SG10201706013SA - Computer systems and computer-implemented methods for card-not-present transactions - Google Patents

Computer systems and computer-implemented methods for card-not-present transactions

Info

Publication number
SG10201706013SA
SG10201706013SA SG10201706013SA SG10201706013SA SG10201706013SA SG 10201706013S A SG10201706013S A SG 10201706013SA SG 10201706013S A SG10201706013S A SG 10201706013SA SG 10201706013S A SG10201706013S A SG 10201706013SA SG 10201706013S A SG10201706013S A SG 10201706013SA
Authority
SG
Singapore
Prior art keywords
card
computer
transaction
present
indication
Prior art date
Application number
SG10201706013SA
Inventor
Parekh Pravin
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 SG10201706013SA priority Critical patent/SG10201706013SA/en
Priority to US16/022,281 priority patent/US11093938B2/en
Publication of SG10201706013SA publication Critical patent/SG10201706013SA/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
    • G06Q20/388—Payment protocols; Details thereof using mutual authentication without cards, e.g. challenge-response
    • 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
    • G06Q20/4012—Verifying personal identification numbers [PIN]
    • 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
    • G06Q20/40145—Biometric identity checks
    • 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
    • G06Q20/405—Establishing or using transaction specific rules

Abstract

COMPUTER SYSTEMS AND COMPUTER-IMPLEMENTED METHODS FOR CARD- NOT-PRESENT TRANSACTIONS A server for processing a card-riot-present transaction is described. The server comprises at least a computer processor and a data storage device, the data storage device comprising instructions operative by the processor to: (i) receive a transaction authorisation request, where the transaction authorisation request comprises an indication of a payment card number and a delivery address used in the card-not-present transaction; (ii) retrieve, from a database, a registered address associated with the indication of the payment card number, the database being operatively connected to the server; (iii) compare the delivery address with the registered address; and (iv) generate a transaction authorisation response based on a result of the comparison, where the transaction authorisation response comprises an indication that the card-not-present transaction is to proceed if the delivery address matches the registered address. [Figure to print with the abstract: Fig. ] 26
SG10201706013SA 2017-07-24 2017-07-24 Computer systems and computer-implemented methods for card-not-present transactions SG10201706013SA (en)

Priority Applications (2)

Application Number Priority Date Filing Date Title
SG10201706013SA SG10201706013SA (en) 2017-07-24 2017-07-24 Computer systems and computer-implemented methods for card-not-present transactions
US16/022,281 US11093938B2 (en) 2017-07-24 2018-06-28 Computer systems and computer-implemented methods for card-not-present transactions

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
SG10201706013SA SG10201706013SA (en) 2017-07-24 2017-07-24 Computer systems and computer-implemented methods for card-not-present transactions

Publications (1)

Publication Number Publication Date
SG10201706013SA true SG10201706013SA (en) 2019-02-27

Family

ID=65022997

Family Applications (1)

Application Number Title Priority Date Filing Date
SG10201706013SA SG10201706013SA (en) 2017-07-24 2017-07-24 Computer systems and computer-implemented methods for card-not-present transactions

Country Status (2)

Country Link
US (1) US11093938B2 (en)
SG (1) SG10201706013SA (en)

Families Citing this family (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP3809352A1 (en) * 2019-10-18 2021-04-21 Mastercard International Incorporated Authentication for secure transactions in a multi-server environment

Family Cites Families (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6163771A (en) * 1997-08-28 2000-12-19 Walker Digital, Llc Method and device for generating a single-use financial account number
US20070174164A1 (en) * 2001-06-01 2007-07-26 American Express Travel Related Services Company, Inc. Network/Processor Fraud Scoring for Card Not Present Transactions
US7287689B2 (en) * 2003-12-09 2007-10-30 First Data Corporation Systems and methods for assessing the risk of a financial transaction using authenticating marks
US7849014B2 (en) * 2007-08-29 2010-12-07 American Express Travel Related Services Company, Inc. System and method for facilitating a financial transaction with a dynamically generated identifier
US20140279522A1 (en) * 2013-03-15 2014-09-18 Mastercard International Incorporated Means of authenticating a consumer using demand deposit account data

Also Published As

Publication number Publication date
US11093938B2 (en) 2021-08-17
US20190026735A1 (en) 2019-01-24

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