EP3295403A4 - Modulating mobile-device displays based on ambient signals to reduce the likelihood of fraud - Google Patents

Modulating mobile-device displays based on ambient signals to reduce the likelihood of fraud Download PDF

Info

Publication number
EP3295403A4
EP3295403A4 EP16793626.9A EP16793626A EP3295403A4 EP 3295403 A4 EP3295403 A4 EP 3295403A4 EP 16793626 A EP16793626 A EP 16793626A EP 3295403 A4 EP3295403 A4 EP 3295403A4
Authority
EP
European Patent Office
Prior art keywords
fraud
likelihood
reduce
device displays
displays based
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Withdrawn
Application number
EP16793626.9A
Other languages
German (de)
French (fr)
Other versions
EP3295403A1 (en
Inventor
Aaron Dragushan
Shaun F. DUBUQUE
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
RetailMeNot Inc
Original Assignee
RetailMeNot Inc
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by RetailMeNot Inc filed Critical RetailMeNot Inc
Publication of EP3295403A1 publication Critical patent/EP3295403A1/en
Publication of EP3295403A4 publication Critical patent/EP3295403A4/en
Withdrawn legal-status Critical Current

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—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
    • G06Q20/405—Establishing or using transaction specific rules
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/28—Pre-payment schemes, e.g. "pay before"
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • 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]
    • G06Q20/3224—Transactions dependent on location of M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • 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
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3274—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • G06Q20/3676—Balancing accounts
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—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
    • G06Q20/401—Transaction verification
    • G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M1/00—Substation equipment, e.g. for use by subscribers
    • H04M1/72—Mobile telephones; Cordless telephones, i.e. devices for establishing wireless links to base stations without route selection
    • H04M1/724—User interfaces specially adapted for cordless or mobile telephones
    • H04M1/72448—User interfaces specially adapted for cordless or mobile telephones with means for adapting the functionality of the device according to specific conditions
    • H04M1/72454—User interfaces specially adapted for cordless or mobile telephones with means for adapting the functionality of the device according to specific conditions according to context-related or environment-related conditions
EP16793626.9A 2015-05-13 2016-05-13 Modulating mobile-device displays based on ambient signals to reduce the likelihood of fraud Withdrawn EP3295403A4 (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US201562160811P 2015-05-13 2015-05-13
PCT/US2016/032434 WO2016183473A1 (en) 2015-05-13 2016-05-13 Modulating mobile-device displays based on ambient signals to reduce the likelihood of fraud

Publications (2)

Publication Number Publication Date
EP3295403A1 EP3295403A1 (en) 2018-03-21
EP3295403A4 true EP3295403A4 (en) 2018-12-05

Family

ID=57248282

Family Applications (1)

Application Number Title Priority Date Filing Date
EP16793626.9A Withdrawn EP3295403A4 (en) 2015-05-13 2016-05-13 Modulating mobile-device displays based on ambient signals to reduce the likelihood of fraud

Country Status (3)

Country Link
EP (1) EP3295403A4 (en)
CA (1) CA2984642A1 (en)
WO (1) WO2016183473A1 (en)

Families Citing this family (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
GB201702706D0 (en) * 2017-02-20 2017-04-05 Hamilton Christopher John Electronic payment apparatus
US11709819B2 (en) 2020-09-30 2023-07-25 International Business Machines Corporation Validating test results using a blockchain network
CN113627950B (en) * 2021-06-25 2023-12-29 淮安集略科技有限公司 Method and system for extracting user transaction characteristics based on dynamic diagram

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20040243519A1 (en) * 2003-06-02 2004-12-02 Nokia Corporation Prompted electronic mobile-service information communications with validation
US20100106662A1 (en) * 2008-10-29 2010-04-29 Satyanarayanan Ramaswamy Method and apparatus for in-store directions using visual or audio cues for current location determination
US8662387B1 (en) * 2010-12-23 2014-03-04 Amazon Technologies, Inc. Host-managed gift card program
US20140249904A1 (en) * 2009-09-23 2014-09-04 E2Interactive, Inc. D/B/A E2Interactive, Inc. Systems and Methods for Managing a Virtual Card Based on Geographical and Balance Information

Family Cites Families (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US2010662A (en) 1933-07-22 1935-08-06 Bethlehem Steel Corp Profiling machine
US7797233B2 (en) * 2002-01-30 2010-09-14 Store Financial Services, Llc Methods and systems for processing, accounting, and administration of stored value cards
EP1816595A1 (en) * 2006-02-06 2007-08-08 MediaKey Ltd. A method and a system for identifying potentially fraudulent customers in relation to network based commerce activities, in particular involving payment, and a computer program for performing said method
US9210528B2 (en) * 2010-07-21 2015-12-08 Tksn Holdings, Llc System and method for control and management of resources for consumers of information
US9858560B2 (en) * 2012-06-28 2018-01-02 Maxim Integrated Products, Inc. Secure payments with untrusted devices
US8978111B2 (en) * 2012-12-21 2015-03-10 Ebay, Inc. Method and apparatus for using sensors on a portable electronic device to verify transactions

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20040243519A1 (en) * 2003-06-02 2004-12-02 Nokia Corporation Prompted electronic mobile-service information communications with validation
US20100106662A1 (en) * 2008-10-29 2010-04-29 Satyanarayanan Ramaswamy Method and apparatus for in-store directions using visual or audio cues for current location determination
US20140249904A1 (en) * 2009-09-23 2014-09-04 E2Interactive, Inc. D/B/A E2Interactive, Inc. Systems and Methods for Managing a Virtual Card Based on Geographical and Balance Information
US8662387B1 (en) * 2010-12-23 2014-03-04 Amazon Technologies, Inc. Host-managed gift card program

Non-Patent Citations (1)

* Cited by examiner, † Cited by third party
Title
See also references of WO2016183473A1 *

Also Published As

Publication number Publication date
CA2984642A1 (en) 2016-11-17
EP3295403A1 (en) 2018-03-21
WO2016183473A1 (en) 2016-11-17

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