RU2016129192A - Способы и системы облачных транзакций - Google Patents
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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
- G06Q20/32—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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- 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
- H04L9/08—Key distribution or management, e.g. generation, sharing or updating, of cryptographic keys or passwords
- H04L9/0816—Key establishment, i.e. cryptographic processes or cryptographic protocols whereby a shared secret becomes available to two or more parties, for subsequent use
- H04L9/0819—Key transport or distribution, i.e. key establishment techniques where one party creates or otherwise obtains a secret value, and securely transfers it to the other(s)
- H04L9/0822—Key transport or distribution, i.e. key establishment techniques where one party creates or otherwise obtains a secret value, and securely transfers it to the other(s) using key encryption key
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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
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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
- G06Q20/30—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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- 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
- G06Q20/30—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
- G06Q20/326—Payment applications installed on the mobile devices
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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
- G06Q20/30—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
- G06Q20/3672—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 initialising or reloading thereof
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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
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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
- G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
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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
- G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
-
- 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
- G06Q20/389—Keeping log of transactions for guaranteeing non-repudiation of a transaction
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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
- H04L9/08—Key distribution or management, e.g. generation, sharing or updating, of cryptographic keys or passwords
- H04L9/0861—Generation of secret information including derivation or calculation of cryptographic keys or passwords
- H04L9/0866—Generation of secret information including derivation or calculation of cryptographic keys or passwords involving user or device identifiers, e.g. serial number, physical or biometrical information, DNA, hand-signature or measurable physical characteristics
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- H04L9/08—Key distribution or management, e.g. generation, sharing or updating, of cryptographic keys or passwords
- H04L9/0861—Generation of secret information including derivation or calculation of cryptographic keys or passwords
- H04L9/0869—Generation of secret information including derivation or calculation of cryptographic keys or passwords involving random numbers or seeds
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- H—ELECTRICITY
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- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
- H04L9/08—Key distribution or management, e.g. generation, sharing or updating, of cryptographic keys or passwords
- H04L9/088—Usage controlling of secret information, e.g. techniques for restricting cryptographic keys to pre-authorized uses, different access levels, validity of crypto-period, different key- or password length, or different strong and weak cryptographic algorithms
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- H04L9/14—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols using a plurality of keys or algorithms
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- G06Q2220/00—Business processing using cryptography
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- 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
- H04L2209/20—Manipulating the length of blocks of bits, e.g. padding or block truncation
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- H—ELECTRICITY
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- H04L2209/00—Additional information or applications relating to cryptographic mechanisms or cryptographic arrangements for secret or secure communication H04L9/00
- H04L2209/24—Key scheduling, i.e. generating round keys or sub-keys for block encryption
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L63/00—Network architectures or network communication protocols for network security
- H04L63/04—Network architectures or network communication protocols for network security for providing a confidential data exchange among entities communicating through data packet networks
- H04L63/0428—Network architectures or network communication protocols for network security for providing a confidential data exchange among entities communicating through data packet networks wherein the data content is protected, e.g. by encrypting or encapsulating the payload
Claims (62)
1. Способ улучшения защиты устройства связи при проведении транзакции с использованием устройства связи, причем способ содержит этапы, на которых:
принимают, от удаленного компьютера, ключ ограниченного использования (LUK), который связан с набором из одного или более порогов ограниченного использования, которые ограничивают использование LUK;
генерируют, посредством устройства связи, криптограмму транзакции с использованием LUK; и
отправляют, на устройство доступа, обозначение вместо реального идентификатора счета и криптограммы транзакции для проведения транзакции, причем транзакция авторизуется на основании, по меньшей мере, того, превысило ли использование LUK набор из одного или более порогов ограниченного использования.
2. Способ по п. 1, в котором устройство связи не хранит LUK или обозначение в защитном элементе.
3. Способ по п. 1, в котором прием LUK дополнительно включает в себя этап, на котором принимают индекс ключа, который включает в себя информацию, относящуюся к генерации LUK.
4. Способ по п. 3, в котором индекс ключа отправляют с криптограммой транзакции на устройство доступа для проведения транзакции.
5. Способ по п. 3, в котором индекс ключа включает в себя информацию времени, указывающую, когда сгенерирован LUK.
6. Способ по п. 3, в котором индекс ключа включает в себя значение счетчика пополнения, указывающее, сколько раз был пополнен LUK.
