KR20030019560A - 금융기구 확인 시스템 및 방법 - Google Patents
금융기구 확인 시스템 및 방법 Download PDFInfo
- Publication number
- KR20030019560A KR20030019560A KR10-2003-7000284A KR20037000284A KR20030019560A KR 20030019560 A KR20030019560 A KR 20030019560A KR 20037000284 A KR20037000284 A KR 20037000284A KR 20030019560 A KR20030019560 A KR 20030019560A
- Authority
- KR
- South Korea
- Prior art keywords
- transaction
- details
- user
- account
- financial
- Prior art date
Links
Classifications
-
- 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
-
- 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
- G06Q10/00—Administration; Management
- G06Q10/06—Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
- G06Q10/063—Operations research, analysis or management
- G06Q10/0635—Risk analysis of enterprise or organisation activities
-
- 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
- G06Q20/04—Payment circuits
-
- 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
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking 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
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/102—Bill distribution or payments
-
- 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
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/105—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems involving programming of a portable memory device, e.g. IC cards, "electronic purses"
-
- 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
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/108—Remote banking, e.g. home banking
-
- 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
- G06Q20/34—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; 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
- G06Q20/389—Keeping log of transactions for guaranteeing non-repudiation of a 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
-
- 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
- G06Q20/38—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
- G06Q20/4093—Monitoring of device 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
- G06Q30/00—Commerce
- G06Q30/02—Marketing; Price estimation or determination; Fundraising
- G06Q30/0201—Market modelling; Market analysis; Collecting market data
-
- 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]
- G06Q30/0609—Buyer or seller confidence or verification
-
- 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
-
- 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
- G06Q40/03—Credit; Loans; Processing thereof
-
- 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
- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
-
- 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
- G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Engineering & Computer Science (AREA)
- Finance (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- General Business, Economics & Management (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Computer Security & Cryptography (AREA)
- Marketing (AREA)
- Technology Law (AREA)
- Human Resources & Organizations (AREA)
- Entrepreneurship & Innovation (AREA)
- Game Theory and Decision Science (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Computer Networks & Wireless Communication (AREA)
- Educational Administration (AREA)
- Operations Research (AREA)
- Quality & Reliability (AREA)
- Tourism & Hospitality (AREA)
- Data Mining & Analysis (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
Description
Claims (41)
- 금융기구 이용을 위한 고객 승인을 확인하는 방법으로서, 이 방법은,- 고객이 식별한 금융기구를 이용하여 한번 이상 거래를 개시하고,- 상기 한번 이상의 거래의 한개 이상의 속성을 저장하며,- 제시되는 속성 세트를 수신하고,- 상기 제시된 속성 세트를 상기 저장된 속성과 비교하며,- 상기 제시된 속성이 상기 저장된 속성과 일치할 경우 고객에 의한 금융기구 이용을 받아들이는,이상의 단계를 포함하는 것을 특징으로 하는 금융기구 이용을 위한 고객 승인을 확인하는 방법.
- 제 1 항에 있어서, 상기 개시 단계 이후, 고객으로부터 상기 제시된 속성을 요청하는 단계를 추가로 포함하는 것을 특징으로 하는 방법.
- 제 1 항에 있어서, 상기 개시 단계는,- 제 1 속성 세트를 가진 금융기구에 관련된 제 1 거래를 개시하고, 그리고- 상기 제 1 속성 세트와는 다른 제 2 속성 세트를 가진 금융기구에 관련된 제 2 거래를 개시하는,단계를 포함하는 것을 특징으로 하는 방법.
- 제 1 항에 있어서, 상기 속성 저장 단계는 상기 한번 이상의 거래에서 첫 번째 거래의 값을 저장하는 과정을 포함하는 것을 특징으로 하는 방법.
- 제 1 항에 있어서, 상기 속성 저장 단계는 상기 한번 이상의 거래에서 첫 번째 거래의 상인 신원을 저장하는 과정을 포함하는 것을 특징으로 하는 방법.
- 제 1 항에 있어서, 상기 속성 저장 단계는 상기 한번 이상의 거래 번호(횟수)를 저장하는 과정을 포함하는 것을 특징으로 하는 방법.
- 제 1 항에 있어서, 상기 속성 저장 단계는 상기 한번 이상의 거래 중 한 거래의 종류를 저장하는 과정을 포함하는 것을 특징으로 하는 방법.
- 제 1 항에 있어서, 상기 개시 단계는 상기 거래를 전자적으로 개시하기 위해 거래 프로세서를 운영하는 과정을 포함하는 것을 특징으로 하는 방법.
- 제 8 항에 있어서, 상기 수신 단계는 상기 제시된 속성을 전자적으로 수신하는 과정을 포함하는 것을 특징으로 하는 방법.
- 제 1 항에 있어서, 금융기구가 신용카드인 것을 특징으로 하는 방법.
- 제 1 항에 있어서, 금융기구가 데빗카드인 것을 특징으로 하는 방법.
- 제 1 항에 있어서, 금융기구가 은행계좌인 것을 특징으로 하는 방법.
- 금융계좌 이용을 위해 사용자 승인을 확인하는, 컴퓨터에 의해 구현되는 방법으로서, 이 방법은,- 거래 계좌를 식별하는 정보를 사용자로부터 수신하고,- 금융 계좌에 관련된 일련의 거래를 개시하며,- 상기 일련의 거래의 제 1 세부사항 세트를 저장하고,- 세부사항 시험 세트를 수신하며,- 상기 세부사항 시험 세트를 상기 제 1 세부사항 세트와 비교하고, 그리고- 상기 제 1 세부사항 세트가 상기 세부사항 시험 세트에 상응할 경우, 금융 계좌를 이용한 사용자의 거래 실행을 승인하는,이상의 단계를 포함하는 것을 특징으로 하는, 금융계좌 이용을 위해 사용자 승인을 확인하는, 컴퓨터에 의해 구현되는 방법.
- 제 13 항에 있어서, 상기 개시 단계 이후, 사용자로부터 상기 세부사항 시험 세트를 요청하는 단계를 추가로 포함하는 것을 특징으로 하는 방법.
- 제 13 항에 있어서, 금융 계좌가 신용카드 계좌인 것을 특징으로 하는 방법.
- 제 13 항에 있어서, 금융 계좌가 데빗카드 계좌인 것을 특징으로 하는 방법.
- 제 13 항에 있어서, 금융 계좌가 당좌예금계좌(checking account)인 것을 특징으로 하는 방법.
- 제 13 항에 있어서, 금융 계좌가 저축 계좌(savings account)인 것을 특징으로 하는 방법.
- 제 13 항에 있어서, 금융 계좌가 은행예금 계좌(bank account)인 것을 특징으로 하는 방법.
- 제 13 항에 있어서, 상기 제 1 세부사항 세트가 첫 번째 거래의 상인 신원을 포함하는 것을 특징으로 하는 방법.
- 제 13 항에 있어서, 제 1 세부사항 세트가 첫 번째 거래의 거래금액을 포함하는 것을 특징으로 하는 방법.
