CO6400165A2 - Método y sistema para procesar de manera segura una transacción - Google Patents

Método y sistema para procesar de manera segura una transacción

Info

Publication number
CO6400165A2
CO6400165A2 CO11082169A CO11082169A CO6400165A2 CO 6400165 A2 CO6400165 A2 CO 6400165A2 CO 11082169 A CO11082169 A CO 11082169A CO 11082169 A CO11082169 A CO 11082169A CO 6400165 A2 CO6400165 A2 CO 6400165A2
Authority
CO
Colombia
Prior art keywords
financial transaction
mobile communications
communications device
transaction
memory
Prior art date
Application number
CO11082169A
Other languages
English (en)
Inventor
Dirk Marinus Bruynse
Schalk Johann Bezuidenhoudt
Original Assignee
Mtn Mobile Money Sa Pty Ltd
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 Mtn Mobile Money Sa Pty Ltd filed Critical Mtn Mobile Money Sa Pty Ltd
Publication of CO6400165A2 publication Critical patent/CO6400165A2/es

Links

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
    • G06Q20/38—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
    • 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]
    • G06Q20/3229—Use of the SIM of a M-device as secure element
    • 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
    • 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
    • G06Q20/4012—Verifying personal identification numbers [PIN]
    • 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
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
    • G06Q20/425—Confirmation, e.g. check or permission by the legal debtor of payment using two different networks, one for transaction and one for security confirmation
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1025—Identification of user by a PIN code
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W12/00—Security arrangements; Authentication; Protecting privacy or anonymity
    • H04W12/06—Authentication

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Signal Processing (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Mobile Radio Communication Systems (AREA)

Abstract

Un método para procesar de manera segura una transacción incluye almacenar una pluralidad de identificadores de instrumento de transacción financiera encriptados en una memoria en donde no hay clave de descifrado para estos almacenados en la memoria y además en donde los identificadores de instrumento de transacción financiera encriptadas están cada uno asociado con un dispositivo de comunicaciones móviles. Recibir en un servidor una solicitud para procesar una transacción, la solicitud incluyendo una identificación de un dispositivo de comunicación móviles. Retirar de la memoria el identificador de instrumento de transacción financiera encriptado asociado con el dispositivo de comunicaciones móviles identificado en la solicitud. Transmitir el identificador de instrumento de transacción financiera encriptado retirado al dispositivo de comunicaciones móviles. Recibir del dispositivo de comunicaciones móviles datos de transacción de dispositivo y usar los datos de transacción recibidos para efectuar una transacción financiera.
CO11082169A 2008-12-23 2011-06-30 Método y sistema para procesar de manera segura una transacción CO6400165A2 (es)

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
ZA200810835 2008-12-23

Publications (1)

Publication Number Publication Date
CO6400165A2 true CO6400165A2 (es) 2012-03-15

Family

ID=42286953

Family Applications (1)

Application Number Title Priority Date Filing Date
CO11082169A CO6400165A2 (es) 2008-12-23 2011-06-30 Método y sistema para procesar de manera segura una transacción

Country Status (14)

Country Link
US (1) US20120116978A1 (es)
EP (1) EP2377082A4 (es)
JP (1) JP2013514556A (es)
KR (1) KR20110105841A (es)
CN (1) CN102265298A (es)
AP (1) AP3995A (es)
BR (1) BRPI0923595A2 (es)
CO (1) CO6400165A2 (es)
MX (1) MX2011006772A (es)
RU (1) RU2536666C2 (es)
SG (1) SG172317A1 (es)
UA (1) UA106481C2 (es)
WO (1) WO2010073199A1 (es)
ZA (1) ZA200909042B (es)

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US10700850B2 (en) 2018-11-27 2020-06-30 Alibaba Group Holding Limited System and method for information protection
KR102139897B1 (ko) 2018-11-27 2020-07-31 알리바바 그룹 홀딩 리미티드 정보 보호를 위한 시스템 및 방법
RU2719423C1 (ru) 2018-11-27 2020-04-17 Алибаба Груп Холдинг Лимитед Система и способ защиты информации
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Also Published As

Publication number Publication date
US20120116978A1 (en) 2012-05-10
EP2377082A4 (en) 2015-05-06
RU2011130191A (ru) 2013-01-27
KR20110105841A (ko) 2011-09-27
EP2377082A1 (en) 2011-10-19
ZA200909042B (en) 2011-05-25
WO2010073199A1 (en) 2010-07-01
SG172317A1 (en) 2011-07-28
JP2013514556A (ja) 2013-04-25
MX2011006772A (es) 2011-08-03
UA106481C2 (uk) 2014-09-10
AP2011005785A0 (en) 2011-08-31
CN102265298A (zh) 2011-11-30
BRPI0923595A2 (pt) 2016-01-26
RU2536666C2 (ru) 2014-12-27
AP3995A (en) 2017-01-11

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