SG10201705849WA - Method and system for user authentication to facilitate secure transactions - Google Patents

Method and system for user authentication to facilitate secure transactions

Info

Publication number
SG10201705849WA
SG10201705849WA SG10201705849WA SG10201705849WA SG10201705849WA SG 10201705849W A SG10201705849W A SG 10201705849WA SG 10201705849W A SG10201705849W A SG 10201705849WA SG 10201705849W A SG10201705849W A SG 10201705849WA SG 10201705849W A SG10201705849W A SG 10201705849WA
Authority
SG
Singapore
Prior art keywords
user
account
authentication
secure transactions
facilitate secure
Prior art date
Application number
SG10201705849WA
Inventor
Singh Kumawat Jaipal
Mehrotra Vipul
Arora Hemant
Original Assignee
Mastercard International Inc
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 Mastercard International Inc filed Critical Mastercard International Inc
Priority to SG10201705849WA priority Critical patent/SG10201705849WA/en
Priority to US16/033,391 priority patent/US11972426B2/en
Publication of SG10201705849WA publication Critical patent/SG10201705849WA/en

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
    • 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
    • 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
    • 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
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M1/00—Substation equipment, e.g. for use by subscribers
    • H04M1/72—Mobile telephones; Cordless telephones, i.e. devices for establishing wireless links to base stations without route selection
    • H04M1/724—User interfaces specially adapted for cordless or mobile telephones
    • H04M1/72403—User interfaces specially adapted for cordless or mobile telephones with means for local support of applications that increase the functionality
    • 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
    • G06F2221/2103—Challenge-response
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2203/00—Aspects of automatic or semi-automatic exchanges
    • H04M2203/10—Aspects of automatic or semi-automatic exchanges related to the purpose or context of the telephonic communication
    • H04M2203/105—Financial transactions and auctions, e.g. bidding
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M3/00—Automatic or semi-automatic exchanges
    • H04M3/42—Systems providing special services or facilities to subscribers
    • H04M3/487—Arrangements for providing information services, e.g. recorded voice services or time announcements
    • H04M3/493—Interactive information services, e.g. directory enquiries ; Arrangements therefor, e.g. interactive voice response [IVR] systems or voice portals
    • H04M3/4936—Speech interaction details

Abstract

METHOD AND SYSTEM FOR USER AUTHENTICATION TO FACILITATE SECURE TRANSACTIONS A method for authenticating a user includes receiving an authorization request for a transaction from an account. A plurality of authentication questions each having a corresponding correct answer are associated with the account. A first set of authentication questions of the plurality of authentication questions is transmitted to a communication device by way of an interactive voice response (IVR) call. A first set of user-generated answers corresponding to the first set of authentication questions is received from the communication device. The method further includes determining whether the user is an account holder of the account based on at least the first set of user-generated answers. The transaction is processed based on the determination that the user is the account holder of the account, thereby authenticating the user. FIG. 34
SG10201705849WA 2017-07-17 2017-07-17 Method and system for user authentication to facilitate secure transactions SG10201705849WA (en)

Priority Applications (2)

Application Number Priority Date Filing Date Title
SG10201705849WA SG10201705849WA (en) 2017-07-17 2017-07-17 Method and system for user authentication to facilitate secure transactions
US16/033,391 US11972426B2 (en) 2017-07-17 2018-07-12 Method and system for user authentication to facilitate secure transactions

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
SG10201705849WA SG10201705849WA (en) 2017-07-17 2017-07-17 Method and system for user authentication to facilitate secure transactions

Publications (1)

Publication Number Publication Date
SG10201705849WA true SG10201705849WA (en) 2019-02-27

Family

ID=64998953

Family Applications (1)

Application Number Title Priority Date Filing Date
SG10201705849WA SG10201705849WA (en) 2017-07-17 2017-07-17 Method and system for user authentication to facilitate secure transactions

Country Status (1)

Country Link
SG (1) SG10201705849WA (en)

Also Published As

Publication number Publication date
US20190019192A1 (en) 2019-01-17

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