CA2832754C - Method and system for enabling merchants to share tokens - Google Patents

Method and system for enabling merchants to share tokens Download PDF

Info

Publication number
CA2832754C
CA2832754C CA2832754A CA2832754A CA2832754C CA 2832754 C CA2832754 C CA 2832754C CA 2832754 A CA2832754 A CA 2832754A CA 2832754 A CA2832754 A CA 2832754A CA 2832754 C CA2832754 C CA 2832754C
Authority
CA
Canada
Prior art keywords
merchant
token
chd
access
party
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.)
Expired - Fee Related
Application number
CA2832754A
Other languages
English (en)
French (fr)
Other versions
CA2832754A1 (en
Inventor
Kevin James Cronic
Steven Mark Sommers
John David Oder Ii
John David Oder
Steven CALANDRELLI
Jeremy B. Fried
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Shift4 Corp
Original Assignee
Shift4 Corp
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
Priority claimed from US13/303,983 external-priority patent/US9256874B2/en
Application filed by Shift4 Corp filed Critical Shift4 Corp
Publication of CA2832754A1 publication Critical patent/CA2832754A1/en
Application granted granted Critical
Publication of CA2832754C publication Critical patent/CA2832754C/en
Expired - Fee Related legal-status Critical Current
Anticipated expiration legal-status Critical

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q10/00—Administration; Management
    • G06Q10/06—Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
    • G06Q10/067—Enterprise or organisation modelling
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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

Landscapes

  • Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Engineering & Computer Science (AREA)
  • Economics (AREA)
  • Human Resources & Organizations (AREA)
  • General Physics & Mathematics (AREA)
  • Development Economics (AREA)
  • Entrepreneurship & Innovation (AREA)
  • Theoretical Computer Science (AREA)
  • Marketing (AREA)
  • General Business, Economics & Management (AREA)
  • Physics & Mathematics (AREA)
  • Tourism & Hospitality (AREA)
  • Quality & Reliability (AREA)
  • Operations Research (AREA)
  • Educational Administration (AREA)
  • Game Theory and Decision Science (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Storage Device Security (AREA)
CA2832754A 2011-04-15 2012-04-13 Method and system for enabling merchants to share tokens Expired - Fee Related CA2832754C (en)

Applications Claiming Priority (7)

Application Number Priority Date Filing Date Title
US201161476194P 2011-04-15 2011-04-15
US61/476,194 2011-04-15
US13/303,983 2011-11-23
US13/303,983 US9256874B2 (en) 2011-04-15 2011-11-23 Method and system for enabling merchants to share tokens
US201261621222P 2012-04-06 2012-04-06
US61/621,222 2012-04-06
PCT/US2012/033457 WO2012142370A2 (en) 2011-04-15 2012-04-13 Method and system for enabling merchants to share tokens

Publications (2)

Publication Number Publication Date
CA2832754A1 CA2832754A1 (en) 2012-10-18
CA2832754C true CA2832754C (en) 2019-08-27

Family

ID=47009983

Family Applications (1)

Application Number Title Priority Date Filing Date
CA2832754A Expired - Fee Related CA2832754C (en) 2011-04-15 2012-04-13 Method and system for enabling merchants to share tokens

Country Status (3)

Country Link
EP (1) EP2697756A4 (de)
CA (1) CA2832754C (de)
WO (1) WO2012142370A2 (de)

