JP7705389B2 - クロスカップリングリスク解析およびワンタイムパスコードのシステムおよび方法 - Google Patents
クロスカップリングリスク解析およびワンタイムパスコードのシステムおよび方法 Download PDFInfo
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- JP7705389B2 JP7705389B2 JP2022525807A JP2022525807A JP7705389B2 JP 7705389 B2 JP7705389 B2 JP 7705389B2 JP 2022525807 A JP2022525807 A JP 2022525807A JP 2022525807 A JP2022525807 A JP 2022525807A JP 7705389 B2 JP7705389 B2 JP 7705389B2
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- G—PHYSICS
- G06—COMPUTING OR CALCULATING; 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
- G06F21/34—User authentication involving the use of external additional devices, e.g. dongles or smart cards
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- G—PHYSICS
- G06—COMPUTING OR CALCULATING; 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
- G06Q20/24—Credit schemes, i.e. "pay after"
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- G—PHYSICS
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- 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]
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- G—PHYSICS
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- 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
- G06Q20/326—Payment applications installed on the mobile devices
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- G—PHYSICS
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- 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
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- 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
- G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
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- 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
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- 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
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- G—PHYSICS
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- 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
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- G—PHYSICS
- G06—COMPUTING OR CALCULATING; 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
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- G—PHYSICS
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- 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
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- G—PHYSICS
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- 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
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- 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
-
- 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
- H04L63/0853—Network architectures or network communication protocols for network security for authentication of entities using an additional device, e.g. smartcard, SIM or a different communication terminal
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- 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
- H04L63/18—Network architectures or network communication protocols for network security using different networks or channels, e.g. using out of band channels
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- 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
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- 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
- H04L9/3271—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 challenge-response
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04W—WIRELESS COMMUNICATION NETWORKS
- H04W12/00—Security arrangements; Authentication; Protecting privacy or anonymity
- H04W12/06—Authentication
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04W—WIRELESS COMMUNICATION NETWORKS
- H04W12/00—Security arrangements; Authentication; Protecting privacy or anonymity
- H04W12/06—Authentication
- H04W12/069—Authentication using certificates or pre-shared keys
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- Engineering & Computer Science (AREA)
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Computer Networks & Wireless Communication (AREA)
- Theoretical Computer Science (AREA)
- General Physics & Mathematics (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- Strategic Management (AREA)
- Computer Security & Cryptography (AREA)
- Signal Processing (AREA)
- General Engineering & Computer Science (AREA)
- Computer Hardware Design (AREA)
- Computing Systems (AREA)
- Finance (AREA)
- Software Systems (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Telephonic Communication Services (AREA)
- Facsimiles In General (AREA)
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| JP2025109200A JP2025143340A (ja) | 2019-11-05 | 2025-06-27 | クロスカップリングリスク解析およびワンタイムパスコードのシステムおよび方法 |
Applications Claiming Priority (3)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| US16/675,172 | 2019-11-05 | ||
| US16/675,172 US10949520B2 (en) | 2018-10-02 | 2019-11-05 | Systems and methods for cross coupling risk analytics and one-time-passcodes |
| PCT/US2020/057668 WO2021091739A1 (en) | 2019-11-05 | 2020-10-28 | Systems and methods for cross coupling risk analytics and one-time-passcodes |
