SG10201804886UA - System And Method For Processing A Digital Transaction - Google Patents

System And Method For Processing A Digital Transaction

Info

Publication number
SG10201804886UA
SG10201804886UA SG10201804886UA SG10201804886UA SG10201804886UA SG 10201804886U A SG10201804886U A SG 10201804886UA SG 10201804886U A SG10201804886U A SG 10201804886UA SG 10201804886U A SG10201804886U A SG 10201804886UA SG 10201804886U A SG10201804886U A SG 10201804886UA
Authority
SG
Singapore
Prior art keywords
user
information
sensor
authenticator
digital transaction
Prior art date
Application number
SG10201804886UA
Inventor
David Robert Wiseman
Stirling James Bookallil
Jane Elizabeth Adshead
Peter Joseph Mcelwaine-Johnn
Original Assignee
Accenture Global Solutions Ltd
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 Accenture Global Solutions Ltd filed Critical Accenture Global Solutions Ltd
Publication of SG10201804886UA publication Critical patent/SG10201804886UA/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
    • G06Q20/40145—Biometric identity checks
    • 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
    • G06Q20/02—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
    • G06Q20/38—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

Landscapes

  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Accounting & Taxation (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Finance (AREA)
  • Computer Hardware Design (AREA)
  • Software Systems (AREA)
  • General Engineering & Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)
  • Collating Specific Patterns (AREA)

Abstract

SYSTEM AND METHOD FOR PROCESSING A DIGITAL TRANSACTION A system for processing a digital transaction includes a user authenticator, a processor in communication with the user authenticator, and non-transitory computer readable media that stores instruction code. The user authenticator is configured to receive biometric data associated with a user from a sensor. The sensor corresponds to at least one of: an image sensor, a finger print sensor, a motion sensor, a user interaction pattern sensor, and an infrared image sensor. The user authenticator is further configured to receive user identifying information and to determine whether the biometric data associated with the user is associated with the user identifying information to thereby validate the user. If the user is validated, the user authenticator is configured to generate user credentials associated with the user. The instruction code is executed by the processor and causes the processor to receive, from a user terminal, the user credentials. If the user credentials are valid, the processor determines different categories of information required to process the digital transaction; determines one or more data source systems that store information related to the different categories of information and the user identifying information; aggregates, from one or more data source systems, the information associated with the user identifying information; and communicates the aggregated information to a processing system to thereby process the digital transaction. Fig. 1
SG10201804886UA 2017-07-05 2018-06-08 System And Method For Processing A Digital Transaction SG10201804886UA (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US201762528786P 2017-07-05 2017-07-05
US15/873,643 US11669839B2 (en) 2017-07-05 2018-01-17 System and method for processing a digital transaction

Publications (1)

Publication Number Publication Date
SG10201804886UA true SG10201804886UA (en) 2019-02-27

Family

ID=62909340

Family Applications (1)

Application Number Title Priority Date Filing Date
SG10201804886UA SG10201804886UA (en) 2017-07-05 2018-06-08 System And Method For Processing A Digital Transaction

Country Status (6)

Country Link
US (1) US11669839B2 (en)
EP (1) EP3425544B1 (en)
AU (1) AU2018204672B2 (en)
CA (1) CA3009247A1 (en)
ES (1) ES2929487T3 (en)
SG (1) SG10201804886UA (en)

Families Citing this family (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US11030302B2 (en) * 2018-04-12 2021-06-08 Webroot Inc. Restricting access to application programming interfaces (APIs)
US11797962B2 (en) 2019-06-10 2023-10-24 The Toronto-Dominion Bank Configuring data transfers based on electronic messages
CN112734440A (en) * 2021-01-21 2021-04-30 建信金融科技有限责任公司 Transaction authentication method and device, electronic equipment and computer-readable storage medium
CN113256420B (en) * 2021-05-27 2024-03-01 中国航空结算有限责任公司 Enterprise user identification method, device, equipment and medium in transaction

Family Cites Families (11)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US8145556B2 (en) 2000-04-10 2012-03-27 Tealdi Daniel A Online mortgage approval and settlement system and method therefor
US10248914B2 (en) * 2005-11-29 2019-04-02 The Boeing Company Sustaining a fleet of configuration-controlled assets
US20070185797A1 (en) * 2006-02-08 2007-08-09 Rodney Robinson System and method for aggregating financial data for loan processing
US20080091613A1 (en) * 2006-09-28 2008-04-17 Microsoft Corporation Rights management in a cloud
US7690032B1 (en) * 2009-05-22 2010-03-30 Daon Holdings Limited Method and system for confirming the identity of a user
AU2013362870A1 (en) 2012-12-21 2016-04-14 Invigor Group Ltd Computer implemented frameworks and methodologies for enabling identification verification in an online environment
US20150227937A1 (en) 2014-02-10 2015-08-13 Mastercard International Incorporated Random biometric authentication method and apparatus
EP3295388A1 (en) 2015-05-29 2018-03-21 Yoti Holding Limited Computer-implemented tracking mechanism and data management
US10776506B2 (en) * 2015-12-28 2020-09-15 Salesforce.Com, Inc. Self-monitoring time series database system that enforces usage policies
CN106447434A (en) 2016-09-14 2017-02-22 全联征信有限公司 Personal credit ecological platform
US20180338018A1 (en) * 2017-05-18 2018-11-22 Hcl Technologies Limited Hybrid middleware device for facilitating communication amongst devices operating on a distinct communication protocols

Also Published As

Publication number Publication date
EP3425544A1 (en) 2019-01-09
EP3425544B1 (en) 2022-08-03
US11669839B2 (en) 2023-06-06
AU2018204672B2 (en) 2022-11-17
ES2929487T3 (en) 2022-11-29
CA3009247A1 (en) 2019-01-05
US20190012674A1 (en) 2019-01-10
AU2018204672A1 (en) 2019-01-24

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