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BR112018006722A2 - utilizando token aprimorado de autenticação de portador de cartão - Google Patents

utilizando token aprimorado de autenticação de portador de cartão

Info

Publication number
BR112018006722A2
BR112018006722A2 BR112018006722A BR112018006722A BR112018006722A2 BR 112018006722 A2 BR112018006722 A2 BR 112018006722A2 BR 112018006722 A BR112018006722 A BR 112018006722A BR 112018006722 A BR112018006722 A BR 112018006722A BR 112018006722 A2 BR112018006722 A2 BR 112018006722A2
Authority
BR
Brazil
Prior art keywords
enhanced
purchase transaction
merchant
mpi
transaction authorization
Prior art date
Application number
BR112018006722A
Other languages
English (en)
Inventor
J Lock Sheryl
Hubbard Steve
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 BR112018006722A2 publication Critical patent/BR112018006722A2/pt

Links

Classifications

    • 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
    • G06Q20/08—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
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3821—Electronic credentials
    • 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
    • G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing
    • 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
    • H04L63/10—Network architectures or network communication protocols for network security for controlling access to devices or network resources

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Theoretical Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • Computer Security & Cryptography (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Computing Systems (AREA)
  • General Engineering & Computer Science (AREA)
  • Computer Hardware Design (AREA)
  • Signal Processing (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)

Abstract

a presente invenção refere-se a métodos e sistemas para autorizar uma transação de compra online. em algumas concretizações, durante uma transação online, um aplicativo de extensão do comerciante (mpi) de um servidor do comerciante recebe uma mensagem de autenticação de portador de cartão incluindo uma variável de autenticação de titular de conta (aav) aprimorada a partir de um servidor de controle de acesso (acs) da emissora. o aplicativo mpi então transmite uma mensagem de solicitação de autorização de transação de compra para um dispositivo de interconexão de redes de pagamento que inclui a aav aprimorada, e recebe uma resposta de autorização de transação de compra. o computador servidor do comerciante exibe a resposta de autorização de transação de compra em uma página da rede do comerciante e armazena a mesma junto com a aav aprimorada em associação com os dados do portador de cartão em uma base de dados do mpi.
BR112018006722A 2015-10-15 2016-10-05 utilizando token aprimorado de autenticação de portador de cartão BR112018006722A2 (pt)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US14/883,835 US20170109752A1 (en) 2015-10-15 2015-10-15 Utilizing enhanced cardholder authentication token
PCT/US2016/055440 WO2017066057A1 (en) 2015-10-15 2016-10-05 Utilizing enhanced cardholder authentication token

Publications (1)

Publication Number Publication Date
BR112018006722A2 true BR112018006722A2 (pt) 2018-10-09

Family

ID=57178503

Family Applications (1)

Application Number Title Priority Date Filing Date
BR112018006722A BR112018006722A2 (pt) 2015-10-15 2016-10-05 utilizando token aprimorado de autenticação de portador de cartão

Country Status (6)

Country Link
US (1) US20170109752A1 (pt)
EP (1) EP3362967A1 (pt)
CN (1) CN108292398A (pt)
BR (1) BR112018006722A2 (pt)
RU (1) RU2699686C1 (pt)
WO (1) WO2017066057A1 (pt)

