SG10201914040YA - Proxy device for representing multiple credentials - Google Patents

Proxy device for representing multiple credentials

Info

Publication number
SG10201914040YA
SG10201914040YA SG10201914040YA SG10201914040YA SG10201914040YA SG 10201914040Y A SG10201914040Y A SG 10201914040YA SG 10201914040Y A SG10201914040Y A SG 10201914040YA SG 10201914040Y A SG10201914040Y A SG 10201914040YA SG 10201914040Y A SG10201914040Y A SG 10201914040YA
Authority
SG
Singapore
Prior art keywords
proxy device
representing multiple
multiple credentials
credentials
representing
Prior art date
Application number
SG10201914040YA
Inventor
Geoffrey Cairns
Kenneth Mages
Jan Drake
Daniel J Macdonald
Scott Charles Baisch
Alex Benjamin Engelberg
Paul Murray
Alan J Morgan
Original Assignee
Verrency Holdings 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 Verrency Holdings Ltd filed Critical Verrency Holdings Ltd
Publication of SG10201914040YA publication Critical patent/SG10201914040YA/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
    • G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing
    • 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
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
    • G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
    • G06K19/077—Constructional details, e.g. mounting of circuits in the carrier
    • G06K19/0772—Physical layout of the record carrier
    • G06K19/07722—Physical layout of the record carrier the record carrier being multilayered, e.g. laminated sheets
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102—Bill distribution or payments
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G06Q20/202—Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G06Q20/204—Point-of-sale [POS] network systems comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G06Q20/206—Point-of-sale [POS] network systems comprising security or operator identification provisions, e.g. password entry
    • 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
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3224—Transactions dependent on location of M-devices
    • 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
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3278—RFID or NFC payments by means of M-devices
    • 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
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • 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
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/352—Contactless payments by cards
    • 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
    • G06Q20/363—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user
    • 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
    • G06Q20/38215—Use of certificates or encrypted proofs of transaction rights
    • 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
    • G06Q20/405—Establishing or using transaction specific rules

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Computer Security & Cryptography (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Computer Hardware Design (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
SG10201914040YA 2015-09-10 2016-08-24 Proxy device for representing multiple credentials SG10201914040YA (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US201562283769P 2015-09-10 2015-09-10
US15/245,519 US10846700B2 (en) 2015-09-10 2016-08-24 Proxy device for representing multiple credentials

Publications (1)

Publication Number Publication Date
SG10201914040YA true SG10201914040YA (en) 2020-03-30

Family

ID=57396758

Family Applications (1)

Application Number Title Priority Date Filing Date
SG10201914040YA SG10201914040YA (en) 2015-09-10 2016-08-24 Proxy device for representing multiple credentials

Country Status (8)

Country Link
US (2) US10846700B2 (en)
AU (1) AU2016320581C1 (en)
BR (1) BR112018004896A2 (en)
CA (1) CA2998295A1 (en)
MX (1) MX2018003007A (en)
MY (1) MY201315A (en)
SG (1) SG10201914040YA (en)
WO (1) WO2017042629A1 (en)

