WO2025071589A1 - Validation de jeton non fongible par association d'un jeton de liaison de paiement émetteur sur un dispositif mobile - Google Patents

Validation de jeton non fongible par association d'un jeton de liaison de paiement émetteur sur un dispositif mobile Download PDF

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Publication number
WO2025071589A1
WO2025071589A1 PCT/US2023/075228 US2023075228W WO2025071589A1 WO 2025071589 A1 WO2025071589 A1 WO 2025071589A1 US 2023075228 W US2023075228 W US 2023075228W WO 2025071589 A1 WO2025071589 A1 WO 2025071589A1
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WO
WIPO (PCT)
Prior art keywords
token
payment
digital asset
mobile device
server computer
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.)
Pending
Application number
PCT/US2023/075228
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English (en)
Inventor
Wilson THAMPI
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.)
Visa International Service Association
Original Assignee
Visa International Service Association
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Filing date
Publication date
Application filed by Visa International Service Association filed Critical Visa International Service Association
Priority to PCT/US2023/075228 priority Critical patent/WO2025071589A1/fr
Publication of WO2025071589A1 publication Critical patent/WO2025071589A1/fr
Anticipated expiration legal-status Critical
Pending legal-status Critical Current

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Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems
    • G06Q20/123—Shopping for digital content
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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 OR CALCULATING; 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]
    • G06Q20/3227—Aspects of commerce using mobile devices [M-devices] using secure elements embedded in M-devices
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/3821—Electronic credentials
    • G06Q20/38215—Use of certificates or encrypted proofs of transaction rights
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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 OR CALCULATING; 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
    • G06Q20/409—Device specific authentication in transaction processing
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/16—Payments settled via telecommunication systems