- 제 13 항에 있어서, 상기 제 1 세부사항 세트가 첫 번째 거래의 거래 종류를포함하는 것을 특징으로 하는 방법.
- 제 13 항에 있어서, 상기 제 1 세부사항 세트가 상기 거래들의 번호(횟수)를 포함하는 것을 특징으로 하는 방법.
- 제 13 항에 있어서, 상기 제 1 세부사항 세트가 상기 금융 계좌와는 다른 상기 거래에 관련된 계좌의 신원을 포함하는 것을 특징으로 하는 방법.
- 신용카드를 확인하는 방법으로서, 이 방법은,- 사용자가 자금 소스로 이용하고자 하는 신용카드를 식별하기 위해 계좌 번호와 이름을 사용자로부터 수신하고,- 신용카드에 관련된 한 번 이상의 거래를 개시하며,- 상기 거래들의 제 1 세부사항 세트를 저장하고,- 상기 거래의 세부사항을 식별하기 위해 사용자에게 프람프트를 제시하며,- 제 2 세부사항 세트를 사용자로부터 수신하고, 그리고- 상기 제 2 세부사항 세트가 상기 제 1 세부사항 세트와 일치할 경우, 자금 소스로 신용카드를 이용하려는 사용자를 승인하는,이상의 단계를 포함하는 것을 특징으로 하는 신용카드를 확인하는 방법.
- 제 25 항에 있어서, 상기 제 2 세부사항 세트가 상기 한번 이상의 거래 중한 거래에 관련된 상인의 식별자(identifier)를 포함하는 것을 특징으로 하는 방법.
- 은행계좌(bank account)를 확인하는 방법으로서, 이 방법은,- 사용자가 자금 소스로 이용하고자 하는 은행계좌를 식별하기 위해 계좌 번호(account number)와 경로 번호(routing number)를 사용자로부터 수신하고,- 은행계좌에 관련된 한 번 이상의 거래를 개시하며,- 상기 거래들의 제 1 세부사항 세트를 저장하고,- 상기 거래의 세부사항을 식별하기 위해 사용자에게 프람프트를 제시하며,- 제 2 세부사항 세트를 사용자로부터 수신하고, 그리고- 상기 제 2 세부사항 세트가 상기 제 1 세부사항 세트와 일치할 경우, 자금 소스로 은행계좌를 이용하려는 사용자를 승인하는,이상의 단계를 포함하는 것을 특징으로 하는 은행계좌를 확인하는 방법.
- 제 27 항에 있어서, 상기 제 2 세부사항 세트가 상기 한번 이상의 거래 중 한 거래의 거래금액을 포함하는 것을 특징으로 하는 방법.
- 컴퓨터에 의해 실행될 때 금융기구를 이용하려는 고객의 승인을 확인하는 방법을 컴퓨터가 실행하게 하는 명령을 저장하는, 컴퓨터에 의해 판독가능한 저장 매체로서, 이 방법은,- 고객이 식별한 금융기구를 이용하여 한번 이상 거래를 개시하고,- 상기 한번 이상 거래의 한가지 이상 속성을 저장하며,- 제시되는 속성 세트를 수신하고,- 상기 제시된 속성을 상기 저장된 속성에 비교하며, 그리고- 상기 제시된 속성이 상기 저장된 속성과 일치할 경우 고객에 의한 금융기구 이용을 받아들이는,이상의 단계를 포함하는, 컴퓨터에 의해 실행될 때 금융기구를 이용하려는 고객의 승인을 확인하는, 방법을 컴퓨터가 실행하게 하는 명령을 저장하는, 컴퓨터에 의해 판독가능한 저장 매체.
- 외부 금융 계좌를 이용하려는 사용자 승인을 확인하기 위한 시스템으로서, 이 시스템은,- 사용자에 의해 식별되는 외부 금융 계좌에 관련된 한번 이상 거래를 개시하도록 설정된 거래 프로세서,- 상기 거래의 제 1 세부사항 세트를 저장하도록 설정되는 메모리,- 세부사항 시험 세트를 수신하도록 설정되는 사용자 인터페이스, 그리고- 상기 제 1 세부사항 세트와 상기 세부사항 시험 세트를 비교하도록 설정되는 프로세서를 포함하는 것을 특징으로 하는, 외부 금융 계좌를 이용하려는 사용자 승인을 확인하기 위한 시스템.
- 제 30 항에 있어서, 상기 세부사항 시험 세트가 상기 제 1 세부사항 세트의 지정된 서브세트와 일치할 경우 외부 금융 계좌를 이용하려는 사용자를 승인하도록 상기 프로세서가 설정되는 것을 특징으로 하는 시스템.
- 제 30 항에 있어서, ACH(Automated Clearing House) 거래 핸들러에 상기 거래 프로세서가 연결되는 것을 특징으로 하는 시스템.
- 제 30 항에 있어서, 상기 거래 프로세서가 신용카드 서비스 제공자에 연결되는 것을 특징으로 하는 시스템.
- 제 33 항에 있어서, 상기 신용카드 서비스 제공자가 상인 획득자(merchant acquirer)인 것을 특징으로 하는 시스템.
- 제 33 항에 있어서, 상기 신용카드 서비스 제공자가 신용카드 게이트웨이 제공자인 것을 특징으로 하는 시스템.
- 제 30 항에 있어서, 상기 개시 과정 이전에 상기 한번 이상 거래를 수행하도록 상기 거래 프로세서가 설정되는 것을 특징으로 하는 시스템.
- 제 30 항에 있어서, 상기 사용자 인터페이스를 운영하기 위한 컴퓨터 서버를 추가로 포함하는 것을 특징으로 하는 시스템.
- 제 37 항에 있어서, 상기 거래 프로세서에 의한 개시 과정 이전에 상기 한번 이상 거래를 수행하도록 상기 컴퓨터 서버가 설정되는 것을 특징으로 하는 시스템.
- 금융기구를 이용하려는 고객의 승인을 확인하기 위한 장치로서, 상기 장치는,- 금융기구를 식별하는 정보를 고객으로부터 수신하기 위한 수단,- 금융기구에 관련된 한번 이상 거래를 개시하기 위한 거래 수단,- 상기 한번 이상 거래의 선택된 세부사항을 저장하기 위한 저장 수단,- 세부사항 확인 세트를 수신하기 위한 인터페이스 수단, 그리고- 상기 선택된 세부사항에 상기 세부사항 확인 세트를 비교하기 위한 비교 수단을 포함하고, 이때, 상기 세부사항 확인 세트가 상기 선택된 세부사항에 상응할 경우 금융기구 이용 권리를 고객이 가진 것으로 간주하는 것을 특징으로 하는, 금융기구를 이용하려는 고객의 승인을 확인하기 위한 장치.
- 제 39 항에 있어서, 상기 세부사항 확인 세트를 제공하도록 고객에게 프람프트를 제시하는 프람프트 수단을 추가로 포함하는 것을 특징으로 하는 장치.
- 제 40 항에 있어서, 상기 인터페이스 수단이 상기 프람프트 수단을 포함하는 것을 특징으로 하는 장치.