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US9882713B1 (en) * 2013-01-30 2018-01-30 vIPtela Inc. Method and system for key generation, distribution and management
US10142254B1 (en) 2013-09-16 2018-11-27 Cisco Technology, Inc. Service chaining based on labels in control and forwarding
US9037491B1 (en) 2013-11-26 2015-05-19 Square, Inc. Card reader emulation for cardless transactions
US9467478B1 (en) 2013-12-18 2016-10-11 vIPtela Inc. Overlay management protocol for secure routing based on an overlay network
GB2542617B (en) * 2015-09-28 2020-06-24 Touchtech Payments Ltd Transaction authentication platform
US9980303B2 (en) 2015-12-18 2018-05-22 Cisco Technology, Inc. Establishing a private network using multi-uplink capable network devices
US10163107B1 (en) 2016-03-31 2018-12-25 Square, Inc. Technical fallback infrastructure
US11593773B1 (en) 2017-03-31 2023-02-28 Block, Inc. Payment transaction authentication system and method
US10755281B1 (en) 2017-03-31 2020-08-25 Square, Inc. Payment transaction authentication system and method
US12020235B2 (en) * 2017-04-28 2024-06-25 Block, Inc. Multi-source transaction processing
EP3416122A1 (en) * 2017-06-15 2018-12-19 IDEMIA France Mobile payment roaming
US10348726B2 (en) 2017-10-10 2019-07-09 Laurie Cal Llc Online identity verification platform and process
US20190385171A1 (en) * 2018-06-18 2019-12-19 Beautiful Card Corporation Proxy card for mobile payment
US10992665B2 (en) * 2018-10-31 2021-04-27 Rsa Security Llc User authentication using biometric representation of one-time passcodes
US20200143381A1 (en) * 2018-11-06 2020-05-07 Paypal, Inc. System and Method for Obtaining a Temporary CVV using Tokenization Rails
CN109348257B (en) * 2018-11-14 2021-02-26 广州虎牙信息科技有限公司 Pull stream control method and device and live broadcast system
US11095503B2 (en) * 2018-11-28 2021-08-17 Afero, Inc. System and method for pre-enrollment and network pre-configuration of internet of things (IoT) devices
TW202105282A (en) * 2019-03-27 2021-02-01 澳大利亞商速卡集團有限公司 Application locking and unlocking on a digital transaction processing unit
US10909525B1 (en) * 2019-11-27 2021-02-02 Square, Inc. Account actions based on interactions with NFC-enabled card
US11580554B2 (en) * 2019-12-27 2023-02-14 LendingClub Bank, National Association Multi-layered credit card with transaction-dependent source selection
WO2021146551A1 (en) * 2020-01-15 2021-07-22 Idemia Identity & Security USA LLC Converged payment credential
US20220020002A1 (en) * 2020-07-17 2022-01-20 Home Depot Product Authority, Llc Post payment processing tokenization in merchant payment processing

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US9251637B2 (en) 2006-11-15 2016-02-02 Bank Of America Corporation Method and apparatus for using at least a portion of a one-time password as a dynamic card verification value
WO2009039419A1 (en) * 2007-09-21 2009-03-26 Wireless Dynamics, Inc. Wireless smart card and integrated personal area network, near field communication and contactless payment system
US7922082B2 (en) 2008-01-04 2011-04-12 M2 International Ltd. Dynamic card validation value
US20100228640A1 (en) * 2009-03-03 2010-09-09 Anderson Andrew T Systems and Methods for Providing Responses to Requests from Users of an Entertainment System
US8763142B2 (en) * 2009-04-07 2014-06-24 Princeton Payment Solutions Tokenized payment processing schemes
US8615468B2 (en) 2010-01-27 2013-12-24 Ca, Inc. System and method for generating a dynamic card value
CA2821105A1 (en) * 2010-12-10 2012-06-14 Electronic Payment Exchange Tokenized contactless payments for mobile devices
US20120153028A1 (en) 2010-12-15 2012-06-21 Poznansky Amir Transaction Card with dynamic CVV
US8977569B2 (en) 2011-09-29 2015-03-10 Raj Rao System and method for providing smart electronic wallet and reconfigurable transaction card thereof
US11507950B2 (en) * 2012-07-31 2022-11-22 Worldpay, Llc Systems and methods for secure normative intermediation of payments processing peripherals
US20140279474A1 (en) * 2013-03-12 2014-09-18 Visa International Service Association Multi-purse one card transaction apparatuses, methods and systems
US20150254650A1 (en) * 2014-03-04 2015-09-10 Bank Of America Corporation Controlling token issuance based on exposure
WO2016046731A1 (en) * 2014-09-22 2016-03-31 CafeX Communications, Ltd. Automated customer assistance process for tokenized payment services
US10210490B2 (en) * 2015-02-13 2019-02-19 Sony Corporation Processing electronic monetary transactions using plurality of virtual currency instruments
US10552834B2 (en) * 2015-04-30 2020-02-04 Visa International Service Association Tokenization capable authentication framework

Also Published As

Publication number Publication date
AU2016320581C1 (en) 2022-08-18
US20170076291A1 (en) 2017-03-16
MY201315A (en) 2024-02-16
BR112018004896A2 (en) 2019-04-16
AU2016320581B2 (en) 2022-05-05
CA2998295A1 (en) 2017-03-16
MX2018003007A (en) 2018-11-09
AU2016320581A1 (en) 2018-03-29
US10846700B2 (en) 2020-11-24
US20210073821A1 (en) 2021-03-11
WO2017042629A1 (en) 2017-03-16

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