JP7150839B2 - インターフェース固有アカウント識別子 - Google Patents

インターフェース固有アカウント識別子 Download PDF

Info

Publication number
JP7150839B2
JP7150839B2 JP2020521480A JP2020521480A JP7150839B2 JP 7150839 B2 JP7150839 B2 JP 7150839B2 JP 2020521480 A JP2020521480 A JP 2020521480A JP 2020521480 A JP2020521480 A JP 2020521480A JP 7150839 B2 JP7150839 B2 JP 7150839B2
Authority
JP
Japan
Prior art keywords
account
accessor
identifier
account identifier
identifiers
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
JP2020521480A
Other languages
English (en)
Japanese (ja)
Other versions
JP2020526856A5 (enExample
JP2020526856A (ja
Inventor
フランク アーロン
ロススタイン マシュー
ディートリッヒ アンドリュー
クラマー アレキサンダー
ブリッグス アンドリュー
Original Assignee
ゴールドマン サックス バンク ユーエスエー
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 ゴールドマン サックス バンク ユーエスエー filed Critical ゴールドマン サックス バンク ユーエスエー
Publication of JP2020526856A publication Critical patent/JP2020526856A/ja
Publication of JP2020526856A5 publication Critical patent/JP2020526856A5/ja
Application granted granted Critical
Publication of JP7150839B2 publication Critical patent/JP7150839B2/ja
Active legal-status Critical Current
Anticipated expiration legal-status Critical

Links

Images

Classifications

    • GPHYSICS
    • G06COMPUTING OR CALCULATING; COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, 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
    • G06Q20/409Device specific authentication in transaction processing
    • G06Q20/4097Device specific authentication in transaction processing using mutual authentication between devices and transaction partners
    • GPHYSICS
    • G06COMPUTING OR CALCULATING; COUNTING
    • G06FELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/60Protecting data
    • G06F21/62Protecting access to data via a platform, e.g. using keys or access control rules
    • G06F21/6218Protecting access to data via a platform, e.g. using keys or access control rules to a system of files or objects, e.g. local or distributed file system or database
    • GPHYSICS
    • G06COMPUTING OR CALCULATING; COUNTING
    • G06FELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/30Authentication, i.e. establishing the identity or authorisation of security principals
    • G06F21/31User authentication
    • G06F21/34User authentication involving the use of external additional devices, e.g. dongles or smart cards
    • GPHYSICS
    • G06COMPUTING OR CALCULATING; COUNTING
    • G06FELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/60Protecting data
    • G06F21/604Tools and structures for managing or administering access control systems
    • GPHYSICS
    • G06COMPUTING OR CALCULATING; COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/22Payment schemes or models
    • G06Q20/24Credit schemes, i.e. "pay after"
    • GPHYSICS
    • G06COMPUTING OR CALCULATING; COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327Short range or proximity payments by means of M-devices
    • G06Q20/3278RFID or NFC payments by means of M-devices
    • GPHYSICS
    • G06COMPUTING OR CALCULATING; COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • GPHYSICS
    • G06COMPUTING OR CALCULATING; COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, 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
    • G06Q20/401Transaction verification
    • G06Q20/4014Identity check for transactions
    • G06Q20/40145Biometric identity checks
    • GPHYSICS
    • G06COMPUTING OR CALCULATING; COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, 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
    • G06Q20/405Establishing or using transaction specific rules
    • GPHYSICS
    • G06COMPUTING OR CALCULATING; COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/42Confirmation, e.g. check or permission by the legal debtor of payment

Landscapes

  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • Computer Security & Cryptography (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Finance (AREA)
  • Computer Hardware Design (AREA)
  • Software Systems (AREA)
  • General Engineering & Computer Science (AREA)
  • General Health & Medical Sciences (AREA)
  • Health & Medical Sciences (AREA)
  • Bioethics (AREA)
  • Automation & Control Theory (AREA)
  • Economics (AREA)
  • Development Economics (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Databases & Information Systems (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Storage Device Security (AREA)
  • Telephonic Communication Services (AREA)
JP2020521480A 2017-06-28 2018-06-28 インターフェース固有アカウント識別子 Active JP7150839B2 (ja)

Applications Claiming Priority (5)

Application Number Priority Date Filing Date Title
US201762526310P 2017-06-28 2017-06-28
US201762526315P 2017-06-28 2017-06-28
US62/526,315 2017-06-28
US62/526,310 2017-06-28
PCT/US2018/040121 WO2019006187A1 (en) 2017-06-28 2018-06-28 IDENTIFIERS OF ACCOUNT-SPECIFIC ACCOUNTS

Publications (3)