Families Citing this family (128)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US8762263B2 (en) 2005-09-06 2014-06-24 Visa U.S.A. Inc. System and method for secured account numbers in proximity devices
US8121956B2 (en) 2007-06-25 2012-02-21 Visa U.S.A. Inc. Cardless challenge systems and methods
US7739169B2 (en) 2007-06-25 2010-06-15 Visa U.S.A. Inc. Restricting access to compromised account information
US7937324B2 (en) 2007-09-13 2011-05-03 Visa U.S.A. Inc. Account permanence
US8219489B2 (en) 2008-07-29 2012-07-10 Visa U.S.A. Inc. Transaction processing using a global unique identifier
CA2742963A1 (en) 2008-11-06 2010-05-14 Visa International Service Association Online challenge-response
US9715681B2 (en) 2009-04-28 2017-07-25 Visa International Service Association Verification of portable consumer devices
US8602293B2 (en) 2009-05-15 2013-12-10 Visa International Service Association Integration of verification tokens with portable computing devices
US9105027B2 (en) 2009-05-15 2015-08-11 Visa International Service Association Verification of portable consumer device for secure services
US10846683B2 (en) 2009-05-15 2020-11-24 Visa International Service Association Integration of verification tokens with mobile communication devices
US8534564B2 (en) 2009-05-15 2013-09-17 Ayman Hammad Integration of verification tokens with mobile communication devices
US9038886B2 (en) 2009-05-15 2015-05-26 Visa International Service Association Verification of portable consumer devices
US8893967B2 (en) 2009-05-15 2014-11-25 Visa International Service Association Secure Communication of payment information to merchants using a verification token
US7891560B2 (en) 2009-05-15 2011-02-22 Visa International Service Assocation Verification of portable consumer devices
US10140598B2 (en) 2009-05-20 2018-11-27 Visa International Service Association Device including encrypted data for expiration date and verification value creation
US10255591B2 (en) 2009-12-18 2019-04-09 Visa International Service Association Payment channel returning limited use proxy dynamic value
AU2011205391B2 (en) 2010-01-12 2014-11-20 Visa International Service Association Anytime validation for verification tokens
US10255601B2 (en) 2010-02-25 2019-04-09 Visa International Service Association Multifactor authentication using a directory server
US9245267B2 (en) 2010-03-03 2016-01-26 Visa International Service Association Portable account number for consumer payment account
US9342832B2 (en) 2010-08-12 2016-05-17 Visa International Service Association Securing external systems with account token substitution
US10586227B2 (en) 2011-02-16 2020-03-10 Visa International Service Association Snap mobile payment apparatuses, methods and systems
AU2012217606A1 (en) 2011-02-16 2013-05-09 Visa International Service Association Snap mobile payment apparatuses, methods and systems
SG193510A1 (en) 2011-02-22 2013-10-30 Visa Int Service Ass Universal electronic payment apparatuses, methods and systems
WO2012122049A2 (en) 2011-03-04 2012-09-13 Visa International Service Association Integration of payment capability into secure elements of computers
WO2012142045A2 (en) 2011-04-11 2012-10-18 Visa International Service Association Multiple tokenization for authentication
US9256874B2 (en) 2011-04-15 2016-02-09 Shift4 Corporation Method and system for enabling merchants to share tokens
US8688589B2 (en) 2011-04-15 2014-04-01 Shift4 Corporation Method and system for utilizing authorization factor pools
US9818111B2 (en) 2011-04-15 2017-11-14 Shift4 Corporation Merchant-based token sharing
US9355393B2 (en) 2011-08-18 2016-05-31 Visa International Service Association Multi-directional wallet connector apparatuses, methods and systems
US9582598B2 (en) 2011-07-05 2017-02-28 Visa International Service Association Hybrid applications utilizing distributed models and views apparatuses, methods and systems
AU2012278963B2 (en) 2011-07-05 2017-02-23 Visa International Service Association Electronic wallet checkout platform apparatuses, methods and systems
US9704155B2 (en) 2011-07-29 2017-07-11 Visa International Service Association Passing payment tokens through an hop/sop
US10825001B2 (en) 2011-08-18 2020-11-03 Visa International Service Association Multi-directional wallet connector apparatuses, methods and systems
US10242358B2 (en) 2011-08-18 2019-03-26 Visa International Service Association Remote decoupled application persistent state apparatuses, methods and systems
US12462245B2 (en) 2011-08-18 2025-11-04 Visa International Service Association Remote decoupled application persistent state apparatuses, methods and systems
US9710807B2 (en) 2011-08-18 2017-07-18 Visa International Service Association Third-party value added wallet features and interfaces apparatuses, methods and systems
WO2013029014A2 (en) 2011-08-24 2013-02-28 Visa International Service Association Method for using barcodes and mobile devices to conduct payment transactions
US10223730B2 (en) 2011-09-23 2019-03-05 Visa International Service Association E-wallet store injection search apparatuses, methods and systems
US11354723B2 (en) 2011-09-23 2022-06-07 Visa International Service Association Smart shopping cart with E-wallet store injection search
US10223710B2 (en) 2013-01-04 2019-03-05 Visa International Service Association Wearable intelligent vision device apparatuses, methods and systems
