US20110137804A1 - System and method for approving transactions - Google Patents
System and method for approving transactions Download PDFInfo
- Publication number
- US20110137804A1 US20110137804A1 US12/629,937 US62993709A US2011137804A1 US 20110137804 A1 US20110137804 A1 US 20110137804A1 US 62993709 A US62993709 A US 62993709A US 2011137804 A1 US2011137804 A1 US 2011137804A1
- Authority
- US
- United States
- Prior art keywords
- payer
- transaction
- location
- merchant
- request
- 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.)
- Abandoned
Links
Images
Classifications
-
- 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
- H04L9/32—Cryptographic 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
- H04L9/3271—Cryptographic 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 challenge-response
-
- 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
-
- 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
- G06Q20/085—Payment architectures involving remote charge determination or related payment 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
- G06Q20/08—Payment architectures
- G06Q20/16—Payments settled via telecommunication 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
- G06Q20/22—Payment schemes or models
- G06Q20/24—Credit schemes, i.e. "pay after"
-
- 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
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
- G06Q30/0603—Catalogue ordering
-
- 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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/12—Accounting
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04W—WIRELESS COMMUNICATION NETWORKS
- H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
- H04W4/02—Services making use of location information
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04W—WIRELESS COMMUNICATION NETWORKS
- H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
- H04W4/02—Services making use of location information
- H04W4/029—Location-based management or tracking services
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L2209/00—Additional information or applications relating to cryptographic mechanisms or cryptographic arrangements for secret or secure communication H04L9/00
- H04L2209/56—Financial cryptography, e.g. electronic payment or e-cash
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L2209/00—Additional information or applications relating to cryptographic mechanisms or cryptographic arrangements for secret or secure communication H04L9/00
- H04L2209/80—Wireless
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L63/00—Network architectures or network communication protocols for network security
- H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
- H04L63/0853—Network architectures or network communication protocols for network security for authentication of entities using an additional device, e.g. smartcard, SIM or a different communication terminal
Definitions
- This disclosure relates to systems and methods for approving commercial transaction such as transactions between a merchant and a payer.
- the disclosure relates to transactions involving credit cards, debit cards, and the like.
- What is required is an improved system and method for identifying fraudulent attempts to use a payment authorization device based on the location of the device.
- a method for approving a transaction between a merchant payment device of a merchant and a payer identification device of a payer comprises identifying the payer from the payer identification device at the merchant payment device, identifying a mobile communications device of the payer, communicating with the mobile communications device to receive a communication from the mobile communications device which indicates authentication data, and determining an approval for the transaction from the authentication data.
- a payment processing system for approving a transaction between a merchant payment device of a merchant and a payer identification device of a payer.
- the payment processing system may be configured to receive a transaction record that indicates the payer identification device and the merchant payment device.
- the payment processing system may also be configured to analyze authentication data from a mobile communications device of the payer, approve the transaction using the authentication data, and indicate the approval of the transaction to the merchant payment device.
- a computer-readable medium comprising computer executable instructions for execution by a processor of a device, that, when executed, cause the processor to read a payment identification device of a payer, identify a mobile communications device of the payer, request authentication information from the mobile communications device, receive the authentication information from the mobile communications device, generate a transaction record incorporating the authentication information, and provide the transaction record to a payment processing system.
- FIG. 1 illustrates components of a transaction system of the present disclosure
- FIG. 2 illustrates a method for approving a transaction
- FIG. 3 illustrates a method for approving a transaction using location data of a payer mobile device
- FIG. 4 illustrates a method for approving a transaction using transaction history known to a payer mobile device
- FIG. 5 illustrates a payment processing system process
- FIG. 6 illustrates a processor and memory of a merchant payment device in communication with a processor and memory of a payment processing system
- FIG. 7 illustrates an instruction set for executing on the merchant payment device processor of FIG. 6 .
- FIG. 1 A system 10 in accordance with an embodiment of the disclosure is illustrated in FIG. 1 .
- a payment processing system 12 that interacts with a merchant payment device 14 through known communications protocols such as TCP/IP, FTP, EFTPOS etc.
- a payer e.g., a customer
- the payer identification device may be a credit card, debit card, or other form of account identifier, which in some embodiments, may include a mobile telecommunications device.
- the merchant payment device 14 e.g., a credit card reader, a Bluetooth radio
- the merchant payment device 14 may communicate the payer information to the payment processing system 12 for verification.
- the payment processing system 12 may include a database 13 which stores payer identification including payer name, contact details, account information, credit limit and other required information for verifying transactions of the payer.
- a mobile telecommunications device 18 of the payer will be available.
- the ubiquitous nature of mobile devices is taken into account so that the payer's mobile device can be used in the transaction as an additional verification tool.
- a method for verifying a transaction using a payer's mobile device is shown in the, flowchart 100 of FIG. 2 .
- the merchant payment device 14 scans, reads or otherwise identifies the payer identification device 16 .
- a mobile communications device 18 of the payer is identified, e.g., from data associated with the payer identification device 16 , or from other data provided at the transaction, e.g., by communication direct from the payer.
- the merchant payment device 14 contacts the payer mobile device 18 to request authentication data (step 103 ) which is received at step 104 .
- the authentication data is then used to determine an approval for the transaction (step 105 ), e.g., by providing the authentication data to a payment processing system 12 .
- the authentication data may take several forms, including the location of the payer mobile device or previous transaction history of the payer, known to the payer mobile device, which may or may not be known to the merchant payment device.
- the authentication data may be provided from the payer mobile device to the payment processing service or to the merchant payment device and via any necessary intermediaries such as routers, network providers and the like.
- the method described in FIG. 2 may be used to tie validation and authorization of a payment transaction to the locations of the entities involved. That is, the method may extend transaction authorization to include geolocation information. If the payer identification device 16 (credit card, debit card, cell phone acting as a credit card, etc.) is present, the geolocation of the payer mobile device 18 is compared during the card processor's authorization processing to other geolocation information, such as the location of the merchant's store, to establish that the person authorized to execute the transaction is in approximately the same location as the payer identification device 16 . In simple terms, if the authorized card holder isn't near the card reader, the transaction should either be declined or additional identity confirmation should be conducted.
- the payer identification device 16 credit card, debit card, cell phone acting as a credit card, etc.
- the merchant payment device 14 may be used to read the payer identification device 16 to pay a merchant (step 201 ).
- the merchant payment device 14 sends to the payment processing system 12 a transaction record (step 202 ) which identifies the payer identification device 16 , the merchant payment device 14 and other details of the transaction such as the amount, time, etc.
- the transaction record maybe used to determine a geolocation of the merchant payment device (step 203 ).
- the location of the merchant payment device 14 may be known locally in the payment processing system 12 , e.g., stored in a local database 13 , and may be retrieved from the database 13 using an identity of the merchant or the merchant payment device 14 .
- the transaction record may include the geolocation of the merchant payment device 14 , e.g., as determined by an internal GPS system of the merchant payment device 14 or other location determination system.
- the merchant payment device 14 may identify the mobile communications device 18 and request the current location of the mobile communications device 18 (step 205 ) which is received at step 206 and added to the transaction record.
- the database 13 of the payment processing system 12 may store contact details for the mobile communications device 18 such that steps 204 , 205 , 206 are performed by the payment processing system once the payer has been identified from the transaction record.
- the payer mobile device 18 may provide location information without user input.
- a message such as an SMS message may be sent to the payer's mobile device 18 , requiring an SMS response from the payer, with the location of the payer mobile device 18 being extracted from the response SMS message.
- the merchant payment device 14 is sent a message approving the transaction (step 207 ).
- the acceptable distance may depend on the transaction environment. For example, transactions with merchants where the payer may often be in a car, such as in a drive-through premises, may allow a greater distance than transactions where customers are generally slower or more stationary. Typical allowable distances are considered to be 100 feet for a casual restaurant, 20 feet for a retail store, and 10 feet for a fast food restaurant. The typical distance for each merchant is stored in the Payment Processing Service database 13 .
- the transaction record may be complete when first sent from the merchant payment device 14 to the payment processing system 12 .
- This has the advantage that a location of the mobile communications device 18 and the merchant payment device 14 are known at the immediate time of the transaction.
- the transaction record may also be sent in multiple stages.
- the payment processing system 12 may separately query the merchant payment device 14 for its current location, which the merchant payment device 14 may add to the transaction record in response to the query.
- the merchant payment device 14 is used to read the payer identification device to pay a merchant (step 301 ).
- the merchant payment device 14 looks for the payer mobile device 18 (step 302 ) (e.g., cell phone, PDA, MID, etc.) and connects to the payer mobile device 18 (step 303 ), which communicates a previous transaction history, such as an authentication history for the merchant payment device 14 (step 304 ). If the payer mobile device 18 is not present or the registration check fails, the transaction requires additional verification before being accepted.
- the merchant payment device 14 sends the transaction record to the payment processing service 12 indicating that the payment processing system 18 can verify the transaction (step 305 ) by contacting the payer mobile device 18 using the process illustrated in FIG.
- step 203 If the merchant payment device 14 verifies at step 304 that the payer identification device 16 has been previously authorized by the payer mobile device 18 for the merchant, the merchant payment device indicates the authorization history in the transaction record to the payment processing service.
- the payment processing service 12 processes the transaction, include checking the authorization history. If the validations succeed, the payment processing service 12 sends to the merchant payment device 14 a message approving the transaction (step 308 ). In embodiments such as this, e.g., where independent location verification is not necessarily used in the authentication step, it is conceivable that the payment identification device 16 and the payer mobile device 18 may be merged into a single device.
- the mobile communications device may provide additional authentication information that is unknown to the merchant and/or the merchant payment device for independent verification in the payment processing system.
- the payer mobile device 18 may also include information about the previous transaction, if any, involving the payer identification device 16 .
- the encrypted authentication information might include one or more of the geolocation, timestamp, merchant identity or transaction amount of the previous transaction, which is data the merchant is unlikely to possess and which ties the authentication information to the current transaction.
- the payer mobile device 18 returns the authentication data to the merchant payment device 14 in an encrypted form not decipherable by the merchant payment device 14 .
- the merchant payment device 14 sends to the payment processing system 12 a transaction record that includes the geolocation of the merchant payment device 14 and the encrypted authentication information provided by the payer mobile device.
- the process at the payment processing end is shown in the flowchart 400 of FIG. 5 .
- the payment processing service 12 receives the transaction record and decrypts the authentication data provided by the payer mobile device 18 (via the merchant payment device 14 ) (step 402 ).
- the payment processing system 12 may verify the authentication data within the payment processing system (step 403 ), for example by retrieving details of the previous transaction from the database 13 and comparing the details with the data provided in the transaction record. In one embodiment, the previous transaction history may be sufficient to approve the transaction, without using the location data (step 404 ).
- the location data may also be such that if the payer mobile device 14 is within the defined acceptable distance from the location reported by the merchant payment device 14 , then the payment processing system 12 may indicate to the merchant payment device 14 that the transaction is approved. Otherwise, if the authentication data fails these or other tests the payment processing service 12 may require additional verification before being accepted.
- the system can reduce the possibility of replaying the encrypted authentication information which may lead to false or fraudulent approval of the transaction.
- the encrypted authentication data provided by the payer mobile device 18 may be supplemented by additional encrypted data from the payer identification device 16 .
