RU2018143987A - Система объединения токенов для многосторонних транзакций - Google Patents
Система объединения токенов для многосторонних транзакций Download PDFInfo
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- G06Q20/3821—Electronic credentials
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- G06Q20/00—Payment architectures, schemes or protocols
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- 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]
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Claims (44)
1. Способ, содержащий, этапы, на которых:
принимают, посредством основного компьютера авторизации, набор начальных токенов от устройства связи, при этом каждый начальный токен из набора начальных токенов связан с отличающимся от других счетом;
генерируют, посредством основного компьютера авторизации, главный токен для связывания с набором начальных токенов;
предоставляют, посредством основного компьютера авторизации, главный токен на устройство связи;
принимают, посредством основного компьютера авторизации, запрос на авторизацию транзакции от поставщика ресурсов, при этом запрос включает в себя главный токен;
генерируют, посредством основного компьютера авторизации, для каждого начального токена в наборе токенов дополнительный запрос авторизации для части запрошенной транзакции;
передают, посредством основного компьютера авторизации, сгенерированные дополнительные запросы авторизации на дополнительные компьютеры авторизации, связанные с каждым начальным токеном в наборе начальных токенов; и
по приему основным компьютером авторизации ответа авторизации от каждого из дополнительных компьютеров авторизации генерируют последующий ответ авторизации и передают последующий ответ авторизации поставщику ресурсов.
2. Способ по п. 1, в котором упомянутую часть запрошенной транзакции определяют на основе, по меньшей мере отчасти, конфигурационных установочных параметров, связанных с главным токеном.
3. Способ по п. 2, в котором конфигурационные установочные параметры, связанные с главным токеном, хранятся основным компьютером авторизации в привязке к учетной записи, связанной с устройством связи.
4. Способ по п. 3, в котором конфигурационные установочные параметры могут обновляться пользователем, связанным с учетной записью.
5. Способ по п. 1, в котором устройство связи получает каждый начальный токен набора начальных токенов от по меньшей мере одного второго устройства связи.
6. Способ по п. 1, в котором каждый токен набора начальных токенов представляет разный расчетный счет.
7. Мобильное устройство, содержащее:
один или более процессоров; и
память, включающую в себя инструкции, которые при их исполнении одним или более процессорами предписывают мобильному устройству:
принимать один или более начальных токенов, при этом каждый из одного или более начальных токенов связан с отличающимся от других счетом;
добавлять к одному или более начальным токенам токен, связанный с мобильным устройством;
связывать с одним или более начальными токенами главный токен;
принимать запрос на совершение транзакции; и
предоставлять в ответ на запрос на совершение транзакции главный токен, с тем чтобы части транзакции приписывались каждому из одного или более начальных токенов.
8. Мобильное устройство по п. 7, при этом части транзакции, приписываемые каждому из одного или более начальных токенов, определяются согласно предварительно определенным установочным параметрам.
9. Мобильное устройство по п. 7, при этом каждый из одного или более начальных токенов принимается от по меньшей мере одного второго мобильного устройства.
10. Мобильное устройство по п. 9, при этом по меньшей мере один из одного или более токенов принимается посредством беспроводной связи ближнего радиуса действия.
11. Мобильное устройство по п. 9, при этом по меньшей мере один из одного или более токенов принимается посредством устройства сканирования штрих-кодов, содержащегося в мобильном устройстве.
12. Мобильное устройство по п. 7, при этом инструкции дополнительно предписывают мобильному устройству предоставлять главный токен и один или более токенов на основной компьютер авторизации, с тем чтобы запрос авторизации, включающий в себя главный токен, был назначен каждому из одного или более токенов.
13. Мобильное устройство по п. 7, при этом инструкции дополнительно предписывают мобильному устройству:
принимать конфигурационные установочные параметры от пользователя; и
предоставлять конфигурационные установочные параметры на основной компьютер авторизации, с тем чтобы части транзакции приписывались каждому из одного или более токенов согласно конфигурационным установочным параметрам.
14. Серверное устройство, содержащее:
один или более процессоров и
память, включающую в себя инструкции, которые при их исполнении одним или более процессорами предписывают серверному устройству:
вести информацию о счете, связанную с пользователем;
принимать от одного или более приложений один или более начальных токенов, причем каждый из этих одного или более токенов связан с отличающимся от других счетом;
идентифицировать начальный токен, связанный с пользователем;
добавлять идентифицированный начальный токен к одному или более начальным токенам;
генерировать главный токен для связывания с одним или более начальными токенами; и
предоставлять сгенерированный главный токен пользователю.
15. Серверное устройство по п. 14, при этом инструкции дополнительно предписывают серверному устройству: по приему сообщения с запросом авторизации, которое включает в себя главный токен, генерировать сообщения с дополнительным запросом авторизации для их предоставления на компьютеры авторизации, связанные с каждым из одного или более начальных токенов, для части сообщения с запросом авторизации.
16. Серверное устройство по п. 15, при этом инструкции дополнительно предписывают серверному устройству: по приему дополнительного ответа авторизации от каждого из компьютеров авторизации, связанных с каждым из одного или более начальных токенов, генерировать сообщение с ответом авторизации на сообщение с запросом авторизации.
17. Серверное устройство по п. 16, в котором по определению того, что по меньшей мере одно из принятых сообщений с дополнительным ответом авторизации включает в себя отклонение части транзакции, сообщение с ответом авторизации на принятое сообщение с запросом авторизации генерируется включающим в себя инструкции для отклонения транзакции.
18. Серверное устройство по п. 14, в котором по определению того, что каждое из принятых сообщений с дополнительным ответом авторизации включает в себя одобрение части транзакции, сообщение с ответом авторизации на принятое сообщение с запросом авторизации генерируется включающим в себя инструкции для одобрения транзакции.
19. Серверное устройство по п. 14, при этом идентифицированный начальный токен идентифицируется на основе ввода, предоставляемого пользователем.
20. Серверное устройство по п. 14, при этом каждый из одного или более начальных токенов связан с билетом на мероприятие с пропуском по билетам, и главный токен может быть использован для получения доступа на мероприятие с пропуском по билетам для дополнительных пользователей, связанных с каждым из одного или более начальных токенов.
Applications Claiming Priority (3)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| US15/185,949 US11068899B2 (en) | 2016-06-17 | 2016-06-17 | Token aggregation for multi-party transactions |
| US15/185,949 | 2016-06-17 | ||
| PCT/US2017/033502 WO2017218138A1 (en) | 2016-06-17 | 2017-05-19 | Token aggregation system for multi-party transactions |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| RU2018143987A true RU2018143987A (ru) | 2020-07-17 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| RU2018143987A RU2018143987A (ru) | 2016-06-17 | 2017-05-19 | Система объединения токенов для многосторонних транзакций |
Country Status (6)
| Country | Link |
|---|---|
| US (2) | US11068899B2 (ru) |
| CN (1) | CN109416795B (ru) |
| AU (1) | AU2017284935A1 (ru) |
| CA (1) | CA3019935A1 (ru) |
| RU (1) | RU2018143987A (ru) |
| WO (1) | WO2017218138A1 (ru) |
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| EP3762844A4 (en) | 2018-03-07 | 2021-04-21 | Visa International Service Association | SECURE REMOTE TOKEN RELEASE WITH ONLINE AUTHENTICATION |
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| US20210312445A1 (en) | 2021-10-07 |
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