RU2016117997A - Система сетевых токенов - Google Patents
Система сетевых токенов Download PDFInfo
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- RU2016117997A RU2016117997A RU2016117997A RU2016117997A RU2016117997A RU 2016117997 A RU2016117997 A RU 2016117997A RU 2016117997 A RU2016117997 A RU 2016117997A RU 2016117997 A RU2016117997 A RU 2016117997A RU 2016117997 A RU2016117997 A RU 2016117997A
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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
- G06Q20/38—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
- G06Q20/08—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
- G06Q20/08—Payment architectures
- G06Q20/20—Point-of-sale [POS] network 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
-
- 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
-
- 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
- G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing
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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
Claims (51)
1. Способ, содержащий этапы, на которых:
принимают, с помощью компьютера, сообщение запроса авторизации от запросчика, сообщение запроса авторизации содержит платежный токен, представляющий первичный номер счета, первичный номер счета присвоен эмитентом, при этом сообщение запроса авторизации предназначено для проведения платежной транзакции с использованием первичного номера счета;
принимают, с помощью компьютера, уровень гарантирования токена, ассоциированный с токеном, вместе с данными, использовавшимися для генерации уровня гарантирования токена;
изменяют, с помощью компьютера, сообщение запроса авторизации, чтобы включить в него уровень гарантирования токена и данные, использовавшиеся для генерации уровня гарантирования токена; и
передают, с помощью компьютера, измененное сообщение запроса авторизации эмитенту для одобрения.
2. Способ по п. 1, дополнительно содержащий этапы, на которых:
перед этапом, на котором принимают сообщение запроса авторизации:
принимают, с помощью компьютера, сообщение генерации токена для генерации платежного токена для представления первичного номера счета, сообщение генерации токена включает в себя запрошенный уровень гарантирования токена, ассоциированный с платежным токеном;
генерируют, с помощью компьютера, платежный токен и уровень гарантирования токена, ассоциированный с платежным токеном; и
сохраняют платежный токен, уровень гарантирования токена и первичный номер счета, ассоциированный с платежным токеном, в репозитарии.
3. Способ по п. 2, в котором запрошенный уровень гарантирования токена отличается от уровня гарантирования токена, который сгенерирован и сохранен в репозитарии.
4. Способ по п. 1, в котором уровень гарантирования токена представляет собой уровень доверия в ассоциации между платежным токеном и первичным номером счета, представленным платежным токеном.
5. Способ по п. 1, в котором уровень гарантирования токена основан на способе идентификации и верификации, использовавшемся при генерации платежного токена.
6. Способ по п. 5, в котором уровень гарантирования токена основан на объекте, выполняющем способ верификации и идентификации.
7. Способ по п. 5, в котором уровень гарантирования токена обновляется, когда выполняется дополнительный способ идентификации и верификации для платежного токена.
8. Способ по п. 5, в котором результатом первого способа идентификации и верификации является первый уровень гарантирования токена, а результатом второго способа идентификации и верификации является второй уровень гарантирования токена, отличающийся от первого уровня гарантирования токена.
9. Способ по п. 1, дополнительно содержащий этапы, на которых:
принимают, с помощью компьютера, сообщение ответа на запрос авторизации от эмитента, сообщение ответа на запрос авторизации сгенерировано в ответ на сообщение запроса авторизации; и
передают, с помощью компьютера, сообщение ответа на запрос авторизации, включающее в себя уровень гарантирования токена, запросчику.
10. Способ по п. 1, дополнительно содержащий этапы, на которых:
взаимодействуют с репозитарием, хранящим взаимно-однозначное соответствие между одним или несколькими первичными номерами счета и одним или несколькими платежными токенами, сгенерированными для одного или нескольких первичных номеров счета.
11. Система, содержащая:
процессор; и
невременный машиночитаемый носитель, соединенный с процессором, причем машиночитаемый носитель содержит код, который при исполнении процессором предписывает процессору:
принимать сообщение запроса авторизации от запросчика, сообщение запроса авторизации содержит платежный токен, представляющий первичный номер счета, первичный номер счета присвоен эмитентом, при этом сообщение запроса авторизации предназначено для проведения платежной транзакции с использованием первичного номера счета;
принимать уровень гарантирования токена, ассоциированный с токеном, вместе с данными, использовавшимися для генерации уровня гарантирования токена;
изменять сообщение запроса авторизации для включения в него уровня гарантирования токена и данных, использовавшихся для генерации уровня гарантирования токена; и
передавать измененное сообщение запроса авторизации эмитенту для одобрения.
