JP4580654B2 - モバイル口座認証サービス - Google Patents
モバイル口座認証サービス Download PDFInfo
- Publication number
- JP4580654B2 JP4580654B2 JP2003586704A JP2003586704A JP4580654B2 JP 4580654 B2 JP4580654 B2 JP 4580654B2 JP 2003586704 A JP2003586704 A JP 2003586704A JP 2003586704 A JP2003586704 A JP 2003586704A JP 4580654 B2 JP4580654 B2 JP 4580654B2
- Authority
- JP
- Japan
- Prior art keywords
- account
- authentication
- message
- creditor
- requester
- 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
Links
- 238000000034 method Methods 0.000 claims abstract description 188
- 230000008569 process Effects 0.000 claims description 103
- 230000004044 response Effects 0.000 claims description 100
- 238000012795 verification Methods 0.000 claims description 52
- 238000004891 communication Methods 0.000 claims description 26
- 230000005540 biological transmission Effects 0.000 claims description 13
- 230000002452 interceptive effect Effects 0.000 claims description 7
- 230000000977 initiatory effect Effects 0.000 claims 1
- 238000012545 processing Methods 0.000 description 26
- 230000006870 function Effects 0.000 description 19
- 230000008520 organization Effects 0.000 description 18
- 238000007689 inspection Methods 0.000 description 12
- 238000010586 diagram Methods 0.000 description 10
- 230000009977 dual effect Effects 0.000 description 7
- 230000007246 mechanism Effects 0.000 description 7
- 208000007542 Paresis Diseases 0.000 description 6
- 238000012986 modification Methods 0.000 description 6
- 230000004048 modification Effects 0.000 description 6
- 208000012318 pareses Diseases 0.000 description 6
- 239000003795 chemical substances by application Substances 0.000 description 5
- 238000012546 transfer Methods 0.000 description 5
- 238000012790 confirmation Methods 0.000 description 4
- 238000013475 authorization Methods 0.000 description 3
- 230000008901 benefit Effects 0.000 description 3
- 238000004422 calculation algorithm Methods 0.000 description 3
- 238000013461 design Methods 0.000 description 3
- 230000000694 effects Effects 0.000 description 3
- 230000000737 periodic effect Effects 0.000 description 3
- 102220272831 rs55851803 Human genes 0.000 description 3
- 125000002066 L-histidyl group Chemical group [H]N1C([H])=NC(C([H])([H])[C@](C(=O)[*])([H])N([H])[H])=C1[H] 0.000 description 2
- 241000699666 Mus <mouse, genus> Species 0.000 description 2
- 230000009471 action Effects 0.000 description 2
- 230000002457 bidirectional effect Effects 0.000 description 2
- 238000007726 management method Methods 0.000 description 2
- 238000002360 preparation method Methods 0.000 description 2
- 238000006467 substitution reaction Methods 0.000 description 2
- 241000699670 Mus sp. Species 0.000 description 1
- 239000000654 additive Substances 0.000 description 1
- 230000000996 additive effect Effects 0.000 description 1
- 238000013459 approach Methods 0.000 description 1
- 238000004364 calculation method Methods 0.000 description 1
- 230000006835 compression Effects 0.000 description 1
- 238000007906 compression Methods 0.000 description 1
- 238000013500 data storage Methods 0.000 description 1
- 230000009849 deactivation Effects 0.000 description 1
- 230000008030 elimination Effects 0.000 description 1
- 238000003379 elimination reaction Methods 0.000 description 1
- 238000005516 engineering process Methods 0.000 description 1
- 230000002708 enhancing effect Effects 0.000 description 1
- ZXQYGBMAQZUVMI-GCMPRSNUSA-N gamma-cyhalothrin Chemical compound CC1(C)[C@@H](\C=C(/Cl)C(F)(F)F)[C@H]1C(=O)O[C@H](C#N)C1=CC=CC(OC=2C=CC=CC=2)=C1 ZXQYGBMAQZUVMI-GCMPRSNUSA-N 0.000 description 1
- 230000003993 interaction Effects 0.000 description 1
- 238000012423 maintenance Methods 0.000 description 1
- 230000003287 optical effect Effects 0.000 description 1
- 230000036316 preload Effects 0.000 description 1
- 238000004549 pulsed laser deposition Methods 0.000 description 1
- 238000011084 recovery Methods 0.000 description 1
- 238000012502 risk assessment Methods 0.000 description 1
- 230000003068 static effect Effects 0.000 description 1
- 238000012360 testing method Methods 0.000 description 1
- 230000009466 transformation Effects 0.000 description 1
- 238000010200 validation analysis Methods 0.000 description 1
Images
Classifications
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L63/00—Network architectures or network communication protocols for network security
- H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
-
- 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
- G06Q20/02—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
- G06Q20/08—Payment architectures
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
- G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
-
- 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
- G06Q20/30—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
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
-
- 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
- G06Q20/30—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
- G06Q20/347—Passive cards
-
- 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
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
- G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
- G06Q20/3674—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes involving authentication
-
- 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
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
-
- 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
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3825—Use of electronic 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
- G06Q20/38—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
- G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
- G06Q20/425—Confirmation, e.g. check or permission by the legal debtor of payment using two different networks, one for transaction and one for security confirmation
-
- 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
- G06Q30/0601—Electronic shopping [e-shopping]
-
- 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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/12—Accounting
-
- 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
- G07F7/10—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 together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
-
- 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
- G07F7/10—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 together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
- G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
-
- 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
- G07F7/10—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 together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
- G07F7/1025—Identification of user by a PIN code
-
- 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
- G07F7/10—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 together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
- G07F7/1025—Identification of user by a PIN code
- G07F7/1075—PIN is checked remotely
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L63/00—Network architectures or network communication protocols for network security
- H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
- H04L63/0823—Network architectures or network communication protocols for network security for authentication of entities using certificates
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L63/00—Network architectures or network communication protocols for network security
- H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
- H04L63/083—Network architectures or network communication protocols for network security for authentication of entities using passwords
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L63/00—Network architectures or network communication protocols for network security
- H04L63/16—Implementing security features at a particular protocol layer
- H04L63/166—Implementing security features at a particular protocol layer at the transport layer
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L63/00—Network architectures or network communication protocols for network security
- H04L63/18—Network architectures or network communication protocols for network security using different networks or channels, e.g. using out of band channels
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L2463/00—Additional details relating to network architectures or network communication protocols for network security covered by H04L63/00
- H04L2463/102—Additional details relating to network architectures or network communication protocols for network security covered by H04L63/00 applying security measure for e-commerce
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L63/00—Network architectures or network communication protocols for network security
- H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
- H04L63/0807—Network architectures or network communication protocols for network security for authentication of entities using tickets, e.g. Kerberos
-
- Y—GENERAL TAGGING OF NEW TECHNOLOGICAL DEVELOPMENTS; GENERAL TAGGING OF CROSS-SECTIONAL TECHNOLOGIES SPANNING OVER SEVERAL SECTIONS OF THE IPC; TECHNICAL SUBJECTS COVERED BY FORMER USPC CROSS-REFERENCE ART COLLECTIONS [XRACs] AND DIGESTS
- Y04—INFORMATION OR COMMUNICATION TECHNOLOGIES HAVING AN IMPACT ON OTHER TECHNOLOGY AREAS
- Y04S—SYSTEMS INTEGRATING TECHNOLOGIES RELATED TO POWER NETWORK OPERATION, COMMUNICATION OR INFORMATION TECHNOLOGIES FOR IMPROVING THE ELECTRICAL POWER GENERATION, TRANSMISSION, DISTRIBUTION, MANAGEMENT OR USAGE, i.e. SMART GRIDS
- Y04S40/00—Systems for electrical power generation, transmission, distribution or end-user application management characterised by the use of communication or information technologies, or communication or information technology specific aspects supporting them
- Y04S40/20—Information technology specific aspects, e.g. CAD, simulation, modelling, system security
Landscapes
- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- Accounting & Taxation (AREA)
- General Physics & Mathematics (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- Theoretical Computer Science (AREA)
- Strategic Management (AREA)
- Finance (AREA)
- Computer Security & Cryptography (AREA)
- Computer Networks & Wireless Communication (AREA)
- Signal Processing (AREA)
- Computing Systems (AREA)
- Computer Hardware Design (AREA)
- General Engineering & Computer Science (AREA)
- Marketing (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Technology Law (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Medicines Containing Antibodies Or Antigens For Use As Internal Diagnostic Agents (AREA)
- Saccharide Compounds (AREA)
- Traffic Control Systems (AREA)
- Telephone Function (AREA)
Description
口座認証システムは、一方の参加者が特定の口座の所有者であると主張する他方の関係者のIDを物理的に検証できない取引の際に、カード所有者の口座所有の有無を認証するように設計される。例えば、口座認証システムは、ある個人またはエンティティのIDを信用者が第三者のために認証する様々な取引に使用することができる。周知のように、信用者は、一般に、個人またはエンティティの認証を行う法的責任を第三者に対して負う。口座認証システムの重要な用途の1つは、当然ながら、オンラインでまたは携帯電子デバイスを通じて行われる支払取引の分野にある。
次に、支払取引の分野で口座所有者を認証するためのシステムアーキテクチャを説明する。なお、この節で説明される一般概念の多くは、様々な使用分野に適用可能である。これは、支払を用途とする認証プロセスが、非支払を用途とする認証プロセスに類似しているからである。
次に、支払取引及び非支払取引の両者に関して口座認証システムのセットアップを詳細に説明する。先ず、システムの各参加者をセットアップし、各参加者が口座認証システムを使用できるようにする手続きを説明する。次いで、口座所有者が口座認証システムに登録するためのプロセスを説明する。その後、実際に支払取引に与信するプロセスの詳細を説明する。
全ての参加者がセットアップされ、尚かつ、口座所有者が登録された後は、口座の認証が実施される。口座の認証は、参加者が使用するシステムの種類に応じ、様々な方法で実施することができる。以下で説明される3つの実装形態は、それぞれ、インターネットに接続された従来のコンピュータ(図5〜8)、インターネットに接続するモバイルデバイス(図9)、及びインターネットに接続できないモバイルデバイス(図10〜12)に関する。後述されるように、これらの3つの形態の主な相違は、(要求者ドメインの中の)プラグインソフトウェアモジュールと、(信用者ドメインの中の)アクセス制御サーバと、の間で支払要求及び支払応答のメッセージがどのように作成され伝送されるかという点にある。なお、図5〜12が示しているのは、支払取引において口座所有者のIDを認証するプロセスである点に留意せよ。
この節は、本発明による口座認証システムにおいて、インターネット接続可能なモバイルデバイスをサポートするために必要とされる、プロトコルの変更に関して説明する。この設計の意図は、モバイル対応のデバイスが、標準的なPCベースの実装形態をサポートすること並びに標準的な口座認証の実装形態と共存及び相互運用することを可能にすることにある。インターネット接続可能なモバイルデバイスは、WAP電話としても知られている無線アプリケーションプロトコル対応の電話などのデバイスを含むが、それに限定されない。
これまでは、カード所有者がインターネット対応のデバイスを使用してショッピングを行い尚かつ認証がインターネットを通じて行われる「インターネットショッピング」に焦点を当てて、本発明による口座認証プロトコルの説明を行ってきた。前の節では、インターネット接続可能なモバイルインターネットデバイス(具体的にはWAP電話など)を使用してインターネットショッピングをサポートする実装形態に関してプロトコルの説明を行った。しかしながら、ショッピング及び認証は、いずれも、能力の限られた携帯電話を使用して実施することができる。本発明では、例えば、ショートメッセージサービス(SMS)または非構造付加サービスデータ(USSD)に基づく双方向メッセージングを使用するデバイスを使用することもできる。また、音声自動応答(IVR)システムに代表される標準の音声チャネルを使用するデバイスを使用することもできる。いくつかの実施形態では、メッセージングチャネル及び音声チャネルの両方を、認証プロセスの異なる段階で同時にまたは交互に利用することができる。この節は、ショッピング及び認証におけるSMS、USSD、または音声/IVRの使用をサポートするために本発明による口座認証プロトコルで必要とされるプロトコルの変更を明確にする。
このプロトコル拡張は、MPIが、ACSとの間に接続を確立し、PAReqを含むフォームをPOSTできることを必要とする。しかしながら、ファイアウォールの多くは、このようなアウトバウンド接続の作成能力を制限しており、特別にリストアップされた信頼できる既知のIPアドレスへの接続のみを許可している。この制限は、商人システム上の「トロイの木馬」ソフトによって詐欺師のサーバへの接続が開かれて機密データが送信されるのを阻止することを目的としている。
図16は、本発明の一実施形態を実装するのに適した通信ネットワーク800を示している。本発明は、任意の適切な通信ネットワークを使用することが可能であると共に、後述されるものと異なるハードウェア、ソフトウェア、及び/またはプロトコルを伴うことも可能である。後述されるネットワークは、図1の通信ネットワーク126の好ましい一実施形態である。ネットワーク800は、クレジットカード、交通及び接待用の法人用カード、並びに自社ブランドの専用カードなどの任意のカードを使用した購入取引及び現金取引をサポートするグローバル通信ネットワークである。ネットワークは、また、他のネットワークのATM取引、小切手を使用した取引、スマートカードを使用した取引、及び他の金融商品を使用した取引もサポートする。
図19A及び図19Bは、本発明の実施形態を実装するのに適したコンピュータシステム900を示している。図19Aは、コンピュータシステムが採ることが可能な1つの物理的形態を示している。コンピュータシステムは、もちろん、集積回路、プリント基板、小型のハンドヘルドデバイスから巨大なスーパーコンピュータに至るまで、多数の物理的形態を採ることが可能である。コンピュータシステム900は、モニタ902、ディスプレイ904、ハウジング906、ディスクドライブ908、キーボード910、及びマウス912を含む。ディスク914は、コンピュータシステム900との間でデータをやり取りするために使用されるコンピュータ読み取り可能媒体である。
Claims (50)
- 信用者が、口座所有者のIDを、前記口座所有者と要求者との間における取引の間に認証するための方法であって、
前記取引を行うために、前記要求者と前記口座所有者のインターネット接続可能モバイルデバイスとの間にオンラインのインターネット通信接続を確立する工程と、
前記要求者において、圧縮版の認証要求メッセージを作成する工程と、
前記圧縮版の認証要求メッセージを、前記口座所有者の前記モバイルデバイスを介して前記信用者に伝送する工程と、
前記口座所有者から受信されたID認証トークンを使用して、前記信用者によって、前記口座所有者のIDを検証する工程と、
前記信用者において、圧縮版の認証応答メッセージを作成する工程と、
前記圧縮版の認証応答メッセージを、前記口座所有者の前記モバイルデバイスを介して前記要求者に伝送する工程と、
前記圧縮版の認証応答メッセージが、前記口座所有者のIDが認証されたことを示していることを、前記要求者によって確認する工程であって、前記口座所有者のIDは、それによって、前記要求者のために前記信用者によって認証される工程と
を備える方法。 - 請求項1に記載の方法であって、
前記信用者は、前記口座所有者の口座を維持する発行者であり、
前記方法は、更に、
登録プロセスの最中に、前記発行者によって、前記口座所有者のIDを前記口座の所有者として検証し、前記口座用の登録トークンを指定する工程と、
前記受信されたID認証トークンを、前記口座所有者の前記口座用に予め指定された前記登録トークンと比較する工程であって、前記発行者は、それによって、前記口座所有者のIDを検証する工程と
を備える方法。 - 先行する請求項のうちの任意の1つに記載の方法であって、
前記ID認証トークンは、パスワード、質問への応答、暗号、またはチップカードからの値である方法。 - 請求項1に記載の方法であって、更に、
前記口座所有者の口座番号を含む登録検証要求メッセージを、前記要求者から前記信用者に伝送する工程と、
前記口座所有者の前記口座番号が、前記信用者によって認証可能である口座所有者の登録リストに含まれるか否かを、前記信用者によって決定する工程と、
前記口座番号が前記口座所有者の登録リストに含まれるか否かを示す登録検証応答メッセージを、インターネットを通じて前記信用者から前記要求者に伝送する工程と、
を備える方法。 - 請求項1に記載の方法であって、
前記各圧縮版のメッセージは、複数のエレメントで構成されたインターネットメッセージであって、前記各エレメントは、第1のタグサイズを有するエレメント名前タグをそれぞれに有し、
前記方法は、更に、前記各エレメント名前タグを、第1のタグサイズよりも小さい第2のタグサイズを有する短縮版のエレメント名前タグでそれぞれに置き換える工程を備える方法。 - 請求項1,請求項2,請求項4及び請求項5のうちの任意の1つに記載の方法であって、更に、
前記圧縮版の認証応答メッセージを、前記要求者において使用可能なデータと結合させることによって、前記要求者において完全版の認証応答メッセージを再構成する工程と、 前記口座所有者のIDが認証されたことを確認するために、前記完全版の認証応答メッセージのデジタル署名を確認する工程と、
を備える方法。 - 請求項1,請求項2,請求項4及び請求項5のうちの任意の1つに記載の方法であって、
前記信用者は金融機関である、方法。 - 請求項1,請求項2,請求項4及び請求項5のうちの任意の1つに記載の方法であって、
前記要求者はオンライン商人であり、前記信用者は金融機関であり、前記取引は金融取引であり、前記口座所有者の前記口座は前記信用者によって維持される方法。 - 信用者が、口座に関する口座所有者のIDを、前記口座所有者と要求者との間における取引の間に認証する口座認証システムであって、
