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
Application number
MXPA05013422A
Other languages
English (en)
Inventor
Bruce J Rutherford
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
Priority claimed from PCT/US2004/017756 external-priority patent/WO2005001618A2/en
Application filed by Mastercard International Inc filed Critical Mastercard International Inc
Publication of MXPA05013422A publication Critical patent/MXPA05013422A/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
    • G06Q20/04—Payment circuits
    • 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
    • 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
    • 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
    • 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
    • G06Q30/00—Commerce
    • G06Q30/04—Billing or invoicing
    • 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
    • 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

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.
MXPA05013422A 2003-06-10 2004-06-10 Sistemas y metodos para conducir transacciones de pago seguro usando una estructura de datos formateada. MXPA05013422A (es)

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)

Families Citing this family (70)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7239226B2 (en) 2001-07-10 2007-07-03 American Express Travel Related Services Company, Inc. System and method for payment using radio frequency identification in contact and contactless transactions
US7493288B2 (en) 2001-07-10 2009-02-17 Xatra Fund Mx, Llc RF payment via a mobile device
US7249112B2 (en) 2002-07-09 2007-07-24 American Express Travel Related Services Company, Inc. System and method for assigning a funding source for a radio frequency identification device
US7360694B2 (en) 2003-01-23 2008-04-22 Mastercard International Incorporated System and method for secure telephone and computer transactions using voice authentication
US7740168B2 (en) 2003-08-18 2010-06-22 Visa U.S.A. Inc. Method and system for generating a dynamic verification value
US7761374B2 (en) 2003-08-18 2010-07-20 Visa International Service Association Method and system for generating a dynamic verification value
US20050279827A1 (en) * 2004-04-28 2005-12-22 First Data Corporation Methods and systems for providing guaranteed merchant transactions
JP4843208B2 (ja) * 2004-09-30 2011-12-21 株式会社東芝 デジタルコンテンツ編集装置、デジタルコンテンツ編集方法、デジタルコンテンツ編集プログラムおよびデジタルコンテンツ編集プログラムを記録した記録媒体
US8396922B2 (en) 2005-11-18 2013-03-12 Aol Inc. Promoting interoperability of presence-based systems through the use of ubiquitous online identities
JP4564464B2 (ja) * 2006-01-05 2010-10-20 株式会社東芝 デジタルコンテンツ再生装置、方法およびプログラム
JP5294880B2 (ja) 2006-03-02 2013-09-18 ヴィザ インターナショナル サーヴィス アソシエイション メール注文及び電話注文における二要素認証を実施するための方法及びシステム
US9065643B2 (en) 2006-04-05 2015-06-23 Visa U.S.A. Inc. System and method for account identifier obfuscation
US7818264B2 (en) 2006-06-19 2010-10-19 Visa U.S.A. Inc. Track data encryption
JP4913530B2 (ja) * 2006-10-16 2012-04-11 株式会社野村総合研究所 暗号処理装置、暗号処理方法および暗号処理プログラム
US7823774B2 (en) * 2007-03-26 2010-11-02 International Business Machines Corporation Method, apparatus, and article of manufacture for automatic verification of transactions made over an insecure network
US8423479B2 (en) * 2007-05-07 2013-04-16 Yahoo! Inc. Trusted third party clearing house for lead tracking
US8121956B2 (en) * 2007-06-25 2012-02-21 Visa U.S.A. Inc. Cardless challenge systems and methods
US20100169218A1 (en) * 2007-06-27 2010-07-01 Koninklijke Philips Electronics N.V. Secure authentication of lectronic prescriptions
US9589152B2 (en) * 2007-09-19 2017-03-07 Visa U.S.A. Inc. System and method for sensitive data field hashing
EP2212842B1 (en) * 2007-10-03 2014-06-18 Gmx Sas System and method for secure management of transactions
US20100027786A1 (en) * 2008-02-14 2010-02-04 Patrick Faith Dynamic encryption authentication
US8935528B2 (en) * 2008-06-26 2015-01-13 Microsoft Corporation Techniques for ensuring authentication and integrity of communications
CA2742963A1 (en) 2008-11-06 2010-05-14 Visa International Service Association Online challenge-response
US8826397B2 (en) * 2009-01-15 2014-09-02 Visa International Service Association Secure remote authentication through an untrusted network
US8317090B2 (en) * 2009-03-27 2012-11-27 Mastercard International Incorporated Methods and systems for performing a financial transaction
US8261977B2 (en) * 2009-03-27 2012-09-11 Mastercard International Incorporated Methods and systems for using an interface and protocol extensions to perform a financial transaction
WO2010124212A2 (en) 2009-04-23 2010-10-28 The University Of Chicago Materials and methods for the preparation of nanocomposites
US9715681B2 (en) 2009-04-28 2017-07-25 Visa International Service Association Verification of portable consumer devices
US9105027B2 (en) 2009-05-15 2015-08-11 Visa International Service Association Verification of portable consumer device for secure services
US8534564B2 (en) 2009-05-15 2013-09-17 Ayman Hammad Integration of verification tokens with mobile communication devices
US8893967B2 (en) 2009-05-15 2014-11-25 Visa International Service Association Secure Communication of payment information to merchants using a verification token
