CL2016001353A1 - Métodos y sistemas para la autentificación segura de un usuario y un dispositivo móvil sin elementos de seguridad y que generan credenciales de pago en una transacción de pago. - Google Patents

Métodos y sistemas para la autentificación segura de un usuario y un dispositivo móvil sin elementos de seguridad y que generan credenciales de pago en una transacción de pago.

Info

Publication number
CL2016001353A1
CL2016001353A1 CL2016001353A CL2016001353A CL2016001353A1 CL 2016001353 A1 CL2016001353 A1 CL 2016001353A1 CL 2016001353 A CL2016001353 A CL 2016001353A CL 2016001353 A CL2016001353 A CL 2016001353A CL 2016001353 A1 CL2016001353 A1 CL 2016001353A1
Authority
CL
Chile
Prior art keywords
mobile
user
generate
payment transaction
mobile computer
Prior art date
Application number
CL2016001353A
Other languages
English (en)
Inventor
Mehdi Collinge
Axel Emilie Jean Charles Cateland
Patrick Smets
Original Assignee
Mastercard International Inc
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
Application filed by Mastercard International Inc filed Critical Mastercard International Inc
Publication of CL2016001353A1 publication Critical patent/CL2016001353A1/es

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/3274—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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]
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/204—Point-of-sale [POS] network systems comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/3823—Payment protocols; Details thereof insuring higher security of transaction combining multiple encryption tools for a transaction

Landscapes

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

Abstract

UN MÉTODO PARA GENERAR CREDENCIALES DE PAGO EN UNA TRANSACCIÓN DE PAGO, QUE INCLUYE ALMACENAR, EN UNA MEMORIA DE UN DISPOSITIVO DE COMPUTACIÓN MÓVIL, POR LO MENOS UNA LLAVE DE UN SOLO USO ASOCIADA CON UNA CUENTA DE TRANSACCIONES RECIBIR, MEDIANTE UN DISPOSITIVO DE RECEPCIÓN DEL DISPOSITIVO DE COMPUTACIÓN MÓVIL, UN NÚMERO DE IDENTIFICACIÓN PERSONAL INGRESADO POR UN USUARIO DEL DISPOSITIVO DE COMPUTACIÓN MÓVIL IDENTIFICAR, MEDIANTE UN DISPOSITIVO DE PROCESAMIENTO DEL DISPOSITIVO DE COMPUTACIÓN MÓVIL, UNA PRIMERA LLAVE DE SESIÓN GENERAR, MEDIANTE EL DISPOSITIVO DE PROCESAMIENTO DEL DISPOSITIVO DE COMPUTACIÓN MÓVIL, UNA SEGUNDA LLAVE DE SESIÓN BASÁNDOSE EN POR LO MENOS LA LLAVE DE UN SOLO USO ALMACENADA Y EL NÚMERO DE IDENTIFICACIÓN PERSONAL RECIBIDO GENERAR, MEDIANTE EL DISPOSITIVO DE PROCESAMIENTO DEL DISPOSITIVO DE COMPUTACIÓN MÓVIL, UN PRIMER CRIPTOGRAMA DE APLICACIÓN BASÁNDOSE EN POR LO MENOS LA PRIMERA LLAVE DE SESIÓN GENERAR, MEDIANTE EL DISPOSITIVO DE PROCESAMIENTO DEL DISPOSITIVO DE COMPUTACIÓN MÓVIL, UN SEGUNDO CRIPTOGRAMA DE APLICACIÓN BASÁNDOSE EN POR LO MENOS LA SEGUNDA LLAVE DE SESIÓN Y TRANSMITIR, MEDIANTE UN DISPOSITIVO DE TRANSMISIÓN DEL DISPOSITIVO DE COMPUTACIÓN MÓVIL, POR LO MENOS EL PRIMER CRIPTOGRAMA DE APLICACIÓN Y EL SEGUNDO CRIPTOGRAMA DE APLICACIÓN A UNA ENTIDAD EXTERNA PARA UTILIZARSE EN VALIDAR Y PROCESAR UNA TRANSACCIÓN DE PAGO. SISTEMA QUE REALIZA DICHO MÉTODO.
CL2016001353A 2013-12-02 2016-06-02 Métodos y sistemas para la autentificación segura de un usuario y un dispositivo móvil sin elementos de seguridad y que generan credenciales de pago en una transacción de pago. CL2016001353A1 (es)