前記口座所有者のインターネット接続可能モバイルデバイスと、
前記取引を処理するために、インターネットを通じて前記口座所有者の前記モバイルデバイスとオンラインで通信するように構成され、更に、圧縮版の認証要求メッセージを作成し、前記要求メッセージを前記モバイルデバイスを介して前記信用者に伝送するように構成された要求者サーバと、
前記信用者によって制御され、インターネットを通じて前記口座所有者の前記モバイルデバイスと通信するように構成され、更に、前記口座所有者から受信されたID認証トークンを使用して前記口座所有者のIDを検証し、圧縮版の認証応答メッセージを作成するように構成されたアクセス制御サーバと、
前記圧縮版の認証応答メッセージを受信し、前記応答メッセージは前記口座所有者のIDが認証されたことを示していることを確認するように構成された要求者ソフトウェアモジュールと
を備えるシステム。 - 請求項9に記載の口座認証システムであって、
前記要求者ソフトウェアモジュールは、更に、前記圧縮版の認証応答メッセージを、前記要求者において使用可能なデータと結合させることによって、完全版の認証応答メッセージを再構成し、前記口座所有者のIDが認証されたことを確認するために、前記完全版の認証応答メッセージのデジタル署名を確認するように構成される、口座認証システム。 - 請求項1に記載の口座認証システムであって、
前記信用者は、前記口座所有者の口座を維持する発行者であり、前記アクセス制御サーバは、更に、登録プロセスの最中に、前記口座所有者のIDを前記口座の所有者として検証し、前記口座用の登録トークンを指定するように構成され、前記アクセス制御サーバは、更に、前記口座所有者からID認証トークンを受信し、前記登録トークンと前記ID認証トークンとの比較に基づいて前記口座所有者のIDを認証するように構成される、口座認証システム。 - 請求項9及び請求項10のうちの任意の1つに記載の口座認証システムであって、更に、
前記口座所有者が認証サービスに登録されているか否かを示す登録検証応答メッセージを備え、
前記アクセス制御サーバは、インターネットを通じて前記登録検証応答メッセージを前記要求者ソフトウェアモジュールに伝送するように構成される、口座認証システム。 - 先行する請求項のうちの任意の1つに記載の口座認証システムであって、
前記ID認証トークンは、パスワード、質問への応答、暗号、またはチップカードからの値である口座認証システム。 - 先行する請求項のうちの任意の1つに記載の口座認証システムであって、
前記信用者は金融機関であり、前記口座所有者の前記口座を維持する、口座認証システム。 - 請求項14に記載の口座認証システムであって、
前記要求者は、前記口座所有者との間で金融取引を行うオンライン商人である、口座認証システム。 - 信用者が、口座所有者のIDを、前記口座所有者と要求者との間における取引の間に認証する方法であって、
第1の音声チャネルを通じて、または、第1の双方向メッセージングサービスを使用して、前記口座所有者の携帯電話と前記要求者との間で前記取引を行う工程と、
認証要求メッセージを、インターネットを通じて前記要求者から前記信用者に送信する工程であって、前記要求メッセージは、前記携帯電話を経由しない工程と、
第2の音声チャネルを通じて、または、第2の双方向メッセージングサービスを使用して、前記携帯電話と前記信用者との間に通信を確立する工程と、
前記第2の音声チャネルを通じて、または、前記第2のメッセージングサービスを使用して、前記口座所有者から前記信用者に認証トークンを伝送する工程と
前記信用者によって、前記認証トークンを使用して前記口座所有者のIDを認証する工程と、
認証応答メッセージを、インターネットを通じて前記信用者から前記要求者に送信する工程であって、前記応答メッセージは、前記携帯電話を経由しない工程と、
前記認証応答メッセージが前記口座所有者のIDが認証されたことを示すことを、前記要求者によって確認する工程であって、前記信用者は、それによって、前記要求者のために前記口座所有者のIDを認証する工程と、
を備える方法。 - 請求項16に記載の方法であって、
前記信用者は、前記口座所有者の口座を維持する発行者であり、前記方法は、更に、
登録プロセスの最中に、前記発行者によって前記口座所有者のIDを前記口座の所有者として検証し、前記口座用の登録トークンを指定する工程と、
前記信用者によって、前記登録トークンと前記認証トークンとの比較に基づいて、前記口座所有者のIDを認証する工程と、
を備える方法。 - 先行する請求項のうちの任意の1つに記載の方法であって、
前記ID認証トークンは、パスワード、PIN、質問への応答、暗号、またはチップカードからの値である方法。 - 請求項16に記載の方法であって、
前記認証要求メッセージを前記要求者から前記信用者に送信する工程は、更に、
前記認証要求メッセージを含む第1のHTMLフォームを構成する工程と、
前記第1のHTMLフォームを前記信用者に直接提供する工程と
を備える、方法。 - 請求項16に記載の方法であって、
前記取引を行う工程は、前記第1の音声チャネルを使用し、前記通信の確立は、前記第2の音声チャネルを使用し、前記方法は、更に、前記要求者は、前記信用者が前記第2の音声チャネルを通じて通信を確立する前に、前記第1の音声チャネルの使用を終了する方法。 - 請求項19に記載の方法であって、
前記認証応答メッセージを前記信用者から前記要求者に送信する工程は、更に、
前記認証応答メッセージを含む第2のHTMLフォームを構成する工程と、
前記第2のHTMLフォームを前記要求者に直接提供する工程と
を備える、方法。 - 請求項16に記載の方法であって、
前記認証要求メッセージを送信する工程は、
前記認証要求メッセージを前記要求者からプロキシサーバに送信する工程と、
前記認証要求メッセージを前記プロキシサーバから前記アクセス制御サーバに転送する工程であって、それによって、前記要求者のセキュリティは高められる工程と、
を含む、方法。 - 請求項22に記載の方法であって、
前記認証応答メッセージを送信する工程は、
前記認証応答メッセージを前記信用者からプロキシサーバに送信する工程と、
前記認証応答メッセージを前記プロキシサーバから前記要求者に転送する工程であって、それによって、前記信用者のセキュリティは高められる工程と、
を含む、方法。 - 請求項16に記載の方法であって、
前記第1のメッセージングサービスは、SMSである、またはUSSDを使用しており、前記第2のメッセージングサービスは、SMSである、またはUSSDを使用している方法。 - 請求項16に記載の方法であって、更に、
前記信用者が前記口座所有者のIDを認証する能力を有するかどうかに関する照会と、前記口座所有者の前記携帯電話が使用している通信プロトコルに関する情報とを含む登録検証要求メッセージを作成する工程と、
前記登録検証要求メッセージを前記要求者から前記信用者に伝送する工程と
を備える方法。 - 請求項25に記載の方法であって、更に、
前記信用者が前記口座所有者のIDを認証する能力を有するか否かを示す登録検証応答メッセージを作成する工程と、
前記登録検証応答メッセージを前記信用者から前記要求者に伝送する工程と
を備える方法。 - 請求項16に記載の方法であって、更に、
前記認証応答メッセージが前記口座所有者のIDが認証されたことを示す場合に、前記取引のための与信プロセスを開始する工程を備える方法。 - 信用者が、口座所有者のIDを、前記口座所有者と要求者との間における取引の間に認証する口座認証システムであって、
前記口座所有者の携帯電話と、
前記取引を処理するために、前記口座所有者と通信するように構成され、更に、インターネットを通じて認証要求メッセージを前記信用者に伝送するように構成された要求者サーバと、
前記取引を処理するために、前記要求者サーバと前記口座所有者の前記携帯電話との間で使用される第1の音声チャネルまたは第1のメッセージングサービスと、
前記信用者によって制御され、更に、インターネットを通じて認証応答メッセージを前記要求者に送信するように構成されたアクセス制御サーバと、
前記口座所有者の前記携帯電話と前記アクセス制御サーバとの間で使用される第2の音声チャネルまたは第2のメッセージングサービスと、
前記第2の音声チャネルまたは前記第2のメッセージングサービスを通じて前記口座所有者から前記アクセス制御サーバに伝送され、前記アクセス制御サーバによって前記口座所有者のIDの認証に使用されるように構成された認証トークンと、
前記認証応答メッセージが前記口座所有者のIDが認証されたことを示していることを確認するように構成された要求者ソフトウェアモジュールと、
を備える口座認証システム。 - 請求項28に記載の口座認証システムであって、
前記認証トークンは、パスワード、PIN、質問への応答、暗号、またはチップカードからの値である口座認証システム。 - 請求項28に記載の口座認証システムであって、更に、
前記認証要求メッセージ及び前記認証応答メッセージを、前記要求者サーバと前記アクセス制御サーバとの間で送ることによって、セキュリティを高められる、プロキシサーバを備える口座認証システム。 - 請求項28に記載の口座認証システムであって、
前記信用者は、前記口座所有者の口座を維持する発行者であり、前記アクセス制御サーバは、更に、登録プロセスの最中に、前記口座所有者のIDを前記口座の所有者として検証し、前記口座用の登録トークンを指定するように構成され、前記アクセス制御サーバは、更に、前記登録トークンと前記認証トークンとの比較に基づいて、前記口座所有者のIDを認証するように構成される口座認証システム。 - 請求項28に記載の口座認証システムであって、
前記第1のメッセージングサービスは、SMSである、またはUSSDを使用しており、前記第2のメッセージングサービスは、SMSであるである、またはUSSDを使用している口座認証システム。 - 請求項28に記載の口座認証システムであって、更に、
前記信用者が前記口座所有者のIDを認証する能力を有するかどうかに関する照会と、前記口座所有者の前記携帯電話が使用している通信プロトコルに関する情報とを含む登録検証要求メッセージを備え、
前記登録検証要求メッセージは、前記要求者サーバから前記信用者に伝送される、口座認証システム。 - 請求項33に記載の口座認証システムであって、
前記登録検証要求メッセージは、更に、前記認証要求メッセージが前記アクセス制御サーバに、インターネットを通じて直接送信されるか或いは前記口座所有者の前記携帯電話を介して送信されるかを示す拡張フィールドを含む、口座認証システム。 - 請求項33に記載の口座認証システムであって、
前記登録検証要求メッセージは、更に、前記口座所有者の携帯電話番号のハッシュを含み、前記アクセス制御サーバは、前記口座所有者のIDが認証可能であるか否かを決定するために前記ハッシュを使用する、口座認証システム。 - 請求項28に記載の口座認証システムであって、更に、
前記信用者が前記口座所有者のIDを認証する能力を有するか否かを示し、前記信用者から前記要求者にインターネットを通じて伝送される登録検証応答メッセージを備える口座認証システム。 - 請求項30に記載の口座認証システムであって、更に、
前記信用者が前記口座所有者のIDを認証する能力を有するか否かを示し、前記信用者から前記要求者ソフトウェアモジュールに伝送され、前記プロキシサーバのURLを特定する拡張フィールドを含む登録検証応答メッセージを備える口座認証システム。 - 請求項1に記載の方法であって、
前記モバイルデバイスは、WAP対応の電話であり、前記モバイルデバイスと前記信用者との間の通信は、WAPゲートウェイを用いる方法。 - 請求項1に記載の方法であって、
前記検証の工程は、
前記信用者によって、前記モバイルデバイスの電話番号を使用して、前記口座所有者の前記モバイルデバイスに接触し、テキストメッセージチャネルまたは音声チャネルを確立する工程と、
前記テキストメッセージチャネルまたは前記音声チャネルを通じて、前記モバイルデバイスから前記ID認証トークンを受信する工程であって、前記口座所有者は、それによって、非インターネット接続を通じて前記信用者に認証情報を提供する工程と、
を含む方法。 - 請求項9に記載の方法であって、
前記モバイルデバイスは、WAP対応の電話であり、
前記口座認証システムは、更に、前記モバイルデバイスと前記信用者との通信に用いられるWAPゲートウェイを有する方法。 - 請求項1に記載の方法は更に、
前記インターネット接続可能モバイルデバイスのインターネットブラウザを、前記要求者のウェブサイトから前記信用者のアクセス制御サーバへリダイレクトする工程と、これにより前記信用者は前記口座所有者から前記ID認証トークンを受け取り、
前記インターネット接続可能モバイルデバイスの前記インターネットブラウザを、前記信用者のアクセス制御サーバから前記要求者のウェブサイトにリダイレクトする工程と、
を備える方法。 - 請求項9に記載の口座認証システムにおいて、
前記口座所有者のインターネット接続可能モバイルデバイスは、前記要求者のサーバから前記信用者のアクセス制御サーバへリダイレクトされるよう構成されているインターネットブラウザを備え、これにより前記信用者は前記ID認証トークンを受け取り、前記インターネットブラウザは更に、前記信用者のアクセス制御サーバから前記要求者のウェブサイトにリダイレクトされるように構成されている、
を備える口座認証システム。 - 請求項41に記載の方法は更に、前記圧縮版の認証要求メッセージおよび前記圧縮版の認証応答メッセージをマークアップ言語形式中に埋め込んで伝送する工程を備えている、方法。
- 請求項42に記載の口座認証システムにおいて、前記圧縮版の認証要求メッセージおよび前記圧縮版の認証応答メッセージはマークアップ言語形式中に埋め込まれている、口座認証システム。
- 請求項1に記載の方法は更に、前記口座所有者の前記インターネット接続可能モバイルデバイス上における前記口座認証方法に関連する一切の追加のソフトウェアを用いることなく、前記伝送および認証工程を実行する、方法。
- 請求項9に記載の口座認証システムにおいて、前記インターネット接続可能モバイルデバイスは、前記口座認証システムに関連する一切の追加のソフトウェアを備えていない、口座認証システム。
- 請求項1に記載の方法において、前記認証工程は更に、前記ID認証トークンを取得するために、前記モバイルデバイスのメッセージチャネルまたは音声チャネルを用いて、前記信用者が前記口座所有者に接触する工程を備える、方法。
- 請求項9に記載の口座認証システムにおいて、前記アクセス制御サーバは更に、前記モバイルデバイスのメッセージチャネルまたは音声チャネルを用いて、前記口座所有者から前記ID認証トークンを受け取るよう構成されている、口座認証システム。
- 請求項4に記載の方法は更に、
前記登録検証応答メッセージに、信用者デジタル証明書のチェーンを含む拡張フィールドを含ませる工程を備える、方法。 - 請求項12に記載の口座認証システムにおいて、前記登録検証応答メッセージは、信用者デジタル証明書のチェーンを含む拡張フィールドを含む、口座認証システム。
Applications Claiming Priority (4)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US37370202P | 2002-04-17 | 2002-04-17 | |
US40586902P | 2002-08-23 | 2002-08-23 | |
US10/370,149 US7707120B2 (en) | 2002-04-17 | 2003-02-19 | Mobile account authentication service |
PCT/US2003/011952 WO2003090027A2 (en) | 2002-04-17 | 2003-04-16 | Mobile account authentication service |
Publications (3)
Publication Number | Publication Date |
---|---|
JP2005523505A JP2005523505A (ja) | 2005-08-04 |
JP2005523505A5 JP2005523505A5 (ja) | 2006-06-08 |
JP4580654B2 true JP4580654B2 (ja) | 2010-11-17 |
Family
ID=29219700
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
JP2003586704A Expired - Fee Related JP4580654B2 (ja) | 2002-04-17 | 2003-04-16 | モバイル口座認証サービス |
Country Status (10)
Country | Link |
---|---|
US (3) | US7707120B2 (ja) |
EP (3) | EP2278751A1 (ja) |
JP (1) | JP4580654B2 (ja) |
KR (2) | KR101137137B1 (ja) |
AT (1) | ATE434305T1 (ja) |
AU (2) | AU2003228574B2 (ja) |
CA (1) | CA2482558C (ja) |
DE (1) | DE60328009D1 (ja) |
ES (1) | ES2327111T3 (ja) |
WO (1) | WO2003090027A2 (ja) |
Families Citing this family (570)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US8706630B2 (en) | 1999-08-19 | 2014-04-22 | E2Interactive, Inc. | System and method for securely authorizing and distributing stored-value card data |
US7837116B2 (en) | 1999-09-07 | 2010-11-23 | American Express Travel Related Services Company, Inc. | Transaction card |
US7239226B2 (en) | 2001-07-10 | 2007-07-03 | American Express Travel Related Services Company, Inc. | System and method for payment using radio frequency identification in contact and contactless transactions |
US7889052B2 (en) | 2001-07-10 | 2011-02-15 | Xatra Fund Mx, Llc | Authorizing payment subsequent to RF transactions |
US8543423B2 (en) | 2002-07-16 | 2013-09-24 | American Express Travel Related Services Company, Inc. | Method and apparatus for enrolling with multiple transaction environments |
US7172112B2 (en) | 2000-01-21 | 2007-02-06 | American Express Travel Related Services Company, Inc. | Public/private dual card system and method |
US8429041B2 (en) | 2003-05-09 | 2013-04-23 | American Express Travel Related Services Company, Inc. | Systems and methods for managing account information lifecycles |
US7627531B2 (en) | 2000-03-07 | 2009-12-01 | American Express Travel Related Services Company, Inc. | System for facilitating a transaction |
AU2001257280C1 (en) * | 2000-04-24 | 2009-01-15 | Visa International Service Association | Online payer authentication service |
US7788399B2 (en) | 2001-03-26 | 2010-08-31 | Salesforce.Com, Inc. | System and method for mapping of services |
US7689711B2 (en) | 2001-03-26 | 2010-03-30 | Salesforce.Com, Inc. | System and method for routing messages between applications |
US9948644B2 (en) | 2001-03-26 | 2018-04-17 | Salesforce.Com, Inc. | Routing messages between applications |
US7725427B2 (en) | 2001-05-25 | 2010-05-25 | Fred Bishop | Recurrent billing maintenance with radio frequency payment devices |
US7650314B1 (en) | 2001-05-25 | 2010-01-19 | American Express Travel Related Services Company, Inc. | System and method for securing a recurrent billing transaction |
US8001054B1 (en) | 2001-07-10 | 2011-08-16 | American Express Travel Related Services Company, Inc. | System and method for generating an unpredictable number using a seeded algorithm |
US7249112B2 (en) | 2002-07-09 | 2007-07-24 | American Express Travel Related Services Company, Inc. | System and method for assigning a funding source for a radio frequency identification device |
US7493288B2 (en) | 2001-07-10 | 2009-02-17 | Xatra Fund Mx, Llc | RF payment via a mobile device |
US9454752B2 (en) | 2001-07-10 | 2016-09-27 | Chartoleaux Kg Limited Liability Company | Reload protocol at a transaction processing entity |
US9024719B1 (en) | 2001-07-10 | 2015-05-05 | Xatra Fund Mx, Llc | RF transaction system and method for storing user personal data |
US7668750B2 (en) | 2001-07-10 | 2010-02-23 | David S Bonalle | Securing RF transactions using a transactions counter |
US7762457B2 (en) | 2001-07-10 | 2010-07-27 | American Express Travel Related Services Company, Inc. | System and method for dynamic fob synchronization and personalization |
US8548927B2 (en) | 2001-07-10 | 2013-10-01 | Xatra Fund Mx, Llc | Biometric registration for facilitating an RF transaction |
US7925535B2 (en) | 2001-07-10 | 2011-04-12 | American Express Travel Related Services Company, Inc. | System and method for securing RF transactions using a radio frequency identification device including a random number generator |
US8294552B2 (en) | 2001-07-10 | 2012-10-23 | Xatra Fund Mx, Llc | Facial scan biometrics on a payment device |
US7827106B2 (en) | 2001-07-10 | 2010-11-02 | American Express Travel Related Services Company, Inc. | System and method for manufacturing a punch-out RFID transaction device |
US20040236699A1 (en) | 2001-07-10 | 2004-11-25 | American Express Travel Related Services Company, Inc. | Method and system for hand geometry recognition biometrics on a fob |
US8960535B2 (en) | 2001-07-10 | 2015-02-24 | Iii Holdings 1, Llc | Method and system for resource management and evaluation |
US7119659B2 (en) | 2001-07-10 | 2006-10-10 | American Express Travel Related Services Company, Inc. | Systems and methods for providing a RF transaction device for use in a private label transaction |
US8635131B1 (en) | 2001-07-10 | 2014-01-21 | American Express Travel Related Services Company, Inc. | System and method for managing a transaction protocol |
US7805378B2 (en) | 2001-07-10 | 2010-09-28 | American Express Travel Related Servicex Company, Inc. | System and method for encoding information in magnetic stripe format for use in radio frequency identification transactions |
US8538863B1 (en) | 2001-07-10 | 2013-09-17 | American Express Travel Related Services Company, Inc. | System and method for facilitating a transaction using a revolving use account associated with a primary account |
US7360689B2 (en) | 2001-07-10 | 2008-04-22 | American Express Travel Related Services Company, Inc. | Method and system for proffering multiple biometrics for use with a FOB |
US7503480B2 (en) | 2001-07-10 | 2009-03-17 | American Express Travel Related Services Company, Inc. | Method and system for tracking user performance |
US8284025B2 (en) | 2001-07-10 | 2012-10-09 | Xatra Fund Mx, Llc | Method and system for auditory recognition biometrics on a FOB |
US7705732B2 (en) | 2001-07-10 | 2010-04-27 | Fred Bishop | Authenticating an RF transaction using a transaction counter |
US7746215B1 (en) | 2001-07-10 | 2010-06-29 | Fred Bishop | RF transactions using a wireless reader grid |
US7996324B2 (en) | 2001-07-10 | 2011-08-09 | American Express Travel Related Services Company, Inc. | Systems and methods for managing multiple accounts on a RF transaction device using secondary identification indicia |
US7303120B2 (en) | 2001-07-10 | 2007-12-04 | American Express Travel Related Services Company, Inc. | System for biometric security using a FOB |
US9031880B2 (en) | 2001-07-10 | 2015-05-12 | Iii Holdings 1, Llc | Systems and methods for non-traditional payment using biometric data |
US7890393B2 (en) | 2002-02-07 | 2011-02-15 | Ebay, Inc. | Method and system for completing a transaction between a customer and a merchant |
US7707120B2 (en) | 2002-04-17 | 2010-04-27 | Visa International Service Association | Mobile account authentication service |
US7925518B2 (en) * | 2002-04-19 | 2011-04-12 | Visa U.S.A. Inc. | System and method for payment of medical claims |
AU2003267149B2 (en) * | 2002-09-10 | 2010-03-11 | Visa International Service Association | Data authentication and provisioning method and system |
US6805287B2 (en) | 2002-09-12 | 2004-10-19 | American Express Travel Related Services Company, Inc. | System and method for converting a stored value card to a credit card |
US6993714B2 (en) * | 2002-10-03 | 2006-01-31 | Microsoft Corporation | Grouping and nesting hierarchical namespaces |
US20040192297A1 (en) * | 2003-01-10 | 2004-09-30 | Thomas Erskine | System and method for enabling and enhancing spending limits functionality in post-paid wireless billing systems |
US7360694B2 (en) * | 2003-01-23 | 2008-04-22 | Mastercard International Incorporated | System and method for secure telephone and computer transactions using voice authentication |
