JP6479769B2 - 顧客制御口座の施錠機能を提供する方法及びシステム - Google Patents
顧客制御口座の施錠機能を提供する方法及びシステム Download PDFInfo
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- 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
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
- G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
- G06F21/31—User authentication
- G06F21/34—User authentication involving the use of external additional devices, e.g. dongles or smart cards
- G06F21/35—User authentication involving the use of external additional devices, e.g. dongles or smart cards communicating wirelessly
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
- G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
- G06F21/31—User authentication
- G06F21/42—User authentication using separate channels for security data
- G06F21/43—User authentication using separate channels for security data wireless channels
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- 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
- G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
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- G—PHYSICS
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- 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
- G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
- G06Q20/3255—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks using mobile network messaging services for payment, e.g. SMS
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- 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
- G06Q20/40—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
- G06Q20/40—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; 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
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04W—WIRELESS COMMUNICATION NETWORKS
- H04W12/00—Security arrangements; Authentication; Protecting privacy or anonymity
- H04W12/08—Access security
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04W—WIRELESS COMMUNICATION NETWORKS
- H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
- H04W4/12—Messaging; Mailboxes; Announcements
- H04W4/14—Short messaging services, e.g. short message services [SMS] or unstructured supplementary service data [USSD]
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F2221/00—Indexing scheme relating to security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
- G06F2221/21—Indexing scheme relating to G06F21/00 and subgroups addressing additional information or applications relating to security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
- G06F2221/2105—Dual mode as a secondary aspect
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F2221/00—Indexing scheme relating to security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
- G06F2221/21—Indexing scheme relating to G06F21/00 and subgroups addressing additional information or applications relating to security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
- G06F2221/2141—Access rights, e.g. capability lists, access control lists, access tables, access matrices
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F2221/00—Indexing scheme relating to security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
- G06F2221/21—Indexing scheme relating to G06F21/00 and subgroups addressing additional information or applications relating to security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
- G06F2221/2147—Locking files
Description
この出願は、2013年4月26日に出願されたアメリカ合衆国予備特許出願第61/816,631の優先権を請求する2013年9月9日に出願されたアメリカ合衆国特許出願第14/022,041の優先権を請求するものであり、両出願ともに本出願により全部にわたって一体化されるものである。
Claims (14)
- 電子金融口座のための口座施錠機能をユーザに提供するための、コンピュータにより実行される方法であって、
前記ユーザに関連付けられた第1装置からサーバ装置において前記電子金融口座を施錠するリクエストを受信することを備え、前記リクエストは通信システムのショートメッセージコンポーネントまたはデータメッセージコンポーネントを介して届けられ、前記ユーザに関連付けられた前記第1装置は前記通信システムを介して通信することに使用され、前記方法はさらに、
前記サーバ装置と通信するプロセッサを使用し、前記電子金融口座を施錠する前記リクエストに応答し、施錠口座コマンドを生成することを備え、前記施錠口座コマンドは金融取引用の前記電子金融口座の使用を制限するために使用され、前記方法はさらに、
前記サーバ装置において前記ユーザによって作動される第2装置から前記電子金融口座を施錠解除するリクエストを受信することと、
前記第1装置が前記第2装置と同じでないとき、前記プロセッサを使用し前記口座を施錠解除する前記リクエストに応答して口座施錠解除コマンドを生成することとを備え、前記口座施錠解除コマンドは前記電子金融口座に関連付けられた機能性を回復するために使用され、前記第1装置が前記第2装置と同じであるとき、前記プロセッサは前記口座施錠解除コマンドを生成せず、
