RU2016104765A - Обработка защищенных удаленных платежных транзакций - Google Patents
Обработка защищенных удаленных платежных транзакций Download PDFInfo
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- 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
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- 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]
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
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- G06Q20/326—Payment applications installed on the mobile devices
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
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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
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Claims (43)
1. Способ обработки удаленной транзакции, инициируемой посредством мобильного устройства, при этом способ содержит этапы, на которых:
- принимают, посредством серверного компьютера, запрос на осуществление платежа, включающий в себя зашифрованную платежную информацию, причем зашифрованная платежная информация формируется посредством мобильного платежного приложения мобильного устройства, при этом зашифрованная платежная информация зашифрована с использованием стороннего ключа;
- дешифруют, посредством серверного компьютера, зашифрованную платежную информацию с использованием стороннего ключа;
- определяют, посредством серверного компьютера, открытый ключ процессора транзакций, ассоциированный с платежной информацией;
- повторно шифруют, посредством серверного компьютера, платежную информацию с использованием открытого ключа процессора транзакций; и
- отправляют, посредством серверного компьютера, ответ по осуществлению платежа, включающий в себя повторно зашифрованную платежную информацию, в процессор транзакций, при этом процессор транзакций дешифрует повторно зашифрованную платежную информацию с использованием закрытого ключа процессора транзакций и инициирует платежную транзакцию с использованием дешифрованной платежной информации.
2. Способ по п. 1, в котором зашифрованная платежная информация включает в себя зашифрованные платежные учетные данные и незашифрованную информацию транзакции.
3. Способ по п. 1, в котором платежные учетные данные сохраняются в защищенном запоминающем устройстве мобильного устройства, и мобильное платежное приложение получает платежные учетные данные из защищенного запоминающего устройства.
4. Способ по п. 3, в котором платежные учетные данные включают в себя идентификатор счета и дату истечения срока действия.
5. Способ по п. 4, в котором платежные учетные данные дополнительно включают в себя динамическое значение, сформированное с использованием совместно используемого алгоритма, ассоциированного с сетью обработки платежей.
6. Способ по п. 1, в котором сообщение запроса на осуществление платежа дополнительно содержит сертификат процессора транзакций, при этом определение открытого ключа процессора транзакций дополнительно содержит этапы, на которых:
- проверяют достоверность того, что сертификат процессора транзакций является подлинным;
- проверяют подлинность на предмет того, что сертификат процессора транзакций является в данный момент допустимым, с помощью центра сертификации; и
- извлекают открытый ключ процессора транзакций из сертификата процессора транзакций.
7. Способ по п. 1, в котором процессор транзакций инициирует платежную транзакцию посредством установки соответствия дешифрованной платежной информации с сообщением с запросом на авторизацию, выполненным с возможностью обрабатываться посредством сети обработки платежей.
8. Способ по п. 1, в котором процессор транзакций представляет собой серверный компьютер продавца, открытый ключ процессора транзакций представляет собой открытый ключ продавца, и закрытый ключ процессора транзакций представляет собой закрытый ключ продавца.
9. Способ по п. 1, в котором процессор транзакций представляет собой приложение продавца на мобильном устройстве, открытый ключ процессора транзакций представляет собой открытый ключ приложения продавца, и закрытый ключ процессора транзакций представляет собой закрытый ключ приложения продавца.
10. Способ по п. 9, в котором приложение продавца мобильного устройства инициирует платежную транзакцию посредством отправки дешифрованной платежной информации в серверный компьютер продавца, при этом серверный компьютер продавца формирует сообщение с запросом на авторизацию для платежной транзакции с использованием дешифрованной платежной информации.
11. Способ по п. 1, в котором процессор транзакций представляет собой компьютер эквайера, открытый ключ процессора транзакций представляет собой открытый ключ эквайера, и закрытый ключ процессора транзакций представляет собой закрытый ключ эквайера.
12. Способ по п. 1, в котором сторонний ключ включает в себя стороннюю пару открытого/закрытого ключа, включающую в себя сторонний открытый ключ и сторонний закрытый ключ, при этом зашифрованная платежная информация шифруется с использованием стороннего открытого ключа, и при этом зашифрованная платежная информация дешифруется с использованием стороннего закрытого ключа.