Applications Claiming Priority (5)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US21720200P | 2000-07-10 | 2000-07-10 | |
US21724300P | 2000-07-10 | 2000-07-10 | |
US60/217,202 | 2000-07-10 | ||
US60/217,243 | 2000-07-10 | ||
PCT/US2001/021725 WO2002005224A2 (en) | 2000-07-10 | 2001-07-10 | System and method for verifying a financial instrument |
Publications (2)
Publication Number | Publication Date |
---|---|
KR20030019560A true KR20030019560A (ko) | 2003-03-06 |
KR100776458B1 KR100776458B1 (ko) | 2007-11-16 |
Family
ID=26911712
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
KR1020037000284A KR100776458B1 (ko) | 2000-07-10 | 2001-07-10 | 금융기구 확인 시스템 및 방법 |
Country Status (9)
Country | Link |
---|---|
US (6) | US7430537B2 (ko) |
EP (2) | EP2209095A1 (ko) |
JP (5) | JP5005871B2 (ko) |
KR (1) | KR100776458B1 (ko) |
AU (3) | AU7196801A (ko) |
CA (2) | CA2412184C (ko) |
DK (1) | DK1356438T3 (ko) |
ES (1) | ES2485090T3 (ko) |
WO (1) | WO2002005224A2 (ko) |
Families Citing this family (202)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
DE19926472C2 (de) | 1999-06-10 | 2001-11-15 | Call A Bike Mobilitaetssysteme | Verfahren zum Übermitteln eines Codes |
CA2412184C (en) * | 2000-07-10 | 2015-04-07 | Paypal, Inc. | System and method for verifying a financial instrument |
US8086508B2 (en) * | 2000-07-24 | 2011-12-27 | Cashedge, Inc. | Method and apparatus for delegating authority |
US7146338B2 (en) * | 2001-06-28 | 2006-12-05 | Checkfree Services Corporation | Inter-network financial service |
US7031939B1 (en) * | 2000-08-15 | 2006-04-18 | Yahoo! Inc. | Systems and methods for implementing person-to-person money exchange |
US7383223B1 (en) * | 2000-09-20 | 2008-06-03 | Cashedge, Inc. | Method and apparatus for managing multiple accounts |
WO2002042865A2 (en) * | 2000-11-21 | 2002-05-30 | Netcharge.Com, Inc. | Method and system for centrally organizing transactional information in a network environment |
GB0107925D0 (en) | 2001-03-29 | 2001-05-23 | Nokia Networks Oy | Content charging |
AU2002326635A1 (en) * | 2001-08-15 | 2003-03-03 | Shea Writer | Methods for verifying cardholder authenticity and for creating billing address database |
US8650103B2 (en) | 2001-10-17 | 2014-02-11 | Ebay, Inc. | Verification of a person identifier received online |
US20030187790A1 (en) * | 2002-03-26 | 2003-10-02 | Amy Swift | Electronic check processing systems |
US7177846B2 (en) * | 2002-07-29 | 2007-02-13 | Checkfree Corporation | Technique for account authentication |
US20130043305A1 (en) * | 2011-07-18 | 2013-02-21 | Tiger T. G. Zhou | Methods and systems for receiving compensation for using mobile payment services |
US8332317B1 (en) | 2002-10-31 | 2012-12-11 | Checkfree Corporation | Verification of a financial instrument allowing rules-based pre-acceptance use of the financial instrument |
US20040088243A1 (en) * | 2002-10-31 | 2004-05-06 | Mccoy Randal A. | Verifying a financial instrument using a customer requested transaction |
US8473355B2 (en) * | 2002-12-06 | 2013-06-25 | Facebook, Inc. | System and method for electronic wallet conversion |
US7856399B2 (en) * | 2003-02-05 | 2010-12-21 | Propay Usa. Inc. | Linking a merchant account with a financial card |
US7765153B2 (en) * | 2003-06-10 | 2010-07-27 | Kagi, Inc. | Method and apparatus for verifying financial account information |
US8554601B1 (en) | 2003-08-22 | 2013-10-08 | Amazon Technologies, Inc. | Managing content based on reputation |
US7822631B1 (en) | 2003-08-22 | 2010-10-26 | Amazon Technologies, Inc. | Assessing content based on assessed trust in users |
US8396792B1 (en) * | 2003-09-10 | 2013-03-12 | Propay Usa. Inc. | Dynamically specifying a merchant identifier in an electronic financial transaction |
US20050097015A1 (en) * | 2003-10-30 | 2005-05-05 | Wilkes W. B. | Electronic financial transactions with portable merchant accounts |
US20050177510A1 (en) * | 2004-02-09 | 2005-08-11 | Visa International Service Association, A Delaware Corporation | Buyer initiated payment |
US20090119159A1 (en) * | 2007-10-31 | 2009-05-07 | David C. Reardon | System and Method for Transferring Funds to Recipients of Electronic Messages |
US8346660B2 (en) | 2004-02-26 | 2013-01-01 | David C. Reardon | System and method for two-way transfer of funds and electronic content between summa account users with gathering of behavioral metrics and management of multiple currencies and escrow accounts |
US8799164B2 (en) | 2004-02-26 | 2014-08-05 | David C Reardon | Financial transaction system with integrated electronic messaging, control of marketing data, and user defined charges for receiving messages |
US7873572B2 (en) * | 2004-02-26 | 2011-01-18 | Reardon David C | Financial transaction system with integrated electronic messaging, control of marketing data, and user defined charges for receiving messages |
US8660950B2 (en) | 2004-04-16 | 2014-02-25 | Wells Fargo, N.A. | System and method for bill pay with credit card funding |
GB0410861D0 (en) * | 2004-05-14 | 2004-06-16 | Ecebs Ltd | Improved ticketing system |
US20060026097A1 (en) * | 2004-07-30 | 2006-02-02 | Kagi, Inc. | Method and apparatus for verifying a financial instrument |
CA2479333A1 (en) * | 2004-08-11 | 2006-02-11 | Neteller Plc | A method and system for merchant indemnification for online financial transactions |
US8433647B1 (en) * | 2004-08-25 | 2013-04-30 | Vectorsgi, Inc. | Method and system for processing electronic checks |
US7870071B2 (en) | 2004-09-08 | 2011-01-11 | American Express Travel Related Services Company, Inc. | Systems, methods, and devices for combined credit card and stored value transaction accounts |
CN102406650A (zh) * | 2004-10-20 | 2012-04-11 | 恩多研究公司 | 单独的性甾体前体或与选择性雌激素受体调节剂联合用于防治绝经后女性的阴道疾病和病症 |
US20060213980A1 (en) * | 2005-03-25 | 2006-09-28 | Bluko Information Group | Method and system of detecting cash deposits and attributing value |
US20060213978A1 (en) * | 2005-03-25 | 2006-09-28 | Bluko Information Group | Method and system of advancing value from credit card account for use with stored value account |