EP2801061B1 (de) 2012-01-05 2020-08-26 Visa International Service Association Datenschutz mit übersetzung
WO2013113004A1 (en) 2012-01-26 2013-08-01 Visa International Service Association System and method of providing tokenization as a service
AU2013214801B2 (en) 2012-02-02 2018-06-21 Visa International Service Association Multi-source, multi-dimensional, cross-entity, multimedia database platform apparatuses, methods and systems
US10282724B2 (en) 2012-03-06 2019-05-07 Visa International Service Association Security system incorporating mobile device
WO2013166501A1 (en) 2012-05-04 2013-11-07 Visa International Service Association System and method for local data conversion
US9524501B2 (en) 2012-06-06 2016-12-20 Visa International Service Association Method and system for correlating diverse transaction data
WO2014008403A1 (en) 2012-07-03 2014-01-09 Visa International Service Association Data protection hub
US9846861B2 (en) 2012-07-25 2017-12-19 Visa International Service Association Upstream and downstream data conversion
US9256871B2 (en) 2012-07-26 2016-02-09 Visa U.S.A. Inc. Configurable payment tokens
US9665722B2 (en) 2012-08-10 2017-05-30 Visa International Service Association Privacy firewall
WO2014043278A1 (en) 2012-09-11 2014-03-20 Visa International Service Association Cloud-based virtual wallet nfc apparatuses, methods and systems
WO2014066559A1 (en) 2012-10-23 2014-05-01 Visa International Service Association Transaction initiation determination system utilizing transaction data elements
US9911118B2 (en) 2012-11-21 2018-03-06 Visa International Service Association Device pairing via trusted intermediary
US10304047B2 (en) 2012-12-07 2019-05-28 Visa International Service Association Token generating component
US9741051B2 (en) 2013-01-02 2017-08-22 Visa International Service Association Tokenization and third-party interaction
US10740731B2 (en) 2013-01-02 2020-08-11 Visa International Service Association Third party settlement
US11055710B2 (en) 2013-05-02 2021-07-06 Visa International Service Association Systems and methods for verifying and processing transactions using virtual currency
EP2997532A4 (de) 2013-05-15 2016-05-11 Visa Int Service Ass Mobiler tokenisierungshub
US10878422B2 (en) 2013-06-17 2020-12-29 Visa International Service Association System and method using merchant token
CN113469670B (zh) 2013-07-24 2024-04-05 维萨国际服务协会 使用令牌确保数据传送风险的系统和方法
WO2015011655A1 (en) 2013-07-26 2015-01-29 Visa International Service Association Provisioning payment credentials to a consumer
US10496986B2 (en) 2013-08-08 2019-12-03 Visa International Service Association Multi-network tokenization processing
US10510073B2 (en) 2013-08-08 2019-12-17 Visa International Service Association Methods and systems for provisioning mobile devices with payment credentials
CN105830414B (zh) * 2013-10-01 2019-07-12 阿里斯企业有限责任公司 使用凭证的安全的网络接入
CN106464492B (zh) 2013-10-11 2020-02-07 维萨国际服务协会 网络令牌系统
US9978094B2 (en) 2013-10-11 2018-05-22 Visa International Service Association Tokenization revocation list
US10515358B2 (en) 2013-10-18 2019-12-24 Visa International Service Association Contextual transaction token methods and systems
US10489779B2 (en) 2013-10-21 2019-11-26 Visa International Service Association Multi-network token bin routing with defined verification parameters
US10366387B2 (en) 2013-10-29 2019-07-30 Visa International Service Association Digital wallet system and method
CA2930149A1 (en) 2013-11-19 2015-05-28 Visa International Service Association Automated account provisioning
US9922322B2 (en) 2013-12-19 2018-03-20 Visa International Service Association Cloud-based transactions with magnetic secure transmission
BR112016014106A2 (pt) 2013-12-19 2017-08-08 Visa Int Service Ass Método para intensificar a segurança de um dispositivo de comunicação, e, dispositivo de comunicação
US10433128B2 (en) 2014-01-07 2019-10-01 Visa International Service Association Methods and systems for provisioning multiple devices
US9846878B2 (en) 2014-01-14 2017-12-19 Visa International Service Association Payment account identifier system
US12469021B2 (en) 2014-02-18 2025-11-11 Visa International Service Association Limited-use keys and cryptograms
GB2523350A (en) 2014-02-21 2015-08-26 Ibm Implementing single sign-on in a transaction processing system
US10026087B2 (en) 2014-04-08 2018-07-17 Visa International Service Association Data passed in an interaction
US9942043B2 (en) 2014-04-23 2018-04-10 Visa International Service Association Token security on a communication device
SG11201608973TA (en) 2014-05-01 2016-11-29 Visa Int Service Ass Data verification using access device
CN106462849B (zh) 2014-05-05 2019-12-24 维萨国际服务协会 用于令牌域控制的系统和方法
WO2015179637A1 (en) 2014-05-21 2015-11-26 Visa International Service Association Offline authentication
US11023890B2 (en) 2014-06-05 2021-06-01 Visa International Service Association Identification and verification for provisioning mobile application
US9780953B2 (en) 2014-07-23 2017-10-03 Visa International Service Association Systems and methods for secure detokenization
US10484345B2 (en) 2014-07-31 2019-11-19 Visa International Service Association System and method for identity verification across mobile applications
US9775029B2 (en) 2014-08-22 2017-09-26 Visa International Service Association Embedding cloud-based functionalities in a communication device
