using mobile
US10248947B2 (en) * 2015-06-29 2019-04-02 Oberthur Technologies of America Corp. Method of generating a bank transaction request for a mobile terminal having a secure module
US11120436B2 (en) * 2015-07-17 2021-09-14 Mastercard International Incorporated Authentication system and method for server-based payments
SG10201508945YA (en) 2015-10-29 2017-05-30 Mastercard International Inc Method and system for cardless use of an automated teller machine (atm)
US10496982B2 (en) * 2016-02-03 2019-12-03 Accenture Global Solutions Limited Secure contactless card emulation
WO2017182411A1 (en) * 2016-04-18 2017-10-26 Bancontact-Mistercash Nv/Sa Method and device for authorizing mobile transactions
WO2017184840A1 (en) * 2016-04-21 2017-10-26 Mastercard International Incorporated Method and system for contactless transactions without user credentials
EP3507754A1 (de) 2016-09-04 2019-07-10 Mastercard International Incorporated Verfahren und system für kartenlose geldautomatentransaktion über eine mobile vorrichtung
EP3340094B1 (de) * 2016-12-22 2021-04-28 Mastercard International Incorporated Verfahren zur verlängerung von kryptographischen weissboxen unter verbindung von neuem öffentlichen schlüssel und alten identifieren
CN110199309B (zh) * 2017-01-23 2023-06-16 万事达卡国际公司 经由可信执行环境进行认证的方法和系统
EP3364363A1 (de) 2017-02-21 2018-08-22 Mastercard International Incorporated Transaktionskryptogramm
EP3364329B1 (de) 2017-02-21 2023-07-26 Mastercard International Incorporated Sicherheitsarchitektur für vorrichtungsanwendungen
EP3364352A1 (de) 2017-02-21 2018-08-22 Mastercard International Incorporated Bestimmung legitimer bedingungen an einer rechenvorrichtung
CN107274183B (zh) * 2017-03-21 2020-05-22 中国银联股份有限公司 交易验证方法及系统
US11468444B2 (en) * 2017-12-18 2022-10-11 Mastercard International Incorporated Method and system for bypassing merchant systems to increase data security in conveyance of credentials
KR101972599B1 (ko) * 2018-06-19 2019-04-25 김승훈 세션키 처리장치, 처리 방법 및 이를 위한 프로그램을 기록한 컴퓨터 판독 가능한 기록매체
US10581611B1 (en) 2018-10-02 2020-03-03 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards
EP3640878B1 (de) * 2018-10-17 2023-06-21 Swatch Ag Verfahren und system zur aktivierung eines kontaktlosen tragbaren zahlungsobjekts
US10984416B2 (en) * 2019-03-20 2021-04-20 Capital One Services, Llc NFC mobile currency transfer
US11803827B2 (en) 2019-11-01 2023-10-31 Mastercard International Incorporated Method and system for enabling cardless transactions at an ATM for any institutional entity
CN111901109B (zh) * 2020-08-04 2022-10-04 华人运通(上海)云计算科技有限公司 基于白盒的通信方法、装置、设备和存储介质
CN113421084B (zh) * 2021-05-26 2023-03-24 歌尔股份有限公司 公交卡处理方法、装置、设备及可读存储介质

Family Cites Families (12)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP4183823B2 (ja) * 1999-02-10 2008-11-19 富士通株式会社 データ照合装置、データ照合システムおよびデータ照合プログラム記憶媒体
US7249093B1 (en) * 1999-09-07 2007-07-24 Rysix Holdings, Llc Method of and system for making purchases over a computer network
JP2004086599A (ja) * 2002-08-27 2004-03-18 Toppan Printing Co Ltd クレジットカード情報管理装置および管理方法並びにそのプログラム
US7873572B2 (en) * 2004-02-26 2011-01-18 Reardon David C Financial transaction system with integrated electronic messaging, control of marketing data, and user defined charges for receiving messages
JP5179471B2 (ja) * 2006-04-10 2013-04-10 モデール ビー．ブイ． データを安全に伝送するための装置および方法
US8713655B2 (en) * 2008-04-21 2014-04-29 Indian Institute Of Technology Method and system for using personal devices for authentication and service access at service outlets
SG10201506319WA (en) * 2010-08-12 2015-09-29 Mastercard International Inc Multi-commerce channel wallet for authenticated transactions
US8746553B2 (en) * 2010-09-27 2014-06-10 Mastercard International Incorporated Purchase Payment device updates using an authentication process
KR20120110926A (ko) * 2011-03-30 2012-10-10 주식회사 비즈모델라인 프로그램 식별을 통한 카드 결제 방법 및 시스템과 이를 위한 스마트폰
WO2012170895A1 (en) * 2011-06-09 2012-12-13 Yeager C Douglas Systems and methods for authorizing a transaction
US10515359B2 (en) * 2012-04-02 2019-12-24 Mastercard International Incorporated Systems and methods for processing mobile payments by provisioning credentials to mobile devices without secure elements
CN107369015B (zh) * 2012-04-18 2021-01-08 谷歌有限责任公司 在不具有安全元件的情况下处理支付交易

Non-Patent Citations (1)

* Cited by examiner, † Cited by third party
Title
No further relevant documents disclosed *

