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WO2004049621A1 - Systeme d'authentification et d'identification et transactions utilisant un tel systeme d'authentification et d'identification - Google Patents

Systeme d'authentification et d'identification et transactions utilisant un tel systeme d'authentification et d'identification Download PDF

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Publication number
WO2004049621A1
WO2004049621A1 PCT/SG2003/000279 SG0300279W WO2004049621A1 WO 2004049621 A1 WO2004049621 A1 WO 2004049621A1 SG 0300279 W SG0300279 W SG 0300279W WO 2004049621 A1 WO2004049621 A1 WO 2004049621A1
Authority
WO
WIPO (PCT)
Prior art keywords
authentication
terminal
facilitator
operator
identification sign
Prior art date
Legal status (The legal status 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 status listed.)
Ceased
Application number
PCT/SG2003/000279
Other languages
English (en)
Inventor
Mack Kalevi Palomaki
Olaf Fritz Hans Otto Lohmann
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
GOLD FUSION INTERNATIONAL Ltd
Original Assignee
GOLD FUSION INTERNATIONAL Ltd
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 GOLD FUSION INTERNATIONAL Ltd filed Critical GOLD FUSION INTERNATIONAL Ltd
Priority to AU2003282770A priority Critical patent/AU2003282770A1/en
Publication of WO2004049621A1 publication Critical patent/WO2004049621A1/fr
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
    • G06Q20/425—Confirmation, e.g. check or permission by the legal debtor of payment using two different networks, one for transaction and one for security confirmation
    • 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
    • G06Q20/326—Payment applications installed on the mobile 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
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • 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
    • G06Q20/04—Payment circuits
    • 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
    • G06Q20/16—Payments settled via telecommunication 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
    • G06Q20/22—Payment schemes or models
    • G06Q20/29—Payment schemes or models characterised by micropayments
    • 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]
    • G06Q20/3224—Transactions dependent on location 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
    • G06Q20/32—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]
    • G06Q20/3229—Use of the SIM of a M-device as secure element
    • 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
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions

