JP5294880B2 - メール注文及び電話注文における二要素認証を実施するための方法及びシステム - Google Patents

メール注文及び電話注文における二要素認証を実施するための方法及びシステム Download PDF

Info

Publication number
JP5294880B2
JP5294880B2 JP2008557526A JP2008557526A JP5294880B2 JP 5294880 B2 JP5294880 B2 JP 5294880B2 JP 2008557526 A JP2008557526 A JP 2008557526A JP 2008557526 A JP2008557526 A JP 2008557526A JP 5294880 B2 JP5294880 B2 JP 5294880B2
Authority
JP
Japan
Prior art keywords
authentication
cardholder
transaction
merchant system
information
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.)
Active
Application number
JP2008557526A
Other languages
English (en)
Japanese (ja)
Other versions
JP2009528643A (ja
JP2009528643A5 (enExample
Inventor
ダグラス フィッシャー
ベネディクト エイチ ドミンゲス
ティモシー ミュー−チュー リー
Original Assignee
ヴィザ インターナショナル サーヴィス アソシエイション
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by ヴィザ インターナショナル サーヴィス アソシエイション filed Critical ヴィザ インターナショナル サーヴィス アソシエイション
Publication of JP2009528643A publication Critical patent/JP2009528643A/ja
Publication of JP2009528643A5 publication Critical patent/JP2009528643A5/ja
Application granted granted Critical
Publication of JP5294880B2 publication Critical patent/JP5294880B2/ja
Active legal-status Critical Current
Anticipated expiration legal-status Critical

Links

Images

Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/24—Credit schemes, i.e. "pay after"
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K5/00—Methods or arrangements for verifying the correctness of markings on a record carrier; Column detection devices
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—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
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/388—Payment protocols; Details thereof using mutual authentication without cards, e.g. challenge-response
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • 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

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Finance (AREA)
  • Computer Security & Cryptography (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
JP2008557526A 2006-03-02 2007-03-02 メール注文及び電話注文における二要素認証を実施するための方法及びシステム Active JP5294880B2 (ja)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
US77828206P 2006-03-02 2006-03-02
US60/778,282 2006-03-02
PCT/US2007/063239 WO2007103831A2 (en) 2006-03-02 2007-03-02 Method and system for performing two factor authentication in mail order and telephone order transactions

Publications (3)

Publication Number Publication Date
JP2009528643A JP2009528643A (ja) 2009-08-06
JP2009528643A5 JP2009528643A5 (enExample) 2010-04-22
JP5294880B2 true JP5294880B2 (ja) 2013-09-18

Family

ID=38475745

Family Applications (1)

Application Number Title Priority Date Filing Date
JP2008557526A Active JP5294880B2 (ja) 2006-03-02 2007-03-02 メール注文及び電話注文における二要素認証を実施するための方法及びシステム

Country Status (10)

Country Link
US (3) US8453925B2 (enExample)
EP (1) EP1999715A4 (enExample)
JP (1) JP5294880B2 (enExample)
KR (1) KR20080107400A (enExample)
AU (1) AU2007223334B2 (enExample)
BR (1) BRPI0708276A2 (enExample)
CA (1) CA2641676A1 (enExample)
MX (1) MX2008011021A (enExample)
RU (1) RU2438172C2 (enExample)
WO (1) WO2007103831A2 (enExample)