SE524499C2 (sv) * | 2003-03-10 | 2004-08-17 | Smarttrust Ab | Förfarande för säker nedladdning av applikationer |
WO2004091170A2 (en) | 2003-03-31 | 2004-10-21 | Visa U.S.A. Inc. | Method and system for secure authentication |
US7451234B1 (en) * | 2003-05-24 | 2008-11-11 | At&T Mobility Ii Llc | Systems and methods for updating dynamic IP addresses in a firewall using a DDNS server |
EP1636680B1 (en) * | 2003-06-10 | 2016-04-13 | Mastercard International, Inc. | Systems and methods for conducting secure payment transactions using a formatted data structure |
ITRM20030311A1 (it) * | 2003-06-23 | 2004-12-24 | Piero Protti | Metodo per l'autorizzazione di delegazioni di pagamento, |
EP1494460A1 (fr) * | 2003-07-02 | 2005-01-05 | THOMSON Licensing S.A. | Procédé et dispositif d'authentification de données numériques par module d'extension d'authentification |
US7740168B2 (en) | 2003-08-18 | 2010-06-22 | Visa U.S.A. Inc. | Method and system for generating a dynamic verification value |
US7761374B2 (en) | 2003-08-18 | 2010-07-20 | Visa International Service Association | Method and system for generating a dynamic verification value |
US7653602B2 (en) * | 2003-11-06 | 2010-01-26 | Visa U.S.A. Inc. | Centralized electronic commerce card transactions |
DE60319542T2 (de) * | 2003-11-07 | 2009-04-02 | Harman Becker Automotive Systems Gmbh | Verfahren und Vorrichtungen für die Zugangskontrolle zu verschlüsselten Datendiensten für ein Unterhaltungs- und Informationsverarbeitungsgerät in einem Fahrzeug |
US8655309B2 (en) | 2003-11-14 | 2014-02-18 | E2Interactive, Inc. | Systems and methods for electronic device point-of-sale activation |
AU2005208908B2 (en) * | 2004-01-23 | 2011-08-11 | Mastercard International Incorporated | System and method for secure telephone and computer transactions |
WO2005084187A2 (en) * | 2004-02-23 | 2005-09-15 | I4 Licensing Llc | Verification and authorization of a consumer transaction |
US20140019352A1 (en) | 2011-02-22 | 2014-01-16 | Visa International Service Association | Multi-purpose virtual card transaction apparatuses, methods and systems |
US20050234817A1 (en) * | 2004-04-16 | 2005-10-20 | First Data Corporation | Methods and systems for private label transaction processing |
EP1589448A3 (en) * | 2004-04-21 | 2005-11-02 | Sap Ag | A data processing method, system and computer program |
US8762283B2 (en) * | 2004-05-03 | 2014-06-24 | Visa International Service Association | Multiple party benefit from an online authentication service |
BRPI0512338B1 (pt) | 2004-06-21 | 2019-04-09 | Blackberry Limited | Método para lidar com notificação de recebimento de mensagem e meio não-transitório legível por computador |
US8626730B2 (en) * | 2004-06-28 | 2014-01-07 | Sap Ag | Data processing methods, systems and computer programs for providing a payment using a web service |
US7318550B2 (en) | 2004-07-01 | 2008-01-15 | American Express Travel Related Services Company, Inc. | Biometric safeguard method for use with a smartcard |
GB0416857D0 (en) * | 2004-07-29 | 2004-09-01 | Ingenico Uk Ltd | Electronic financial transactions |
US20060059344A1 (en) * | 2004-09-10 | 2006-03-16 | Nokia Corporation | Service authentication |
KR100582389B1 (ko) * | 2004-11-08 | 2006-05-23 | 주식회사 팬택앤큐리텔 | Rf 결제시 중간 이벤트를 차단하는 모바일 커머스무선통신 단말기 및 그 방법 |
US10248951B2 (en) * | 2004-12-01 | 2019-04-02 | Metavante Corporation | E-coupon settlement and clearing process |
US20070288313A1 (en) * | 2006-06-09 | 2007-12-13 | Mark Brodson | E-Coupon System and Method |
US8700729B2 (en) | 2005-01-21 | 2014-04-15 | Robin Dua | Method and apparatus for managing credentials through a wireless network |
US7124937B2 (en) | 2005-01-21 | 2006-10-24 | Visa U.S.A. Inc. | Wireless payment methods and systems |
CA2594881C (en) | 2005-01-25 | 2013-10-15 | I4 Commerce Inc. | Computer-implemented method and system for dynamic consumer rating in a transaction |
CA2922293C (en) | 2005-01-28 | 2018-10-30 | Cardinal Commerce Corporation | System and method for conversion between internet and non-internet based transactions |
US20060235758A1 (en) * | 2005-04-08 | 2006-10-19 | Paypal Inc. | Authorization techniques |
US8756099B2 (en) * | 2005-04-11 | 2014-06-17 | Bill Me Later, Inc. | Consumer processing system and method |
US8996423B2 (en) * | 2005-04-19 | 2015-03-31 | Microsoft Corporation | Authentication for a commercial transaction using a mobile module |
US8073774B2 (en) * | 2005-06-06 | 2011-12-06 | Sms.Ac, Inc. | Billing system and method for micro-transactions |
US8041646B2 (en) * | 2005-06-15 | 2011-10-18 | E. E. System Corporation | Method and system for real time online debit transactions |
US8762263B2 (en) | 2005-09-06 | 2014-06-24 | Visa U.S.A. Inc. | System and method for secured account numbers in proximity devices |
EP2024921A4 (en) | 2005-10-06 | 2010-09-29 | C Sam Inc | TRANSACTION SERVICES |
US8949146B2 (en) | 2005-12-31 | 2015-02-03 | Michelle Fisher | Method for purchasing tickets using a mobile communication device |
US8352323B2 (en) | 2007-11-30 | 2013-01-08 | Blaze Mobile, Inc. | Conducting an online payment transaction using an NFC enabled mobile communication device |
US8290433B2 (en) | 2007-11-14 | 2012-10-16 | Blaze Mobile, Inc. | Method and system for securing transactions made through a mobile communication device |
US8693995B2 (en) | 2007-12-13 | 2014-04-08 | Michelle Fisher | Customized mobile applications for special interest groups |
US20070156436A1 (en) | 2005-12-31 | 2007-07-05 | Michelle Fisher | Method And Apparatus For Completing A Transaction Using A Wireless Mobile Communication Channel And Another Communication Channel |
US8275312B2 (en) | 2005-12-31 | 2012-09-25 | Blaze Mobile, Inc. | Induction triggered transactions using an external NFC device |
US7657489B2 (en) | 2006-01-18 | 2010-02-02 | Mocapay, Inc. | Systems and method for secure wireless payment transactions |
MX2008011021A (es) | 2006-03-02 | 2008-09-10 | Visa Int Service Ass | Metodo y sistema para realizar autenticacion de dos factores en transacciones de ordenes por correo y ordenes por telefono. |
US7818264B2 (en) | 2006-06-19 | 2010-10-19 | Visa U.S.A. Inc. | Track data encryption |
US9065643B2 (en) | 2006-04-05 | 2015-06-23 | Visa U.S.A. Inc. | System and method for account identifier obfuscation |
US20090094156A1 (en) * | 2006-04-21 | 2009-04-09 | Controlabill Pty Ltd | Automated Budget Management, Multiple Payment, and Payment Authority Management |
MY149658A (en) * | 2006-06-12 | 2013-09-30 | Mobile Money Internat Sdn Bhd | Transaction server |
AU2007289166B2 (en) | 2006-08-29 | 2012-08-30 | Visa International Service Association | Method and system for processing internet purchase transactions |
WO2008031987A1 (fr) * | 2006-09-12 | 2008-03-20 | France Telecom | Systeme comprenant une chaine monetique, procede mettant en oeuvre ce systeme, service web et serveur de services web |
AU2007312879B2 (en) * | 2006-10-19 | 2011-10-20 | Jmango Ipr Holding Ltd | An interactive system and process |
US9191793B2 (en) | 2007-10-19 | 2015-11-17 | Duc Anh Ngo | Interactive system and process |
US10346837B2 (en) * | 2006-11-16 | 2019-07-09 | Visa U.S.A. Inc. | Adaptive authentication options |
US8504451B2 (en) | 2006-11-16 | 2013-08-06 | Visa U.S.A. Inc. | Method and system using candidate dynamic data elements |
US7831246B1 (en) * | 2006-12-08 | 2010-11-09 | At&T Mobility Ii, Llc | Mobile merchant |
US8554669B2 (en) | 2007-01-09 | 2013-10-08 | Bill Me Later, Inc. | Method and system for offering a credit product by a credit issuer to a consumer at a point-of sale |
US8214302B2 (en) | 2007-01-19 | 2012-07-03 | United States Postal Service | System and method for electronic transaction verification |
US9418501B2 (en) * | 2007-02-05 | 2016-08-16 | First Data Corporation | Method for digital signature authentication of pin-less debit card account transactions |
US20080185429A1 (en) * | 2007-02-05 | 2008-08-07 | First Data Corporation | Authentication Of PIN-Less Transactions |
US20080189209A1 (en) * | 2007-02-05 | 2008-08-07 | First Data Corporation | Real-Time Funds Transfer |
US7866551B2 (en) * | 2007-02-15 | 2011-01-11 | Visa U.S.A. Inc. | Dynamic payment device characteristics |
JP4901521B2 (ja) * | 2007-02-16 | 2012-03-21 | 中国電力株式会社 | 電子証明装置とその方法。 |
US20080207234A1 (en) * | 2007-02-22 | 2008-08-28 | First Data Corporation | Marketing messages in mobile commerce |
US20080208762A1 (en) * | 2007-02-22 | 2008-08-28 | First Data Corporation | Payments using a mobile commerce device |
US20080208743A1 (en) * | 2007-02-22 | 2008-08-28 | First Data Corporation | Transfer of value between mobile devices in a mobile commerce system |
US20080208688A1 (en) * | 2007-02-22 | 2008-08-28 | First Data Corporation | Methods and systems for handling of mobile discount certificates using mobile devices |
US10102518B2 (en) | 2007-02-22 | 2018-10-16 | First Data Corporation | Enrollment and registration of a device in a mobile commerce system |
US8566239B2 (en) * | 2007-02-22 | 2013-10-22 | First Data Corporation | Mobile commerce systems and methods |
US20080208760A1 (en) * | 2007-02-26 | 2008-08-28 | 14 Commerce Inc. | Method and system for verifying an electronic transaction |
US8433648B2 (en) * | 2007-02-26 | 2013-04-30 | Bill Me Later, Inc. | Method and system for engaging in a transaction between a consumer and a merchant |
ZA200905538B (en) * | 2007-02-27 | 2010-10-27 | Emigrant Bank | A method and system of facilitating a purchase between a buyer and a seller |
US8463711B2 (en) * | 2007-02-27 | 2013-06-11 | Igt | Methods and architecture for cashless system security |
US8935187B2 (en) | 2007-03-07 | 2015-01-13 | Playspan, Inc. | Distributed payment system and method |
US8548908B2 (en) * | 2007-04-11 | 2013-10-01 | First Data Corporation | Mobile commerce infrastructure systems and methods |
KR101540417B1 (ko) * | 2007-04-17 | 2015-07-29 | 비자 유에스에이 인코포레이티드 | 트랜잭션에 대한 당사자 인증 방법 및 시스템 |
US20080272188A1 (en) | 2007-05-02 | 2008-11-06 | I4 Commerce Inc. | Distributed system for commerce |
US7860790B2 (en) * | 2007-06-04 | 2010-12-28 | Visa U.S.A. Inc. | Systems and methods for automatic migration of a consumer between financial accounts |
US7627522B2 (en) * | 2007-06-04 | 2009-12-01 | Visa U.S.A. Inc. | System, apparatus and methods for comparing fraud parameters for application during prepaid card enrollment and transactions |
US8146806B2 (en) * | 2007-06-04 | 2012-04-03 | Visa U.S.A. Inc. | Prepaid negative balance fee processing and fee diversion |
US8165938B2 (en) * | 2007-06-04 | 2012-04-24 | Visa U.S.A. Inc. | Prepaid card fraud and risk management |
US20080300895A1 (en) * | 2007-06-04 | 2008-12-04 | Monk Justin T | Method and system for handling returned payment card account statements |
US8290832B2 (en) * | 2007-06-04 | 2012-10-16 | Visa U.S.A. Inc. | Method and system for handling returned prepaid payment cards |
US7809637B2 (en) * | 2007-06-04 | 2010-10-05 | Visa U.S.A. Inc. | Portability of financial tokens |
US7739169B2 (en) | 2007-06-25 | 2010-06-15 | Visa U.S.A. Inc. | Restricting access to compromised account information |
US8121956B2 (en) | 2007-06-25 | 2012-02-21 | Visa U.S.A. Inc. | Cardless challenge systems and methods |
US8359630B2 (en) | 2007-08-20 | 2013-01-22 | Visa U.S.A. Inc. | Method and system for implementing a dynamic verification value |
CA2697653A1 (en) * | 2007-08-22 | 2009-02-26 | Rafi Refaeli | Secured acquisition process via credit card terminal |
WO2009026460A1 (en) | 2007-08-23 | 2009-02-26 | Giftango Corporation | Systems and methods for electronic delivery of stored value |
US20090063312A1 (en) * | 2007-08-28 | 2009-03-05 | Hurst Douglas J | Method and System for Processing Secure Wireless Payment Transactions and for Providing a Virtual Terminal for Merchant Processing of Such Transactions |
US9292850B2 (en) | 2007-09-10 | 2016-03-22 | Visa U.S.A. Inc. | Host capture |
US7937324B2 (en) | 2007-09-13 | 2011-05-03 | Visa U.S.A. Inc. | Account permanence |
JP2010541046A (ja) | 2007-09-24 | 2010-12-24 | アップル インコーポレイテッド | 電子デバイスに組み込まれた認証システム |
US20140067675A1 (en) * | 2012-09-06 | 2014-03-06 | American Express Travel Related Services Company, Inc. | Authentication using dynamic codes |
US8549279B1 (en) | 2007-10-23 | 2013-10-01 | United Parcel Service Of America, Inc. | Encryption and tokenization architectures |
US20090112767A1 (en) | 2007-10-25 | 2009-04-30 | Ayman Hammad | Escrow system and method |
US7958052B2 (en) * | 2007-12-31 | 2011-06-07 | Mastercard International Incorporated | Methods and systems for cardholder initiated transactions |
US8589267B2 (en) | 2008-01-03 | 2013-11-19 | Mocapay, Inc. | System and method for re-distributing and transferring mobile gift cards |
US8600120B2 (en) | 2008-01-03 | 2013-12-03 | Apple Inc. | Personal computing device control using face detection and recognition |
US8744940B2 (en) | 2008-01-03 | 2014-06-03 | William O. White | System and method for distributing mobile compensation and incentives |
US20090216676A1 (en) * | 2008-02-21 | 2009-08-27 | Anup Kumar Mathur | Integrated mobile transaction system and methods thereof |
US20090254479A1 (en) * | 2008-04-02 | 2009-10-08 | Pharris Dennis J | Transaction server configured to authorize payment transactions using mobile telephone devices |
US8681965B1 (en) * | 2008-04-25 | 2014-03-25 | Intervoice Limited Partnership | Systems and methods for authenticating interactive voice response systems to callers |
US20090327131A1 (en) * | 2008-04-29 | 2009-12-31 | American Express Travel Related Services Company, Inc. | Dynamic account authentication using a mobile device |
US20090281949A1 (en) * | 2008-05-12 | 2009-11-12 | Appsware Wireless, Llc | Method and system for securing a payment transaction |
JP5401830B2 (ja) * | 2008-05-27 | 2014-01-29 | 日本電気株式会社 | 利用者認証システム、方法、プログラム |
US8374588B2 (en) * | 2008-06-02 | 2013-02-12 | Mocapay, Inc. | Method and system for sending marketing messages to mobile-device users from a mobile-commerce platform |
US8762210B2 (en) | 2008-06-03 | 2014-06-24 | Cardinalcommerce Corporation | Alternative payment implementation for electronic retailers |
US10157375B2 (en) * | 2008-06-03 | 2018-12-18 | Cardinalcommerce Corporation | Alternative payment implementation for electronic retailers |
US10008067B2 (en) | 2008-06-16 | 2018-06-26 | Visa U.S.A. Inc. | System and method for authorizing financial transactions with online merchants |
US8719164B2 (en) | 2008-06-19 | 2014-05-06 | Bill Me Later, Inc. | Method and system for engaging in a transaction between a business entity and a merchant |
CA2730175A1 (en) * | 2008-07-09 | 2010-01-14 | Xtreme Mobility Inc. | Secure wireless deposit system and method |
US8090650B2 (en) * | 2008-07-24 | 2012-01-03 | At&T Intellectual Property I, L.P. | Secure payment service and system for interactive voice response (IVR) systems |
US8219489B2 (en) * | 2008-07-29 | 2012-07-10 | Visa U.S.A. Inc. | Transaction processing using a global unique identifier |