Definitions

  • the invention also provides a method for authenticating and identifying a user for enabling a facilitator to provide an authentication and identification message to a first terminal over a first channel, whereby
  • the user is not required to provide any identity information or data to the first terminal, not to any operator of the first terminal If identity data or information regarding the user is provided by the user or the second terminal to the first terminal or an operator of the first terminal, it is preferred that such information or data cannot be entered into the first terminal, and cannot be sent to the facilitator by the first terminal
  • the facilitator may generate a facilitator's message containing a one-use only authentication and identification sign to be used for a single authentication process, the facilitator sending the facilitator's message containing the authentication and identification sign to the first terminal using the first telecommunications channel
  • the authentication and identification may be part of a transaction system, the transaction system being one or more of: a financial transaction, a payment transaction, a queuing transaction, a signing on or off for a service supplier, making a booking or reservation, arranging for a service by a service supplier, discontinuing a service by a service supplier, and logon to an application or the Internet.
  • the present invention provides a method for authenticating and identifying a user whereby (a) a first terminal communicates with a facilitator over a first channel and
  • the second terminal sends the authentication and identification sign to the operator over the second channel;
  • the operator receives the authentication and identification sign from the second terminal, the authentication and identification sign having added to it at least one identification detail of the user;
  • the present invention also provides a method for authenticating and identifying a user whereby a first terminal is able to communicate with a facilitator over a first channel and a second terminal is able to communicate with an operator over a second channel, the operator and the facilitator being able to communicate with each other; wherein in the first terminal sends a request to the facilitator over the first channel and receives from the facilitator a facilitator's message generated by the facilitator and containing a one-use only authentication and identification sign to be used for a single authentication process; the first terminal passes the authentication and identification sign to the second terminal to enable:
  • the first channel and the second channel may be separated by.at least one of: physically and logically.
  • the first channel may be a first telecommunications channel
  • the second channel may be a second telecommunications channel.
  • At least one of the first channel and the second channel may be secure.
  • An RF smart card may be used in place of the operator; and may be used in place of the financial institution.
  • the operator 324 has a trusted relationship with the financial institution 326, 328, 330.
  • the user 322 has another trusted relationship with the operator 324.
  • the user 322 gives the mobile operator 324 an authority to act on their behalf to execute transactions with the financial institution 326, 328, 330.
  • customer 822 is billed by mobile operator 824.
  • Operator 924 sends confirmation SMS to customer 924;
  • 4 mobile operator 1024 sends customer ID, authentication and identification sign, time, and if required or desired location, to payment facilitator 1034; 5 merchant 1032 sends PIN (if entered), amount, POS ID, merchant ID, authentication and identification sign, time;
  • d. needs to abide by the terms and conditions of the service; e. must pay for the services used; f. is responsible for safeguarding the mobile phone and any PIN codes associated to the service; and g. must promptly notify the service facilitator in case of loss or theft of his mobile phone in order to prevent personal financial loss. If used for the payment of parking fees, it might become necessary to register the user's vehicle registration number.
  • the operator 1124 may transmit a PIN that may be encrypted.
  • delegated trust There are two options for the financial institution depending if delegated trust is implemented. If delegated trust is implemented, the financial institution can execute transactions without modification to existing processes. If delegated trust is not implemented, the financial institution may need to provide a new interface between its systems and the payment facilitator, and possibly the operator. A new logic for executing the transaction with user data received from the payment facilitator is required.
  • the solution requires a database solution that will effectuate the matching of data and generate the payment instructions.
  • the solution must be scalable in order to cope with a large volume of transactions.
  • the system can run on any of today's widely used operating systems.
  • the SIM vendor delivers a specifically programmed STK SIM card to the operator, and the network supplier implements the service elements for extracting and transmitting trusted payment data.
  • the network supplier implements the service elements for extracting and transmitting trusted payment data.
  • Figure 14 shows how data may be encrypted at the respective entities.
  • GSM security standards are among the best in any industry and exceed today's standards for fraud protection of credit card payments. Ten years of operation and over 1 billion users have demonstrated the inherent security in the existing 2G and 2.5-G systems.
  • the operator's internal network information and mobile network security systems can be used. This provides security on par with or better than already deployed payment systems that don't use an operator.
  • PINs are preferably encrypted end-to-end. This means that all issues relating to the handling of PINs such as, for example, how many digits, management, method of issuing, and so forth, is at the discretion of the respective end entities (e.g. financial institutions).
  • the encrypted PINs may be transferred transparently by the payment facilitator.
  • PINs may not be required.
  • the payment system may allow customers to make purchases or payment of a designated number (e.g. two) per day without PIN authentication. Each transaction type could be tagged specifying whether or not a PIN would be required. Payments not requiring a PIN may be limited by value and or number of transactions over a specified period.
  • TMSI Temporary Mobile Subscriber Identity
  • the PIN can be encrypted using a Secure Access Module (SAM) in the POS.
  • SAM Secure Access Module
  • the financial institution could own the SAMs.
  • Mobile phones used as POS terminals could use a special "merchant SIM card" with embedded SAM and POS application. By encrypting data in the respective channels a high level of security should be achieved.
  • the data required is derived from two separate channels.
  • the information in a single channel is not useful for fraudulent purposes.
  • the two channels may not be directly linked or connected. They may be physically different channels such as, for example, different telecommunications channels; or may be different logical channels.
  • the two channels may be separate physically or logically.
  • the different channels may be over the one telecommunications link and techniques such as multiplexing and/or different encryption schemes used. More than two channels may be used. They may be separate telecommunications channels.
  • the customer communicates directly with the operator, and the merchant communicates directly with the facilitator.
  • the operator communicates with the facilitator. Thus, there may be no direct data link between the customer and the merchant. As such, the merchant cannot obtain data relating to the customer identity, PIN, or account details.
  • the two main vulnerabilities of the system are:
  • the system is immune from attacks by eavesdroppers on the mobile network, as well as from data intercepted at the POS. An attacker would need to simultaneously attack both channels.
  • the system may be vulnerable to service outages if one channel in not operating or if a denial of service attack is launched on any of the channels.
  • the facilitator is preferably an on-line database that needs to communicate with a small number of mobile operators (large volumes of transactions), many merchants (single transactions), and a small number of financial institutions (large volumes of transactions). Addition of routing information (i.e. where to send a matched transaction) can be done by the mobile operator or by the facilitator. If routing information is maintained by the facilitator, a database containing all users should be available.
  • 3 Computer displays log-on screen with authentication and identification sign and password entry field; 4 User enters authentication and identification sign on their mobile phone and sends the authentication and identification sign to the operator;
  • the smart card 1770 sends the authentication and identification sign, the user ID and the time, to the facilitator 1734. They may be encrypted with a first encryption key. This sending may be by use of the user's mobile telephone, the POS, or otherwise as required or desired.
  • the smart card 1770 may communicate with the user's telephone in any known manner.
  • the final step has the user entering their PIN code on the POS 1710 and the POS 1710 sending the authentication and identification sign plus the amount of the transaction and the PIN code (preferably encrypted with a second key) to the facilitator 1734.
  • the facilitator 1734 can then approve a reject the transaction, and notifies the POS 1710 accordingly.