Families Citing this family (181)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
AU5728001A (en) * 2000-04-24 2001-11-07 Visa Int Service Ass Online payer authentication service
US20140019352A1 (en) 2011-02-22 2014-01-16 Visa International Service Association Multi-purpose virtual card transaction apparatuses, methods and systems
US8762263B2 (en) 2005-09-06 2014-06-24 Visa U.S.A. Inc. System and method for secured account numbers in proximity devices
CA2641676A1 (en) 2006-03-02 2007-09-13 Benedicto H. Dominguez Method and system for performing two factor authentication in mail order and telephone order transactions
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
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
US7937324B2 (en) 2007-09-13 2011-05-03 Visa U.S.A. Inc. Account permanence
US9449319B1 (en) * 2008-06-30 2016-09-20 Amazon Technologies, Inc. Conducting transactions with dynamic passwords
US8219489B2 (en) 2008-07-29 2012-07-10 Visa U.S.A. Inc. Transaction processing using a global unique identifier
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.
US9715681B2 (en) 2009-04-28 2017-07-25 Visa International Service Association Verification of portable consumer devices
US8893967B2 (en) 2009-05-15 2014-11-25 Visa International Service Association Secure Communication of payment information to merchants using a verification token
US8534564B2 (en) 2009-05-15 2013-09-17 Ayman Hammad Integration of verification tokens with mobile communication devices
US9038886B2 (en) 2009-05-15 2015-05-26 Visa International Service Association Verification of portable consumer devices
US7891560B2 (en) 2009-05-15 2011-02-22 Visa International Service Assocation Verification of portable consumer devices
US9105027B2 (en) 2009-05-15 2015-08-11 Visa International Service Association Verification of portable consumer device for secure services
US10846683B2 (en) 2009-05-15 2020-11-24 Visa International Service Association Integration of verification tokens with mobile communication devices
US8602293B2 (en) 2009-05-15 2013-12-10 Visa International Service Association Integration of verification tokens with portable computing devices
US10140598B2 (en) 2009-05-20 2018-11-27 Visa International Service Association Device including encrypted data for expiration date and verification value creation
US8789153B2 (en) * 2010-01-27 2014-07-22 Authentify, Inc. Method for secure user and transaction authentication and risk management
US10581834B2 (en) 2009-11-02 2020-03-03 Early Warning Services, Llc Enhancing transaction authentication with privacy and security enhanced internet geolocation and proximity
US8806592B2 (en) 2011-01-21 2014-08-12 Authentify, Inc. Method for secure user and transaction authentication and risk management
US10255591B2 (en) 2009-12-18 2019-04-09 Visa International Service Association Payment channel returning limited use proxy dynamic value
EP2927836B1 (en) 2010-01-12 2016-10-05 Visa International Service Association Anytime validation for verification tokens
US10255601B2 (en) 2010-02-25 2019-04-09 Visa International Service Association Multifactor authentication using a directory server
US9245267B2 (en) 2010-03-03 2016-01-26 Visa International Service Association Portable account number for consumer payment account
WO2012013713A2 (en) 2010-07-28 2012-02-02 Bayer Pharma Aktiengesellschaft Substituted imidazo[1,2-b]pyridazines
US9342832B2 (en) 2010-08-12 2016-05-17 Visa International Service Association Securing external systems with account token substitution
US10586227B2 (en) 2011-02-16 2020-03-10 Visa International Service Association Snap mobile payment apparatuses, methods and systems
AU2012217606A1 (en) 2011-02-16 2013-05-09 Visa International Service Association Snap mobile payment apparatuses, methods and systems
US10223691B2 (en) 2011-02-22 2019-03-05 Visa International Service Association Universal electronic payment apparatuses, methods and systems
AU2012225684B2 (en) 2011-03-04 2016-11-10 Visa International Service Association Integration of payment capability into secure elements of computers
US9280765B2 (en) 2011-04-11 2016-03-08 Visa International Service Association Multiple tokenization for authentication
GB2492050A (en) * 2011-06-13 2012-12-26 Torben Kuseler One-time multi-factor biometric representation for remote client authentication