AU2015215942B2 (en) * | 2008-08-11 | 2016-11-17 | Visa U.S.A. Inc. | Mobile payer authentication |
US8639600B2 (en) * | 2008-08-11 | 2014-01-28 | Visa U.S.A. Inc. | Mobile payer authentication |
US9256904B1 (en) * | 2008-08-14 | 2016-02-09 | Experian Information Solutions, Inc. | Multi-bureau credit file freeze and unfreeze |
US8447669B2 (en) | 2008-08-26 | 2013-05-21 | Visa U.S.A. Inc. | System and method for implementing financial assistance programs |
BRPI0921124A2 (pt) | 2008-11-06 | 2016-09-13 | Visa Int Service Ass | sistema para autenticar um consumidor, método implementado por computador, meio legível por computador, e, computador servidor. |
US8447977B2 (en) * | 2008-12-09 | 2013-05-21 | Canon Kabushiki Kaisha | Authenticating a device with a server over a network |
US11372954B2 (en) * | 2008-12-24 | 2022-06-28 | Mastercard International Incorporated | Systems and methods for authenticating an identity of a user of a transaction card |
GB2466676A (en) | 2009-01-06 | 2010-07-07 | Visa Europe Ltd | A method of processing payment authorisation requests |
GB2466810A (en) | 2009-01-08 | 2010-07-14 | Visa Europe Ltd | Processing payment authorisation requests |
US8826397B2 (en) * | 2009-01-15 | 2014-09-02 | Visa International Service Association | Secure remote authentication through an untrusted network |
US8577346B2 (en) * | 2009-03-02 | 2013-11-05 | First Data Corporation | Systems, methods, and apparatus for receiving promotion information by a mobile device |
US8577345B2 (en) * | 2009-03-02 | 2013-11-05 | First Data Corporation | Systems, methods, and apparatus for providing promotion information to a mobile device |
US8725121B2 (en) * | 2009-03-02 | 2014-05-13 | First Data Corporation | Systems, methods, and devices for prompting mobile device users for feedback information using tone transmissions |
US20100222037A1 (en) * | 2009-03-02 | 2010-09-02 | First Data Corporation | Systems, Methods, and Apparatus for Providing Terms and Conditions and Program Enrollment Information to a Mobile Device |
US8606638B2 (en) * | 2009-03-02 | 2013-12-10 | First Data Corporation | Systems, methods and apparatus for facilitating transactions using a mobile device |
US9077800B2 (en) * | 2009-03-02 | 2015-07-07 | First Data Corporation | Systems, methods, and devices for processing feedback information received from mobile devices responding to tone transmissions |
US8763096B1 (en) * | 2009-03-26 | 2014-06-24 | Symantec Corporation | Methods and systems for managing authentication |
US20100250442A1 (en) * | 2009-03-30 | 2010-09-30 | Appsware Wireless, Llc | Method and system for securing a payment transaction with a trusted code base |
US20100250441A1 (en) * | 2009-03-30 | 2010-09-30 | Appsware Wireless, Llc | Method and system for securing a payment transaction with trusted code base on a removable system module |
WO2010114799A1 (en) * | 2009-03-30 | 2010-10-07 | Appsware Wireless, Llc | Method and system for securing a payment transaction with trusted code base |
US9715681B2 (en) | 2009-04-28 | 2017-07-25 | Visa International Service Association | Verification of portable consumer devices |
US7891560B2 (en) | 2009-05-15 | 2011-02-22 | Visa International Service Assocation | 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 |
US9038886B2 (en) | 2009-05-15 | 2015-05-26 | Visa International Service Association | Verification of portable consumer devices |
US10846683B2 (en) | 2009-05-15 | 2020-11-24 | Visa International Service Association | Integration of verification tokens with mobile communication devices |
US8602293B2 (en) | 2009-05-15 | 2013-12-10 | Visa International Service Association | Integration of verification tokens with portable computing devices |
US8534564B2 (en) | 2009-05-15 | 2013-09-17 | Ayman Hammad | Integration of verification tokens with mobile communication devices |
US9105027B2 (en) | 2009-05-15 | 2015-08-11 | Visa International Service Association | Verification of portable consumer device for secure services |
US10140598B2 (en) | 2009-05-20 | 2018-11-27 | Visa International Service Association | Device including encrypted data for expiration date and verification value creation |
US20100306085A1 (en) * | 2009-06-02 | 2010-12-02 | Accenture Global Services Gmbh | Rapid item authentication via conventional communication channels |
US8710953B2 (en) * | 2009-06-12 | 2014-04-29 | Microsoft Corporation | Automatic portable electronic device configuration |
US20100325007A1 (en) * | 2009-06-23 | 2010-12-23 | Satyanarayanan Ramaswamy | System and method for mobile commerce using SMS and voice hybrid communication |
US10438181B2 (en) * | 2009-07-22 | 2019-10-08 | Visa International Service Association | Authorizing a payment transaction using seasoned data |
BR112012004723A2 (pt) * | 2009-09-02 | 2017-08-15 | Visa Int Service Ass | Método, servidor de transferência de valor e mídia legível por computador não temporária |
US9195980B2 (en) * | 2009-10-30 | 2015-11-24 | Nokia Technologies Oy | Method and apparatus for recovery during authentication |
US8452267B2 (en) * | 2009-11-27 | 2013-05-28 | Eazybreak Oy | System and method for granting access to a system |
US20110137740A1 (en) | 2009-12-04 | 2011-06-09 | Ashmit Bhattacharya | Processing value-ascertainable items |
US11928696B2 (en) | 2009-12-16 | 2024-03-12 | E2Interactive, Inc. | Systems and methods for generating a virtual value item for a promotional campaign |
US20110153461A1 (en) * | 2009-12-17 | 2011-06-23 | First Data Corporation | Enrollment authentication with entry of partial primary account number (pan) |
US10255591B2 (en) | 2009-12-18 | 2019-04-09 | Visa International Service Association | Payment channel returning limited use proxy dynamic value |
US8788429B2 (en) * | 2009-12-30 | 2014-07-22 | First Data Corporation | Secure transaction management |
AU2011205391B2 (en) | 2010-01-12 | 2014-11-20 | Visa International Service Association | Anytime validation for verification tokens |
CN102754116B (zh) | 2010-01-19 | 2016-08-03 | 维萨国际服务协会 | 基于令牌的交易认证 |
WO2011091021A2 (en) * | 2010-01-19 | 2011-07-28 | Visa International Service Association | Verification mechanism |
WO2011094869A1 (en) * | 2010-02-05 | 2011-08-11 | Lipso Systèmes Inc. | Secure authentication system and method |
US20110196724A1 (en) * | 2010-02-09 | 2011-08-11 | Charles Stanley Fenton | Consumer-oriented commerce facilitation services, applications, and devices |
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 |
CA2792364A1 (en) * | 2010-03-09 | 2011-09-15 | Visa International Service Association | System and method including dynamic verification value |
WO2011127177A2 (en) * | 2010-04-09 | 2011-10-13 | Visa International Service Association | System and method for securely validating transactions |
US8473414B2 (en) * | 2010-04-09 | 2013-06-25 | Visa International Service Association | System and method including chip-based device processing for transaction |
AP2012006576A0 (en) * | 2010-04-23 | 2012-12-31 | Thandisizwe Ezwenilethu Pama | Identity verification system using network initiated USSD |
WO2011153505A1 (en) * | 2010-06-04 | 2011-12-08 | Visa International Service Association | Payment tokenization apparatuses, methods and systems |
US10068287B2 (en) | 2010-06-11 | 2018-09-04 | David A. Nelsen | Systems and methods to manage and control use of a virtual card |
US11348150B2 (en) * | 2010-06-21 | 2022-05-31 | Paypal, Inc. | Systems and methods for facilitating card verification over a network |
KR101674565B1 (ko) * | 2010-07-01 | 2016-11-09 | 주식회사 엔씨소프트 | 스마트폰을 이용한 온라인 게임의 불법접속 차단 시스템 및 그 방법 |
US20120036076A1 (en) * | 2010-08-06 | 2012-02-09 | Jennifer Vanderwall | Prepaid distribution application and device |
US20120036048A1 (en) | 2010-08-06 | 2012-02-09 | Diy Media, Inc. | System and method for distributing multimedia content |
US9342832B2 (en) | 2010-08-12 | 2016-05-17 | Visa International Service Association | Securing external systems with account token substitution |
BR112013003369A2 (pt) | 2010-08-12 | 2020-08-04 | Mastercard International, Inc. | carteira com múltiplos canais de comércio para transações autenticadas |
GB2483051A (en) * | 2010-08-17 | 2012-02-29 | Mpower Payment Ltd | Ordering and paying for goods over a network using a mobile device |
US8601602B1 (en) | 2010-08-31 | 2013-12-03 | Google Inc. | Enhanced multi-factor authentication |
US9483786B2 (en) | 2011-10-13 | 2016-11-01 | Gift Card Impressions, LLC | Gift card ordering system and method |
US9031869B2 (en) | 2010-10-13 | 2015-05-12 | Gift Card Impressions, LLC | Method and system for generating a teaser video associated with a personalized gift |
US20120123924A1 (en) | 2010-10-20 | 2012-05-17 | Mark Rose | Virtual currency configuration apparatuses, methods and systems |
US8489071B2 (en) * | 2010-10-27 | 2013-07-16 | Mobilesphere Holdings LLC | System and method for assuring identity on a mobile device |
US9355389B2 (en) * | 2010-12-06 | 2016-05-31 | Voltage Security, Inc. | Purchase transaction system with encrypted payment card data |
CA2724297C (en) * | 2010-12-14 | 2013-11-12 | Xtreme Mobility Inc. | System and method for authenticating transactions through a mobile device |
US9596237B2 (en) | 2010-12-14 | 2017-03-14 | Salt Technology, Inc. | System and method for initiating transactions on a mobile device |
US20140156531A1 (en) * | 2010-12-14 | 2014-06-05 | Salt Technology Inc. | System and Method for Authenticating Transactions Through a Mobile Device |
US10360561B2 (en) * | 2010-12-14 | 2019-07-23 | Lime Light RM, Inc. | System and method for secured communications between a mobile device and a server |
US9123040B2 (en) | 2011-01-21 | 2015-09-01 | Iii Holdings 1, Llc | Systems and methods for encoded alias based transactions |
US20120239477A1 (en) | 2011-01-24 | 2012-09-20 | Allen Cueli | Statement Portal With Receipt Tagging And Associated Enhanced Benefit Messaging |
US8725644B2 (en) * | 2011-01-28 | 2014-05-13 | The Active Network, Inc. | Secure online transaction processing |
WO2012106655A2 (en) | 2011-02-05 | 2012-08-09 | Visa International Service Association | Merchant-consumer bridging platform apparatuses, methods and systems |
WO2012109628A2 (en) | 2011-02-10 | 2012-08-16 | Visa International Service Assocation | Electronic coupon issuance and redemption apparatuses, methods and systems |
US20120296826A1 (en) | 2011-05-18 | 2012-11-22 | Bytemark, Inc. | Method and system for distributing electronic tickets with visual display |
US10089606B2 (en) * | 2011-02-11 | 2018-10-02 | Bytemark, Inc. | System and method for trusted mobile device payment |
US10586227B2 (en) | 2011-02-16 | 2020-03-10 | Visa International Service Association | Snap mobile payment apparatuses, methods and systems |
WO2012112822A2 (en) | 2011-02-16 | 2012-08-23 | Visa International Service Association | Snap mobile payment apparatuses, methods and systems |
CN103635920A (zh) | 2011-02-22 | 2014-03-12 | 维萨国际服务协会 | 通用电子付款装置、方法与系统 |
US20120215658A1 (en) * | 2011-02-23 | 2012-08-23 | dBay Inc. | Pin-based payment confirmation |
AU2012223415B2 (en) | 2011-02-28 | 2017-05-18 | Visa International Service Association | Secure anonymous transaction apparatuses, methods and systems |
US9996838B2 (en) | 2011-03-04 | 2018-06-12 | Visa International Service Association | Cloud service facilitator apparatuses, methods and systems |
CN103503010B (zh) | 2011-03-04 | 2017-12-29 | 维萨国际服务协会 | 支付能力结合至计算机的安全元件 |
US10453067B2 (en) | 2011-03-11 | 2019-10-22 | Bytemark, Inc. | Short range wireless translation methods and systems for hands-free fare validation |
US20140068722A1 (en) * | 2011-03-11 | 2014-03-06 | CallSign, Inc. | Personal identity control |
US10762733B2 (en) | 2013-09-26 | 2020-09-01 | Bytemark, Inc. | Method and system for electronic ticket validation using proximity detection |
US8494967B2 (en) | 2011-03-11 | 2013-07-23 | Bytemark, Inc. | Method and system for distributing electronic tickets with visual display |
US10360567B2 (en) | 2011-03-11 | 2019-07-23 | Bytemark, Inc. | Method and system for distributing electronic tickets with data integrity checking |
US10534931B2 (en) * | 2011-03-17 | 2020-01-14 | Attachmate Corporation | Systems, devices and methods for automatic detection and masking of private data |
US9280765B2 (en) | 2011-04-11 | 2016-03-08 | Visa International Service Association | Multiple tokenization for authentication |
US20130110658A1 (en) * | 2011-05-05 | 2013-05-02 | Transaction Network Services, Inc. | Systems and methods for enabling mobile payments |
EP3869443A1 (en) * | 2011-05-10 | 2021-08-25 | Dynamics Inc. | Systems, devices, and methods for mobile payment acceptance, mobile authorizations, mobile wallets, and contactless communication mechanisms |
WO2012155081A1 (en) | 2011-05-11 | 2012-11-15 | Visa International Service Association | Electronic receipt manager apparatuses, methods and systems |
CN103797500A (zh) | 2011-06-03 | 2014-05-14 | 维萨国际服务协会 | 虚拟钱包卡选择装置、方法及系统 |
US8538845B2 (en) | 2011-06-03 | 2013-09-17 | Mozido, Llc | Monetary transaction system |
US9582598B2 (en) | 2011-07-05 | 2017-02-28 | Visa International Service Association | Hybrid applications utilizing distributed models and views apparatuses, methods and systems |
WO2013006725A2 (en) | 2011-07-05 | 2013-01-10 | Visa International Service Association | Electronic wallet checkout platform apparatuses, methods and systems |
US9355393B2 (en) | 2011-08-18 | 2016-05-31 | Visa International Service Association | Multi-directional wallet connector apparatuses, methods and systems |
US10438176B2 (en) | 2011-07-17 | 2019-10-08 | Visa International Service Association | Multiple merchant payment processor platform apparatuses, methods and systems |
US10510084B2 (en) | 2011-07-21 | 2019-12-17 | United States Postal Service | System and method for retrieving content associated with distribution items |
US9704155B2 (en) | 2011-07-29 | 2017-07-11 | Visa International Service Association | Passing payment tokens through an hop/sop |
US9075979B1 (en) | 2011-08-11 | 2015-07-07 | Google Inc. | Authentication based on proximity to mobile device |
US9710807B2 (en) | 2011-08-18 | 2017-07-18 | Visa International Service Association | Third-party value added wallet features and interfaces apparatuses, methods and systems |
US10318941B2 (en) | 2011-12-13 | 2019-06-11 | Visa International Service Association | Payment platform interface widget generation apparatuses, methods and systems |
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 |
US9165294B2 (en) | 2011-08-24 | 2015-10-20 | Visa International Service Association | Method for using barcodes and mobile devices to conduct payment transactions |
US9117225B2 (en) | 2011-09-16 | 2015-08-25 | Visa International Service Association | Apparatuses, methods and systems for transforming user infrastructure requests inputs to infrastructure design product and infrastructure allocation outputs |
WO2013043740A1 (en) * | 2011-09-19 | 2013-03-28 | Visa International Service Association | Issuer trusted party system |
