IL271643B2 - UI-Individual Account IDs - Google Patents

UI-Individual Account IDs

Info

Publication number
IL271643B2
IL271643B2 IL271643A IL27164319A IL271643B2 IL 271643 B2 IL271643 B2 IL 271643B2 IL 271643 A IL271643 A IL 271643A IL 27164319 A IL27164319 A IL 27164319A IL 271643 B2 IL271643 B2 IL 271643B2
Authority
IL
Israel
Prior art keywords
identified
merchant
credit card
transaction
card number
Prior art date
Application number
IL271643A
Other languages
English (en)
Hebrew (he)
Other versions
IL271643A (en
IL271643B1 (en
Original Assignee
Goldman Sachs Bank Usa
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 Goldman Sachs Bank Usa filed Critical Goldman Sachs Bank Usa
Publication of IL271643A publication Critical patent/IL271643A/en
Publication of IL271643B1 publication Critical patent/IL271643B1/en
Publication of IL271643B2 publication Critical patent/IL271643B2/en

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06F21/62—Protecting access to data via a platform, e.g. using keys or access control rules
    • G06F21/6218—Protecting access to data via a platform, e.g. using keys or access control rules to a system of files or objects, e.g. local or distributed file system or database
    • 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
    • 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
    • G06Q20/409—Device specific authentication in transaction processing
    • G06Q20/4097—Device specific authentication in transaction processing using mutual authentication between devices and transaction partners
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06F21/604—Tools and structures for managing or administering access control systems
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
    • G06F21/31—User authentication
    • G06F21/34—User authentication involving the use of external additional devices, e.g. dongles or smart cards
    • 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
    • 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 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3278—RFID or NFC payments by means of M-devices
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • 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
    • 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
    • G06Q20/40145—Biometric identity checks
    • 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
    • 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
    • G06Q20/405—Establishing or using transaction specific rules
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment

Landscapes

  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • Computer Security & Cryptography (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Finance (AREA)
  • Computer Hardware Design (AREA)
  • General Engineering & Computer Science (AREA)
  • Software Systems (AREA)
  • Bioethics (AREA)
  • Health & Medical Sciences (AREA)
  • General Health & Medical Sciences (AREA)
  • Automation & Control Theory (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Databases & Information Systems (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Storage Device Security (AREA)
  • Telephonic Communication Services (AREA)
IL271643A 2017-06-28 2018-06-28 UI-Individual Account IDs IL271643B2 (en)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
US201762526310P 2017-06-28 2017-06-28
US201762526315P 2017-06-28 2017-06-28
PCT/US2018/040121 WO2019006187A1 (en) 2017-06-28 2018-06-28 IDENTIFIERS OF ACCOUNT-SPECIFIC ACCOUNTS

Publications (3)

Publication Number Publication Date
IL271643A IL271643A (en) 2020-02-27
IL271643B1 IL271643B1 (en) 2023-12-01
IL271643B2 true IL271643B2 (en) 2024-04-01

Family

ID=64742224

Family Applications (1)

Application Number Title Priority Date Filing Date
IL271643A IL271643B2 (en) 2017-06-28 2018-06-28 UI-Individual Account IDs

Country Status (11)

Country Link
US (1) US10657536B2 (enExample)
EP (1) EP3646229A4 (enExample)
JP (1) JP7150839B2 (enExample)
KR (1) KR102523695B1 (enExample)
CN (1) CN111263941A (enExample)
AU (1) AU2018290959A1 (enExample)
CA (1) CA3068134A1 (enExample)
IL (1) IL271643B2 (enExample)
SG (1) SG11201912934XA (enExample)
WO (1) WO2019006187A1 (enExample)
ZA (1) ZA201908612B (enExample)

Families Citing this family (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US11847650B2 (en) * 2018-08-03 2023-12-19 International Business Machines Corporation Methods and systems for managing personal device security
CA3147600A1 (en) * 2019-07-18 2021-01-21 Equifax Inc. Secure resource management to prevent fraudulent resource access
US11682006B2 (en) * 2019-11-25 2023-06-20 Digipay, LLC Multi-use digital financial card for networked transactions
US10970419B1 (en) * 2020-07-31 2021-04-06 Snowflake Inc. Data clean room
US12056112B2 (en) * 2021-05-28 2024-08-06 Bank Of America Corporation Data feed meta detail categorization for confidence
US12050587B2 (en) * 2021-05-28 2024-07-30 Bank Of America Corporation Data feed meta detail categorization for confidence
KR102493586B1 (ko) * 2021-06-23 2023-01-31 (주)엔시스 사용자별 독립적인 데이터 운용 및 유저 인터페이스 구성이 가능하고, 다층적인 다단계 보안이 적용된 엣지 컴퓨팅 시스템

