CA2554173A1 - Systeme et procede permettant d'executer des transactions telephoniques et informatiques securisees - Google Patents
Systeme et procede permettant d'executer des transactions telephoniques et informatiques securisees Download PDFInfo
- Publication number
- CA2554173A1 CA2554173A1 CA002554173A CA2554173A CA2554173A1 CA 2554173 A1 CA2554173 A1 CA 2554173A1 CA 002554173 A CA002554173 A CA 002554173A CA 2554173 A CA2554173 A CA 2554173A CA 2554173 A1 CA2554173 A1 CA 2554173A1
- Authority
- CA
- Canada
- Prior art keywords
- authentication
- payment account
- information
- transaction
- payment
- 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
- 238000000034 method Methods 0.000 title claims abstract description 68
- 230000004044 response Effects 0.000 claims abstract description 25
- 238000012545 processing Methods 0.000 claims description 14
- 230000005540 biological transmission Effects 0.000 claims description 2
- 238000013475 authorization Methods 0.000 abstract description 6
- 230000002452 interceptive effect Effects 0.000 abstract description 3
- 238000010586 diagram Methods 0.000 description 8
- 238000012795 verification Methods 0.000 description 7
- 238000004891 communication Methods 0.000 description 4
- 238000013459 approach Methods 0.000 description 3
- 230000008901 benefit Effects 0.000 description 3
- 238000012986 modification Methods 0.000 description 3
- 230000004048 modification Effects 0.000 description 3
- 238000012546 transfer Methods 0.000 description 3
- 230000008520 organization Effects 0.000 description 2
- 230000002093 peripheral effect Effects 0.000 description 2
- 235000008694 Humulus lupulus Nutrition 0.000 description 1
- 230000004075 alteration Effects 0.000 description 1
- 230000009286 beneficial effect Effects 0.000 description 1
- 238000013480 data collection Methods 0.000 description 1
- 238000013502 data validation Methods 0.000 description 1
- 230000009977 dual effect Effects 0.000 description 1
- 230000006870 function Effects 0.000 description 1
- 238000010295 mobile communication Methods 0.000 description 1
- 230000003287 optical effect Effects 0.000 description 1
- 230000008569 process Effects 0.000 description 1
- 230000011664 signaling Effects 0.000 description 1
- 238000006467 substitution reaction Methods 0.000 description 1
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
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
-
- 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
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
- G06Q20/023—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] the neutral party being a clearing house
-
- 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
- G06Q20/04—Payment circuits
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/12—Payment architectures specially adapted for electronic shopping systems
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/20—Point-of-sale [POS] network 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
- G06Q20/38—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
- G06Q20/38—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
- G06Q20/403—Solvency checks
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—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
- G06Q20/403—Solvency checks
- G06Q20/4037—Remote solvency checks
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
- G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
-
- G—PHYSICS
- G10—MUSICAL INSTRUMENTS; ACOUSTICS
- G10L—SPEECH ANALYSIS TECHNIQUES OR SPEECH SYNTHESIS; SPEECH RECOGNITION; SPEECH OR VOICE PROCESSING TECHNIQUES; SPEECH OR AUDIO CODING OR DECODING
- G10L15/00—Speech recognition
- G10L15/22—Procedures used during a speech recognition process, e.g. man-machine dialogue
Landscapes
- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- Accounting & Taxation (AREA)
- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- Strategic Management (AREA)