- a payer identification device 16 may be provided with geolocation capabilities, such as from an internal GPS receiver which can be provided to the merchant payment device 14 during a transaction.
- merchant payment device sends to the transaction processor a transaction record that includes the encrypted authentication information provided by the payer identification device 16 , and the encrypted authentication information provided by the payer mobile device 18 .
- the payment processing service 12 processes the transaction record, including decrypting the authentication data provided by the payer identification device 16 and payer mobile device 18 .
- the payment processing service may seek additional verification before approving the transaction. If the payment processing service 12 checks succeed, the payment processing service 12 sends to the merchant payment device 14 a message approving the transaction.
- a merchant payment device may include a processor 61 operatively associated with a memory 62 as shown in FIG. 6 .
- the memory 62 may store an instruction set 500 executable by the processor 61 .
- the instruction set 500 shown in FIG. 7 , causes the processor to commence a transaction by reading a payment identification device of a payer (step 501 ).
- a request for authentication information is sent to the mobile communications device (step 503 ) with the authentication information being received from the mobile communications device at step 504 .
- the processor 61 then generates a transaction record incorporating the authentication information (step 505 ) and provides the transaction record to a payment processing system (step 506 ) for subsequent approval.
- the processor 61 of the merchant device may communicate the transaction record to a processor 68 and associated memory 69 of the payment processing system 12 through a suitable communications link 65 .
- the processor 61 of the merchant device and/or the processor 68 of the payment processing system 12 may communicate with a processor and memory of a PayerMobile Device (not shown), for retrieving the required authentication information.
- Embodiments of the system described above can be used to improve authorization confidence for a significant fraction of credit card uses, i.e., when the cardholder presents the physical card to a merchant and for other forms of payer identification devices.
- the system may be used to reduce credit card fraud by reducing the successful use of stolen credit cards, cloned credit cards, or fraudulent merchant card readers.
- the information sent between various modules can be sent between the modules via at least one of a data network, the Internet, an Internet Protocol network, a wireless source, and a wired source and via plurality of protocols.
Abstract
Description
- This disclosure relates to systems and methods for approving commercial transaction such as transactions between a merchant and a payer. In particular, though not exclusively, the disclosure relates to transactions involving credit cards, debit cards, and the like.
- With the exception of cash transactions, most commercial transactions between a merchant and a customer typically use some form of payment identification device such as a credit card, debit card, loyalty card, or the like. Such transactions require approval by the administrator or provider of the payment identification card. Approval may be provided by various means such as a personal identification number, password, or presence of a physical payment authorization device (e.g., credit card). These solutions don't deal effectively with some classes of fraud, such as counterfeit credit cards, and use of a real card using a fraudulent merchant account. In particular, a person frequently traveling to foreign countries must either notify the institution issuing the card before every trip or forgo the crude default protection of disallowing transactions originating in a foreign country.
- What is required is an improved system and method for identifying fraudulent attempts to use a payment authorization device based on the location of the device.
- In one aspect of the disclosure, there is provided a method for approving a transaction between a merchant payment device of a merchant and a payer identification device of a payer. The method comprises identifying the payer from the payer identification device at the merchant payment device, identifying a mobile communications device of the payer, communicating with the mobile communications device to receive a communication from the mobile communications device which indicates authentication data, and determining an approval for the transaction from the authentication data.
- In one aspect of the disclosure, there is provided a payment processing system for approving a transaction between a merchant payment device of a merchant and a payer identification device of a payer. The payment processing system may be configured to receive a transaction record that indicates the payer identification device and the merchant payment device. The payment processing system may also be configured to analyze authentication data from a mobile communications device of the payer, approve the transaction using the authentication data, and indicate the approval of the transaction to the merchant payment device.
- In one aspect of the disclosure, there is provided a computer-readable medium comprising computer executable instructions for execution by a processor of a device, that, when executed, cause the processor to read a payment identification device of a payer, identify a mobile communications device of the payer, request authentication information from the mobile communications device, receive the authentication information from the mobile communications device, generate a transaction record incorporating the authentication information, and provide the transaction record to a payment processing system.
- Reference will now be made, by way of example only, to specific embodiments and to the accompanying drawings in which:
-
FIG. 1 illustrates components of a transaction system of the present disclosure; -
FIG. 2 illustrates a method for approving a transaction; -
FIG. 3 illustrates a method for approving a transaction using location data of a payer mobile device; -
FIG. 4 illustrates a method for approving a transaction using transaction history known to a payer mobile device; -
FIG. 5 illustrates a payment processing system process; -
FIG. 6 illustrates a processor and memory of a merchant payment device in communication with a processor and memory of a payment processing system; and -
FIG. 7 illustrates an instruction set for executing on the merchant payment device processor ofFIG. 6 . - A
system 10 in accordance with an embodiment of the disclosure is illustrated inFIG. 1 . In thesystem 10, there is provided apayment processing system 12 that interacts with amerchant payment device 14 through known communications protocols such as TCP/IP, FTP, EFTPOS etc. During a transaction, a payer, e.g., a customer, may identify apayer identification device 16 to the transaction. The payer identification device may be a credit card, debit card, or other form of account identifier, which in some embodiments, may include a mobile telecommunications device. The merchant payment device 14 (e.g., a credit card reader, a Bluetooth radio) is able to extract from thepayer identification device 16 sufficient information, e.g., account number or card number, to pay the merchant. Themerchant payment device 14 may communicate the payer information to thepayment processing system 12 for verification. Thepayment processing system 12 may include adatabase 13 which stores payer identification including payer name, contact details, account information, credit limit and other required information for verifying transactions of the payer. In any typical legitimate transaction between the payer and the merchant, amobile telecommunications device 18 of the payer will be available. In an embodiment of the disclosure, the ubiquitous nature of mobile devices is taken into account so that the payer's mobile device can be used in the transaction as an additional verification tool. - A method for verifying a transaction using a payer's mobile device is shown in the,
flowchart 100 ofFIG. 2 . Atstep 101, themerchant payment device 14 scans, reads or otherwise identifies thepayer identification device 16. Atstep 102, amobile communications device 18 of the payer is identified, e.g., from data associated with thepayer identification device 16, or from other data provided at the transaction, e.g., by communication direct from the payer. Themerchant payment device 14 contacts the payermobile device 18 to request authentication data (step 103) which is received atstep 104. The authentication data is then used to determine an approval for the transaction (step 105), e.g., by providing the authentication data to apayment processing system 12. - The authentication data may take several forms, including the location of the payer mobile device or previous transaction history of the payer, known to the payer mobile device, which may or may not be known to the merchant payment device.
- The authentication data may be provided from the payer mobile device to the payment processing service or to the merchant payment device and via any necessary intermediaries such as routers, network providers and the like.
- The method described in
FIG. 2 may be used to tie validation and authorization of a payment transaction to the locations of the entities involved. That is, the method may extend transaction authorization to include geolocation information. If the payer identification device 16 (credit card, debit card, cell phone acting as a credit card, etc.) is present, the geolocation of the payermobile device 18 is compared during the card processor's authorization processing to other geolocation information, such as the location of the merchant's store, to establish that the person authorized to execute the transaction is in approximately the same location as thepayer identification device 16. In simple terms, if the authorized card holder isn't near the card reader, the transaction should either be declined or additional identity confirmation should be conducted. - In one embodiment, illustrated in the
flowchart 200 ofFIG. 3 , themerchant payment device 14 may be used to read thepayer identification device 16 to pay a merchant (step 201).Themerchant payment device 14 sends to the payment processing system 12 a transaction record (step 202) which identifies thepayer identification device 16, themerchant payment device 14 and other details of the transaction such as the amount, time, etc. The transaction record maybe used to determine a geolocation of the merchant payment device (step 203). In one embodiment, the location of themerchant payment device 14 may be known locally in thepayment processing system 12, e.g., stored in alocal database 13, and may be retrieved from thedatabase 13 using an identity of the merchant or themerchant payment device 14. In an alternative embodiment, in particular where themerchant payment device 14 may be mobile, the transaction record may include the geolocation of themerchant payment device 14, e.g., as determined by an internal GPS system of themerchant payment device 14 or other location determination system. - At
step 204, themerchant payment device 14 may identify themobile communications device 18 and request the current location of the mobile communications device 18 (step 205) which is received atstep 206 and added to the transaction record. In an alternative embodiment, thedatabase 13 of thepayment processing system 12 may store contact details for themobile communications device 18 such thatsteps - In one embodiment, the payer