7. Способ по п. 3, в котором индекс ключа включает в себя псевдослучайное число, которое используется в качестве начального значения для генерации LUK.
8. Способ по п. 3, в котором индекс ключа включает в себя значение счетчика транзакций, указывающее число транзакций, ранее проведенных мобильным приложением устройства связи на момент генерации LUK.
9. Способ по п. 1, в котором набор из одного или более порогов ограниченного использования включает в себя, по меньшей мере, одно из:
времени существования, указывающего продолжительность времени, в течение которого LUK действителен;
заранее определенного числа транзакций, на протяжении которых LUK действителен; и
совокупной суммы транзакции, указывающей итоговую сумму транзакции, для которой LUK действителен.
10. Способ по п. 1, в котором набор из одного или более порогов ограниченного использования включает в себя порог международного использования и порог внутреннего использования.
11. Способ по п. 1, в котором LUK является первым LUK, и способ дополнительно содержит этапы, на которых:
отправляют, на удаленный компьютер, запрос пополнения для второго LUK, причем запрос пополнения включает в себя информацию журнала транзакций, выведенную из журнала транзакций, хранящегося на устройстве связи; и
принимают, от удаленного компьютера, второй LUK, когда информация журнала транзакций в запросе пополнения совпадает с информацией журнала транзакций на удаленном компьютере.
12. Способ по п. 11, в котором запрос пополнения дополнительно включает в себя первый индекс ключа, который включает в себя информацию, относящуюся к генерации LUK, и
прием второго LUK включает в себя этап, на котором принимают второй индекс ключа, связанный со вторым LUK.
13. Способ по п. 11, в котором журнал транзакций, хранящийся на устройстве связи, включает в себя:
для каждой транзакции, проведенной с использованием LUK:
метку времени транзакции, указывающую время соответствующей транзакции;
значение счетчика транзакций с помощью приложения, связанное с соответствующей транзакцией; и
указатель типа транзакции, указывающий, является ли соответствующая транзакция транзакцией на основе магнитной полоски или транзакцией на основе интегральной микросхемы.
14. Способ по п. 11, в котором информация журнала транзакций, отправленная на удаленный компьютер, включает в себя код аутентификации, вычисленный, по меньшей мере, по журналу транзакций с использованием LUK.
15. Способ по п. 11, в котором запрос пополнения отправляют в ответ на определение, что следующая транзакция, проведенная с помощью LUK, исчерпает набор из одного или более порогов ограниченного использования.
16. Способ по п. 11, в котором запрос пополнения отправляют в ответ на определение, что набор из одного или более порогов ограниченного использования, связанный с LUK, исчерпан.
17. Способ по п. 11, в котором запрос пополнения отправляют в ответ на прием сообщения проталкивания, запрашивающего устройство связи пополнить LUK.
18. Устройство связи, содержащее:
процессор и
память, подключенную к процессору, где хранится мобильное приложение, которое осуществляет операции для улучшения защиты устройства связи при проведении транзакций с использованием устройства связи, причем операции включают в себя:
прием ключа ограниченного использования (LUK), который связан с набором из одного или более порогов ограниченного использования, которые ограничивают использование LUK;
генерацию криптограммы транзакции с использованием LUK и
отправку обозначения вместо реального идентификатора счета и криптограммы транзакции на устройство доступа для проведения транзакции, причем транзакция авторизуется на основании, по меньшей мере, того, превысило ли использование LUK набор из одного или более порогов ограниченного использования.
19. Устройство связи по п. 18, в котором устройство связи не хранит LUK или обозначение в защитном элементе.
20. Устройство связи по п. 18, в котором прием LUK дополнительно включает в себя прием индекса ключа, который включает в себя информацию, относящуюся к генерации LUK.
21. Устройство связи по п. 20, в котором индекс ключа отправляется с криптограммой транзакции на устройство доступа для проведения транзакции.
22. Устройство связи по п. 20, в котором индекс ключа включает в себя информацию времени, указывающую, когда сгенерирован LUK.
23. Устройство связи по п. 20, в котором индекс ключа включает в себя значение счетчика пополнения, указывающее, сколько раз был пополнен LUK.
24. Устройство связи по п. 20, в котором индекс ключа включает в себя псевдослучайное число, которое используется в качестве начального значения для генерации LUK.
