MXPA05013422A - Sistemas y metodos para conducir transacciones de pago seguro usando una estructura de datos formateada. - Google Patents
Sistemas y metodos para conducir transacciones de pago seguro usando una estructura de datos formateada.Info
- Publication number
- MXPA05013422A MXPA05013422A MXPA05013422A MXPA05013422A MXPA05013422A MX PA05013422 A MXPA05013422 A MX PA05013422A MX PA05013422 A MXPA05013422 A MX PA05013422A MX PA05013422 A MXPA05013422 A MX PA05013422A MX PA05013422 A MXPA05013422 A MX PA05013422A
- Authority
- MX
- Mexico
- Prior art keywords
- data structure
- authentication
- cardholder
- secure payment
- merchant
- Prior art date
Links
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
- G06Q20/04—Payment circuits
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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
-
- 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
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
-
- 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
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
- G06Q20/027—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] involving a payment switch or gateway
-
- 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
-
- 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
- G06Q20/12—Payment architectures specially adapted for electronic shopping systems
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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
- G06Q20/30—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
- G06Q20/3821—Electronic credentials
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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
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3827—Use of message hashing
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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
- G06Q20/4014—Identity check for transactions
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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
- G06Q30/00—Commerce
- G06Q30/04—Billing or invoicing
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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
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
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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
- H04L9/3236—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 cryptographic hash functions
- H04L9/3242—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 cryptographic hash functions involving keyed hash functions, e.g. message authentication codes [MACs], CBC-MAC or HMAC
-
- 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
- H04L9/3247—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 digital signatures
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L2209/00—Additional information or applications relating to cryptographic mechanisms or cryptographic arrangements for secret or secure communication H04L9/00
- H04L2209/56—Financial cryptography, e.g. electronic payment or e-cash
Landscapes
- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- Accounting & Taxation (AREA)
- Finance (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Computer Security & Cryptography (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Computer Networks & Wireless Communication (AREA)
- Marketing (AREA)
- Signal Processing (AREA)
- Power Engineering (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Management, Administration, Business Operations System, And Electronic Commerce (AREA)
- Storage Device Security (AREA)
- Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)
Abstract
Se proporciona una estructura de datos formateada para transmitir los resultados de programas de autentificacion del comercio electronico que se usan para autentificar las transacciones en linea de un miembro registrado o tarjetahabiente. La estructura de datos, que tiene cuando mas longitud de 20 bytes, se disena para ser compatible con los protocolos de mensajes seguros en 3 dimensiones usado en el comercio electronico. La estructura de datos incluye los campos designados que incluyen un hash o elementos arbitrarios del nombre del comerciante, identifica un proveedor de servicio de autentificacion, identifica el metodo de autentificacion usado, e incluye un codigo de autentificacion del comerciante que une la informacion del miembro registrado o tarjetahabiente a la transaccion. Se proporcionan los algoritmos de pago seguro para usarse por los programas de autentificacion del comercio electronico para generar los resultados de autentificacion en el formato deseado. En un algoritmo de pago seguro, se usa una clave secreta para cifrar o codificar una concatenacion de un numero de cuenta del tarjetahabiente con informacion a partir de campos designados de la estructura de datos. En otro algoritmo de pago seguro, se usa una par de claves secretas para cifrar una concatenacion del numero de cuenta del tarjetahabiente, la fecha de expiracion de la tarjeta y el codigo de servicio. En ambos casos, las proporciones de los resultados de cifrado se usan para definir el codigo de autentificacion del comerciante.
