JP6356074B2 - Ｐｉｎデビットの発行者のための認証プラットフォーム - Google Patents

Ｐｉｎデビットの発行者のための認証プラットフォーム Download PDF

Info

Publication number
JP6356074B2
JP6356074B2 JP2014557716A JP2014557716A JP6356074B2 JP 6356074 B2 JP6356074 B2 JP 6356074B2 JP 2014557716 A JP2014557716 A JP 2014557716A JP 2014557716 A JP2014557716 A JP 2014557716A JP 6356074 B2 JP6356074 B2 JP 6356074B2
Authority
JP
Japan
Prior art keywords
digital processing
processing device
data
consumer
transaction
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
JP2014557716A
Other languages
English (en)
Japanese (ja)
Other versions
JP2015508925A5 (enExample
JP2015508925A (ja
Inventor
タージョン、ポール
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
CardinalCommerce Corp
Original Assignee
CardinalCommerce Corp
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by CardinalCommerce Corp filed Critical CardinalCommerce Corp
Publication of JP2015508925A publication Critical patent/JP2015508925A/ja
Publication of JP2015508925A5 publication Critical patent/JP2015508925A5/ja
Application granted granted Critical
Publication of JP6356074B2 publication Critical patent/JP6356074B2/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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3821—Electronic credentials
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3223—Realising banking transactions through M-devices
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
    • 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
    • G06Q20/4015—Transaction verification using location information
    • 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
    • G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing
    • 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
    • G06Q20/407—Cancellation of a 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
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/409—Device specific authentication in transaction processing

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Security & Cryptography (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Cash Registers Or Receiving Machines (AREA)
JP2014557716A 2012-02-15 2013-02-12 Ｐｉｎデビットの発行者のための認証プラットフォーム Active JP6356074B2 (ja)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
US201261599114P 2012-02-15 2012-02-15
US61/599,114 2012-02-15
PCT/US2013/025699 WO2013122912A1 (en) 2012-02-15 2013-02-12 Authentication platform for pin debit issuers

Publications (3)

Publication Number Publication Date
JP2015508925A JP2015508925A (ja) 2015-03-23
JP2015508925A5 JP2015508925A5 (enExample) 2016-03-24
JP6356074B2 true JP6356074B2 (ja) 2018-07-11

Family

ID=48946481

Family Applications (1)

Application Number Title Priority Date Filing Date
JP2014557716A Active JP6356074B2 (ja) 2012-02-15 2013-02-12 Ｐｉｎデビットの発行者のための認証プラットフォーム

Country Status (6)

Country Link
US (2) US10810584B2 (enExample)
EP (1) EP2815366A4 (enExample)
JP (1) JP6356074B2 (enExample)
AU (2) AU2013221800B2 (enExample)
CA (1) CA2864171C (enExample)
WO (1) WO2013122912A1 (enExample)

Families Citing this family (10)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP6149741B2 (ja) * 2014-01-24 2017-06-21 富士ゼロックス株式会社 情報処理装置及びプログラム
WO2015120420A2 (en) * 2014-02-07 2015-08-13 Steelman Walter Financial transaction system and method
EP3164841A4 (en) * 2014-07-03 2017-12-27 Mastercard International, Inc. Enhanced user authentication platform
US10535067B2 (en) * 2015-07-01 2020-01-14 Mastercard International Incorporated Electronic incremental payments
US10621567B2 (en) 2015-07-01 2020-04-14 Mastercard International Incorporation Electronic grace period billing
US10311413B2 (en) 2015-07-01 2019-06-04 Mastercard International Incorporated By-item bill payments
US10580006B2 (en) 2015-07-13 2020-03-03 Mastercard International Incorporated System and method of managing data injection into an executing data processing system
US10185938B2 (en) * 2015-09-22 2019-01-22 Mastercard International Incorporated Methods and systems for product identification and computer routing services
US11729276B2 (en) * 2020-11-10 2023-08-15 Paypal, Inc. Rapid online variable sourcing infrastructure (ROVS) for decision systems
US20230123264A1 (en) * 2021-10-15 2023-04-20 GTE Financial Systems, apparatuses and methods for providing a virtual card