mobile device 18 may provide location information without user input. In an alternative embodiment, a message, such as an SMS message may be sent to the payer'smobile device 18, requiring an SMS response from the payer, with the location of the payermobile device 18 being extracted from the response SMS message. If the payermobile device 18 is within an acceptable distance from the location reported by themerchant payment device 14, themerchant payment device 14 is sent a message approving the transaction (step 207). The acceptable distance may depend on the transaction environment. For example, transactions with merchants where the payer may often be in a car, such as in a drive-through premises, may allow a greater distance than transactions where customers are generally slower or more stationary. Typical allowable distances are considered to be 100 feet for a casual restaurant, 20 feet for a retail store, and 10 feet for a fast food restaurant. The typical distance for each merchant is stored in the Payment Processing Servicedatabase 13. - In one embodiment, the transaction record may be complete when first sent from the
merchant payment device 14 to thepayment processing system 12. This has the advantage that a location of themobile communications device 18 and themerchant payment device 14 are known at the immediate time of the transaction. However, the transaction record may also be sent in multiple stages. For example, thepayment processing system 12 may separately query themerchant payment device 14 for its current location, which themerchant payment device 14 may add to the transaction record in response to the query. - In one embodiment illustrated in the
flowchart 300 ofFIG. 4 , themerchant payment device 14 is used to read the payer identification device to pay a merchant (step 301). Themerchant payment device 14 looks for the payer mobile device 18 (step 302) (e.g., cell phone, PDA, MID, etc.) and connects to the payer mobile device 18 (step 303), which communicates a previous transaction history, such as an authentication history for the merchant payment device 14 (step 304). If the payermobile device 18 is not present or the registration check fails, the transaction requires additional verification before being accepted. Themerchant payment device 14 sends the transaction record to thepayment processing service 12 indicating that thepayment processing system 18 can verify the transaction (step 305) by contacting the payermobile device 18 using the process illustrated inFIG. 3 (from step 203). If themerchant payment device 14 verifies at step 304 that thepayer identification device 16 has been previously authorized by the payermobile device 18 for the merchant, the merchant payment device indicates the authorization history in the transaction record to the payment processing service. Thepayment processing service 12 processes the transaction, include checking the authorization history. If the validations succeed, thepayment processing service 12 sends to the merchant payment device 14 a message approving the transaction (step 308). In embodiments such as this, e.g., where independent location verification is not necessarily used in the authentication step, it is conceivable that thepayment identification device 16 and the payermobile device 18 may be merged into a single device. - In one embodiment, the mobile communications device may provide additional authentication information that is unknown to the merchant and/or the merchant payment device for independent verification in the payment processing system. When the
merchant payment device 14 queries the payermobile device 18 for the payer mobile device's authentication information, in addition to providing the payer mobile device's most recent location, the payermobile device 18 may also include information about the previous transaction, if any, involving thepayer identification device 16. For example, the encrypted authentication information might include one or more of the geolocation, timestamp, merchant identity or transaction amount of the previous transaction, which is data the merchant is unlikely to possess and which ties the authentication information to the current transaction. The payermobile device 18 returns the authentication data to themerchant payment device 14 in an encrypted form not decipherable by themerchant payment device 14. Themerchant payment device 14 sends to the payment processing system 12 a transaction record that includes the geolocation of themerchant payment device 14 and the encrypted authentication information provided by the payer mobile device. The process at the payment processing end is shown in theflowchart 400 ofFIG. 5 . Atstep 401, thepayment processing service 12 receives the transaction record and decrypts the authentication data provided by the payer mobile device 18 (via the merchant payment device 14) (step 402). Thepayment processing system 12 may verify the authentication data within the payment processing system (step 403), for example by retrieving details of the previous transaction from thedatabase 13 and comparing the details with the data provided in the transaction record. In one embodiment, the previous transaction history may be sufficient to approve the transaction, without using the location data (step 404). Alternatively, the location data may also be such that if the payermobile device 14 is within the defined acceptable distance from the location reported by themerchant payment device 14, then thepayment processing system 12 may indicate to themerchant payment device 14 that the transaction is approved. Otherwise, if the authentication data fails these or other tests thepayment processing service 12 may require additional verification before being accepted. By providing additional encrypted authentication information unknown to themerchant payment device 14 and incorporating the encrypted data in the transaction record, the system can reduce the possibility of replaying the encrypted authentication information which may lead to false or fraudulent approval of the transaction. - In one embodiment, the encrypted authentication data provided by the payer
mobile device 18 may be supplemented by additional encrypted data from thepayer identification device 16. For example, apayer identification device 16 may be provided with geolocation capabilities, such as from an internal GPS receiver which can be provided to themerchant payment device 14 during a transaction. To reduce the possibility of replaying the encrypted authentication information, merchant payment device sends to the transaction processor a transaction record that includes the encrypted authentication information provided by thepayer identification device 16, and the encrypted authentication information provided by the payermobile device 18. Thepayment processing service 12 processes the transaction record, including decrypting the authentication data provided by thepayer identification device 16 and payermobile device 18. If either thepayer identification device 16 or the payermobile device 18 is outside the acceptable distance from the location reported by themerchant payment device 14, or the authentication data fails some other test, the payment processing service may seek additional verification before approving the transaction. If thepayment processing service 12 checks succeed, thepayment processing service 12 sends to the merchant payment device 14 a message approving the transaction. - The components of the
system 10 may be embodied in hardware, software, firmware or a combination of hardware, software and/or firmware. In a hardware embodiment, a merchant payment device may include aprocessor 61 operatively associated with amemory 62 as shown inFIG. 6 . Thememory 62 may store aninstruction set 500 executable by theprocessor 61. When executed, theinstruction set 500, shown inFIG. 7 , causes the processor to commence a transaction by reading a payment identification device of a payer (step 501). After identifying a mobile communications device of the payer (step 502), a request for authentication information is sent to the mobile communications device (step 503) with the authentication information being received from the mobile communications device atstep 504. Theprocessor 61 then generates a transaction record incorporating the authentication information (step 505) and provides the transaction record to a payment processing system (step 506) for subsequent approval. - As shown in
FIG. 6 , theprocessor 61 of the merchant device may communicate the transaction record to aprocessor 68 and associatedmemory 69 of thepayment processing system 12 through a suitable communications link 65. In addition, theprocessor 61 of the merchant device and/or theprocessor 68 of thepayment processing system 12 may communicate with a processor and memory of a PayerMobile Device (not shown), for retrieving the required authentication information. - Embodiments of the system described above can be used to improve authorization confidence for a significant fraction of credit card uses, i.e., when the cardholder presents the physical card to a merchant and for other forms of payer identification devices. Thus, the system may be used to reduce credit card fraud by reducing the successful use of stolen credit cards, cloned credit cards, or fraudulent merchant card readers.
- Although embodiments of the present invention have been illustrated in the accompanied drawings and described in the foregoing description, it will be understood that the invention is not limited to the embodiments disclosed, but is capable of numerous rearrangements, modifications, and substitutions without departing from the spirit of the invention as set forth and defined by the following claims. For example, the capabilities of the invention can be performed fully and/or partially by one or more of the blocks, modules, processors or memories. Also, these capabilities may be performed in the current manner or in a distributed manner and on, or via, any device able to provide and/or receive information. Further, although depicted in a particular manner, various modules or blocks may be repositioned without departing from the scope of the current invention. Still further, although depicted in a particular manner, a greater or lesser number of modules and connections can be utilized with the present invention in order to accomplish the present invention, to provide additional known features to the present invention, and/or to make the present invention more efficient. Also, the information sent between various modules can be sent between the modules via at least one of a data network, the Internet, an Internet Protocol network, a wireless source, and a wired source and via plurality of protocols.
Claims (29)
Priority Applications (11)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US12/629,937 US20110137804A1 (en) | 2009-12-03 | 2009-12-03 | System and method for approving transactions |
CN2010800551269A CN102640177A (en) | 2009-12-03 | 2010-11-05 | System and method for approving transactions |
EP10779606.2A EP2507754B1 (en) | 2009-12-03 | 2010-11-05 | System and method for approving transactions |
PCT/US2010/055620 WO2011068624A2 (en) | 2009-12-03 | 2010-11-05 | System and method for approving transactions |
BR112012013347A BR112012013347A2 (en) | 2009-12-03 | 2010-11-05 | transaction approval system and process |
KR1020127014124A KR101437248B1 (en) | 2009-12-03 | 2010-11-05 | System and method for approving transactions |
EP21192667.0A EP3929850A1 (en) | 2009-12-03 | 2010-11-05 | System and method for approving transactions |
JP2012542022A JP5513626B2 (en) | 2009-12-03 | 2010-11-05 | System and method for approving transactions |
