Facilitating a secure transaction over a direct secure transaction channel

• US 9,471,914 B2
• Filed: 06/24/2011
• Issued: 10/18/2016
• Est. Priority Date: 01/19/2001
• Status: Expired due to Term

• Current Assignee: Mastercard Mobile Transactions Solutions, Inc. (MasterCard Incorporated)
• Original Assignee: Mastercard Mobile Transactions Solutions, Inc. (MasterCard Incorporated)
• Inventors: Pitroda, Satyan G., Desai, Mehul
• Primary Examiner(s): Coppola, Jacob C.
• Application Number:
  US13/168,798
• Publication Number:
  US 20120005079A1
• Time in Patent Office: 1,943 Days
• US Class Current: 1/1
• CPC Class Codes: G06F 21/606 by securing the transmission between two devices or processes
• CPC Class Codes: G06Q 20/02 involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• CPC Class Codes: G06Q 20/045 using payment protocols involving tickets
• CPC Class Codes: G06Q 20/047 using payment protocols involving electronic receipts
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/145 Payments according to the detected use or quantity
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/3226 Use of secure elements separate from M-devices
• CPC Class Codes: G06Q 20/3227 using secure elements embedded in M-devices
• CPC Class Codes: G06Q 20/325 using wireless networks
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/367 involving electronic purses or money safes
• CPC Class Codes: G06Q 20/3674 involving authentication
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/3821 Electronic credentials
• CPC Class Codes: G06Q 20/38215 Use of certificates or encrypted proofs of transaction rights
• CPC Class Codes: G06Q 20/3829 involving key management
• CPC Class Codes: G06Q 20/385 using an alias or single-use codes
• CPC Class Codes: G06Q 20/40 : 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
• CPC Class Codes: G06Q 20/4014 : Identity check for transactions
• CPC Class Codes: G06Q 20/42 : Confirmation, e.g. check or permission by the legal debtor of payment
• CPC Class Codes: G06Q 2220/00 : Business processing using cryptography postage metering system using cryptography G06Q2250/05
• CPC Class Codes: G06Q 30/06 : Buying, selling or leasing transactions
• CPC Class Codes: G16H 10/60 : for patient-specific data, e.g. for electronic patient records
• CPC Class Codes: G16Z 99/00 : Subject matter not provided for in other main groups of this subclass
• CPC Class Codes: H04L 63/0428 : wherein the data content is protected, e.g. by encrypting or encapsulating the payload
• CPC Class Codes: H04L 63/06 : for supporting key management in a packet data network cryptographic mechanisms or cryptographic arrangements for key management H04L9/08
• CPC Class Codes: H04L 63/08 : for authentication of entities cryptographic mechanisms or cryptographic arrangements for entity authentication H04L9/32
• CPC Class Codes: H04L 63/0838 : using one-time-passwords

Abstract

Methods and systems are provided for supporting electronic transactions, including transactions that are provided with per-user, per-device and per-domain security across domains of multiple service providers.

Claims

1. A method of conducting a secure transaction, comprising:

receiving, by a transaction service provider server, a plurality of keys generated by an electronic transaction facility from a handheld electronic transaction device configured with the electronic transaction facility;

issuing, by the transaction service provider server, a first one-time activation code (OTAC) to a user of the handheld electronic transaction device;

authenticating the handheld device and associating the handheld device with the user based on the first OTAC being entered by the user into the handheld device during a registration process with the transaction service provider server, wherein the first OTAC is received via the handheld device by the transaction service provider as part of a message that includes the plurality of keys;

associating the configured electronic transaction facility with at least one account of a plurality of the user'"'"'s accounts registered with the transaction service provider;

updating, by the transaction service provider server, the electronic transaction facility with credentials of a service provider of a plurality of service providers, and forwarding credentials of the electronic transaction facility to the service provider, thereby providing secure communication directly between the user and the service provider; and

authenticating, by the service provider, the electronic transaction facility by verifying a second OTAC received by the service provider directly from the handheld device after being encrypted by the handheld device using the credentials of the service provider, wherein prior to the authenticating the second OTAC is sent from the service provider to the user.

2. The method of claim 1, wherein the first one-time activation code is provided to the user by a master service facility.