US9038886B2 (en) 2009-05-15 2015-05-26 Visa International Service Association Verification of portable consumer devices
CA2780278A1 (en) * 2009-11-04 2011-05-12 Visa International Service Association Verification of portable consumer devices for 3-d secure services
US9240005B2 (en) * 2009-11-06 2016-01-19 Mastercard International, Incorporated Methods for risk management in payment-enabled mobile device
WO2011136730A1 (en) * 2010-04-28 2011-11-03 Show & Pay Ab A method and an apparatus for improved electronic transaction security
WO2012021864A2 (en) 2010-08-12 2012-02-16 Mastercard International, Inc. Multi-commerce channel wallet for authenticated transactions
US20120072346A1 (en) * 2010-09-16 2012-03-22 Yomir Sp System and method for securing and authenticating purchase transactions
KR101895243B1 (ko) 2011-03-04 2018-10-24 비자 인터네셔널 서비스 어소시에이션 지불 능력을 컴퓨터들의 보안 엘리먼트들에 통합
US9280765B2 (en) 2011-04-11 2016-03-08 Visa International Service Association Multiple tokenization for authentication
US10282724B2 (en) 2012-03-06 2019-05-07 Visa International Service Association Security system incorporating mobile device
US9576279B2 (en) * 2012-06-05 2017-02-21 Autoscribe Corporation System and method for registering financial accounts
US10304047B2 (en) * 2012-12-07 2019-05-28 Visa International Service Association Token generating component
US20150039506A1 (en) * 2013-08-05 2015-02-05 Mastercard International Incorporated Methods and systems for providing 3-d secure service on-behalf-of merchants
GB2517723A (en) * 2013-08-29 2015-03-04 Belegin Ltd Token verification
US9471913B1 (en) * 2013-10-23 2016-10-18 Compass Plus US, Corp. Method and system for cardless processing of E-invoicing
CN103561115B (zh) * 2013-11-19 2016-09-28 北京奇虎科技有限公司 实时获取电子码的方法、开放平台及系统
SG10201803986RA (en) * 2013-12-02 2018-06-28 Mastercard International Inc Method and system for secure transmission of remote notification service messages to mobile devices without secure elements
FR3018378A1 (fr) * 2014-03-12 2015-09-11 Enrico Maim Systeme et procede transactionnels a architecture repartie fondees sur des transactions de transferts d'unites de compte entre adresses
US20150317630A1 (en) * 2014-04-30 2015-11-05 MasterCard Incorporated International Method and system for authentication token generation
AU2015296239A1 (en) * 2014-07-30 2017-02-02 Visa International Service Association Authentication system with message conversion
US9906367B2 (en) * 2014-08-05 2018-02-27 Sap Se End-to-end tamper protection in presence of cloud integration
US9999924B2 (en) 2014-08-22 2018-06-19 Sigma Labs, Inc. Method and system for monitoring additive manufacturing processes
SG10201406521TA (en) * 2014-10-10 2016-05-30 Mastercard Asia Pacific Pte Ltd Methods and systems for secure online payment
US10891622B2 (en) * 2014-11-13 2021-01-12 Mastercard International Incorporated Providing online cardholder authentication services on-behalf-of issuers
US10786948B2 (en) 2014-11-18 2020-09-29 Sigma Labs, Inc. Multi-sensor quality inference and control for additive manufacturing processes
CN105825371A (zh) * 2015-01-07 2016-08-03 阿里巴巴集团控股有限公司 业务处理方法和装置
WO2016115284A1 (en) 2015-01-13 2016-07-21 Sigma Labs, Inc. Material qualification system and methodology
BR112017017425A2 (pt) * 2015-02-14 2018-04-03 Valimail Inc meio de armazenamento legível por computador não transitório configurado para armazenar instruções e processo implementado por computador
US9825946B2 (en) * 2015-08-27 2017-11-21 Mastercard International Incorporated Method and system for enhanced validation of cryptograms in cloud-based systems
GB201516617D0 (en) * 2015-09-18 2015-11-04 Mastercard International Inc Verification for payment transations
US10207489B2 (en) 2015-09-30 2019-02-19 Sigma Labs, Inc. Systems and methods for additive manufacturing operations
US20170109752A1 (en) * 2015-10-15 2017-04-20 Mastercard International Incorporated Utilizing enhanced cardholder authentication token
GB201601796D0 (en) * 2016-02-01 2016-03-16 Comcarde Ltd Payment handling apparatus and method
EP3433811A1 (en) * 2016-03-21 2019-01-30 Mastercard International Incorporated Method and system for recording point to point transaction processing
US10311250B2 (en) * 2016-04-05 2019-06-04 Vchain Technology Limited Method and system for managing personal information within independent computer systems and digital networks
RU2716042C1 (ru) * 2016-07-15 2020-03-05 Кардиналкоммерс Корпорейшн Мост между аутентификацией и авторизацией с использованием расширенных сообщений
US11080697B2 (en) 2017-10-05 2021-08-03 Mastercard International Incorporated Systems and methods for use in authenticating users in connection with network transactions
ES2928645T3 (es) * 2018-04-05 2022-11-21 Nokia Technologies Oy Gestión de identificador de suscripción unificada en sistemas de comunicación
US11283621B1 (en) * 2019-11-13 2022-03-22 Worldpay, Llc Methods and systems for enhanced endpoint identity validation in electronic transactions
US11722500B2 (en) 2020-04-01 2023-08-08 Paypal, Inc. Secure identity verification marketplace using hashed data and forward hashing search functions