US15/828,089 US20180083787A1 (en) | 2009-12-03 | 2017-11-30 | System and method for approving transactions |
US17/206,689 US11831791B2 (en) | 2009-12-03 | 2021-03-19 | System and method for approving transactions |
US18/495,303 US20240056315A1 (en) | 2009-12-03 | 2023-10-26 | System and method for approving transactions |
Applications Claiming Priority (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US12/629,937 US20110137804A1 (en) | 2009-12-03 | 2009-12-03 | System and method for approving transactions |
Related Child Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
US15/828,089 Division US20180083787A1 (en) | 2009-12-03 | 2017-11-30 | System and method for approving transactions |
Publications (1)
Publication Number | Publication Date |
---|---|
US20110137804A1 true US20110137804A1 (en) | 2011-06-09 |
Family
ID=44082964
Family Applications (4)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
US12/629,937 Abandoned US20110137804A1 (en) | 2009-12-03 | 2009-12-03 | System and method for approving transactions |
US15/828,089 Abandoned US20180083787A1 (en) | 2009-12-03 | 2017-11-30 | System and method for approving transactions |
US17/206,689 Active US11831791B2 (en) | 2009-12-03 | 2021-03-19 | System and method for approving transactions |
US18/495,303 Pending US20240056315A1 (en) | 2009-12-03 | 2023-10-26 | System and method for approving transactions |
Family Applications After (3)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
US15/828,089 Abandoned US20180083787A1 (en) | 2009-12-03 | 2017-11-30 | System and method for approving transactions |
US17/206,689 Active US11831791B2 (en) | 2009-12-03 | 2021-03-19 | System and method for approving transactions |
US18/495,303 Pending US20240056315A1 (en) | 2009-12-03 | 2023-10-26 | System and method for approving transactions |
Country Status (7)
Country | Link |
---|---|
US (4) | US20110137804A1 (en) |
EP (2) | EP3929850A1 (en) |
JP (1) | JP5513626B2 (en) |
KR (1) | KR101437248B1 (en) |
CN (1) | CN102640177A (en) |
BR (1) | BR112012013347A2 (en) |
WO (1) | WO2011068624A2 (en) |
Cited By (102)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US20110212735A1 (en) * | 2010-03-01 | 2011-09-01 | Mark Buer | Method and system for seamless consummation of an electronic transaction based on location related data |
US20110238474A1 (en) * | 2010-03-23 | 2011-09-29 | Michael Carr | Converged Web-identity and Mobile Device Based Shopping |
US20120084177A1 (en) * | 2010-09-30 | 2012-04-05 | Ebay Inc. | Location based transactions |
US20120158545A1 (en) * | 2010-12-20 | 2012-06-21 | Ebay, Inc. | Mobile on-the-spot shopping and payments |
US20120221464A1 (en) * | 2011-02-28 | 2012-08-30 | Research In Motion Limited | Communications system for performing secure transactions based upon mobile wireless communications device proximity and related methods |
US20120254940A1 (en) * | 2011-03-31 | 2012-10-04 | Ebay Inc. | Authenticating online users with distorted challenges based on transaction histories |
US20130031004A1 (en) * | 2010-10-13 | 2013-01-31 | Jack Dorsey | Payment methods with a payment service and tabs selected by a first party and opened by a second party at any geographic location of the first partys mobile device |
US20130041823A1 (en) * | 2011-08-08 | 2013-02-14 | Kim Wagner | Payment Card with Integrated Chip |
US20130046692A1 (en) * | 2011-08-19 | 2013-02-21 | Bank Of America Corporation | Fraud protection with user location verification |
US20130080219A1 (en) * | 2011-09-26 | 2013-03-28 | First Data Corporation | Systems and Methods for Providing Value Added Services in Association with Payment Transactions |
US20130117155A1 (en) * | 2011-11-04 | 2013-05-09 | Michael Laine Glasgo | Transaction validation by location based services (LBS) |
US20130152155A1 (en) * | 2011-12-09 | 2013-06-13 | Verizon Patent And Licensing Inc. | Providing user attributes to complete an online transaction |
US20130267200A1 (en) * | 2012-04-10 | 2013-10-10 | Accells Technologies (2009), Ltd. | System and method for secure transaction process via mobile device |
US20130290176A1 (en) * | 2012-04-26 | 2013-10-31 | Ebay, Inc. | Transaction service purchase options via a payment provider |
US8655773B1 (en) * | 2012-01-26 | 2014-02-18 | Intuit Inc. | Geo-location based underwriting |
US20140058805A1 (en) * | 2012-08-24 | 2014-02-27 | Sap Ag | Remotely authorizing a purchase from a head unit of a vehicle |
US20140067570A1 (en) * | 2011-10-01 | 2014-03-06 | Uttam Sengupta | System and method for mobile point of sale |
US20140244504A1 (en) * | 2013-02-27 | 2014-08-28 | Mastercard International Incorporated | Methods and systems for processing electronic transactions and managing vehicle costs |
US20140245391A1 (en) * | 2011-10-31 | 2014-08-28 | Money And Data Protection Lizenz Gmbh & Co. Kg | Authentication Method |
US20140279538A1 (en) * | 2013-03-14 | 2014-09-18 | Telcom Ventures, Llc | Systems, methods, and devices for verifying a user identity and/or enabling/disabling an action, using a current and/or previous user location |
US20140279490A1 (en) * | 2013-03-13 | 2014-09-18 | Bank Of America Corporation | Automated teller machine (atm) user location verification |
US8847733B2 (en) | 2011-05-20 | 2014-09-30 | Mastercard International Incorporated | Methods, systems, and computer-readable storage media for managing risk using location, mobile, and user participating-based identity verification |
WO2014164284A1 (en) * | 2013-03-12 | 2014-10-09 | Mastercard International Incorporated | Method and system of detecting and using geofencing for fraud detection and modeling |
US20140304165A1 (en) * | 2011-08-17 | 2014-10-09 | Lookout, Inc. | Mobile communications device payment method utilizing location information |
US20140365377A1 (en) * | 2013-06-10 | 2014-12-11 | The Toronto-Dominion Bank | High fraud risk transaction authorization |
US20150205919A1 (en) * | 2014-01-22 | 2015-07-23 | Children's Hospital & Research Center At Oakland | Method and system to provide patient information and facilitate care of a patient |
JP2015521304A (en) * | 2012-04-06 | 2015-07-27 | マイクロソフト コーポレーション | Transaction authentication between mobile communication devices and terminals using location data |
WO2015114215A1 (en) * | 2014-01-31 | 2015-08-06 | Idcontrol Oy | Authentication system and method for authenticating a user |
US20150262163A1 (en) * | 2012-10-05 | 2015-09-17 | Alcatel Lucent | Cloud based payment method |
US9152971B2 (en) | 2012-09-26 | 2015-10-06 | Paypal, Inc. | Dynamic mobile seller routing |
CN105049611A (en) * | 2015-06-29 | 2015-11-11 | 深圳国微技术有限公司 | Payment device searching method and payment device searching device |
US9208301B2 (en) | 2014-02-07 | 2015-12-08 | Bank Of America Corporation | Determining user authentication requirements based on the current location of the user in comparison to the users's normal boundary of location |
US9213974B2 (en) * | 2014-02-07 | 2015-12-15 | Bank Of America Corporation | Remote revocation of application access based on non-co-location of a transaction vehicle and a mobile device |
US9223951B2 (en) | 2014-02-07 | 2015-12-29 | Bank Of America Corporation | User authentication based on other applications |
WO2016034543A1 (en) * | 2014-09-04 | 2016-03-10 | Mastercard International Incorporated | Method and system for facilitating a transaction |
US9286450B2 (en) | 2014-02-07 | 2016-03-15 | Bank Of America Corporation | Self-selected user access based on specific authentication types |
US9305149B2 (en) | 2014-02-07 | 2016-04-05 | Bank Of America Corporation | Sorting mobile banking functions into authentication buckets |
CN105474224A (en) * | 2013-08-26 | 2016-04-06 | 苹果公司 | Secure provisioning of credentials on an electronic device |
US9313190B2 (en) | 2014-02-07 | 2016-04-12 | Bank Of America Corporation | Shutting down access to all user accounts |
US9317673B2 (en) | 2014-02-07 | 2016-04-19 | Bank Of America Corporation | Providing authentication using previously-validated authentication credentials |
US9317674B2 (en) | 2014-02-07 | 2016-04-19 | Bank Of America Corporation | User authentication based on fob/indicia scan |
US9331994B2 (en) | 2014-02-07 | 2016-05-03 | Bank Of America Corporation | User authentication based on historical transaction data |
US9436955B2 (en) | 2009-06-10 | 2016-09-06 | Square, Inc. | Methods for transferring funds using a payment service where financial account information is only entered once with a payment service and need not be re-entered for future transfers |
US9454866B2 (en) | 2010-10-13 | 2016-09-27 | Square, Inc. | Method of conducting financial transactions where a payer's financial account information is entered only once with a payment system |
US9519934B2 (en) | 2013-07-19 | 2016-12-13 | Bank Of America Corporation | Restricted access to online banking |
WO2017031087A1 (en) | 2015-08-14 | 2017-02-23 | Visa International Service Association | System and method for location determination using mesh routing |
US9600844B2 (en) | 2014-03-04 | 2017-03-21 | Bank Of America Corporation | Foreign cross-issued token |
US9600817B2 (en) | 2014-03-04 | 2017-03-21 | Bank Of America Corporation | Foreign exchange token |
US20170103382A1 (en) * | 2015-10-07 | 2017-04-13 | Samsung Electronics Co., Ltd. | Method of providing payment service and electronic device for implementing same |
US9639836B2 (en) | 2014-03-04 | 2017-05-02 | Bank Of America Corporation | Online banking digital wallet management |
US9641539B1 (en) | 2015-10-30 | 2017-05-02 | Bank Of America Corporation | Passive based security escalation to shut off of application based on rules event triggering |
US9647999B2 (en) | 2014-02-07 | 2017-05-09 | Bank Of America Corporation | Authentication level of function bucket based on circumstances |
US9646342B2 (en) | 2013-07-19 | 2017-05-09 | Bank Of America Corporation | Remote control for online banking |
US9721248B2 (en) | 2014-03-04 | 2017-08-01 | Bank Of America Corporation | ATM token cash withdrawal |
US9729536B2 (en) | 2015-10-30 | 2017-08-08 | Bank Of America Corporation | Tiered identification federated authentication network system |
US9781105B2 (en) | 2015-05-04 | 2017-10-03 | Ping Identity Corporation | Fallback identity authentication techniques |
US9820148B2 (en) | 2015-10-30 | 2017-11-14 | Bank Of America Corporation | Permanently affixed un-decryptable identifier associated with mobile device |
US9830597B2 (en) | 2014-03-04 | 2017-11-28 | Bank Of America Corporation | Formation and funding of a shared token |
US9830594B2 (en) | 2011-05-17 | 2017-11-28 | Ping Identity Corporation | System and method for performing a secure transaction |
US9886688B2 (en) | 2011-08-31 | 2018-02-06 | Ping Identity Corporation | System and method for secure transaction process via mobile device |
WO2018035024A1 (en) * | 2016-08-18 | 2018-02-22 | Visa International Service Association | Systems and methods for enhanced authorization response |
US9965606B2 (en) | 2014-02-07 | 2018-05-08 | Bank Of America Corporation | Determining user authentication based on user/device interaction |
US9965768B1 (en) | 2011-05-19 | 2018-05-08 | Amazon Technologies, Inc. | Location-based mobile advertising |
US9971885B2 (en) | 2014-02-07 | 2018-05-15 | Bank Of America Corporation | Determining user authentication requirements based on the current location of the user being within a predetermined area requiring altered authentication requirements |
US10021565B2 (en) | 2015-10-30 | 2018-07-10 | Bank Of America Corporation | Integrated full and partial shutdown application programming interface |
US20180276652A1 (en) * | 2015-09-03 | 2018-09-27 | Dionisios A. Sofronas | Contactless mobile payment system |
US10242351B1 (en) | 2014-05-07 | 2019-03-26 | Square, Inc. | Digital wallet for groups |
US10268635B2 (en) | 2016-06-17 | 2019-04-23 | Bank Of America Corporation | System for data rotation through tokenization |
