RU2011151051A - Верификация портативных потребительских устройств - Google Patents
Верификация портативных потребительских устройств Download PDFInfo
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/20—Point-of-sale [POS] network systems
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- 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
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR 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
- G06F21/35—User authentication involving the use of external additional devices, e.g. dongles or smart cards communicating wirelessly
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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
- G06Q20/08—Payment architectures
- G06Q20/12—Payment architectures specially adapted for electronic shopping systems
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- 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
- G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
- G06Q20/3255—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks using mobile network messaging services for payment, e.g. SMS
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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
- G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
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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
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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
- G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
- G06Q20/425—Confirmation, e.g. check or permission by the legal debtor of payment using two different networks, one for transaction and one for security confirmation
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Abstract
1. Маркер верификации, содержащий:- периферийный интерфейс, выполненный, чтобы соединяться с периферийным интерфейсом компьютера;- считыватель, выполненный, чтобы считывать идентификационную информацию из портативных потребительских устройств;- компьютерно-читаемый носитель;- процессор данных, электрически соединенный с периферийным интерфейсом маркера верификации, считывателем и компьютерно-читаемым носителем;- код, воплощенный на компьютерно-читаемом носителе, который инструктирует процессору данных принимать идентификационную информацию, считанную из портативного потребительского устройства посредством считывателя;- код, воплощенный на компьютерно-читаемом носителе, который инструктирует процессору данных осуществлять связь с компьютером посредством периферийного интерфейса маркера верификации и получать доступ к сетевому средству компьютера;- код, воплощенный на компьютерно-читаемом носителе, который инструктирует процессору данных передавать посредством сетевого средства компьютера, по меньшей мере, часть принимаемой идентификационной информации в объект, который может предоставлять значение верификации устройства; и- код, воплощенный на компьютерно-читаемом носителе, который инструктирует процессору данных принимать после передачи упомянутой идентификационной информации значение верификации устройства из объекта посредством сетевого средства компьютера.2. Маркер верификации по п.1, в котором периферийный интерфейс маркера верификации содержит разъем универсальной последовательной шины.3. Маркер верификации по п.1, в котором идентификационная информация зашифрована и включает �
Claims (24)
1. Маркер верификации, содержащий:
- периферийный интерфейс, выполненный, чтобы соединяться с периферийным интерфейсом компьютера;
- считыватель, выполненный, чтобы считывать идентификационную информацию из портативных потребительских устройств;
- компьютерно-читаемый носитель;
- процессор данных, электрически соединенный с периферийным интерфейсом маркера верификации, считывателем и компьютерно-читаемым носителем;
- код, воплощенный на компьютерно-читаемом носителе, который инструктирует процессору данных принимать идентификационную информацию, считанную из портативного потребительского устройства посредством считывателя;
- код, воплощенный на компьютерно-читаемом носителе, который инструктирует процессору данных осуществлять связь с компьютером посредством периферийного интерфейса маркера верификации и получать доступ к сетевому средству компьютера;
- код, воплощенный на компьютерно-читаемом носителе, который инструктирует процессору данных передавать посредством сетевого средства компьютера, по меньшей мере, часть принимаемой идентификационной информации в объект, который может предоставлять значение верификации устройства; и
- код, воплощенный на компьютерно-читаемом носителе, который инструктирует процессору данных принимать после передачи упомянутой идентификационной информации значение верификации устройства из объекта посредством сетевого средства компьютера.
2. Маркер верификации по п.1, в котором периферийный интерфейс маркера верификации содержит разъем универсальной последовательной шины.
3. Маркер верификации по п.1, в котором идентификационная информация зашифрована и включает в себя номер счета портативного потребительского устройства и, по меньшей мере, одно из следующего: цифрового отпечатка магнитной полосы портативного потребительского устройства или переменного элемента данных, который варьируется каждый раз, когда портативное потребительское устройство считывается на предмет идентификационной информации.
4. Маркер верификации по п.1, в котором код, который инструктирует процессору данных осуществлять связь с компьютером, содержит код, который инструктирует процессору данных отправлять драйвер устройства в компьютер, и инструкцию, чтобы устанавливать драйвер устройства в операционной системе компьютера, при этом драйвер устройства предоставляет возможность компьютеру распознавать маркер верификации и осуществлять связь с маркером верификации;
- в котором код, который инструктирует процессору данных получать доступ к сетевому средству компьютера, содержит вызов функции в модуль сетевых служб операционной системы компьютера.