Applications Claiming Priority (5)

Application Number Priority Date Filing Date Title
US201361910819P 2013-12-02 2013-12-02
US201461951842P 2014-03-12 2014-03-12
US201461955716P 2014-03-19 2014-03-19
US201461979132P 2014-04-14 2014-04-14
US201461980784P 2014-04-17 2014-04-17

Publications (1)

Publication Number Publication Date
CL2016001353A1 true CL2016001353A1 (es) 2017-05-12

Family

ID=53274011

Family Applications (1)

Application Number Title Priority Date Filing Date
CL2016001353A CL2016001353A1 (es) 2013-12-02 2016-06-02 Métodos y sistemas para la autentificación segura de un usuario y un dispositivo móvil sin elementos de seguridad y que generan credenciales de pago en una transacción de pago.

Country Status (16)

Country Link
EP (1) EP3077972A4 (es)
JP (2) JP6353537B2 (es)
KR (2) KR101809221B1 (es)
CN (1) CN106062799B (es)
AU (1) AU2014357381B2 (es)
BR (1) BR112016012527A2 (es)
CA (1) CA2932346C (es)
CL (1) CL2016001353A1 (es)
HK (1) HK1227146A1 (es)
IL (1) IL245965B (es)
MX (1) MX361793B (es)
NZ (1) NZ720688A (es)
RU (1) RU2663319C2 (es)
SG (1) SG10201800179UA (es)
UA (1) UA115500C2 (es)
WO (1) WO2015084755A1 (es)

Families Citing this family (26)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN111160902B (zh) 2013-12-02 2023-06-23 万事达卡国际股份有限公司 用于向不带有安全元件的移动设备安全传送远程通知服务消息的方法及系统
CA2933336C (en) * 2014-04-14 2018-09-04 Mastercard International Incorporated Method and system for generating an advanced storage key in a mobile device without secure elements
US10614442B2 (en) 2014-12-03 2020-04-07 Mastercard International Incorporated System and method of facilitating cash transactions at an ATM system without an ATM card using mobile
US10185949B2 (en) 2015-03-05 2019-01-22 American Express Travel Related Services Company, Inc. System and method for authentication of a mobile device configured with payment capabilities
US10248947B2 (en) * 2015-06-29 2019-04-02 Oberthur Technologies of America Corp. Method of generating a bank transaction request for a mobile terminal having a secure module
US11120436B2 (en) 2015-07-17 2021-09-14 Mastercard International Incorporated Authentication system and method for server-based payments
SG10201508945YA (en) 2015-10-29 2017-05-30 Mastercard International Inc Method and system for cardless use of an automated teller machine (atm)
US10496982B2 (en) 2016-02-03 2019-12-03 Accenture Global Solutions Limited Secure contactless card emulation
EP4177810A1 (en) * 2016-04-18 2023-05-10 Bancontact Payconiq Company Method and device for authorizing mobile transactions
WO2017184840A1 (en) * 2016-04-21 2017-10-26 Mastercard International Incorporated Method and system for contactless transactions without user credentials
AU2017318589B2 (en) * 2016-09-04 2020-04-09 Mastercard International Incorporated Method and system for cardless ATM transaction via mobile device
EP3340094B1 (en) * 2016-12-22 2021-04-28 Mastercard International Incorporated Method for renewal of cryptographic whiteboxes under binding of new public key and old identifier
US11244296B2 (en) * 2017-01-23 2022-02-08 Mastercard International Incorporated Method and system for authentication via a trusted execution environment
EP3364363A1 (en) 2017-02-21 2018-08-22 Mastercard International Incorporated Transaction cryptogram
EP3364329B1 (en) 2017-02-21 2023-07-26 Mastercard International Incorporated Security architecture for device applications
EP3364352A1 (en) 2017-02-21 2018-08-22 Mastercard International Incorporated Determining legitimate conditions at a computing device
CN107274183B (zh) * 2017-03-21 2020-05-22 中国银联股份有限公司 交易验证方法及系统
US11468444B2 (en) * 2017-12-18 2022-10-11 Mastercard International Incorporated Method and system for bypassing merchant systems to increase data security in conveyance of credentials
KR101972599B1 (ko) * 2018-06-19 2019-04-25 김승훈 세션키 처리장치, 처리 방법 및 이를 위한 프로그램을 기록한 컴퓨터 판독 가능한 기록매체
US10581611B1 (en) 2018-10-02 2020-03-03 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards
EP3640878B1 (fr) * 2018-10-17 2023-06-21 Swatch Ag Procede et systeme d'activation d'un objet portable de paiement sans contact
US10984416B2 (en) * 2019-03-20 2021-04-20 Capital One Services, Llc NFC mobile currency transfer
US11803827B2 (en) 2019-11-01 2023-10-31 Mastercard International Incorporated Method and system for enabling cardless transactions at an ATM for any institutional entity
CN111901109B (zh) * 2020-08-04 2022-10-04 华人运通(上海)云计算科技有限公司 基于白盒的通信方法、装置、设备和存储介质
CN113421084B (zh) * 2021-05-26 2023-03-24 歌尔股份有限公司 公交卡处理方法、装置、设备及可读存储介质
US12562905B2 (en) 2024-01-22 2026-02-24 Bank Of America Corporation System and method for encrypting user device resource transactions

