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1. (WO2019026038) SYSTEM AND METHOD FOR AUTHENTICATING A TRANSACTION
Latest bibliographic data on file with the International Bureau    Submit observation

Pub. No.: WO/2019/026038 International Application No.: PCT/IB2018/055848
Publication Date: 07.02.2019 International Filing Date: 03.08.2018
IPC:
G06Q 20/32 (2012.01) ,G06Q 20/42 (2012.01) ,G06Q 20/38 (2012.01) ,H04L 9/08 (2006.01) ,G06F 21/35 (2013.01)
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA 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
20
Payment architectures, schemes or protocols
30
characterised by the use of specific devices
32
using wireless devices
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA 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
20
Payment architectures, schemes or protocols
38
Payment protocols; Details thereof
42
Confirmation, e.g. check or permission by the legal debtor of payment
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA 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
20
Payment architectures, schemes or protocols
38
Payment protocols; Details thereof
H ELECTRICITY
04
ELECTRIC COMMUNICATION TECHNIQUE
L
TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
9
Arrangements for secret or secure communication
06
the encryption apparatus using shift registers or memories for blockwise coding, e.g. D.E.S. systems
08
Key distribution
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
F
ELECTRIC DIGITAL DATA PROCESSING
21
Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
30
Authentication, i.e. establishing the identity or authorisation of security principals
31
User authentication
34
involving the use of external additional devices, e.g. dongles or smart cards
35
communicating wirelessly
Applicants:
ENTERSEKT INTERNATIONAL LIMITED [MU/MU]; Level 3, Alexander House 35 Cybercity Ebene, MU
Inventors:
OOSTHUIZEN, Gerhard Gysbert; ZA
Agent:
VON SEIDELS INTELLECTUAL PROPERTY ATTORNEYS; P O Box 440, Century City 7446 Cape Town, ZA
Priority Data:
2017/0524403.08.2017ZA
Title (EN) SYSTEM AND METHOD FOR AUTHENTICATING A TRANSACTION
(FR) SYSTÈME ET PROCÉDÉ D'AUTHENTIFICATION D'UNE TRANSACTION
Abstract:
(EN) A system and method for authenticating a transaction are provided. In a method at a server computer of an authentication service provider, an authentication request is received which requests authentication of a transaction and includes transaction details describing the transaction. An encryption key being unique to the authentication service provider and a user mobile device is obtained. An authentication prompt including at least some of the transaction details is generated. A payload including the authentication prompt is encrypted using the encryption key to output an encrypted payload. The encrypted payload is provided via a first communication channel to a user for acquisition and decryption by the user mobile device using a decryption key corresponding to the encryption key.
(FR) La présente invention concerne un système et un procédé d'authentification d'une transaction. Dans un procédé au niveau d'un ordinateur serveur d'un fournisseur de services d'authentification, une demande d'authentification est reçue, cette dernière demandant l'authentification d'une transaction et comprenant des détails de transaction décrivant la transaction. Une clé de chiffrement unique au fournisseur de service d'authentification et à un dispositif mobile d'utilisateur est obtenue. Une invite d'authentification comprenant au moins une partie des détails de transaction est générée. Une charge utile comprenant l'invite d'authentification est chiffrée à l'aide de la clé de chiffrement pour fournir en sortie une charge utile chiffrée. La charge utile chiffrée est fournie par l'intermédiaire d'un premier canal de communication à un utilisateur pour que le dispositif mobile utilisateur acquière et déchiffre cette dernière à l'aide d'une clé de déchiffrement correspondant à la clé de chiffrement.
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Designated States: AE, AG, AL, AM, AO, AT, AU, AZ, BA, BB, BG, BH, BN, BR, BW, BY, BZ, CA, CH, CL, CN, CO, CR, CU, CZ, DE, DJ, DK, DM, DO, DZ, EC, EE, EG, ES, FI, GB, GD, GE, GH, GM, GT, HN, HR, HU, ID, IL, IN, IR, IS, JO, JP, KE, KG, KH, KN, KP, KR, KW, KZ, LA, LC, LK, LR, LS, LU, LY, MA, MD, ME, MG, MK, MN, MW, MX, MY, MZ, NA, NG, NI, NO, NZ, OM, PA, PE, PG, PH, PL, PT, QA, RO, RS, RU, RW, SA, SC, SD, SE, SG, SK, SL, SM, ST, SV, SY, TH, TJ, TM, TN, TR, TT, TZ, UA, UG, US, UZ, VC, VN, ZA, ZM, ZW
African Regional Intellectual Property Organization (ARIPO) (BW, GH, GM, KE, LR, LS, MW, MZ, NA, RW, SD, SL, ST, SZ, TZ, UG, ZM, ZW)
Eurasian Patent Office (AM, AZ, BY, KG, KZ, RU, TJ, TM)
European Patent Office (EPO) (AL, AT, BE, BG, CH, CY, CZ, DE, DK, EE, ES, FI, FR, GB, GR, HR, HU, IE, IS, IT, LT, LU, LV, MC, MK, MT, NL, NO, PL, PT, RO, RS, SE, SI, SK, SM, TR)
African Intellectual Property Organization (BF, BJ, CF, CG, CI, CM, GA, GN, GQ, GW, KM, ML, MR, NE, SN, TD, TG)
Publication Language: English (EN)
Filing Language: English (EN)