US9355393B2 (en) 2011-08-18 2016-05-31 Visa International Service Association Multi-directional wallet connector apparatuses, methods and systems
US9582598B2 (en) 2011-07-05 2017-02-28 Visa International Service Association Hybrid applications utilizing distributed models and views apparatuses, methods and systems
WO2013006725A2 (en) 2011-07-05 2013-01-10 Visa International Service Association Electronic wallet checkout platform apparatuses, methods and systems
US9704155B2 (en) 2011-07-29 2017-07-11 Visa International Service Association Passing payment tokens through an hop/sop
US10242358B2 (en) 2011-08-18 2019-03-26 Visa International Service Association Remote decoupled application persistent state apparatuses, methods and systems
US10825001B2 (en) 2011-08-18 2020-11-03 Visa International Service Association Multi-directional wallet connector apparatuses, methods and systems
US12462245B2 (en) 2011-08-18 2025-11-04 Visa International Service Association Remote decoupled application persistent state apparatuses, methods and systems
US9710807B2 (en) 2011-08-18 2017-07-18 Visa International Service Association Third-party value added wallet features and interfaces apparatuses, methods and systems
WO2013029014A2 (en) 2011-08-24 2013-02-28 Visa International Service Association Method for using barcodes and mobile devices to conduct payment transactions
US10223730B2 (en) 2011-09-23 2019-03-05 Visa International Service Association E-wallet store injection search apparatuses, methods and systems
US11354723B2 (en) 2011-09-23 2022-06-07 Visa International Service Association Smart shopping cart with E-wallet store injection search
EA021071B1 (ru) * 2011-10-17 2015-03-31 Ооо "Тумбала" Способ защиты финансовых транзакций
US8762276B2 (en) * 2011-12-28 2014-06-24 Nokia Corporation Method and apparatus for utilizing recognition data in conducting transactions
US10223710B2 (en) 2013-01-04 2019-03-05 Visa International Service Association Wearable intelligent vision device apparatuses, methods and systems
CN109508983A (zh) 2012-01-05 2019-03-22 维萨国际服务协会 用转换进行数据保护
US9830595B2 (en) 2012-01-26 2017-11-28 Visa International Service Association System and method of providing tokenization as a service
AU2013214801B2 (en) 2012-02-02 2018-06-21 Visa International Service Association Multi-source, multi-dimensional, cross-entity, multimedia database platform apparatuses, methods and systems
US20130218779A1 (en) * 2012-02-21 2013-08-22 Rawllin International Inc. Dual factor digital certificate security algorithms
US10282724B2 (en) 2012-03-06 2019-05-07 Visa International Service Association Security system incorporating mobile device
US8489507B1 (en) 2012-03-28 2013-07-16 Ebay Inc. Alternative payment method for online transactions using interactive voice response
US20130297501A1 (en) 2012-05-04 2013-11-07 Justin Monk System and method for local data conversion
US9524501B2 (en) 2012-06-06 2016-12-20 Visa International Service Association Method and system for correlating diverse transaction data
US9547769B2 (en) 2012-07-03 2017-01-17 Visa International Service Association Data protection hub
US20140032407A1 (en) * 2012-07-24 2014-01-30 Shashi Kapur System and Method for Funds Transfer Processing
US9846861B2 (en) 2012-07-25 2017-12-19 Visa International Service Association Upstream and downstream data conversion
US9256871B2 (en) 2012-07-26 2016-02-09 Visa U.S.A. Inc. Configurable payment tokens
US9665722B2 (en) 2012-08-10 2017-05-30 Visa International Service Association Privacy firewall
WO2014043278A1 (en) 2012-09-11 2014-03-20 Visa International Service Association Cloud-based virtual wallet nfc apparatuses, methods and systems
WO2014066559A1 (en) 2012-10-23 2014-05-01 Visa International Service Association Transaction initiation determination system utilizing transaction data elements
US9911118B2 (en) 2012-11-21 2018-03-06 Visa International Service Association Device pairing via trusted intermediary
US10304047B2 (en) 2012-12-07 2019-05-28 Visa International Service Association Token generating component
US9741051B2 (en) 2013-01-02 2017-08-22 Visa International Service Association Tokenization and third-party interaction
US10740731B2 (en) 2013-01-02 2020-08-11 Visa International Service Association Third party settlement