25. Устройство связи по п. 20, в котором индекс ключа включает в себя значение счетчика транзакций, указывающее число транзакций, ранее проведенных мобильным приложением устройства связи на момент генерации LUK.
26. Устройство связи по п. 18, в котором набор из одного или более порогов ограниченного использования включает в себя, по меньшей мере, один из:
времени существования, указывающего продолжительность времени, в течение которого LUK действителен;
заранее определенного числа транзакций, на протяжении которых LUK действителен; и
совокупной суммы транзакции, указывающей итоговую сумму транзакции, для которой LUK действителен.
27. Устройство связи по п. 18, в котором набор из одного или более порогов ограниченного использования включает в себя порог международного использования и порог внутреннего использования.
28. Устройство связи по п. 18, в котором LUK является первым LUK и операции дополнительно включают в себя:
отправку, на удаленный компьютер, запроса пополнения для второго LUK, причем запрос пополнения включает в себя информацию журнала транзакций, выведенную из журнала транзакций, хранящегося на устройстве связи; и
прием, от удаленного компьютера, второго LUK, когда информация журнала транзакций в запросе пополнения совпадает с информацией журнала транзакций на удаленном компьютере.
29. Устройство связи по п. 28, в котором запрос пополнения дополнительно включает в себя первый индекс ключа, который включает в себя информацию, относящуюся к генерации LUK, и
прием второго LUK включает в себя прием второго индекса ключа, связанного со вторым LUK.
30. Устройство связи по п. 28, в котором журнал транзакций, хранящийся на устройстве связи, включает в себя:
для каждой транзакции, проведенной с использованием LUK:
метку времени транзакции, указывающую время соответствующей транзакции;
значение счетчика транзакций с помощью приложения, связанное с соответствующей транзакцией; и
указатель типа транзакции, указывающий, является ли соответствующая транзакция транзакцией на основе магнитной полоски или транзакцией на основе интегральной микросхемы.
31. Устройство связи по п. 28, в котором информация журнала транзакций, отправленная на удаленный компьютер, включает в себя код аутентификации, вычисленный, по меньшей мере, по журналу транзакций с использованием LUK.
32. Устройство связи по п. 28, в котором запрос пополнения отправляется в ответ на определение, что следующая транзакция, проведенная с помощью LUK, исчерпает набор из одного или более порогов ограниченного использования.
33. Устройство связи по п. 28, в котором запрос пополнения отправляется в ответ на определение, что набор из одного или более порогов ограниченного использования, связанный с LUK, исчерпан.
34. Устройство связи по п. 28, в котором запрос пополнения отправляется в ответ на прием сообщения проталкивания, запрашивающего устройство связи пополнить LUK.
Applications Claiming Priority (9)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US201361918643P | 2013-12-19 | 2013-12-19 | |
US61/918,643 | 2013-12-19 | ||
US201461941227P | 2014-02-18 | 2014-02-18 | |
US61/941,227 | 2014-02-18 | ||
US201461982169P | 2014-04-21 | 2014-04-21 | |
US61/982,169 | 2014-04-21 | ||
US201461983635P | 2014-04-24 | 2014-04-24 | |
US61/983,635 | 2014-04-24 | ||
PCT/US2014/071622 WO2015095771A1 (en) | 2013-12-19 | 2014-12-19 | Cloud-based transactions methods and systems |
Related Child Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
RU2019111186A Division RU2019111186A (ru) | 2013-12-19 | 2014-12-19 | Способы и системы облачных транзакций |
Publications (2)
Publication Number | Publication Date |
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RU2016129192A true RU2016129192A (ru) | 2018-01-24 |
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- 2014-12-19 EP EP14872737.3A patent/EP3084701B1/en active Active
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- 2014-12-19 JP JP2016541553A patent/JP6551850B2/ja active Active
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- 2019-06-21 JP JP2019115922A patent/JP2019180097A/ja not_active Abandoned
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US11875344B2 (en) | 2013-12-19 | 2024-01-16 | Visa International Service Association | Cloud-based transactions with magnetic secure transmission |
US11842350B2 (en) | 2014-05-21 | 2023-12-12 | Visa International Service Association | Offline authentication |
US11783061B2 (en) | 2014-08-22 | 2023-10-10 | Visa International Service Association | Embedding cloud-based functionalities in a communication device |
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