RU2016150083A - Способы управления жизненным циклом платежного токена на мобильном устройстве - Google Patents
Способы управления жизненным циклом платежного токена на мобильном устройстве Download PDFInfo
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- RU2016150083A RU2016150083A RU2016150083A RU2016150083A RU2016150083A RU 2016150083 A RU2016150083 A RU 2016150083A RU 2016150083 A RU2016150083 A RU 2016150083A RU 2016150083 A RU2016150083 A RU 2016150083A RU 2016150083 A RU2016150083 A RU 2016150083A
- Authority
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- Prior art keywords
- token
- pan
- life cycle
- expiration date
- mobile device
- Prior art date
Links
- 238000000034 method Methods 0.000 title claims 16
- VJYFKVYYMZPMAB-UHFFFAOYSA-N ethoprophos Chemical compound CCCSP(=O)(OCC)SCCC VJYFKVYYMZPMAB-UHFFFAOYSA-N 0.000 title 1
- 238000013475 authorization Methods 0.000 claims 5
- 238000013507 mapping Methods 0.000 claims 5
- 230000004044 response Effects 0.000 claims 2
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
- G06Q20/08—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
- G06Q20/30—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
- G06Q20/3678—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 e-cash details, e.g. blinded, divisible or detecting double spending
-
- 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
- G06Q20/3278—RFID or NFC payments by means of M-devices
-
- 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
- G06Q20/385—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
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Engineering & Computer Science (AREA)
- Finance (AREA)
- Physics & Mathematics (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Computer Networks & Wireless Communication (AREA)
- Computer Security & Cryptography (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Claims (62)
1. Способ, содержащий:
поддержание функционирования базы данных токенов в компьютерной системе, причем база данных служит для отображения токенов в первичные номера счетов (PAN) для счетов на платежных картах;
запоминание соответствующей записи в базе данных токенов применительно к токену, причем токен отображен посредством соответствующей записи в соответствующий PAN, причем соответствующий PAN идентифицирует счет платежной карты, который принадлежит владельцу карты, использующему мобильное устройство;
предоставление токена в мобильное устройство;
определение того, что событие жизненного цикла произошло или скоро произойдет по отношению к токену;
обновление соответствующей записи для токена в базе данных токенов в ответ на определение того, что событие жизненного цикла произошло.
2. Способ по п. 1, в котором:
событием жизненного цикла является дата окончания срока действия токена; и
этап обновления включает в себя обновление даты окончания срока действия токена в соответствующей записи для токена в базе данных токенов.
3. Способ по п. 2, в котором обновленная дата окончания срока действия токена не предоставляется в мобильное устройство.
4. Способ по п. 1, в котором:
событием жизненного цикла является потеря мобильного устройства; и
этап обновления включает в себя указание того, что данный токен больше недействителен.
5. Способ по п. 4, который дополнительно содержит:
отображение нового токена в соответствующий PAN.
6. Способ по п. 5, который дополнительно содержит:
предоставление нового токена в новое мобильное устройство для владельца карты.
7. Способ по п. 1, в котором:
событием жизненного цикла является замена соответствующего PAN, ассоциированного с токеном; и
этап обновления включает в себя отображение токена в заменяющий PAN взамен соответствующего PAN.
8. Способ по п. 1, в котором:
событием жизненного цикла является потеря платежной карты, которая несет соответствующий PAN; и
этап обновления включает в себя отображение токена в заменяющий PAN взамен соответствующего PAN.
9. Способ по п. 1, в котором:
событием жизненного цикла является замена токена; и
этап обновления включает в себя указание того, что токен больше недействителен;
и способ дополнительно содержит:
отображение нового токена в соответствующий PAN.
10. Способ по п. 9, который дополнительно содержит:
предоставление нового токена в мобильное устройство.
11. Способ по п. 1, в котором:
событием жизненного цикла является дата окончания срока действия для соответствующего PAN; и
этап обновления включает в себя обновление даты окончания срока действия для соответствующего PAN в соответствующей записи для токена.
12. Способ, содержащий:
прием в компьютерной системе запроса на авторизацию для платежной транзакции, причем запрос на авторизацию включает в себя токен и устаревшую дату окончания срока действия для этого токена;
доступ к записи для токена в базе данных токенов с целью нахождения текущей даты окончания срока действия токена;
замену устаревшей даты окончания срока действия найденной текущей датой окончания срока действия; и
передачу от компьютерной системы запроса на авторизацию с текущей датой окончания срока действия.