US7588181B2 (en) | 2005-09-07 | 2009-09-15 | Ty Shipman | Method and apparatus for verifying the legitamacy of a financial instrument |
US20070067239A1 (en) * | 2005-09-19 | 2007-03-22 | Cashedge, Inc. | Method and Apparatus for Transferring Financial Information |
US7761353B1 (en) | 2005-12-07 | 2010-07-20 | Amazon Technologies, Inc. | Validating financial accounts |
US20070226138A1 (en) * | 2006-03-22 | 2007-09-27 | Adam Koltnow | Systems and methods for subscriber to payee cross pollination |
US7818264B2 (en) | 2006-06-19 | 2010-10-19 | Visa U.S.A. Inc. | Track data encryption |
US9318108B2 (en) | 2010-01-18 | 2016-04-19 | Apple Inc. | Intelligent automated assistant |
US20100223184A1 (en) * | 2006-10-11 | 2010-09-02 | Visa International Service Association | Sponsored Accounts For Computer-Implemented Payment System |
US10068220B2 (en) | 2006-10-11 | 2018-09-04 | Visa International Service Association | Systems and methods for brokered authentication express seller links |
CN101554005A (zh) | 2006-10-11 | 2009-10-07 | 国际签证服务协会 | 处理小额付款交易的方法和系统 |
US7810134B2 (en) | 2007-01-22 | 2010-10-05 | First Data Corporation | Authentication system for financial transactions |
US8108266B2 (en) * | 2007-01-29 | 2012-01-31 | Hewlett-Packard Development Company, L.P. | Methods for providing secure eCommerce transactions |
US20080288400A1 (en) * | 2007-04-27 | 2008-11-20 | Cashedge, Inc. | Centralized Payment Method and System for Online and Offline Transactions |
US8121942B2 (en) | 2007-06-25 | 2012-02-21 | Visa U.S.A. Inc. | Systems and methods for secure and transparent cardless transactions |
US8818905B2 (en) * | 2007-06-25 | 2014-08-26 | Total System Services, Inc. | System and method for encrypting interactive voice response application information |
US7739169B2 (en) * | 2007-06-25 | 2010-06-15 | Visa U.S.A. Inc. | Restricting access to compromised account information |
US20090076954A1 (en) * | 2007-09-14 | 2009-03-19 | Carmody Michael D | Method and system for settling financial transactions |
EP2947592B1 (en) | 2007-09-24 | 2021-10-27 | Apple Inc. | Embedded authentication systems in an electronic device |
US7827107B2 (en) | 2007-10-12 | 2010-11-02 | Visa International Service Association | Method and system for verifying use of a financial instrument |
US7519557B1 (en) | 2007-10-12 | 2009-04-14 | Visa International Service Association | Method and system for verifying use of a financial instrument |
US8255318B2 (en) * | 2007-10-18 | 2012-08-28 | First Data Corporation | Applicant authentication |
US8600120B2 (en) | 2008-01-03 | 2013-12-03 | Apple Inc. | Personal computing device control using face detection and recognition |
US7979894B2 (en) * | 2008-01-08 | 2011-07-12 | First Data Corporation | Electronic verification service systems and methods |
US8220035B1 (en) | 2008-02-29 | 2012-07-10 | Adobe Systems Incorporated | System and method for trusted embedded user interface for authentication |
US8353016B1 (en) | 2008-02-29 | 2013-01-08 | Adobe Systems Incorporated | Secure portable store for security skins and authentication information |
US8555078B2 (en) | 2008-02-29 | 2013-10-08 | Adobe Systems Incorporated | Relying party specifiable format for assertion provider token |
WO2009135225A1 (en) * | 2008-05-02 | 2009-11-05 | Cashedge, Inc. | Multi-product-multi-channel payment platform system and method |
US7734542B2 (en) * | 2008-06-24 | 2010-06-08 | Hsbc Technologies Inc. | Methods and systems for verifying customer supplied financial account information verification using debit and credit transactions |
US8195522B1 (en) | 2008-06-30 | 2012-06-05 | Amazon Technologies, Inc. | Assessing users who provide content |
US8666904B2 (en) * | 2008-08-20 | 2014-03-04 | Adobe Systems Incorporated | System and method for trusted embedded user interface for secure payments |
US8447669B2 (en) | 2008-08-26 | 2013-05-21 | Visa U.S.A. Inc. | System and method for implementing financial assistance programs |
AU2009311303B2 (en) * | 2008-11-06 | 2015-09-10 | Visa International Service Association | Online challenge-response |
US7827108B2 (en) * | 2008-11-21 | 2010-11-02 | Visa U.S.A. Inc. | System and method of validating a relationship between a user and a user account at a financial institution |
US20100191622A1 (en) * | 2009-01-28 | 2010-07-29 | Zvi Reiss | Distributed Transaction layer |
US20110106674A1 (en) * | 2009-10-29 | 2011-05-05 | Jeffrey William Perlman | Optimizing Transaction Scenarios With Automated Decision Making |
US8280788B2 (en) | 2009-10-29 | 2012-10-02 | Visa International Service Association | Peer-to-peer and group financial management systems and methods |
US8676639B2 (en) | 2009-10-29 | 2014-03-18 | Visa International Service Association | System and method for promotion processing and authorization |
US20180060837A1 (en) * | 2009-12-08 | 2018-03-01 | Paypal, Inc. | Discount based self expediting approach for electronic funds transfers |
US9417906B2 (en) * | 2010-04-01 | 2016-08-16 | Red Hat, Inc. | Transaction participant registration with caveats |
AU2010100533B4 (en) * | 2010-04-02 | 2010-12-16 | Isx Ip Ltd | Method and system for verifying transactions |
US20120209677A1 (en) | 2010-10-20 | 2012-08-16 | Mehta Kaushal N | Person-2-person social network marketing apparatuses, methods and systems |
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 |
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 |
US10223691B2 (en) | 2011-02-22 | 2019-03-05 | Visa International Service Association | Universal electronic payment apparatuses, methods and systems |
US9773212B2 (en) | 2011-02-28 | 2017-09-26 | 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 |
WO2012155081A1 (en) | 2011-05-11 | 2012-11-15 | Visa International Service Association | Electronic receipt manager apparatuses, methods and systems |
WO2012161720A1 (en) | 2011-05-20 | 2012-11-29 | Primerevenue, Inc. | Supply chain finance system |
EP2715633A4 (en) | 2011-06-03 | 2014-12-17 | Visa Int Service Ass | APPARATUSES, METHODS, AND SYSTEMS FOR SELECTING VIRTUAL PORTFOLIO CARD |