13. Способ по п. 12, в котором серверный компьютер, сторонний открытый ключ и сторонний закрытый ключ ассоциированы с поставщиком мобильных кошельков.
14. Способ по п. 12, в котором серверный компьютер, сторонний открытый ключ и сторонний закрытый ключ ассоциированы с сетью обработки платежей.
15. Способ по п. 1, в котором запрос на осуществление платежа дополнительно содержит сторонний открытый ключ и код аутентификации сообщений, при этом дешифрование зашифрованной платежной информации дополнительно содержит этап, на котором:
- определяют, посредством серверного компьютера, идентификатор счета с использованием зашифрованной платежной информации, кода аутентификации сообщений, стороннего открытого ключа, стороннего закрытого ключа, ассоциированного с серверным компьютером, функции извлечения совместно используемых ключей с помощью мобильного платежного приложения и функции аутентификации совместно используемых сообщений с помощью мобильного платежного приложения, при этом зашифрованная платежная информация сформирована посредством мобильного платежного приложения с использованием идентификатора счета.
16. Серверный компьютер, содержащий:
- процессор; и
- компьютерно-читаемый носитель, соединенный с процессором, причем компьютерно-читаемый носитель содержит код, выполняемый посредством процессора, для осуществления способа обработки удаленной транзакции, при этом способ содержит:
- прием запроса на осуществление платежа, включающего в себя зашифрованную платежную информацию, причем зашифрованная платежная информация формируется посредством мобильного платежного приложения мобильного устройства, при этом зашифрованная платежная информация зашифрована с использованием стороннего ключа;
- дешифрование зашифрованной платежной информации с использованием стороннего ключа;
- определение открытого ключа процессора транзакций, ассоциированного с платежной информацией;
- повторное шифрование платежной информации с использованием открытого ключа процессора транзакций; и
- отправку ответа по осуществлению платежа, включающего в себя повторно зашифрованную платежную информацию, в процессор транзакций, при этом процессор транзакций дешифрует повторно зашифрованную платежную информацию с использованием закрытого ключа процессора транзакций и инициирует платежную транзакцию с использованием дешифрованной платежной информации.
17. Серверный компьютер по п. 16, в котором платежные учетные данные сохранены в защищенном запоминающем устройстве мобильного устройства, и мобильное платежное приложение получает платежные учетные данные из защищенного запоминающего устройства.
18. Серверный компьютер по п. 17, в котором платежные учетные данные включают в себя идентификатор счета и дату истечения срока действия.
19. Серверный компьютер по п. 18, в котором платежные учетные данные дополнительно включают в себя динамическое значение, сформированное с использованием совместно используемого алгоритма, ассоциированного с сетью обработки платежей.
20. Серверный компьютер по п. 16, в котором процессор транзакций инициирует платежную транзакцию посредством установки соответствия дешифрованной платежной информации с сообщением с запросом на авторизацию, выполненным с возможностью обрабатываться посредством сети обработки платежей.
21. Серверный компьютер по п. 16, причем процессор транзакций представляет собой серверный компьютер продавца, открытый ключ процессора транзакций представляет собой открытый ключ продавца, и закрытый ключ процессора транзакций представляет собой закрытый ключ продавца.
22. Серверный компьютер по п. 16, причем процессор транзакций представляет собой приложение продавца на мобильном устройстве, открытый ключ процессора транзакций представляет собой открытый ключ приложения продавца, и закрытый ключ процессора транзакций представляет собой закрытый ключ приложения продавца.
23. Серверный компьютер по п. 22, причем приложение продавца на мобильном устройстве инициирует платежную транзакцию посредством отправки дешифрованной платежной информации в серверный компьютер продавца, и при этом серверный компьютер продавца формирует сообщение с запросом на авторизацию для платежной транзакции.
24. Серверный компьютер по п. 16, причем сообщение запроса на осуществление платежа дополнительно содержит сертификат процессора транзакций, при этом определение открытого ключа процессора транзакций дополнительно содержит:
- проверку достоверности того, что сертификат процессора транзакций является подлинным;
- проверку подлинности на предмет того, что сертификат процессора транзакций является в данный момент допустимым, с помощью центра сертификации; и
- извлечение открытого ключа процессора транзакций из сертификата процессора транзакций.