RU2482538C1 (ru) * | 2011-09-21 | 2013-05-20 | Константин Михайлович Муссель | Способ оплаты товаров и услуг для традиционной и электронной коммерции |
WO2013044152A1 (en) * | 2011-09-21 | 2013-03-28 | Visa International Service Association | Merchant structure hierarchies for mediating transaction data access |
US10223730B2 (en) | 2011-09-23 | 2019-03-05 | Visa International Service Association | E-wallet store injection search apparatuses, methods and systems |
US8769624B2 (en) | 2011-09-29 | 2014-07-01 | Apple Inc. | Access control utilizing indirect authentication |
US9002322B2 (en) | 2011-09-29 | 2015-04-07 | Apple Inc. | Authentication with secondary approver |
US20130104197A1 (en) | 2011-10-23 | 2013-04-25 | Gopal Nandakumar | Authentication system |
US8713656B2 (en) | 2011-10-23 | 2014-04-29 | Gopal Nandakumar | Authentication method |
US9830596B2 (en) * | 2011-11-01 | 2017-11-28 | Stripe, Inc. | Method for conducting a transaction between a merchant site and a customer's electronic device without exposing payment information to a server-side application of the merchant site |
CN102447953A (zh) * | 2011-11-01 | 2012-05-09 | 苏州泽佑科技有限公司 | 流量计费有线电视系统缴费控制方法 |
TW201322198A (zh) * | 2011-11-17 | 2013-06-01 | Hon Hai Prec Ind Co Ltd | 充電控制系統及充電控制方法 |
US9208488B2 (en) | 2011-11-21 | 2015-12-08 | Mozido, Inc. | Using a mobile wallet infrastructure to support multiple mobile wallet providers |
US10438196B2 (en) | 2011-11-21 | 2019-10-08 | Mozido, Inc. | Using a mobile wallet infrastructure to support multiple mobile wallet providers |
US9002739B2 (en) * | 2011-12-07 | 2015-04-07 | Visa International Service Association | Method and system for signature capture |
US10949815B2 (en) | 2011-12-13 | 2021-03-16 | Visa International Service Association | Integrated mobile trusted service manager |
EP2791880A4 (en) * | 2011-12-13 | 2015-07-29 | Visa Int Service Ass | INTEGRATED MOBILE CONFIDENCE SERVICE MANAGER |
WO2013090611A2 (en) | 2011-12-13 | 2013-06-20 | Visa International Service Association | Dynamic widget generator apparatuses, methods and systems |
US9953378B2 (en) | 2012-04-27 | 2018-04-24 | Visa International Service Association | Social checkout widget generation and integration apparatuses, methods and systems |
WO2013090797A1 (en) | 2011-12-14 | 2013-06-20 | Visa International Service Association | Online account access control by mobile device |
US10223710B2 (en) | 2013-01-04 | 2019-03-05 | Visa International Service Association | Wearable intelligent vision device apparatuses, methods and systems |
US9451454B2 (en) | 2012-01-05 | 2016-09-20 | International Business Machines Corporation | Mobile device identification for secure device access |
CN104094302B (zh) | 2012-01-05 | 2018-12-14 | 维萨国际服务协会 | 用转换进行数据保护 |
US10262148B2 (en) | 2012-01-09 | 2019-04-16 | Visa International Service Association | Secure dynamic page content and layouts apparatuses, methods and systems |
US11308227B2 (en) | 2012-01-09 | 2022-04-19 | Visa International Service Association | Secure dynamic page content and layouts apparatuses, methods and systems |
US20130185207A1 (en) * | 2012-01-17 | 2013-07-18 | Mastercard International Incorporated | Method and system for online authentication using a credit/debit card processing system |
US8819794B2 (en) | 2012-01-19 | 2014-08-26 | Microsoft Corporation | Integrating server applications with multiple authentication providers |
WO2013113004A1 (en) | 2012-01-26 | 2013-08-01 | Visa International Service Association | System and method of providing tokenization as a service |
US10417677B2 (en) | 2012-01-30 | 2019-09-17 | Gift Card Impressions, LLC | Group video generating system |
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 |
GB2501229A (en) * | 2012-02-17 | 2013-10-23 | Elendra Raja | A method verifying the authenticity of a data source |
AP2014007920A0 (en) | 2012-02-22 | 2014-09-30 | Visa Int Service Ass | Data security system using mobile communications device |
US10282724B2 (en) | 2012-03-06 | 2019-05-07 | Visa International Service Association | Security system incorporating mobile device |
US9842335B2 (en) | 2012-03-23 | 2017-12-12 | The Toronto-Dominion Bank | System and method for authenticating a payment terminal |
US9152957B2 (en) | 2012-03-23 | 2015-10-06 | The Toronto-Dominion Bank | System and method for downloading an electronic product to a pin-pad terminal after validating an electronic shopping basket entry |
US9760939B2 (en) | 2012-03-23 | 2017-09-12 | The Toronto-Dominion Bank | System and method for downloading an electronic product to a pin-pad terminal using a directly-transmitted electronic shopping basket entry |
US8489507B1 (en) | 2012-03-28 | 2013-07-16 | Ebay Inc. | Alternative payment method for online transactions using interactive voice response |
US11836706B2 (en) | 2012-04-16 | 2023-12-05 | Sticky.Io, Inc. | Systems and methods for facilitating a transaction using a virtual card on a mobile device |
US20130282581A1 (en) * | 2012-04-18 | 2013-10-24 | Infosys Limited | Mobile device-based cardless financial transactions |
EP2828814A4 (en) * | 2012-04-18 | 2015-12-16 | Ebp Tecnologia Desenvolvimento De Sist S Ltda | SYSTEM AND METHOD FOR VERIFICATION AND AUTHENTICATION OF DATA AND IDENTITY |
US20130297501A1 (en) | 2012-05-04 | 2013-11-07 | Justin Monk | System and method for local data conversion |
US10275764B2 (en) * | 2012-05-04 | 2019-04-30 | Mastercard International Incorporated | Transaction data tokenization |
US20130312073A1 (en) * | 2012-05-16 | 2013-11-21 | Rajdeep Srivastav | Methods and systems for authentication of multiple sign-in accounts |
US8903360B2 (en) | 2012-05-17 | 2014-12-02 | International Business Machines Corporation | Mobile device validation |
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 |
US8639619B1 (en) | 2012-07-13 | 2014-01-28 | Scvngr, Inc. | Secure payment method and system |
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 |
US20140052557A1 (en) * | 2012-08-20 | 2014-02-20 | Adobe Systems Inc. | Method and apparatus for redeeming a software subscription while deterring piracy |
US10943432B2 (en) | 2012-09-04 | 2021-03-09 | E2Interactive, Inc. | Processing of a game-playing transaction based on location |
US9227136B2 (en) | 2012-09-04 | 2016-01-05 | Linq3 Technologies Llc | Systems and methods for integrated game play through the use of barcodes on smart phones and hand held devices |
US10229561B2 (en) | 2012-09-04 | 2019-03-12 | Linq3 Technologies Llc | Processing of a user device game-playing transaction based on location |
AU2013315510B2 (en) | 2012-09-11 | 2019-08-22 | Visa International Service Association | Cloud-based Virtual Wallet NFC Apparatuses, methods and systems |
US9881260B2 (en) | 2012-10-03 | 2018-01-30 | Moovel North America, Llc | Mobile ticketing |
WO2014055079A1 (en) * | 2012-10-04 | 2014-04-10 | Visa International Service Association | Electronic auctions over mobile communication networks |
US20140101046A1 (en) * | 2012-10-09 | 2014-04-10 | American Express Travel Related Services Company, Inc. | System and method for online financial transactions |
US8959032B2 (en) | 2012-10-10 | 2015-02-17 | Quisk, Inc. | Self-authenticating peer to peer transaction |
US10475024B1 (en) | 2012-10-15 | 2019-11-12 | Square, Inc. | Secure smart card transactions |
JP2014081779A (ja) | 2012-10-16 | 2014-05-08 | Canon Inc | 機器管理システム、周辺機器、及びその制御方法。 |
US10176478B2 (en) | 2012-10-23 | 2019-01-08 | Visa International Service Association | Transaction initiation determination system utilizing transaction data elements |
US10055727B2 (en) * | 2012-11-05 | 2018-08-21 | Mfoundry, Inc. | Cloud-based systems and methods for providing consumer financial data |
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 |
CN104838399B (zh) | 2012-12-10 | 2019-08-27 | 维萨国际服务协会 | 使用移动设备认证远程交易 |
US10592888B1 (en) * | 2012-12-17 | 2020-03-17 | Wells Fargo Bank, N.A. | Merchant account transaction processing systems and methods |
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 |
US9947007B2 (en) | 2013-01-27 | 2018-04-17 | Barry Greenbaum | Payment information technologies |
US20140215592A1 (en) * | 2013-01-30 | 2014-07-31 | Tencent Technology (Shenzhen) Company Limited | Method, apparatus and system for user authentication |
US9565911B2 (en) | 2013-02-15 | 2017-02-14 | Gift Card Impressions, LLC | Gift card presentation devices |
US11219288B2 (en) | 2013-02-15 | 2022-01-11 | E2Interactive, Inc. | Gift card box with slanted tray and slit |
US20140258009A1 (en) * | 2013-03-05 | 2014-09-11 | Mobibucks Corp. | Payment service registration |
US8694438B1 (en) | 2013-03-12 | 2014-04-08 | Scvngr | Distributed authenticity verification for consumer payment transactions |
US10115268B2 (en) | 2013-03-15 | 2018-10-30 | Linq3 Technologies Llc | Systems and methods for integrated game play at payment-enabled terminals |
US9613377B2 (en) | 2013-03-15 | 2017-04-04 | Visa International Service Association | Account provisioning authentication |
US11055710B2 (en) | 2013-05-02 | 2021-07-06 | Visa International Service Association | Systems and methods for verifying and processing transactions using virtual currency |
US10217107B2 (en) | 2013-05-02 | 2019-02-26 | Gift Card Impressions, LLC | Stored value card kiosk system and method |
WO2014186635A1 (en) | 2013-05-15 | 2014-11-20 | Visa International Service Association | Mobile tokenization hub |
DE102013105781A1 (de) * | 2013-06-05 | 2014-12-11 | Ralf Sommer | Verfahren zur Adressierung, Authentifizierung und sicheren Datenspeicherung in Rechnersystemen |
US10878422B2 (en) * | 2013-06-17 | 2020-12-29 | Visa International Service Association | System and method using merchant token |
US8770478B2 (en) | 2013-07-11 | 2014-07-08 | Scvngr, Inc. | Payment processing with automatic no-touch mode selection |
EP3025293A4 (en) | 2013-07-24 | 2017-03-29 | Visa International Service Association | Systems and methods for communicating risk using token assurance data |
AU2014294613B2 (en) | 2013-07-26 | 2017-03-16 | Visa International Service Association | Provisioning payment credentials to a consumer |
US20150039503A1 (en) * | 2013-08-05 | 2015-02-05 | Ebay Inc. | Mobile remittances/payments |
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 |
US9413749B2 (en) | 2013-08-20 | 2016-08-09 | Vascode Technologies Ltd. | System and method of authentication of a first party respective of a second party aided by a third party |
US10460322B2 (en) | 2013-08-30 | 2019-10-29 | Mastercard International Incorporated | Methods and systems for verifying cardholder authenticity when provisioning a token |
US9898642B2 (en) | 2013-09-09 | 2018-02-20 | Apple Inc. | Device, method, and graphical user interface for manipulating user interfaces based on fingerprint sensor inputs |
US20150081495A1 (en) * | 2013-09-19 | 2015-03-19 | Barclays Bank Plc | System and Method for Account Succession |
DE102013016119B4 (de) * | 2013-09-27 | 2023-07-20 | Giesecke+Devrient Mobile Security Gmbh | Verfahren zur Bezahlung |
US10515368B1 (en) | 2013-10-01 | 2019-12-24 | Wells Fargo Bank, N.A. | Interbank account verification and funds transfer system and method |
US9978094B2 (en) | 2013-10-11 | 2018-05-22 | Visa International Service Association | Tokenization revocation list |
US10891610B2 (en) | 2013-10-11 | 2021-01-12 | Visa International Service Association | Network token system |
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 |
JP6393325B2 (ja) | 2013-10-30 | 2018-09-19 | アップル インコーポレイテッドApple Inc. | 関連するユーザインターフェースオブジェクトの表示 |
USD776687S1 (en) * | 2013-11-06 | 2017-01-17 | Visa International Service Association | Display screen or portion thereof with a graphical user interface |
AU2014353151B2 (en) | 2013-11-19 | 2018-03-08 | Visa International Service Association | Automated account provisioning |
US9928358B2 (en) * | 2013-12-09 | 2018-03-27 | Mastercard International Incorporated | Methods and systems for using transaction data to authenticate a user of a computing device |
US11823190B2 (en) * | 2013-12-09 | 2023-11-21 | Mastercard International Incorporated | Systems, apparatus and methods for improved authentication |
US9424410B2 (en) | 2013-12-09 | 2016-08-23 | Mastercard International Incorporated | Methods and systems for leveraging transaction data to dynamically authenticate a user |
CA2931093A1 (en) | 2013-12-19 | 2015-06-25 | Visa International Service Association | Cloud-based transactions methods and systems |
US9922322B2 (en) | 2013-12-19 | 2018-03-20 | Visa International Service Association | Cloud-based transactions with magnetic secure transmission |
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 |
SG2014008932A (en) | 2014-02-06 | 2015-09-29 | Mastercard Asia Pacific Pte Ltd | A method and a corresponding proxy server, system, computer-readable storage medium and computer program |
US9860187B2 (en) * | 2014-02-28 | 2018-01-02 | Mobile Iron, Inc. | Enrolling a mobile device with an enterprise mobile device management environment |
EP2919178A1 (en) * | 2014-03-12 | 2015-09-16 | Alcatel Lucent | System and method of account access notification |
WO2015142321A1 (en) * | 2014-03-18 | 2015-09-24 | Hewlett Packard Development Company, L.P. | Secure element |
US10176542B2 (en) * | 2014-03-24 | 2019-01-08 | Mastercard International Incorporated | Systems and methods for identity validation and verification |
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 |
US10262346B2 (en) | 2014-04-30 | 2019-04-16 | Gift Card Impressions, Inc. | System and method for a merchant onsite personalization gifting platform |
US11030587B2 (en) * | 2014-04-30 | 2021-06-08 | Mastercard International Incorporated | Systems and methods for providing anonymized transaction data to third-parties |
CN106233664B (zh) | 2014-05-01 | 2020-03-13 | 维萨国际服务协会 | 使用访问装置的数据验证 |
KR20160146784A (ko) | 2014-05-05 | 2016-12-21 | 비자 인터네셔널 서비스 어소시에이션 | 토큰 도메인 제어를 위한 시스템 및 방법 |
US8990121B1 (en) | 2014-05-08 | 2015-03-24 | Square, Inc. | Establishment of a secure session between a card reader and a mobile device |
US10959093B2 (en) * | 2014-05-08 | 2021-03-23 | Visa International Service Association | Method and system for provisioning access data to mobile device |
US10070310B2 (en) | 2014-05-08 | 2018-09-04 | Visa International Service Association | Method and system for provisioning access data to mobile device |
GB2530472A (en) * | 2014-05-21 | 2016-03-30 | Euronet Usa Llc | Financial switching engine |
WO2015179637A1 (en) | 2014-05-21 | 2015-11-26 | Visa International Service Association | Offline authentication |
CN110807631A (zh) * | 2014-05-29 | 2020-02-18 | 苹果公司 | 用于支付的用户接口 |
US9483763B2 (en) | 2014-05-29 | 2016-11-01 | Apple Inc. | User interface for payments |
US9967401B2 (en) | 2014-05-30 | 2018-05-08 | Apple Inc. | User interface for phone call routing among devices |
US11023890B2 (en) | 2014-06-05 | 2021-06-01 | Visa International Service Association | Identification and verification for provisioning mobile application |
US9760740B1 (en) | 2014-06-23 | 2017-09-12 | Square, Inc. | Terminal case with integrated dual reader stack |