Also Published As

Publication number Publication date
IL245965A0 (en) 2016-07-31
BR112016012527A2 (pt) 2017-08-08
RU2663319C2 (ru) 2018-08-03
KR20160091418A (ko) 2016-08-02
KR20170139689A (ko) 2017-12-19
CL2016001353A1 (es) 2017-05-12
SG10201800179UA (en) 2018-02-27
CN106062799A (zh) 2016-10-26
CA2932346C (en) 2018-09-04
NZ720688A (en) 2017-09-29
UA115500C2 (uk) 2017-11-10
AU2014357381B2 (en) 2017-03-23
WO2015084755A1 (en) 2015-06-11
HK1227146A1 (zh) 2017-10-13
IL245965B (en) 2022-05-01
KR101809221B1 (ko) 2017-12-14
JP2018164281A (ja) 2018-10-18
EP3077972A1 (de) 2016-10-12
JP2017504871A (ja) 2017-02-09
CA2932346A1 (en) 2015-06-11
MX2016007217A (es) 2016-12-09
MX361793B (es) 2018-12-17
KR102025816B1 (ko) 2019-09-26
AU2014357381A1 (en) 2016-06-16
JP6353537B2 (ja) 2018-07-04
CN106062799B (zh) 2022-04-29

Similar Documents

Publication Publication Date Title
HK1227146A1 (zh) 用於用戶及移動設備的安全認證之方法及系統(不帶有安全元件)
EP3259877A4 (de) Sichere authentifizierung eines benutzers und mobile vorrichtung
EP3005203A4 (de) System und verfahren zur authentifizierung von anmeldeinformationen
ZA201509242B (en) User authentication system and method
EP2984589A4 (de) System und verfahren für mobile single-sign-on-integration
GB201403428D0 (en) System and method of interaction for mobile devices
EP3035725A4 (de) Authentifizierungsverfahren und authentifizierungsvorrichtung für drahtlosrouter
HK1187201A2 (en) An nfc-based fingerprint authentication system and method
EP3017395A4 (de) Verfahren und vorrichtung zur datenauthentifizierung
EP3059689A4 (de) Authentifizierungsvorrichtung und authentifizierungsverfahren
EP3078160A4 (de) Multifaktorielles authentifizierungssystem und verfahren
EP3086505A4 (de) Authentifizierungssystem, authentifizierungsverfahren und authentifizierungsvorrichtung
EP3265953A4 (de) Benutzerauthentifizierungsverfahren und -vorrichtung für benutzerdaten-backup-dienst an mobile vorrichtungen
SG11201506832WA (en) Portable communication device and system and method therefor
EP3086504A4 (de) Authentifizierungssystem und authentifizierungsverfahren
EP3018607A4 (de) Vorrichtung und authentifizierungssystem
HK1184867A1 (en) Method and system for user authentication
SG2013038278A (en) Authentication device and method
EP3086252A4 (de) Authentifizierungssystem und authentifizierungsverfahren
EP3042302A4 (de) System und verfahren zur konfiguration mobiler vorrichtungen
EP3082057A4 (de) Authentifizierungsverfahren und authentifizierungssystem
EP2941032A4 (de) Verfahren und netzwerkvorrichtung zur sicherheitsauthentifizierung eines mobilkommunikationssystems
HK1205387A1 (en) Mobile device-based authentication method and authentication apparatus
GB2523924B (en) Behaviometric signature authentication system and method
EP3007141A4 (de) Authentifizierungssystem und -programm

Legal Events

Date Code Title Description
PUAI Public reference made under article 153(3) epc to a published international application that has entered the european phase

Free format text: ORIGINAL CODE: 0009012

17P Request for examination filed

Effective date: 20160623

AK Designated contracting states

Kind code of ref document: A1

Designated state(s): AL AT BE BG CH CY CZ DE DK EE ES FI FR GB GR HR HU IE IS IT LI LT LU LV MC MK MT NL NO PL PT RO RS SE SI SK SM TR

AX Request for extension of the european patent

Extension state: BA ME

DAX Request for extension of the european patent (deleted)
A4 Supplementary search report drawn up and despatched

Effective date: 20170706

RIC1 Information provided on ipc code assigned before grant

Ipc: G06Q 20/38 20120101AFI20170630BHEP

Ipc: H04W 12/04 20090101ALI20170630BHEP

Ipc: G06Q 20/40 20120101ALI20170630BHEP

Ipc: H04L 29/06 20060101ALI20170630BHEP

Ipc: H04W 12/08 20090101ALI20170630BHEP

Ipc: H04W 12/06 20090101ALI20170630BHEP

Ipc: G06Q 20/20 20120101ALI20170630BHEP

Ipc: G06Q 20/32 20120101ALI20170630BHEP

REG Reference to a national code

Ref country code: HK

Ref legal event code: DE

Ref document number: 1227146

Country of ref document: HK

STAA Information on the status of an ep patent application or granted ep patent

Free format text: STATUS: REQUEST FOR EXAMINATION WAS MADE

STAA Information on the status of an ep patent application or granted ep patent

Free format text: STATUS: EXAMINATION IS IN PROGRESS

17Q First examination report despatched

Effective date: 20180910

STAA Information on the status of an ep patent application or granted ep patent

Free format text: STATUS: EXAMINATION IS IN PROGRESS

REG Reference to a national code

Ref country code: DE

Ref legal event code: R003

STAA Information on the status of an ep patent application or granted ep patent

Free format text: STATUS: THE APPLICATION HAS BEEN REFUSED

18R Application refused

Effective date: 20210213

REG Reference to a national code

Ref country code: HK

Ref legal event code: WD

Ref document number: 1227146

Country of ref document: HK