US20190164184A1 (en) * | 2014-12-29 | 2019-05-30 | Comenity Llc | Collecting and analyzing data from a mobile device |
US10313480B2 (en) | 2017-06-22 | 2019-06-04 | Bank Of America Corporation | Data transmission between networked resources |
US10332110B2 (en) | 2012-02-28 | 2019-06-25 | Barclays Services Limited | System and method for authenticating a payment transaction |
US10373166B2 (en) | 2013-05-24 | 2019-08-06 | Marc George | System for managing personal identifiers and financial instrument use |
US10373246B1 (en) * | 2011-12-06 | 2019-08-06 | West Corporation | Method and apparatus of providing enhanced authentication and security for financial institution transactions |
US10404830B2 (en) | 2014-12-09 | 2019-09-03 | Alibaba Group Holding Limited | Service processing method and apparatus, and service server |
US10402798B1 (en) | 2014-05-11 | 2019-09-03 | Square, Inc. | Open tab transactions |
US10460309B2 (en) * | 2014-09-24 | 2019-10-29 | Alibaba Group Holding Limited | Payment verification method, apparatus and system |
US10460367B2 (en) | 2016-04-29 | 2019-10-29 | Bank Of America Corporation | System for user authentication based on linking a randomly generated number to the user and a physical item |
US10511692B2 (en) | 2017-06-22 | 2019-12-17 | Bank Of America Corporation | Data transmission to a networked resource based on contextual information |
US10524165B2 (en) | 2017-06-22 | 2019-12-31 | Bank Of America Corporation | Dynamic utilization of alternative resources based on token association |
AU2013263803B2 (en) * | 2012-11-28 | 2020-04-09 | Nowww.Us Pty Limited | A secure processing system for use with a portable communication device |
US10621658B1 (en) | 2015-01-15 | 2020-04-14 | Wells Fargo Bank, N.A. | Identity verification services with identity score through external entities via application programming interface |
US10937025B1 (en) * | 2015-01-15 | 2021-03-02 | Wells Fargo Bank, N.A. | Payment services via application programming interface |
US10990974B1 (en) | 2015-01-15 | 2021-04-27 | Wells Fargo Bank, N.A. | Identity verification services and user information provision via application programming interface |
US10997654B1 (en) | 2015-01-15 | 2021-05-04 | Wells Fargo Bank, N.A. | Identity verification services through external entities via application programming interface |
US11017376B1 (en) * | 2015-12-28 | 2021-05-25 | Wells Fargo Bank, N.A. | Mobile device-based dual custody verification using micro-location |
US20210166238A1 (en) * | 2012-06-19 | 2021-06-03 | OnDot Systems, Inc. | Enriching transaction request data for maintaining location privacy while improving fraud prevention systems on a data communication network with user controls injected to back-end transaction approval requests in real-time with transactions |
US11044092B1 (en) | 2019-06-21 | 2021-06-22 | Wells Fargo Bank, N.A. | Secure communications via third-party systems through frames |
US20210192503A1 (en) * | 2018-03-16 | 2021-06-24 | Advanced New Technologies Co., Ltd. | Payment method, apparatus and device |
US11093912B1 (en) | 2018-12-10 | 2021-08-17 | Wells Fargo Bank, N.A. | Third-party payment interfaces |
US11106515B1 (en) | 2017-12-28 | 2021-08-31 | Wells Fargo Bank, N.A. | Systems and methods for multi-platform product integration |
US11200306B1 (en) | 2021-02-25 | 2021-12-14 | Telcom Ventures, Llc | Methods, devices, and systems for authenticating user identity for location-based deliveries |
US11263615B2 (en) | 2019-03-01 | 2022-03-01 | Visa International Service Association | System, method, and computer program product for authentication by augmented reality for fraud prevention |
US11321699B2 (en) * | 2019-04-15 | 2022-05-03 | Gurunavi, Inc. | Payment support system, payment support method, and non-transitory recording medium |
US11410156B2 (en) | 2017-06-30 | 2022-08-09 | Huawei Technologies Co., Ltd. | NFC payment method and terminal |
US20220322031A1 (en) * | 2017-09-15 | 2022-10-06 | Intel Corporation | Proof of location using proximity records and distributed ledger |
US11514426B2 (en) * | 2014-12-19 | 2022-11-29 | Capital One Services, Llc | Systems and methods for contactless and secure data transfer |
US11587063B1 (en) * | 2016-07-06 | 2023-02-21 | United Services Automobile Association (Usaa) | Automated proximity fraud account lock systems and methods |
US11636489B2 (en) | 2013-10-19 | 2023-04-25 | Ondot Systems Inc. | System and method for authorizing a transaction based on dynamic location updates from a user device |
US11676126B1 (en) | 2017-12-28 | 2023-06-13 | Wells Fargo Bank, N.A. | Account open interfaces |
US11831791B2 (en) | 2009-12-03 | 2023-11-28 | Ol Security Limited Liability Company | System and method for approving transactions |
US11836727B1 (en) | 2020-12-04 | 2023-12-05 | Wells Fargo Bank, N.A. | Location based transaction authentication |
US11899711B2 (en) | 2012-06-19 | 2024-02-13 | Ondot Systems Inc. | Merchant logo detection artificial intelligence (AI) for injecting user control to ISO back-end transaction approvals between acquirer processors and issuer processors over data communication networks |
Families Citing this family (17)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
GB2485139A (en) | 2010-10-22 | 2012-05-09 | Vodafone Ip Licensing Ltd | Analysing and securing mobile based transactions |
CN103546878B (en) * | 2012-07-12 | 2016-09-21 | 财付通支付科技有限公司 | The control method of mobile data terminal and system |
EP2983120A4 (en) * | 2013-05-31 | 2016-05-25 | Huawei Tech Co Ltd | Transfer information processing method and device |
WO2015081738A1 (en) * | 2013-12-04 | 2015-06-11 | 天地融科技股份有限公司 | Method and smart card for processing transaction data |
IL229832A (en) * | 2013-12-05 | 2016-06-30 | Google Inc | Determining merchant identity for received merchant identifiers |
CN104767717B (en) * | 2014-01-03 | 2019-01-29 | 腾讯科技(深圳)有限公司 | Auth method and device |
AU2015253182B2 (en) * | 2014-05-01 | 2019-02-14 | Visa International Service Association | Data verification using access device |
CN105450417B (en) * | 2014-09-01 | 2020-02-11 | 阿里巴巴集团控股有限公司 | User behavior verification method and device under mobile scene |
US9292875B1 (en) * | 2014-09-23 | 2016-03-22 | Sony Corporation | Using CE device record of E-card transactions to reconcile bank record |
CN105592002B (en) * | 2014-10-21 | 2019-09-17 | 腾讯科技(深圳)有限公司 | A kind of processing method and processing device of virtual resource data |
CN106296187A (en) * | 2015-06-03 | 2017-01-04 | 深圳卡通新技术有限公司 | A kind of electronic payment safety control method and system |
CN105931035A (en) * | 2015-08-18 | 2016-09-07 | 中国银联股份有限公司 | Payment mark generation method and device |
EP3414869B1 (en) * | 2016-02-12 | 2021-07-21 | Visa International Service Association | Authentication systems and methods using location matching |
US20170293913A1 (en) * | 2016-04-12 | 2017-10-12 | The Governing Council Of The University Of Toronto | System and methods for validating and performing operations on homomorphically encrypted data |
WO2018078745A1 (en) * | 2016-10-26 | 2018-05-03 | 楽天株式会社 | Payment system, payment method, and program |
CN110189479A (en) * | 2019-06-03 | 2019-08-30 | 苏州随身玩信息技术有限公司 | A kind of explanation triggering method and explanation equipment |
CN113496402A (en) * | 2020-04-01 | 2021-10-12 | 黑杰克科技有限公司 | Method and device for inputting code scanning payment amount, storage medium and terminal equipment |
Citations (15)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US20010034707A1 (en) * | 2000-04-25 | 2001-10-25 | Nec Corporation | Card utilization approval method, card settlement system and card authentication and settlement processing device |
US20030182194A1 (en) * | 2002-02-06 | 2003-09-25 | Mark Choey | Method and system of transaction card fraud mitigation utilizing location based services |
US20040019564A1 (en) * | 2002-07-26 | 2004-01-29 | Scott Goldthwaite | System and method for payment transaction authentication |
US20070011099A1 (en) * | 2005-07-11 | 2007-01-11 | Conrad Sheehan | SECURE ELECTRONIC TRANSACTIONS BETWEEN A MOBILE DEVICE AND OTHER MOBILE, FIXED, or VIRTUAL DEVICES |
US20070022058A1 (en) * | 2002-08-08 | 2007-01-25 | Fujitsu Limited | Wireless computer wallet for physical point of sale (POS) transactions |
US20070174082A1 (en) * | 2005-12-12 | 2007-07-26 | Sapphire Mobile Systems, Inc. | Payment authorization using location data |
US20070184818A1 (en) * | 2005-02-28 | 2007-08-09 | Research In Motion Limited | Method and system for enhanced security using location based wireless authentication |
US20080077534A1 (en) * | 2004-01-14 | 2008-03-27 | Ktfreetel Co., Ltd. | Certification Mobile Terminal and Electronic Commerce System and Method Using the Same |
US20080183622A1 (en) * | 2007-01-30 | 2008-07-31 | Phil Dixon | Signature based negative list for off line payment device validation |
US20080222038A1 (en) * | 2005-07-05 | 2008-09-11 | Tomer Eden | Location Based Authentication System |
US20080319914A1 (en) * | 2000-12-01 | 2008-12-25 | Carrott Richard F | Transactional security over a network |
US20090143104A1 (en) * | 2007-09-21 | 2009-06-04 | Michael Loh | Wireless smart card and integrated personal area network, near field communication and contactless payment system |
US20090206157A1 (en) * | 2005-04-26 | 2009-08-20 | Bpriv, Llc | Method and system for authenticating use of item |
US20090265552A1 (en) * | 2008-03-28 | 2009-10-22 | Celltrust Corporation | Systems and methods for secure short messaging service and multimedia messaging service |
US20140200957A1 (en) * | 2013-01-16 | 2014-07-17 | Iqua Technologies Pty Ltd | System and method for determining customer preferences |
Family Cites Families (23)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US5991411A (en) * | 1996-10-08 | 1999-11-23 | International Business Machines Corporation | Method and means for limiting adverse use of counterfeit credit cards, access badges, electronic accounts or the like |
IL128720A (en) | 1999-02-25 | 2009-06-15 | Cidway Technologies Ltd | Method for certification of over the phone transactions |
WO2001080191A1 (en) | 2000-04-17 | 2001-10-25 | Robert Kaplan | Method and apparatus for transferring or receiving data via the internet securely |
KR20030022876A (en) * | 2000-07-28 | 2003-03-17 | 아메리칸 캘카어 인코포레이티드 | Technique for effective organization and communication of information |
JP2002163584A (en) * | 2000-11-24 | 2002-06-07 | Fujitsu Ltd | Method for card settlement using portable information terminal and its system |
JP2002269350A (en) * | 2001-03-14 | 2002-09-20 | Hitachi Ltd | Transaction settlement method, transaction settlement system and portable communication terminal used therefor and settlement terminal for member store |
KR20010110280A (en) * | 2001-11-21 | 2001-12-12 | 임춘환 | Credit card and on-line financial business method using on Position Information of Mobile Communication Terminal |
US7336973B2 (en) * | 2002-10-30 | 2008-02-26 | Way Systems, Inc | Mobile communication device equipped with a magnetic stripe reader |
JP2004240725A (en) * | 2003-02-06 | 2004-08-26 | Mitsubishi Electric Corp | Settlement processing system |
KR100497223B1 (en) * | 2003-03-05 | 2005-06-23 | 포인트아이 주식회사 | Method and System for Providing Location-Based Credit Card Authentication Service |
US7548886B2 (en) * | 2003-06-12 | 2009-06-16 | International Business Machines Corporation | System and method for early detection and prevention of identity theft |
JP2005229278A (en) * | 2004-02-12 | 2005-08-25 | Fuji Photo Film Co Ltd | Authentication apparatus and method, and program |
KR100930457B1 (en) * | 2004-08-25 | 2009-12-08 | 에스케이 텔레콤주식회사 | Authentication and payment system and method using mobile communication terminal |