- Theoretical Computer Science (AREA)
- Finance (AREA)
- Computer Security & Cryptography (AREA)
- Computational Linguistics (AREA)
- Health & Medical Sciences (AREA)
- Audiology, Speech & Language Pathology (AREA)
- Human Computer Interaction (AREA)
- Acoustics & Sound (AREA)
- Multimedia (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Telephonic Communication Services (AREA)
Applications Claiming Priority (5)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US53876104P | 2004-01-23 | 2004-01-23 | |
US10/764,099 | 2004-01-23 | ||
US10/764,099 US7360694B2 (en) | 2003-01-23 | 2004-01-23 | System and method for secure telephone and computer transactions using voice authentication |
US60/538,761 | 2004-01-23 | ||
PCT/US2005/002591 WO2005072382A2 (fr) | 2004-01-23 | 2005-01-24 | Systeme et procede permettant d'executer des transactions telephoniques et informatiques securisees |
Publications (1)
Publication Number | Publication Date |
---|---|
CA2554173A1 true CA2554173A1 (fr) | 2005-08-11 |
Family
ID=34830467
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
CA002554173A Abandoned CA2554173A1 (fr) | 2004-01-23 | 2005-01-24 | Systeme et procede permettant d'executer des transactions telephoniques et informatiques securisees |
Country Status (8)
Country | Link |
---|---|
EP (1) | EP1709566A4 (fr) |
JP (1) | JP2007523405A (fr) |
KR (1) | KR20060135726A (fr) |
AU (1) | AU2005208908B2 (fr) |
BR (1) | BRPI0507070A (fr) |
CA (1) | CA2554173A1 (fr) |
IL (1) | IL176961A0 (fr) |
WO (1) | WO2005072382A2 (fr) |
Families Citing this family (26)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
DE102005061632B4 (de) * | 2005-12-19 | 2015-11-19 | T-Online International Ag | Verfahren und Vorrichtung zur Autorisierung |
KR20080107400A (ko) | 2006-03-02 | 2008-12-10 | 비자 인터내셔날 써비스 어쏘시에이션 | 통신 판매 및 전화 판매 트랜잭션에서 2개의 팩터 인증을 실행하는 방법 및 시스템 |
US7818264B2 (en) | 2006-06-19 | 2010-10-19 | Visa U.S.A. Inc. | Track data encryption |
CN101485128B (zh) * | 2006-06-19 | 2016-08-03 | 维萨美国股份有限公司 | 便携式消费者设备验证系统 |
BRPI0808630A2 (pt) * | 2007-03-16 | 2014-08-05 | Thomson Licensing | Interceptação de chamadas no nível de uma base |
US9443253B2 (en) | 2009-07-27 | 2016-09-13 | Visa International Service Association | Systems and methods to provide and adjust offers |
US10546332B2 (en) * | 2010-09-21 | 2020-01-28 | Visa International Service Association | Systems and methods to program operations for interaction with users |
US9697520B2 (en) | 2010-03-22 | 2017-07-04 | Visa U.S.A. Inc. | Merchant configured advertised incentives funded through statement credits |
US8359274B2 (en) | 2010-06-04 | 2013-01-22 | Visa International Service Association | Systems and methods to provide messages in real-time with transaction processing |
US9972021B2 (en) | 2010-08-06 | 2018-05-15 | Visa International Service Association | Systems and methods to rank and select triggers for real-time offers |
US9679299B2 (en) | 2010-09-03 | 2017-06-13 | Visa International Service Association | Systems and methods to provide real-time offers via a cooperative database |
US9477967B2 (en) | 2010-09-21 | 2016-10-25 | Visa International Service Association | Systems and methods to process an offer campaign based on ineligibility |
US10055745B2 (en) | 2010-09-21 | 2018-08-21 | Visa International Service Association | Systems and methods to modify interaction rules during run time |
US9558502B2 (en) | 2010-11-04 | 2017-01-31 | Visa International Service Association | Systems and methods to reward user interactions |
US10438299B2 (en) | 2011-03-15 | 2019-10-08 | Visa International Service Association | Systems and methods to combine transaction terminal location data and social networking check-in |
US10223707B2 (en) | 2011-08-19 | 2019-03-05 | Visa International Service Association | Systems and methods to communicate offer options via messaging in real time with processing of payment transaction |
