JP2018538625A - トランザクションについてのユーザ認証 - Google Patents
トランザクションについてのユーザ認証 Download PDFInfo
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- JP2018538625A JP2018538625A JP2018530068A JP2018530068A JP2018538625A JP 2018538625 A JP2018538625 A JP 2018538625A JP 2018530068 A JP2018530068 A JP 2018530068A JP 2018530068 A JP2018530068 A JP 2018530068A JP 2018538625 A JP2018538625 A JP 2018538625A
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- 238000000034 method Methods 0.000 claims abstract description 26
- 238000001514 detection method Methods 0.000 claims abstract description 6
- 230000004044 response Effects 0.000 claims abstract description 3
- 238000004891 communication Methods 0.000 claims description 19
- 238000013459 approach Methods 0.000 abstract description 8
- 230000006870 function Effects 0.000 description 15
- 238000012545 processing Methods 0.000 description 13
- 230000007246 mechanism Effects 0.000 description 5
- 238000012795 verification Methods 0.000 description 4
- 238000013475 authorization Methods 0.000 description 3
- 230000006399 behavior Effects 0.000 description 3
- 230000008901 benefit Effects 0.000 description 3
- 230000003993 interaction Effects 0.000 description 3
- 230000008569 process Effects 0.000 description 3
- 230000009471 action Effects 0.000 description 2
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- 238000012790 confirmation Methods 0.000 description 1
- 238000011161 development Methods 0.000 description 1
- 230000018109 developmental process Effects 0.000 description 1
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- 238000010295 mobile communication Methods 0.000 description 1
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Classifications
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- 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
- G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing
-
- 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
-
- 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
- G06F21/32—User authentication using biometric data, e.g. fingerprints, iris scans or voiceprints
-
- 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
-
- 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
- G06Q20/4012—Verifying personal identification numbers [PIN]
-
- 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
Abstract
Description
前記ユーザへ複数の認証選択肢を提供するステップと、
前記ユーザによる認証選択肢に対する選択に応答して、前記選択された認証選択肢につき認証プロトコルを実行するステップと、
前記認証プロトコルの実行が成功すると、前記遠隔サービスと通信して、前記遠隔サービスにつき認証が成功したことの確認値を、前記複数の認証選択肢のいずれが前記ユーザによって選択されたかを示す指示子と共に提供するステップと、
を含む。
Claims (10)
- 遠隔サービスのためにコンピューティング装置にてユーザを認証する方法において、前記コンピューティング装置において、
前記ユーザへ複数の認証選択肢を提供するステップと、
前記ユーザによる認証選択肢に対する選択に応答して、前記選択された認証選択肢につき認証プロトコルを実行するステップと、
前記認証プロトコルの実行が成功すると、前記遠隔サービスと通信して、前記遠隔サービスにつき認証が成功したことの確認値を、前記複数の認証選択肢のいずれが前記ユーザによって選択されたかを示す指示子と共に提供するステップと、
を含む方法。 - 請求項1に記載の方法において、前記コンピューティング装置は無線通信ハンドセットである、方法。
- 請求項1又は2に記載の方法において、前記認証選択肢は少なくとも1つの生体識別子を含む、方法。
- 請求項1乃至3のいずれか1項に記載の方法において、前記認証選択肢は、代理ユーザについての少なくとも1つの認証選択肢を含む、方法。
- 請求項1乃至4のいずれか1項に記載の方法において、前記コンピューティング装置は支払装置である、方法。
- 請求項5に記載の方法において、前記遠隔サービスは、前記支払装置についての発行者認証サービスを含む、方法。
- 請求項6に記載の方法において、前記支払装置はEMVプロトコルを含み、選択された前記認証選択肢は発行者アプリケーションデータにて通信される、方法。
- 請求項7に記載の方法において、選択された前記認証選択肢は、PIN試行計数機にて通信される、方法。
- プロセッサとメモリとを有するコンピューティング装置であって、請求項1乃至8のいずれか1項に記載の方法を実行するようプログラムされ、1以上の認証選択肢を提供するためのユーザ用ユーザインタフェースを有する、コンピューティング装置。
- 詐欺検出方法において、
