公开(公告)号：WO2021228548A1

公开(公告)日：2021-11-18

申请号：PCT/EP2021/061069

申请日：2021-04-28

Applicant: IPCO 2012 LIMITED

Inventor： THALENJERI, Sudarshan ,  COLSTON, Mark Elliott ,  THOMPSON, Andrew Paul ,  GOWDA, Anand Kumar Akkajalli Hanume

IPC: G06Q20/38 ,  G06Q20/02 ,  G06Q20/12 ,  G06Q20/10 ,  G06Q20/22 ,  G06Q20/40 ,  G06Q20/108 ,  G06Q20/227 ,  G06Q20/38215 ,  G06Q20/405

Abstract: A method of associating a first party and a second party is provided, the method comprising: receiving a first electronic message comprising information indicative of the first party; generating a first electronic token in response to receiving the information indicative of the first party; sending the first electronic token to the first party; receiving one or more second electronic messages from the second party, the one or more second electronic messages comprising the first electronic token and information indicative of the second party; generating a second electronic token in response to receiving the first electronic token and the information indicative of the second party from the second party; associating the information indicative of the first party, the second party and the second electronic token, the first party being identified on the basis of the first electronic token; and sending the second electronic token to the first party.

公开(公告)号：WO2018150161A1

公开(公告)日：2018-08-23

申请号：PCT/GB2018/050353

申请日：2018-02-08

Applicant: IPCO 2012 LIMITED

Inventor： SHAH, Syed Asim Ali ,  STEPHENS, Jeremy ,  DEWAR, Michael ,  CORBALAN, Marc ,  DIVITT, David

IPC: H04W12/12 ,  G06Q20/40

Abstract: An apparatus for identifying an end node bank account in a network of bank accounts for funds from a fraudulent transaction, comprising processing circuitry configured to: identify a node account into which funds from the fraudulent transaction are paid; determine the number of account relationships associated 5 with the node account; and identify the node account as an end node bank account when the number of account relationships is above a threshold value.

公开(公告)号：WO2018002585A1

公开(公告)日：2018-01-04

申请号：PCT/GB2017/051818

申请日：2017-06-21

Applicant: IPCO 2012 LIMITED

Inventor： BOOTHBY, Robert ,  UPADHYE, Nilesh

IPC: G06Q20/38

Abstract: A method of generating a plurality of different one time tokens, the method comprising: acquiring a first numerical value from a predetermined sequence of consecutive numerical values; applying format preserving encryption to the acquired first numerical value to generate a first numerical one time token; acquiring a second numerical value from the predetermined sequence of consecutive numerical values, the acquired second numerical value being different to the acquired first numerical value; and applying the format preserving encryption to the acquired second numerical value to generate a second numerical one time token.

Abstract translation: 一种产生多个不同的一次令牌的方法，所述方法包括：从预定序列的连续数值中获取第一数值; 将保留加密的格式应用于所获取的第一数值以生成第一数字一次令牌; 从所述预定序列的连续数值中获取第二数值，所获取的第二数值不同于所获取的第一数值; 以及对所获取的第二数值应用格式保留加密以生成第二数字一次令牌。

公开(公告)号：WO2023036605A1

公开(公告)日：2023-03-16

申请号：PCT/EP2022/073447

申请日：2022-08-23

Applicant: IPCO 2012 LIMITED

Inventor： COLSTON, Mark Elliott ,  TAN, Phoebe ,  SABET, Mostafa Hussein

IPC: G06Q20/02 ,  G06Q20/38

Abstract: An information processing system for associating a first party and a second party comprising: a first information processing apparatus; a second information processing apparatus configured to: receive a message from the first information processing apparatus comprising information identifying the second party; generate a code associated with the second party; and transmit a message comprising the code to the first information processing apparatus; and a third information processing apparatus configured to: receive an authentication credential from the first party; obtain the code; transmit a message comprising the code and information identifying the first party to the second information processing apparatus; wherein the second information processing apparatus is configured to: associate the first and second parties; and transmit a message comprising information indicating the association of the first and second parties to the third information processing apparatus; wherein the third information processing apparatus is configured to: receive approval of the association from the first party; and transmit a message comprising information indicating the approval of the association to the second information processing apparatus; wherein the second information processing apparatus is configured to transmit a message comprising information indicating the approval of the association to the first information processing apparatus.