KR20060025495A (en) * | 2004-09-16 | 2006-03-21 | 에스케이 텔레콤주식회사 | System and method for notifying credit card transaction information by using location of mobile terminal |
JP2006164035A (en) * | 2004-12-09 | 2006-06-22 | Nec Corp | Credit card settlement system and credit card settlement method |
WO2006109574A1 (en) * | 2005-04-07 | 2006-10-19 | Matsushita Electric Industrial Co., Ltd. | False use preventing method of electronic money, electronic money settling system, mobile terminal, and electronic settling device |
US8656458B2 (en) | 2005-08-25 | 2014-02-18 | Guy Heffez | Method and system for authenticating internet user identity |
US8924295B2 (en) * | 2007-01-03 | 2014-12-30 | At&T Intellectual Property I, L.P. | User terminal location based credit card authorization servers, systems, methods and computer program products |
US20090094126A1 (en) * | 2007-10-03 | 2009-04-09 | Patrick Killian | Dual use point of sale terminal and methods of operating same |
US20090106160A1 (en) * | 2007-10-19 | 2009-04-23 | First Data Corporation | Authorizations for mobile contactless payment transactions |
US20090119170A1 (en) * | 2007-10-25 | 2009-05-07 | Ayman Hammad | Portable consumer device including data bearing medium including risk based benefits |
US10068282B2 (en) * | 2009-06-24 | 2018-09-04 | Uniloc 2017 Llc | System and method for preventing multiple online purchases |
US20110137804A1 (en) | 2009-12-03 | 2011-06-09 | Recursion Software, Inc. | System and method for approving transactions |
-
2009
- 2009-12-03 US US12/629,937 patent/US20110137804A1/en not_active Abandoned
-
2010
- 2010-11-05 CN CN2010800551269A patent/CN102640177A/en active Pending
- 2010-11-05 JP JP2012542022A patent/JP5513626B2/en active Active
- 2010-11-05 BR BR112012013347A patent/BR112012013347A2/en not_active Application Discontinuation
- 2010-11-05 WO PCT/US2010/055620 patent/WO2011068624A2/en active Application Filing
- 2010-11-05 EP EP21192667.0A patent/EP3929850A1/en active Pending
- 2010-11-05 EP EP10779606.2A patent/EP2507754B1/en active Active
- 2010-11-05 KR KR1020127014124A patent/KR101437248B1/en active IP Right Grant
-
2017
- 2017-11-30 US US15/828,089 patent/US20180083787A1/en not_active Abandoned
-
2021
- 2021-03-19 US US17/206,689 patent/US11831791B2/en active Active
-
2023
- 2023-10-26 US US18/495,303 patent/US20240056315A1/en active Pending
Patent Citations (15)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US20010034707A1 (en) * | 2000-04-25 | 2001-10-25 | Nec Corporation | Card utilization approval method, card settlement system and card authentication and settlement processing device |
US20080319914A1 (en) * | 2000-12-01 | 2008-12-25 | Carrott Richard F | Transactional security over a network |
US20030182194A1 (en) * | 2002-02-06 | 2003-09-25 | Mark Choey | Method and system of transaction card fraud mitigation utilizing location based services |
US20040019564A1 (en) * | 2002-07-26 | 2004-01-29 | Scott Goldthwaite | System and method for payment transaction authentication |
US20070022058A1 (en) * | 2002-08-08 | 2007-01-25 | Fujitsu Limited | Wireless computer wallet for physical point of sale (POS) transactions |
US20080077534A1 (en) * | 2004-01-14 | 2008-03-27 | Ktfreetel Co., Ltd. | Certification Mobile Terminal and Electronic Commerce System and Method Using the Same |
US20070184818A1 (en) * | 2005-02-28 | 2007-08-09 | Research In Motion Limited | Method and system for enhanced security using location based wireless authentication |
US20090206157A1 (en) * | 2005-04-26 | 2009-08-20 | Bpriv, Llc | Method and system for authenticating use of item |
US20080222038A1 (en) * | 2005-07-05 | 2008-09-11 | Tomer Eden | Location Based Authentication System |
US20070011099A1 (en) * | 2005-07-11 | 2007-01-11 | Conrad Sheehan | SECURE ELECTRONIC TRANSACTIONS BETWEEN A MOBILE DEVICE AND OTHER MOBILE, FIXED, or VIRTUAL DEVICES |
US20070174082A1 (en) * | 2005-12-12 | 2007-07-26 | Sapphire Mobile Systems, Inc. | Payment authorization using location data |
US20080183622A1 (en) * | 2007-01-30 | 2008-07-31 | Phil Dixon | Signature based negative list for off line payment device validation |
US20090143104A1 (en) * | 2007-09-21 | 2009-06-04 | Michael Loh | Wireless smart card and integrated personal area network, near field communication and contactless payment system |
US20090265552A1 (en) * | 2008-03-28 | 2009-10-22 | Celltrust Corporation | Systems and methods for secure short messaging service and multimedia messaging service |
US20140200957A1 (en) * | 2013-01-16 | 2014-07-17 | Iqua Technologies Pty Ltd | System and method for determining customer preferences |
Cited By (195)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US9436955B2 (en) | 2009-06-10 | 2016-09-06 | Square, Inc. | Methods for transferring funds using a payment service where financial account information is only entered once with a payment service and need not be re-entered for future transfers |
US11831791B2 (en) | 2009-12-03 | 2023-11-28 | Ol Security Limited Liability Company | System and method for approving transactions |
US20110212735A1 (en) * | 2010-03-01 | 2011-09-01 | Mark Buer | Method and system for seamless consummation of an electronic transaction based on location related data |
US9697508B1 (en) | 2010-03-23 | 2017-07-04 | Amazon Technologies, Inc. | Mobile payments using point-of-sale infrastructure |
US8521131B1 (en) | 2010-03-23 | 2013-08-27 | Amazon Technologies, Inc. | Mobile device security |
US10366385B1 (en) | 2010-03-23 | 2019-07-30 | Amazon Technologies, Inc. | Mobile payments using point-of-sale infrastructure |
US20110238514A1 (en) * | 2010-03-23 | 2011-09-29 | Harsha Ramalingam | Transaction Completion Based on Geolocation Arrival |
US8341029B1 (en) | 2010-03-23 | 2012-12-25 | Amazon Technologies, Inc. | User profile and geolocation for efficient transactions |
US9058604B2 (en) | 2010-03-23 | 2015-06-16 | Amazon Technologies, Inc. | Converged web-identity and mobile device based shopping |
US9681359B2 (en) | 2010-03-23 | 2017-06-13 | Amazon Technologies, Inc. | Transaction completion based on geolocation arrival |
US20110238474A1 (en) * | 2010-03-23 | 2011-09-29 | Michael Carr | Converged Web-identity and Mobile Device Based Shopping |
US10339549B1 (en) * | 2010-03-23 | 2019-07-02 | Amazon Technologies, Inc. | Transaction bootstrapping to create relationships |
US9386507B1 (en) | 2010-03-23 | 2016-07-05 | Amazon Technologies, Inc. | Mobile device security |
US9609577B1 (en) | 2010-03-23 | 2017-03-28 | Amazon Technologies, Inc. | Mobile device security |
US9723131B1 (en) | 2010-03-23 | 2017-08-01 | Amazon Technologies, Inc. | Mobile device security |
US9760885B1 (en) | 2010-03-23 | 2017-09-12 | Amazon Technologies, Inc. | Hierarchical device relationships for geolocation-based transactions |
US9107064B1 (en) | 2010-03-23 | 2015-08-11 | Amazon Technologies, Inc. | Mobile device security |
US9767474B1 (en) | 2010-03-23 | 2017-09-19 | Amazon Technologies, Inc. | Transaction tracking and incentives |
US10438242B1 (en) | 2010-03-23 | 2019-10-08 | Amazon Technologies, Inc. | Converged web-identity and mobile device based shopping |
US9916608B1 (en) | 2010-03-23 | 2018-03-13 | Amazon Technologies, Inc. | User profile and geolocation for efficient transactions |
US10733644B2 (en) | 2010-09-30 | 2020-08-04 | Paypal, Inc. | Location based transactions |
US9721283B2 (en) * | 2010-09-30 | 2017-08-01 | Paypal, Inc. | Location based transactions |
US20120084177A1 (en) * | 2010-09-30 | 2012-04-05 | Ebay Inc. | Location based transactions |
US20130031004A1 (en) * | 2010-10-13 | 2013-01-31 | Jack Dorsey | Payment methods with a payment service and tabs selected by a first party and opened by a second party at any geographic location of the first partys mobile device |
US9454866B2 (en) | 2010-10-13 | 2016-09-27 | Square, Inc. | Method of conducting financial transactions where a payer's financial account information is entered only once with a payment system |
US9619797B2 (en) | 2010-10-13 | 2017-04-11 | Square, Inc. | Payment methods with a payment service and tabs selected by a first party and opened by a second party at an geographic location of the first party's mobile device |
US20120158545A1 (en) * | 2010-12-20 | 2012-06-21 | Ebay, Inc. | Mobile on-the-spot shopping and payments |
US20120221464A1 (en) * | 2011-02-28 | 2012-08-30 | Research In Motion Limited | Communications system for performing secure transactions based upon mobile wireless communications device proximity and related methods |
US8793760B2 (en) * | 2011-03-31 | 2014-07-29 | Ebay Inc. | Authenticating online users with distorted challenges based on transaction histories |
US20120254940A1 (en) * | 2011-03-31 | 2012-10-04 | Ebay Inc. | Authenticating online users with distorted challenges based on transaction histories |
US9830594B2 (en) | 2011-05-17 | 2017-11-28 | Ping Identity Corporation | System and method for performing a secure transaction |
US9965768B1 (en) | 2011-05-19 | 2018-05-08 | Amazon Technologies, Inc. | Location-based mobile advertising |
US8847733B2 (en) | 2011-05-20 | 2014-09-30 | Mastercard International Incorporated | Methods, systems, and computer-readable storage media for managing risk using location, mobile, and user participating-based identity verification |
EP2742475A2 (en) * | 2011-08-08 | 2014-06-18 | Visa International Service Association | Payment device with integrated chip |
US20130041822A1 (en) * | 2011-08-08 | 2013-02-14 | Kim Wagner | Payment Device with Integrated Chip |
EP2742475A4 (en) * | 2011-08-08 | 2015-01-07 | Visa Int Service Ass | Payment device with integrated chip |
CN103858141A (en) * | 2011-08-08 | 2014-06-11 | 维萨国际服务协会 | Payment device with integrated chip |
AU2017200988B2 (en) * | 2011-08-08 | 2018-09-13 | Visa International Service Association | Payment device with integrated chip |
US9373111B2 (en) * | 2011-08-08 | 2016-06-21 | Visa International Service Association | Payment card with integrated chip |
JP2014522067A (en) * | 2011-08-08 | 2014-08-28 | ビザ インターナショナル サービス アソシエーション | Payment device with embedded chip |
US20130041823A1 (en) * | 2011-08-08 | 2013-02-14 | Kim Wagner | Payment Card with Integrated Chip |
WO2013022988A2 (en) | 2011-08-08 | 2013-02-14 | Visa International Service Association | Payment device with integrated chip |
AU2012294451B2 (en) * | 2011-08-08 | 2017-08-24 | Visa International Service Association | Payment device with integrated chip |
US10181118B2 (en) * | 2011-08-17 | 2019-01-15 | Lookout, Inc. | Mobile communications device payment method utilizing location information |
US20140304165A1 (en) * | 2011-08-17 | 2014-10-09 | Lookout, Inc. | Mobile communications device payment method utilizing location information |
US11587060B2 (en) * | 2011-08-17 | 2023-02-21 | Lookout, Inc. | System and method for pushing messages to a mobile communications device |
US20150088751A1 (en) * | 2011-08-19 | 2015-03-26 | Bank Of America Corporation | Transaction verification system based on user location |
US20130046692A1 (en) * | 2011-08-19 | 2013-02-21 | Bank Of America Corporation | Fraud protection with user location verification |
US9886688B2 (en) | 2011-08-31 | 2018-02-06 | Ping Identity Corporation | System and method for secure transaction process via mobile device |
US20130080219A1 (en) * | 2011-09-26 | 2013-03-28 | First Data Corporation | Systems and Methods for Providing Value Added Services in Association with Payment Transactions |
US20140067570A1 (en) * | 2011-10-01 | 2014-03-06 | Uttam Sengupta | System and method for mobile point of sale |
US9246903B2 (en) * | 2011-10-31 | 2016-01-26 | Money And Data Protection Lizenz Gmbh & Co. Kg | Authentication method |
US20140245391A1 (en) * | 2011-10-31 | 2014-08-28 | Money And Data Protection Lizenz Gmbh & Co. Kg | Authentication Method |
US20130117155A1 (en) * | 2011-11-04 | 2013-05-09 | Michael Laine Glasgo | Transaction validation by location based services (LBS) |