US11055710B2 (en) 2013-05-02 2021-07-06 Visa International Service Association Systems and methods for verifying and processing transactions using virtual currency
SG10201709411RA (en) 2013-05-15 2018-01-30 Visa Int Service Ass Mobile tokenization hub
CA2854150C (en) 2013-06-10 2024-02-06 The Toronto Dominion Bank High fraud risk transaction authorization
US10878422B2 (en) 2013-06-17 2020-12-29 Visa International Service Association System and method using merchant token
SG11201600427RA (en) 2013-07-24 2016-02-26 Visa Int Service Ass Systems and methods for interoperable network token processing
WO2015011655A1 (en) 2013-07-26 2015-01-29 Visa International Service Association Provisioning payment credentials to a consumer
US10496986B2 (en) 2013-08-08 2019-12-03 Visa International Service Association Multi-network tokenization processing
AU2014306259A1 (en) 2013-08-08 2016-02-25 Visa International Service Association Methods and systems for provisioning mobile devices with payment credentials
CA2927052C (en) 2013-10-11 2021-09-21 Visa International Service Association Network token system
US9978094B2 (en) 2013-10-11 2018-05-22 Visa International Service Association Tokenization revocation list
US10515358B2 (en) 2013-10-18 2019-12-24 Visa International Service Association Contextual transaction token methods and systems
US10489779B2 (en) 2013-10-21 2019-11-26 Visa International Service Association Multi-network token bin routing with defined verification parameters
US10366387B2 (en) 2013-10-29 2019-07-30 Visa International Service Association Digital wallet system and method
WO2015077247A1 (en) 2013-11-19 2015-05-28 Visa International Service Association Automated account provisioning
US11823190B2 (en) * 2013-12-09 2023-11-21 Mastercard International Incorporated Systems, apparatus and methods for improved authentication
BR112016014106A2 (pt) 2013-12-19 2017-08-08 Visa Int Service Ass Método para intensificar a segurança de um dispositivo de comunicação, e, dispositivo de comunicação
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
US9148284B2 (en) * 2014-01-14 2015-09-29 Bjoern Pirrwitz Identification and/or authentication method
US9846878B2 (en) 2014-01-14 2017-12-19 Visa International Service Association Payment account identifier system
US12469021B2 (en) 2014-02-18 2025-11-11 Visa International Service Association Limited-use keys and cryptograms
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
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
AU2015256205B2 (en) 2014-05-05 2020-07-16 Visa International Service Association System and method for token domain control
EP3146747B1 (en) 2014-05-21 2020-07-01 Visa International Service Association Offline authentication
US11023890B2 (en) 2014-06-05 2021-06-01 Visa International Service Association Identification and verification for provisioning mobile application
US9780953B2 (en) 2014-07-23 2017-10-03 Visa International Service Association Systems and methods for secure detokenization
US10484345B2 (en) 2014-07-31 2019-11-19 Visa International Service Association System and method for identity verification across mobile applications
US9775029B2 (en) 2014-08-22 2017-09-26 Visa International Service Association Embedding cloud-based functionalities in a communication device
US10140615B2 (en) 2014-09-22 2018-11-27 Visa International Service Association Secure mobile device credential provisioning using risk decision non-overrides
ES2732564T3 (es) 2014-09-26 2019-11-25 Visa Int Service Ass Sistema y procedimientos de aprovisionamiento de datos cifrados de servidor remoto
US11257074B2 (en) 2014-09-29 2022-02-22 Visa International Service Association Transaction risk based token
US10015147B2 (en) 2014-10-22 2018-07-03 Visa International Service Association Token enrollment system and method
GB201419016D0 (en) 2014-10-24 2014-12-10 Visa Europe Ltd Transaction Messaging
US10325261B2 (en) 2014-11-25 2019-06-18 Visa International Service Association Systems communications with non-sensitive identifiers
SG11201702763TA (en) 2014-11-26 2017-05-30 Visa Int Service Ass Tokenization request via access device
US10257185B2 (en) 2014-12-12 2019-04-09 Visa International Service Association Automated access data provisioning
CA2967437A1 (en) 2014-12-12 2016-06-16 Visa International Service Association Provisioning platform for machine-to-machine devices
