SG10201908563TA - Token service provider for electronic/mobile commerce transactions - Google Patents

Token service provider for electronic/mobile commerce transactions

Info

Publication number
SG10201908563TA
SG10201908563TA SG10201908563TA SG10201908563TA SG 10201908563T A SG10201908563T A SG 10201908563TA SG 10201908563T A SG10201908563T A SG 10201908563TA SG 10201908563T A SG10201908563T A SG 10201908563TA
Authority
SG
Singapore
Prior art keywords
electronic
identifier
service provider
commerce transactions
mobile commerce
Prior art date
Application number
Inventor
Nitin Prabhu
Dinesh Gomes
Ian Povey
Original Assignee
Paypal 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
Priority claimed from US14/984,210 external-priority patent/US11308483B2/en
Priority claimed from US15/211,657 external-priority patent/US11308485B2/en
Application filed by Paypal Inc filed Critical Paypal Inc
Publication of SG10201908563TA publication Critical patent/SG10201908563TA/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
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3821—Electronic credentials
    • 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • 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
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • G06Q20/3678—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes e-cash details, e.g. blinded, divisible or detecting double spending
    • 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
    • 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
    • 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
    • H04L63/10—Network architectures or network communication protocols for network security for controlling access to devices or network resources
    • H04L63/102—Entity profiles
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W12/00—Security arrangements; Authentication; Protecting privacy or anonymity
    • H04W12/06—Authentication
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W12/00—Security arrangements; Authentication; Protecting privacy or anonymity
    • H04W12/06—Authentication
    • H04W12/068—Authentication using credential vaults, e.g. password manager applications or one time password [OTP] applications

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Computer Security & Cryptography (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • Signal Processing (AREA)
  • Computer Hardware Design (AREA)
  • Computing Systems (AREA)
  • General Engineering & Computer Science (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

TOKEN SERVICE PROVIDER FOR ELECTRONIC/MOBILE COMMERCE TRANSACTIONS In some embodiments, a verification system includes a memory storing a common identifier that identifies a user. The system may also include one or more hardware processors coupled to the memory and configured to read instructions from the memory to perform the steps of: receiving a token associated with a request to complete a transaction with an environment; determining the common identifier associated with the token, the common identifier being associated with an identifier of the merchant, an identifier of the user requesting the transaction, and a funding instrument associated with the user; and determining, based on information associated with the common identifier, whether to approve the transaction. (Fig. 1)  
SG10201908563T 2015-08-25 2016-08-25 Token service provider for electronic/mobile commerce transactions SG10201908563TA (en)

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
US201562209714P 2015-08-25 2015-08-25
US201562242023P 2015-10-15 2015-10-15
US14/984,210 US11308483B2 (en) 2015-08-25 2015-12-30 Token service provider for electronic/mobile commerce transactions
US15/211,657 US11308485B2 (en) 2016-07-15 2016-07-15 Processing a transaction using electronic tokens

Publications (1)

Publication Number Publication Date
SG10201908563TA true SG10201908563TA (en) 2019-11-28

Family

ID=58100910

Family Applications (1)

Application Number Title Priority Date Filing Date
SG10201908563T SG10201908563TA (en) 2015-08-25 2016-08-25 Token service provider for electronic/mobile commerce transactions

Country Status (6)

Country Link
US (1) US20220076252A1 (en)
EP (1) EP3341904B1 (en)
CN (1) CN108352013A (en)
AU (1) AU2016310500A1 (en)
SG (1) SG10201908563TA (en)
WO (1) WO2017035399A1 (en)