前記ユーザは前記電子金融口座の所有者である、コンピュータにより実行される方法。 - 更に、前記口座施錠機能が行なわれている間に、前記電子金融口座から事前承認された資金の振替を許容することを備え、前記事前承認の振替は前記施錠する前記リクエストに先立って前記ユーザから受信された情報によって承認される、請求項1に記載のコンピュータにより実行される方法。
- 更に、前記口座施錠機能が行なわれた時間を計ることと、
前記時間が予め設定された時間を超えたとき、前記口座施錠機能を解除することとを備え、
前記予め設定された時間は前記施錠する前記リクエストの原文に基づいて設定される、請求項1に記載のコンピュータにより実行される方法。 - 更に、口座保有者からSMSメッセージを介して第2の施錠するリクエストを受信することと、
前記SMSメッセージの受信に応答して前記電子金融口座のために提供された第2の口座施錠機能を行うこととを備え、
前記口座施錠機能及び前記第2の口座施錠機能はそれぞれが前記電子金融口座の前記機能性を抑止することに関する程度が異なり、
前記施錠する前記リクエストは、テキストメッセージを介して送信され、
前記テキストメッセージ及びSMSメッセージはそれらの原文内容に関して異なる、請求項1に記載のコンピュータにより実行される方法。 - 前記施錠口座コマンドは前記電子金融口座に対してデビットに関与する取引に前記口座が使用されるのを制限するために使用される、請求項1に記載のコンピュータにより実行される方法。
- 前記電子金融口座を施錠する前記リクエストはテキストメッセージを介して送信される、請求項1に記載のコンピュータにより実行される方法。
- 更に、サーバ装置から、前記通信システムの前記ショートメッセージコンポーネントまたは前記データメッセージコンポーネントを使用して前記ユーザに関連付けられた前記装置に届けられるべき暫定確認コードを送信することと、
前記暫定確認コードを送信するステップの後に、前記暫定確認コードを受信し検証することと、
前記口座を施錠解除する前記リクエストを受信するステップの後に、前記暫定確認コードを検証するステップが成功裏に完了するまで、前記口座施錠解除コマンドを生成するステップの実行を保留することとを備える、請求項1に記載のコンピュータにより実行される方法。 - 前記電子金融口座を施錠する前記リクエストは所定の地理的位置が適合する前記ユーザの地理的位置に基づいて自動的に発生される、請求項1に記載のコンピュータにより実行される方法。
- 電子支払口座にセキュリティを提供するためのコンピュータにより実行される方法であって、
サーバ装置が前記電子支払口座を管理することを備え、前記電子支払口座は金融機関によって管理されている金融機関支払口座からの支払いの実行を口座保有者に許容し、前記方法は、
前記サーバ装置が口座保有者から第1装置を介して施錠リクエストを受信することと、
前記サーバ装置が前記施錠リクエストの受信に直接応答して施錠コマンドを生成することと、
前記サーバ装置が前記施錠コマンドを前記金融機関に送信することとをさらに備え、前記施錠コマンドは資金源口座から前記金融機関支払口座への振替を制限するために前記金融機関に指示することを含み、
前記サーバ装置が施錠解除リクエストを前記口座保有者から第2装置を介して受信することと、
前記第1装置が前記第2装置と同じでないとき、前記サーバ装置が前記施錠解除リクエストの受信に応答して施錠解除コマンドを発生し、前記第1装置が前記第2装置と同じであるとき、前記サーバ装置が前記施錠解除リクエストの受信に応答して前記施錠解除コマンドを発生しないことと、
前記施錠解除コマンドの発生後に、前記サーバ装置が前記施錠解除コマンドを前記金融機関に送信することとを更に備える、コンピュータにより実行される方法。 - 前記資金源口座は銀行口座である、請求項9に記載のコンピュータにより実行される方法。
- 更に、施錠機能が行なわれている間に、前記電子支払口座から事前承認された資金の振替を許容することを備え、前記事前承認の振替は前記施錠リクエストの受信に先立って前記口座保有者から受信された情報によって承認される、請求項9に記載のコンピュータにより実行される方法。
- 更に、前記施錠機能が行なわれた時間を計ることと、
前記時間が予め設定された時間を超えたとき、前記施錠機能を解除することとを備え、
前記予め設定された時間は前記施錠リクエストの原文に基づいて設定される、請求項9に記載のコンピュータにより実行される方法。 - 前記施錠解除リクエストは、限られた時間、前記電子支払口座を施錠解除するリクエストである、請求項9に記載のコンピュータにより実行される方法。
- 前記施錠リクエストは、本質的にショートメッセージサービスコンポーネントから構成される通信チャンネルを介して前記口座保有者から受信される、請求項9に記載のコンピュータにより実行される方法。
Applications Claiming Priority (5)
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US201361816631P | 2013-04-26 | 2013-04-26 | |
US61/816,631 | 2013-04-26 | ||
US14/022,041 US8788389B1 (en) | 2013-04-26 | 2013-09-09 | Methods and systems for providing a customer controlled account lock feature |
US14/022,041 | 2013-09-09 | ||
PCT/US2014/017568 WO2014175949A1 (en) | 2013-04-26 | 2014-02-21 | Methods and systems for providing a customer controlled account lock feature |
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JP2016517119A JP2016517119A (ja) | 2016-06-09 |
JP2016517119A5 JP2016517119A5 (ja) | 2017-03-09 |
JP6479769B2 true JP6479769B2 (ja) | 2019-03-06 |
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EP (1) | EP2989605A4 (ja) |
JP (1) | JP6479769B2 (ja) |
CN (1) | CN105283898B (ja) |
BR (1) | BR112015026925A2 (ja) |
MX (1) | MX348069B (ja) |
WO (1) | WO2014175949A1 (ja) |
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-
2013
- 2013-09-09 US US14/022,041 patent/US8788389B1/en not_active Expired - Fee Related
-
2014
- 2014-02-21 CN CN201480030103.0A patent/CN105283898B/zh not_active Expired - Fee Related
- 2014-02-21 BR BR112015026925-7A patent/BR112015026925A2/pt not_active IP Right Cessation
- 2014-02-21 EP EP14788195.7A patent/EP2989605A4/en not_active Withdrawn
- 2014-02-21 MX MX2015014727A patent/MX348069B/es active IP Right Grant
- 2014-02-21 WO PCT/US2014/017568 patent/WO2014175949A1/en active Application Filing
- 2014-02-21 JP JP2016510670A patent/JP6479769B2/ja not_active Expired - Fee Related
- 2014-07-11 US US14/329,035 patent/US20140324694A1/en not_active Abandoned
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EP2989605A4 (en) | 2016-12-14 |
MX2015014727A (es) | 2016-03-07 |
CN105283898A (zh) | 2016-01-27 |
CN105283898B (zh) | 2019-08-20 |
BR112015026925A2 (pt) | 2020-05-19 |
EP2989605A1 (en) | 2016-03-02 |
MX348069B (es) | 2017-05-26 |
JP2016517119A (ja) | 2016-06-09 |
WO2014175949A1 (en) | 2014-10-30 |
US20140324694A1 (en) | 2014-10-30 |
US8788389B1 (en) | 2014-07-22 |
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