Related Child Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| JP2025109200A Division JP2025143340A (ja) | 2019-11-05 | 2025-06-27 | クロスカップリングリスク解析およびワンタイムパスコードのシステムおよび方法 |
Publications (3)
| Publication Number | Publication Date |
|---|---|
| JP2023501302A JP2023501302A (ja) | 2023-01-18 |
| JP2023501302A5 JP2023501302A5 (https=) | 2023-11-09 |
| JP7705389B2 true JP7705389B2 (ja) | 2025-07-09 |
Family
ID=73476266
Family Applications (2)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| JP2022525807A Active JP7705389B2 (ja) | 2019-11-05 | 2020-10-28 | クロスカップリングリスク解析およびワンタイムパスコードのシステムおよび方法 |
| JP2025109200A Pending JP2025143340A (ja) | 2019-11-05 | 2025-06-27 | クロスカップリングリスク解析およびワンタイムパスコードのシステムおよび方法 |
Family Applications After (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| JP2025109200A Pending JP2025143340A (ja) | 2019-11-05 | 2025-06-27 | クロスカップリングリスク解析およびワンタイムパスコードのシステムおよび方法 |
Country Status (9)
| Country | Link |
|---|---|
| EP (2) | EP4055796B1 (https=) |
| JP (2) | JP7705389B2 (https=) |
| KR (1) | KR20220093316A (https=) |
| CN (1) | CN114631109A (https=) |
| AU (1) | AU2020379639A1 (https=) |
| CA (1) | CA3151906A1 (https=) |
| ES (1) | ES3035022T3 (https=) |
| PL (1) | PL4055796T3 (https=) |
| WO (1) | WO2021091739A1 (https=) |
Families Citing this family (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US12256221B2 (en) * | 2021-09-08 | 2025-03-18 | Capital One Services, Llc | System and method for beacon-based action validation |
| CN115994762A (zh) * | 2023-01-29 | 2023-04-21 | 中国银联股份有限公司 | 业务风控方法、装置、设备、计算机存储介质及程序 |
| US20260046617A1 (en) * | 2024-08-09 | 2026-02-12 | T-Mobile Usa, Inc. | Network authentication using ue sim verification |
Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| JP2007529935A (ja) | 2004-03-16 | 2007-10-25 | フランス テレコム | 匿名認証方法 |
| JP2010244191A (ja) | 2009-04-02 | 2010-10-28 | Dainippon Printing Co Ltd | 認証装置、認証プログラム、認証システム、パスワード生成装置、携帯型セキュリティデバイス、およびパスワード生成プログラム |
| JP2017041001A (ja) | 2015-08-18 | 2017-02-23 | 株式会社日本総合研究所 | インターネットバンキングの資金移動用端末のプログラム、資金移動方法、及びキャッシュカード |
Family Cites Families (9)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| JP3658189B2 (ja) * | 1998-04-20 | 2005-06-08 | システムニーズ株式会社 | コンピュータ装置におけるなりすまし防止方法 |
| MX2012005226A (es) * | 2009-11-04 | 2012-08-15 | Visa Int Service Ass | Verificacion de dispositivos del consumidor portatiles para servicios 3-d seguros. |
| US8924712B2 (en) * | 2011-11-14 | 2014-12-30 | Ca, Inc. | Using QR codes for authenticating users to ATMs and other secure machines for cardless transactions |
| GB201213277D0 (en) * | 2012-07-26 | 2012-09-05 | Highgate Labs Ltd | Two device authentication mechanism |
| KR102268471B1 (ko) * | 2013-11-12 | 2021-06-25 | 주식회사 비즈모델라인 | 거래정보와 엔에프씨오티피카드를 이용한 거래 인증 방법 |
| US9704156B2 (en) * | 2014-01-23 | 2017-07-11 | Mastercard International Incorporated | Mobile secure element based shared cardholder verification |
| US20150261948A1 (en) * | 2014-03-12 | 2015-09-17 | Cognitas Technologies, Inc. | Two-factor authentication methods and systems |
| US10496982B2 (en) * | 2016-02-03 | 2019-12-03 | Accenture Global Solutions Limited | Secure contactless card emulation |
| US10395244B1 (en) * | 2018-09-19 | 2019-08-27 | Capital One Services, Llc | Systems and methods for providing card interactions |
-
2020
- 2020-10-28 EP EP20808593.6A patent/EP4055796B1/en active Active
- 2020-10-28 CN CN202080075487.3A patent/CN114631109A/zh active Pending
- 2020-10-28 PL PL20808593.6T patent/PL4055796T3/pl unknown
- 2020-10-28 EP EP24201481.9A patent/EP4460060B1/en active Active
- 2020-10-28 WO PCT/US2020/057668 patent/WO2021091739A1/en not_active Ceased
- 2020-10-28 CA CA3151906A patent/CA3151906A1/en active Pending
- 2020-10-28 ES ES20808593T patent/ES3035022T3/es active Active
- 2020-10-28 KR KR1020227014381A patent/KR20220093316A/ko active Pending
- 2020-10-28 AU AU2020379639A patent/AU2020379639A1/en active Pending
- 2020-10-28 JP JP2022525807A patent/JP7705389B2/ja active Active
-
2025
- 2025-06-27 JP JP2025109200A patent/JP2025143340A/ja active Pending
Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| JP2007529935A (ja) | 2004-03-16 | 2007-10-25 | フランス テレコム | 匿名認証方法 |
| JP2010244191A (ja) | 2009-04-02 | 2010-10-28 | Dainippon Printing Co Ltd | 認証装置、認証プログラム、認証システム、パスワード生成装置、携帯型セキュリティデバイス、およびパスワード生成プログラム |
| JP2017041001A (ja) | 2015-08-18 | 2017-02-23 | 株式会社日本総合研究所 | インターネットバンキングの資金移動用端末のプログラム、資金移動方法、及びキャッシュカード |
Also Published As
| Publication number | Publication date |
|---|---|
| EP4055796A1 (en) | 2022-09-14 |
| AU2020379639A1 (en) | 2022-04-21 |
| JP2023501302A (ja) | 2023-01-18 |
| KR20220093316A (ko) | 2022-07-05 |
| JP2025143340A (ja) | 2025-10-01 |
| EP4460060A2 (en) | 2024-11-06 |
| CN114631109A (zh) | 2022-06-14 |
| EP4055796C0 (en) | 2025-06-04 |
| ES3035022T3 (en) | 2025-08-28 |
| EP4055796B1 (en) | 2025-06-04 |
| EP4460060A3 (en) | 2025-01-01 |
| WO2021091739A1 (en) | 2021-05-14 |
| EP4460060B1 (en) | 2026-04-15 |
| PL4055796T3 (pl) | 2025-09-29 |
| CA3151906A1 (en) | 2021-05-14 |
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