Family Cites Families (30)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
FR2790162B1 (fr) * 1999-02-19 2001-04-13 France Telecom Procede de telepaiement et systeme pour la mise en oeuvre de ce procede
US7260724B1 (en) * 1999-09-20 2007-08-21 Security First Corporation Context sensitive dynamic authentication in a cryptographic system
US7263506B2 (en) 2000-04-06 2007-08-28 Fair Isaac Corporation Identification and management of fraudulent credit/debit card purchases at merchant ecommerce sites
TW589855B (en) 2000-05-15 2004-06-01 Ntt Docomo Inc Authentication system and method
US20030105710A1 (en) * 2000-07-11 2003-06-05 Ellen Barbara Method and system for on-line payments
JP2002352165A (ja) 2001-05-28 2002-12-06 Casio Comput Co Ltd 電子決済装置、電子決済システム、携帯端末装置、電子決済方法、及びプログラム
EP1440400A4 (en) * 2001-09-21 2004-11-10 Bank One Delaware Nat Ass METHOD FOR PROVIDING CARDLESS PAYMENT
US7873985B2 (en) * 2002-01-08 2011-01-18 Verizon Services Corp. IP based security applications using location, port and/or device identifier information
CA2950637C (en) 2002-06-12 2019-03-19 Cardinalcommerce Corporation Universal merchant platform for payment authentication
US7693783B2 (en) 2002-06-12 2010-04-06 Cardinalcommerce Corporation Universal merchant platform for payment authentication
JP2004240645A (ja) * 2003-02-05 2004-08-26 Ufj Bank Ltd 本人認証システム及び本人認証の方法
JP2004348536A (ja) * 2003-05-23 2004-12-09 Intelligent Wave Inc 履歴情報付加プログラム、履歴情報を用いた不正判定プログラム、及び履歴情報を用いた不正判定システム
JP2005208822A (ja) * 2004-01-21 2005-08-04 Seiko Epson Corp 認証装置、携帯端末、電子決済システムおよび認証プログラム
US8285639B2 (en) * 2005-07-05 2012-10-09 mConfirm, Ltd. Location based authentication system
US20070282754A1 (en) 2006-04-24 2007-12-06 Encryptakey, Inc. Systems and methods for performing secure in-person transactions
US20090240620A1 (en) 2008-03-24 2009-09-24 Propay Usa, Inc. Secure payment system
MX2011002067A (es) * 2008-08-26 2011-06-20 Adaptive Payments Inc Sistema y metodo de transacciones de pago seguras.
LU91488B1 (en) * 2008-10-17 2010-04-19 Robert Carter Multifactor Authentication
JP4377443B1 (ja) * 2008-10-17 2009-12-02 株式会社インテリジェントウェイブ クレジットカードの決済承認システム、クレジットカードの決済承認システムにおいて用いられるクレジットカード、端末装置及びホストコンピュータシステム、並びにクレジットカードの決済承認方法
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.
US8961619B2 (en) 2009-01-06 2015-02-24 Qualcomm Incorporated Location-based system permissions and adjustments at an electronic device
US8893967B2 (en) * 2009-05-15 2014-11-25 Visa International Service Association Secure Communication of payment information to merchants using a verification token
US8600873B2 (en) * 2009-05-28 2013-12-03 Visa International Service Association Managed real-time transaction fraud analysis and decisioning
JP6006907B2 (ja) * 2010-04-05 2016-10-12 カーディナルコマース コーポレーション 暗証番号付きデビット取引の処理方法およびシステム
US10460316B2 (en) * 2010-04-05 2019-10-29 Paypal, Inc. Two device authentication
KR20110111800A (ko) 2010-04-05 2011-10-12 에스케이 텔레콤주식회사 이동통신 단말기의 결제 보안 장치 및 방법
JP6043464B2 (ja) * 2010-04-07 2016-12-14 カーディナルコマース コーポレーション 汎用販売者申請、登録、および利用プラットフォーム
US8997201B2 (en) * 2012-05-14 2015-03-31 Cisco Technology, Inc. Integrity monitoring to detect changes at network device for use in secure network access
US8917826B2 (en) * 2012-07-31 2014-12-23 International Business Machines Corporation Detecting man-in-the-middle attacks in electronic transactions using prompts
US20160241574A1 (en) * 2015-02-16 2016-08-18 Taasera, Inc. Systems and methods for determining trustworthiness of the signaling and data exchange between network systems