装置又はサービスのユーザへ複数の認証選択肢を提供するステップと、
前記ユーザにつき、異なる認証選択肢の使用を追跡して、前記ユーザの認証パターンを確立するステップと、
前記使用が前記認証パターンに一致しないとき、認証選択肢の使用は潜在的に詐欺であると識別するステップと、
を含む方法。
Applications Claiming Priority (3)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
EP15199658.4 | 2015-12-11 | ||
EP15199658.4A EP3179431A1 (en) | 2015-12-11 | 2015-12-11 | User authentication for transactions |
PCT/US2016/065540 WO2017100411A1 (en) | 2015-12-11 | 2016-12-08 | User authentication for transactions |
Publications (1)
Publication Number | Publication Date |
---|---|
JP2018538625A true JP2018538625A (ja) | 2018-12-27 |
Family
ID=54849563
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
JP2018530068A Pending JP2018538625A (ja) | 2015-12-11 | 2016-12-08 | トランザクションについてのユーザ認証 |
Country Status (7)
Country | Link |
---|---|
US (1) | US20170169434A1 (ja) |
EP (1) | EP3179431A1 (ja) |
JP (1) | JP2018538625A (ja) |
CN (1) | CN108369619A (ja) |
BR (1) | BR112018009368A8 (ja) |
CA (1) | CA3008130A1 (ja) |
WO (1) | WO2017100411A1 (ja) |
Cited By (1)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US20180189782A1 (en) * | 2016-12-30 | 2018-07-05 | Idemia France | Method for monitoring usage patterns and electronic device capable of implementing such a method |
Families Citing this family (4)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US11012441B2 (en) * | 2017-06-30 | 2021-05-18 | Open Text Corporation | Hybrid authentication systems and methods |
CN108038694B (zh) * | 2017-12-11 | 2019-03-29 | 飞天诚信科技股份有限公司 | 一种具有指纹验证功能的金融卡及其工作方法 |
US11855971B2 (en) * | 2018-01-11 | 2023-12-26 | Visa International Service Association | Offline authorization of interactions and controlled tasks |
CN111695109A (zh) * | 2020-06-02 | 2020-09-22 | 中国工商银行股份有限公司 | 收单程序访问控制方法、收单终端及服务器 |
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US8078515B2 (en) * | 2007-05-04 | 2011-12-13 | Michael Sasha John | Systems and methods for facilitating electronic transactions and deterring fraud |
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2015
- 2015-12-11 EP EP15199658.4A patent/EP3179431A1/en not_active Withdrawn
-
2016
- 2016-12-08 CA CA3008130A patent/CA3008130A1/en not_active Abandoned
- 2016-12-08 BR BR112018009368A patent/BR112018009368A8/pt not_active Application Discontinuation
- 2016-12-08 CN CN201680072368.6A patent/CN108369619A/zh active Pending
- 2016-12-08 WO PCT/US2016/065540 patent/WO2017100411A1/en active Application Filing
- 2016-12-08 JP JP2018530068A patent/JP2018538625A/ja active Pending
- 2016-12-12 US US15/375,576 patent/US20170169434A1/en not_active Abandoned
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Cited By (2)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US20180189782A1 (en) * | 2016-12-30 | 2018-07-05 | Idemia France | Method for monitoring usage patterns and electronic device capable of implementing such a method |
US10943230B2 (en) * | 2016-12-30 | 2021-03-09 | Idemia France | Method for monitoring usage patterns and electronic device capable of implementing such a method |
Also Published As
Publication number | Publication date |
---|---|
CA3008130A1 (en) | 2017-06-15 |
US20170169434A1 (en) | 2017-06-15 |
WO2017100411A1 (en) | 2017-06-15 |
CN108369619A (zh) | 2018-08-03 |
BR112018009368A8 (pt) | 2019-02-26 |
BR112018009368A2 (pt) | 2018-11-13 |
EP3179431A1 (en) | 2017-06-14 |
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