公开(公告)号：US20160155111A1

公开(公告)日：2016-06-02

申请号：US14906067

申请日：2014-07-11

Applicant: GEMALTO SA

Inventor： Valery ARNALD ,  Jean-Miche DESJARDINS ,  Michel THILL ,  Shintaro SUZUKI ,  Stéphane GRELLIER

IPC: G06Q20/32 ,  G06Q20/40 ,  G06Q20/36

CPC classification number: G06Q20/327 ,  G06Q20/12 ,  G06Q20/3226 ,  G06Q20/3278 ,  G06Q20/352 ,  G06Q20/363 ,  G06Q20/4012 ,  G06Q20/409 ,  G06Q30/0609 ,  G07F7/0846 ,  G07F7/0853 ,  G07F7/1008

Abstract: The present invention relates to a method and system for securing a validation process of an online payment transaction. During an online transaction on a mobile device, it is requested a contactless tap from a contactless display card (thanks to NFC reader mode in the mobile device) to establish a contactless exchange session. During this contactless exchange session, the display card receives the amount requested for the transaction and the identification of merchant. The user is invited to check amount and merchant identification on the screen of the display card. When the user validates the transaction by for example pressing on a corresponding button then the display card creates an authorization message comprising enciphered financial user information and data on the transaction. With a second tap from the display card, the mobile device receives the authorization message which is transmitted to the display card issuer through the merchant for validation.

Abstract translation: 本发明涉及一种用于确保在线支付交易的验证过程的方法和系统。 在移动设备的在线交易期间，请求来自非接触式显示卡的非接触式抽头（由于移动设备中的NFC读取器模式）来建立非接触式交换会话。 在非接触式交换会话期间，显示卡接收交易请求的金额和商家的识别。 请用户检查显示卡屏幕上的金额和商家标识。 当用户通过例如按下相应的按钮来验证交易时，显示卡创建包括加密的金融用户信息和交易数据的授权消息。 通过显示卡的第二次轻敲，移动设备接收授权消息，该授权消息通过商家传送到显示卡发行者进行验证。