Also Published As

Publication number Publication date
EP2815366A4 (en) 2015-09-09
CA2864171A1 (en) 2013-08-22
US20210019743A1 (en) 2021-01-21
AU2013221800A1 (en) 2014-08-21
US20130212020A1 (en) 2013-08-15
EP2815366A1 (en) 2014-12-24
JP2015508925A (ja) 2015-03-23
AU2013221800B2 (en) 2019-01-17
US11868920B2 (en) 2024-01-09
WO2013122912A1 (en) 2013-08-22
AU2019202629A1 (en) 2019-05-09
US10810584B2 (en) 2020-10-20
CA2864171C (en) 2020-06-23

Similar Documents

Publication Publication Date Title
JP6356074B2 (ja) Ｐｉｎデビットの発行者のための認証プラットフォーム
US12271893B2 (en) Single sign-on using a secure authentication system
US10504098B2 (en) Method and system for processing pin debit transactions
AU2010204316B2 (en) Payment system
JP6043464B2 (ja) 汎用販売者申請、登録、および利用プラットフォーム
US20150254639A1 (en) Transactions utilizing multiple digital wallets
WO2015107442A1 (en) Systems and methods for issuing mobile payment cards via a mobile communication network and internet-connected devices
US11354646B2 (en) Methods and systems for supporting QR code transactions
NL2025516B1 (en) Methods and systems for transferring funds
AU2015203373B2 (en) Method and system for processing PIN debit transactions
AU2017202204A1 (en) Universal merchant application, registration and boarding platform

Legal Events

Date Code Title Description
A521 Request for written amendment filed

Free format text: JAPANESE INTERMEDIATE CODE: A523

Effective date: 20160130

A621 Written request for application examination

Free format text: JAPANESE INTERMEDIATE CODE: A621

Effective date: 20160130

A977 Report on retrieval

Free format text: JAPANESE INTERMEDIATE CODE: A971007

Effective date: 20170118

A131 Notification of reasons for refusal

Free format text: JAPANESE INTERMEDIATE CODE: A131

Effective date: 20170131

A521 Request for written amendment filed

Free format text: JAPANESE INTERMEDIATE CODE: A523

Effective date: 20170429

A131 Notification of reasons for refusal

Free format text: JAPANESE INTERMEDIATE CODE: A131

Effective date: 20170613

A521 Request for written amendment filed

Free format text: JAPANESE INTERMEDIATE CODE: A523

Effective date: 20170909

A02 Decision of refusal

Free format text: JAPANESE INTERMEDIATE CODE: A02

Effective date: 20171212

A521 Request for written amendment filed

Free format text: JAPANESE INTERMEDIATE CODE: A523

Effective date: 20180411

A521 Request for written amendment filed

Free format text: JAPANESE INTERMEDIATE CODE: A523

Effective date: 20180428

A911 Transfer to examiner for re-examination before appeal (zenchi)

Free format text: JAPANESE INTERMEDIATE CODE: A911

Effective date: 20180502

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: 20180529

A61 First payment of annual fees (during grant procedure)

Free format text: JAPANESE INTERMEDIATE CODE: A61

Effective date: 20180613

R150 Certificate of patent or registration of utility model

Ref document number: 6356074

Country of ref document: JP

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