Definitions

  • the present disclosure relates generally to transfer of digital assets to a user device. More particularly, the present disclosure is related to secure authentication of digital assets synchronized with a issuer bank for payment.
  • the present disclosure provides a method of validating a digital asset by a payment network.
  • the method comprising receiving, by a payment network server computer, payment credential information and mobile device information of a mobile device from an issuer server computer, wherein the credential information and the mobile device information are associated with a purchase of a digital asset from a digital asset server computer; identifying and verifying, by the payment network server computer, the credential information and the mobile device information; creating, by the payment network server computer, a payment token for making a payment for the purchase of the digital asset based on a successful identification and verification of the credential information and the mobile device information; sending, by the payment network server computer, the payment token to the mobile device; receiving, by the payment network server computer, a digital asset identification information from a distributed ledger; and sending, by the payment network server computer, a request to a mobile service provider server computer to send a silent push notification to the mobile device and store the digital asset associated with the payment token in a secure element of the mobile device based on
  • the present disclosure provides a system for validating a digital asset by a payment network.
  • the system comprising a payment network server computer comprising a processor and a memory to store machine executable instructions that when executed by the processor cause the processor to receive payment credential information and mobile device information of a mobile device from an issuer server computer, wherein the credential information and the mobile device information are associated with a purchase of a digital asset from a digital asset store; identify and verify the credential information and the mobile device information; create a payment token for making a payment for the purchase of the digital asset based on a successful identification and verification of the credential information and the mobile device information; send the payment token to the mobile device; receive a digital asset identification information from a distributed ledger; and send a request to a mobile service provider server computer of the mobile device to send a silent push notification to the mobile device and store the digital asset associated with the payment token in a secure element of the mobile device based on a successful handshake.
  • FIG. 2 is a swimlane diagram of an implementation of a method for maintaining a digital asset on a device secure element by associating the digital asset with a payment token, according to at least one aspect of the present disclosure.
  • FIG. 5 illustrates a block diagram of a payment network server computer, according to at least one aspect of the present disclosure.
  • FIG. 6 illustrates a block diagram of a computer apparatus with data processing subsystems or components, according to at least one aspect of the present disclosure.
  • FIG. 8 is a logic flow diagram of a method of maintaining a digital asset on a device secure element by associating the digital asset with a payment token, according to at least one aspect of the present disclosure.
  • the following disclosure may provide example systems, devices, and methods for conducting a financial transaction and related activities. Although reference may be made to such financial transactions in the examples provided below, aspects are not so limited. That is, the systems, methods, and apparatuses may be utilized for any suitable purpose.
  • Examples of account information may include a PAN (primary account number or “account number”), user name, expiration date, CVV (card verification value), dCVV (dynamic card verification value), CVV2 (card verification value 2), CVC3 card verification values, a token (e.g., account identifier substitute), an expiration date, a cryptogram, personal information associated with an account (e.g., address, etc.), an account alias, or any combination thereof.
  • Account credentials may be static or dynamic such that they change over time. Further, in some embodiments or aspects, the account credentials may include information that is both static and dynamic.
  • Payment credentials may be any information that identifies or is associated with a payment account. Payment credentials may be provided in order to make a payment from a payment account.
  • Account data may refer to any data concerning one or more accounts for one or more users.
  • Account data may include, for example, one or more account identifiers, user identifiers, transaction histories, balances, credit limits, issuer institution identifiers, and/or the like.
  • Account identifier may refer to one or more types of identifiers associated with an account (e.g., a unique identifier of an account, an account number, a PAN, a card number, a payment card number, a token, and/or the like) of a user.
  • an issuer may provide an account identifier (e.g., a PAN, a token, a globally unique identifier (GIIID), a universally unique identifier (UIIID), and/or the like) to a user that uniquely identifies one or more accounts associated with that user.
  • GIIID globally unique identifier
  • UIIID universally unique identifier
  • Account token may refer to an identifier that is used as a substitute or replacement identifier for an account identifier, such as a PAN.
  • An account token may be used as a substitute or replacement identifier for an original account identifier, such as a PAN.
  • Account tokens may be associated with a PAN or other original account identifier in one or more data structures (e.g., one or more databases and/or the like) such that they may be used to conduct a transaction without directly using the original account identifier.
  • an original account identifier such as a PAN, may be associated with a plurality of account tokens for different individuals or purposes.
  • Acquirer may refer to an entity licensed by the transaction service provider and/or approved by the transaction service provider to originate transactions (e.g., payment transactions) using a portable financial device associated with the transaction service provider.
  • Acquirer may also refer to one or more computer systems operated by or on behalf of an acquirer, such as a server computer executing one or more software applications (e.g., “acquirer server”).
  • An “acquirer” may be a merchant bank, or in some cases, the merchant system may be the acquirer.
  • the transactions may include original credit transactions (OCTs) and account funding transactions (AFTs).
  • OCTs original credit transactions
  • AFTs account funding transactions
  • the acquirer may be authorized by the transaction service provider to sign merchants of service providers to originate transactions using a portable financial device of the transaction service provider.
  • the acquirer may be liable for all transaction service provider programs that the acquirer operates or sponsors.
  • the acquirer may be responsible for the acts of the acquirer's payment facilitators, merchants that are sponsored by an acquirer's payment facilitator, and/or the like.
  • an acquirer may be a financial institution, such as a bank.
  • the account identifier may be embodied on a portable financial device, such as a physical financial instrument, e.g., a payment card, and/or may be electronic and used for electronic payments.
  • a portable financial device such as a physical financial instrument, e.g., a payment card, and/or may be electronic and used for electronic payments.
  • an issuer may be associated with a bank identification number (BIN) that uniquely identifies the issuer.
  • BIN bank identification number
  • issuer system or “issuer institution system” may refer to one or more systems operated by or operated on behalf of an issuer.
  • an issuer system may refer to a server executing one or more software applications associated with the issuer.
  • an issuer system may include one or more servers (e.g., one or more authorization servers) for authorizing a payment transaction.
  • token attributes may include any feature or information about a token.
  • token attributes may include information that can determine how a token can be used, delivered, issued, or otherwise how data may be manipulated within a transaction system.
  • token attributes may determine how a token may be used in place of a real account identifier (e.g., PAN) for a transaction.
  • the token attributes may include a type of token, frequency of use, token expiry date and/or expiry time, a number of associated tokens, a transaction lifecycle expiry date, and any additional information that may be relevant to any entity within a tokenization ecosystem.
  • dynamic tokens can include tokens that are limited or restricted in use (e.g., limited by time, amount threshold (aggregated amount or single-transaction amount), or by number of uses).
  • dynamic tokens can be generated and delivered on a per-transaction or on an as needed basis to the end user to initiate a payment transaction through a registered and authenticated device and/or channel.
  • a one-time use dynamic token can be used at electronic-commerce (e-commerce) websites and if the dynamic token is intercepted by a third party, the dynamic token may be useless because it has been used and is thus worthless for future transactions.
  • Instructions used to program logic to perform various disclosed aspects can be stored within a memory in the system, such as dynamic random access memory (DRAM), cache, flash memory, or other storage. Furthermore, the instructions can be distributed via a network or by way of other computer readable media.
  • DRAM dynamic random access memory
  • cache cache
  • flash memory or other storage.
  • the instructions can be distributed via a network or by way of other computer readable media.

