WO2006113834A2 - Transactions commerciales en reseau - Google Patents
Transactions commerciales en reseau Download PDFInfo
- Publication number
- WO2006113834A2 WO2006113834A2 PCT/US2006/014801 US2006014801W WO2006113834A2 WO 2006113834 A2 WO2006113834 A2 WO 2006113834A2 US 2006014801 W US2006014801 W US 2006014801W WO 2006113834 A2 WO2006113834 A2 WO 2006113834A2
- Authority
- WO
- WIPO (PCT)
- Prior art keywords
- payment
- merchant
- mobile
- services
- user
- Prior art date
Links
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Classifications
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
- G06F21/10—Protecting distributed programs or content, e.g. vending or licensing of copyrighted material ; Digital rights management [DRM]
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
- G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
- G06F21/31—User authentication
- G06F21/34—User authentication involving the use of external additional devices, e.g. dongles or smart cards
-
- 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
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
-
- 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
- G06Q20/12—Payment architectures specially adapted for electronic shopping 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
- G06Q20/32—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]
- G06Q20/3223—Realising banking transactions through 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
- G06Q20/38—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
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
-
- 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
- G06Q20/407—Cancellation of a transaction
-
- 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
- G06Q30/00—Commerce
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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
- H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04W—WIRELESS COMMUNICATION NETWORKS
- H04W12/00—Security arrangements; Authentication; Protecting privacy or anonymity
- H04W12/06—Authentication
- H04W12/068—Authentication using credential vaults, e.g. password manager applications or one time password [OTP] applications
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04W—WIRELESS COMMUNICATION NETWORKS
- H04W12/00—Security arrangements; Authentication; Protecting privacy or anonymity
- H04W12/06—Authentication
- H04W12/069—Authentication using certificates or pre-shared keys
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F2221/00—Indexing scheme relating to security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
- G06F2221/21—Indexing scheme relating to G06F21/00 and subgroups addressing additional information or applications relating to security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
- G06F2221/2135—Metering
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F2221/00—Indexing scheme relating to security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
- G06F2221/21—Indexing scheme relating to G06F21/00 and subgroups addressing additional information or applications relating to security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
- G06F2221/2137—Time limited access, e.g. to a computer or data
Abstract
Des modes de réalisation courants de la présente invention permettent l'autorisation et le paiement d'une transaction commerciale en ligne entre un acheteur et un commerçant, notamment la vérification d'une identité de l'acheteur et la vérification de la capacité de l'acheteur à payer ladite transaction, le fournisseur d'identité et le fournisseur de paiement étant souvent des entités de réseau différentes. Dans d'autres modes de réalisation, l'invention concerne des protocoles, des systèmes informatiques et d'autres mécanismes qui permettent l'authentification de l'identité et du paiement au moyen d'un module mobile qui établit une sécurité à niveau unique ou à multiples niveaux sur un réseau non sécurisé (par exemple l'Internet). D'autres modes de réalisation de l'invention permettent également une communication sécurisée trilatérale entre un commerçant, un consommateur et un fournisseur de paiement de sorte que les informations de compte sensibles soient opaques pour le commerçant, ledit commerçant ayant cependant suffisamment confiance dans la capacité du consommateur à payer pour les achats demandés. Dans un mode de réalisation encore différent, des informations de facturation électronique sont utilisées pour l'autorisation, la vérification des états financiers, le regroupement des paiements et à d'autres fins.
Priority Applications (8)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| JP2008507849A JP2008541206A (ja) | 2005-04-19 | 2006-04-19 | ネットワーク商取引 |
| CA002601785A CA2601785A1 (fr) | 2005-04-19 | 2006-04-19 | Transactions commerciales en reseau |
| MX2007012648A MX2007012648A (es) | 2005-04-19 | 2006-04-19 | Transacciones comerciales de red. |
| BRPI0608591-1A BRPI0608591A2 (pt) | 2005-04-19 | 2006-04-19 | transaÇÕes comerciais em rede |
| EP06758421A EP1872188A4 (fr) | 2005-04-19 | 2006-04-19 | Transactions commerciales en reseau |
| AU2006236243A AU2006236243B2 (en) | 2005-04-19 | 2006-04-19 | Network commercial transactions |
| NO20074614A NO20074614L (no) | 2005-04-19 | 2007-09-12 | Kommersielle nettverkstransaksjoner |