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

Abstract

La présente invention a trait à un procédé pour l'authentification et l'identification d'un usager, dans lequel un premier terminal communique avec un facilitateur sur une première voie de télécommunications et un deuxième terminal communique avec un opérateur sur une deuxième voie de télécommunications, l'opérateur et le facilitateur étant capables de communiquer entre eux, dans lequel il n'est pas nécessaire de fournir une information d'identité de l'usager au premier terminal par l'opérateur, le facilitateur, ou le deuxième terminal ; il n'est pas nécessaire de fournir une information d'identité de premier terminal au deuxième terminal par l'opérateur, le facilitateur ou le premier terminal ; et dans lequel il n'est pas nécessaire que toute communication entre le premier terminal et le facilitateur contienne une information concernant les détails d'identité de l'usager ou du deuxième terminal ; et il n'est pas nécessaire que toute communication entre le deuxième terminal et l'opérateur contienne une information concernant l'identité de l'usager.
PCT/SG2003/000279 2002-11-28 2003-11-28 Systeme d'authentification et d'identification et transactions utilisant un tel systeme d'authentification et d'identification Ceased WO2004049621A1 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU2003282770A AU2003282770A1 (en) 2002-11-28 2003-11-28 Authentication and identification system and transactions using such an authentication and identification system

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
SG200207202 2002-11-28
SG200207202-3 2002-11-28

Publications (1)

Publication Number Publication Date
WO2004049621A1 true WO2004049621A1 (fr) 2004-06-10

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Country Status (3)

Country Link
AU (1) AU2003282770A1 (fr)
TW (1) TW200409521A (fr)
WO (1) WO2004049621A1 (fr)

