SG10201610686SA - Systems and methods for processing a payment transaction authorization request - Google Patents

Systems and methods for processing a payment transaction authorization request

Info

Publication number
SG10201610686SA
SG10201610686SA SG10201610686SA SG10201610686SA SG10201610686SA SG 10201610686S A SG10201610686S A SG 10201610686SA SG 10201610686S A SG10201610686S A SG 10201610686SA SG 10201610686S A SG10201610686S A SG 10201610686SA SG 10201610686S A SG10201610686S A SG 10201610686SA
Authority
SG
Singapore
Prior art keywords
user
authorization request
transaction authorization
transaction
processing
Prior art date
Application number
SG10201610686SA
Inventor
Das Subrat
Original Assignee
Mastercard International 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 Mastercard International Inc filed Critical Mastercard International Inc
Priority to SG10201610686SA priority Critical patent/SG10201610686SA/en
Priority to PCT/US2017/058445 priority patent/WO2018118212A1/en
Priority to US15/816,023 priority patent/US20180174150A1/en
Publication of SG10201610686SA publication Critical patent/SG10201610686SA/en

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
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G06Q20/40145—Biometric identity checks
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems
    • 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
    • G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by 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
    • G06Q20/38—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
    • G06V—IMAGE OR VIDEO RECOGNITION OR UNDERSTANDING
    • G06V40/00—Recognition of biometric, human-related or animal-related patterns in image or video data
    • G06V40/70—Multimodal biometrics, e.g. combining information from different biometric modalities
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
    • H04L9/50—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols using hash chains, e.g. blockchains or hash trees
    • 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
    • G06Q20/326—Payment applications installed on the mobile 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
    • G06Q2220/00—Business processing using cryptography

Abstract

SYSTEMS AND METHODS FOR PROCESSING A PAYMENT TRANSACTION AUTHORIZATION REQUEST A data processing device for generating a transaction authorization request is disclosed. The the data processing device comprises: an input module operable to receive a user input from a user; a camera module operable to capture an image of the user; a computer processor; and a data storage device, the data storage device having an input processing component; a camera control component; and a transaction request generation component comprising non-transitory instructions operative by the processor to: receive a user input from a user indicating initiation of a transaction; control the camera module to capture an image of the user; and generate a transaction authorization request, the transaction authorization request comprising an indication of the transaction and the image of the user. [Figure to print with abstract: Fig.I]
SG10201610686SA 2016-12-20 2016-12-20 Systems and methods for processing a payment transaction authorization request SG10201610686SA (en)

Priority Applications (3)

Application Number Priority Date Filing Date Title
SG10201610686SA SG10201610686SA (en) 2016-12-20 2016-12-20 Systems and methods for processing a payment transaction authorization request
PCT/US2017/058445 WO2018118212A1 (en) 2016-12-20 2017-10-26 Systems and methods for processing a payment transaction authorization request
US15/816,023 US20180174150A1 (en) 2016-12-20 2017-11-17 Systems and methods for processing a payment transaction authorization request

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
SG10201610686SA SG10201610686SA (en) 2016-12-20 2016-12-20 Systems and methods for processing a payment transaction authorization request

Publications (1)

Publication Number Publication Date
SG10201610686SA true SG10201610686SA (en) 2018-07-30

Family

ID=61028156

Family Applications (1)

Application Number Title Priority Date Filing Date
SG10201610686SA SG10201610686SA (en) 2016-12-20 2016-12-20 Systems and methods for processing a payment transaction authorization request

Country Status (3)

Country Link
US (1) US20180174150A1 (en)
SG (1) SG10201610686SA (en)
WO (1) WO2018118212A1 (en)

Families Citing this family (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US11093943B1 (en) 2020-01-27 2021-08-17 Capital One Services, Llc Account security system
US11823202B1 (en) 2021-05-20 2023-11-21 Wells Fargo Bank, N.A. Systems and methods for digitized proof of transactions
US11681787B1 (en) * 2021-10-15 2023-06-20 T Stamp Inc. Ownership validation for cryptographic asset contracts using irreversibly transformed identity tokens

Family Cites Families (20)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP2198552A1 (en) * 2007-09-28 2010-06-23 Eye Controls, LLC. Systems and methods for biometric identification
US9269010B2 (en) * 2008-07-14 2016-02-23 Jumio Inc. Mobile phone payment system using integrated camera credit card reader
US8725652B2 (en) * 2011-03-29 2014-05-13 Visa International Service Association Using mix-media for payment authorization
US8577810B1 (en) * 2011-09-29 2013-11-05 Intuit Inc. Secure mobile payment authorization
US9978064B2 (en) * 2011-12-30 2018-05-22 Visa International Service Association Hosted thin-client interface in a payment authorization system
US9137246B2 (en) * 2012-04-09 2015-09-15 Brivas Llc Systems, methods and apparatus for multivariate authentication
US9626678B2 (en) * 2012-08-01 2017-04-18 Visa International Service Association Systems and methods to enhance security in transactions
WO2014028769A2 (en) * 2012-08-15 2014-02-20 Jumio Inc. Image processing for credit validation
US11080701B2 (en) * 2015-07-02 2021-08-03 Royal Bank Of Canada Secure processing of electronic payments
US9294475B2 (en) * 2013-05-13 2016-03-22 Hoyos Labs Ip, Ltd. System and method for generating a biometric identifier
US20160086187A1 (en) * 2013-06-17 2016-03-24 Raymond Anthony Joao Apparatus and method for providing transaction security and/or account security
US20160210829A1 (en) * 2013-09-06 2016-07-21 Nec Corporation Security system, security method, and non-transitory computer readable medium
US9825944B2 (en) * 2014-01-24 2017-11-21 Microsoft Technology Licensing, Llc Secure cryptoprocessor for authorizing connected device requests
US20160057138A1 (en) * 2014-03-07 2016-02-25 Hoyos Labs Ip Ltd. System and method for determining liveness
US10019756B2 (en) * 2014-03-31 2018-07-10 Mastercard International Incorporated Systems and methods for throttling transaction processing based on constrained sub-systems
US10043185B2 (en) * 2014-05-29 2018-08-07 Apple Inc. User interface for payments
CA3186147A1 (en) * 2014-08-28 2016-02-28 Kevin Alan Tussy Facial recognition authentication system including path parameters
US11961154B2 (en) * 2015-05-21 2024-04-16 Dxc Technology Services Llc Contract token including sensor data
US10291610B2 (en) * 2015-12-15 2019-05-14 Visa International Service Association System and method for biometric authentication using social network
US10333982B2 (en) * 2016-04-19 2019-06-25 Visa International Service Association Rotation of authorization rules in memory of authorization system

Also Published As

Publication number Publication date
US20180174150A1 (en) 2018-06-21
WO2018118212A1 (en) 2018-06-28

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