US20140337232A1 (en) * | 2011-11-04 | 2014-11-13 | Telecommunication Systems, Inc. | Transaction Validation by Location Based Services (LBS) |
US10373246B1 (en) * | 2011-12-06 | 2019-08-06 | West Corporation | Method and apparatus of providing enhanced authentication and security for financial institution transactions |
US20130152155A1 (en) * | 2011-12-09 | 2013-06-13 | Verizon Patent And Licensing Inc. | Providing user attributes to complete an online transaction |
US9384330B2 (en) * | 2011-12-09 | 2016-07-05 | Verizon Patent And Licensing Inc. | Providing user attributes to complete an online transaction |
US8655773B1 (en) * | 2012-01-26 | 2014-02-18 | Intuit Inc. | Geo-location based underwriting |
US10332110B2 (en) | 2012-02-28 | 2019-06-25 | Barclays Services Limited | System and method for authenticating a payment transaction |
JP2015521304A (en) * | 2012-04-06 | 2015-07-27 | マイクロソフト コーポレーション | Transaction authentication between mobile communication devices and terminals using location data |
US10108963B2 (en) | 2012-04-10 | 2018-10-23 | Ping Identity Corporation | System and method for secure transaction process via mobile device |
US20130267200A1 (en) * | 2012-04-10 | 2013-10-10 | Accells Technologies (2009), Ltd. | System and method for secure transaction process via mobile device |
US20130290176A1 (en) * | 2012-04-26 | 2013-10-31 | Ebay, Inc. | Transaction service purchase options via a payment provider |
US20210166238A1 (en) * | 2012-06-19 | 2021-06-03 | OnDot Systems, Inc. | Enriching transaction request data for maintaining location privacy while improving fraud prevention systems on a data communication network with user controls injected to back-end transaction approval requests in real-time with transactions |
US11494777B2 (en) * | 2012-06-19 | 2022-11-08 | OnDot Systems, Inc. | Enriching transaction request data for maintaining location privacy while improving fraud prevention systems on a data communication network with user controls injected to back-end transaction approval requests in real-time with transactions |
US11899711B2 (en) | 2012-06-19 | 2024-02-13 | Ondot Systems Inc. | Merchant logo detection artificial intelligence (AI) for injecting user control to ISO back-end transaction approvals between acquirer processors and issuer processors over data communication networks |
US20140058805A1 (en) * | 2012-08-24 | 2014-02-27 | Sap Ag | Remotely authorizing a purchase from a head unit of a vehicle |
US9152971B2 (en) | 2012-09-26 | 2015-10-06 | Paypal, Inc. | Dynamic mobile seller routing |
US10242376B2 (en) | 2012-09-26 | 2019-03-26 | Paypal, Inc. | Dynamic mobile seller routing |
US20150262163A1 (en) * | 2012-10-05 | 2015-09-17 | Alcatel Lucent | Cloud based payment method |
US9672513B2 (en) * | 2012-10-05 | 2017-06-06 | Alcatel Lucent | Cloud based payment method |
AU2013263803B2 (en) * | 2012-11-28 | 2020-04-09 | Nowww.Us Pty Limited | A secure processing system for use with a portable communication device |
US20140244504A1 (en) * | 2013-02-27 | 2014-08-28 | Mastercard International Incorporated | Methods and systems for processing electronic transactions and managing vehicle costs |
WO2014164284A1 (en) * | 2013-03-12 | 2014-10-09 | Mastercard International Incorporated | Method and system of detecting and using geofencing for fraud detection and modeling |
US20140279490A1 (en) * | 2013-03-13 | 2014-09-18 | Bank Of America Corporation | Automated teller machine (atm) user location verification |
US20140279538A1 (en) * | 2013-03-14 | 2014-09-18 | Telcom Ventures, Llc | Systems, methods, and devices for verifying a user identity and/or enabling/disabling an action, using a current and/or previous user location |
US10373166B2 (en) | 2013-05-24 | 2019-08-06 | Marc George | System for managing personal identifiers and financial instrument use |
US20140365377A1 (en) * | 2013-06-10 | 2014-12-11 | The Toronto-Dominion Bank | High fraud risk transaction authorization |
US10726400B2 (en) * | 2013-06-10 | 2020-07-28 | The Toronto-Dominion Bank | High fraud risk transaction authorization |
US11676115B2 (en) | 2013-06-10 | 2023-06-13 | The Toronto-Dominion Bank | Authorization system using partial card numbers |
US9519934B2 (en) | 2013-07-19 | 2016-12-13 | Bank Of America Corporation | Restricted access to online banking |
US9646342B2 (en) | 2013-07-19 | 2017-05-09 | Bank Of America Corporation | Remote control for online banking |
CN105474224A (en) * | 2013-08-26 | 2016-04-06 | 苹果公司 | Secure provisioning of credentials on an electronic device |
US11636489B2 (en) | 2013-10-19 | 2023-04-25 | Ondot Systems Inc. | System and method for authorizing a transaction based on dynamic location updates from a user device |
US10431330B2 (en) * | 2014-01-22 | 2019-10-01 | Children's Hospital & Research Center At Oakland | Method and system to provide patient information and facilitate care of a patient |
US20150205919A1 (en) * | 2014-01-22 | 2015-07-23 | Children's Hospital & Research Center At Oakland | Method and system to provide patient information and facilitate care of a patient |
WO2015114215A1 (en) * | 2014-01-31 | 2015-08-06 | Idcontrol Oy | Authentication system and method for authenticating a user |
US9223951B2 (en) | 2014-02-07 | 2015-12-29 | Bank Of America Corporation | User authentication based on other applications |
US9477960B2 (en) | 2014-02-07 | 2016-10-25 | Bank Of America Corporation | User authentication based on historical transaction data |
US9313190B2 (en) | 2014-02-07 | 2016-04-12 | Bank Of America Corporation | Shutting down access to all user accounts |
US9317673B2 (en) | 2014-02-07 | 2016-04-19 | Bank Of America Corporation | Providing authentication using previously-validated authentication credentials |
US9317674B2 (en) | 2014-02-07 | 2016-04-19 | Bank Of America Corporation | User authentication based on fob/indicia scan |
US9628495B2 (en) | 2014-02-07 | 2017-04-18 | Bank Of America Corporation | Self-selected user access based on specific authentication types |
US20160098719A1 (en) * | 2014-02-07 | 2016-04-07 | Bank Of America Corporation | Revocation of application access based on non-co-located |
US9331994B2 (en) | 2014-02-07 | 2016-05-03 | Bank Of America Corporation | User authentication based on historical transaction data |
US9391977B2 (en) | 2014-02-07 | 2016-07-12 | Bank Of America Corporation | Providing authentication using previously-validated authentication credentials |
US9398000B2 (en) | 2014-02-07 | 2016-07-19 | Bank Of America Corporation | Providing authentication using previously-validated authentication credentials |
US9406055B2 (en) | 2014-02-07 | 2016-08-02 | Bank Of America Corporation | Shutting down access to all user accounts |
US9595032B2 (en) * | 2014-02-07 | 2017-03-14 | Bank Of America Corporation | Remote revocation of application access based on non-co-location of a transaction vehicle and a mobile device |
US9595025B2 (en) | 2014-02-07 | 2017-03-14 | Bank Of America Corporation | Sorting mobile banking functions into authentication buckets |
US9413747B2 (en) | 2014-02-07 | 2016-08-09 | Bank Of America Corporation | Shutting down access to all user accounts |
US9208301B2 (en) | 2014-02-07 | 2015-12-08 | Bank Of America Corporation | Determining user authentication requirements based on the current location of the user in comparison to the users's normal boundary of location |
US9525685B2 (en) | 2014-02-07 | 2016-12-20 | Bank Of America Corporation | User authentication based on other applications |
US9819680B2 (en) | 2014-02-07 | 2017-11-14 | Bank Of America Corporation | Determining user authentication requirements based on the current location of the user in comparison to the users's normal boundary of location |
US9483766B2 (en) | 2014-02-07 | 2016-11-01 | Bank Of America Corporation | User authentication based on historical transaction data |
US9589261B2 (en) * | 2014-02-07 | 2017-03-07 | Bank Of America Corporation | Remote revocation of application access based on non-co-location of a transaction vehicle and a mobile device |
US9584527B2 (en) | 2014-02-07 | 2017-02-28 | Bank Of America Corporation | User authentication based on FOB/indicia scan |
US9305149B2 (en) | 2014-02-07 | 2016-04-05 | Bank Of America Corporation | Sorting mobile banking functions into authentication buckets |
US9213974B2 (en) * | 2014-02-07 | 2015-12-15 | Bank Of America Corporation | Remote revocation of application access based on non-co-location of a transaction vehicle and a mobile device |
US9965606B2 (en) | 2014-02-07 | 2018-05-08 | Bank Of America Corporation | Determining user authentication based on user/device interaction |
US9509685B2 (en) | 2014-02-07 | 2016-11-29 | Bank Of America Corporation | User authentication based on other applications |
US9565195B2 (en) | 2014-02-07 | 2017-02-07 | Bank Of America Corporation | User authentication based on FOB/indicia scan |
US9971885B2 (en) | 2014-02-07 | 2018-05-15 | Bank Of America Corporation | Determining user authentication requirements based on the current location of the user being within a predetermined area requiring altered authentication requirements |
US9647999B2 (en) | 2014-02-07 | 2017-05-09 | Bank Of America Corporation | Authentication level of function bucket based on circumstances |
US9509702B2 (en) | 2014-02-07 | 2016-11-29 | Bank Of America Corporation | Self-selected user access based on specific authentication types |
US10050962B2 (en) | 2014-02-07 | 2018-08-14 | Bank Of America Corporation | Determining user authentication requirements along a continuum based on a current state of the user and/or the attributes related to the function requiring authentication |
US10049195B2 (en) | 2014-02-07 | 2018-08-14 | Bank Of America Corporation | Determining user authentication requirements based on the current location of the user being within a predetermined area requiring altered authentication requirements |
US9530124B2 (en) | 2014-02-07 | 2016-12-27 | Bank Of America Corporation | Sorting mobile banking functions into authentication buckets |
US9286450B2 (en) | 2014-02-07 | 2016-03-15 | Bank Of America Corporation | Self-selected user access based on specific authentication types |
US9830597B2 (en) | 2014-03-04 | 2017-11-28 | Bank Of America Corporation | Formation and funding of a shared token |
US9639836B2 (en) | 2014-03-04 | 2017-05-02 | Bank Of America Corporation | Online banking digital wallet management |
US9721248B2 (en) | 2014-03-04 | 2017-08-01 | Bank Of America Corporation | ATM token cash withdrawal |
US9600817B2 (en) | 2014-03-04 | 2017-03-21 | Bank Of America Corporation | Foreign exchange token |
US10762483B2 (en) | 2014-03-04 | 2020-09-01 | Bank Of America Corporation | ATM token cash withdrawal |
US9600844B2 (en) | 2014-03-04 | 2017-03-21 | Bank Of America Corporation | Foreign cross-issued token |
US9652764B2 (en) | 2014-03-04 | 2017-05-16 | Bank Of America Corporation | Online banking digital wallet management |
US10242351B1 (en) | 2014-05-07 | 2019-03-26 | Square, Inc. | Digital wallet for groups |
US11645651B2 (en) | 2014-05-11 | 2023-05-09 | Block, Inc. | Open tab transactions |
US10402798B1 (en) | 2014-05-11 | 2019-09-03 | Square, Inc. | Open tab transactions |
US11783331B2 (en) | 2014-05-11 | 2023-10-10 | Block, Inc. | Cardless transaction using account automatically generated based on previous transaction |
WO2016034543A1 (en) * | 2014-09-04 | 2016-03-10 | Mastercard International Incorporated | Method and system for facilitating a transaction |
US10460309B2 (en) * | 2014-09-24 | 2019-10-29 | Alibaba Group Holding Limited | Payment verification method, apparatus and system |
US10404830B2 (en) | 2014-12-09 | 2019-09-03 | Alibaba Group Holding Limited | Service processing method and apparatus, and service server |