Applications Claiming Priority (3)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US47718703P | 2003-06-10 | 2003-06-10 | |
PCT/US2004/017756 WO2005001618A2 (en) | 2003-06-04 | 2004-06-04 | Customer authentication in e-commerce transactions |
PCT/US2004/018658 WO2005001635A2 (en) | 2003-06-10 | 2004-06-10 | Systems and methods for conducting secure payment transactions using a formatted data structure |
Publications (1)
Publication Number | Publication Date |
---|---|
MXPA05013422A true MXPA05013422A (es) | 2006-03-17 |
Family
ID=35985301
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
MXPA05013422A MXPA05013422A (es) | 2003-06-10 | 2004-06-10 | Sistemas y metodos para conducir transacciones de pago seguro usando una estructura de datos formateada. |
Country Status (19)
Country | Link |
---|---|
US (1) | US7801825B2 (es) |
EP (1) | EP1636680B1 (es) |
JP (1) | JP2007517272A (es) |
KR (1) | KR20060070484A (es) |
CN (1) | CN1926567A (es) |
AU (2) | AU2004252882A1 (es) |
BR (1) | BRPI0411286B1 (es) |
CA (1) | CA2529011A1 (es) |
CY (1) | CY1117808T1 (es) |
DK (1) | DK1636680T3 (es) |
ES (1) | ES2581236T3 (es) |
HK (1) | HK1090143A1 (es) |
HU (1) | HUE029807T2 (es) |
MX (1) | MXPA05013422A (es) |
PL (1) | PL1636680T3 (es) |
PT (1) | PT1636680T (es) |
SI (1) | SI1636680T1 (es) |
WO (1) | WO2005001635A2 (es) |
ZA (1) | ZA200600211B (es) |
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-
2004
- 2004-06-10 MX MXPA05013422A patent/MXPA05013422A/es active IP Right Grant
- 2004-06-10 AU AU2004252882A patent/AU2004252882A1/en not_active Abandoned
- 2004-06-10 CA CA002529011A patent/CA2529011A1/en not_active Abandoned
- 2004-06-10 CN CNA2004800201166A patent/CN1926567A/zh active Pending
- 2004-06-10 PL PL04776493.1T patent/PL1636680T3/pl unknown
- 2004-06-10 EP EP04776493.1A patent/EP1636680B1/en not_active Expired - Lifetime
- 2004-06-10 KR KR1020057023751A patent/KR20060070484A/ko not_active Application Discontinuation
- 2004-06-10 BR BRPI0411286A patent/BRPI0411286B1/pt active IP Right Grant
- 2004-06-10 WO PCT/US2004/018658 patent/WO2005001635A2/en active Application Filing
- 2004-06-10 SI SI200432333A patent/SI1636680T1/sl unknown
- 2004-06-10 DK DK04776493.1T patent/DK1636680T3/en active
- 2004-06-10 ES ES04776493.1T patent/ES2581236T3/es not_active Expired - Lifetime
- 2004-06-10 PT PT47764931T patent/PT1636680T/pt unknown
- 2004-06-10 US US10/560,177 patent/US7801825B2/en active Active
- 2004-06-10 HU HUE04776493A patent/HUE029807T2/en unknown
- 2004-06-10 JP JP2006533741A patent/JP2007517272A/ja active Pending
-
2006
- 2006-01-09 ZA ZA200600211A patent/ZA200600211B/en unknown
- 2006-09-04 HK HK06109830.9A patent/HK1090143A1/zh not_active IP Right Cessation
-
2011
- 2011-04-27 AU AU2011201884A patent/AU2011201884B2/en not_active Ceased
-
2016
- 2016-07-08 CY CY20161100647T patent/CY1117808T1/el unknown
Also Published As
Publication number | Publication date |
---|---|
US20070143227A1 (en) | 2007-06-21 |
AU2011201884A1 (en) | 2011-05-19 |
PL1636680T3 (pl) | 2016-10-31 |
CA2529011A1 (en) | 2005-01-06 |
BRPI0411286B1 (pt) | 2016-12-20 |
EP1636680A2 (en) | 2006-03-22 |
HUE029807T2 (en) | 2017-03-28 |
CY1117808T1 (el) | 2017-05-17 |
WO2005001635A2 (en) | 2005-01-06 |
US7801825B2 (en) | 2010-09-21 |
JP2007517272A (ja) | 2007-06-28 |
DK1636680T3 (en) | 2016-07-18 |
EP1636680B1 (en) | 2016-04-13 |
KR20060070484A (ko) | 2006-06-23 |
PT1636680T (pt) | 2016-07-15 |
EP1636680A4 (en) | 2013-03-13 |
ES2581236T3 (es) | 2016-09-02 |
SI1636680T1 (sl) | 2016-08-31 |
AU2011201884B2 (en) | 2011-09-08 |
AU2004252882A1 (en) | 2005-01-06 |
CN1926567A (zh) | 2007-03-07 |
HK1090143A1 (zh) | 2006-12-15 |
ZA200600211B (en) | 2007-04-25 |
BRPI0411286A (pt) | 2006-08-01 |
WO2005001635A3 (en) | 2006-10-12 |
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