MX2018003170A - Verificacion de transacciones de pago. - Google Patents
Verificacion de transacciones de pago.Info
- Publication number
- MX2018003170A MX2018003170A MX2018003170A MX2018003170A MX2018003170A MX 2018003170 A MX2018003170 A MX 2018003170A MX 2018003170 A MX2018003170 A MX 2018003170A MX 2018003170 A MX2018003170 A MX 2018003170A MX 2018003170 A MX2018003170 A MX 2018003170A
- Authority
- MX
- Mexico
- Prior art keywords
- user
- verification
- payment transactions
- payment device
- consent
- Prior art date
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
- G06Q20/4014—Identity check for transactions
-
- 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]
- G06Q20/3224—Transactions dependent on location of 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
- G06Q20/30—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]
- G06Q20/3227—Aspects of commerce using mobile devices [M-devices] using secure elements embedded in 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
- G06Q20/30—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
-
- 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
-
- 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
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
-
- 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
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
- G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
- G06Q20/3674—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes involving authentication
-
- 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
- G06Q20/40—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
-
- 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
- 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
- G06Q20/409—Device specific authentication in transaction processing
Landscapes
- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- Accounting & Taxation (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (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)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
Se describe un método que proporciona la autentificación de usuario y el consentimiento de usuario para una transacción realizada con un dispositivo de pago. Una etapa de autentificación de usuario es tomada para verificar que un usuario está autorizado para utilizar el dispositivo de pago y una etapa de consentimiento de usuario es tomada para verificar que el usuario consiente la transacción. La etapa de autentificación de usuario es distinta de la etapa de consentimiento de usuario. También se describe un dispositivo de pago adaptado para realizar este método.
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
GBGB1516617.6A GB201516617D0 (en) | 2015-09-18 | 2015-09-18 | Verification for payment transations |
PCT/US2016/051880 WO2017048917A1 (en) | 2015-09-18 | 2016-09-15 | Verification for payment transactions |
Publications (1)
Publication Number | Publication Date |
---|---|
MX2018003170A true MX2018003170A (es) | 2018-05-17 |
Family
ID=54544500
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
MX2018003170A MX2018003170A (es) | 2015-09-18 | 2016-09-15 | Verificacion de transacciones de pago. |
Country Status (9)
Country | Link |
---|---|
US (1) | US10504116B2 (es) |
EP (1) | EP3350760A1 (es) |
JP (1) | JP2018534659A (es) |
CN (1) | CN108352012A (es) |
AU (1) | AU2016323168A1 (es) |
CA (1) | CA2999127C (es) |
GB (1) | GB201516617D0 (es) |
MX (1) | MX2018003170A (es) |
WO (1) | WO2017048917A1 (es) |
Families Citing this family (5)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US11037153B2 (en) | 2017-11-08 | 2021-06-15 | Mastercard International Incorporated | Determining implicit transaction consent based on biometric data and associated context data |
CN110348653B (zh) * | 2018-04-04 | 2020-07-07 | 阿里巴巴集团控股有限公司 | 一种业务数据处理方法、装置及电子设备 |
CN109784884A (zh) * | 2018-12-28 | 2019-05-21 | 佛山科学技术学院 | 一种基于身份证的电子钱包装置及其交易方法 |
GB2587817A (en) * | 2019-10-03 | 2021-04-14 | Univ Belfast | Computer-implemented transaction system and method |
US11687913B2 (en) * | 2020-04-01 | 2023-06-27 | Mastercard International Incorporated | Ultra-wideband-enabled devices and systems |
Family Cites Families (22)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
