RU2017122090A - Запрос на преобразование в маркер посредством устройства допступа - Google Patents
Запрос на преобразование в маркер посредством устройства допступа Download PDFInfo
- Publication number
- RU2017122090A RU2017122090A RU2017122090A RU2017122090A RU2017122090A RU 2017122090 A RU2017122090 A RU 2017122090A RU 2017122090 A RU2017122090 A RU 2017122090A RU 2017122090 A RU2017122090 A RU 2017122090A RU 2017122090 A RU2017122090 A RU 2017122090A
- Authority
- RU
- Russia
- Prior art keywords
- computer
- token
- credentials
- mobile device
- authorization
- Prior art date
Links
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
- G06Q20/3821—Electronic credentials
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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
-
- 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
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
- G06Q20/3226—Use of secure elements separate from M-devices
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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
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic 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
- G06Q20/30—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
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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
-
- 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
Claims (38)
1. Способ, включающий:
прием на первом компьютере удостоверяющих данных от пользователя;
отправку первым компьютером сообщения с запросом маркера, содержащего удостоверяющие данные, на второй компьютер, при этом сообщение с запросом маркера имеет тот же формат, что и сообщение с запросом авторизации, используемое для авторизации транзакции;
прием на первом компьютере маркера, связанного с удостоверяющими данными, со второго компьютера;
генерирование первым компьютером сообщения с запросом авторизации; и
подачу первым компьютером сообщения с запросом авторизации, содержащего маркер, на компьютер авторизации для транзакции.
2. Способ по п. 1, отличающийся тем, что сообщение с запросом маркера проходит через транспортный компьютер до приема сообщения с запросом маркера вторым компьютером.
3. Способ по п. 1, отличающийся тем, что первый компьютер представляет собой устройство доступа.
4. Способ по п. 1, отличающийся тем, что сообщение с запросом маркера форматируют как сообщение ISO 8583.
5. Способ по п. 1, отличающийся тем, что маркер действителен в течение 1 минуты, 5 минут или 1 часа.
6. Способ по п. 1, отличающийся тем, что удостоверяющие данные зашифровывают.
7. Способ по п. 1, отличающийся тем, что удостоверяющие данные принимают на первом компьютере с карты с магнитной полосой.
8. Способ по п. 1, отличающийся тем, что удостоверяющие данные принимают на первом компьютере с мобильного устройства.
9. Способ по п. 8, отличающийся тем, что с мобильного устройства также принимают идентификатор мобильного устройства, и при этом сообщение с запросом маркера дополнительно содержит идентификатор мобильного устройства.
10. Способ по п. 8, дополнительно включающий:
отправку первым компьютером маркера на мобильное устройство; и затем
прием на первом компьютере маркера с мобильного устройства для использования с транзакцией.
11. Первый компьютер, содержащий:
процессор; и
машиночитаемый носитель, при этом машиночитаемый носитель содержит код, исполняемый процессором, для осуществления способа, включающего:
прием удостоверяющих данных от пользователя;
отправку сообщения с запросом маркера, содержащего удостоверяющие данные, на второй компьютер, при этом сообщение с запросом маркера имеет тот же формат, что и сообщение с запросом авторизации, используемое для авторизации транзакции;
прием маркера, связанного с удостоверяющими данными, со второго компьютера;
генерирование сообщения с запросом авторизации; и
подачу сообщения с запросом авторизации, содержащего маркер, на компьютер авторизации для транзакции.
12. Первый компьютер по п. 11, отличающийся тем, что сообщение с запросом маркера проходит через транспортный компьютер до приема сообщения с запросом маркера вторым компьютером.
13. Первый компьютер по п. 11, отличающийся тем, что первый компьютер представляет собой устройство доступа.
14. Первый компьютер по п. 11, отличающийся тем, что компьютер авторизации принимает сообщение с запросом авторизации, получает удостоверяющие данные, связанные с маркером, и авторизует транзакцию на основании счета, связанного с удостоверяющими данными.
15. Первый компьютер по п. 11, отличающийся тем, что первый компьютер представляет собой компьютер поставщика ресурсов, и при этом второй компьютер представляет собой компьютер поставщика маркеров.
16. Первый компьютер по п. 11, дополнительно содержащий:
прием сообщения с ответом авторизации, указывающего, что транзакция авторизована; и
сохранение записи транзакции, содержащей маркер и не содержащей удостоверяющие данные.
17. Первый компьютер по п. 11, отличающийся тем, что удостоверяющие данные принимают с карты с магнитной полосой.
18. Первый компьютер по п. 11, отличающийся тем, что удостоверяющие данные принимают с мобильного устройства.
19. Первый компьютер по п. 18, отличающийся тем, что удостоверяющие данные, принимаемые с мобильного устройства, принимают вместе с запросом маркера.
20. Первый компьютер по п. 18, дополнительно содержащий:
отправку маркера на мобильное устройство; и затем
прием маркера с мобильного устройства для использования с транзакцией.
Applications Claiming Priority (3)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| US201462084738P | 2014-11-26 | 2014-11-26 | |
| US62/084,738 | 2014-11-26 | ||
| PCT/US2015/062716 WO2016086154A1 (en) | 2014-11-26 | 2015-11-25 | Tokenization request via access device |
Publications (3)
| Publication Number | Publication Date |
|---|---|
| RU2017122090A true RU2017122090A (ru) | 2018-12-26 |
| RU2017122090A3 RU2017122090A3 (ru) | 2019-04-29 |
| RU2708945C2 RU2708945C2 (ru) | 2019-12-12 |
Family
ID=56010621
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| RU2017122090A RU2708945C2 (ru) | 2014-11-26 | 2015-11-25 | Запрос на преобразование в маркер посредством устройства доступа |
Country Status (8)
| Country | Link |
|---|---|
| US (2) | US11620643B2 (ru) |
| EP (1) | EP3224784A4 (ru) |
| CN (2) | CN113537988A (ru) |
| AU (1) | AU2015353458A1 (ru) |
| CA (1) | CA2964791A1 (ru) |
| RU (1) | RU2708945C2 (ru) |
| SG (1) | SG11201702763TA (ru) |
| WO (1) | WO2016086154A1 (ru) |
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| US20160148197A1 (en) | 2016-05-26 |
| AU2015353458A1 (en) | 2017-04-20 |
| CN107004192B (zh) | 2021-08-13 |
| US11620643B2 (en) | 2023-04-04 |
| US20230206221A1 (en) | 2023-06-29 |
| CN107004192A (zh) | 2017-08-01 |
| RU2708945C2 (ru) | 2019-12-12 |
| CN113537988A (zh) | 2021-10-22 |
| WO2016086154A1 (en) | 2016-06-02 |
| CA2964791A1 (en) | 2016-06-02 |
| EP3224784A1 (en) | 2017-10-04 |
| SG11201702763TA (en) | 2017-05-30 |
| RU2017122090A3 (ru) | 2019-04-29 |
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