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WO2015150917A3 - System and method for authenticating transactions through a mobile device - Google Patents

System and method for authenticating transactions through a mobile device Download PDF

Info

Publication number
WO2015150917A3
WO2015150917A3 PCT/IB2015/001035 IB2015001035W WO2015150917A3 WO 2015150917 A3 WO2015150917 A3 WO 2015150917A3 IB 2015001035 W IB2015001035 W IB 2015001035W WO 2015150917 A3 WO2015150917 A3 WO 2015150917A3
Authority
WO
WIPO (PCT)
Prior art keywords
transaction
user
digital signature
mobile device
public key
Prior art date
Application number
PCT/IB2015/001035
Other languages
French (fr)
Other versions
WO2015150917A2 (en
Inventor
Dennis Poon
Simon Law
Richard Burnison
Original Assignee
Salt Technology 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
Priority claimed from US14/173,089 external-priority patent/US20140156531A1/en
Application filed by Salt Technology Inc. filed Critical Salt Technology Inc.
Publication of WO2015150917A2 publication Critical patent/WO2015150917A2/en
Publication of WO2015150917A3 publication Critical patent/WO2015150917A3/en

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
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3825—Use of electronic signatures
    • 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]
    • G06Q20/027—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] involving a payment switch or gateway
    • 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]
    • 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
    • G06Q20/389—Keeping log of transactions for guaranteeing non-repudiation 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
    • 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
    • G06Q20/40145—Biometric identity checks
    • 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

Landscapes

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

Abstract

A user may claim to have not made or allowed a transaction and that the transaction was made in error. Where it appears the user has not authorized the transaction, the funds of the transaction are returned to the user, or are charged back. Systems and methods provide a way to confirm whether or not a transaction was actually authorized by the user, thereby settling a chargeback dispute for a previously executed transaction. The method comprises receiving the dispute regarding the transaction including associated transaction data, and retrieving a digital signature associated with the transaction data, the digital signature computed by signing the transaction data. The digital signature is then verified using a public key, wherein the public key corresponds to a private key stored on a mobile device. It is then determined whether or not the transaction is fraudulent based on a verification result of the digital signature.
PCT/IB2015/001035 2014-02-05 2015-02-05 System and method for authenticating transactions through a mobile device WO2015150917A2 (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US14/173,089 2014-02-05
US14/173,089 US20140156531A1 (en) 2010-12-14 2014-02-05 System and Method for Authenticating Transactions Through a Mobile Device

Publications (2)

Publication Number Publication Date
WO2015150917A2 WO2015150917A2 (en) 2015-10-08
WO2015150917A3 true WO2015150917A3 (en) 2016-01-21

Family

ID=54241385

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/IB2015/001035 WO2015150917A2 (en) 2014-02-05 2015-02-05 System and method for authenticating transactions through a mobile device

Country Status (1)

Country Link
WO (1) WO2015150917A2 (en)

Families Citing this family (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2019032538A1 (en) * 2017-08-08 2019-02-14 Walmart Apollo, Llc Validating identification of a user for purchase of age-restricted items
CN108876387B (en) * 2018-05-29 2022-03-25 努比亚技术有限公司 Payment verification method, payment verification equipment and computer-readable storage medium
US10810585B2 (en) 2018-07-06 2020-10-20 Mastercard International Incorporated Systems and methods for authenticating users in connection with mobile operations
WO2020060835A1 (en) 2018-09-20 2020-03-26 Walmart Apollo, Llc Systems and methods for the sale of age-restricted merchandise
BR102018069357A2 (en) * 2018-09-21 2020-03-31 Banco Agibank S.A AUTHENTICATION SYSTEM AND PROCESS FOR FINANCIAL OPERATIONS WITH A SECOND AUTHENTICATION FACTOR

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20070011099A1 (en) * 2005-07-11 2007-01-11 Conrad Sheehan SECURE ELECTRONIC TRANSACTIONS BETWEEN A MOBILE DEVICE AND OTHER MOBILE, FIXED, or VIRTUAL DEVICES
US7606560B2 (en) * 2002-08-08 2009-10-20 Fujitsu Limited Authentication services using mobile device
US20120150742A1 (en) * 2010-12-14 2012-06-14 Xtreme Mobility Inc. System and Method for Authenticating Transactions Through a Mobile Device

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7606560B2 (en) * 2002-08-08 2009-10-20 Fujitsu Limited Authentication services using mobile device
US20070011099A1 (en) * 2005-07-11 2007-01-11 Conrad Sheehan SECURE ELECTRONIC TRANSACTIONS BETWEEN A MOBILE DEVICE AND OTHER MOBILE, FIXED, or VIRTUAL DEVICES
US20120150742A1 (en) * 2010-12-14 2012-06-14 Xtreme Mobility Inc. System and Method for Authenticating Transactions Through a Mobile Device

Also Published As

Publication number Publication date
WO2015150917A2 (en) 2015-10-08

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