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RU2018131005A - Способы управления жизненным циклом платежного токена на мобильном устройстве - Google Patents

Способы управления жизненным циклом платежного токена на мобильном устройстве Download PDF

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Publication number
RU2018131005A
RU2018131005A RU2018131005A RU2018131005A RU2018131005A RU 2018131005 A RU2018131005 A RU 2018131005A RU 2018131005 A RU2018131005 A RU 2018131005A RU 2018131005 A RU2018131005 A RU 2018131005A RU 2018131005 A RU2018131005 A RU 2018131005A
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Russia
Prior art keywords
token
expiration date
pan
found
authorization request
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RU2018131005A
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English (en)
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RU2018131005A3 (ru
RU2707152C2 (ru
Inventor
Энтони ЛОПРЕИАТО
Джон МВАНГИ
Original Assignee
Мастеркард Интернэшнл Инкорпорейтед
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Publication of RU2018131005A publication Critical patent/RU2018131005A/ru
Publication of RU2018131005A3 publication Critical patent/RU2018131005A3/ru
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    • 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
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • 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
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • G06Q20/3678—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes e-cash details, e.g. blinded, divisible or detecting double spending
    • 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
    • G06Q20/3278—RFID or NFC payments by means of 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • G06Q20/3674—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes involving authentication
    • 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
    • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
    • 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

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

Claims (10)

1. Способ, содержащий:
прием в компьютерной системе запроса на авторизацию для платежной транзакции, причем запрос на авторизацию включает в себя токен и устаревшую дату окончания срока действия для этого токена;
доступ к записи для токена в базе данных токенов с целью нахождения текущей даты окончания срока действия токена;
замену устаревшей даты окончания срока действия найденной текущей датой окончания срока действия; и
передачу от компьютерной системы запроса на авторизацию с текущей датой окончания срока действия.
2. Способ по п. 1, который дополнительно содержит, после этапа приема и до этапа передачи:
поиск в базе данных токенов соответствующего первичного номера счета (PAN), в который отображается токен; и
вставку найденного PAN в запрос на авторизацию.
3. Способ по п. 2, в котором этап передачи включает в себя:
использование найденного PAN для направления запроса на авторизацию эмитенту счета платежной карты, указываемому найденным PAN.
RU2018131005A 2014-05-21 2015-05-21 Способы управления жизненным циклом платежного токена на мобильном устройстве RU2707152C2 (ru)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US14/283,937 2014-05-21
US14/283,937 US20150339663A1 (en) 2014-05-21 2014-05-21 Methods of payment token lifecycle management on a mobile device

Related Parent Applications (1)

Application Number Title Priority Date Filing Date
RU2016150083A Division RU2666312C2 (ru) 2014-05-21 2015-05-21 Способы управления жизненным циклом платежного токена на мобильном устройстве

Publications (3)

Publication Number Publication Date
RU2018131005A true RU2018131005A (ru) 2019-03-20
RU2018131005A3 RU2018131005A3 (ru) 2019-04-19
RU2707152C2 RU2707152C2 (ru) 2019-11-22

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RU2018131005A RU2707152C2 (ru) 2014-05-21 2015-05-21 Способы управления жизненным циклом платежного токена на мобильном устройстве
RU2016150083A RU2666312C2 (ru) 2014-05-21 2015-05-21 Способы управления жизненным циклом платежного токена на мобильном устройстве

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RU2016150083A RU2666312C2 (ru) 2014-05-21 2015-05-21 Способы управления жизненным циклом платежного токена на мобильном устройстве

Country Status (9)

Country Link
US (2) US20150339663A1 (ru)
EP (1) EP3146485A4 (ru)
JP (2) JP6420371B2 (ru)
AU (1) AU2015264053B2 (ru)
CA (1) CA2949444C (ru)
MX (1) MX2016015177A (ru)
RU (2) RU2707152C2 (ru)
SG (2) SG10201709344UA (ru)
WO (1) WO2015179649A1 (ru)

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