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

Abstract

L'invention concerne des systèmes et des procédés de validation d'actifs numériques par un réseau de paiement. Le réseau de paiement reçoit des informations de justificatif d'identité de paiement et de dispositif mobile associées à un actif numérique provenant d'un émetteur. Le réseau de paiement identifie et vérifie les informations de justificatif d'identité de paiement et de dispositif mobile. Le réseau de paiement crée un jeton de paiement afin d'effectuer un paiement pour l'achat de l'actif numérique sur la base d'une identification et d'une vérification réussies des informations de justificatif d'identité de paiement et de dispositif mobile. Le réseau de paiement envoie le jeton de paiement au dispositif mobile. Le réseau de paiement reçoit des informations d'identification d'actif numérique provenant d'un registre distribué. Le réseau de paiement envoie une demande à un ordinateur serveur de service mobile pour envoyer une notification de poussée silencieuse au dispositif mobile et stocker l'actif numérique associé au jeton de paiement dans un élément sécurisé du dispositif mobile sur la base d'un établissement de liaison réussi.
PCT/US2023/075228 2023-09-27 2023-09-27 Validation de jeton non fongible par association d'un jeton de liaison de paiement émetteur sur un dispositif mobile Pending WO2025071589A1 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
PCT/US2023/075228 WO2025071589A1 (fr) 2023-09-27 2023-09-27 Validation de jeton non fongible par association d'un jeton de liaison de paiement émetteur sur un dispositif mobile

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/US2023/075228 WO2025071589A1 (fr) 2023-09-27 2023-09-27 Validation de jeton non fongible par association d'un jeton de liaison de paiement émetteur sur un dispositif mobile

Publications (1)

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WO2025071589A1 true WO2025071589A1 (fr) 2025-04-03

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Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20050283444A1 (en) * 2004-06-21 2005-12-22 Jan-Erik Ekberg Transaction & payment system securing remote authentication/validation of transactions from a transaction provider
US20130198080A1 (en) * 2012-01-26 2013-08-01 Lisa Anderson System and method of providing tokenization as a service
US20170109752A1 (en) * 2015-10-15 2017-04-20 Mastercard International Incorporated Utilizing enhanced cardholder authentication token
US10171245B2 (en) * 2015-02-09 2019-01-01 T0.Com, Inc. Crypto integration platform
US20200211002A1 (en) * 2017-09-21 2020-07-02 The Authoriti Network, Inc. System and method for authorization token generation and transaction validation

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20050283444A1 (en) * 2004-06-21 2005-12-22 Jan-Erik Ekberg Transaction & payment system securing remote authentication/validation of transactions from a transaction provider
US20130198080A1 (en) * 2012-01-26 2013-08-01 Lisa Anderson System and method of providing tokenization as a service
US10171245B2 (en) * 2015-02-09 2019-01-01 T0.Com, Inc. Crypto integration platform
US20170109752A1 (en) * 2015-10-15 2017-04-20 Mastercard International Incorporated Utilizing enhanced cardholder authentication token
US20200211002A1 (en) * 2017-09-21 2020-07-02 The Authoriti Network, Inc. System and method for authorization token generation and transaction validation

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