US9355393B2 (en) | 2011-08-18 | 2016-05-31 | Visa International Service Association | Multi-directional wallet connector apparatuses, methods and systems |
US10121129B2 (en) | 2011-07-05 | 2018-11-06 | Visa International Service Association | Electronic wallet checkout platform 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 |
US10438176B2 (en) | 2011-07-17 | 2019-10-08 | Visa International Service Association | Multiple merchant payment processor platform apparatuses, methods and systems |
US10825001B2 (en) | 2011-08-18 | 2020-11-03 | Visa International Service Association | Multi-directional wallet connector 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 |
US10242358B2 (en) | 2011-08-18 | 2019-03-26 | Visa International Service Association | Remote decoupled application persistent state 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 |
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 |
US10223730B2 (en) | 2011-09-23 | 2019-03-05 | Visa International Service Association | E-wallet store injection search apparatuses, methods and systems |
US9002322B2 (en) | 2011-09-29 | 2015-04-07 | Apple Inc. | Authentication with secondary approver |
US8769624B2 (en) | 2011-09-29 | 2014-07-01 | Apple Inc. | Access control utilizing indirect authentication |
US9953378B2 (en) | 2012-04-27 | 2018-04-24 | Visa International Service Association | Social checkout widget generation and integration apparatuses, methods and systems |
US10096022B2 (en) | 2011-12-13 | 2018-10-09 | Visa International Service Association | Dynamic widget generator apparatuses, methods and systems |
US10223710B2 (en) | 2013-01-04 | 2019-03-05 | Visa International Service Association | Wearable intelligent vision device apparatuses, methods and systems |
US10026120B2 (en) * | 2012-01-06 | 2018-07-17 | Primerevenue, Inc. | Supply chain finance system |
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 |
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 |
US11961147B1 (en) * | 2012-04-15 | 2024-04-16 | K. Shane Cupp | Cards, devices, systems, and methods for financial management services |
WO2014025818A1 (en) | 2012-08-06 | 2014-02-13 | The Keitz Group LLC | Online stock payment system |
TWI609343B (zh) * | 2012-09-21 | 2017-12-21 | Mobile financial trading system and method | |
US8626659B1 (en) | 2012-09-28 | 2014-01-07 | Fiserv, Inc. | Facilitating presentation of content relating to a financial transaction |
WO2014078241A2 (en) | 2012-11-14 | 2014-05-22 | Jaffe Jonathan E | A system for merchant and non-merchant based transactions utilizing secure non-radiating communications while allowing for secure additional functionality |
US20140188728A1 (en) | 2012-12-31 | 2014-07-03 | Fiserv, Inc. | Systems and methods for performing financial transactions |
US9201919B2 (en) | 2013-05-07 | 2015-12-01 | Red Hat, Inc. | Bandwidth optimized two-phase commit protocol for distributed transactions |
WO2014197336A1 (en) | 2013-06-07 | 2014-12-11 | Apple Inc. | System and method for detecting errors in interactions with a voice-based digital assistant |
US10001817B2 (en) | 2013-09-03 | 2018-06-19 | Apple Inc. | User interface for manipulating user interface objects with magnetic properties |
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 |
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 |
US10181122B2 (en) * | 2013-10-31 | 2019-01-15 | Cellco Partnership | Mobile authentication for web payments using single sign on credentials |
US10135805B2 (en) | 2013-10-31 | 2018-11-20 | Cellco Partnership | Connected authentication device using mobile single sign on credentials |
US9628482B2 (en) | 2013-10-31 | 2017-04-18 | Cellco Partnership | Mobile based login via wireless credential transfer |
US20150134302A1 (en) | 2013-11-14 | 2015-05-14 | Jatin Chhugani | 3-dimensional digital garment creation from planar garment photographs |
US10366439B2 (en) | 2013-12-27 | 2019-07-30 | Ebay Inc. | Regional item reccomendations |
US20160132889A1 (en) * | 2014-03-01 | 2016-05-12 | Govindaraj Setlur | System and method for payer controlled payment processing system |
US10043185B2 (en) | 2014-05-29 | 2018-08-07 | Apple Inc. | User interface for payments |
US10313506B2 (en) | 2014-05-30 | 2019-06-04 | Apple Inc. | Wellness aggregator |
US9967401B2 (en) | 2014-05-30 | 2018-05-08 | Apple Inc. | User interface for phone call routing among devices |
US9904959B2 (en) * | 2014-06-09 | 2018-02-27 | Verifi, Inc. | Descriptor exchange |
CN104077616B (zh) * | 2014-07-02 | 2017-08-25 | 广州广电运通金融电子股份有限公司 | 自助终端吞卡处理方法和系统 |
US10332050B2 (en) | 2014-07-10 | 2019-06-25 | Bank Of America Corporation | Identifying personnel-staffing adjustments based on indoor positioning system detection of physical customer presence |
US10074130B2 (en) | 2014-07-10 | 2018-09-11 | Bank Of America Corporation | Generating customer alerts based on indoor positioning system detection of physical customer presence |
US10028081B2 (en) * | 2014-07-10 | 2018-07-17 | Bank Of America Corporation | User authentication |
US10108952B2 (en) | 2014-07-10 | 2018-10-23 | Bank Of America Corporation | Customer identification |
US10452253B2 (en) | 2014-08-15 | 2019-10-22 | Apple Inc. | Weather user interface |
US10339293B2 (en) | 2014-08-15 | 2019-07-02 | Apple Inc. | Authenticated device used to unlock another device |
CN115623117A (zh) | 2014-09-02 | 2023-01-17 | 苹果公司 | 电话用户界面 |
US10254948B2 (en) | 2014-09-02 | 2019-04-09 | Apple Inc. | Reduced-size user interfaces for dynamically updated application overviews |
WO2016036416A1 (en) | 2014-09-02 | 2016-03-10 | Apple Inc. | Button functionality |
WO2016036552A1 (en) | 2014-09-02 | 2016-03-10 | Apple Inc. | User interactions for a mapping application |
WO2016036603A1 (en) | 2014-09-02 | 2016-03-10 | Apple Inc. | Reduced size configuration interface |
CN112130720A (zh) | 2014-09-02 | 2020-12-25 | 苹果公司 | 多维对象重排 |
TWI676127B (zh) | 2014-09-02 | 2019-11-01 | 美商蘋果公司 | 關於電子郵件使用者介面之方法、系統、電子器件及電腦可讀儲存媒體 |
WO2016036510A1 (en) | 2014-09-02 | 2016-03-10 | Apple Inc. | Music user interface |
