CA2932346C - Method and system for secure authentication of user and mobile device without secure elements - Google Patents

Method and system for secure authentication of user and mobile device without secure elements Download PDF

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Publication number
CA2932346C
CA2932346C CA2932346A CA2932346A CA2932346C CA 2932346 C CA2932346 C CA 2932346C CA 2932346 A CA2932346 A CA 2932346A CA 2932346 A CA2932346 A CA 2932346A CA 2932346 C CA2932346 C CA 2932346C
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CA
Canada
Prior art keywords
transaction
payment
session key
mobile device
application cryptogram
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.)
Active
Application number
CA2932346A
Other languages
English (en)
French (fr)
Other versions
CA2932346A1 (en
Inventor
Mehdi Collinge
Patrik Smets
Axel Emile Jean Charles CATELAND
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.)
Mastercard International Inc
Original Assignee
Mastercard International Inc
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 Mastercard International Inc filed Critical Mastercard International Inc
Publication of CA2932346A1 publication Critical patent/CA2932346A1/en
Application granted granted Critical
Publication of CA2932346C publication Critical patent/CA2932346C/en
Active legal-status Critical Current
Anticipated expiration legal-status Critical

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3274—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q20/20—Point-of-sale [POS] network systems
    • G06Q20/204—Point-of-sale [POS] network systems comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3823—Payment protocols; Details thereof insuring higher security of transaction combining multiple encryption tools for a transaction

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Security & Cryptography (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Computer And Data Communications (AREA)
CA2932346A 2013-12-02 2014-12-02 Method and system for secure authentication of user and mobile device without secure elements Active CA2932346C (en)

Applications Claiming Priority (11)

Application Number Priority Date Filing Date Title
US201361910819P 2013-12-02 2013-12-02
US61/910,819 2013-12-02
US201461951842P 2014-03-12 2014-03-12
US61/951,842 2014-03-12
US201461955716P 2014-03-19 2014-03-19
US61/955,716 2014-03-19
US201461979132P 2014-04-14 2014-04-14
US61/979,132 2014-04-14
US201461980784P 2014-04-17 2014-04-17
US61/980,784 2014-04-17
PCT/US2014/067992 WO2015084755A1 (en) 2013-12-02 2014-12-02 Method and system for secure authentication of user and mobile device without secure elements

Publications (2)

Publication Number Publication Date
CA2932346A1 CA2932346A1 (en) 2015-06-11
CA2932346C true CA2932346C (en) 2018-09-04

Family

ID=53274011

Family Applications (1)

Application Number Title Priority Date Filing Date
CA2932346A Active CA2932346C (en) 2013-12-02 2014-12-02 Method and system for secure authentication of user and mobile device without secure elements

Country Status (16)

Country Link
EP (1) EP3077972A4 (zh)
JP (2) JP6353537B2 (zh)
KR (2) KR101809221B1 (zh)
CN (1) CN106062799B (zh)
AU (1) AU2014357381B2 (zh)
BR (1) BR112016012527A2 (zh)
CA (1) CA2932346C (zh)
CL (1) CL2016001353A1 (zh)
HK (1) HK1227146A1 (zh)
IL (1) IL245965B (zh)
MX (1) MX361793B (zh)
NZ (1) NZ720688A (zh)
RU (1) RU2663319C2 (zh)
SG (1) SG10201800179UA (zh)
UA (1) UA115500C2 (zh)
WO (1) WO2015084755A1 (zh)