US10187363B2 (en) 2014-12-31 2019-01-22 Visa International Service Association Hybrid integration of software development kit with secure execution environment
US10990974B1 (en) 2015-01-15 2021-04-27 Wells Fargo Bank, N.A. Identity verification services and user information provision via application programming interface
US10621658B1 (en) 2015-01-15 2020-04-14 Wells Fargo Bank, N.A. Identity verification services with identity score through external entities via application programming interface
US10997654B1 (en) 2015-01-15 2021-05-04 Wells Fargo Bank, N.A. Identity verification services through external entities via application programming interface
US10937025B1 (en) 2015-01-15 2021-03-02 Wells Fargo Bank, N.A. Payment services via application programming interface
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
US11176554B2 (en) 2015-02-03 2021-11-16 Visa International Service Association Validation identity tokens for transactions
US10977657B2 (en) 2015-02-09 2021-04-13 Visa International Service Association Token processing utilizing multiple authorizations
RU2599943C2 (ru) * 2015-02-20 2016-10-20 Закрытое акционерное общество "Лаборатория Касперского" Способ оптимизации системы обнаружения мошеннических транзакций
US10164996B2 (en) 2015-03-12 2018-12-25 Visa International Service Association Methods and systems for providing a low value token buffer
AU2016245988B2 (en) 2015-04-10 2021-05-20 Visa International Service Association Browser integration with cryptogram
US9614845B2 (en) 2015-04-15 2017-04-04 Early Warning Services, Llc Anonymous authentication and remote wireless token access
US9998978B2 (en) 2015-04-16 2018-06-12 Visa International Service Association Systems and methods for processing dormant virtual access devices
US10552834B2 (en) 2015-04-30 2020-02-04 Visa International Service Association Tokenization capable authentication framework
US20160335630A1 (en) * 2015-05-12 2016-11-17 Gopesh Kumar Method for Providing Secured Card Transactions During Card Not Present (CNP) Transactions
US10084782B2 (en) 2015-09-21 2018-09-25 Early Warning Services, Llc Authenticator centralization and protection
US20170109752A1 (en) * 2015-10-15 2017-04-20 Mastercard International Incorporated Utilizing enhanced cardholder authentication token
CN114529300B (zh) 2015-10-15 2025-09-23 维萨国际服务协会 即时令牌发行系统
EP3384630B1 (en) 2015-12-04 2021-08-18 Visa International Service Association Unique code for token verification
CN108476227B (zh) 2016-01-07 2021-04-20 维萨国际服务协会 用于设备推送供应的系统和方法
AU2017214412A1 (en) 2016-02-01 2018-06-28 Visa International Service Association Systems and methods for code display and use
US11501288B2 (en) 2016-02-09 2022-11-15 Visa International Service Association Resource provider account token provisioning and processing
US10552823B1 (en) 2016-03-25 2020-02-04 Early Warning Services, Llc System and method for authentication of a mobile device
US10313321B2 (en) 2016-04-07 2019-06-04 Visa International Service Association Tokenization of co-network accounts
CN109074578B (zh) 2016-04-19 2025-01-14 维萨国际服务协会 用于执行推送交易的系统和方法
US11250424B2 (en) 2016-05-19 2022-02-15 Visa International Service Association Systems and methods for creating subtokens using primary tokens
BR112018072903A2 (pt) 2016-06-03 2019-02-19 Visa International Service Association método, e, dispositivos de comunicação e conectado.
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
EP3929788A1 (en) 2016-07-11 2021-12-29 Visa International Service Association Encryption key exchange process using access device
CA3026224A1 (en) 2016-07-19 2018-01-25 Visa International Service Association Method of distributing tokens and managing token relationships
US10509779B2 (en) 2016-09-14 2019-12-17 Visa International Service Association Self-cleaning token vault
US11323443B2 (en) 2016-11-28 2022-05-03 Visa International Service Association Access identifier provisioning to application
EP3349410B1 (en) * 2017-01-11 2021-03-10 Tata Consultancy Services Limited Method and system for executing a transaction request using a communication channel
US10915899B2 (en) 2017-03-17 2021-02-09 Visa International Service Association Replacing token on a multi-token user device
US10902418B2 (en) 2017-05-02 2021-01-26 Visa International Service Association System and method using interaction token