US10140615B2 (en) 2014-09-22 2018-11-27 Visa International Service Association Secure mobile device credential provisioning using risk decision non-overrides
RU2698762C2 (ru) 2014-09-26 2019-08-29 Виза Интернэшнл Сервис Ассосиэйшн Система и способы предоставления зашифрованных данных удаленного сервера
US11257074B2 (en) 2014-09-29 2022-02-22 Visa International Service Association Transaction risk based token
US10015147B2 (en) 2014-10-22 2018-07-03 Visa International Service Association Token enrollment system and method
GB201419016D0 (en) 2014-10-24 2014-12-10 Visa Europe Ltd Transaction Messaging
US10325261B2 (en) 2014-11-25 2019-06-18 Visa International Service Association Systems communications with non-sensitive identifiers
RU2708945C2 (ru) 2014-11-26 2019-12-12 Виза Интернэшнл Сервис Ассосиэйшн Запрос на преобразование в маркер посредством устройства доступа
US10257185B2 (en) 2014-12-12 2019-04-09 Visa International Service Association Automated access data provisioning
BR112017011176A2 (pt) 2014-12-12 2018-02-27 Visa Int Service Ass método, dispositivo eletrônico, e, primeiro dispositivo eletrônico
US10187363B2 (en) 2014-12-31 2019-01-22 Visa International Service Association Hybrid integration of software development kit with secure execution environment
US10096009B2 (en) 2015-01-20 2018-10-09 Visa International Service Association Secure payment processing using authorization request
US11250391B2 (en) 2015-01-30 2022-02-15 Visa International Service Association Token check offline
WO2016126729A1 (en) 2015-02-03 2016-08-11 Visa International Service Association Validation identity tokens for transactions
US10977657B2 (en) 2015-02-09 2021-04-13 Visa International Service Association Token processing utilizing multiple authorizations
US10164996B2 (en) 2015-03-12 2018-12-25 Visa International Service Association Methods and systems for providing a low value token buffer
EP3281164B1 (de) 2015-04-10 2019-06-05 Visa International Service Association Browserintegration mit kryptogramm
US9998978B2 (en) 2015-04-16 2018-06-12 Visa International Service Association Systems and methods for processing dormant virtual access devices
US10552834B2 (en) 2015-04-30 2020-02-04 Visa International Service Association Tokenization capable authentication framework
SG10202007121XA (en) 2015-10-15 2020-09-29 Visa Int Service Ass Instant token issuance system
CA3003917A1 (en) 2015-12-04 2017-06-08 Visa International Service Association Unique code for token verification
US10243958B2 (en) 2016-01-07 2019-03-26 Visa International Service Association Systems and methods for device push provisoning
WO2017136418A1 (en) 2016-02-01 2017-08-10 Visa International Service Association Systems and methods for code display and use
US11501288B2 (en) 2016-02-09 2022-11-15 Visa International Service Association Resource provider account token provisioning and processing
US10313321B2 (en) 2016-04-07 2019-06-04 Visa International Service Association Tokenization of co-network accounts
WO2017184121A1 (en) 2016-04-19 2017-10-26 Visa International Service Association Systems and methods for performing push transactions
US11250424B2 (en) 2016-05-19 2022-02-15 Visa International Service Association Systems and methods for creating subtokens using primary tokens
AU2016409079B2 (en) 2016-06-03 2021-07-22 Visa International Service Association Subtoken management system for connected devices
US11068899B2 (en) 2016-06-17 2021-07-20 Visa International Service Association Token aggregation for multi-party transactions
CA3021357A1 (en) 2016-06-24 2017-12-28 Visa International Service Association Unique token authentication cryptogram
CN116471105A (zh) 2016-07-11 2023-07-21 维萨国际服务协会 使用访问装置的加密密钥交换过程
US10990967B2 (en) 2016-07-19 2021-04-27 Visa International Service Association Method of distributing tokens and managing token relationships
US10509779B2 (en) 2016-09-14 2019-12-17 Visa International Service Association Self-cleaning token vault
AU2017364118A1 (en) 2016-11-28 2019-05-02 Visa International Service Association Access identifier provisioning to application
US10915899B2 (en) 2017-03-17 2021-02-09 Visa International Service Association Replacing token on a multi-token user device
US10902418B2 (en) 2017-05-02 2021-01-26 Visa International Service Association System and method using interaction token
US11494765B2 (en) 2017-05-11 2022-11-08 Visa International Service Association Secure remote transaction system using mobile devices
US10491389B2 (en) 2017-07-14 2019-11-26 Visa International Service Association Token provisioning utilizing a secure authentication system
SG11202008451RA (en) 2018-03-07 2020-09-29 Visa Int Service Ass Secure remote token release with online authentication
US11256789B2 (en) 2018-06-18 2022-02-22 Visa International Service Association Recurring token transactions
US12481980B2 (en) 2018-06-22 2025-11-25 Visa International Service Association Secure remote transaction framework using dynamic secure checkout element
CN112805737A (zh) 2018-10-08 2021-05-14 维萨国际服务协会 用于令牌邻近交易的技术
SG11202108626QA (en) 2019-05-17 2021-09-29 Visa Int Service Ass Virtual access credential interaction system and method
US12141800B2 (en) 2021-02-12 2024-11-12 Visa International Service Association Interaction account tokenization system and method

