TW200409521A - Authentication and identification system and transactions using such an authentication and identification system - Google Patents

Authentication and identification system and transactions using such an authentication and identification system Download PDF

Info

Publication number
TW200409521A
TW200409521A TW92113845A TW92113845A TW200409521A TW 200409521 A TW200409521 A TW 200409521A TW 92113845 A TW92113845 A TW 92113845A TW 92113845 A TW92113845 A TW 92113845A TW 200409521 A TW200409521 A TW 200409521A
Authority
TW
Taiwan
Prior art keywords
terminal
authentication
identification system
facilitator
operator
Prior art date
Application number
TW92113845A
Inventor
Mack Kalevi Palomaki
Olaf Fritz Hans Otto Lohmann
Original Assignee
Lohmac Pte Ltd
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Priority to SG200207202 priority Critical
Application filed by Lohmac Pte Ltd filed Critical Lohmac Pte Ltd
Publication of TW200409521A publication Critical patent/TW200409521A/en

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Classifications

    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/42Confirmation, e.g. check or permission by the legal debtor of payment
    • G06Q20/425Confirmation, e.g. check or permission by the legal debtor of payment using two different networks, one for transaction and one for security confirmation
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/02Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/04Payment circuits
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/16Payments settled via telecommunication systems
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/22Payment schemes or models
    • G06Q20/29Payment schemes or models characterised by micropayments
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
    • G06Q20/322Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3224Transactions dependent on location of M-devices
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
    • G06Q20/322Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3229Use of the SIM of a M-device as secure element
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/385Use of an alias or a single-use code
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, 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
    • G06Q20/401Transaction verification
    • G06Q20/4014Identity check for transaction

Abstract

The present invention provides a method for authenticating and identifying a user, whereby a first terminal communicates with a facilitator over a first telecommunications channel and a second terminal communicates with an operator over a second telecommunications channel, the operator and the facilitator being able to communicate with each other, wherein no identity data of the user is required to be provided to the first terminal by the operator, the facilitator, or the second terminal; no identity data of the first terminal is required to be provided to the second terminal by the operator, the facilitator or the first terminal; and wherein any communication between the first terminal and the facilitator is not required to contain data regarding the identity details of the user or the second terminal; and any communication between the second terminal and the operator is not required to contain data regarding the identity details of the user.
TW92113845A 2002-11-28 2003-05-22 Authentication and identification system and transactions using such an authentication and identification system TW200409521A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
SG200207202 2002-11-28

Publications (1)

Publication Number Publication Date
TW200409521A true TW200409521A (en) 2004-06-01

Family

ID=32391125

Family Applications (1)

Application Number Title Priority Date Filing Date
TW92113845A TW200409521A (en) 2002-11-28 2003-05-22 Authentication and identification system and transactions using such an authentication and identification system

Country Status (3)

Country Link
AU (1) AU2003282770A1 (en)
TW (1) TW200409521A (en)
WO (1) WO2004049621A1 (en)

Families Citing this family (17)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
GB2417355A (en) * 2004-08-12 2006-02-22 Robert Culyer Method for sending PIN protected mobile phone based tickets and coupons
US7865448B2 (en) * 2004-10-19 2011-01-04 First Data Corporation Methods and systems for performing credit transactions with a wireless device
WO2007024151A1 (en) * 2005-08-22 2007-03-01 G-Xchange, Inc. A method of converting cash into virtual cash and loading it to mobile phone cash account
US8201231B2 (en) 2007-02-21 2012-06-12 Microsoft Corporation Authenticated credential-based multi-tenant access to a service
US8429713B2 (en) 2007-04-02 2013-04-23 Sony Corporation Method and apparatus to speed transmission of CEC commands
US8510798B2 (en) 2007-04-02 2013-08-13 Sony Corporation Authentication in an audio/visual system having multiple signaling paths
US20090307141A1 (en) * 2008-06-06 2009-12-10 Telefonaktiebolaget Lm Ericsson (Publ) Secure Card Services
BRPI0917347A2 (en) 2008-08-26 2015-11-17 Adaptive Payments Inc method and system of authenticating a payment transaction.
US8412626B2 (en) * 2009-12-10 2013-04-02 Boku, Inc. Systems and methods to secure transactions via mobile devices
CN103201758A (en) * 2010-11-10 2013-07-10 斯玛特哈伯私人有限公司 Method of performing a financial transaction via unsecured public telecommunication infrastructure and an apparatus for same
ITRM20110070A1 (en) * 2011-02-16 2012-08-17 Hideea S R L anonymous authentication method for use of a service
EP2634736A1 (en) * 2012-02-29 2013-09-04 Accenture Global Services Limited Computer network, electronic transactions cloud and computer-implemented method for secure electronic transactions
WO2014086972A1 (en) * 2012-12-06 2014-06-12 Nec Europe Ltd. Method and system for mobile money
WO2014174342A1 (en) * 2013-04-25 2014-10-30 Elharras Mohamed Mobile payment with strong authentication and non repudiation
US9940608B2 (en) 2013-05-16 2018-04-10 Mts Holdings, Inc. Real time EFT network-based person-to-person transactions
LT3092774T (en) * 2014-01-10 2017-12-11 Priviti Pte. Ltd. System and method for communicating credentials
CN104076782A (en) * 2014-06-26 2014-10-01 上海市城市建设设计研究总院 New energy automobile remote sharing and appointment making device of large-scale entrepreneurship park

Family Cites Families (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JPH0950465A (en) * 1995-08-04 1997-02-18 Hitachi Ltd Electronic shopping method, electronic shopping system and document authentication method
EP1026641B1 (en) * 1999-02-01 2013-04-24 International Business Machines Corporation Method and system for establishing a trustworthy connection between a user and a terminal
JP2002215582A (en) * 2000-12-28 2002-08-02 Morgan Stanley Dean Witter Japan Ltd Method and device for authentication
FR2823882A1 (en) * 2001-04-23 2002-10-25 New Access Sa Commercial transaction using prepayment card over the Internet, uses personal computer or mobile phone, certification center validates data contained on prepayment card

Also Published As

Publication number Publication date
AU2003282770A1 (en) 2004-06-18
WO2004049621A1 (en) 2004-06-10

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