KR101901796B1 (ko) | 2014-09-02 | 2018-09-28 | 애플 인크. | 경고를 관리하기 위한 축소된 크기의 인터페이스 |
TWI753846B (zh) | 2014-09-02 | 2022-02-01 | 美商蘋果公司 | 用於電子訊息使用者介面之方法、系統、電子器件以及電腦可讀取媒體 |
US20160092956A1 (en) | 2014-09-30 | 2016-03-31 | Jonathan Su | Garment size mapping |
WO2016068871A1 (en) * | 2014-10-28 | 2016-05-06 | Total System Services, Inc. | Automated payment information update with vendors |
US9875468B2 (en) | 2014-11-26 | 2018-01-23 | Buy It Mobility Networks Inc. | Intelligent authentication process |
US10990965B2 (en) * | 2014-12-23 | 2021-04-27 | Visa International Service Association | Single sign-on using a secure authentication system |
US10185946B2 (en) | 2014-12-31 | 2019-01-22 | Fiserv, Inc. | Facilitating presentation of content relating to a financial transaction |
US20160224973A1 (en) | 2015-02-01 | 2016-08-04 | Apple Inc. | User interface for payments |
US11216468B2 (en) | 2015-02-08 | 2022-01-04 | Visa International Service Association | Converged merchant processing apparatuses, methods and systems |
CN106164967A (zh) * | 2015-02-09 | 2016-11-23 | 株式会社日立制作所 | 业务协作系统以及业务协作方法 |
US9574896B2 (en) | 2015-02-13 | 2017-02-21 | Apple Inc. | Navigation user interface |
US10466883B2 (en) | 2015-03-02 | 2019-11-05 | Apple Inc. | Screenreader user interface |
US10055121B2 (en) | 2015-03-07 | 2018-08-21 | Apple Inc. | Activity based thresholds and feedbacks |
US10216351B2 (en) | 2015-03-08 | 2019-02-26 | Apple Inc. | Device configuration user interface |
US9953324B2 (en) | 2015-03-19 | 2018-04-24 | International Business Machines Corporation | Multi-point authentication for payment transactions |
US9892396B2 (en) | 2015-03-19 | 2018-02-13 | International Business Machines Corporation | Multi-point authentication for payment transactions |
US20160275507A1 (en) | 2015-03-19 | 2016-09-22 | International Business Machines Corporation | Multi-point authentication for payment transactions |
US9721253B2 (en) | 2015-05-06 | 2017-08-01 | Forter Ltd. | Gating decision system and methods for determining whether to allow material implications to result from online activities |
US20160358133A1 (en) | 2015-06-05 | 2016-12-08 | Apple Inc. | User interface for loyalty accounts and private label accounts for a wearable device |
US9940637B2 (en) | 2015-06-05 | 2018-04-10 | Apple Inc. | User interface for loyalty accounts and private label accounts |
US9916075B2 (en) | 2015-06-05 | 2018-03-13 | Apple Inc. | Formatting content for a reduced-size user interface |
CN106302627B (zh) * | 2015-06-29 | 2020-01-03 | 阿里巴巴集团控股有限公司 | 一种业务变更方法和装置 |
US10380681B2 (en) * | 2015-09-08 | 2019-08-13 | Bank Of America Corporation | Real-time data processing |
US10417616B2 (en) * | 2015-09-08 | 2019-09-17 | Bank Of America Corporation | Real-time data processing |
CA3041572A1 (en) | 2015-10-23 | 2017-04-27 | Xivix Holdings Llc | System and method for authentication using a mobile device |
CN107306183B (zh) * | 2016-04-22 | 2021-12-21 | 索尼公司 | 客户端、服务端、方法和身份验证系统 |
DK179186B1 (en) | 2016-05-19 | 2018-01-15 | Apple Inc | REMOTE AUTHORIZATION TO CONTINUE WITH AN ACTION |
US10621581B2 (en) | 2016-06-11 | 2020-04-14 | Apple Inc. | User interface for transactions |
CN114693289A (zh) | 2016-06-11 | 2022-07-01 | 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 |
US10356101B2 (en) | 2016-08-16 | 2019-07-16 | Paypal, Inc. | Utilizing transport layer security (TLS) fingerprints to determine agents and operating systems |
US20180068313A1 (en) | 2016-09-06 | 2018-03-08 | Apple Inc. | User interfaces for stored-value accounts |
DK179471B1 (en) | 2016-09-23 | 2018-11-26 | 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 |
US10496808B2 (en) | 2016-10-25 | 2019-12-03 | Apple Inc. | User interface for managing access to credentials for use in an operation |
US20180130035A1 (en) * | 2016-11-09 | 2018-05-10 | Ca, Inc. | Advanced cash reservation system in atms |
US11625699B1 (en) * | 2016-12-27 | 2023-04-11 | Wells Fargo Bank, N.A. | Adaptive daily withdrawal limits for smart chip ATM transactions |
CN107220891A (zh) * | 2017-05-26 | 2017-09-29 | 广东钱联钱网资产管理有限公司 | 一种基于金融仓储的资产监管及风险控制模式 |
SG11201913444XA (en) * | 2017-07-03 | 2020-01-30 | Gp Network Asia Pte Ltd | Processing payments |
KR102185854B1 (ko) | 2017-09-09 | 2020-12-02 | 애플 인크. | 생체측정 인증의 구현 |
EP4156129A1 (en) | 2017-09-09 | 2023-03-29 | Apple Inc. | Implementation of biometric enrollment |
CN107689002B (zh) * | 2017-09-11 | 2021-11-12 | 卓米私人有限公司 | 提现请求的审核方法、装置、电子设备及存储介质 |
US11416863B2 (en) * | 2018-04-11 | 2022-08-16 | Wells Fargo Bank, N.A. | System and methods for assessing risk of fraud in an electronic transaction |
US11170085B2 (en) | 2018-06-03 | 2021-11-09 | Apple Inc. | Implementation of biometric authentication |
CN108875688B (zh) * | 2018-06-28 | 2022-06-10 | 北京旷视科技有限公司 | 一种活体检测方法、装置、系统及存储介质 |
US11100349B2 (en) | 2018-09-28 | 2021-08-24 | Apple Inc. | Audio assisted enrollment |
US10860096B2 (en) | 2018-09-28 | 2020-12-08 | Apple Inc. | Device control using gaze information |
US11328352B2 (en) | 2019-03-24 | 2022-05-10 | Apple Inc. | User interfaces for managing an account |
US11477609B2 (en) | 2019-06-01 | 2022-10-18 | Apple Inc. | User interfaces for location-related communications |
US11481094B2 (en) | 2019-06-01 | 2022-10-25 | Apple Inc. | User interfaces for location-related communications |
EP3864600A1 (en) * | 2019-06-10 | 2021-08-18 | Fastforward Labs Ltd | Payment encryption system |
US11169830B2 (en) | 2019-09-29 | 2021-11-09 | Apple Inc. | Account management user interfaces |
EP4034979B1 (en) | 2019-09-29 | 2024-01-03 | Apple Inc. | Account management user interfaces |
CN110839217B (zh) * | 2019-10-24 | 2022-03-11 | 深圳市梦网科技发展有限公司 | 一种移动终端的寻址方法、装置、服务器及介质 |
DK180985B1 (da) | 2020-04-10 | 2022-09-02 | Apple Inc | Brugergrænseflader for muliggørelse af en aktivitet |
US11121989B1 (en) | 2020-05-29 | 2021-09-14 | Bank Of America Corporation | Centralized repository and communication system for cross-network interactions |
US11816194B2 (en) | 2020-06-21 | 2023-11-14 | Apple Inc. | User interfaces for managing secure operations |