Publication Number Publication Date
JP2020526856A JP2020526856A (ja) 2020-08-31
JP2020526856A5 JP2020526856A5 (enExample) 2021-08-05
JP7150839B2 true JP7150839B2 (ja) 2022-10-11

Family

ID=64742224

Family Applications (1)

Application Number Title Priority Date Filing Date
JP2020521480A Active JP7150839B2 (ja) 2017-06-28 2018-06-28 インターフェース固有アカウント識別子

Country Status (11)

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

Families Citing this family (7)

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

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2002063374A (ja) 2000-08-16 2002-02-28 Nec Corp 代金決済代行システム及び代金決済代行方法
US20100030677A1 (en) 2008-03-08 2010-02-04 Stefan Melik-Aslanian Fraud prevention and replacement of credit/debit cards - lost, stolen, defective or fraudulently used
JP2013137798A (ja) 2013-03-05 2013-07-11 Ntt Data Corp サービス提供装置およびサービス提供方法
US20150339663A1 (en) 2014-05-21 2015-11-26 Mastercard International Incorporated Methods of payment token lifecycle management on a mobile device
JP2017033190A (ja) 2015-07-30 2017-02-09 凸版印刷株式会社 情報管理サーバ、および、決済システム

Family Cites Families (30)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6636833B1 (en) * 1998-03-25 2003-10-21 Obis Patents Ltd. Credit card system and method
US6324526B1 (en) * 1999-01-15 2001-11-27 D'agostino John System and method for performing secure credit card purchases
US7996288B1 (en) * 2000-11-15 2011-08-09 Iprivacy, Llc Method and system for processing recurrent consumer transactions
US7104443B1 (en) * 2001-04-23 2006-09-12 Debitman Card, Inc. Method and system for facilitating electronic funds transactions
US20030014357A1 (en) * 2001-07-16 2003-01-16 General Motors Corporation Method and system for conducting user defined mobile commerce
US8620757B2 (en) * 2002-02-20 2013-12-31 Bank Of America, National Association System for providing an online account statement having hyperlinks
US8682784B2 (en) * 2004-07-16 2014-03-25 Ebay, Inc. Method and system to process credit card payment transactions initiated by a merchant
US7502760B1 (en) * 2004-07-19 2009-03-10 Amazon Technologies, Inc. Providing payments automatically in accordance with predefined instructions
US8464938B2 (en) * 2007-06-22 2013-06-18 Intelispend Prepaid Solutions, Llc Client customized virtual or physical card for use with selected merchants
US7860784B2 (en) * 2006-12-29 2010-12-28 Ebay Inc. Method and system for user payment account management
US10163092B2 (en) * 2007-08-18 2018-12-25 Expensify, Inc. System and method for establishing a payment mechanism with a plurality of merchants
US8046268B2 (en) * 2008-07-14 2011-10-25 Shop Ma, Inc. Multi-merchant payment system
US8799067B2 (en) * 2008-09-12 2014-08-05 Visa Usa Inc. System and method for a merchant debit card program including a plurality of issuers
US8423453B1 (en) * 2009-10-07 2013-04-16 Capital One Financial Corporation Systems and methods for processing a transaction
KR101144930B1 (ko) * 2010-05-31 2012-05-11 중소기업은행 카드사서버에서 복수의 카드번호를 가지는 신용카드 관리 장치, 방법 및 기록매체
KR20120076521A (ko) * 2010-11-29 2012-07-09 인포뱅크 주식회사 사용권한 설정이 가능한 직불카드를 기반으로 한 결제대행 중계시스템 및 그 방법
US9027083B2 (en) * 2011-08-05 2015-05-05 Bank Of America Corporation Management of access identifiers
US20130151388A1 (en) * 2011-12-12 2013-06-13 Visa International Service Association Systems and methods to identify affluence levels of accounts
CN104969235B (zh) * 2013-01-31 2018-02-02 日本电气株式会社 网络系统
HK1213076A1 (zh) * 2013-03-15 2016-06-24 维萨国际服务协会 捕捉移動安全裝置、方法和系統
CN105531733B (zh) * 2013-07-31 2021-04-23 维萨国际服务协会 使得支付能够仅由一个商家处理
US20150112780A1 (en) * 2013-10-21 2015-04-23 Mastercard International Incorporated Method and system for processing of a real-time rebate at transaction authorization
US20150186908A1 (en) * 2013-12-27 2015-07-02 Mastercard International Incorporated Method and system for accelerating payment card usage behavior change
US10068244B2 (en) * 2014-08-25 2018-09-04 Capital One Services, Llc Systems and methods for suggesting financial account cards stored on a wireless device
GB2530345A (en) * 2014-09-22 2016-03-23 Mastercard International Inc Payment systems and methods for managing payment card use
US20160335634A1 (en) * 2015-05-14 2016-11-17 Mastercard International Incorporated Method and System for Partial Approval of Virtual Card Transactions
US9940637B2 (en) * 2015-06-05 2018-04-10 Apple Inc. User interface for loyalty accounts and private label accounts
US10373169B2 (en) * 2015-08-11 2019-08-06 Paypal, Inc. Enhancing information security via the use of a dummy credit card number
EP3136330A1 (en) * 2015-08-28 2017-03-01 Mastercard International Incorporated Assessing credit risk
US11004071B2 (en) 2015-09-09 2021-05-11 Pay with Privacy, Inc. Systems and methods for automatically securing and validating multi-server electronic communications over a plurality of networks