US10212136B1 (en) | 2014-07-07 | 2019-02-19 | Microstrategy Incorporated | Workstation log-in |
US9780953B2 (en) | 2014-07-23 | 2017-10-03 | Visa International Service Association | Systems and methods for secure detokenization |
WO2016019163A1 (en) * | 2014-07-30 | 2016-02-04 | Visa International Service Association | Authentication system with message conversion |
US10108947B2 (en) * | 2014-07-31 | 2018-10-23 | Square, Inc. | Smart card reader with public key index on host device |
US10484345B2 (en) | 2014-07-31 | 2019-11-19 | Visa International Service Association | System and method for identity verification across mobile applications |
US10339293B2 (en) | 2014-08-15 | 2019-07-02 | Apple Inc. | Authenticated device used to unlock another device |
US9775029B2 (en) | 2014-08-22 | 2017-09-26 | Visa International Service Association | Embedding cloud-based functionalities in a communication device |
WO2016036603A1 (en) | 2014-09-02 | 2016-03-10 | Apple Inc. | Reduced size configuration interface |
US10066959B2 (en) | 2014-09-02 | 2018-09-04 | Apple Inc. | User interactions for a mapping application |
US10657521B2 (en) * | 2014-09-16 | 2020-05-19 | Mastercard International Incorporated | Systems and methods for determining fraudulent transactions using digital wallet data |
US10140615B2 (en) | 2014-09-22 | 2018-11-27 | Visa International Service Association | Secure mobile device credential provisioning using risk decision non-overrides |
SG10201810140QA (en) | 2014-09-26 | 2018-12-28 | Visa Int Service Ass | Remote server encrypted data provisioning system and methods |
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 |
US9888380B2 (en) * | 2014-10-30 | 2018-02-06 | The Western Union Company | Methods and systems for validating mobile devices of customers via third parties |
WO2016077847A2 (en) * | 2014-11-12 | 2016-05-19 | Tiragalo Creations Cc | System and method for conducting secure credit, debit and retail card transactions |
US10325261B2 (en) | 2014-11-25 | 2019-06-18 | Visa International Service Association | Systems communications with non-sensitive identifiers |
US9875468B2 (en) | 2014-11-26 | 2018-01-23 | Buy It Mobility Networks Inc. | Intelligent authentication process |
SG11201702763TA (en) | 2014-11-26 | 2017-05-30 | Visa Int Service Ass | Tokenization request via access device |
US10753982B2 (en) | 2014-12-09 | 2020-08-25 | Square, Inc. | Monitoring battery health of a battery used in a device |
CN107005563B (zh) | 2014-12-12 | 2021-03-30 | 维萨国际服务协会 | 用于机器对机器装置的供应平台 |
US10257185B2 (en) | 2014-12-12 | 2019-04-09 | Visa International Service Association | Automated access data provisioning |
US9792604B2 (en) | 2014-12-19 | 2017-10-17 | moovel North Americ, LLC | Method and system for dynamically interactive visually validated mobile ticketing |
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 |
US20160224973A1 (en) | 2015-02-01 | 2016-08-04 | Apple Inc. | User interface for payments |
US11176554B2 (en) | 2015-02-03 | 2021-11-16 | Visa International Service Association | Validation identity tokens for transactions |
US11216468B2 (en) | 2015-02-08 | 2022-01-04 | Visa International Service Association | Converged merchant processing apparatuses, methods and systems |
US10977657B2 (en) | 2015-02-09 | 2021-04-13 | Visa International Service Association | Token processing utilizing multiple authorizations |
US9574896B2 (en) | 2015-02-13 | 2017-02-21 | Apple Inc. | Navigation user interface |
US11068866B1 (en) | 2015-02-17 | 2021-07-20 | Wells Fargo Bank, N.A. | Real-time interbank transactions systems and methods |
US10254911B2 (en) | 2015-03-08 | 2019-04-09 | Apple Inc. | Device configuration user interface |
US10164996B2 (en) | 2015-03-12 | 2018-12-25 | Visa International Service Association | Methods and systems for providing a low value token buffer |
US10769622B2 (en) | 2015-03-25 | 2020-09-08 | Facebook, Inc. | User communications with a merchant through a social networking system |
US10333921B2 (en) | 2015-04-10 | 2019-06-25 | Visa International Service Association | Browser integration with Cryptogram |
US9998978B2 (en) | 2015-04-16 | 2018-06-12 | Visa International Service Association | Systems and methods for processing dormant virtual access devices |
US10701067B1 (en) | 2015-04-24 | 2020-06-30 | Microstrategy Incorporated | Credential management using wearable devices |
US10552834B2 (en) | 2015-04-30 | 2020-02-04 | Visa International Service Association | Tokenization capable authentication framework |
US9940637B2 (en) | 2015-06-05 | 2018-04-10 | Apple Inc. | User interface for loyalty accounts and private label accounts |
US20160358133A1 (en) | 2015-06-05 | 2016-12-08 | Apple Inc. | User interface for loyalty accounts and private label accounts for a wearable device |
US20200402049A1 (en) * | 2015-06-11 | 2020-12-24 | APPI Technologia S/A (D.B.A. MUXI) | Antifraud Resilient Transaction Identifier Datastructure Apparatuses, Methods and Systems |
US11715109B2 (en) | 2015-06-11 | 2023-08-01 | Idid Tecnologia Ltda | Point of sale apparatuses, methods and systems |
US11367077B2 (en) * | 2015-06-11 | 2022-06-21 | Idid Tecnologia Ltda | Antifraud resilient transaction identifier datastructure apparatuses, methods and systems |
GB201510347D0 (en) * | 2015-06-12 | 2015-07-29 | Mastercard International Inc | Methods and systems for reporting transaction issues |
US11017375B2 (en) * | 2015-07-30 | 2021-05-25 | Mastercard International Incorporated | Systems and methods for using an internet of things device presence to authenticate a cardholder for a financial transaction |
JP2018533144A (ja) * | 2015-08-10 | 2018-11-08 | アイピーシディー,インコーポレイテッド | 並列自律チャネルマルチユーザ・マルチファクタ認証に基づく取引承認の方法およびシステム |
MX2018001976A (es) | 2015-08-17 | 2019-02-14 | Bytemark Inc | Metodos de translacion inalambrica de corto alcance y sistema para validacion de billetes en modo manos libres. |
US11803784B2 (en) | 2015-08-17 | 2023-10-31 | Siemens Mobility, Inc. | Sensor fusion for transit applications |
US9935941B2 (en) * | 2015-09-16 | 2018-04-03 | International Business Machines Corporation | Mobile based multi-channel citizen account origination in digital economy |
US11232453B2 (en) * | 2015-09-30 | 2022-01-25 | Mastercard International Incorporated | Method and system for authentication data collection and reporting |
US11068889B2 (en) | 2015-10-15 | 2021-07-20 | Visa International Service Association | Instant token issuance |
US10528939B2 (en) * | 2015-10-16 | 2020-01-07 | Bank Of American Corporation | Telephone-based payments using tokens |
US11010782B2 (en) * | 2015-10-16 | 2021-05-18 | International Business Machines Corporation | Payment for a service utilizing information |
US20170116621A1 (en) * | 2015-10-27 | 2017-04-27 | Mastercard International Incorporated | Method and system for predicting service provider performance based on industry data |
SG10201508866SA (en) * | 2015-10-27 | 2017-05-30 | Mastercard International Inc | Method for predicting purchasing behaviour of digital wallet users for wallet-based transactions |
CN108370319B (zh) | 2015-12-04 | 2021-08-17 | 维萨国际服务协会 | 用于令牌验证的方法及计算机 |
US10003686B2 (en) | 2016-01-04 | 2018-06-19 | Bank Of America Corporation | System for remotely controlling access to a mobile device |
US10002248B2 (en) | 2016-01-04 | 2018-06-19 | Bank Of America Corporation | Mobile device data security system |
US9749308B2 (en) | 2016-01-04 | 2017-08-29 | Bank Of America Corporation | System for assessing network authentication requirements based on situational instance |
US9723485B2 (en) | 2016-01-04 | 2017-08-01 | Bank Of America Corporation | System for authorizing access based on authentication via separate channel |
US9912700B2 (en) | 2016-01-04 | 2018-03-06 | Bank Of America Corporation | System for escalating security protocol requirements |
WO2017120605A1 (en) | 2016-01-07 | 2017-07-13 | Visa International Service Association | Systems and methods for device push provisioning |
US10475036B2 (en) * | 2016-01-08 | 2019-11-12 | Ca, Inc. | Restricting account use by controlled replenishment |
WO2017136418A1 (en) | 2016-02-01 | 2017-08-10 | Visa International Service Association | Systems and methods for code display and use |
US10231128B1 (en) | 2016-02-08 | 2019-03-12 | Microstrategy Incorporated | Proximity-based device access |
US10855664B1 (en) | 2016-02-08 | 2020-12-01 | Microstrategy Incorporated | Proximity-based logical access |
US11501288B2 (en) | 2016-02-09 | 2022-11-15 | Visa International Service Association | Resource provider account token provisioning and processing |
AU2017238223A1 (en) | 2016-03-22 | 2018-08-09 | Visa International Service Association | Adaptable authentication 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 |
US20170316415A1 (en) * | 2016-04-29 | 2017-11-02 | Mastercard International Incorporated | Systems and methods for extracting browser-obtained device information for authenticating user devices |
DK179186B1 (en) | 2016-05-19 | 2018-01-15 | Apple Inc | REMOTE AUTHORIZATION TO CONTINUE WITH AN ACTION |
US11250424B2 (en) | 2016-05-19 | 2022-02-15 | Visa International Service Association | Systems and methods for creating subtokens using primary tokens |
KR20230038810A (ko) | 2016-06-03 | 2023-03-21 | 비자 인터네셔널 서비스 어소시에이션 | 접속된 디바이스를 위한 서브토큰 관리 시스템 |
WO2017214380A1 (en) * | 2016-06-08 | 2017-12-14 | University Of Florida Research Foundation, Incorporated | Practical end-to-end cryptographic authentication for telephony over voice channels |
US10621581B2 (en) | 2016-06-11 | 2020-04-14 | Apple Inc. | User interface for transactions |
CN109313759B (zh) | 2016-06-11 | 2022-04-26 | 苹果公司 | 用于交易的用户界面 |
DK201670622A1 (en) | 2016-06-12 | 2018-02-12 | Apple Inc | User interfaces for transactions |
US11068899B2 (en) | 2016-06-17 | 2021-07-20 | Visa International Service Association | Token aggregation for multi-party transactions |
WO2017223525A1 (en) | 2016-06-24 | 2017-12-28 | Visa International Service Association | Unique token authentication cryptogram |
WO2018013431A2 (en) | 2016-07-11 | 2018-01-18 | Visa International Service Association | Encryption key exchange process using access device |
GB2567081A (en) | 2016-07-15 | 2019-04-03 | Cardinalcommerce Coorporation | Authentication to authorization bridge using enriched messages |
CN116739570A (zh) | 2016-07-19 | 2023-09-12 | 维萨国际服务协会 | 分发令牌和管理令牌关系的方法 |
US11023880B2 (en) * | 2016-07-23 | 2021-06-01 | Vray Inc. | Online mobile payment system and method using authentication codes |
US20180068313A1 (en) | 2016-09-06 | 2018-03-08 | Apple Inc. | User interfaces for stored-value accounts |
US10509779B2 (en) | 2016-09-14 | 2019-12-17 | Visa International Service Association | Self-cleaning token vault |
DK179978B1 (en) | 2016-09-23 | 2019-11-27 | Apple Inc. | IMAGE DATA FOR ENHANCED USER INTERACTIONS |
US10860199B2 (en) | 2016-09-23 | 2020-12-08 | Apple Inc. | Dynamically adjusting touch hysteresis based on contextual data |
US9940612B1 (en) | 2016-09-30 | 2018-04-10 | Square, Inc. | Fraud detection in portable payment readers |
US10803461B2 (en) | 2016-09-30 | 2020-10-13 | Square, Inc. | Fraud detection in portable payment readers |
US10496808B2 (en) | 2016-10-25 | 2019-12-03 | Apple Inc. | User interface for managing access to credentials for use in an operation |
WO2018098492A1 (en) | 2016-11-28 | 2018-05-31 | Visa International Service Association | Access identifier provisioning to application |
US20180181963A1 (en) * | 2016-12-23 | 2018-06-28 | Mastercard International Incorporated | Method and system for purchase precheck |
US10243930B2 (en) | 2017-01-11 | 2019-03-26 | Mastercard International Incorporated | Systems and methods for secure communication bootstrapping of a device |
US10915899B2 (en) | 2017-03-17 | 2021-02-09 | Visa International Service Association | Replacing token on a multi-token user device |
US11049101B2 (en) * | 2017-03-21 | 2021-06-29 | Visa International Service Association | Secure remote transaction framework |
EP3607535A4 (en) * | 2017-04-05 | 2020-04-29 | Visa International Service Association | SYSTEM AND METHOD FOR ELECTRONIC ACKNOWLEDGMENT SERVICES |
US10621587B2 (en) * | 2017-04-10 | 2020-04-14 | Bank Of America Corporation | Fraud remediation tool |
US10657242B1 (en) | 2017-04-17 | 2020-05-19 | Microstrategy Incorporated | Proximity-based access |
US10771458B1 (en) | 2017-04-17 | 2020-09-08 | MicoStrategy Incorporated | Proximity-based user authentication |
US11140157B1 (en) | 2017-04-17 | 2021-10-05 | Microstrategy Incorporated | Proximity-based access |
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 |
US10735183B1 (en) | 2017-06-30 | 2020-08-04 | Experian Information Solutions, Inc. | Symmetric encryption for private smart contracts among multiple parties in a private peer-to-peer network |
US10491389B2 (en) | 2017-07-14 | 2019-11-26 | Visa International Service Association | Token provisioning utilizing a secure authentication system |
US10708268B2 (en) * | 2017-07-31 | 2020-07-07 | Airwatch, Llc | Managing voice applications within a digital workspace |
US10891621B2 (en) | 2017-08-09 | 2021-01-12 | Microsoft Technology Licensing, Llc | Systems and methods of providing security in an electronic network |
EP4155988A1 (en) | 2017-09-09 | 2023-03-29 | Apple Inc. | Implementation of biometric authentication for performing a respective function |
KR102185854B1 (ko) | 2017-09-09 | 2020-12-02 | 애플 인크. | 생체측정 인증의 구현 |
US11615421B2 (en) * | 2017-09-12 | 2023-03-28 | Mastercard International Incorporated | Methods, system and computer program product for selectively responding to presentation of payment card information |
US20190087823A1 (en) * | 2017-09-20 | 2019-03-21 | Mastercard International Incorporated | Cashless transaction processing methods and apparatus |
KR101970152B1 (ko) * | 2017-09-22 | 2019-04-17 | 코나아이 (주) | 멀티 카드 및 이를 이용한 결제 방법 |
KR20190044331A (ko) * | 2017-10-20 | 2019-04-30 | 정혜진 | 사용자 단말기를 이용한 결제 방법 |
US10954049B2 (en) | 2017-12-12 | 2021-03-23 | E2Interactive, Inc. | Viscous liquid vessel for gifting |
US10812460B2 (en) | 2018-01-02 | 2020-10-20 | Bank Of America Corporation | Validation system utilizing dynamic authentication |
EP3515034B1 (de) * | 2018-01-17 | 2020-05-13 | ise Individuelle Software und Elektronik GmbH | Verfahren, vorrichtungen, computerlesbare medien und systeme zum aufbau zertifizierter verbindungen mit endgeräten in einem lokalen netzwerk |
EP3762844A4 (en) | 2018-03-07 | 2021-04-21 | Visa International Service Association | SECURE REMOTE TOKEN RELEASE WITH ONLINE AUTHENTICATION |
US10839454B2 (en) * | 2018-03-13 | 2020-11-17 | Bank Of America Corporation | System and platform for execution of consolidated resource-based action |
US11687929B2 (en) * | 2018-03-23 | 2023-06-27 | American Express Travel Related Services Co., Inc. | Authenticated secure online and offline transactions |
WO2019195143A1 (en) * | 2018-04-05 | 2019-10-10 | Visa International Service Association | System, method, and apparatus for authenticating a user |