Family Cites Families (20)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6044205A (en) * 1996-02-29 2000-03-28 Intermind Corporation Communications system for transferring information between memories according to processes transferred with the information
US7133845B1 (en) * 1995-02-13 2006-11-07 Intertrust Technologies Corp. System and methods for secure transaction management and electronic rights protection
US6157721A (en) * 1996-08-12 2000-12-05 Intertrust Technologies Corp. Systems and methods using cryptography to protect secure computing environments
US5809144A (en) * 1995-08-24 1998-09-15 Carnegie Mellon University Method and apparatus for purchasing and delivering digital goods over a network
US5748740A (en) * 1995-09-29 1998-05-05 Dallas Semiconductor Corporation Method, apparatus, system and firmware for secure transactions
US6138107A (en) * 1996-01-04 2000-10-24 Netscape Communications Corporation Method and apparatus for providing electronic accounts over a public network
US6038551A (en) * 1996-03-11 2000-03-14 Microsoft Corporation System and method for configuring and managing resources on a multi-purpose integrated circuit card using a personal computer
US6029150A (en) * 1996-10-04 2000-02-22 Certco, Llc Payment and transactions in electronic commerce system
US6590588B2 (en) * 1998-05-29 2003-07-08 Palm, Inc. Wireless, radio-frequency communications using a handheld computer
US7047416B2 (en) * 1998-11-09 2006-05-16 First Data Corporation Account-based digital signature (ABDS) system
FR2787273B1 (fr) 1998-12-14 2001-02-16 Sagem Procede de paiement securise
US6529885B1 (en) * 1999-03-18 2003-03-04 Oracle Corporation Methods and systems for carrying out directory-authenticated electronic transactions including contingency-dependent payments via secure electronic bank drafts
US7249097B2 (en) * 1999-06-18 2007-07-24 Echarge Corporation Method for ordering goods, services, and content over an internetwork using a virtual payment account
US20010032154A1 (en) 1999-12-17 2001-10-18 Eric Schummer Internet communications and e-commerce platform
US7827115B2 (en) 2000-04-24 2010-11-02 Visa International Service Association Online payer authentication service
CA2417901C (en) * 2000-08-04 2013-01-22 First Data Corporation Entity authentication in electronic communications by providing verification status of device
US6915279B2 (en) * 2001-03-09 2005-07-05 Mastercard International Incorporated System and method for conducting secure payment transactions
AU2002254513B8 (en) 2001-04-02 2008-02-21 Mastercard International Incorporated System and method for conducting secure payment transactions
US7707120B2 (en) * 2002-04-17 2010-04-27 Visa International Service Association Mobile account authentication service
US7349871B2 (en) * 2002-08-08 2008-03-25 Fujitsu Limited Methods for purchasing of goods and services

