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1. WO2018156384 - DETERMINING LEGITIMATE CONDITIONS AT A COMPUTING DEVICE

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Publication Number WO/2018/156384
Publication Date 30.08.2018
International Application No. PCT/US2018/017943
International Filing Date 13.02.2018
IPC
G06Q 20/02 2012.1
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 20/20 2012.1
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
08Payment architectures
20Point-of-sale network systems
G06Q 20/32 2012.1
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
30characterised by the use of specific devices
32using wireless devices
G06Q 20/34 2012.1
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
30characterised by the use of specific devices
34using cards, e.g. integrated circuit cards or magnetic cards
G06Q 20/38 2012.1
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
G06Q 20/40 2012.1
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
G06F 21/31
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
FELECTRIC DIGITAL DATA PROCESSING
21Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
30Authentication, i.e. establishing the identity or authorisation of security principals
31User authentication
G06Q 20/02
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
02involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
G06Q 20/20
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
08Payment architectures
20Point-of-sale [POS] network systems
G06Q 20/326
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
30characterised by the use of specific devices ; or networks
32using wireless devices
326Payment applications installed on the mobile devices
G06Q 20/3278
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
30characterised by the use of specific devices ; or networks
32using wireless devices
327Short range or proximity payments by means of M-devices
3278RFID or NFC payments by means of M-devices
G06Q 20/351
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
30characterised by the use of specific devices ; or networks
34using cards, e.g. integrated circuit [IC] cards or magnetic cards
351Virtual cards
Applicants
  • MASTERCARD INTERNATIONAL INCORPORATED [US]/[US]
Inventors
  • ABOU EL ENIN, Mohamed
  • SMETS, Patrik
  • WARD, Michael
  • ROBERTS, David, Anthony
Agents
  • DOBBYN, Colm, J.
Priority Data
17157272.021.02.2017EP
Publication Language English (en)
Filing Language English (EN)
Designated States
Title
(EN) DETERMINING LEGITIMATE CONDITIONS AT A COMPUTING DEVICE
(FR) DÉTERMINATION DE CONDITIONS LÉGITIMES AU NIVEAU D'UN DISPOSITIF INFORMATIQUE
front page image
Abstract
(EN) A method of determining legitimate use of a computing device for an action to be approved by a remote system is described. The following steps are carried out at the computing device. A verification method (44) is established for authenticating a user at the computing device or for verifying the integrity of the computing device in association with carrying out the action on that computing device. Cryptographic material is received from a trusted system for use in performing the action. The action is then performed (42). This may or may not comprise successful performance of the verification step. However, performing the action comprises returning information to the remote system that includes whether there was successful authentication using the verification method and parameters relating to computing device state when the action was performed. Suitable computing apparatus is also described.
(FR) L'invention concerne un procédé de détermination d'utilisation légitime d'un dispositif informatique pour une action devant être approuvée par un système distant. Les étapes suivantes sont exécutées au niveau du dispositif informatique. Un procédé de vérification (44) est établi pour authentifier un utilisateur au niveau du dispositif informatique ou pour vérifier l'intégrité du dispositif informatique en association avec la réalisation de l'action sur ce dispositif informatique. Un matériel cryptographique est reçu en provenance d'un système de confiance en vue d'une utilisation dans la réalisation de l'action. L'action est ensuite effectuée (42). Ceci peut ou non comprendre la réalisation réussie de l'étape de vérification. Cependant, l'exécution de l'action consiste à renvoyer des informations au système distant qui comprend s'il y a eu une authentification réussie à l'aide du procédé de vérification et des paramètres se rapportant à l'état du dispositif informatique lorsque l'action a été effectuée. L'invention concerne également un appareil informatique approprié.
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