Families Citing this family (24)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
SG10201803986RA (en) 2013-12-02 2018-06-28 Mastercard International Inc Method and system for secure transmission of remote notification service messages to mobile devices without secure elements
MX356939B (es) * 2014-04-14 2018-06-20 Mastercard International Inc Metodo y sistema para generar una llave de almacenamiento avanzada en un dispositivo movil sin elementos de seguridad.
US10614442B2 (en) 2014-12-03 2020-04-07 Mastercard International Incorporated System and method of facilitating cash transactions at an ATM system without an ATM card using mobile
US10248947B2 (en) * 2015-06-29 2019-04-02 Oberthur Technologies of America Corp. Method of generating a bank transaction request for a mobile terminal having a secure module
US11120436B2 (en) * 2015-07-17 2021-09-14 Mastercard International Incorporated Authentication system and method for server-based payments
SG10201508945YA (en) 2015-10-29 2017-05-30 Mastercard International Inc Method and system for cardless use of an automated teller machine (atm)
US10496982B2 (en) 2016-02-03 2019-12-03 Accenture Global Solutions Limited Secure contactless card emulation
EP3446274A1 (en) * 2016-04-18 2019-02-27 Bancontact Payconiq Company Method and device for authorizing mobile transactions
WO2017184840A1 (en) 2016-04-21 2017-10-26 Mastercard International Incorporated Method and system for contactless transactions without user credentials
CN109716374B (zh) * 2016-09-04 2023-12-29 万事达卡国际公司 用于经由移动设备进行无卡atm交易的方法和***
EP3340094B1 (en) * 2016-12-22 2021-04-28 Mastercard International Incorporated Method for renewal of cryptographic whiteboxes under binding of new public key and old identifier
CN110199309B (zh) * 2017-01-23 2023-06-16 万事达卡国际公司 经由可信执行环境进行认证的方法和***
EP3364329B1 (en) 2017-02-21 2023-07-26 Mastercard International Incorporated Security architecture for device applications
EP3364363A1 (en) 2017-02-21 2018-08-22 Mastercard International Incorporated Transaction cryptogram
EP3364352A1 (en) 2017-02-21 2018-08-22 Mastercard International Incorporated Determining legitimate conditions at a computing device
CN107274183B (zh) * 2017-03-21 2020-05-22 ***股份有限公司 交易验证方法及***
US11468444B2 (en) * 2017-12-18 2022-10-11 Mastercard International Incorporated Method and system for bypassing merchant systems to increase data security in conveyance of credentials
KR101972599B1 (ko) * 2018-06-19 2019-04-25 김승훈 세션키 처리장치, 처리 방법 및 이를 위한 프로그램을 기록한 컴퓨터 판독 가능한 기록매체
US10581611B1 (en) 2018-10-02 2020-03-03 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards
EP3640878B1 (fr) * 2018-10-17 2023-06-21 Swatch Ag Procede et systeme d'activation d'un objet portable de paiement sans contact
US10984416B2 (en) * 2019-03-20 2021-04-20 Capital One Services, Llc NFC mobile currency transfer
US11803827B2 (en) 2019-11-01 2023-10-31 Mastercard International Incorporated Method and system for enabling cardless transactions at an ATM for any institutional entity
CN111901109B (zh) * 2020-08-04 2022-10-04 华人运通(上海)云计算科技有限公司 基于白盒的通信方法、装置、设备和存储介质
CN113421084B (zh) * 2021-05-26 2023-03-24 歌尔股份有限公司 公交卡处理方法、装置、设备及可读存储介质

Family Cites Families (12)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP4183823B2 (ja) * 1999-02-10 2008-11-19 富士通株式会社 データ照合装置、データ照合システムおよびデータ照合プログラム記憶媒体
US7249093B1 (en) * 1999-09-07 2007-07-24 Rysix Holdings, Llc Method of and system for making purchases over a computer network
JP2004086599A (ja) * 2002-08-27 2004-03-18 Toppan Printing Co Ltd クレジットカード情報管理装置および管理方法並びにそのプログラム
US7873572B2 (en) * 2004-02-26 2011-01-18 Reardon David C Financial transaction system with integrated electronic messaging, control of marketing data, and user defined charges for receiving messages
WO2007117131A1 (en) * 2006-04-10 2007-10-18 Trust Integration Services B.V. Arrangement of and method for secure data transmission.
US8713655B2 (en) * 2008-04-21 2014-04-29 Indian Institute Of Technology Method and system for using personal devices for authentication and service access at service outlets
CA2823685C (en) * 2010-08-12 2017-03-07 Mastercard International, Inc. Multi-commerce channel wallet for authenticated transactions
US8746553B2 (en) * 2010-09-27 2014-06-10 Mastercard International Incorporated Purchase Payment device updates using an authentication process
KR20120110926A (ko) * 2011-03-30 2012-10-10 주식회사 비즈모델라인 프로그램 식별을 통한 카드 결제 방법 및 시스템과 이를 위한 스마트폰
US20120317628A1 (en) * 2011-06-09 2012-12-13 Yeager C Douglas Systems and methods for authorizing a transaction
US10515359B2 (en) * 2012-04-02 2019-12-24 Mastercard International Incorporated Systems and methods for processing mobile payments by provisioning credentials to mobile devices without secure elements
KR101671457B1 (ko) * 2012-04-18 2016-11-01 구글 인코포레이티드 보안 요소를 갖지 않는 지불 거래들의 처리

Also Published As

Publication number Publication date
JP2017504871A (ja) 2017-02-09
NZ720688A (en) 2017-09-29
CL2016001353A1 (es) 2017-05-12
AU2014357381A1 (en) 2016-06-16
MX2016007217A (es) 2016-12-09
AU2014357381B2 (en) 2017-03-23
UA115500C2 (uk) 2017-11-10
CA2932346A1 (en) 2015-06-11
KR102025816B1 (ko) 2019-09-26
RU2663319C2 (ru) 2018-08-03
KR20160091418A (ko) 2016-08-02
IL245965B (en) 2022-05-01
SG10201800179UA (en) 2018-02-27
CN106062799B (zh) 2022-04-29
KR20170139689A (ko) 2017-12-19
JP2018164281A (ja) 2018-10-18
HK1227146A1 (zh) 2017-10-13
JP6353537B2 (ja) 2018-07-04
WO2015084755A1 (en) 2015-06-11
KR101809221B1 (ko) 2017-12-14
CN106062799A (zh) 2016-10-26
IL245965A0 (en) 2016-07-31
EP3077972A1 (en) 2016-10-12
BR112016012527A2 (pt) 2017-08-08
MX361793B (es) 2018-12-17
EP3077972A4 (en) 2017-08-09

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Effective date: 20160531