| IL185978A IL185978A0 (en) | 2005-04-19 | 2007-09-17 | Network commercial transactions |
Applications Claiming Priority (8)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| US67275405P | 2005-04-19 | 2005-04-19 | |
| US60/672,754 | 2005-04-19 | ||
| US11/376,535 US7849020B2 (en) | 2005-04-19 | 2006-03-15 | Method and apparatus for network transactions |
| US11/376,535 | 2006-03-15 | ||
| US11/379,143 | 2006-04-18 | ||
| US11/379,143 US8996423B2 (en) | 2005-04-19 | 2006-04-18 | Authentication for a commercial transaction using a mobile module |
| US11/379,133 US20060235795A1 (en) | 2005-04-19 | 2006-04-18 | Secure network commercial transactions |
| US11/379,133 | 2006-04-18 |
Publications (3)
| Publication Number | Publication Date |
|---|---|
| WO2006113834A2 true WO2006113834A2 (fr) | 2006-10-26 |
| WO2006113834A9 WO2006113834A9 (fr) | 2007-11-01 |
| WO2006113834A3 WO2006113834A3 (fr) | 2009-04-23 |
Family
ID=37115927
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| PCT/US2006/014801 WO2006113834A2 (fr) | 2005-04-19 | 2006-04-19 | Transactions commerciales en reseau |
Country Status (12)
| Country | Link |
|---|---|
| EP (1) | EP1872188A4 (fr) |
| JP (1) | JP2008541206A (fr) |
| KR (1) | KR20070120125A (fr) |
| CN (1) | CN102368325A (fr) |
| AU (1) | AU2006236243B2 (fr) |
| BR (1) | BRPI0608591A2 (fr) |
| CA (1) | CA2601785A1 (fr) |
| IL (1) | IL185978A0 (fr) |
| MX (1) | MX2007012648A (fr) |
| NO (1) | NO20074614L (fr) |
| SG (1) | SG161290A1 (fr) |
| WO (1) | WO2006113834A2 (fr) |
Cited By (163)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2009095795A3 (fr) * | 2008-02-01 | 2009-11-26 | Mazooma Technical Services, Inc. | Procédé, dispositif et système pour achever des transactions financières en ligne |
| JP2010541437A (ja) * | 2007-10-05 | 2010-12-24 | ドイチェ テレコム アーゲー | 固有のユーザ指向の認証を検証することによるコンテンツ配信 |
| WO2012139177A1 (fr) * | 2011-04-11 | 2012-10-18 | Popov Krasimir | Procédé et système pour l'estimation de coût et le paiement du produit |
| WO2012162224A1 (fr) * | 2011-05-23 | 2012-11-29 | Microsoft Corporation | Identification d'opérateur de réseau mobile |
| WO2014043278A1 (fr) * | 2012-09-11 | 2014-03-20 | Visa International Service Association | Appareils, procédés et systèmes de communication en champ proche de portefeuille virtuel basé sur un nuage informatique |
| US8819854B2 (en) | 2009-07-08 | 2014-08-26 | Ricoh Company, Ltd. | Information processing apparatus, system management method, and recording medium |
| US8827154B2 (en) | 2009-05-15 | 2014-09-09 | Visa International Service Association | Verification of portable consumer devices |
| WO2014137563A1 (fr) * | 2013-03-05 | 2014-09-12 | Quisk, Inc. | Enregistrement de service de paiement par jeton |
| US8959032B2 (en) | 2012-10-10 | 2015-02-17 | Quisk, Inc. | Self-authenticating peer to peer transaction |
| US9015074B2 (en) | 2008-02-01 | 2015-04-21 | Mazooma Technical Services, Inc. | Device and method for facilitating financial transactions |
| WO2015057538A1 (fr) * | 2013-10-14 | 2015-04-23 | Equifax Inc. | Fourniture d'informations d'identification à des applications de commerce mobile |
| US9038886B2 (en) | 2009-05-15 | 2015-05-26 | Visa International Service Association | Verification of portable consumer devices |
| CN105046479A (zh) * | 2008-06-06 | 2015-11-11 | 电子湾有限公司 | 可信服务管理器(tsm)体系架构和方法 |
| WO2016003480A1 (fr) * | 2014-06-30 | 2016-01-07 | Intuit Inc. | Utilisation de jetons à durée de vie limitée pour garantir une conformité aux informations de contrôle de protocole (pci) |
| US9256871B2 (en) | 2012-07-26 | 2016-02-09 | Visa U.S.A. Inc. | Configurable payment tokens |
| US9280765B2 (en) | 2011-04-11 | 2016-03-08 | Visa International Service Association | Multiple tokenization for authentication |
| WO2016182771A1 (fr) * | 2015-05-11 | 2016-11-17 | One Factor Holdings Llc | Système et procédé de gestion d'activité intégrée et procédé utilisant ce dernier |
| US9516487B2 (en) | 2013-11-19 | 2016-12-06 | Visa International Service Association | Automated account provisioning |
| US9524501B2 (en) | 2012-06-06 | 2016-12-20 | Visa International Service Association | Method and system for correlating diverse transaction data |
| US9530131B2 (en) | 2008-07-29 | 2016-12-27 | Visa U.S.A. Inc. | Transaction processing using a global unique identifier |
| US9547769B2 (en) | 2012-07-03 | 2017-01-17 | Visa International Service Association | Data protection hub |
| US9589268B2 (en) | 2010-02-24 | 2017-03-07 | Visa International Service Association | Integration of payment capability into secure elements of computers |
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Also Published As
| Publication number | Publication date |
|---|---|
| WO2006113834A3 (fr) | 2009-04-23 |
| CN102368325A (zh) | 2012-03-07 |
| WO2006113834A9 (fr) | 2007-11-01 |
| SG161290A1 (en) | 2010-05-27 |
| JP2008541206A (ja) | 2008-11-20 |
| CA2601785A1 (fr) | 2006-10-26 |
| EP1872188A2 (fr) | 2008-01-02 |
| AU2006236243B2 (en) | 2011-03-24 |
| NO20074614L (no) | 2007-11-16 |
| MX2007012648A (es) | 2007-12-13 |
| KR20070120125A (ko) | 2007-12-21 |
| EP1872188A4 (fr) | 2011-04-27 |
| IL185978A0 (en) | 2008-01-20 |
| BRPI0608591A2 (pt) | 2010-01-19 |
| AU2006236243A1 (en) | 2006-10-26 |
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