BRPI0411286B1 (pt) * | 2003-06-10 | 2016-12-20 | Mastercard International Inc | sistema para autenticar a transação comercial efetuada pelo proprietário de um cartão junto a um comerciante em uma rede eletrônica; estrutura de dados para transportar informações e método para a autenticação da transação comercial |
AU2011239307B2 (en) * | 2003-06-10 | 2015-04-16 | Mastercard International Incorporated | Systems and methods for conducting secure payment transactions using a formatted data structure |
US20130197998A1 (en) * | 2012-01-26 | 2013-08-01 | Finsphere Corporation | Authenticating entities engaging in automated or electronic transactions or activities |
US8768837B2 (en) * | 2007-05-03 | 2014-07-01 | Mastercard International Incorporated | Method and system for controlling risk in a payment transaction |
US8706556B2 (en) * | 2009-11-06 | 2014-04-22 | Mastercard International Incorporated | Methods for risk management in payment-enabled mobile device |
US20110238476A1 (en) * | 2010-03-23 | 2011-09-29 | Michael Carr | Location-based Coupons and Mobile Devices |
US20140156531A1 (en) * | 2010-12-14 | 2014-06-05 | Salt Technology Inc. | System and Method for Authenticating Transactions Through a Mobile Device |
US9355393B2 (en) * | 2011-08-18 | 2016-05-31 | Visa International Service Association | Multi-directional wallet connector apparatuses, methods and systems |
GB2495704B (en) * | 2011-10-12 | 2014-03-26 | Technology Business Man Ltd | ID Authentication |
DE202012100620U1 (de) * | 2011-11-22 | 2012-06-13 | Square, Inc. | System zur Bearbeitung von kartenlosen Bezahlungstransaktionen |
US9898728B2 (en) * | 2011-12-19 | 2018-02-20 | Gfa Worldwide, Inc. | System and method for one-time payment authorization in a portable communication device |
US9323912B2 (en) * | 2012-02-28 | 2016-04-26 | Verizon Patent And Licensing Inc. | Method and system for multi-factor biometric authentication |
EP3588342B1 (en) * | 2012-06-11 | 2022-10-12 | Samsung Electronics Co., Ltd. | Mobile device and control method thereof |
EP2907090A4 (en) * | 2012-10-10 | 2016-05-18 | Mastercard International Inc | METHOD AND SYSTEMS FOR IMPLEMENTING TRANSACTIONS AT REMOTE SALES OFFICES |
WO2014093390A1 (en) * | 2012-12-10 | 2014-06-19 | Visa International Service Association | Authenticating remote transactions using a mobile device |
US9367676B2 (en) * | 2013-03-22 | 2016-06-14 | Nok Nok Labs, Inc. | System and method for confirming location using supplemental sensor and/or location data |
SG11201604906QA (en) * | 2013-12-19 | 2016-07-28 | Visa Int Service Ass | Cloud-based transactions methods and systems |
US10445718B2 (en) * | 2013-12-27 | 2019-10-15 | Visa International Service Association | Processing a transaction using multiple application identifiers |
US9159736B2 (en) * | 2014-02-07 | 2015-10-13 | Micron Technology, Inc. | Data line arrangement and pillar arrangement in apparatuses |
GB2522929A (en) * | 2014-02-11 | 2015-08-12 | Mastercard International Inc | Transaction authorisation method and system |
CN106465112A (zh) * | 2014-05-21 | 2017-02-22 | 维萨国际服务协会 | 离线认证 |
GB2534248B (en) * | 2015-07-14 | 2019-11-27 | Ford Global Tech Llc | A crankcase assembly |
-
2015
- 2015-09-18 GB GBGB1516617.6A patent/GB201516617D0/en not_active Ceased
-
2016
- 2016-09-15 MX MX2018003170A patent/MX2018003170A/es unknown
- 2016-09-15 AU AU2016323168A patent/AU2016323168A1/en not_active Abandoned
- 2016-09-15 EP EP16774744.3A patent/EP3350760A1/en not_active Ceased
- 2016-09-15 WO PCT/US2016/051880 patent/WO2017048917A1/en active Application Filing
- 2016-09-15 CN CN201680067201.0A patent/CN108352012A/zh active Pending
- 2016-09-15 CA CA2999127A patent/CA2999127C/en active Active
- 2016-09-15 JP JP2018514305A patent/JP2018534659A/ja active Pending
- 2016-09-16 US US15/267,349 patent/US10504116B2/en active Active
Also Published As
Publication number | Publication date |
---|---|
CA2999127A1 (en) | 2017-03-23 |
US10504116B2 (en) | 2019-12-10 |
CA2999127C (en) | 2020-07-07 |
GB201516617D0 (en) | 2015-11-04 |
JP2018534659A (ja) | 2018-11-22 |
AU2016323168A1 (en) | 2018-03-15 |
EP3350760A1 (en) | 2018-07-25 |
US20170083915A1 (en) | 2017-03-23 |
WO2017048917A1 (en) | 2017-03-23 |
CN108352012A (zh) | 2018-07-31 |
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