13. Способ по п. 12, который дополнительно содержит, после этапа приема и до этапа передачи:
поиск в базе данных токенов соответствующего первичного номера счета (PAN), в который отображается токен; и
вставку найденного PAN в запрос на авторизацию.
14. Способ по п. 13, в котором этап передачи включает в себя:
использование найденного PAN для направления запроса на авторизацию эмитенту счета платежной карты, указываемому найденным PAN.
15. Аппарат, содержащий:
процессор; и
память, связанную с процессором, причем память запоминает программные команды, и программные команды управляют процессором для выполнения следующих операций:
поддержание функционирования базы данных токенов в компьютерной системе, причем база данных токенов служит для отображения токенов в первичные номера счетов (PAN) для платежных карт:
запоминание соответствующей записи в базе данных токенов применительно к токену, при этом токен отображается соответствующей записью в соответствующий PAN, и соответствующий PAN идентифицирует счет платежной карты, который принадлежит владельцу карты, который использует мобильное устройство;
предоставление токена в мобильное устройство;
определение того, что произошло или скоро произойдет событие жизненного цикла по отношению к токену; и
обновление соответствующей записи для токена в базе данных токенов в ответ на определение того, что произошло событие жизненного цикла.
16. Аппарат по п. 15, в котором:
событием жизненного цикла является дата окончания срока действия токена; и
операция обновления включает в себя обновление даты окончания срока действия токена в соответствующей записи для этого токена в базе данных токенов.
17. Аппарат по п. 16, в котором обновленная дата окончания срока действия токена не предоставляется в мобильное устройство.
18. Аппарат по п. 15, в котором:
событием жизненного цикла является потеря мобильного устройства; и
операция обновления включает в себя указание того, что токен больше недействителен.
19. Аппарат по п. 18, в котором процессор дополнительно служит для отображения нового токена в соответствующий PAN.
20. Аппарат по п. 15, в котором:
событием жизненного цикла является замена соответствующего PAN, ассоциированного с токеном; и
операция обновления включает в себя отображение токена в заменяющий PAN взамен соответствующего PAN.
Applications Claiming Priority (3)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US14/283,937 US20150339663A1 (en) | 2014-05-21 | 2014-05-21 | Methods of payment token lifecycle management on a mobile device |
US14/283,937 | 2014-05-21 | ||
PCT/US2015/031987 WO2015179649A1 (en) | 2014-05-21 | 2015-05-21 | Methods of payment token lifecycle management on a mobile device |
Related Child Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
RU2018131005A Division RU2707152C2 (ru) | 2014-05-21 | 2015-05-21 | Способы управления жизненным циклом платежного токена на мобильном устройстве |
Publications (3)
Publication Number | Publication Date |
---|---|
RU2016150083A true RU2016150083A (ru) | 2018-06-22 |
RU2016150083A3 RU2016150083A3 (ru) | 2018-06-22 |
RU2666312C2 RU2666312C2 (ru) | 2018-09-06 |
Family
ID=54554769
Family Applications (2)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
RU2018131005A RU2707152C2 (ru) | 2014-05-21 | 2015-05-21 | Способы управления жизненным циклом платежного токена на мобильном устройстве |
RU2016150083A RU2666312C2 (ru) | 2014-05-21 | 2015-05-21 | Способы управления жизненным циклом платежного токена на мобильном устройстве |
Family Applications Before (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
RU2018131005A RU2707152C2 (ru) | 2014-05-21 | 2015-05-21 | Способы управления жизненным циклом платежного токена на мобильном устройстве |
Country Status (9)
Country | Link |
---|---|
US (2) | US20150339663A1 (ru) |
EP (1) | EP3146485A4 (ru) |
JP (2) | JP6420371B2 (ru) |
AU (1) | AU2015264053B2 (ru) |
CA (1) | CA2949444C (ru) |
MX (1) | MX2016015177A (ru) |
RU (2) | RU2707152C2 (ru) |
SG (2) | SG11201609499VA (ru) |
WO (1) | WO2015179649A1 (ru) |
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