WO2012100351A1 - Electronic transaction risk management - Google Patents
Electronic transaction risk management Download PDFInfo
- Publication number
- WO2012100351A1 WO2012100351A1 PCT/CA2012/050042 CA2012050042W WO2012100351A1 WO 2012100351 A1 WO2012100351 A1 WO 2012100351A1 CA 2012050042 W CA2012050042 W CA 2012050042W WO 2012100351 A1 WO2012100351 A1 WO 2012100351A1
- Authority
- WO
- WIPO (PCT)
- Prior art keywords
- audit information
- accumulated
- transfer
- devices
- secure server
- Prior art date
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
- G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
- G06F21/60—Protecting data
- G06F21/64—Protecting data integrity, e.g. using checksums, certificates or signatures
-
- 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
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking 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
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F2221/00—Indexing scheme relating to security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
- G06F2221/21—Indexing scheme relating to G06F21/00 and subgroups addressing additional information or applications relating to security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
- G06F2221/2101—Auditing as a secondary aspect
Landscapes
- Engineering & Computer Science (AREA)
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Theoretical Computer Science (AREA)
- Computer Security & Cryptography (AREA)
- General Physics & Mathematics (AREA)
- Physics & Mathematics (AREA)
- Finance (AREA)
- General Business, Economics & Management (AREA)
- Strategic Management (AREA)
- General Engineering & Computer Science (AREA)
- Software Systems (AREA)
- Computer Hardware Design (AREA)
- General Health & Medical Sciences (AREA)
- Bioethics (AREA)
- Health & Medical Sciences (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Marketing (AREA)
- Storage Device Security (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
Description
Claims
Priority Applications (6)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
EP12739771.9A EP2668745A4 (en) | 2011-01-28 | 2012-01-27 | Electronic transaction risk management |
CN201280006614XA CN103384985A (en) | 2011-01-28 | 2012-01-27 | Electronic transaction risk management |
AU2012210977A AU2012210977B2 (en) | 2011-01-28 | 2012-01-27 | Electronic transaction risk management |
JP2013550715A JP2014505305A (en) | 2011-01-28 | 2012-01-27 | Electronic transaction risk management |
KR1020137020012A KR101657615B1 (en) | 2011-01-28 | 2012-01-27 | Electronic transaction risk management |
CA2824685A CA2824685A1 (en) | 2011-01-28 | 2012-01-27 | Electronic transaction risk management |
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US201161437153P | 2011-01-28 | 2011-01-28 | |
US61/437,153 | 2011-01-28 |
Publications (1)
Publication Number | Publication Date |
---|---|
WO2012100351A1 true WO2012100351A1 (en) | 2012-08-02 |
Family
ID=46578547
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
PCT/CA2012/050042 WO2012100351A1 (en) | 2011-01-28 | 2012-01-27 | Electronic transaction risk management |
Country Status (8)
Country | Link |
---|---|
US (1) | US9117213B2 (en) |
EP (1) | EP2668745A4 (en) |
JP (1) | JP2014505305A (en) |
KR (1) | KR101657615B1 (en) |
CN (1) | CN103384985A (en) |
AU (1) | AU2012210977B2 (en) |
CA (1) | CA2824685A1 (en) |
WO (1) | WO2012100351A1 (en) |
Families Citing this family (1)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US9071444B2 (en) * | 2009-09-17 | 2015-06-30 | Royal Canadian Mint/Monnaie Royale Canadienne | Trusted message storage and transfer protocol and system |
Citations (14)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US5903652A (en) * | 1996-11-25 | 1999-05-11 | Microsoft Corporation | System and apparatus for monitoring secure information in a computer network |
EP1107198A2 (en) * | 1999-11-30 | 2001-06-13 | Citibank, Na | System and method for performing an electronic transaction using a transaction proxy with an electronic wallet |