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20110022628A1 (en) * 2002-02-20 2011-01-27 Bank Of America Corporation Matching Merchant Names from Transaction Data
KR20120076521A (ko) * 2010-11-29 2012-07-09 인포뱅크 주식회사 사용권한 설정이 가능한 직불카드를 기반으로 한 결제대행 중계시스템 및 그 방법
US20140236831A1 (en) * 1998-03-25 2014-08-21 Orbis Patents Ltd. Credit card system and method
US20160358167A1 (en) * 2015-06-05 2016-12-08 Apple Inc. User interface for loyalty accounts and private label accounts

Family Cites Families (31)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6324526B1 (en) * 1999-01-15 2001-11-27 D'agostino John System and method for performing secure credit card purchases
JP2002063374A (ja) * 2000-08-16 2002-02-28 Nec Corp 代金決済代行システム及び代金決済代行方法
US7996288B1 (en) * 2000-11-15 2011-08-09 Iprivacy, Llc Method and system for processing recurrent consumer transactions
US7104443B1 (en) * 2001-04-23 2006-09-12 Debitman Card, Inc. Method and system for facilitating electronic funds transactions
US20030014357A1 (en) * 2001-07-16 2003-01-16 General Motors Corporation Method and system for conducting user defined mobile commerce
US8682784B2 (en) * 2004-07-16 2014-03-25 Ebay, Inc. Method and system to process credit card payment transactions initiated by a merchant
US7502760B1 (en) * 2004-07-19 2009-03-10 Amazon Technologies, Inc. Providing payments automatically in accordance with predefined instructions
US8464938B2 (en) * 2007-06-22 2013-06-18 Intelispend Prepaid Solutions, Llc Client customized virtual or physical card for use with selected merchants
US7860784B2 (en) * 2006-12-29 2010-12-28 Ebay Inc. Method and system for user payment account management
US10163092B2 (en) * 2007-08-18 2018-12-25 Expensify, Inc. System and method for establishing a payment mechanism with a plurality of merchants
US8805736B2 (en) * 2008-03-08 2014-08-12 Stefan Melik-Aslanian Fraud prevention and replacement of credit/debit cards—lost, stolen, defective or fraudulently used
US8046268B2 (en) * 2008-07-14 2011-10-25 Shop Ma, Inc. Multi-merchant payment system
US8799067B2 (en) * 2008-09-12 2014-08-05 Visa Usa Inc. System and method for a merchant debit card program including a plurality of issuers
US8423453B1 (en) * 2009-10-07 2013-04-16 Capital One Financial Corporation Systems and methods for processing a transaction
KR101144930B1 (ko) * 2010-05-31 2012-05-11 중소기업은행 카드사서버에서 복수의 카드번호를 가지는 신용카드 관리 장치, 방법 및 기록매체
US9027083B2 (en) * 2011-08-05 2015-05-05 Bank Of America Corporation Management of access identifiers
US20130151388A1 (en) * 2011-12-12 2013-06-13 Visa International Service Association Systems and methods to identify affluence levels of accounts
CN104969235B (zh) * 2013-01-31 2018-02-02 日本电气株式会社 网络系统
JP5634547B2 (ja) * 2013-03-05 2014-12-03 株式会社エヌ・ティ・ティ・データ サービス提供装置およびサービス提供方法
HK1213076A1 (zh) * 2013-03-15 2016-06-24 维萨国际服务协会 捕捉移動安全裝置、方法和系統
CN105531733B (zh) * 2013-07-31 2021-04-23 维萨国际服务协会 使得支付能够仅由一个商家处理
US20150112780A1 (en) * 2013-10-21 2015-04-23 Mastercard International Incorporated Method and system for processing of a real-time rebate at transaction authorization
US20150186908A1 (en) * 2013-12-27 2015-07-02 Mastercard International Incorporated Method and system for accelerating payment card usage behavior change
US20150339663A1 (en) * 2014-05-21 2015-11-26 Mastercard International Incorporated Methods of payment token lifecycle management on a mobile device
US10068244B2 (en) * 2014-08-25 2018-09-04 Capital One Services, Llc Systems and methods for suggesting financial account cards stored on a wireless device
GB2530345A (en) * 2014-09-22 2016-03-23 Mastercard International Inc Payment systems and methods for managing payment card use
US20160335634A1 (en) * 2015-05-14 2016-11-17 Mastercard International Incorporated Method and System for Partial Approval of Virtual Card Transactions
JP6645064B2 (ja) * 2015-07-30 2020-02-12 凸版印刷株式会社 情報管理サーバ、および、決済システム
US10373169B2 (en) * 2015-08-11 2019-08-06 Paypal, Inc. Enhancing information security via the use of a dummy credit card number
EP3136330A1 (en) * 2015-08-28 2017-03-01 Mastercard International Incorporated Assessing credit risk
US11004071B2 (en) 2015-09-09 2021-05-11 Pay with Privacy, Inc. Systems and methods for automatically securing and validating multi-server electronic communications over a plurality of networks