Family Cites Families (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20020133412A1 (en) * 1997-03-07 2002-09-19 David M. Oliver System for management of transactions on networks
US6327578B1 (en) * 1998-12-29 2001-12-04 International Business Machines Corporation Four-party credit/debit payment protocol
KR100450402B1 (ko) * 2002-04-17 2004-09-30 한국전자통신연구원 컴퓨터 시스템에 있어서 보안속성을 갖는 토큰을 이용한접근 제어방법
US20080208697A1 (en) * 2007-02-23 2008-08-28 Kargman James B Secure system and method for payment card and data storage and processing via information splitting
US20100276484A1 (en) * 2009-05-01 2010-11-04 Ashim Banerjee Staged transaction token for merchant rating

Also Published As

Publication number Publication date
EP2697756A2 (de) 2014-02-19
CA2832754A1 (en) 2012-10-18
WO2012142370A3 (en) 2012-12-06
WO2012142370A2 (en) 2012-10-18
EP2697756A4 (de) 2014-09-10

Similar Documents

Publication Publication Date Title
US12175455B2 (en) Method and system for enabling merchants to share tokens
CA2832754C (en) Method and system for enabling merchants to share tokens
US20200234287A1 (en) Method and system for utilizing authorization factor pools
US9818111B2 (en) Merchant-based token sharing
US10999268B2 (en) System and method for electronic credentials
CN104919446B (zh) 用于电子地存取账户信息的方法和系统
US20170201518A1 (en) Method and system for real-time authentication of user access to a resource
US20160300231A1 (en) Push notification authentication platform for secured form filling
US10896249B2 (en) Secure electronic authentication of a user on an electronic device
US10764049B2 (en) Method for determining approval for access to gate through network, and server and computer-readable recording media using the same
US20190098009A1 (en) Systems and methods for authentication using authentication management server and device application
JP2018502410A (ja) 共通識別データ置換システムおよび方法
NO344678B1 (en) Identification system and method
US20210133760A1 (en) Multi-factor authentication for business to consumer transactions
US11044247B2 (en) Systems and methods for authentication using authentication management server and device application
US8613105B2 (en) Method and apparatus for storing confidential information
US20210297403A1 (en) Systems and methods for authentication using authentication management server and device application
US20210406395A1 (en) Personal information vault
US11562060B2 (en) Secure private portable vault container
US12008641B1 (en) Near instantaneous payment card or loan approval using digital identity
US20150269662A1 (en) Method and apparatus for verifying a validity of communication from a fraud detection service

Legal Events

Date Code Title Description
EEER Examination request

Effective date: 20170404

MKLA Lapsed

Effective date: 20210413