Also Published As

Publication number Publication date
HK1090143A1 (zh) 2006-12-15
BRPI0411286A (pt) 2006-08-01
US7801825B2 (en) 2010-09-21
CA2529011A1 (en) 2005-01-06
WO2005001635A2 (en) 2005-01-06
CN1926567A (zh) 2007-03-07
AU2004252882A1 (en) 2005-01-06
DK1636680T3 (en) 2016-07-18
SI1636680T1 (sl) 2016-08-31
EP1636680A4 (en) 2013-03-13
KR20060070484A (ko) 2006-06-23
PL1636680T3 (pl) 2016-10-31
HUE029807T2 (en) 2017-03-28
ZA200600211B (en) 2007-04-25
PT1636680T (pt) 2016-07-15
ES2581236T3 (es) 2016-09-02
EP1636680B1 (en) 2016-04-13
US20070143227A1 (en) 2007-06-21
JP2007517272A (ja) 2007-06-28
AU2011201884B2 (en) 2011-09-08
WO2005001635A3 (en) 2006-10-12
BRPI0411286B1 (pt) 2016-12-20
EP1636680A2 (en) 2006-03-22
CY1117808T1 (el) 2017-05-17
AU2011201884A1 (en) 2011-05-19

Similar Documents

Publication Publication Date Title
MXPA05013422A (es) Sistemas y metodos para conducir transacciones de pago seguro usando una estructura de datos formateada.
CN105701661B (zh) 用于安全配置、传送和验证支付数据的方法、装置和系统
JP6374906B2 (ja) トラックデータ暗号化
CA2691789C (en) System and method for account identifier obfuscation
US7039809B1 (en) Asymmetric encrypted pin
AU2009212221B2 (en) Key delivery system and method
US20070170247A1 (en) Payment card authentication system and method
JP2003534585A (ja) コンピュータネットワークを越える安全な支払い方法およびそのシステム
WO2013072437A1 (en) Key protected nfc tag method and system, and a method for diversify coupon on a viral distribution chain by nfc
JP2004500671A (ja) コンピューターネットワークを介して安全な支払いを実行する改良方法及びシステム
SG128516A1 (en) Updating a mobile payment device
CN102609842B (zh) 一种基于硬件签名设备的支付密码装置及其应用方法
KR19980048462A (ko) 신용카드 기반 전자 지불방법
CN107636664B (zh) 用于向移动设备供应访问数据的方法、设备和装置
AU2015200719B2 (en) Key delivery system and method
BRPI0713622A2 (pt) métado para seguramente fornecer número de conta primário associado com um dispositivo de consumidor portátil, dispositivo de consumidor portátil, meio legìvel por computador, e, servidor
Assora et al. A web transaction security scheme based on disposable credit card numbers
Shao-bin et al. ACSEPP on-line electronic payment protocol
Xiao et al. A purchase protocol with multichannel authentication
KR20060020305A (ko) 모바일 통합안전 인증 프로토콜을 이용한 인증방법

Legal Events

Date Code Title Description
FG Grant or registration