CA3146619A1 - Systeme et methode d'autorisation de l'utilisation temporaire de comptes - Google Patents

Systeme et methode d'autorisation de l'utilisation temporaire de comptes

Info

Publication number
CA3146619A1
CA3146619A1 CA3146619A CA3146619A CA3146619A1 CA 3146619 A1 CA3146619 A1 CA 3146619A1 CA 3146619 A CA3146619 A CA 3146619A CA 3146619 A CA3146619 A CA 3146619A CA 3146619 A1 CA3146619 A1 CA 3146619A1
Authority
CA
Canada
Prior art keywords
recipient
card
temporary
payment card
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.)
Pending
Application number
CA3146619A
Other languages
English (en)
Inventor
Dinshaw Bharucha
Maja Bukorovic
Lydia Grace Cervini
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.)
Toronto Dominion Bank
Original Assignee
Toronto Dominion Bank
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 Toronto Dominion Bank filed Critical Toronto Dominion Bank
Priority to CA3146619A priority Critical patent/CA3146619A1/fr
Publication of CA3146619A1 publication Critical patent/CA3146619A1/fr
Pending legal-status Critical Current

Links

Classifications

    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/326Payment applications installed on the mobile devices
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/326Payment applications installed on the mobile devices
    • G06Q20/3263Payment applications installed on the mobile devices characterised by activation or deactivation of payment capabilities
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/351Virtual cards
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/354Card activation or deactivation
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, 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
    • G06Q20/401Transaction verification
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, 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
    • G06Q20/405Establishing or using transaction specific rules

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Computer Security & Cryptography (AREA)
  • Finance (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
CA3146619A 2022-01-25 2022-01-25 Systeme et methode d'autorisation de l'utilisation temporaire de comptes Pending CA3146619A1 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CA3146619A CA3146619A1 (fr) 2022-01-25 2022-01-25 Systeme et methode d'autorisation de l'utilisation temporaire de comptes

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CA3146619A CA3146619A1 (fr) 2022-01-25 2022-01-25 Systeme et methode d'autorisation de l'utilisation temporaire de comptes

Publications (1)

Publication Number Publication Date
CA3146619A1 true CA3146619A1 (fr) 2023-07-25

Family

ID=87424018

Family Applications (1)

Application Number Title Priority Date Filing Date
CA3146619A Pending CA3146619A1 (fr) 2022-01-25 2022-01-25 Systeme et methode d'autorisation de l'utilisation temporaire de comptes

Country Status (1)

Country Link
CA (1) CA3146619A1 (fr)

Similar Documents

Publication Publication Date Title
US20220366395A1 (en) Systems and methods for transaction pre-authentication
US11216803B2 (en) Authentication token for wallet based transactions
US11250391B2 (en) Token check offline
RU2698762C2 (ru) Система и способы предоставления зашифрованных данных удаленного сервера
US20220200982A1 (en) Optimizing tokens for identity platforms
US11164173B2 (en) Systems and methods for performing payment transactions using messaging service
US20180276656A1 (en) Instant issuance of virtual payment account card to digital wallet
RU2769946C2 (ru) Система безопасных удаленных транзакций с использованием мобильных устройств
US11631085B2 (en) Digital access code
US11580531B2 (en) Systems and methods for minimizing user interactions for cardholder authentication
US20180107992A1 (en) Social media payment platform apparatuses, methods and systems for processing payments via social media
US11176539B2 (en) Card storage handler for tracking of card data storage across service provider platforms
US11386413B2 (en) Device-based transaction authorization
US10769631B2 (en) Providing payment credentials securely for telephone order transactions
US20230289770A1 (en) Artificial intelligence-based system and method for conditional electronic transaction processing
US10949848B2 (en) Access to ACH transaction functionality via digital wallets
US20190172038A1 (en) Real-time delegated approval of initiated data exchanges by network-connected devices
US20190279196A1 (en) Systems and methods for digitizing payment card accounts
US20230289792A1 (en) System and Method for Authorizing Temporary Use of Accounts
CA3146619A1 (fr) Systeme et methode d'autorisation de l'utilisation temporaire de comptes
US11699157B1 (en) Dynamic generation of digital messages with unique links for direct-to-merchant payments
US20230120485A1 (en) Token-For-Token Provisioning
WO2014019026A1 (fr) Système et procédé de transaction électronique