Family Cites Families (21)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JPH07297819A (ja) * 1994-04-12 1995-11-10 Tandem Comput Inc ネットワーク伝送のために個人の照合とメッセージ認証の暗号化とを組み合わせ処理する方法および手段
JP4030027B2 (ja) * 1997-08-22 2008-01-09 沖電気工業株式会社 取引情報通知システム
JP4183823B2 (ja) * 1999-02-10 2008-11-19 富士通株式会社 データ照合装置、データ照合システムおよびデータ照合プログラム記憶媒体
US7249093B1 (en) * 1999-09-07 2007-07-24 Rysix Holdings, Llc Method of and system for making purchases over a computer network
JP2002169959A (ja) * 2000-11-30 2002-06-14 Laurel Intelligent Systems Co Ltd 金融システム
JP2003006449A (ja) * 2001-06-18 2003-01-10 Mist Wireless Technology Kk 取引処理システム、取引処理方法、暗証番号入力装置、取引端末、ホスト装置
JP2004086599A (ja) * 2002-08-27 2004-03-18 Toppan Printing Co Ltd クレジットカード情報管理装置および管理方法並びにそのプログラム
JP4052158B2 (ja) * 2003-03-25 2008-02-27 株式会社日立製作所 Ｉｃカードシステムおよびｉｃカード発行方法
US7873572B2 (en) * 2004-02-26 2011-01-18 Reardon David C Financial transaction system with integrated electronic messaging, control of marketing data, and user defined charges for receiving messages
SI2011301T1 (sl) * 2006-04-10 2011-10-28 Trust Integration Services B V Sklop in postopek za varen prenos podatkov
JP2008236449A (ja) * 2007-03-22 2008-10-02 Oki Electric Ind Co Ltd 金融システムとマスタキー登録確認方法
JP2009043196A (ja) * 2007-08-10 2009-02-26 Icon:Kk 手続き代行サーバ装置、停止処理代行サーバ装置、停止処理代行方法及びプログラム
US8713655B2 (en) * 2008-04-21 2014-04-29 Indian Institute Of Technology Method and system for using personal devices for authentication and service access at service outlets
SG10201506319WA (en) * 2010-08-12 2015-09-29 Mastercard International Inc Multi-commerce channel wallet for authenticated transactions
US8746553B2 (en) * 2010-09-27 2014-06-10 Mastercard International Incorporated Purchase Payment device updates using an authentication process
KR20120110926A (ko) * 2011-03-30 2012-10-10 주식회사 비즈모델라인 프로그램 식별을 통한 카드 결제 방법 및 시스템과 이를 위한 스마트폰
GB201105765D0 (en) * 2011-04-05 2011-05-18 Visa Europe Ltd Payment system
WO2012170895A1 (en) * 2011-06-09 2012-12-13 Yeager C Douglas Systems and methods for authorizing a transaction
CN103858141B (zh) * 2011-08-08 2018-03-30 维萨国际服务协会 带有集成芯片的支付设备
US10515359B2 (en) * 2012-04-02 2019-12-24 Mastercard International Incorporated Systems and methods for processing mobile payments by provisioning credentials to mobile devices without secure elements
EP2839421A4 (en) * 2012-04-18 2015-07-15 Google Inc PROCESSING PAYMENT TRANSACTIONS WITHOUT A SAFE ITEM

