RU2018131005A - 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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- RU2018131005A RU2018131005A RU2018131005A RU2018131005A RU2018131005A RU 2018131005 A RU2018131005 A RU 2018131005A RU 2018131005 A RU2018131005 A RU 2018131005A RU 2018131005 A RU2018131005 A RU 2018131005A RU 2018131005 A RU2018131005 A RU 2018131005A
- Authority
- RU
- Russia
- Prior art keywords
- token
- expiration date
- pan
- found
- authorization request
- Prior art date
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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
- G06Q20/30—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
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
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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
- G06Q20/3278—RFID or NFC payments by means of 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
- 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
- G06Q20/40—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
Claims (10)
1. 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.
2. Способ по п. 1, 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.
3. Способ по п. 2, в котором этап передачи включает в себя:
использование найденного PAN для направления запроса на авторизацию эмитенту счета платежной карты, указываемому найденным PAN.
Applications Claiming Priority (2)
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 |
Related Parent Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
RU2016150083A Division RU2666312C2 (ru) | 2014-05-21 | 2015-05-21 | Способы управления жизненным циклом платежного токена на мобильном устройстве |
Publications (3)
Publication Number | Publication Date |
---|---|
RU2018131005A true RU2018131005A (ru) | 2019-03-20 |
RU2018131005A3 RU2018131005A3 (ru) | 2019-04-19 |
RU2707152C2 RU2707152C2 (ru) | 2019-11-22 |
Family
ID=54554769
Family Applications (2)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
RU2016150083A RU2666312C2 (ru) | 2014-05-21 | 2015-05-21 | Способы управления жизненным циклом платежного токена на мобильном устройстве |
RU2018131005A RU2707152C2 (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 |
---|---|---|---|
RU2016150083A RU2666312C2 (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) | RU2666312C2 (ru) |
SG (2) | SG10201709344UA (ru) |
WO (1) | WO2015179649A1 (ru) |
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RU2666312C2 (ru) | 2018-09-06 |
CA2949444A1 (en) | 2015-11-26 |
US20200005287A1 (en) | 2020-01-02 |
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MX2016015177A (es) | 2017-03-23 |
RU2707152C2 (ru) | 2019-11-22 |
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