公开(公告)号：WO2020193016A1

公开(公告)日：2020-10-01

申请号：PCT/EP2020/054361

申请日：2020-02-19

Applicant: IPCO 2012 LIMITED

Inventor： RUSSELL, Clifford Norman ,  BARNES, Julian Robert Mark

IPC: G06Q10/10

Abstract: A Method, Apparatus and Computer Program for Verifying the Integrity of Electronic Messages A method for verifying integrity of electronic messages, comprising the steps of: obtaining an input message digest for a source electronic message; adding the input message digest to an input accumulator that accumulates the input message digests over a predetermined period of time; obtaining an output message digest for a destination electronic message; adding the output message digest to an output accumulator that accumulates the output message digests over the predetermined period of time; comparing the value of the input accumulator with the value of the output accumulator at the expiration of the predetermined period of time; and verifying integrity in the source and destination electronic messages over the predetermined period of time when the value of the input accumulator is equivalent to the value of the output accumulator.

公开(公告)号：WO2020064463A1

公开(公告)日：2020-04-02

申请号：PCT/EP2019/075024

申请日：2019-09-18

Applicant: IPCO 2012 LIMITED

Inventor： DEWAR, Michael

IPC: H04L29/08 ,  H04L29/06

Abstract: A method of tracing messages through a network of nodes is provided, the method comprising receiving message information corresponding to a first outbound message, the message information comprising a first source identifier and a first destination identifier and determining whether the first source identifier is associated with a set of messages in a storage unit, whereby when the first source identifier is associated with a set of messages, the method comprises producing a trace request, the trace request comprising the first destination identifier and an identifier identifying the set of messages associated with the first source identifier.

公开(公告)号：WO2018002626A1

公开(公告)日：2018-01-04

申请号：PCT/GB2017/051902

申请日：2017-06-29

Applicant: IPCO 2012 LIMITED

Inventor： UPADHYE, Nilesh

IPC: G06Q20/32 ,  G06Q20/40 ,  G06Q20/38 ,  G07F7/10

Abstract: A communications device for implementing an electronic payment process, the communications device comprising: a receiver unit operable to: receive a secure limited use key (SLUK) from a financial institution, the SLUK being generated by the financial institution using (1) a first limited use key (LUK) generated using a first key associated with the financial institution, an identifier which identifies a user of the communications device and a variable code and (2) a subset of the characters of a passcode associated with the user of the communications device, each character in the subset being identified by its character position in the passcode and the character position in the passcode of each of the characters in the subset being determined by a predetermined algorithm on the basis of a second key associated with the user of the communications device, the identifier which identifies the user of the communications device and the variable code, the second key being a secret key, wherein the SLUK is generated by wrapping the first LUK using each of the characters in the subset; and receive the variable code from the financial institution; a storage unit operable to store the received SLUK and variable code and to store the second key associated with the user of the communications device and the identifier which identifies the user of the communications device; a controller operable to, in response to an operation by a user to initiate an electronic payment at a point of sale (POS) device, generate the character position in the passcode of each character in the subset, the character position in the passcode of each character in the subset being determined by the predetermined algorithm on the basis of the second key, the identifier of the user of the communications device and the variable code, as stored in the storage unit; and a user interface operable to indicate to the user of the communications device the character position in the passcode of each character in the subset as generated by the controller and to receive an input from the user indicative of each character in the subset; wherein the controller is operable to perform an unwrapping process on the SLUK stored in the storage unit using each character indicated by the input from the user, the unwrapping process generating a second LUK; and wherein the communications device comprises: a transmitter unit operable to transmit the generated second LUK to the financial institution for authentication of the electronic payment.

Abstract translation: 一种用于实现电子支付过程的通信设备，该通信设备包括：接收器单元，其可操作以：从金融机构接收安全限制使用密钥（SLUK），所述SLUK由所述金融 （1）使用与金融机构相关联的第一密钥生成的第一限制使用密钥（LUK），标识通信设备的用户和可变代码的标识符以及（2）密码的字符子集 与通信设备的用户相关联，子集中的每个字符由其在密码中的字符位置标识，并且子集中每个字符的密码中的字符位置由预定算法基于第二 与通信设备的用户相关联的密钥，标识通信设备的用户和可变代码的标识符，第二密钥是secr et key，其中通过使用所述子集中的每个字符来包装所述第一LUK来生成所述SLUK; 并从金融机构接收可变代码; 存储单元，用于存储所接收的SLUK和可变代码，并存储与通信设备的用户相关联的第二密钥和标识通信设备的用户的标识符; 控制器，可操作用于响应于用户在销售点（POS）设备处发起电子支付的操作，在子集中的每个字符的密码中生成字符位置，每个字符在每个字符中的字符位置 所述子集中的字符由所述预定算法基于所述第二密钥，所述通信设备的用户的标识符和所述可变代码确定，如存储在所述存储单元中; 以及用户界面，用于向所述通信设备的用户指示由所述控制器生成的所述子集中的每个字符的密码中的字符位置，并从所述用户接收指示所述子集中的每个字符的输入; 其中所述控制器可操作以使用由来自所述用户的所述输入指示的每个字符对存储在所述存储单元中的所述SLUK执行解包处理，所述解包处理生成第二LUK; 并且其中通信设备包括：发送器单元，可操作用于将所生成的第二LUK发送到金融机构以认证电子支付。