CN111950995A (zh) * | 2020-07-31 | 2020-11-17 | 单中妹 | 一种基于区块链的交易权限管制系统及其方法 |
EP4264460A1 (en) | 2021-01-25 | 2023-10-25 | Apple Inc. | Implementation of biometric authentication |
CN113487431A (zh) * | 2021-07-05 | 2021-10-08 | 中国工商银行股份有限公司 | 集中式触发身份甄别的方法及装置 |
US20240346474A1 (en) * | 2023-04-11 | 2024-10-17 | Visa International Service Association | Interoperable System, Method, and Computer Program Product for Dispensing Funds |
Family Cites Families (65)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US77837A (en) * | 1868-05-12 | Charles t | ||
CA966226A (en) * | 1969-11-26 | 1975-04-15 | Kenneth M. Goldberg | Credit card verifier |
US3852571A (en) * | 1970-05-18 | 1974-12-03 | Hempstead Bank | System of transferral of funds |
BE787377A (fr) * | 1971-08-09 | 1973-02-09 | Waterbury Nelson J | Cartes de securite et systeme d'utilisation de telles cartes |
FR2469760A1 (fr) * | 1979-11-09 | 1981-05-22 | Cii Honeywell Bull | Procede et systeme d'identification de personnes demandant l'acces a certains milieux |
GB8522427D0 (en) | 1985-09-10 | 1985-10-16 | Plessey Co Plc | Credit transaction arrangments |
JPS63305458A (ja) | 1987-06-08 | 1988-12-13 | Omron Tateisi Electronics Co | 決済端末装置 |
US4893330A (en) | 1989-06-01 | 1990-01-09 | American Telephone And Telegraph Company, At&T Bell Laboratories | Method and apparatus for restricting credit card communication calls |
US5265008A (en) | 1989-11-02 | 1993-11-23 | Moneyfax, Inc. | Method of and system for electronic funds transfer via facsimile with image processing verification |
US5237159A (en) * | 1991-07-17 | 1993-08-17 | J. D. Carreker And Associates | Electronic check presentment system |
CA2054836A1 (en) | 1991-08-14 | 1993-02-15 | William F. Gorog | Home financial transaction system |
US5416306A (en) * | 1993-08-16 | 1995-05-16 | Imahata; Takeo | Method for comparing and verifying security codes at point of sale |
KR100326646B1 (ko) | 1993-08-27 | 2002-07-31 | 제프리 에이. 노리스 | 폐루프금융거래방법및장치 |
JP3367675B2 (ja) * | 1993-12-16 | 2003-01-14 | オープン マーケット インコーポレイテッド | オープンネットワーク販売システム及び取引トランザクションのリアルタイムでの承認を行う方法 |
US5870456A (en) * | 1997-01-22 | 1999-02-09 | Telepay, Inc. | Automated interactive bill payment system using debit cards |
US5457305A (en) | 1994-03-31 | 1995-10-10 | Akel; William S. | Distributed on-line money access card transaction processing system |
AUPM616994A0 (en) | 1994-06-09 | 1994-07-07 | Reilly, Chris | Security system for eft using magnetic strip cards |
DE4425271A1 (de) | 1994-07-18 | 1996-01-25 | Sel Alcatel Ag | Verfahren und Geräteanordnung für einen gesicherten, anonymen Zahlungsverkehr |
US5679938A (en) * | 1994-12-02 | 1997-10-21 | Telecheck International, Inc. | Methods and systems for interactive check authorizations |
US5708422A (en) * | 1995-05-31 | 1998-01-13 | At&T | Transaction authorization and alert system |
US5684291A (en) | 1995-06-01 | 1997-11-04 | American Express Trs | Refundable prepaid telephone card |
US5594225A (en) * | 1995-06-07 | 1997-01-14 | Botvin; Arthur D. | Methods and systems for conducting financial transactions via facsimile |
WO1997010560A1 (en) | 1995-09-14 | 1997-03-20 | Cybermark, L.L.C. | Stored value transaction system and method using anonymous account numbers |
US5907801A (en) * | 1995-09-22 | 1999-05-25 | At&T Wireless Services, Inc. | Apparatus and method for optimizing wireless financial transactions |
KR100348172B1 (ko) * | 1995-10-06 | 2002-09-18 | 윌리엄 에스. 아켈 | 분산형온라인입출금카드거래처리시스템 |
US6212556B1 (en) * | 1995-11-13 | 2001-04-03 | Webxchange, Inc. | Configurable value-added network (VAN) switching |
US5778178A (en) * | 1995-11-13 | 1998-07-07 | Arunachalam; Lakshmi | Method and apparatus for enabling real-time bi-directional transactions on a network |
NL1001659C2 (nl) * | 1995-11-15 | 1997-05-21 | Nederland Ptt | Werkwijze voor het afwaarderen van een elektronisch betaalmiddel. |
US5822737A (en) * | 1996-02-05 | 1998-10-13 | Ogram; Mark E. | Financial transaction system |
GB2328310B (en) * | 1996-05-15 | 1999-12-08 | Ho Keung Tse | Electronic transaction apparatus and method therefor |
US5793028A (en) * | 1996-06-24 | 1998-08-11 | Fred N. Gratzon | Electronic transaction security system |
US5770843A (en) * | 1996-07-02 | 1998-06-23 | Ncr Corporation | Access card for multiple accounts |
DE19628045A1 (de) | 1996-07-11 | 1998-01-22 | Esd Information Technology Ent | Verfahren und Anordnung zur Integration von Kunden/Händlern innerhalb bestehender Zahlungsstrukturen bei der Abwicklung des Zahlungsverkehrs über Netze |
DE19634418A1 (de) | 1996-08-26 | 1998-03-05 | Orga Consult Gmbh | Verfahren zur Sicherung der Datenübertragung im elektronischen Zahlungsverkehr |
US6029150A (en) * | 1996-10-04 | 2000-02-22 | Certco, Llc | Payment and transactions in electronic commerce system |
JPH10124604A (ja) * | 1996-10-25 | 1998-05-15 | N T T Data Tsushin Kk | 電子マネーシステム |
JPH10143556A (ja) * | 1996-11-11 | 1998-05-29 | U Card:Kk | 電子決済システムにおける利用者限定方法 |
US5974308A (en) * | 1996-11-13 | 1999-10-26 | Telefonaktiebolaget Lm Ericsson | Selective broadcasting of charge rates |
EP0848360A1 (en) | 1996-12-11 | 1998-06-17 | BRITISH TELECOMMUNICATIONS public limited company | Electronic funds transfer authentication system |
DE19718103A1 (de) * | 1997-04-29 | 1998-06-04 | Kim Schmitz | Verfahren zur Autorisierung in Datenübertragungssystemen |
AU8637198A (en) | 1997-08-05 | 1999-03-01 | British Telecommunications Public Limited Company | Providing a transaction record |
US6014650A (en) * | 1997-08-19 | 2000-01-11 | Zampese; David | Purchase management system and method |
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 |
US6226624B1 (en) * | 1997-10-24 | 2001-05-01 | Craig J. Watson | System and method for pre-authorization of individual account remote transactions |
AU4793797A (en) * | 1997-11-04 | 1999-05-24 | Mitsuo Chihara | Circulation management system |
US6052675A (en) * | 1998-04-21 | 2000-04-18 | At&T Corp. | Method and apparatus for preauthorizing credit card type transactions |