Cited By (19)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
GB2417355A (en) * 2004-08-12 2006-02-22 Robert Culyer Method for sending PIN protected mobile phone based tickets and coupons
EP1817741A4 (fr) * 2004-10-19 2009-11-11 First Data Corp Procedes et systemes permettant d'effectuer des operations de credit au moyen d'un dispositif sans fil
WO2009148387A1 (fr) * 2008-06-06 2009-12-10 Telefonaktiebolaget L M Ericsson (Publ) Services de carte sécurisés
US8201231B2 (en) 2007-02-21 2012-06-12 Microsoft Corporation Authenticated credential-based multi-tenant access to a service
EP2332102A4 (fr) * 2008-08-26 2012-07-25 Adaptive Payments Inc Système et procédé de transactions de paiement sécurisées
ITRM20110070A1 (it) * 2011-02-16 2012-08-17 Hideea S R L Metodo di autenticazione anonima per la fruizione di un servizio
EP1960954A4 (fr) * 2005-08-22 2012-12-05 Xchange Inc G Procede de conversion d'argent liquide en argent virtuel et son chargement sur un compte liquide de telephone mobile
US8429713B2 (en) 2007-04-02 2013-04-23 Sony Corporation Method and apparatus to speed transmission of CEC commands
US8510798B2 (en) 2007-04-02 2013-08-13 Sony Corporation Authentication in an audio/visual system having multiple signaling paths
WO2013127501A1 (fr) * 2012-02-29 2013-09-06 Accenture Global Services Limited Réseau informatique, nuage de transactions électroniques et procédé mis en œuvre par ordinateur pour des transactions électroniques sécurisées
WO2014086972A1 (fr) * 2012-12-06 2014-06-12 Nec Europe Ltd. Procédé et système pour de l'argent mobile
CN104076782A (zh) * 2014-06-26 2014-10-01 上海市城市建设设计研究总院 大型创业园区的新能源汽车远程共享预约装置
WO2014174342A1 (fr) * 2013-04-25 2014-10-30 Elharras Mohamed Paiement mobile avec authentification et non-répudiation fortes
WO2015104387A1 (fr) * 2014-01-10 2015-07-16 Mainline Patents Holdings Ltd Système et procédé de communication de justificatifs
EP2510490A4 (fr) * 2009-12-10 2017-05-24 Boku, Inc. Systèmes et procédé permettant de sécuriser des transactions par le biais de dispositifs mobiles
EP3226465A1 (fr) * 2010-11-10 2017-10-04 Einnovations Holdings Pte. Ltd. Dispositif comprenant une carte pour fournir les fonctionnalités sim et psam
US9940608B2 (en) 2013-05-16 2018-04-10 Mts Holdings, Inc. Real time EFT network-based person-to-person transactions
US10789586B2 (en) 2017-12-04 2020-09-29 Mastercard International Incorporated Transaction verification based on a transaction identifier and associated location data
US11144924B2 (en) 2017-12-14 2021-10-12 Mastercard International Incorporated Facilitating peer-to-peer transactions using virtual debit accounts of virtual wallets

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EP1026641A1 (fr) * 1999-02-01 2000-08-09 International Business Machines Corporation Dispositif individuel, terminal, serveur et méthodes pour établir une connection digne de foi entre un utilisateur et un terminal
US20020087892A1 (en) * 2000-12-28 2002-07-04 Hideyo Imazu Authentication method and device
FR2823882A1 (fr) * 2001-04-23 2002-10-25 New Access Sa Procede et systeme de validation de paiement

Patent Citations (4)

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US5754656A (en) * 1995-08-04 1998-05-19 Hitachi, Ltd. Electronic shopping method, electronic shopping system and document authenticating method relating thereto
EP1026641A1 (fr) * 1999-02-01 2000-08-09 International Business Machines Corporation Dispositif individuel, terminal, serveur et méthodes pour établir une connection digne de foi entre un utilisateur et un terminal
US20020087892A1 (en) * 2000-12-28 2002-07-04 Hideyo Imazu Authentication method and device
FR2823882A1 (fr) * 2001-04-23 2002-10-25 New Access Sa Procede et systeme de validation de paiement