US11494765B2 (en) 2017-05-11 2022-11-08 Visa International Service Association Secure remote transaction system using mobile devices
CN109034815B (zh) 2017-06-09 2021-06-18 创新先进技术有限公司 基于生物特征进行安全验证的方法及装置
US10628211B2 (en) * 2017-06-15 2020-04-21 Mastercard International Incorporated Systems and methods for asynchronously consolidating and transmitting data
US10491389B2 (en) 2017-07-14 2019-11-26 Visa International Service Association Token provisioning utilizing a secure authentication system
US11017403B2 (en) 2017-12-15 2021-05-25 Mastercard International Incorporated Systems and methods for identifying fraudulent common point of purchases
US11995619B1 (en) 2017-12-28 2024-05-28 Wells Fargo Bank, N.A. Account open interfaces
US11106515B1 (en) 2017-12-28 2021-08-31 Wells Fargo Bank, N.A. Systems and methods for multi-platform product integration
US11676126B1 (en) 2017-12-28 2023-06-13 Wells Fargo Bank, N.A. Account open interfaces
CN111819555B (zh) 2018-03-07 2025-07-22 维萨国际服务协会 利用在线认证的安全远程令牌发布
US11151568B2 (en) 2018-05-09 2021-10-19 Capital One Services, Llc Real-time selection of authentication procedures based on risk assessment
US11256789B2 (en) 2018-06-18 2022-02-22 Visa International Service Association Recurring token transactions
WO2019246539A1 (en) 2018-06-22 2019-12-26 Visa International Service Association Secure remote transaction framework using dynamic secure checkout element
US11271930B2 (en) 2018-07-02 2022-03-08 Mastercard International Incorporated System architecture and database for context-based authentication
WO2020041594A1 (en) 2018-08-22 2020-02-27 Visa International Service Association Method and system for token provisioning and processing
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
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
EP3660771A1 (en) 2018-11-29 2020-06-03 Mastercard International Incorporated Online authentication
US11093912B1 (en) 2018-12-10 2021-08-17 Wells Fargo Bank, N.A. Third-party payment interfaces
US10937030B2 (en) 2018-12-28 2021-03-02 Mastercard International Incorporated Systems and methods for early detection of network fraud events
US11151569B2 (en) 2018-12-28 2021-10-19 Mastercard International Incorporated Systems and methods for improved detection of network fraud events
US11521211B2 (en) 2018-12-28 2022-12-06 Mastercard International Incorporated Systems and methods for incorporating breach velocities into fraud scoring models
US11157913B2 (en) 2018-12-28 2021-10-26 Mastercard International Incorporated Systems and methods for improved detection of network fraud events
CN113518990B (zh) 2019-05-17 2025-09-23 维萨国际服务协会 虚拟访问凭证交互系统和方法
US11968202B2 (en) 2019-05-24 2024-04-23 AVAST Software s.r.o. Secure authentication in adverse environments
US11044246B1 (en) 2019-06-21 2021-06-22 Wells Fargo Bank, N.A. Secure communications via third-party systems through frames
USD963407S1 (en) 2019-06-24 2022-09-13 Accenture Global Solutions Limited Beverage dispensing machine
US10726246B1 (en) 2019-06-24 2020-07-28 Accenture Global Solutions Limited Automated vending machine with customer and identification authentication
US10947103B2 (en) 2019-06-24 2021-03-16 Accenture Global Solutions Limited Beverage dispensing machine for achieving target pours for different beverages
US20210204116A1 (en) 2019-12-31 2021-07-01 Payfone, Inc. Identity verification platform
EP3869395B1 (en) 2020-02-21 2025-06-04 Accenture Global Solutions Limited Identity and liveness verification
US12114150B2 (en) 2020-12-23 2024-10-08 Prove Identity, Inc. Authenticated communications device to tie real-world and digital identities
US12058528B2 (en) 2020-12-31 2024-08-06 Prove Identity, Inc. Identity network representation of communications device subscriber in a digital domain
US12021861B2 (en) 2021-01-04 2024-06-25 Bank Of America Corporation Identity verification through multisystem cooperation
US12141800B2 (en) 2021-02-12 2024-11-12 Visa International Service Association Interaction account tokenization system and method
US11790356B2 (en) * 2021-09-01 2023-10-17 Visa International Service Association System, method, and computer program product for dynamic passcode communication
US20250104067A1 (en) * 2022-01-24 2025-03-27 Visa International Service Association Method, System, and Computer Program Product for Authenticating Digital Transactions