公开(公告)号：WO2016097674A1

公开(公告)日：2016-06-23

申请号：PCT/GB2015/053037

申请日：2015-10-14

Applicant: IPCO 2012 LIMITED

Inventor： GARLICK, Steven George ,  MASTERS, Neil Antony

IPC: G06Q20/02 ,  G06Q20/30 ,  G06Q20/38

CPC classification number: G06Q20/027 ,  G06Q20/10 ,  G06Q20/30 ,  G06Q20/3827 ,  G06Q20/385

Abstract: The present invention provides a system for receiving electronic messages from a financial institution, the system comprising a plurality of switches configured to communicate with one another and to process the received electronic messages, wherein each switch includes processing circuitry that is configured to receive an electronic message that includes a unique identifier and, in dependence upon the unique identifier, either process the electronic message or forward the electronic message to another one of the switches for processing.

Abstract translation: 本发明提供了一种用于从金融机构接收电子消息的系统，该系统包括被配置为彼此通信并处理所接收的电子消息的多个交换机，其中每个交换机包括被配置为接收电子消息的处理电路 其包括唯一标识符，并且根据唯一标识符，处理电子消息或将电子消息转发到另一个交换机进行处理。

公开(公告)号：WO2016097673A1

公开(公告)日：2016-06-23

申请号：PCT/GB2015/053036

申请日：2015-10-14

Applicant: IPCO 2012 LIMITED

Inventor： GARLICK, Steven George ,  MASTERS, Neil Antony

IPC: G06Q20/02 ,  G06Q20/30 ,  G06Q20/38

CPC classification number: G06Q20/108 ,  G06Q20/027 ,  G06Q20/30 ,  G06Q20/3825 ,  G06Q20/3827

Abstract: The present invention provides an interface for controlling the transfer of electronic messages between a financial institution and a transaction processing system for processing the messages, wherein the financial institution is connected to the transaction processing system via a data communications network, the interface comprising communication circuitry operable to receive an electronic message issued by the financial institution; and processing circuitry operable to determine whether the format of the electronic message conforms to a predetermined standard necessary for processing of the electronic message; and in the event that the format of the electronic message does conform to the predetermined standard, the communication circuitry is further operable to transmit the electronic message over the network for storage in a message queue unit associated with the transaction processing system; and in the event that the format of the electronic message does not conform to the predetermined standard, the communication circuitry is operable to return the electronic message to the financial institution.

Abstract translation: 本发明提供了一种用于控制金融机构和用于处理消息的交易处理系统之间的电子消息传送的接口，其中金融机构经由数据通信网络连接到交易处理系统，该接口包括可操作的通信电路 接收金融机构发出的电子信息; 以及处理电路，其可操作以确定所述电子消息的格式是否符合处理所述电子消息所需的预定标准; 并且在电子消息的格式符合预定标准的情况下，通信电路还可操作以通过网络发送电子消息以存储在与交易处理系统相关联的消息队列单元中; 并且在电子消息的格式不符合预定标准的情况下，通信电路可操作以将电子消息返回到金融机构。

公开(公告)号：WO2020064462A1

公开(公告)日：2020-04-02

申请号：PCT/EP2019/075022

申请日：2019-09-18

Applicant: IPCO 2012 LIMITED

Inventor： DEWAR, Michael

IPC: G06Q20/40 ,  H04L29/06

Abstract: A method of building a set of traceable messages through a network of nodes is provided, the method comprising receiving message information corresponding to a first message, the message information comprising a first source identifier and a first destination identifier and determining whether the source identifier is associated with a set of previous messages, whereby when the first source identifier is associated with a set of previous messages, the method comprises identifying the first message as also belonging to the set of previous messages and when the first source identifier is not associated with a set of previous messages, the method comprises identifying the first message as belonging to a new set of messages, the method further comprising associating the first destination identifier with the set of messages to which the first message belongs, such that if a second message is sent from that destination, the second message will be identified as belonging to that set of messages.