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US20100114768A1 (en) 2008-10-31 2010-05-06 Wachovia Corporation Payment vehicle with on and off function
US10867298B1 (en) 2008-10-31 2020-12-15 Wells Fargo Bank, N.A. Payment vehicle with on and off function
US11429975B1 (en) 2015-03-27 2022-08-30 Wells Fargo Bank, N.A. Token management system
US11170364B1 (en) 2015-07-31 2021-11-09 Wells Fargo Bank, N.A. Connected payment card systems and methods
US11308483B2 (en) 2015-08-25 2022-04-19 Paypal, Inc. Token service provider for electronic/mobile commerce transactions
US11308485B2 (en) 2016-07-15 2022-04-19 Paypal, Inc. Processing a transaction using electronic tokens
US11429971B1 (en) * 2016-06-03 2022-08-30 Jpmorgan Chase Bank, N.A. Systems, methods, and devices for integrating a first party service into a second party computer application
US11935020B1 (en) 2016-07-01 2024-03-19 Wells Fargo Bank, N.A. Control tower for prospective transactions
US11615402B1 (en) 2016-07-01 2023-03-28 Wells Fargo Bank, N.A. Access control tower
US11386223B1 (en) 2016-07-01 2022-07-12 Wells Fargo Bank, N.A. Access control tower
US11886611B1 (en) 2016-07-01 2024-01-30 Wells Fargo Bank, N.A. Control tower for virtual rewards currency
US10992679B1 (en) 2016-07-01 2021-04-27 Wells Fargo Bank, N.A. Access control tower
US11556936B1 (en) 2017-04-25 2023-01-17 Wells Fargo Bank, N.A. System and method for card control
US11062388B1 (en) 2017-07-06 2021-07-13 Wells Fargo Bank, N.A Data control tower
US11151547B2 (en) 2017-09-20 2021-10-19 Paypal, Inc. Using a consumer digital wallet as a payment method in a merchant digital wallet
US11855971B2 (en) * 2018-01-11 2023-12-26 Visa International Service Association Offline authorization of interactions and controlled tasks
SG11202102201QA (en) * 2018-09-20 2021-04-29 Visa Int Service Ass Digital ticket system and method
EP3660767A1 (en) * 2018-11-28 2020-06-03 Mastercard International Incorporated Improvements relating to security and authentication of interaction data
CN110012455B (en) * 2019-01-25 2021-10-22 创新先进技术有限公司 Account information management method and device and electronic equipment
US10992606B1 (en) 2020-09-04 2021-04-27 Wells Fargo Bank, N.A. Synchronous interfacing with unaffiliated networked systems to alter functionality of sets of electronic assets
US11546338B1 (en) 2021-01-05 2023-01-03 Wells Fargo Bank, N.A. Digital account controls portal and protocols for federated and non-federated systems and devices
CN113657876A (en) * 2021-08-19 2021-11-16 中国银行股份有限公司 Public welfare rescue platform and method
WO2024039635A2 (en) * 2022-08-15 2024-02-22 Abercrombie & Fitch Trading Co. Share-to-pay e-commerce solution

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EP1077436A3 (en) * 1999-08-19 2005-06-22 Citicorp Development Center, Inc. System and method for performing an on-line transaction using a single-use payment instrument
US20080148235A1 (en) * 2006-12-15 2008-06-19 Microsoft Corporation Runtime inspection of user interfaces
US8793497B2 (en) * 2008-05-09 2014-07-29 Qualcomm Incorporated Puzzle-based authentication between a token and verifiers
US8224727B2 (en) * 2009-05-27 2012-07-17 Boku, Inc. Systems and methods to process transactions based on social networking
US10037526B2 (en) 2010-01-08 2018-07-31 Blackhawk Network, Inc. System for payment via electronic wallet
US10304051B2 (en) 2010-04-09 2019-05-28 Paypal, Inc. NFC mobile wallet processing systems and methods
US9818111B2 (en) * 2011-04-15 2017-11-14 Shift4 Corporation Merchant-based token sharing
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US20130212007A1 (en) * 2012-02-10 2013-08-15 Protegrity Corporation Tokenization in payment environments
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Also Published As

Publication number Publication date
WO2017035399A1 (en) 2017-03-02
EP3341904B1 (en) 2023-10-25
CN108352013A (en) 2018-07-31
EP3341904A1 (en) 2018-07-04
EP3341904A4 (en) 2019-04-24
AU2016310500A1 (en) 2018-04-19
US20220076252A1 (en) 2022-03-10

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