Family Cites Families (28)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5280527A (en) * 1992-04-14 1994-01-18 Kamahira Safe Co., Inc. Biometric token for authorizing access to a host system
JPH10105614A (ja) 1996-10-02 1998-04-24 Dainippon Printing Co Ltd クレジットカードを利用したオンラインショッピングシステム
US6098053A (en) 1998-01-28 2000-08-01 Citibank, N.A. System and method for performing an electronic financial transaction
US6324526B1 (en) * 1999-01-15 2001-11-27 D'agostino John System and method for performing secure credit card purchases
US7742967B1 (en) * 1999-10-01 2010-06-22 Cardinalcommerce Corporation Secure and efficient payment processing system
WO2001065502A2 (en) 2000-02-29 2001-09-07 E-Scoring, Inc. Systems and methods enabling anonymous credit transactions
US7376618B1 (en) * 2000-06-30 2008-05-20 Fair Isaac Corporation Detecting and measuring risk with predictive models using content mining
US6836765B1 (en) * 2000-08-30 2004-12-28 Lester Sussman System and method for secure and address verifiable electronic commerce transactions
FR2817102B1 (fr) * 2000-11-22 2003-01-24 France Telecom Appel depuis un terminal radiotelephonique avec authentification biometrique
US6931382B2 (en) * 2001-01-24 2005-08-16 Cdck Corporation Payment instrument authorization technique
US20020153424A1 (en) * 2001-04-19 2002-10-24 Chuan Li Method and apparatus of secure credit card transaction
JP2003085148A (ja) 2001-09-13 2003-03-20 Univ Waseda 利用者認証方法およびそのシステム、情報端末装置および役務提供サーバ、被写体識別方法およびそのシステム、対応関係確認方法およびそのシステム、物体確認方法およびそのシステム、並びにプログラム
US7805376B2 (en) * 2002-06-14 2010-09-28 American Express Travel Related Services Company, Inc. Methods and apparatus for facilitating a transaction
US7707120B2 (en) 2002-04-17 2010-04-27 Visa International Service Association Mobile account authentication service
ES2651844T3 (es) * 2002-06-12 2018-01-30 Cardinalcommerce Corporation Plataforma mercantil universal para autentificación de pago
US20050289052A1 (en) * 2003-01-23 2005-12-29 John Wankmueller System and method for secure telephone and computer transactions
JP2006527430A (ja) * 2003-06-04 2006-11-30 マスターカード インターナショナル インコーポレーテッド 商業取引における顧客認証システム及び方法
BRPI0411286B1 (pt) * 2003-06-10 2016-12-20 Mastercard International Inc sistema para autenticar a transação comercial efetuada pelo proprietário de um cartão junto a um comerciante em uma rede eletrônica; estrutura de dados para transportar informações e método para a autenticação da transação comercial
US7765153B2 (en) * 2003-06-10 2010-07-27 Kagi, Inc. Method and apparatus for verifying financial account information
WO2005072382A2 (en) * 2004-01-23 2005-08-11 Mastercard International Incorporated System and method for secure telephone and computer transactions
US9530132B2 (en) * 2004-01-27 2016-12-27 George Chester Cox System and method for customer video authentication to prevent identity theft
WO2005119608A1 (en) 2004-06-03 2005-12-15 Tyfone, Inc. System and method for securing financial transactions
US8016185B2 (en) * 2004-07-06 2011-09-13 Visa International Service Association Money transfer service with authentication
US7502760B1 (en) * 2004-07-19 2009-03-10 Amazon Technologies, Inc. Providing payments automatically in accordance with predefined instructions
RU50325U1 (ru) * 2005-06-17 2005-12-27 Закрытое Акционерное Общество "Интервэйл" Система осуществления многофакторной строгой аутентификации держателя банковской карты с использованием мобильного телефона в среде мобильной связи при осуществлении межбанковских финансовых транзакций в международной платежной системе, по протоколу спецификации 3-d secure
WO2007021939A2 (en) * 2005-08-11 2007-02-22 Efunds Corporation Methods and systems for placing card orders
US8567669B2 (en) * 2006-02-24 2013-10-29 Fair Isaac Corporation Method and apparatus for a merchant profile builder
CA2641676A1 (en) 2006-03-02 2007-09-13 Benedicto H. Dominguez Method and system for performing two factor authentication in mail order and telephone order transactions