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* Cited by examiner, † Cited by third party
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US10339603B1 (en) * 2014-08-15 2019-07-02 Metaurus Llc Separately traded registered discount income and equity securities and systems and methods for trading thereof
US11093940B2 (en) * 2016-10-13 2021-08-17 Mastercard International Incorporated Systems and methods for authenticating a user using private network credentials
US10949845B2 (en) * 2016-11-11 2021-03-16 Mastercard International Incorporated Systems and methods for expedited processing of authenticated computer messages
US10740757B2 (en) * 2017-01-04 2020-08-11 Mastercard International Incorporated Method and system for secured merchant verification
KR102303665B1 (ko) * 2017-03-29 2021-09-17 삼성전자주식회사 플러그인 서비스를 포함하는 결제 서비스 제공 방법 및 그 전자장치
US11080697B2 (en) * 2017-10-05 2021-08-03 Mastercard International Incorporated Systems and methods for use in authenticating users in connection with network transactions
EP3785419B1 (en) * 2018-04-24 2024-05-29 Visa International Service Association Efficient and secure authentication system
CN110633986B (zh) * 2018-06-22 2023-12-01 万事达卡国际公司 用于认证在线用户的系统及方法
US11875349B2 (en) 2018-06-22 2024-01-16 Mastercard International Incorporated Systems and methods for authenticating online users with an access control server
EP3588421A1 (en) * 2018-06-22 2020-01-01 Mastercard International Incorporated Systems and methods for authenticating online users in regulated environments
AU2019204415A1 (en) * 2018-06-22 2020-01-23 Mastercard International Incorporated Systems and methods for authenticating online users
EP3588419B1 (en) * 2018-06-22 2023-11-15 Mastercard International Incorporated Systems and methods for authenticating online users with an access control server
US11880842B2 (en) * 2018-12-17 2024-01-23 Mastercard International Incorporated United states system and methods for dynamically determined contextual, user-defined, and adaptive authentication
JP6585808B1 (ja) * 2018-12-21 2019-10-02 ＬＩＮＥ Ｐａｙ株式会社 生成方法、プログラム、情報処理装置
US11334891B1 (en) * 2019-01-17 2022-05-17 Worldpay, Llc Methods and systems for secure authentication in a virtual or augmented reality environment
US20210065170A1 (en) * 2019-08-28 2021-03-04 Amazon Technologies, Inc. Selecting exemptions to strong authentication requirements
US11436596B2 (en) * 2019-08-28 2022-09-06 Amazon Technologies, Inc. Eligibility determination for delegation exemption to strong authentication requirements
US11348172B2 (en) 2019-08-28 2022-05-31 Amazon Technologies, Inc. User interfaces that differentiate payment instruments having a trusted beneficiary
EP4035333A4 (en) 2019-09-24 2022-11-16 Magic Labs, Inc. TOOL WITHOUT CUSTODIES FOR CREATING DISTRIBUTED COMPUTER APPLICATIONS
US11328047B2 (en) * 2019-10-31 2022-05-10 Microsoft Technology Licensing, Llc. Gamified challenge to detect a non-human user
US12021861B2 (en) * 2021-01-04 2024-06-25 Bank Of America Corporation Identity verification through multisystem cooperation
US20240144231A1 (en) * 2022-10-28 2024-05-02 Yellcast, Inc. Payment Device and Method with Detection of Falsified Payee Information Based on Weighted Location Data Obtained by the Payment Device
WO2024173886A1 (en) 2023-02-17 2024-08-22 Magic Labs, Inc. Non-custodial tool for data encryption and decryption with decentralized data storage and recovery

Family Cites Families (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5848396A (en) * 1996-04-26 1998-12-08 Freedom Of Information, Inc. Method and apparatus for determining behavioral profile of a computer user
ATE242511T1 (de) * 1998-10-28 2003-06-15 Verticalone Corp Gerät und verfahren für die automatische zusammenstellung und übertragung von transaktionen welche persönliche elektronische informationen oder daten enthalten
WO2002027631A2 (en) * 2000-09-27 2002-04-04 Mastercard International Incorporated A universal and interoperable system and method utilizing a universal cardholder authentication field (ucaf) for authentication data collection and validation
JP2007517272A (ja) * 2003-06-10 2007-06-28 マスターカード インターナシヨナル インコーポレーテツド フォーマット化したデータ構造を用いた保証付き決済取引システム及び方法
EP1999715A4 (en) * 2006-03-02 2014-07-09 Visa Int Service Ass METHOD AND SYSTEM FOR REALIZING TWO-FACTOR AUTHENTICATION IN CORRESPONDENCE OR TELEPHONE SALE TRANSACTIONS
CN101573909A (zh) * 2006-11-16 2009-11-04 维萨美国股份有限公司 自适应的认证选择

Also Published As

Publication number Publication date
RU2699686C1 (ru) 2019-09-09
WO2017066057A1 (en) 2017-04-20
US20170109752A1 (en) 2017-04-20
CN108292398A (zh) 2018-07-17
EP3362967A1 (en) 2018-08-22

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Legal Events

Date Code Title Description
B06U Preliminary requirement: requests with searches performed by other patent offices: procedure suspended [chapter 6.21 patent gazette]
B11B Dismissal acc. art. 36, par 1 of ipl - no reply within 90 days to fullfil the necessary requirements