US10917498B2 (en) | 2014-12-09 | 2021-02-09 | Advanced New Technologies Co., Ltd. | Service processing method and apparatus, and service server |
US11514426B2 (en) * | 2014-12-19 | 2022-11-29 | Capital One Services, Llc | Systems and methods for contactless and secure data transfer |
US20190164184A1 (en) * | 2014-12-29 | 2019-05-30 | Comenity Llc | Collecting and analyzing data from a mobile device |
US11727425B2 (en) * | 2014-12-29 | 2023-08-15 | Bread Financial Payments, Inc. | Collecting and analyzing data from a mobile device |
US10990974B1 (en) | 2015-01-15 | 2021-04-27 | Wells Fargo Bank, N.A. | Identity verification services and user information provision via application programming interface |
US11238421B1 (en) | 2015-01-15 | 2022-02-01 | Wells Fargo Bank, N.A. | Payment services via application programming interface |
US11868977B1 (en) | 2015-01-15 | 2024-01-09 | Wells Fargo Bank, N.A. | Payment services via application programming interface |
US11410228B1 (en) | 2015-01-15 | 2022-08-09 | Wells Fargo Bank, N.A. | Identity verification via application programming interface |
US10621658B1 (en) | 2015-01-15 | 2020-04-14 | Wells Fargo Bank, N.A. | Identity verification services with identity score through external entities via application programming interface |
US11847690B1 (en) | 2015-01-15 | 2023-12-19 | Wells Fargo Bank, N.A. | Identity verification services with identity score through external entities via application programming interface |
US10997654B1 (en) | 2015-01-15 | 2021-05-04 | Wells Fargo Bank, N.A. | Identity verification services through external entities via application programming interface |
US11475514B1 (en) | 2015-01-15 | 2022-10-18 | Wells Fargo Bank, N.A. | Identity verification services through external entities via application programming interface |
US10937025B1 (en) * | 2015-01-15 | 2021-03-02 | Wells Fargo Bank, N.A. | Payment services via application programming interface |
US9781105B2 (en) | 2015-05-04 | 2017-10-03 | Ping Identity Corporation | Fallback identity authentication techniques |
CN105049611A (en) * | 2015-06-29 | 2015-11-11 | 深圳国微技术有限公司 | Payment device searching method and payment device searching device |
CN108141703A (en) * | 2015-08-14 | 2018-06-08 | 维萨国际服务协会 | For using the netted system and method routeing to determine position |
US11146963B2 (en) | 2015-08-14 | 2021-10-12 | Visa International Service Association | System and method for location determination using mesh routing |
EP3335440A4 (en) * | 2015-08-14 | 2019-03-06 | Visa International Service Association | System and method for location determination using mesh routing |
WO2017031087A1 (en) | 2015-08-14 | 2017-02-23 | Visa International Service Association | System and method for location determination using mesh routing |
US11849372B2 (en) | 2015-08-14 | 2023-12-19 | Visa International Service Association | System and method for location determination using mesh routing |
US10872329B2 (en) * | 2015-09-03 | 2020-12-22 | Mobile Elements Corp | Contactless mobile payment system |
US20180276652A1 (en) * | 2015-09-03 | 2018-09-27 | Dionisios A. Sofronas | Contactless mobile payment system |
US20170103382A1 (en) * | 2015-10-07 | 2017-04-13 | Samsung Electronics Co., Ltd. | Method of providing payment service and electronic device for implementing same |
US9965523B2 (en) | 2015-10-30 | 2018-05-08 | Bank Of America Corporation | Tiered identification federated authentication network system |
US9794299B2 (en) | 2015-10-30 | 2017-10-17 | Bank Of America Corporation | Passive based security escalation to shut off of application based on rules event triggering |
US9820148B2 (en) | 2015-10-30 | 2017-11-14 | Bank Of America Corporation | Permanently affixed un-decryptable identifier associated with mobile device |
US9729536B2 (en) | 2015-10-30 | 2017-08-08 | Bank Of America Corporation | Tiered identification federated authentication network system |
US10021565B2 (en) | 2015-10-30 | 2018-07-10 | Bank Of America Corporation | Integrated full and partial shutdown application programming interface |
US9641539B1 (en) | 2015-10-30 | 2017-05-02 | Bank Of America Corporation | Passive based security escalation to shut off of application based on rules event triggering |
US11580517B1 (en) | 2015-12-28 | 2023-02-14 | Wells Fargo Bank, N.A. | Mobile device-based dual custody verification using micro-location |
US11017376B1 (en) * | 2015-12-28 | 2021-05-25 | Wells Fargo Bank, N.A. | Mobile device-based dual custody verification using micro-location |
US10460367B2 (en) | 2016-04-29 | 2019-10-29 | Bank Of America Corporation | System for user authentication based on linking a randomly generated number to the user and a physical item |
US10268635B2 (en) | 2016-06-17 | 2019-04-23 | Bank Of America Corporation | System for data rotation through tokenization |
US11893568B1 (en) * | 2016-07-06 | 2024-02-06 | United Services Automobile Association (Usaa) | Automated proximity fraud account lock systems and methods |
US11587063B1 (en) * | 2016-07-06 | 2023-02-21 | United Services Automobile Association (Usaa) | Automated proximity fraud account lock systems and methods |
WO2018035024A1 (en) * | 2016-08-18 | 2018-02-22 | Visa International Service Association | Systems and methods for enhanced authorization response |
US10313480B2 (en) | 2017-06-22 | 2019-06-04 | Bank Of America Corporation | Data transmission between networked resources |
US10524165B2 (en) | 2017-06-22 | 2019-12-31 | Bank Of America Corporation | Dynamic utilization of alternative resources based on token association |
US11190617B2 (en) | 2017-06-22 | 2021-11-30 | Bank Of America Corporation | Data transmission to a networked resource based on contextual information |
US10986541B2 (en) | 2017-06-22 | 2021-04-20 | Bank Of America Corporation | Dynamic utilization of alternative resources based on token association |
US10511692B2 (en) | 2017-06-22 | 2019-12-17 | Bank Of America Corporation | Data transmission to a networked resource based on contextual information |
US11410156B2 (en) | 2017-06-30 | 2022-08-09 | Huawei Technologies Co., Ltd. | NFC payment method and terminal |
US20220322031A1 (en) * | 2017-09-15 | 2022-10-06 | Intel Corporation | Proof of location using proximity records and distributed ledger |
US11676126B1 (en) | 2017-12-28 | 2023-06-13 | Wells Fargo Bank, N.A. | Account open interfaces |
US11106515B1 (en) | 2017-12-28 | 2021-08-31 | Wells Fargo Bank, N.A. | Systems and methods for multi-platform product integration |
US20210192503A1 (en) * | 2018-03-16 | 2021-06-24 | Advanced New Technologies Co., Ltd. | Payment method, apparatus and device |
US11756011B1 (en) | 2018-12-10 | 2023-09-12 | Wells Fargo Bank, N.A. | Third-party payment interfaces |
US11797956B1 (en) | 2018-12-10 | 2023-10-24 | Wells Fargo Bank, N.A. | Third-party payment interfaces |
US11093912B1 (en) | 2018-12-10 | 2021-08-17 | Wells Fargo Bank, N.A. | Third-party payment interfaces |
US11379850B1 (en) | 2018-12-10 | 2022-07-05 | Wells Fargo Bank, N.A. | Third-party payment interfaces |
US11263615B2 (en) | 2019-03-01 | 2022-03-01 | Visa International Service Association | System, method, and computer program product for authentication by augmented reality for fraud prevention |
US11935027B2 (en) | 2019-03-01 | 2024-03-19 | Visa International Service Association | System, method, and computer program product for authentication by augmented reality for fraud prevention |
US11321699B2 (en) * | 2019-04-15 | 2022-05-03 | Gurunavi, Inc. | Payment support system, payment support method, and non-transitory recording medium |
US11700122B1 (en) | 2019-06-21 | 2023-07-11 | Wells Fargo Bank, N.A. | Secure communications via third-party systems through frames |
US11050565B1 (en) | 2019-06-21 | 2021-06-29 | Wells Fargo Bank, N.A. | Secure communications via third-party systems through frames |
US11700248B1 (en) | 2019-06-21 | 2023-07-11 | Wells Fargo Bank, N.A. | Secure communications via third-party systems through frames |
US11044246B1 (en) | 2019-06-21 | 2021-06-22 | Wells Fargo Bank, N.A. | Secure communications via third-party systems through frames |
US11044092B1 (en) | 2019-06-21 | 2021-06-22 | Wells Fargo Bank, N.A. | Secure communications via third-party systems through frames |
US11695560B1 (en) | 2019-06-21 | 2023-07-04 | Wells Fargo Bank, N.A. | Secure communications via third-party systems through frames |
US11836727B1 (en) | 2020-12-04 | 2023-12-05 | Wells Fargo Bank, N.A. | Location based transaction authentication |
US11200306B1 (en) | 2021-02-25 | 2021-12-14 | Telcom Ventures, Llc | Methods, devices, and systems for authenticating user identity for location-based deliveries |
Also Published As
Publication number | Publication date |
---|---|
BR112012013347A2 (en) | 2016-03-01 |
JP2013513158A (en) | 2013-04-18 |
EP2507754A4 (en) | 2017-04-05 |
US20210211311A1 (en) | 2021-07-08 |
EP2507754B1 (en) | 2021-08-25 |
US20240056315A1 (en) | 2024-02-15 |
US11831791B2 (en) | 2023-11-28 |
WO2011068624A2 (en) | 2011-06-09 |
EP2507754A2 (en) | 2012-10-10 |
CN102640177A (en) | 2012-08-15 |
JP5513626B2 (en) | 2014-06-04 |
EP3929850A1 (en) | 2021-12-29 |
US20180083787A1 (en) | 2018-03-22 |
KR101437248B1 (en) | 2014-09-02 |
KR20120082024A (en) | 2012-07-20 |
WO2011068624A3 (en) | 2011-10-13 |
Similar Documents
Publication | Publication Date | Title |
---|---|---|
US11831791B2 (en) | System and method for approving transactions | |
EP3271885B1 (en) | Multi-device transaction verification | |
US10373161B2 (en) | Offline mobile phone payments | |
RU2427917C2 (en) | Device, system and method to reduce time of interaction in contactless transaction | |
RU2534943C2 (en) | Prevention of false positive card detection | |
JP6077531B2 (en) | Transaction system and method for use with mobile devices | |
US20170178116A1 (en) | Remote transaction system, method and point of sale terminal | |
KR20140125449A (en) | Transaction processing system and method | |
JP2013050968A (en) | System and method for secured account numbers in proximity devices | |
US11202166B2 (en) | Method and system for location-based resource access | |
CN116074089A (en) | Cloud token provisioning for multiple tokens | |
US20170323287A1 (en) | System and method for providing payment service | |
US20100017333A1 (en) | Methods and systems for conducting electronic commerce | |
US20220270096A1 (en) | Computer-implemented method, system, and computer program product for authenticating a transaction | |
KR101399109B1 (en) | Non facing payment system and method using i-pin connection information | |
KR101640300B1 (en) | Method of secure finance transaction based on finance window using mobile device and system performing the same | |
KR101623972B1 (en) | System for Payment by Using Identity Code of Affiliated Store | |
KR101719450B1 (en) | Mobile payment system and mobile payment method | |
CN113507377B (en) | Apparatus and method for transaction processing using a token and password based on transaction specific information | |
WO2013160830A1 (en) | A server and mobile device for authorizing a transaction |
Legal Events
Date | Code | Title | Description |
---|---|---|---|
AS | Assignment |
Owner name: RECURSION SOFTWARE, INC., TEXAS Free format text: ASSIGNMENT OF ASSIGNORS INTEREST;ASSIGNOR:PETERSON, ROBERT W;REEL/FRAME:023598/0069 Effective date: 20091016 |
|
AS | Assignment |
Owner name: OSOCAD REMOTE LIMITED LIABILITY COMPANY, DELAWARE Free format text: ASSIGNMENT OF ASSIGNORS INTEREST;ASSIGNOR:RECURSION SOFTWARE, INC.;REEL/FRAME:024730/0298 Effective date: 20100623 |
|
AS | Assignment |
Owner name: OL SECURITY LIMITED LIABILITY COMPANY, DELAWARE Free format text: MERGER;ASSIGNOR:OSOCAD REMOTE LIMITED LIABILITY COMPANY;REEL/FRAME:037387/0436 Effective date: 20150826 |
|
STCB | Information on status: application discontinuation |
Free format text: ABANDONED -- FAILURE TO RESPOND TO AN OFFICE ACTION |