SG10201801990PA - One-time password processing systems and methods - Google Patents

One-time password processing systems and methods

Info

Publication number
SG10201801990PA
SG10201801990PA SG10201801990PA SG10201801990PA SG 10201801990P A SG10201801990P A SG 10201801990PA SG 10201801990P A SG10201801990P A SG 10201801990PA SG 10201801990P A SG10201801990P A SG 10201801990PA
Authority
SG
Singapore
Prior art keywords
time password
user
transaction
payment card
indication
Prior art date
Application number
Inventor
Goyal Ashish
Singh Kumawat Jaipal
Kaur Komalpreet
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 SG10201801990P priority Critical patent/SG10201801990PA/en
Priority to PCT/US2019/018697 priority patent/WO2019173048A1/en
Priority to US16/287,352 priority patent/US20190279211A1/en
Publication of SG10201801990PA publication Critical patent/SG10201801990PA/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
    • G06Q20/407—Cancellation 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
    • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
    • 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
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
    • H04L63/083—Network architectures or network communication protocols for network security for authentication of entities using passwords
    • H04L63/0838—Network architectures or network communication protocols for network security for authentication of entities using passwords using one-time-passwords
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
    • H04L9/32—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
    • H04L9/3215—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials using a plurality of channels
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
    • H04L9/32—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
    • H04L9/3226—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials using a predetermined code, e.g. password, passphrase or PIN
    • H04L9/3228—One-time or temporary data, i.e. information which is sent for every authentication or authorization, e.g. one-time-password, one-time-token or one-time-key

Abstract

ONE-TIME PASSWORD PROCESSING SYSTEMS AND METHODS A data processing system for authenticating a user with a one-time password is disclosed. The data processing system comprises: a computer processor and a data storage device, the data storage device storing instructions operative by the processor to: receive a transaction authorization request for a transaction, the transaction authorization request comprising a payment card identifier indicating a payment card associated the transaction; look up contact information for a user associated with the payment card using the payment card identifier; generate a one-time password indication, the one-time password indication comprising a one­ time password; send the one-time password indication to the user using the contact information for the user; receive an anomalous one-time password alert indication from the user; and generate a transaction authorization response blocking the transaction. [Figure to print with the abstract: Fig. ] 15
SG10201801990P 2018-03-09 2018-03-09 One-time password processing systems and methods SG10201801990PA (en)

Priority Applications (3)

Application Number Priority Date Filing Date Title
SG10201801990P SG10201801990PA (en) 2018-03-09 2018-03-09 One-time password processing systems and methods
PCT/US2019/018697 WO2019173048A1 (en) 2018-03-09 2019-02-20 One-time password processing systems and methods
US16/287,352 US20190279211A1 (en) 2018-03-09 2019-02-27 One-time password processing systems and methods

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
SG10201801990P SG10201801990PA (en) 2018-03-09 2018-03-09 One-time password processing systems and methods

Publications (1)

Publication Number Publication Date
SG10201801990PA true SG10201801990PA (en) 2019-10-30

Family

ID=67842706

Family Applications (1)

Application Number Title Priority Date Filing Date
SG10201801990P SG10201801990PA (en) 2018-03-09 2018-03-09 One-time password processing systems and methods

Country Status (3)

Country Link
US (1) US20190279211A1 (en)
SG (1) SG10201801990PA (en)
WO (1) WO2019173048A1 (en)

Families Citing this family (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US11244525B2 (en) 2020-03-02 2022-02-08 International Business Machines Corporation Authentication security
WO2021226335A1 (en) * 2020-05-08 2021-11-11 Aldelo, LP Virtual gift cards with instant delivery and secured remote redemption
US20230196375A1 (en) * 2021-12-17 2023-06-22 Bank Of America Corporation Multi-Factor User Authentication

Family Cites Families (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2002032692A (en) * 2000-07-17 2002-01-31 Pioneer Electronic Corp Method for providing information service
US9665868B2 (en) * 2010-05-10 2017-05-30 Ca, Inc. One-time use password systems and methods
JP6556043B2 (en) * 2015-12-09 2019-08-07 花王株式会社 Manufacturing method and manufacturing apparatus of sheet fusion body
WO2017104288A1 (en) * 2015-12-14 2017-06-22 株式会社エヌティーアイ Settlement system, user terminal and method executed therein, settlement device and method executed therein, and program

Also Published As

Publication number Publication date
US20190279211A1 (en) 2019-09-12
WO2019173048A1 (en) 2019-09-12

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