US9466075B2 (en) | 2011-09-20 | 2016-10-11 | Visa International Service Association | Systems and methods to process referrals in offer campaigns |
US10380617B2 (en) | 2011-09-29 | 2019-08-13 | Visa International Service Association | Systems and methods to provide a user interface to control an offer campaign |
US10290018B2 (en) | 2011-11-09 | 2019-05-14 | Visa International Service Association | Systems and methods to communicate with users via social networking sites |
US10497022B2 (en) | 2012-01-20 | 2019-12-03 | Visa International Service Association | Systems and methods to present and process offers |
US10672018B2 (en) | 2012-03-07 | 2020-06-02 | Visa International Service Association | Systems and methods to process offers via mobile devices |
US10489754B2 (en) | 2013-11-11 | 2019-11-26 | Visa International Service Association | Systems and methods to facilitate the redemption of offer benefits in a form of third party statement credits |
US10419379B2 (en) | 2014-04-07 | 2019-09-17 | Visa International Service Association | Systems and methods to program a computing system to process related events via workflows configured using a graphical user interface |
US20150317630A1 (en) * | 2014-04-30 | 2015-11-05 | MasterCard Incorporated International | Method and system for authentication token generation |
US10354268B2 (en) | 2014-05-15 | 2019-07-16 | Visa International Service Association | Systems and methods to organize and consolidate data for improved data storage and processing |
US11210669B2 (en) | 2014-10-24 | 2021-12-28 | Visa International Service Association | Systems and methods to set up an operation at a computer system connected with a plurality of computer systems via a computer network using a round trip communication of an identifier of the operation |
Family Cites Families (7)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
NL1001387C2 (nl) * | 1995-10-10 | 1997-04-11 | Nederland Ptt | Stelsel voor het elektronisch bestellen en betalen van diensten via een communicatienetwerk. |
US6266640B1 (en) * | 1996-08-06 | 2001-07-24 | Dialogic Corporation | Data network with voice verification means |
GB2366432A (en) * | 2000-09-04 | 2002-03-06 | Sonera Smarttrust Oy | Secure electronic payment system |
WO2002071176A2 (fr) * | 2001-03-08 | 2002-09-12 | Cyota Inc. | Systeme de transaction |
US20020116333A1 (en) * | 2001-02-20 | 2002-08-22 | Mcdonnell Joseph A. | Method of authenticating a payment account user |
JP2002366869A (ja) * | 2001-06-11 | 2002-12-20 | Sony Corp | 電子商取引支援方法及びそれを用いた電子商取引方法 |
US7707120B2 (en) * | 2002-04-17 | 2010-04-27 | Visa International Service Association | Mobile account authentication service |
-
2005
- 2005-01-24 CA CA002554173A patent/CA2554173A1/fr not_active Abandoned
- 2005-01-24 KR KR1020067015137A patent/KR20060135726A/ko not_active Application Discontinuation
- 2005-01-24 EP EP05706112A patent/EP1709566A4/fr not_active Withdrawn
- 2005-01-24 AU AU2005208908A patent/AU2005208908B2/en not_active Ceased
- 2005-01-24 JP JP2006551471A patent/JP2007523405A/ja active Pending
- 2005-01-24 WO PCT/US2005/002591 patent/WO2005072382A2/fr active Application Filing
- 2005-01-24 BR BRPI0507070-8A patent/BRPI0507070A/pt not_active Application Discontinuation
-
2006
- 2006-07-19 IL IL176961A patent/IL176961A0/en not_active IP Right Cessation
Also Published As
Publication number | Publication date |
---|---|
KR20060135726A (ko) | 2006-12-29 |
WO2005072382A3 (fr) | 2006-01-19 |
IL176961A0 (en) | 2006-12-10 |
EP1709566A2 (fr) | 2006-10-11 |
EP1709566A4 (fr) | 2007-07-18 |
AU2005208908B2 (en) | 2011-08-11 |
BRPI0507070A (pt) | 2007-06-19 |
JP2007523405A (ja) | 2007-08-16 |
AU2005208908A1 (en) | 2005-08-11 |
WO2005072382A2 (fr) | 2005-08-11 |
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Legal Events
Date | Code | Title | Description |
---|---|---|---|
EEER | Examination request | ||
FZDE | Discontinued |
Effective date: 20140716 |