US10783516B2 (en) * | 2018-04-11 | 2020-09-22 | Capital One Services, Llc | Systems and methods for automatically identifying a checkout webpage and injecting a virtual token |
US11496481B2 (en) | 2018-04-24 | 2022-11-08 | Visa International Service Association | Efficient and secure authentication system |
US11475445B2 (en) * | 2018-04-27 | 2022-10-18 | Visa International Service Association | Secure authentication system with token service |
US12020309B2 (en) | 2018-05-18 | 2024-06-25 | E2Interactive, Inc. | Augmented reality gifting on a mobile device |
US11361284B1 (en) | 2018-05-31 | 2022-06-14 | Stripe, Inc. | Payment processing method and apparatus using an intermediary platform |
US11170085B2 (en) | 2018-06-03 | 2021-11-09 | Apple Inc. | Implementation of biometric authentication |
RU2703953C1 (ru) * | 2018-06-14 | 2019-10-22 | Мастеркард Интернэшнл Инкорпорейтед | Система и компьютерно-реализуемый способ для обезличивания данных при коммутации между юрисдикциями в системах платежей |
US11256789B2 (en) | 2018-06-18 | 2022-02-22 | Visa International Service Association | Recurring token transactions |
US12021872B2 (en) | 2018-06-21 | 2024-06-25 | Capital One Services, Llc | Systems and methods for providing electronic items |
US10380596B1 (en) | 2018-06-21 | 2019-08-13 | Capital One Services, Llc | Systems for providing and processing pre-authorized customizable gift tokens |
CN112740207A (zh) | 2018-08-22 | 2021-04-30 | 维萨国际服务协会 | 用于令牌预配和处理的方法和系统 |
US11605065B2 (en) * | 2018-08-24 | 2023-03-14 | Mastercard International Incorporated | Systems and methods for secure remote commerce |
US10860096B2 (en) | 2018-09-28 | 2020-12-08 | Apple Inc. | Device control using gaze information |
US11100349B2 (en) | 2018-09-28 | 2021-08-24 | Apple Inc. | Audio assisted enrollment |
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 |
US11706213B2 (en) * | 2018-11-13 | 2023-07-18 | Mastercard International Incorporated | Systems and methods for facilitating network voice authentication |
CN116074089A (zh) | 2018-11-14 | 2023-05-05 | 维萨国际服务协会 | 多个令牌的云令牌预配 |
CN109472573B (zh) * | 2018-11-22 | 2022-02-15 | 北京拉近互动传媒科技有限公司 | 一种基于手机app自助红包形式付费系统及方法 |
EP3660771A1 (en) * | 2018-11-29 | 2020-06-03 | Mastercard International Incorporated | Online authentication |
WO2020123738A1 (en) * | 2018-12-12 | 2020-06-18 | Carrier Corporation | System and method for providing hvac sales / services |
KR20210132646A (ko) * | 2019-01-15 | 2021-11-04 | 비자 인터네셔널 서비스 어소시에이션 | 디지털 거래를 인증하기 위한 방법 및 시스템 |
US11562355B2 (en) | 2019-01-31 | 2023-01-24 | Visa International Service Association | Method, system, and computer program product for automatically re-processing a transaction |
FR3092927B1 (fr) * | 2019-02-19 | 2021-12-03 | Ingenico Group | Procédé de traitement d'une transaction de paiement, dispositif, système et programmes correspondants |
US11356458B2 (en) | 2019-03-15 | 2022-06-07 | Mastercard International Incorporated | Systems, methods, and computer program products for dual layer federated identity based access control |
US11328352B2 (en) | 2019-03-24 | 2022-05-10 | Apple Inc. | User interfaces for managing an account |
CN110175828B (zh) * | 2019-04-10 | 2021-02-23 | 创新先进技术有限公司 | 基于银行卡快捷支付签约的用户核验方法及装置 |
US10825023B2 (en) | 2019-04-10 | 2020-11-03 | Advanced New Technologies Co., Ltd. | Verification method and apparatus for user signing fast payment with bank card |
WO2020236135A1 (en) | 2019-05-17 | 2020-11-26 | Visa International Service Association | Virtual access credential interaction system and method |
US11481094B2 (en) | 2019-06-01 | 2022-10-25 | Apple Inc. | User interfaces for location-related communications |
US11477609B2 (en) | 2019-06-01 | 2022-10-18 | Apple Inc. | User interfaces for location-related communications |
US11397950B2 (en) * | 2019-06-20 | 2022-07-26 | Microsoft Technology Licensing, Llc | Systems and methods for authenticating an electronic transaction |
US20200402068A1 (en) * | 2019-06-21 | 2020-12-24 | Visa International Service Association | Method, System, and Computer Program Product for Account Verification |
US20220291979A1 (en) * | 2019-08-08 | 2022-09-15 | Visa International Service Association | Mobile application integration |
US11423405B2 (en) | 2019-09-10 | 2022-08-23 | International Business Machines Corporation | Peer validation for unauthorized transactions |
US11169830B2 (en) | 2019-09-29 | 2021-11-09 | Apple Inc. | Account management user interfaces |
KR102602556B1 (ko) | 2019-09-29 | 2023-11-14 | 애플 인크. | 계정 관리 사용자 인터페이스들 |
EP3809352A1 (en) | 2019-10-18 | 2021-04-21 | Mastercard International Incorporated | Authentication for secure transactions in a multi-server environment |
EP3809350A1 (en) * | 2019-10-18 | 2021-04-21 | Mastercard International Incorporated | Enchanced security in sensitive data transfer over a network |
CN111242590A (zh) * | 2020-01-06 | 2020-06-05 | 深圳壹账通智能科技有限公司 | 基于acs系统的数据处理方法、系统和存储介质 |
CN115315924A (zh) * | 2020-03-05 | 2022-11-08 | 维萨国际服务协会 | 使用移动装置在访问控制服务器处进行用户认证 |
US11316843B1 (en) * | 2020-03-31 | 2022-04-26 | Amazon Technologies, Inc. | Systems for authenticating users from a separate user interface |
DK180985B1 (da) | 2020-04-10 | 2022-09-02 | Apple Inc | Brugergrænseflader for muliggørelse af en aktivitet |
CN111539717A (zh) * | 2020-04-20 | 2020-08-14 | 车主邦(北京)科技有限公司 | 车辆支付电子标签的处理方法 |
US11816194B2 (en) | 2020-06-21 | 2023-11-14 | Apple Inc. | User interfaces for managing secure operations |
CN111914230B (zh) * | 2020-07-17 | 2023-06-23 | 中国联合网络通信集团有限公司 | 基于区块链的身份验证方法、系统、终端设备及存储介质 |
US11328274B2 (en) | 2020-07-28 | 2022-05-10 | Bank Of America Corporation | Data processing system and method for managing electronic split transactions using user profiles |
US12021861B2 (en) * | 2021-01-04 | 2024-06-25 | Bank Of America Corporation | Identity verification through multisystem cooperation |
EP4264460A1 (en) | 2021-01-25 | 2023-10-25 | Apple Inc. | Implementation of biometric authentication |
US11888854B2 (en) | 2021-08-23 | 2024-01-30 | The Toronto-Dominion Bank | Systems and methods for authenticating end users of a web service |
Family Cites Families (143)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US177047A (en) * | 1876-05-02 | meeeick | ||
WO1990004832A1 (en) | 1988-10-18 | 1990-05-03 | Oki Electric Industry Co., Ltd. | System for collating personal identification number |
DK0504364T3 (da) | 1990-08-29 | 1998-03-16 | Hughes Aircraft Co | Protokol til distribueret brugerautentifikation |
US5163098A (en) | 1990-09-06 | 1992-11-10 | Dahbura Abbud S | System for preventing fraudulent use of credit card |
ATE188562T1 (de) | 1990-12-24 | 2000-01-15 | Motorola Inc | Elektronische geldbörse |
CA2100134C (en) | 1992-09-29 | 1999-06-22 | Raymond Otto Colbert | Secure credit/debit card authorization |
WO1995008885A1 (en) | 1993-09-20 | 1995-03-30 | International Business Machines Corporation | System and method for changing the key or password in a secure distributed communications network |
EP1235177A3 (en) | 1993-12-16 | 2003-10-08 | divine technology ventures | Digital active advertising |
US5420926A (en) | 1994-01-05 | 1995-05-30 | At&T Corp. | Anonymous credit card transactions |
US5712913A (en) | 1994-02-08 | 1998-01-27 | Digicash Incorporated | Limited-traceability systems |
US5544322A (en) | 1994-05-09 | 1996-08-06 | International Business Machines Corporation | System and method for policy-based inter-realm authentication within a distributed processing system |
US5826241A (en) | 1994-09-16 | 1998-10-20 | First Virtual Holdings Incorporated | Computerized system for making payments and authenticating transactions over the internet |
US5715314A (en) | 1994-10-24 | 1998-02-03 | Open Market, Inc. | Network sales system |
US5826245A (en) | 1995-03-20 | 1998-10-20 | Sandberg-Diment; Erik | Providing verification information for a transaction |
US7937312B1 (en) | 1995-04-26 | 2011-05-03 | Ebay Inc. | Facilitating electronic commerce transactions through binding offers |
US5845265A (en) | 1995-04-26 | 1998-12-01 | Mercexchange, L.L.C. | Consignment nodes |
US5671279A (en) | 1995-11-13 | 1997-09-23 | Netscape Communications Corporation | Electronic commerce using a secure courier system |
US5822737A (en) | 1996-02-05 | 1998-10-13 | Ogram; Mark E. | Financial transaction system |
US6076078A (en) | 1996-02-14 | 2000-06-13 | Carnegie Mellon University | Anonymous certified delivery |
JP3586704B2 (ja) | 1996-03-11 | 2004-11-10 | 独立行政法人森林総合研究所 | 紫外線吸収性被膜とその製造法。 |
US6243691B1 (en) | 1996-03-29 | 2001-06-05 | Onsale, Inc. | Method and system for processing and transmitting electronic auction information |
US5835896A (en) | 1996-03-29 | 1998-11-10 | Onsale, Inc. | Method and system for processing and transmitting electronic auction information |
US5815665A (en) | 1996-04-03 | 1998-09-29 | Microsoft Corporation | System and method for providing trusted brokering services over a distributed network |
FR2750274B1 (fr) * | 1996-06-21 | 1998-07-24 | Arditti David | Procede de prise en compte d'une demande d'utilisation d'une carte prepayee virtuelle permettant la reutilisation de son numero de serie |
US5793028A (en) * | 1996-06-24 | 1998-08-11 | Fred N. Gratzon | Electronic transaction security system |
US5884272A (en) | 1996-09-06 | 1999-03-16 | Walker Asset Management Limited Partnership | Method and system for establishing and maintaining user-controlled anonymous communications |
US5684950A (en) | 1996-09-23 | 1997-11-04 | Lockheed Martin Corporation | Method and system for authenticating users to multiple computer servers via a single sign-on |
GB9624127D0 (en) | 1996-11-20 | 1997-01-08 | British Telecomm | Transaction system |
US5903882A (en) | 1996-12-13 | 1999-05-11 | Certco, Llc | Reliance server for electronic transaction system |
US5845070A (en) | 1996-12-18 | 1998-12-01 | Auric Web Systems, Inc. | Security system for internet provider transaction |
US6167378A (en) | 1997-01-21 | 2000-12-26 | Webber, Jr.; Donald Gary | Automated back office transaction method and system |
US5819029A (en) | 1997-02-20 | 1998-10-06 | Brittan Communications International Corp. | Third party verification system and method |
US7003480B2 (en) | 1997-02-27 | 2006-02-21 | Microsoft Corporation | GUMP: grand unified meta-protocol for simple standards-based electronic commerce transactions |
US5903721A (en) | 1997-03-13 | 1999-05-11 | cha|Technologies Services, Inc. | Method and system for secure online transaction processing |
EP0869692A1 (en) | 1997-04-01 | 1998-10-07 | ICO Services Ltd. | User authentication across multiple telecommunications network |
IL120672A (en) | 1997-04-15 | 2000-06-29 | Nush Marketing Man And Consult | System for transaction over communication network |
US6282522B1 (en) * | 1997-04-30 | 2001-08-28 | Visa International Service Association | Internet payment system using smart card |
JPH10333769A (ja) * | 1997-06-03 | 1998-12-18 | Mitsubishi Electric Corp | マルチメディアデータ配信システム及びマルチメディアデータ再生端末 |
US6029141A (en) | 1997-06-27 | 2000-02-22 | Amazon.Com, Inc. | Internet-based customer referral system |
JPH1143780A (ja) | 1997-07-25 | 1999-02-16 | Kuroki Kogyosho:Kk | 複合材の製造方法 |
JP3859313B2 (ja) | 1997-08-05 | 2006-12-20 | 富士通株式会社 | タグ文書の圧縮装置および復元装置,圧縮方法および復元方法,圧縮/復元装置および圧縮/復元方法並びに圧縮,復元もしくは圧縮/復元プログラムを記録したコンピュータ読み取り可能な記録媒体 |
US6016476A (en) | 1997-08-11 | 2000-01-18 | International Business Machines Corporation | Portable information and transaction processing system and method utilizing biometric authorization and digital certificate security |
US5903878A (en) | 1997-08-20 | 1999-05-11 | Talati; Kirit K. | Method and apparatus for electronic commerce |
US5883810A (en) | 1997-09-24 | 1999-03-16 | Microsoft Corporation | Electronic online commerce card with transactionproxy number for online transactions |
US5970475A (en) | 1997-10-10 | 1999-10-19 | Intelisys Electronic Commerce, Llc | Electronic procurement system and method for trading partners |
US6047268A (en) | 1997-11-04 | 2000-04-04 | A.T.&T. Corporation | Method and apparatus for billing for transactions conducted over the internet |
JPH11143780A (ja) * | 1997-11-05 | 1999-05-28 | Hitachi Ltd | データベースにおける秘密情報管理方法およびデータベースの秘密情報管理装置 |
US6098053A (en) | 1998-01-28 | 2000-08-01 | Citibank, N.A. | System and method for performing an electronic financial transaction |
NL1008372C2 (nl) | 1998-02-20 | 1999-08-24 | Snoek Holding Zoetermeer B V | Werkwijze voor betalen via Internet. |
US5999596A (en) | 1998-03-06 | 1999-12-07 | Walker Asset Management Limited | Method and system for controlling authorization of credit card transactions |
WO1999046881A1 (en) | 1998-03-11 | 1999-09-16 | Guardtech Technologies Ltd. | Transaction card security system |
US6052675A (en) | 1998-04-21 | 2000-04-18 | At&T Corp. | Method and apparatus for preauthorizing credit card type transactions |
US6122624A (en) | 1998-05-28 | 2000-09-19 | Automated Transaction Corp. | System and method for enhanced fraud detection in automated electronic purchases |
JP2000076336A (ja) | 1998-08-31 | 2000-03-14 | Fujitsu Ltd | 電子決済認証システム及び電子商取引サービスプロバイダ装置 |
CN1157962C (zh) | 1998-09-15 | 2004-07-14 | 因达技术控股有限公司 | 增强通信平台和使用该平台的相关通信方法 |
US6820202B1 (en) | 1998-11-09 | 2004-11-16 | First Data Corporation | Account authority digital signature (AADS) system |
JP2000142398A (ja) | 1998-11-13 | 2000-05-23 | Toyo Tire & Rubber Co Ltd | 鉄道車両用軸はり装置の防振ゴム |
US6154543A (en) | 1998-11-25 | 2000-11-28 | Hush Communications Anguilla, Inc. | Public key cryptosystem with roaming user capability |
US6260024B1 (en) | 1998-12-02 | 2001-07-10 | Gary Shkedy | Method and apparatus for facilitating buyer-driven purchase orders on a commercial network system |
JP2000184085A (ja) | 1998-12-18 | 2000-06-30 | Fujitsu Ltd | 携帯機器、携帯端末用アタッチメント及び携帯機器を用いたシステム |
US6327578B1 (en) * | 1998-12-29 | 2001-12-04 | International Business Machines Corporation | Four-party credit/debit payment protocol |
GB2345613A (en) | 1999-01-05 | 2000-07-12 | Ibm | IP based voice and data services whereby voice and control signals are transmitted over a single call connection |
US20040083184A1 (en) | 1999-04-19 | 2004-04-29 | First Data Corporation | Anonymous card transactions |
US6889325B1 (en) | 1999-04-28 | 2005-05-03 | Unicate Bv | Transaction method and system for data networks, like internet |
EP1219088A2 (en) | 1999-04-28 | 2002-07-03 | Unicate B.V. | Transaction method and system for data networks |
US6704714B1 (en) | 1999-05-03 | 2004-03-09 | The Chase Manhattan Bank | Virtual private lock box |
US7606760B2 (en) | 1999-06-18 | 2009-10-20 | Echarge Corporation | Method and apparatus for ordering goods, services and content over an internetwork using a virtual payment account |
WO2001007873A2 (en) | 1999-07-21 | 2001-02-01 | E-Payments | A method for performing a transaction over a network |
WO2001013275A1 (en) | 1999-08-13 | 2001-02-22 | Fleetboston Financial Corporation | Proxy system for customer confidentiality |
US7343351B1 (en) | 1999-08-31 | 2008-03-11 | American Express Travel Related Services Company, Inc. | Methods and apparatus for conducting electronic transactions |