WO1999066436A1 (en) | 1998-06-19 | 1999-12-23 | Protx Limited | Verified payment system |
SG65768A1 (en) | 1998-07-02 | 2005-10-28 | Advent Television Ltd | An apparatus for conducting a secure electronic transaction |
DE19926472C2 (de) | 1999-06-10 | 2001-11-15 | Call A Bike Mobilitaetssysteme | Verfahren zum Übermitteln eines Codes |
DE10022973A1 (de) | 1999-06-15 | 2001-02-08 | Pan Amp Gmbh | Verfahren zur Abwicklung von Geldgeschäften über elektronische Übertragungsmedien |
US6980970B2 (en) | 1999-12-16 | 2005-12-27 | Debit.Net, Inc. | Secure networked transaction system |
US7778934B2 (en) * | 2000-04-17 | 2010-08-17 | Verisign, Inc. | Authenticated payment |
CA2412184C (en) * | 2000-07-10 | 2015-04-07 | Paypal, Inc. | System and method for verifying a financial instrument |
US6836765B1 (en) | 2000-08-30 | 2004-12-28 | Lester Sussman | System and method for secure and address verifiable electronic commerce transactions |
US7292996B2 (en) * | 2000-10-06 | 2007-11-06 | Openwave Systems Inc. | Method and apparatus for performing a credit based transaction between a user of a wireless communications device and a provider of a product or service |
AUPR193600A0 (en) | 2000-12-06 | 2001-01-04 | Globaltech Pty Ltd | System and method for third party facilitation of electronic payments over a network of computers |
US20020087469A1 (en) * | 2000-12-28 | 2002-07-04 | Ravi Ganesan | Technique of registration for and direction of electronic payments in real-time |
AU2005231323B2 (en) * | 2004-03-26 | 2011-03-31 | Ethicon Endo-Surgery, Inc | Systems and methods for treating obesity |
US7678135B2 (en) * | 2004-06-09 | 2010-03-16 | Usgi Medical, Inc. | Compressible tissue anchor assemblies |
US7780592B2 (en) * | 2004-10-29 | 2010-08-24 | Medtronic, Inc. | Distal portion of an endoscopic delivery system |
US20060253126A1 (en) * | 2005-05-04 | 2006-11-09 | Bernard Medical, Llc | Endoluminal suturing device and method |
US20060264982A1 (en) * | 2005-05-20 | 2006-11-23 | Viola Frank J | Gastric restrictor assembly and method of use |
US7666180B2 (en) * | 2005-05-20 | 2010-02-23 | Tyco Healthcare Group Lp | Gastric restrictor assembly and method of use |
JP5306786B2 (ja) | 2008-11-19 | 2013-10-02 | 住友重機械工業株式会社 | サーボ制御システム及び作業機械 |
-
2001
- 2001-07-10 CA CA2412184A patent/CA2412184C/en not_active Expired - Lifetime
- 2001-07-10 KR KR1020037000284A patent/KR100776458B1/ko active IP Right Grant
- 2001-07-10 AU AU7196801A patent/AU7196801A/xx active Pending
- 2001-07-10 US US09/901,954 patent/US7430537B2/en not_active Expired - Lifetime
- 2001-07-10 AU AU2001271968A patent/AU2001271968B2/en not_active Ceased
- 2001-07-10 DK DK01951030.4T patent/DK1356438T3/da active
- 2001-07-10 WO PCT/US2001/021725 patent/WO2002005224A2/en active Application Filing
- 2001-07-10 JP JP2002508754A patent/JP5005871B2/ja not_active Expired - Fee Related
- 2001-07-10 EP EP20100158849 patent/EP2209095A1/en not_active Withdrawn
- 2001-07-10 CA CA2878813A patent/CA2878813C/en not_active Expired - Lifetime
- 2001-07-10 ES ES01951030.4T patent/ES2485090T3/es not_active Expired - Lifetime
- 2001-07-10 EP EP01951030.4A patent/EP1356438B1/en not_active Expired - Lifetime
-
2008
- 2008-07-02 JP JP2008173992A patent/JP2008257747A/ja active Pending
- 2008-07-08 AU AU2008203005A patent/AU2008203005B2/en not_active Expired
- 2008-08-26 US US12/198,575 patent/US8296204B2/en not_active Expired - Lifetime
-
2011
- 2011-11-08 US US13/291,412 patent/US8417637B2/en not_active Expired - Fee Related
- 2011-11-08 US US13/291,398 patent/US8515871B2/en not_active Expired - Fee Related
- 2011-11-08 US US13/291,146 patent/US8370259B2/en not_active Expired - Lifetime
-
2012
- 2012-03-29 JP JP2012076621A patent/JP5430701B2/ja not_active Expired - Lifetime
-
2013
- 2013-01-30 JP JP2013015590A patent/JP5575935B2/ja not_active Expired - Lifetime
- 2013-08-12 US US13/965,017 patent/US20130332364A1/en not_active Abandoned
-
2014
- 2014-01-27 JP JP2014012042A patent/JP2014075157A/ja not_active Withdrawn
Also Published As
Similar Documents
Publication | Publication Date | Title |
---|---|---|
KR100776458B1 (ko) | 금융기구 확인 시스템 및 방법 | |
RU2699686C1 (ru) | Использование улучшенного токена аутентификации владельца карты | |
RU2438172C2 (ru) | Способ и система для осуществления двухфакторной аутентификации при транзакциях, связанных с заказами по почте и телефону | |
AU2001271968A1 (en) | System and method for verifying a financial instrument | |
US20060273155A1 (en) | System and method for on-line commerce operations | |
US20120323734A1 (en) | Online account authentication service | |
US20090327133A1 (en) | Secure mechanism and system for processing financial transactions | |
KR20060135726A (ko) | 전화 거래 및 컴퓨터 거래의 보안을 위한 시스템 및 방법 | |
WO2012116221A1 (en) | Demand deposit account payment system | |
JP2004533062A (ja) | セキュア・オンライン決済システム | |
US20200389450A1 (en) | Systems and methods for holistic digitized consumer identity and data | |
KR20040002928A (ko) | 소액지불 시스템 | |
KR100457399B1 (ko) | 클라이언트 결제 애플리케이션을 이용한 인터넷 기반 전자 상거래의 결제 서비스 제공 방법 | |
US20240354726A1 (en) | Payment services via application programming interface | |
CA2610649A1 (en) | Verifying user ownership of an account |
Legal Events
Date | Code | Title | Description |
---|---|---|---|
A201 | Request for examination | ||
E902 | Notification of reason for refusal | ||
E701 | Decision to grant or registration of patent right | ||
GRNT | Written decision to grant | ||
G170 | Re-publication after modification of scope of protection [patent] | ||
FPAY | Annual fee payment |
Payment date: 20121019 Year of fee payment: 6 |
|
FPAY | Annual fee payment |
Payment date: 20131017 Year of fee payment: 7 |
|
FPAY | Annual fee payment |
Payment date: 20141022 Year of fee payment: 8 |
|
FPAY | Annual fee payment |
Payment date: 20151016 Year of fee payment: 9 |
|
FPAY | Annual fee payment |
Payment date: 20161019 Year of fee payment: 10 |
|
FPAY | Annual fee payment |
Payment date: 20171018 Year of fee payment: 11 |
|
FPAY | Annual fee payment |
Payment date: 20181018 Year of fee payment: 12 |