WO2001077931A1 (en) | 2000-04-11 | 2001-10-18 | Joseph Mckenna | Electronic wallet |
US20020077978A1 (en) * | 2000-06-22 | 2002-06-20 | The Chase Manhattan Bank | Method and system for processing internet payments |
JP2003044769A (en) * | 2001-08-03 | 2003-02-14 | Hitachi Ltd | Electronic wallet and electronic wallet system |
US20030069858A1 (en) * | 2001-07-10 | 2003-04-10 | Kenneth Kittlitz | Transaction processing system in a distributed network |
WO2003044710A1 (en) | 2001-10-11 | 2003-05-30 | Trustcopy Pte Ltd | Apparatus, method and system for payment using a mobile device |
US20030105707A1 (en) * | 2001-11-30 | 2003-06-05 | Yves Audebert | Financial risk management system and method |
WO2005084177A2 (en) * | 2003-11-21 | 2005-09-15 | The Titan Corporation | Secure data management system with mobile data management capability |
US20070011099A1 (en) * | 2005-07-11 | 2007-01-11 | Conrad Sheehan | SECURE ELECTRONIC TRANSACTIONS BETWEEN A MOBILE DEVICE AND OTHER MOBILE, FIXED, or VIRTUAL DEVICES |
US20070255652A1 (en) * | 2006-03-30 | 2007-11-01 | Obopay Inc. | Mobile Person-to-Person Payment System |
US20080215465A1 (en) * | 2007-03-01 | 2008-09-04 | Accenture | Sales Transaction Hub |
US20100133337A1 (en) * | 2006-12-18 | 2010-06-03 | Fundamo (Proprietary) Limited | Portable payment device |
US7822688B2 (en) * | 2002-08-08 | 2010-10-26 | Fujitsu Limited | Wireless wallet |
Family Cites Families (26)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
JPS5854426B2 (en) * | 1981-04-08 | 1983-12-05 | 株式会社日立製作所 | portable terminal device |
GB2168514A (en) * | 1984-12-12 | 1986-06-18 | Ibm | Security module |
US5461217A (en) * | 1994-02-08 | 1995-10-24 | At&T Ipm Corp. | Secure money transfer techniques using smart cards |
US5615268A (en) * | 1995-01-17 | 1997-03-25 | Document Authentication Systems, Inc. | System and method for electronic transmission storage and retrieval of authenticated documents |
US7143290B1 (en) * | 1995-02-13 | 2006-11-28 | Intertrust Technologies Corporation | Trusted and secure techniques, systems and methods for item delivery and execution |
JPH10124604A (en) * | 1996-10-25 | 1998-05-15 | N T T Data Tsushin Kk | Electronic money system |
US6282522B1 (en) * | 1997-04-30 | 2001-08-28 | Visa International Service Association | Internet payment system using smart card |
US6370517B2 (en) * | 1997-05-13 | 2002-04-09 | Hitachi, Ltd. | Electronic money card, electronic money receiving/paying machine, and electronic money card editing device |
US6947908B1 (en) * | 1998-08-27 | 2005-09-20 | Citibank, N.A. | System and use for correspondent banking |
US6286098B1 (en) * | 1998-08-28 | 2001-09-04 | Sap Aktiengesellschaft | System and method for encrypting audit information in network applications |
WO2001077868A2 (en) * | 2000-04-05 | 2001-10-18 | Ruesch International, Inc. | System, method and apparatus for international financial transactions |
JP2002133343A (en) * | 2000-10-26 | 2002-05-10 | Dai-Ichi Kangyo Bank Ltd | Charging settlement management system |
JP2002183439A (en) * | 2000-12-14 | 2002-06-28 | Masumi Ito | On-line checking method for commerce transaction party concerned, on-line communication method to commerce transaction party concerned, on-line acceptance information obtaining method, and system for them |
US7398249B2 (en) * | 2002-06-06 | 2008-07-08 | The Bank Of New York Mellon Corporation | ACH debit blocking method and system |
US6685088B1 (en) * | 2002-12-13 | 2004-02-03 | American Express Travel Related Services Company, Inc. | System and method for selecting an account |
US7409370B2 (en) * | 2003-06-30 | 2008-08-05 | Intel Corporation | Secured and selective runtime auditing services using a trusted computing device |
US20050125342A1 (en) * | 2003-10-01 | 2005-06-09 | Steven Schiff | System and method for interactive electronic fund raising and electronic transaction processing |
US7113925B2 (en) * | 2005-01-19 | 2006-09-26 | Echeck21, L.L.C. | Electronic check |
JP2006221295A (en) * | 2005-02-09 | 2006-08-24 | Sharp Corp | Electronic money system, mobile terminal device, and program |
