HK1227146A1 - 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) - Google Patents

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)

Info

Publication number
HK1227146A1
HK1227146A1 HK16114270A HK16114270A HK1227146A1 HK 1227146 A1 HK1227146 A1 HK 1227146A1 HK 16114270 A HK16114270 A HK 16114270A HK 16114270 A HK16114270 A HK 16114270A HK 1227146 A1 HK1227146 A1 HK 1227146A1
Authority
HK
Hong Kong
Prior art keywords
secure
user
mobile device
elements
authentication
Prior art date
Application number
HK16114270A
Other languages
English (en)
Chinese (zh)
Inventor
Mehdi Collinge
Patrik Smets
Axel Emile Jean Charles Cateland
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 HK1227146A1 publication Critical patent/HK1227146A1/zh

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
    • G06Q20/30—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
    • G06Q20/08—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
    • G06Q20/38—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
    • 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

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (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)
HK16114270A 2013-12-02 2016-12-15 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) HK1227146A1 (zh)

Applications Claiming Priority (5)

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

Publications (1)

Publication Number Publication Date
HK1227146A1 true HK1227146A1 (zh) 2017-10-13

Family

ID=53274011

Family Applications (1)

Application Number Title Priority Date Filing Date
HK16114270A HK1227146A1 (zh) 2013-12-02 2016-12-15 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)

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)

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JP6438027B2 (ja) 2013-12-02 2018-12-12 マスターカード インターナショナル インコーポレーテッド セキュアエレメントを用いずに移動装置に対する遠隔通知サービスメッセージをセキュアに送信するための方法およびシステム
SG11201604876YA (en) * 2014-04-14 2016-07-28 Mastercard International Inc Method and system for generating an advanced storage key in a mobile device without secure elements
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
EP3446274A1 (de) * 2016-04-18 2019-02-27 Bancontact Payconiq Company Verfahren und vorrichtung zur autorisierung von mobilen transaktionen
WO2017184840A1 (en) 2016-04-21 2017-10-26 Mastercard International Incorporated Method and system for contactless transactions without user credentials
WO2018045134A1 (en) * 2016-09-04 2018-03-08 Mastercard International Incorporated Method and system for cardless atm transaction via mobile device
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
EP3364352A1 (de) 2017-02-21 2018-08-22 Mastercard International Incorporated Bestimmung legitimer bedingungen an einer rechenvorrichtung
EP3364329B1 (de) 2017-02-21 2023-07-26 Mastercard International Incorporated Sicherheitsarchitektur für vorrichtungsanwendungen
EP3364363A1 (de) 2017-02-21 2018-08-22 Mastercard International Incorporated Transaktionskryptogramm
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

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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
SI2011301T1 (sl) * 2006-04-10 2011-10-28 Trust Integration Services B V Sklop in postopek za varen prenos podatkov
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
SG187832A1 (en) * 2010-08-12 2013-03-28 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
GB201105765D0 (en) * 2011-04-05 2011-05-18 Visa Europe Ltd Payment system
US20120317628A1 (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
JP5795453B2 (ja) * 2012-04-18 2015-10-14 グーグル・インコーポレーテッド セキュア要素を用いない支払取引処理

Also Published As

Publication number Publication date
CN106062799A (zh) 2016-10-26
EP3077972A4 (de) 2017-08-09
CN106062799B (zh) 2022-04-29
UA115500C2 (uk) 2017-11-10
MX2016007217A (es) 2016-12-09
JP2018164281A (ja) 2018-10-18
AU2014357381B2 (en) 2017-03-23
JP6353537B2 (ja) 2018-07-04
WO2015084755A1 (en) 2015-06-11
KR102025816B1 (ko) 2019-09-26
EP3077972A1 (de) 2016-10-12
BR112016012527A2 (pt) 2017-08-08
IL245965A0 (en) 2016-07-31
CA2932346A1 (en) 2015-06-11
NZ720688A (en) 2017-09-29
KR20160091418A (ko) 2016-08-02
CA2932346C (en) 2018-09-04
KR20170139689A (ko) 2017-12-19
MX361793B (es) 2018-12-17
AU2014357381A1 (en) 2016-06-16
RU2663319C2 (ru) 2018-08-03
SG10201800179UA (en) 2018-02-27
IL245965B (en) 2022-05-01
KR101809221B1 (ko) 2017-12-14
JP2017504871A (ja) 2017-02-09
CL2016001353A1 (es) 2017-05-12

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