US6427132B1 (en) | 1999-08-31 | 2002-07-30 | Accenture Llp | System, method and article of manufacture for demonstrating E-commerce capabilities via a simulation on a network |
JP3635017B2 (ja) * | 1999-09-01 | 2005-03-30 | 日本電信電話株式会社 | 時刻認証システム、サーバ装置、時刻認証方法及び記録媒体 |
US7249093B1 (en) | 1999-09-07 | 2007-07-24 | Rysix Holdings, Llc | Method of and system for making purchases over a computer network |
US6853987B1 (en) | 1999-10-27 | 2005-02-08 | Zixit Corporation | Centralized authorization and fraud-prevention system for network-based transactions |
US7636696B1 (en) | 1999-11-19 | 2009-12-22 | Megasoft Consultants, Inc. | System, method, and computer program product for maintaining consumer privacy and security in electronic commerce transactions |
WO2001041032A1 (en) | 1999-11-30 | 2001-06-07 | David Russell | Methods, systems, and apparatuses for secure interactions |
KR20000012391A (ko) | 1999-12-02 | 2000-03-06 | 이재규 | 인터넷 상에서의 전자결제방법 및 시스템 |
WO2001042965A1 (en) * | 1999-12-10 | 2001-06-14 | Auripay, Inc. | Method and apparatus for improved financial instrument processing |
IL140141A (en) * | 1999-12-14 | 2007-07-24 | Ibm | Transcoding in data communications |
US6629081B1 (en) | 1999-12-22 | 2003-09-30 | Accenture Llp | Account settlement and financing in an e-commerce environment |
WO2001048628A2 (en) | 1999-12-23 | 2001-07-05 | Barton Peter R | System and method for anonymous transactions and disguised mailings |
US20010044787A1 (en) | 2000-01-13 | 2001-11-22 | Gil Shwartz | Secure private agent for electronic transactions |
WO2001052023A2 (en) | 2000-01-14 | 2001-07-19 | Catavault | Method and system for secure personal authentication credentials data over a network |
US7177838B1 (en) | 2000-01-26 | 2007-02-13 | Paybyclick Corporation | Method and apparatus for conducting electronic commerce transactions using electronic tokens |
US6847953B2 (en) | 2000-02-04 | 2005-01-25 | Kuo James Shaw-Han | Process and method for secure online transactions with calculated risk and against fraud |
WO2001059727A2 (en) | 2000-02-09 | 2001-08-16 | Internetcash.Com | Method and system for making anonymous electronic payments on the world wide web |
EP1266320A2 (en) | 2000-02-23 | 2002-12-18 | Capital One Financial Corporation | Systems and methods for providing anonymous financial transactions |
EP1260079B1 (en) | 2000-02-23 | 2004-07-28 | Tradesafely.com Limited | Method and apparatus for internet web site verification |
TW550477B (en) | 2000-03-01 | 2003-09-01 | Passgate Corp | Method, system and computer readable medium for Web site account and e-commerce management from a central location |
US7865414B2 (en) | 2000-03-01 | 2011-01-04 | Passgate Corporation | Method, system and computer readable medium for web site account and e-commerce management from a central location |
JP2001318953A (ja) * | 2000-03-03 | 2001-11-16 | Ns Solutions Corp | 原価データ管理システム、原価データ管理方法及びその記録媒体 |
JP3385270B2 (ja) * | 2000-03-03 | 2003-03-10 | 株式会社エイティング | 個人認証方法 |
EP1132797A3 (en) | 2000-03-08 | 2005-11-23 | Aurora Wireless Technologies, Ltd. | Method for securing user identification in on-line transaction systems |
KR100506913B1 (ko) | 2000-03-14 | 2005-08-10 | 주식회사 올앳 | 익명성을 갖는 대표지불수단을 이용한 전자 지불 시스템및 그방법 |
IL150428A0 (en) | 2000-03-17 | 2002-12-01 | Tradesafely Com Ltd | Payment authorisation method and apparatus |
JP2001268646A (ja) * | 2000-03-22 | 2001-09-28 | Animo:Kk | 携帯無線通信機、ツール・サーバ、音声認証サーバ、及び無線通信システム |
AU2001253502A1 (en) | 2000-04-14 | 2001-10-30 | American Express Travel Related Services Company, Inc. | A system and method for using loyalty points |
CA2305249A1 (en) * | 2000-04-14 | 2001-10-14 | Branko Sarcanin | Virtual safe |
US7778934B2 (en) | 2000-04-17 | 2010-08-17 | Verisign, Inc. | Authenticated payment |
AU2001257280C1 (en) | 2000-04-24 | 2009-01-15 | Visa International Service Association | Online payer authentication service |
AU2001253795A1 (en) | 2000-04-26 | 2001-11-07 | Global Transaction Company | Multi-tiered identity verification authority for e-commerce |
JP2001313979A (ja) | 2000-04-28 | 2001-11-09 | Oki Electric Ind Co Ltd | 移動端末接続方法 |
JP2001331646A (ja) * | 2000-05-23 | 2001-11-30 | Nec Corp | 指紋照合を利用した金融取引システムおよび金融取引方法 |
WO2001093167A1 (en) | 2000-05-31 | 2001-12-06 | Indivos Corporation | Biometric financial transaction system and method |
JP2001344550A (ja) | 2000-06-02 | 2001-12-14 | Nec Informatec Systems Ltd | 電子決済方法及びシステム並びに電子決済用プログラムを記憶した記憶媒体 |
US10185936B2 (en) * | 2000-06-22 | 2019-01-22 | Jpmorgan Chase Bank, N.A. | Method and system for processing internet payments |
FI115355B (fi) * | 2000-06-22 | 2005-04-15 | Icl Invia Oyj | Järjestely suojatun järjestelmän käyttäjän tunnistamiseen ja todentamiseen |
JP2002091473A (ja) | 2000-06-30 | 2002-03-27 | Fujitsu Ltd | 情報処理装置 |
NL1015612C2 (nl) | 2000-07-05 | 2002-01-08 | Alexander Theodorus Jansen | Werkwijze en systeem alsmede gegevensdrager voor het verkopen van koopwaar. |
US7177849B2 (en) | 2000-07-13 | 2007-02-13 | International Business Machines Corporation | Method for validating an electronic payment by a credit/debit card |
KR20010008131A (ko) * | 2000-07-27 | 2001-02-05 | 박정일 | 인터넷 모바일을 신용카드 대용으로 사용하는 방법,개인용 정보 단말기 및 이를 이용한 결제 방법 |
US6938019B1 (en) | 2000-08-29 | 2005-08-30 | Uzo Chijioke Chukwuemeka | Method and apparatus for making secure electronic payments |
US20020038287A1 (en) | 2000-08-30 | 2002-03-28 | Jean-Marc Villaret | EMV card-based identification, authentication, and access control for remote access |
US7103575B1 (en) * | 2000-08-31 | 2006-09-05 | International Business Machines Corporation | Enabling use of smart cards by consumer devices for internet commerce |
US7107248B1 (en) * | 2000-09-11 | 2006-09-12 | Nokia Corporation | System and method of bootstrapping a temporary public-key infrastructure from a cellular telecommunication authentication and billing infrastructure |
WO2002023452A1 (en) | 2000-09-12 | 2002-03-21 | American Express Travel Related Services Company, Inc. | Microchip-enabled online transaction system |
US20020052841A1 (en) * | 2000-10-27 | 2002-05-02 | Guthrie Paul D. | Electronic payment system |
US7844489B2 (en) | 2000-10-30 | 2010-11-30 | Buyerleverage | Buyer-driven targeting of purchasing entities |
US20020091646A1 (en) | 2000-11-03 | 2002-07-11 | Lake Lawrence L. | Method and system for verifying the identity of on-line credit card purchasers through a proxy transaction |
US7379916B1 (en) * | 2000-11-03 | 2008-05-27 | Authernative, Inc. | System and method for private secure financial transactions |
US6839692B2 (en) | 2000-12-01 | 2005-01-04 | Benedor Corporation | Method and apparatus to provide secure purchase transactions over a computer network |
US20020069123A1 (en) | 2000-12-01 | 2002-06-06 | Mats Soderlind | Electronic commerce system |
US20020077993A1 (en) * | 2000-12-18 | 2002-06-20 | Nokia Corporation | Method and system for conducting wireless payments |
US20060269061A1 (en) * | 2001-01-11 | 2006-11-30 | Cardinalcommerce Corporation | Mobile device and method for dispensing authentication codes |
US6931382B2 (en) | 2001-01-24 | 2005-08-16 | Cdck Corporation | Payment instrument authorization technique |
US7292999B2 (en) * | 2001-03-15 | 2007-11-06 | American Express Travel Related Services Company, Inc. | Online card present transaction |
US7181017B1 (en) * | 2001-03-23 | 2007-02-20 | David Felsher | System and method for secure three-party communications |
US20020169720A1 (en) | 2001-05-12 | 2002-11-14 | Wilson Phillip C. | Method for cardholder to place use restrictions on credit card at will |
US20020198811A1 (en) * | 2001-06-12 | 2002-12-26 | Adam Wizon | System and method for monitoring the status of analyses performed on a portfolio of financial instruments |
US20030004737A1 (en) * | 2001-06-29 | 2003-01-02 | Conquest Christopher S. | Automated product registration |
US7779267B2 (en) * | 2001-09-04 | 2010-08-17 | Hewlett-Packard Development Company, L.P. | Method and apparatus for using a secret in a distributed computing system |
US20030097451A1 (en) | 2001-11-16 | 2003-05-22 | Nokia, Inc. | Personal data repository |
US7707108B2 (en) | 2002-01-31 | 2010-04-27 | International Business Machines Corporation | Detection of unauthorized account transactions |
US7890393B2 (en) | 2002-02-07 | 2011-02-15 | Ebay, Inc. | Method and system for completing a transaction between a customer and a merchant |
US7707120B2 (en) | 2002-04-17 | 2010-04-27 | Visa International Service Association | Mobile account authentication service |
EP2998914A1 (en) | 2002-06-12 | 2016-03-23 | CardinalCommerce Corporation | Universal merchant platform for payment authentication |
AU2003267149B2 (en) | 2002-09-10 | 2010-03-11 | Visa International Service Association | Data authentication and provisioning method and system |
AU2003901043A0 (en) | 2003-03-07 | 2003-03-20 | Torto, Anthony | Transaction system |
US20050065855A1 (en) | 2003-09-23 | 2005-03-24 | Extreming, Inc. | Virtual server consumer authorization, verification and credit update method and article |
WO2005076523A1 (en) * | 2004-02-05 | 2005-08-18 | Veritas Mobile Solutions Pte. Ltd. | System and method for authenticating the identity of a user |
US8762283B2 (en) | 2004-05-03 | 2014-06-24 | Visa International Service Association | Multiple party benefit from an online authentication service |
US20080046362A1 (en) * | 2006-08-15 | 2008-02-21 | Frank Easterly | Method of making secure on-line financial transactions |
US20090198618A1 (en) * | 2008-01-15 | 2009-08-06 | Yuen Wah Eva Chan | Device and method for loading managing and using smartcard authentication token and digital certificates in e-commerce |
-
2003
- 2003-02-19 US US10/370,149 patent/US7707120B2/en active Active
- 2003-04-16 AT AT03726334T patent/ATE434305T1/de not_active IP Right Cessation
- 2003-04-16 EP EP10181241A patent/EP2278751A1/en not_active Withdrawn
- 2003-04-16 KR KR1020107013080A patent/KR101137137B1/ko active IP Right Grant
- 2003-04-16 KR KR1020047016734A patent/KR100994289B1/ko active IP Right Grant
- 2003-04-16 JP JP2003586704A patent/JP4580654B2/ja not_active Expired - Fee Related
- 2003-04-16 ES ES03726334T patent/ES2327111T3/es not_active Expired - Lifetime
- 2003-04-16 AU AU2003228574A patent/AU2003228574B2/en not_active Ceased
- 2003-04-16 WO PCT/US2003/011952 patent/WO2003090027A2/en active Application Filing
- 2003-04-16 EP EP09150401A patent/EP2056518A1/en not_active Withdrawn
- 2003-04-16 EP EP03726334A patent/EP1497947B1/en not_active Expired - Lifetime
- 2003-04-16 DE DE60328009T patent/DE60328009D1/de not_active Expired - Lifetime
- 2003-04-16 CA CA2482558A patent/CA2482558C/en not_active Expired - Fee Related
-
2009
- 2009-04-08 AU AU2009201395A patent/AU2009201395B2/en not_active Ceased
- 2009-11-12 US US12/617,135 patent/US9769134B2/en active Active
-
2017
- 2017-08-08 US US15/672,116 patent/US20170366530A1/en not_active Abandoned
Also Published As
Publication number | Publication date |
---|---|
US20100063895A1 (en) | 2010-03-11 |
US9769134B2 (en) | 2017-09-19 |
KR20040102126A (ko) | 2004-12-03 |
EP1497947A4 (en) | 2005-05-11 |
KR101137137B1 (ko) | 2012-04-23 |
EP1497947B1 (en) | 2009-06-17 |
AU2003228574A1 (en) | 2003-11-03 |
ES2327111T3 (es) | 2009-10-26 |
AU2003228574B2 (en) | 2009-01-08 |
AU2009201395B2 (en) | 2012-01-19 |
AU2009201395A1 (en) | 2009-05-07 |
US20030200184A1 (en) | 2003-10-23 |
CA2482558A1 (en) | 2003-10-30 |
WO2003090027A2 (en) | 2003-10-30 |
DE60328009D1 (en) | 2009-07-30 |
EP2278751A1 (en) | 2011-01-26 |
US20170366530A1 (en) | 2017-12-21 |
ATE434305T1 (de) | 2009-07-15 |
EP2056518A1 (en) | 2009-05-06 |
JP2005523505A (ja) | 2005-08-04 |
KR20100072104A (ko) | 2010-06-29 |
KR100994289B1 (ko) | 2010-11-12 |
CA2482558C (en) | 2013-06-18 |
WO2003090027A3 (en) | 2004-05-21 |
US7707120B2 (en) | 2010-04-27 |
EP1497947A2 (en) | 2005-01-19 |
Similar Documents
Publication | Publication Date | Title |
---|---|---|
JP4580654B2 (ja) | モバイル口座認証サービス | |
JP5025875B2 (ja) | オンラインの支払人認証サービスの方法 | |
JP5638046B2 (ja) | コンピュータ・ネットワーク上において行われる購買を許可する方法およびシステム | |
AU2001257280B2 (en) | Online payer authentication service | |
AU2001257280A1 (en) | Online payer authentication service | |
KR100822985B1 (ko) | 닉네임을 이용한 지불결제 처리 시스템 |
Legal Events
Date | Code | Title | Description |
---|---|---|---|
A521 | Request for written amendment filed |
Free format text: JAPANESE INTERMEDIATE CODE: A523 Effective date: 20060413 |
|
A621 | Written request for application examination |
Free format text: JAPANESE INTERMEDIATE CODE: A621 Effective date: 20060413 |
|
A131 | Notification of reasons for refusal |
Free format text: JAPANESE INTERMEDIATE CODE: A131 Effective date: 20090210 |
|
A601 | Written request for extension of time |
Free format text: JAPANESE INTERMEDIATE CODE: A601 Effective date: 20090501 |
|
A602 | Written permission of extension of time |
Free format text: JAPANESE INTERMEDIATE CODE: A602 Effective date: 20090513 |
|
A521 | Request for written amendment filed |
Free format text: JAPANESE INTERMEDIATE CODE: A523 Effective date: 20090806 |
|
A131 | Notification of reasons for refusal |
Free format text: JAPANESE INTERMEDIATE CODE: A131 Effective date: 20091110 |
|
A601 | Written request for extension of time |
Free format text: JAPANESE INTERMEDIATE CODE: A601 Effective date: 20100208 |
|
A602 | Written permission of extension of time |
Free format text: JAPANESE INTERMEDIATE CODE: A602 Effective date: 20100216 |
|
TRDD | Decision of grant or rejection written | ||
A01 | Written decision to grant a patent or to grant a registration (utility model) |
Free format text: JAPANESE INTERMEDIATE CODE: A01 Effective date: 20100824 |
|
A01 | Written decision to grant a patent or to grant a registration (utility model) |
Free format text: JAPANESE INTERMEDIATE CODE: A01 |
|
A61 | First payment of annual fees (during grant procedure) |
Free format text: JAPANESE INTERMEDIATE CODE: A61 Effective date: 20100830 |
|
FPAY | Renewal fee payment (event date is renewal date of database) |
Free format text: PAYMENT UNTIL: 20130903 Year of fee payment: 3 |
|
R150 | Certificate of patent or registration of utility model |
Ref document number: 4580654 Country of ref document: JP Free format text: JAPANESE INTERMEDIATE CODE: R150 Free format text: JAPANESE INTERMEDIATE CODE: R150 |
|
R250 | Receipt of annual fees |
Free format text: JAPANESE INTERMEDIATE CODE: R250 |
|
R250 | Receipt of annual fees |
Free format text: JAPANESE INTERMEDIATE CODE: R250 |
|
R250 | Receipt of annual fees |
Free format text: JAPANESE INTERMEDIATE CODE: R250 |
|
R250 | Receipt of annual fees |
Free format text: JAPANESE INTERMEDIATE CODE: R250 |
|
R250 | Receipt of annual fees |
Free format text: JAPANESE INTERMEDIATE CODE: R250 |
|
R250 | Receipt of annual fees |
Free format text: JAPANESE INTERMEDIATE CODE: R250 |
|
R250 | Receipt of annual fees |
Free format text: JAPANESE INTERMEDIATE CODE: R250 |
|
LAPS | Cancellation because of no payment of annual fees |