Cited By (28)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
GB2417355A (en) * 2004-08-12 2006-02-22 Robert Culyer Method for sending PIN protected mobile phone based tickets and coupons
EP1817741A4 (fr) * 2004-10-19 2009-11-11 First Data Corp Procedes et systemes permettant d'effectuer des operations de credit au moyen d'un dispositif sans fil
US7865448B2 (en) 2004-10-19 2011-01-04 First Data Corporation Methods and systems for performing credit transactions with a wireless device
EP1960954A4 (fr) * 2005-08-22 2012-12-05 Xchange Inc G Procede de conversion d'argent liquide en argent virtuel et son chargement sur un compte liquide de telephone mobile
US8201231B2 (en) 2007-02-21 2012-06-12 Microsoft Corporation Authenticated credential-based multi-tenant access to a service
US8510798B2 (en) 2007-04-02 2013-08-13 Sony Corporation Authentication in an audio/visual system having multiple signaling paths
US8429713B2 (en) 2007-04-02 2013-04-23 Sony Corporation Method and apparatus to speed transmission of CEC commands
WO2009148387A1 (fr) * 2008-06-06 2009-12-10 Telefonaktiebolaget L M Ericsson (Publ) Services de carte sécurisés
EP2332102A4 (fr) * 2008-08-26 2012-07-25 Adaptive Payments Inc Système et procédé de transactions de paiement sécurisées
US9183549B2 (en) 2008-08-26 2015-11-10 Mts Holdings, Inc. System and method of secure payment transactions
EP2510490A4 (fr) * 2009-12-10 2017-05-24 Boku, Inc. Systèmes et procédé permettant de sécuriser des transactions par le biais de dispositifs mobiles
US11423385B2 (en) 2010-11-10 2022-08-23 Einnovations Holdings Pte. Ltd. Method of performing a financial transaction via unsecured public telecommunication infrastructure and an apparatus for same
EP3226465A1 (fr) * 2010-11-10 2017-10-04 Einnovations Holdings Pte. Ltd. Dispositif comprenant une carte pour fournir les fonctionnalités sim et psam
ITRM20110070A1 (it) * 2011-02-16 2012-08-17 Hideea S R L Metodo di autenticazione anonima per la fruizione di un servizio
CN104246807A (zh) * 2012-02-29 2014-12-24 埃森哲环球服务有限公司 用于安全电子事务的计算机网络、电子事务云和计算机实施的方法
WO2013127501A1 (fr) * 2012-02-29 2013-09-06 Accenture Global Services Limited Réseau informatique, nuage de transactions électroniques et procédé mis en œuvre par ordinateur pour des transactions électroniques sécurisées
AU2013225400B2 (en) * 2012-02-29 2015-06-04 Accenture Global Services Limited A computer network, an electronic transactions cloud and a computer-implemented method for secure electronic transactions
WO2014086972A1 (fr) * 2012-12-06 2014-06-12 Nec Europe Ltd. Procédé et système pour de l'argent mobile
WO2014174342A1 (fr) * 2013-04-25 2014-10-30 Elharras Mohamed Paiement mobile avec authentification et non-répudiation fortes
US9940608B2 (en) 2013-05-16 2018-04-10 Mts Holdings, Inc. Real time EFT network-based person-to-person transactions
CN106471786A (zh) * 2014-01-10 2017-03-01 普莱维蒂Pte有限责任公司 用于传送凭证的系统及方法
US10021093B2 (en) 2014-01-10 2018-07-10 Priviti Pte Ltd System and method for communicating credentials
CN106471786B (zh) * 2014-01-10 2019-09-24 普莱维蒂Pte有限责任公司 用于传送凭证的系统及方法
EA036443B1 (ru) * 2014-01-10 2020-11-11 Прайвити Пте. Лтд. Система и способ передачи идентификационных данных
WO2015104387A1 (fr) * 2014-01-10 2015-07-16 Mainline Patents Holdings Ltd Système et procédé de communication de justificatifs
CN104076782A (zh) * 2014-06-26 2014-10-01 上海市城市建设设计研究总院 大型创业园区的新能源汽车远程共享预约装置
US10789586B2 (en) 2017-12-04 2020-09-29 Mastercard International Incorporated Transaction verification based on a transaction identifier and associated location data
US11144924B2 (en) 2017-12-14 2021-10-12 Mastercard International Incorporated Facilitating peer-to-peer transactions using virtual debit accounts of virtual wallets

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