5. Маркер верификации по п.1, дополнительно содержащий порядковый номер и ключ шифрования, и при этом маркер верификации передает порядковый номер и сообщение, зашифрованное посредством ключа шифрования, в объект, причем порядковый номер и ключ шифрования уникально назначены маркеру верификации.
6. Маркер верификации по п.1, дополнительно содержащий:
- код, воплощенный на компьютерно-читаемом носителе, который инструктирует процессору данных находить веб-страницу обозревателя на компьютере, которая имеет поле формы для значения верификации устройства, и вводить значение верификации устройства, принятое из объекта, в поле формы.
7. Маркер верификации по п.1, дополнительно содержащий:
- код, воплощенный на компьютерно-читаемом носителе, который инструктирует процессору данных находить веб-страницу обозревателя на компьютере, которая имеет скрытое поле для значения верификации устройства, и вводить значение верификации устройства, принятое из объекта, в скрытое поле.
8. Маркер верификации по п.1, дополнительно содержащий:
- код, воплощенный на компьютерно-читаемом носителе, который инструктирует процессору данных отображать значение верификации устройства, принятое из объекта, пользователю на дисплее компьютера.
9. Маркер верификации по п.1, в котором код, который инструктирует процессору данных принимать значение верификации устройства из объекта, дополнительно инструктирует процессору данных принимать динамический номер счета из объекта.
10. Маркер верификации по п.9, дополнительно содержащий:
- код, воплощенный на компьютерно-читаемом носителе, который инструктирует процессору данных находить веб-страницу обозревателя на компьютере, которая имеет первое поле формы для номера счета и второе поле формы для значения верификации устройства, и заполнять первое поле динамическим номером счета и второе поле значением верификации устройства, принятым из объекта.
11. Маркер верификации по п.9, дополнительно содержащий:
- код, воплощенный на компьютерно-читаемом носителе, который инструктирует процессору данных отображать динамический номер счета и значение верификации устройства, принятое из объекта, пользователю на дисплейном устройстве компьютера.
12. Маркер верификации по п.1, в котором код, который инструктирует процессору данных принимать значение верификации устройства из объекта, дополнительно инструктирует процессору данных принимать информацию адреса из объекта; и
- в котором маркер верификации дополнительно содержит код, воплощенный на компьютерно-читаемом носителе, который инструктирует процессору данных находить веб-страницу обозревателя на компьютере, которая имеет множество полей формы для информации адреса, и заполнять упомянутые поля соответствующими частями информации адреса, принятой из объекта.
13. Маркер верификации по п.1, дополнительно содержащий код, который инструктирует процессору данных получать информацию адреса из компьютерно-читаемого носителя; и
- код, воплощенный на компьютерно-читаемом носителе, который инструктирует процессору данных находить веб-страницу обозревателя на компьютере, которая имеет множество полей формы для информации адреса, и заполнять упомянутые поля соответствующими частями полученной информации адреса.
14. Маркер верификации по п.1, дополнительно содержащий:
- код, воплощенный на компьютерно-читаемом носителе, который инструктирует процессору данных предлагать пользователю вводить пароль на клавиатуре компьютера, считывать пароль, введенный пользователем, и сравнивать введенный пароль с сохраненным паролем, воплощенным на компьютерно-читаемом носителе; и
- код, воплощенный на компьютерно-читаемом носителе, который инструктирует процессору данных предотвратить, по меньшей мере, считывание или отправку идентификационной информации, когда считанный пароль не является идентичным сохраненному паролю.
15. Маркер верификации по п.1, дополнительно содержащий:
- код, воплощенный на компьютерно-читаемом носителе, который инструктирует процессору данных устанавливать с использованием сетевого средства компьютера сеанс связи с объектом, который может предоставлять значение верификации устройства; и
- код, воплощенный на компьютерно-читаемом носителе, который инструктирует процессору данных передавать, по меньшей мере, часть принимаемой идентификационной информации с использованием установленного сеанса связи.
16. Маркер верификации по п.15, в котором код, который инструктирует процессору данных устанавливать сеанс связи с объектом с использованием сетевого средства компьютера, содержит один или более вызовов функций в интерфейс прикладного программирования модуля сетевых служб компьютера, причем один или более вызовов функций предоставляют универсальный идентификатор ресурса объекта и инструкции, чтобы устанавливать сеанс связи с объектом, при этом универсальный идентификатор ресурса сохранен на компьютерно-читаемом носителе или считывается из портативного потребительского устройства.
