WO2016146071A1 - Authentification multi-points pour des transactions de paiement - Google Patents

Authentification multi-points pour des transactions de paiement Download PDF

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Publication number
WO2016146071A1
WO2016146071A1 PCT/CN2016/076594 CN2016076594W WO2016146071A1 WO 2016146071 A1 WO2016146071 A1 WO 2016146071A1 CN 2016076594 W CN2016076594 W CN 2016076594W WO 2016146071 A1 WO2016146071 A1 WO 2016146071A1
Authority
WO
WIPO (PCT)
Prior art keywords
payment
pos terminal
cardholder
mobile device
randomized
Prior art date
Application number
PCT/CN2016/076594
Other languages
English (en)
Inventor
C.Timothy BUCHHOLTZ
D.Morgan DAVIS
Daniel Ramirez
J.Michael ROHN
Original Assignee
International Business Machines Corporation
Ibm (China) Co., Limited
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 claimed from US14/662,329 external-priority patent/US9953324B2/en
Priority claimed from US14/662,315 external-priority patent/US20160275507A1/en
Priority claimed from US14/662,323 external-priority patent/US9892396B2/en
Application filed by International Business Machines Corporation, Ibm (China) Co., Limited filed Critical International Business Machines Corporation
Priority to MX2017016696A priority Critical patent/MX2017016696A/es
Publication of WO2016146071A1 publication Critical patent/WO2016146071A1/fr

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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
    • G06Q20/20—Point-of-sale [POS] network 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
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic 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
    • G06Q20/38—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
    • G06Q20/4018—Transaction verification using the card verification value [CVV] associated with the card
    • 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
    • G06Q20/409—Device specific authentication in transaction processing
    • 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
    • G06Q30/06—Buying, selling or leasing 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Finance (AREA)
  • Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Development Economics (AREA)
  • Marketing (AREA)
  • Economics (AREA)
  • Computer Security & Cryptography (AREA)
  • Technology Law (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

L'authentification pour une transaction de paiement consiste à : recevoir, au moyen d'un terminal de point de vente (POS), une indication spécifiant qu'un compte de paiement d'un titulaire de carte est associé à un dispositif mobile ; et recevoir une seconde indication de possession physique d'une carte de paiement par un commerçant. L'authentification consiste à : recevoir une demande d'achat pour une autorisation d'échange du compte de paiement du titulaire de carte au commerçant ; et attribuer un identifiant de transaction à la demande d'autorisation de l'échange. L'authentification consiste à transmettre la demande d'autorisation de l'échange du compte de paiement du titulaire de carte au commerçant, ainsi que l'identifiant de transaction. L'authentification consiste à recevoir une indication spécifiant qu'un identifiant d'authentification est associé à l'identifiant de transaction. L'authentification consiste à recevoir une copie de l'identifiant d'authentification, facilitée par le titulaire de carte. L'authentification consiste à recevoir une validation selon laquelle la copie de l'identifiant d'authentification correspond à l'identifiant d'authentification.
PCT/CN2016/076594 2015-03-19 2016-03-17 Authentification multi-points pour des transactions de paiement WO2016146071A1 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
MX2017016696A MX2017016696A (es) 2015-06-30 2016-03-17 Mí‰TODO Y APARATO PARA COMPARTIR RECURSO DE LICENCIA ENTRE MíšLTIPLES FUNCIONES DE RED.

Applications Claiming Priority (6)

Application Number Priority Date Filing Date Title
US14/662323 2015-03-19
US14/662,329 US9953324B2 (en) 2015-03-19 2015-03-19 Multi-point authentication for payment transactions
US14/662,315 US20160275507A1 (en) 2015-03-19 2015-03-19 Multi-point authentication for payment transactions
US14/662329 2015-03-19
US14/662,323 US9892396B2 (en) 2015-03-19 2015-03-19 Multi-point authentication for payment transactions
US14/662315 2015-03-19

Publications (1)

Publication Number Publication Date
WO2016146071A1 true WO2016146071A1 (fr) 2016-09-22

Family

ID=56918333

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/CN2016/076594 WO2016146071A1 (fr) 2015-03-19 2016-03-17 Authentification multi-points pour des transactions de paiement

Country Status (1)

Country Link
WO (1) WO2016146071A1 (fr)

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20090057393A1 (en) * 2007-08-28 2009-03-05 American Express Travel Related Services Co., Inc. System and method for completing a secure financial transaction using a wireless communications device
CN101894424A (zh) * 2009-05-21 2010-11-24 北京西阁万投资咨询有限公司 提升安全性的交易卡处理系统和方法
US20120157062A1 (en) * 2010-12-16 2012-06-21 Boku, Inc. Systems and Methods to Selectively Authenticate via Mobile Communications
US20130030934A1 (en) * 2011-01-28 2013-01-31 Zumigo, Inc. System and method for credit card transaction approval based on mobile subscriber terminal location

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20090057393A1 (en) * 2007-08-28 2009-03-05 American Express Travel Related Services Co., Inc. System and method for completing a secure financial transaction using a wireless communications device
CN101894424A (zh) * 2009-05-21 2010-11-24 北京西阁万投资咨询有限公司 提升安全性的交易卡处理系统和方法
US20120157062A1 (en) * 2010-12-16 2012-06-21 Boku, Inc. Systems and Methods to Selectively Authenticate via Mobile Communications
US20130030934A1 (en) * 2011-01-28 2013-01-31 Zumigo, Inc. System and method for credit card transaction approval based on mobile subscriber terminal location

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