US20060229961A1 (en) * | 2005-04-08 | 2006-10-12 | Efunds Corporation | Risk evaluation method and system using ACH data |
JP2007241448A (en) * | 2006-03-06 | 2007-09-20 | Matsushita Electric Ind Co Ltd | User terminal, terminal and method for payment, payment certificate delivery method, and transfer method |
CN101454794A (en) * | 2006-03-30 | 2009-06-10 | 奥博佩公司 | Mobile person-to-person payment system |
US20090018964A1 (en) * | 2007-07-13 | 2009-01-15 | Sony Ericsson Mobile Communications Ab | Methods, systems, and computer program products for performing a transaction in which a certifier provides identification information for authenticating a customer at the point of sale |
US9071444B2 (en) | 2009-09-17 | 2015-06-30 | Royal Canadian Mint/Monnaie Royale Canadienne | Trusted message storage and transfer protocol and system |
CN102630321A (en) | 2009-09-17 | 2012-08-08 | 加拿大皇家铸币厂 | Asset storage and transfer system for electronic purses |
US8924287B1 (en) * | 2011-08-18 | 2014-12-30 | Sprint Communications Company L.P. | System and methods for mobile electronic funds transfers |
-
2012
- 2012-01-27 KR KR1020137020012A patent/KR101657615B1/en active IP Right Grant
- 2012-01-27 US US13/360,241 patent/US9117213B2/en not_active Expired - Fee Related
- 2012-01-27 EP EP12739771.9A patent/EP2668745A4/en not_active Withdrawn
- 2012-01-27 CA CA2824685A patent/CA2824685A1/en not_active Abandoned
- 2012-01-27 JP JP2013550715A patent/JP2014505305A/en active Pending
- 2012-01-27 WO PCT/CA2012/050042 patent/WO2012100351A1/en active Application Filing
- 2012-01-27 CN CN201280006614XA patent/CN103384985A/en active Pending
- 2012-01-27 AU AU2012210977A patent/AU2012210977B2/en not_active Ceased
Patent Citations (14)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US5903652A (en) * | 1996-11-25 | 1999-05-11 | Microsoft Corporation | System and apparatus for monitoring secure information in a computer network |
EP1107198A2 (en) * | 1999-11-30 | 2001-06-13 | Citibank, Na | System and method for performing an electronic transaction using a transaction proxy with an electronic wallet |
WO2001077931A1 (en) | 2000-04-11 | 2001-10-18 | Joseph Mckenna | Electronic wallet |
US20020077978A1 (en) * | 2000-06-22 | 2002-06-20 | The Chase Manhattan Bank | Method and system for processing internet payments |
US20030069858A1 (en) * | 2001-07-10 | 2003-04-10 | Kenneth Kittlitz | Transaction processing system in a distributed network |
JP2003044769A (en) * | 2001-08-03 | 2003-02-14 | Hitachi Ltd | Electronic wallet and electronic wallet system |
WO2003044710A1 (en) | 2001-10-11 | 2003-05-30 | Trustcopy Pte Ltd | Apparatus, method and system for payment using a mobile device |
US20030105707A1 (en) * | 2001-11-30 | 2003-06-05 | Yves Audebert | Financial risk management system and method |
US7822688B2 (en) * | 2002-08-08 | 2010-10-26 | Fujitsu Limited | Wireless wallet |
WO2005084177A2 (en) * | 2003-11-21 | 2005-09-15 | The Titan Corporation | Secure data management system with mobile data management capability |
US20070011099A1 (en) * | 2005-07-11 | 2007-01-11 | Conrad Sheehan | SECURE ELECTRONIC TRANSACTIONS BETWEEN A MOBILE DEVICE AND OTHER MOBILE, FIXED, or VIRTUAL DEVICES |
US20070255652A1 (en) * | 2006-03-30 | 2007-11-01 | Obopay Inc. | Mobile Person-to-Person Payment System |
US20100133337A1 (en) * | 2006-12-18 | 2010-06-03 | Fundamo (Proprietary) Limited | Portable payment device |
US20080215465A1 (en) * | 2007-03-01 | 2008-09-04 | Accenture | Sales Transaction Hub |
Non-Patent Citations (1)
Title |
---|
See also references of EP2668745A4 * |
Also Published As
Publication number | Publication date |
---|---|
CA2824685A1 (en) | 2012-08-02 |
US20120198550A1 (en) | 2012-08-02 |
JP2014505305A (en) | 2014-02-27 |
AU2012210977A1 (en) | 2013-08-01 |
CN103384985A (en) | 2013-11-06 |
EP2668745A4 (en) | 2016-02-17 |
KR101657615B1 (en) | 2016-09-21 |
KR20140014124A (en) | 2014-02-05 |
AU2012210977B2 (en) | 2016-05-26 |
EP2668745A1 (en) | 2013-12-04 |
US9117213B2 (en) | 2015-08-25 |
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