12. Система по п. 11, в которой код при исполнении процессором дополнительно предписывает процессору:
перед приемом сообщения запроса авторизации:
принимать сообщение генерации токена для генерации платежного токена для представления первичного номера счета, сообщение генерации токена включает в себя запрошенный уровень гарантирования токена, ассоциированный с платежным токеном;
генерировать платежный токен и уровень гарантирования токена, ассоциированный с платежным токеном; и
сохранять уровень гарантирования токена и первичный номер счета, ассоциированный с платежным токеном, в репозитарии.
13. Система по п. 12, в которой запрошенный уровень гарантирования токена отличается от уровня гарантирования токена, который сгенерирован и сохранен в репозитарии.
14. Система по п. 11, в которой уровень гарантирования токена представляет собой уровень доверия в ассоциации между платежным токеном и первичным номером счета, представленным платежным токеном.
15. Система по п. 11, в которой уровень гарантирования токена основан на одном или нескольких способах идентификации и верификации, использовавшихся при генерации платежного токена, и объекте, выполнявшем способ верификации и идентификации.
16. Система по п. 15, в которой уровень гарантирования токена обновляется, когда выполняется дополнительный способ идентификации и верификации для платежного токена.
17. Система по п. 15, в которой результатом первого способа идентификации и верификации является первый уровень гарантирования токена, а результатом второго способа идентификации и верификации является второй уровень гарантирования токена, отличающийся от первого уровня гарантирования токена.
18. Система по п. 11, в которой код при исполнении процессором дополнительно предписывает процессору:
принимать сообщение ответа на запрос авторизации от эмитента, сообщение ответа на запрос авторизации сгенерировано в ответ на сообщение запроса авторизации; и
передавать сообщение ответа на запрос авторизации, включающее в себя уровень гарантирования токена, запросчику.
19. Система по п. 11, дополнительно содержащая:
репозитарий, хранящий взаимно-однозначное соответствие между одним или несколькими первичными номерами счета и одним или несколькими платежными токенами, сгенерированными для одного или нескольких первичных номеров счета,
при этом код при исполнении процессором дополнительно предписывает процессору:
взаимодействовать с репозитарием.
20. Способ, содержащий этапы, на которых:
генерируют, с помощью компьютера, платежный токен и уровень гарантирования токена, ассоциированный с платежным токеном, платежный токен представляет первичный номер счета, присвоенный эмитентом;
посылают, с помощью компьютера, платежный токен запросчику;
принимают, с помощью компьютера, сообщение запроса авторизации от запросчика, сообщение запроса авторизации содержит платежный токен, при этом сообщение запроса авторизации предназначено для проведения платежной транзакции с использованием первичного номера счета;
изменяют, с помощью компьютера, сообщение запроса авторизации для включения в него уровня гарантирования токена и данных, использовавшихся для генерации уровня гарантирования токена; и
передают, с помощью компьютера, измененное сообщение запроса авторизации эмитенту для одобрения.
Applications Claiming Priority (5)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US201361890162P | 2013-10-11 | 2013-10-11 | |
US61/890,162 | 2013-10-11 | ||
US201361906377P | 2013-11-19 | 2013-11-19 | |
US61/906,377 | 2013-11-19 | ||
PCT/US2014/060523 WO2015054697A1 (en) | 2013-10-11 | 2014-10-14 | Network token system |
Related Child Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
RU2019114941A Division RU2792051C2 (ru) | 2013-10-11 | 2014-10-14 | Система сетевых токенов |
Publications (3)
Publication Number | Publication Date |
---|---|
RU2016117997A true RU2016117997A (ru) | 2017-11-16 |
RU2016117997A3 RU2016117997A3 (ru) | 2018-07-16 |
RU2691843C2 RU2691843C2 (ru) | 2019-06-18 |
Family
ID=52813703
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
RU2016117997A RU2691843C2 (ru) | 2013-10-11 | 2014-10-14 | Система сетевых токенов |
Country Status (9)
Country | Link |
---|---|
US (3) | US10891610B2 (ru) |
EP (2) | EP3078156A4 (ru) |
JP (2) | JP6386567B2 (ru) |
CN (1) | CN106464492B (ru) |
AU (2) | AU2014331673B2 (ru) |
CA (1) | CA2927052C (ru) |
RU (1) | RU2691843C2 (ru) |
SG (1) | SG10201807955WA (ru) |
WO (1) | WO2015054697A1 (ru) |
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US11710119B2 (en) | 2013-10-11 | 2023-07-25 | Visa International Service Association | Network token system |
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CA2927052A1 (en) | 2015-04-16 |
EP3078156A1 (en) | 2016-10-12 |
AU2018213991B2 (en) | 2019-05-23 |
US11710119B2 (en) | 2023-07-25 |
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