WO2007056274A3 - Methods and systems for identity authentication - Google Patents

Methods and systems for identity authentication Download PDF

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Publication number
WO2007056274A3
WO2007056274A3 PCT/US2006/043173 US2006043173W WO2007056274A3 WO 2007056274 A3 WO2007056274 A3 WO 2007056274A3 US 2006043173 W US2006043173 W US 2006043173W WO 2007056274 A3 WO2007056274 A3 WO 2007056274A3
Authority
WO
WIPO (PCT)
Prior art keywords
risk
greenlist
liability
party
banks
Prior art date
Application number
PCT/US2006/043173
Other languages
French (fr)
Other versions
WO2007056274A2 (en
Inventor
Richard J O'brien
Andrew M Gallant
John J Condon
Jordan S Firfer
Lawrence F Buettner
Original Assignee
Payment Pathways Inc
Richard J O'brien
Andrew M Gallant
John J Condon
Jordan S Firfer
Lawrence F Buettner
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Payment Pathways Inc, Richard J O'brien, Andrew M Gallant, John J Condon, Jordan S Firfer, Lawrence F Buettner filed Critical Payment Pathways Inc
Priority to CN2006800405463A priority Critical patent/CN101563704B/en
Publication of WO2007056274A2 publication Critical patent/WO2007056274A2/en
Publication of WO2007056274A3 publication Critical patent/WO2007056274A3/en

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • 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

Abstract

The Greenlist tool provides payors desiring to pay a merchant a means to locate, validate and effect the transfer of assets to another party by routing transaction requests to a third party that functions as the transaction enabler. This task is performed without divulging confidential information about transactors while assigning liability for certain risk consequences to the lowest cost risk bearers: banks. Greenlist verifies identities before making financial transactions or before obtaining access to restricted information. The Greenlist can be completely trusted by risk-bearers. Liability for risk can be transferred to the registrars of the information contained within the registry. This liability transfer substantially reduces the payor's cost of bearing risks. Banks or third parties responsible for certifying that someone or some entity claiming to be an authorized party is not an impostor can now offer new levels of service at a substantially lower cost for a variety of transactions.
PCT/US2006/043173 2005-11-03 2006-11-03 Methods and systems for identity authentication WO2007056274A2 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CN2006800405463A CN101563704B (en) 2005-11-03 2006-11-03 Methods and systems for identity authentication

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US73398205P 2005-11-03 2005-11-03
US60/733,982 2005-11-03

Publications (2)

Publication Number Publication Date
WO2007056274A2 WO2007056274A2 (en) 2007-05-18
WO2007056274A3 true WO2007056274A3 (en) 2009-05-14

Family

ID=38023884

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2006/043173 WO2007056274A2 (en) 2005-11-03 2006-11-03 Methods and systems for identity authentication

Country Status (2)

Country Link
CN (1) CN101563704B (en)
WO (1) WO2007056274A2 (en)

Families Citing this family (20)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP1504393A4 (en) 2002-04-23 2008-03-19 Clearing House Service Company Payment identification code and payment system using the same
US8725607B2 (en) 2004-01-30 2014-05-13 The Clearing House Payments Company LLC Electronic payment clearing and check image exchange systems and methods
US8515870B2 (en) * 2011-09-06 2013-08-20 Rawllin International Inc. Electronic payment systems and supporting methods and devices
EP2828810A4 (en) 2012-03-19 2015-05-06 Paynet Payments Network Llc Systems and methods for real-time account access
US10535064B2 (en) 2012-03-19 2020-01-14 Paynet Payments Network, Llc Systems and methods for real-time account access
WO2013179271A2 (en) * 2012-06-01 2013-12-05 Mani Venkatachalam Sthanu Subra Method and system for human assisted secure payment by phone to an insecure third-party service provider
CN103873435B (en) * 2012-12-10 2017-09-19 阿里巴巴集团控股有限公司 A kind of network trading platform account control method, device and server
CN103580867A (en) * 2013-08-01 2014-02-12 百度在线网络技术（北京）有限公司 Trading method and trading system
US11295308B1 (en) 2014-10-29 2022-04-05 The Clearing House Payments Company, L.L.C. Secure payment processing
US11694168B2 (en) 2015-07-01 2023-07-04 The Clearing House Payments Company L.L.C. Real-time payment system, method, apparatus, and computer program
US11042882B2 (en) 2015-07-01 2021-06-22 The Clearing House Payments Company, L.L.C. Real-time payment system, method, apparatus, and computer program
JP6727299B2 (en) * 2015-07-13 2020-07-22 クリアエクスチェンジ，エルエルシー System and method for promoting secure transactions in non-financial institution systems
WO2017091594A1 (en) * 2015-11-23 2017-06-01 Visa International Service Association System and method of providing supplemental information in a transaction
ITUB20159308A1 (en) * 2015-12-22 2017-06-22 Vinati S R L METHOD TO MAKE ONLINE PAYMENTS
CN107194794B (en) * 2017-05-03 2020-11-06 牡丹江师范学院 Enterprise tax declaration management system and method
EP3649598A1 (en) * 2017-07-05 2020-05-13 Mastercard International Incorporated System and methods for accepting dual function payment credential
US11436577B2 (en) 2018-05-03 2022-09-06 The Clearing House Payments Company L.L.C. Bill pay service with federated directory model support
JP6501236B1 (en) * 2018-07-18 2019-04-17 瑞明 飯島 Credit guarantee system
CN109740773A (en) * 2019-01-22 2019-05-10 吉林省民航机场集团公司 Information-based civil aircraft repair message system
CN111800547A (en) * 2019-04-09 2020-10-20 阿里巴巴集团控股有限公司 Method and device for acquiring user identity information, storage medium and processor

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5677955A (en) * 1995-04-07 1997-10-14 Financial Services Technology Consortium Electronic funds transfer instruments
US20040059672A1 (en) * 2000-07-11 2004-03-25 Baig Aamer Ali Wide area network person-to-person payment
US20040148252A1 (en) * 2001-01-26 2004-07-29 Jack Fleishman Online payment transfer and identity management system and method
US20050149439A1 (en) * 2004-01-07 2005-07-07 Daniel Suisa Transaction Method and System Using an Issued Transaction Number for Verification of a Transaction

Family Cites Families (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN1232135C (en) * 2002-11-12 2005-12-14 华为技术有限公司 An end-to-end routing method of voice core network in wireless internet protocol

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5677955A (en) * 1995-04-07 1997-10-14 Financial Services Technology Consortium Electronic funds transfer instruments
US20040059672A1 (en) * 2000-07-11 2004-03-25 Baig Aamer Ali Wide area network person-to-person payment
US20040148252A1 (en) * 2001-01-26 2004-07-29 Jack Fleishman Online payment transfer and identity management system and method
US20050149439A1 (en) * 2004-01-07 2005-07-07 Daniel Suisa Transaction Method and System Using an Issued Transaction Number for Verification of a Transaction

Also Published As

Publication number Publication date
CN101563704B (en) 2012-07-04
WO2007056274A2 (en) 2007-05-18
CN101563704A (en) 2009-10-21

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