SG11201600050SA - System and method for providing bank transactions with a remote bank device - Google Patents

System and method for providing bank transactions with a remote bank device

Info

Publication number
SG11201600050SA
SG11201600050SA SG11201600050SA SG11201600050SA SG11201600050SA SG 11201600050S A SG11201600050S A SG 11201600050SA SG 11201600050S A SG11201600050S A SG 11201600050SA SG 11201600050S A SG11201600050S A SG 11201600050SA SG 11201600050S A SG11201600050S A SG 11201600050SA
Authority
SG
Singapore
Prior art keywords
bank
providing
remote
transactions
bank device
Prior art date
Application number
SG11201600050SA
Inventor
Steve Monaghan
Original Assignee
Dbs Bank Ltd
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 Dbs Bank Ltd filed Critical Dbs Bank Ltd
Publication of SG11201600050SA publication Critical patent/SG11201600050SA/en

Links

Classifications

    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04WWIRELESS COMMUNICATION NETWORKS
    • H04W12/00Security arrangements; Authentication; Protecting privacy or anonymity
    • H04W12/06Authentication
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06FELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/30Authentication, i.e. establishing the identity or authorisation of security principals
    • G06F21/31User authentication
    • G06F21/34User authentication involving the use of external additional devices, e.g. dongles or smart cards
    • G06F21/35User authentication involving the use of external additional devices, e.g. dongles or smart cards communicating wirelessly
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06FELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/30Authentication, i.e. establishing the identity or authorisation of security principals
    • G06F21/31User authentication
    • G06F21/36User authentication by graphic or iconic representation
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327Short range or proximity payments by means of M-devices
    • G06Q20/3274Short 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
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327Short range or proximity payments by means of M-devices
    • G06Q20/3278RFID or NFC payments by means of M-devices
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, 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
    • G06Q20/401Transaction verification
    • G06Q20/4014Identity check for transactions
    • G06Q20/40145Biometric identity checks
    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07FCOIN-FREED OR LIKE APPARATUS
    • G07F19/00Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20Automatic teller machines [ATMs]
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L2209/00Additional information or applications relating to cryptographic mechanisms or cryptographic arrangements for secret or secure communication H04L9/00
    • H04L2209/56Financial cryptography, e.g. electronic payment or e-cash
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00Network architectures or network communication protocols for network security
    • H04L63/04Network architectures or network communication protocols for network security for providing a confidential data exchange among entities communicating through data packet networks
    • H04L63/0428Network architectures or network communication protocols for network security for providing a confidential data exchange among entities communicating through data packet networks wherein the data content is protected, e.g. by encrypting or encapsulating the payload
    • H04L63/0492Network architectures or network communication protocols for network security for providing a confidential data exchange among entities communicating through data packet networks wherein the data content is protected, e.g. by encrypting or encapsulating the payload by using a location-limited connection, e.g. near-field communication or limited proximity of entities
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00Network architectures or network communication protocols for network security
    • H04L63/08Network architectures or network communication protocols for network security for authentication of entities
    • H04L63/0861Network architectures or network communication protocols for network security for authentication of entities using biometrical features, e.g. fingerprint, retina-scan
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
    • H04L9/32Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
    • H04L9/3226Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials using a predetermined code, e.g. password, passphrase or PIN
    • H04L9/3231Biological data, e.g. fingerprint, voice or retina
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04WWIRELESS COMMUNICATION NETWORKS
    • H04W12/00Security arrangements; Authentication; Protecting privacy or anonymity
    • H04W12/60Context-dependent security
    • H04W12/69Identity-dependent
    • H04W12/77Graphical identity
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04WWIRELESS COMMUNICATION NETWORKS
    • H04W4/00Services specially adapted for wireless communication networks; Facilities therefor
    • H04W4/80Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication

Landscapes

  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • Computer Security & Cryptography (AREA)
  • General Physics & Mathematics (AREA)
  • Accounting & Taxation (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Finance (AREA)
  • Computer Hardware Design (AREA)
  • Software Systems (AREA)
  • General Engineering & Computer Science (AREA)
  • Signal Processing (AREA)
  • Image Input (AREA)
  • Measurement Of The Respiration, Hearing Ability, Form, And Blood Characteristics Of Living Organisms (AREA)
  • Telephone Function (AREA)
SG11201600050SA 2013-07-05 2013-07-05 System and method for providing bank transactions with a remote bank device SG11201600050SA (en)

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/SG2013/000280 WO2015002608A1 (en) 2013-07-05 2013-07-05 System and method for providing bank transactions with a remote bank device

Publications (1)

Publication Number Publication Date
SG11201600050SA true SG11201600050SA (en) 2016-02-26

Family

ID=52144068

Family Applications (1)

Application Number Title Priority Date Filing Date
SG11201600050SA SG11201600050SA (en) 2013-07-05 2013-07-05 System and method for providing bank transactions with a remote bank device

Country Status (3)

Country Link
CN (1) CN105580046B (en)
SG (1) SG11201600050SA (en)
WO (1) WO2015002608A1 (en)

Families Citing this family (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US10453060B2 (en) 2016-05-27 2019-10-22 Mastercard International Incorporated Systems and methods for authenticating a requestor at an ATM
US10476862B2 (en) 2017-03-31 2019-11-12 Mastercard International Incorporated Systems and methods for providing digital identity records to verify identities of users
US11100503B2 (en) 2018-02-07 2021-08-24 Mastercard International Incorporated Systems and methods for use in managing digital identities
EP3723017A1 (en) 2019-04-08 2020-10-14 Mastercard International Incorporated Improvements relating to identity authentication and validation

Family Cites Families (12)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7712657B1 (en) * 2007-11-13 2010-05-11 Diebold Self-Service Systems Division Of Diebold, Incorporated Automated banking machine that enables multiple users to conduct concurrent transactions at different areas of a display surface
US8321346B2 (en) * 2002-12-19 2012-11-27 International Business Machines Corporation Automated teller machine for use with computing devices
JP4704185B2 (en) * 2005-10-27 2011-06-15 富士通株式会社 Biometric authentication system and biometric authentication method
CN101246543B (en) * 2008-03-18 2010-06-02 苏州纳米技术与纳米仿生研究所 Examiner identity identification method based on bionic and biological characteristic recognition
CN101561953A (en) * 2009-05-26 2009-10-21 中山大学 Safe ATM system and operation method thereof
CN101783039B (en) * 2009-12-29 2012-02-29 广州广电运通金融电子股份有限公司 Method and terminal for controlling security of financial transactions
US8632000B2 (en) * 2010-12-23 2014-01-21 Paydiant, Inc. Mobile phone ATM processing methods and systems
US20120166810A1 (en) * 2010-12-27 2012-06-28 Leon Tao Biometrically Securing and Transmitting Data
US20120197798A1 (en) * 2011-01-31 2012-08-02 Bank Of American Corporation Pending atm authentications
CN102737256A (en) * 2011-04-01 2012-10-17 深圳市指媒科技有限公司 Method and system for identity authentication based on RFID smart card
CN102855562A (en) * 2012-09-11 2013-01-02 守望者科技(北京)有限公司 NFC (near field communication) mobile terminal and payment method
CN202976102U (en) * 2012-11-22 2013-06-05 深圳市亚略特生物识别科技有限公司 Identity recognition device

Also Published As

Publication number Publication date
CN105580046B (en) 2022-04-08
CN105580046A (en) 2016-05-11
WO2015002608A1 (en) 2015-01-08

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