Applications Claiming Priority (9)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US201361957948P | 2013-07-15 | 2013-07-15 | |
US61/957,948 | 2013-07-15 | ||
US201361863869P | 2013-08-08 | 2013-08-08 | |
US61/863,869 | 2013-08-08 | ||
US201361871814P | 2013-08-29 | 2013-08-29 | |
US61/871,814 | 2013-08-29 | ||
US201361880154P | 2013-09-19 | 2013-09-19 | |
US61/880,154 | 2013-09-19 | ||
PCT/US2014/046764 WO2015009765A1 (en) | 2013-07-15 | 2014-07-15 | Secure remote payment transaction processing |
Publications (3)
Publication Number | Publication Date |
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RU2016104765A true RU2016104765A (ru) | 2017-08-18 |
RU2016104765A3 RU2016104765A3 (ru) | 2018-05-21 |
RU2674329C2 RU2674329C2 (ru) | 2018-12-06 |
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RU2016104765A RU2674329C2 (ru) | 2013-07-15 | 2014-07-15 | Обработка защищенных удаленных платежных транзакций |
Country Status (10)
Country | Link |
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US (3) | US10607212B2 (ru) |
EP (1) | EP3022700B1 (ru) |
JP (2) | JP6371390B2 (ru) |
KR (4) | KR102255458B1 (ru) |
CN (2) | CN105556553B (ru) |
AU (2) | AU2014290143C1 (ru) |
CA (1) | CA2918066A1 (ru) |
RU (1) | RU2674329C2 (ru) |
SG (2) | SG10201800291UA (ru) |
WO (1) | WO2015009765A1 (ru) |
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-
2014
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Cited By (3)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US11055694B2 (en) | 2013-07-15 | 2021-07-06 | Visa International Service Association | Secure remote payment transaction processing |
US11847643B2 (en) | 2013-08-15 | 2023-12-19 | Visa International Service Association | Secure remote payment transaction processing using a secure element |
US11710120B2 (en) | 2013-09-20 | 2023-07-25 | Visa International Service Association | Secure remote payment transaction processing including consumer authentication |
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SG10201800291UA (en) | 2018-02-27 |
KR102119895B1 (ko) | 2020-06-17 |
KR20210061468A (ko) | 2021-05-27 |
KR20200072559A (ko) | 2020-06-22 |
JP6371390B2 (ja) | 2018-08-08 |
RU2674329C2 (ru) | 2018-12-06 |
JP2018185852A (ja) | 2018-11-22 |
AU2018203139A1 (en) | 2018-05-24 |
CA2918066A1 (en) | 2015-01-22 |
KR102123494B1 (ko) | 2020-06-29 |
AU2014290143B2 (en) | 2018-03-01 |
WO2015009765A1 (en) | 2015-01-22 |
CN112116344A (zh) | 2020-12-22 |
US10607212B2 (en) | 2020-03-31 |
RU2016104765A3 (ru) | 2018-05-21 |
CN105556553A (zh) | 2016-05-04 |
EP3022700A1 (en) | 2016-05-25 |
KR102255458B1 (ko) | 2021-05-25 |
US11055694B2 (en) | 2021-07-06 |
JP2016525254A (ja) | 2016-08-22 |
CN105556553B (zh) | 2020-10-16 |
EP3022700B1 (en) | 2023-11-01 |
KR20180136562A (ko) | 2018-12-24 |
KR102442663B1 (ko) | 2022-09-13 |
US20200097948A1 (en) | 2020-03-26 |
US20210295305A1 (en) | 2021-09-23 |
AU2014290143A1 (en) | 2016-02-04 |
SG11201600203PA (en) | 2016-02-26 |
US20150019443A1 (en) | 2015-01-15 |
AU2014290143C1 (en) | 2019-01-03 |
EP3022700A4 (en) | 2017-03-29 |
KR20160030573A (ko) | 2016-03-18 |
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