Also Published As

Publication number Publication date
US20150348023A1 (en) 2015-12-03
US20130317989A1 (en) 2013-11-28
KR20080107400A (ko) 2008-12-10
US8453925B2 (en) 2013-06-04
AU2007223334A1 (en) 2007-09-13
JP2009528643A (ja) 2009-08-06
WO2007103831A3 (en) 2007-11-15
RU2008137231A (ru) 2010-03-27
MX2008011021A (es) 2008-09-10
EP1999715A2 (en) 2008-12-10
CA2641676A1 (en) 2007-09-13
AU2007223334B2 (en) 2012-07-12
US9135621B2 (en) 2015-09-15
EP1999715A4 (en) 2014-07-09
RU2438172C2 (ru) 2011-12-27
WO2007103831A2 (en) 2007-09-13
US9569775B2 (en) 2017-02-14
US20070257103A1 (en) 2007-11-08
BRPI0708276A2 (pt) 2011-05-24

Similar Documents

Publication Publication Date Title
JP5294880B2 (ja) メール注文及び電話注文における二要素認証を実施するための方法及びシステム
US8924299B2 (en) Method and system for facilitating payment transactions using access devices
AU2010256666B2 (en) System and method for providing authentication for card not present transactions using mobile device
JP5025875B2 (ja) オンラインの支払人認証サービスの方法
US7571141B2 (en) Method and system for facilitating payment transactions using access devices
US7444676B1 (en) Direct authentication and authorization system and method for trusted network of financial institutions
AU2001257280B2 (en) Online payer authentication service
CN104838399B (zh) 使用移动设备认证远程交易
US11080678B2 (en) Payment processing platform
US20060173776A1 (en) A Method of Authentication
AU2001257280A1 (en) Online payer authentication service
KR20080083731A (ko) 소프트 폰을 이용하여 신용카드의 결제를 처리하는 방법 및시스템

Legal Events

Date Code Title Description
A521 Request for written amendment filed

Free format text: JAPANESE INTERMEDIATE CODE: A523

Effective date: 20100302

A621 Written request for application examination

Free format text: JAPANESE INTERMEDIATE CODE: A621

Effective date: 20100302

A977 Report on retrieval

Free format text: JAPANESE INTERMEDIATE CODE: A971007

Effective date: 20120530

A131 Notification of reasons for refusal

Free format text: JAPANESE INTERMEDIATE CODE: A131

Effective date: 20120618

A601 Written request for extension of time

Free format text: JAPANESE INTERMEDIATE CODE: A601

Effective date: 20120918

A602 Written permission of extension of time

Free format text: JAPANESE INTERMEDIATE CODE: A602

Effective date: 20120925

A521 Request for written amendment filed

Free format text: JAPANESE INTERMEDIATE CODE: A523

Effective date: 20121018

A131 Notification of reasons for refusal

Free format text: JAPANESE INTERMEDIATE CODE: A131

Effective date: 20121217

A521 Request for written amendment filed

Free format text: JAPANESE INTERMEDIATE CODE: A523

Effective date: 20130318

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: 20130527

A61 First payment of annual fees (during grant procedure)

Free format text: JAPANESE INTERMEDIATE CODE: A61

Effective date: 20130611

R150 Certificate of patent or registration of utility model

Ref document number: 5294880

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

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