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1. WO2014170667 - Method and System for Transmitting Credentials

Publication Number WO/2014/170667
Publication Date 23.10.2014
International Application No. PCT/GB2014/051184
International Filing Date 15.04.2014
IPC
G06Q 20/02 2012.01
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
02involving a neutral third party, e.g. certification authority, notary or trusted third party
G06Q 20/22 2012.01
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
22Payment schemes or models
G06Q 20/40 2012.01
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
38Payment protocols; Details thereof
40Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
CPC
G06Q 20/3821
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
38Payment protocols; Details thereof
382insuring higher security of transaction
3821Electronic credentials
G06Q 20/40
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
38Payment protocols; Details thereof
40Authorisation, 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
G06Q 20/405
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
38Payment protocols; Details thereof
40Authorisation, 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
405Establishing or using transaction specific rules
H04L 63/083
HELECTRICITY
04ELECTRIC COMMUNICATION TECHNIQUE
LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
63Network architectures or network communication protocols for network security
08for supporting authentication of entities communicating through a packet data network
083using passwords
Applicants
  • VISA EUROPE LIMITED [GB]/[GB]
Inventors
  • CARPENTER, Paul Michael
  • SUMPSTER, Jonathan Paul
  • THOMPSON, Andrew Paul
  • ABRATHAT, Christopher Ian
  • RUSCA, Jonathan
  • LACOUR, Jean-Christophe Gilbert
  • PHILPOTTS, Michael Ronald
Agents
  • MALLER, Simon
Priority Data
1306834.115.04.2013GB
Publication Language English (EN)
Filing Language English (EN)
Designated States
Title
(EN) Method and System for Transmitting Credentials
(FR) PROCÉDÉ ET SYSTÈME DE TRANSMISSION DE RÉFÉRENCES
Abstract
(EN)
Method and apparatus for transmitting credentials to a transaction processing system, the credentials being arranged in sets and a set including a unique identifier and 10 verification data elements. Credentials are activated and, after activation, are available for use in at least one subsequent transaction. In the transaction, in response to receiving authorization from a user, the unique identifier and verification data elements from a set are transmitted to the transaction processing system on behalf of the user. The credentials are activated using an activation mode selected from at least 1 a first activation mode and a second activation mode. In the first activation mode, additional user input for the verification data elements associated with the unique identifier is received from the user. In the second activation mode, the user is authenticated, and responsive to the user successfully authenticating, verification data elements are received via a data communications network are received from a trusted 20 data processing system remote from the user.
(FR)
L'invention concerne un procédé et un appareil pour transmettre des références à un système de traitement de transaction, les références étant agencées en ensembles et un ensemble comprenant un identifiant unique et 10 éléments de données de vérification. Les références sont activées et, après l'activation, sont disponibles pour une utilisation dans au moins une transaction suivante. Dans la transaction, en réponse à la réception d'une autorisation d'un utilisateur, l'identifiant unique et les éléments de données de vérification d'un ensemble sont transmis au système de traitement de transaction au nom de l'utilisateur. Les références sont activées en utilisant un mode d'activation sélectionné parmi un premier mode d'activation et un second mode d'activation. Dans le premier mode d'activation, une entrée d'utilisateur supplémentaire pour les éléments de données de vérification associés à l'identifiant unique est reçue de l'utilisateur. Dans le second mode d'activation, l'utilisateur est authentifié et, en réponse à l'authentification réussie de l'utilisateur, les éléments de données de vérification sont reçus, par l'intermédiaire d'un réseau de communication de données, d'un système de traitement de données de confiance à distance de l'utilisateur.
Also published as
Latest bibliographic data on file with the International Bureau