Also Published As

Publication number Publication date
BR112016012527A2 (pt) 2017-08-08
JP2018164281A (ja) 2018-10-18
JP2017504871A (ja) 2017-02-09
AU2014357381A1 (en) 2016-06-16
EP3077972A1 (en) 2016-10-12
RU2663319C2 (ru) 2018-08-03
SG10201800179UA (en) 2018-02-27
CN106062799B (zh) 2022-04-29
KR20160091418A (ko) 2016-08-02
CA2932346A1 (en) 2015-06-11
EP3077972A4 (en) 2017-08-09
MX2016007217A (es) 2016-12-09
IL245965A0 (en) 2016-07-31
AU2014357381B2 (en) 2017-03-23
KR102025816B1 (ko) 2019-09-26
UA115500C2 (uk) 2017-11-10
MX361793B (es) 2018-12-17
IL245965B (en) 2022-05-01
CN106062799A (zh) 2016-10-26
KR101809221B1 (ko) 2017-12-14
KR20170139689A (ko) 2017-12-19
HK1227146A1 (zh) 2017-10-13
NZ720688A (en) 2017-09-29
CA2932346C (en) 2018-09-04
JP6353537B2 (ja) 2018-07-04
WO2015084755A1 (en) 2015-06-11

Similar Documents

Publication Publication Date Title
CL2016001353A1 (es) Métodos y sistemas para la autentificación segura de un usuario y un dispositivo móvil sin elementos de seguridad y que generan credenciales de pago en una transacción de pago.
BR112018076196A2 (pt) método, e, dispositivos de comunicação portátil e de acesso.
CL2016001351A1 (es) Método y sistema para la transmision segura de mensajes del servicio de transmision a distancia a dispositivos moviles sin elementos de seguridad
CL2018002363A1 (es) Determinación de un secreto común para el intercambio seguro de información y claves criptográficas deterministas y jerárquicas.
BR112017002747A2 (pt) método implementado por computador, e, sistema de computador.
BR112017003018A2 (pt) fornecimento seguro de uma credencial de autenticação
EP4307695A3 (en) Systems and methods for performing transport i/o
MX2016010086A (es) Metodo y sistema para generar una llave de almacenamiento avanzada en un dispositivo movil sin elementos de seguridad.
MX2018003007A (es) Dispositivo proxy para representar multiples credenciales.
MX2018005593A (es) Metodo y sistema de procesamiento de transaccion de cadena de bloques en red de procesamiento de transaccion.
BR112012022938A2 (pt) métodos e sistema
WO2015187640A3 (en) System and method for secure review of audit logs
BR112018073935A2 (pt) método, dispositivo de usuário, e, computador de autorização.
MY189090A (en) Method and apparatus of barcode-based mobile payment and service processing
PH12018501578A1 (en) Credit payment method and apparatus based on mobile terminal p2p
WO2016073047A3 (en) Environment-aware security tokens
BR112015028071A2 (pt) sistemas e métodos para comunicação segura
JP2016522468A5 (es)
HK1206900A1 (en) Systems and methods for processing mobile payments by provisioning credentials to mobile devices without secure elements
SG11201900367SA (en) Method and device for providing and obtaining graphic code information, and terminal
MX2018000737A (es) Sistemas y metodos de pago de modos multiples.
GB2574545A (en) Security credentials
WO2016190918A3 (en) Multiple protocol transaction encryption
UY36409A (es) Método y sistema para tarjeta de pago híbrida habilitada para transporte
BR112013001728A2 (pt) métodos para criptografar um valor introduzido em um dispositivo de usuário, para verificar um valor comunicado a um sistema de autenticação via uma rede de comunicações, e para comunicar um valor introduzido em um dispositivo de usuário a um sistema de autenticação via uma rede de comunicações, dispositivo de usuário, sistema, software, e, meio legível por computador.