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1. WO2022069136 - VERIFICATION SYSTEM AND METHOD

Publication Number WO/2022/069136
Publication Date 07.04.2022
International Application No. PCT/EP2021/073991
International Filing Date 31.08.2021
IPC
G06F 21/34 2013.1
GPHYSICS
06COMPUTING; CALCULATING OR 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
34involving the use of external additional devices, e.g. dongles or smart cards
G06F 21/64 2013.1
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
FELECTRIC DIGITAL DATA PROCESSING
21Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
60Protecting data
64Protecting data integrity, e.g. using checksums, certificates or signatures
G06F 21/62 2013.1
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
FELECTRIC DIGITAL DATA PROCESSING
21Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
60Protecting data
62Protecting access to data via a platform, e.g. using keys or access control rules
CPC
G06F 21/34
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
34involving the use of external additional devices, e.g. dongles or smart cards
G06F 21/6272
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
FELECTRIC DIGITAL DATA PROCESSING
21Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
60Protecting data
62Protecting access to data via a platform, e.g. using keys or access control rules
6218to a system of files or objects, e.g. local or distributed file system or database
6272by registering files or documents with a third party
G06F 21/64
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
FELECTRIC DIGITAL DATA PROCESSING
21Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
60Protecting data
64Protecting data integrity, e.g. using checksums, certificates or signatures
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 20/401
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
401Transaction verification
H04L 2209/56
HELECTRICITY
04ELECTRIC COMMUNICATION TECHNIQUE
LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
2209Additional information or applications relating to cryptographic mechanisms or cryptographic arrangements for secret or secure communication H04L9/00
56Financial cryptography, e.g. electronic payment or e-cash
Applicants
  • NCHAIN LICENSING AG [CH]/[CH]
Inventors
  • DAVIES, Jack, Owen
  • WRIGHT, Craig, Steven
Agents
  • TOWNSEND, Martyn, James
Priority Data
2015498.530.09.2020GB
Publication Language English (en)
Filing Language English (EN)
Designated States
Title
(EN) VERIFICATION SYSTEM AND METHOD
(FR) SYSTÈME ET PROCÉDÉ DE VÉRIFICATION
Abstract
(EN) A computer-implemented method of authorising a payment by a target party to a verifying party. The method comprises, by the verifying party: performing a payment verification to verify a source of funds of the target party; and performing an identity verification to verify an identity of the target party. The identity verification comprises accessing response data stored in a data store in association with the identity of the target party, the data store being implemented in third party computer equipment of a trusted third party or on a peer-to-peer publication medium, wherein the response data comprises either a) a stored instance of a response to a challenge, or b) an attestation comprising a transformation of the response. The payment is authenticated on condition that the outputs of both the payment verification and identity verifications is true.
(FR) L'invention concerne un procédé mis en œuvre par ordinateur pour autoriser un paiement par une partie cible à une partie de vérification. Le procédé consiste, par la partie de vérification, à : réaliser une vérification de paiement pour vérifier une source de fonds de la partie cible ; et réaliser une vérification d'identité pour vérifier une identité de la partie cible. La vérification d'identité consiste à accéder à des données de réponse stockées dans un magasin de données en association avec l'identité de la partie cible, le magasin de données étant mis en œuvre dans un équipement informatique tiers d'une tierce partie de confiance ou sur un support de publication poste à poste, les données de réponse comprenant soit a) une instance stockée d'une réponse à un défi, soit b) une attestation comprenant une transformation de la réponse. Le paiement est authentifié à condition que les sorties des vérifications de paiement et d'identité soient vraies.
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