17. Маркер верификации по п.16, в котором сеанс связи устанавливается до того, как процессор данных считывает данные устройства из считывателя.
18. Маркер верификации по п.16, дополнительно содержащий код, который инструктирует процессору данных выбирать один из определенного числа универсальных идентификаторов ресурсов, сохраненных в маркере, на основе номера банка, предоставленного в считанной идентификационной информации или встроенного в номер счета считанной идентификационной информации.
19. Маркер верификации по п.1, дополнительно содержащий код, который инструктирует процессору шифровать, по меньшей мере, часть идентификационной информации до ее передачи в объект, который может предоставлять значение верификации устройства.
20. Способ, содержащий этапы, на которых:
- устанавливают линию связи между маркером верификации и компьютером, причем компьютер имеет сетевое средство;
- считывают идентификационную информацию из портативного потребительского устройства в маркер верификации;
- передают считанную идентификационную информацию из маркера верификации в объект, который может предоставлять значение верификации устройства, через сетевое средство компьютера; и
- после передачи идентификационной информации принимают в маркере верификации значение верификации устройства из объекта посредством сетевого средства компьютера.
21. Способ по п.20, дополнительно содержащий этап, на котором шифруют в маркере верификации, по меньшей мере, часть идентификационной информации, считанной из портативного потребительского устройства, с использованием ключа шифрования, сохраненного в маркере верификации.
22. Способ по п.20, дополнительно содержащий этапы, на которых:
- предлагают пользователю вводить пароль в компьютер;
- считывают пароль, введенный пользователем;
- сравнивают введенный пароль с паролем, сохраненным в маркере верификации; и
- предотвращают, по меньшей мере, считывание или отправку идентификационной информации, когда считанный пароль не является идентичным сохраненному паролю.
23. Способ, содержащий этапы, на которых:
- считывают идентификационную информацию из портативного потребительского устройства в маркер верификации, временно соединенный с компьютером;
- устанавливают первую связь между маркером верификации и компьютером, причем компьютер имеет сетевое средство; и
- устанавливают вторую связь между маркером верификации и объектом проверки достоверности с использованием сетевого средства компьютера.
24. Способ по п.23, в котором маркер верификации соединяют с возможностью отсоединения с компьютером.
Applications Claiming Priority (5)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US17863609P | 2009-05-15 | 2009-05-15 | |
US61/178,636 | 2009-05-15 | ||
US12/712,148 | 2010-02-24 | ||
US12/712,148 US7891560B2 (en) | 2009-05-15 | 2010-02-24 | Verification of portable consumer devices |
PCT/US2010/034960 WO2010132808A2 (en) | 2009-05-15 | 2010-05-14 | Verification of portable consumer devices |
Related Child Applications (1)
Application Number | Title | Priority Date | Filing Date |
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RU2014107429A Division RU2645593C2 (ru) | 2009-05-15 | 2014-02-26 | Верификация портативных потребительских устройств |
Publications (2)
Publication Number | Publication Date |
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RU2011151051A true RU2011151051A (ru) | 2013-06-20 |
RU2518680C2 RU2518680C2 (ru) | 2014-06-10 |
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Cited By (2)
Publication number | Priority date | Publication date | Assignee | Title |
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US11188903B2 (en) | 2015-08-14 | 2021-11-30 | Mastercard International Incorporated | Managing customer uniqueness in tokenised systems |
US11210665B2 (en) | 2015-08-14 | 2021-12-28 | Mastercard International Incorporated | Managing customer uniqueness in tokenised systems |
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RU2014107429A (ru) | 2015-09-10 |
CA2937850A1 (en) | 2010-11-18 |
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EP2430602B1 (en) | 2018-11-28 |
WO2010132808A3 (en) | 2011-02-17 |
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BRPI1012797A2 (pt) | 2018-03-13 |
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AU2010248794B2 (en) | 2013-12-05 |
CA2937850C (en) | 2020-09-15 |
US20110108623A1 (en) | 2011-05-12 |
EP2430602A2 (en) | 2012-03-21 |
US8827154B2 (en) | 2014-09-09 |
WO2010132808A2 (en) | 2010-11-18 |
US20100293189A1 (en) | 2010-11-18 |
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