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20140236831A1 (en) * 1998-03-25 2014-08-21 Orbis Patents Ltd. Credit card system and method
US20110022628A1 (en) * 2002-02-20 2011-01-27 Bank Of America Corporation Matching Merchant Names from Transaction Data
KR20120076521A (ko) * 2010-11-29 2012-07-09 인포뱅크 주식회사 사용권한 설정이 가능한 직불카드를 기반으로 한 결제대행 중계시스템 및 그 방법
US20160358167A1 (en) * 2015-06-05 2016-12-08 Apple Inc. User interface for loyalty accounts and private label accounts

Also Published As

Publication number Publication date
CN111263941A (zh) 2020-06-09
EP3646229A1 (en) 2020-05-06
CA3068134A1 (en) 2019-01-03
AU2018290959A1 (en) 2020-02-13
US10657536B2 (en) 2020-05-19
IL271643A (en) 2020-02-27
WO2019006187A1 (en) 2019-01-03
IL271643B1 (en) 2023-12-01
SG11201912934XA (en) 2020-01-30
KR20200044788A (ko) 2020-04-29
US20190259034A1 (en) 2019-08-22
KR102523695B1 (ko) 2023-04-20
JP7150839B2 (ja) 2022-10-11
ZA201908612B (en) 2022-06-29
EP3646229A4 (en) 2020-07-08
JP2020526856A (ja) 2020-08-31

Similar Documents

Publication Publication Date Title
US10657536B2 (en) Automatic correlation of account identifiers to account accessors
US20220405734A1 (en) Interface-Specific Account Identifiers
US10999268B2 (en) System and method for electronic credentials
US12160428B2 (en) Systems and methods for proximity identity verification
US9723485B2 (en) System for authorizing access based on authentication via separate channel
US11023887B2 (en) Systems and methods for generating and managing dynamic customized electronic tokens for electronic device interaction
JP6046765B2 (ja) 秘密情報にアクセスするための、多重パーティ及び多重レベルの承認を可能にするシステム及び方法
US7849501B2 (en) Methods and systems for using data processing systems in order to authenticate parties
US11843599B2 (en) Systems, methods, and non-transitory computer-readable media for secure biometrically-enhanced data exchanges and data storage
US11055721B2 (en) Method, device and system for information verification
US20190005098A1 (en) Automatic Correlation of Account Identifiers to Account Accessors
US20230334491A1 (en) Systems, Methods, and Computer Program Products for Authenticating Devices
US20190098009A1 (en) Systems and methods for authentication using authentication management server and device application
US12380429B2 (en) Systems and methods for an all-in-one mobile wallet with administrator portal
JP6748667B2 (ja) Ａｐｉ提供システム、認証サーバ、ａｐｉ提供方法、及びプログラム
US11044247B2 (en) Systems and methods for authentication using authentication management server and device application
US11483316B1 (en) System and method for access using a circle of trust
WO2023168279A2 (en) Method for global identity verification
HK40019818A (zh) 接口特定的账户标识符
US20210297403A1 (en) Systems and methods for authentication using authentication management server and device application