公开(公告)号：WO2017055373A1

公开(公告)日：2017-04-06

申请号：PCT/EP2016/073152

申请日：2016-09-28

Applicant: TOUCHTECH PAYMENTS LIMITED

Inventor： O'HARA, Joseph ,  PACINI, Gavin ,  HOGAN, Niall ,  KUYE, Joseph

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

CPC classification number: G06Q20/385 ,  G06Q20/3276 ,  G06Q20/3278 ,  G06Q20/382 ,  G06Q20/40145

Abstract: A method and system are disclosed in an electronic payment network, for associating a payment card of a cardholder with a personal computing device of the cardholder, then authenticating the payment card in electronic transactions processed in the network. The card and a device activation code are input to the cardholder device by the cardholder, then communicated sent to a remote server for obtaining a card token. The server generates a device token and an authorisation token, stores the generated tokens together with the card token, and sends the card and device tokens to the cardholder device for storage. Whenever a transaction is processed in the network, the payment card is authenticated by inputting authenticating data to the cardholder device for generating an authorisation token, which is sent to the server with the stored card and device tokens, for a matching operation against the card, device and authorisation tokens at the server.

Abstract translation: 在电子支付网络中公开了一种方法和系统，用于将持卡人的支付卡与持卡人的个人计算设备相关联，然后在网络中处理的电子交易中对支付卡进行认证。 卡和设备激活码由持卡人输入到持卡人设备，然后传送给远程服务器以获取卡令牌。 服务器生成设备令牌和授权令牌，将生成的令牌与卡令牌一起存储，并将卡和设备令牌发送到持卡人设备进行存储。 每当在网络中处理交易时，通过向持卡人设备输入认证数据来生成授权令牌来认证支付卡，该授权令牌使用存储的卡和设备令牌发送到服务器，以针对卡进行匹配操作， 服务器上的设备和授权令牌。