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2002063374A (ja) 2000-08-16 2002-02-28 Nec Corp 代金決済代行システム及び代金決済代行方法
US20100030677A1 (en) 2008-03-08 2010-02-04 Stefan Melik-Aslanian Fraud prevention and replacement of credit/debit cards - lost, stolen, defective or fraudulently used
JP2013137798A (ja) 2013-03-05 2013-07-11 Ntt Data Corp サービス提供装置およびサービス提供方法
US20150339663A1 (en) 2014-05-21 2015-11-26 Mastercard International Incorporated Methods of payment token lifecycle management on a mobile device
JP2017033190A (ja) 2015-07-30 2017-02-09 凸版印刷株式会社 情報管理サーバ、および、決済システム

Also Published As

Publication number Publication date
CN111263941A (zh) 2020-06-09
EP3646229A1 (en) 2020-05-06
IL271643B2 (en) 2024-04-01
CA3068134A1 (en) 2019-01-03
AU2018290959A1 (en) 2020-02-13
US10657536B2 (en) 2020-05-19
IL271643A (en) 2020-02-27
WO2019006187A1 (en) 2019-01-03
IL271643B1 (en) 2023-12-01
SG11201912934XA (en) 2020-01-30
KR20200044788A (ko) 2020-04-29
US20190259034A1 (en) 2019-08-22
KR102523695B1 (ko) 2023-04-20
ZA201908612B (en) 2022-06-29
EP3646229A4 (en) 2020-07-08
JP2020526856A (ja) 2020-08-31

Similar Documents

Publication Publication Date Title
JP7150839B2 (ja) インターフェース固有アカウント識別子
US20220405734A1 (en) Interface-Specific Account Identifiers
US10999268B2 (en) System and method for electronic credentials
US9491200B2 (en) Role-based attribute based access control (RABAC)
US20170195879A1 (en) System for authorizing access based on authentication via separate channel
US10110574B1 (en) Biometric identification
CN105763547B (zh) 第三方授权方法和第三方授权系统
US20170091759A1 (en) Token provisioning for non-account holder use with limited transaction functions
US20150074774A1 (en) System, apparatus, and method for a unified identity wallet
US20190005098A1 (en) Automatic Correlation of Account Identifiers to Account Accessors
US12380429B2 (en) Systems and methods for an all-in-one mobile wallet with administrator portal
US20200028877A1 (en) A framework for access provisioning in physical access control systems
US20170201515A1 (en) Dental wedge
US11483316B1 (en) System and method for access using a circle of trust
US20160171240A1 (en) Method of privacy preserving during an access to a restricted service
HK40019818A (zh) 接口特定的账户标识符
US11475446B2 (en) System, methods and computer program products for identity authentication for electronic payment transactions
US20250278720A1 (en) Method for allocating money from a bank account to an anonymous unidentified person and cardless unidentified anonymous ATM cash withdrawal
US12130936B2 (en) Systems and methods for controlling access to data records
CN115758303A (zh) 权限控制方法、装置、设备及存储介质

Legal Events

Date Code Title Description
A521 Request for written amendment filed

Free format text: JAPANESE INTERMEDIATE CODE: A523

Effective date: 20210624

A621 Written request for application examination

Free format text: JAPANESE INTERMEDIATE CODE: A621

Effective date: 20210624

A977 Report on retrieval

Free format text: JAPANESE INTERMEDIATE CODE: A971007

Effective date: 20220727

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: 20220830

A61 First payment of annual fees (during grant procedure)

Free format text: JAPANESE INTERMEDIATE CODE: A61

Effective date: 20220928

R150 Certificate of patent or registration of utility model

Ref document number: 7150839

Country of ref document: JP

Free format text: JAPANESE INTERMEDIATE CODE: R150

R250 Receipt of annual fees

Free format text: JAPANESE INTERMEDIATE CODE: R250