MX2017015986A - Sistemas y metodos para verificar usuarios, en conexion con transacciones que usan dispositivos de pago. - Google Patents

Sistemas y metodos para verificar usuarios, en conexion con transacciones que usan dispositivos de pago.

Info

Publication number
MX2017015986A
MX2017015986A MX2017015986A MX2017015986A MX2017015986A MX 2017015986 A MX2017015986 A MX 2017015986A MX 2017015986 A MX2017015986 A MX 2017015986A MX 2017015986 A MX2017015986 A MX 2017015986A MX 2017015986 A MX2017015986 A MX 2017015986A
Authority
MX
Mexico
Prior art keywords
terminal
biometric
transactions
systems
methods
Prior art date
Application number
MX2017015986A
Other languages
English (en)
Inventor
Louis Rouquet Jean-
Paul RANS Jean-
Bhatt Sumeet
Beric John
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 MX2017015986A publication Critical patent/MX2017015986A/es

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
    • G06Q20/38—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
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/105—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems involving programming of a portable memory device, e.g. IC cards, "electronic purses"
    • 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
    • G06Q20/3821—Electronic credentials
    • G06Q20/38215—Use of certificates or encrypted proofs of transaction rights
    • 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
    • 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
    • G06Q2220/00—Business processing using cryptography
    • 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
    • H04L9/50—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols using hash chains, e.g. blockchains or hash trees

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Finance (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Cash Registers Or Receiving Machines (AREA)
  • Collating Specific Patterns (AREA)
  • User Interface Of Digital Computer (AREA)

Abstract

Se describen sistemas y métodos para verificar usuarios en conexión con transacciones que usan dispositivos de pago. Un método ilustrativo generalmente incluye recibir un comando de selección para un AID asociado con una aplicación de pago desde una terminal y, en respuesta, iniciar mediante un chip de seguridad de un dispositivo de pago, un cronómetro después de encendido del chip de seguridad por la terminal. El método también incluye capturar un biométrico de un usuario, en un sensor biométrico, de conformidad con la aplicación de pago, y verificar, mediante el chip de seguridad, el biométrico capturado con base en datos biométricos de referencia. El método además incluye, cuando el cronómetro no ha expirado y se verifica el biométrico capturado, anexar un primer valor a un CVR y regresar una primera AFL a la terminal, y cuando el cronómetro ha expirado, anexar un valor diferente al CVR y regresa una AFL diferente a la terminal.
MX2017015986A 2015-06-09 2016-06-09 Sistemas y metodos para verificar usuarios, en conexion con transacciones que usan dispositivos de pago. MX2017015986A (es)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
US201562173144P 2015-06-09 2015-06-09
US15/061,077 US20160364703A1 (en) 2015-06-09 2016-03-04 Systems and Methods for Verifying Users, in Connection With Transactions Using Payment Devices
PCT/US2016/036698 WO2016201102A1 (en) 2015-06-09 2016-06-09 Systems and methods for verifying users, in connection with transactions using payment devices

Publications (1)

Publication Number Publication Date
MX2017015986A true MX2017015986A (es) 2018-04-20

Family

ID=57503781

Family Applications (1)

Application Number Title Priority Date Filing Date
MX2017015986A MX2017015986A (es) 2015-06-09 2016-06-09 Sistemas y metodos para verificar usuarios, en conexion con transacciones que usan dispositivos de pago.

Country Status (6)

Country Link
US (1) US20160364703A1 (es)
EP (1) EP3308340B1 (es)
CN (1) CN107924517A (es)
AU (3) AU2016274700A1 (es)
MX (1) MX2017015986A (es)
WO (1) WO2016201102A1 (es)

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* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US10410216B2 (en) 2014-04-29 2019-09-10 Mastercard International Incorporated Methods and systems for verifying individuals prior to benefits distribution
US10817878B2 (en) 2015-06-09 2020-10-27 Mastercard International Incorporated Systems and methods for verifying users, in connection with transactions using payment devices
US10410211B2 (en) * 2015-06-15 2019-09-10 Intel Corporation Virtual POS terminal method and apparatus
US20170103396A1 (en) * 2015-10-13 2017-04-13 Mastercard International Incorporated Adaptable messaging
US10476862B2 (en) 2017-03-31 2019-11-12 Mastercard International Incorporated Systems and methods for providing digital identity records to verify identities of users
GB2563599A (en) * 2017-06-19 2018-12-26 Zwipe As Incremental enrolment algorithm
US10554409B2 (en) * 2017-07-11 2020-02-04 Mastercard International Incorporated Systems and methods for use in authenticating users in connection with network transactions
US10963877B2 (en) 2017-07-11 2021-03-30 Mastercard International Incorporated Systems and methods for use in authenticating users in connection with network transactions
WO2019055969A1 (en) 2017-09-18 2019-03-21 Mastercard International Incorporated SYSTEMS AND METHODS FOR MANAGING DIGITAL IDENTITIES ASSOCIATED WITH MOBILE DEVICES
WO2019055972A1 (en) * 2017-09-18 2019-03-21 Mastercard International Incorporated SYSTEMS AND METHODS FOR PROVIDING BIOMETRIC MODELS TO BIOMETRIC DEVICES
US11100503B2 (en) 2018-02-07 2021-08-24 Mastercard International Incorporated Systems and methods for use in managing digital identities
CN109597640B (zh) * 2018-07-27 2020-01-17 北京字节跳动网络技术有限公司 一种应用程序的账号管理方法、装置、设备和介质
CN109299947A (zh) * 2018-09-13 2019-02-01 Oppo（重庆）智能科技有限公司 指纹支付认证方法、电子装置及计算机可读存储介质
CN109462501B (zh) * 2018-10-29 2021-02-02 北京芯盾时代科技有限公司 一种认证流程控制方法及系统
US11132428B2 (en) * 2019-01-17 2021-09-28 Advanced New Technologies Co., Ltd. Capacitive through-body communication
EP3723017A1 (en) 2019-04-08 2020-10-14 Mastercard International Incorporated Improvements relating to identity authentication and validation
US20210035109A1 (en) * 2019-07-31 2021-02-04 Mastercard International Incorporated Methods and systems for enrollment and use of biometric payment card
CN112990911B (zh) * 2021-02-08 2024-05-28 北京智芯微电子科技有限公司 灰锁交易方法及安全芯片
CN117474556B (zh) * 2023-12-26 2024-03-08 深圳市唯博易科技有限公司 基于生物特征的pos机身份快速识别方法

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JP2003208553A (ja) * 2002-01-17 2003-07-25 Toshiba Corp 電子マネーカード及び電子取引制御方法
US7341181B2 (en) * 2004-07-01 2008-03-11 American Express Travel Related Services Company, Inc. Method for biometric security using a smartcard
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Also Published As

Publication number Publication date
CN107924517A (zh) 2018-04-17
US20160364703A1 (en) 2016-12-15
EP3308340A4 (en) 2018-11-07
EP3308340A1 (en) 2018-04-18
WO2016201102A1 (en) 2016-12-15
AU2019279926A1 (en) 2020-01-16
AU2022200756A1 (en) 2022-02-24
AU2016274700A1 (en) 2018-01-04
EP3308340B1 (en) 2023-11-29

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