SG11201900409VA - Systems and methods for use in facilitating transactions - Google Patents

Systems and methods for use in facilitating transactions

Info

Publication number
SG11201900409VA
SG11201900409VA SG11201900409VA SG11201900409VA SG11201900409VA SG 11201900409V A SG11201900409V A SG 11201900409VA SG 11201900409V A SG11201900409V A SG 11201900409VA SG 11201900409V A SG11201900409V A SG 11201900409VA SG 11201900409V A SG11201900409V A SG 11201900409VA
Authority
SG
Singapore
Prior art keywords
international
transaction
consumer
payment account
pct
Prior art date
Application number
SG11201900409VA
Inventor
Manoneet Kohli
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
Publication of SG11201900409VA publication Critical patent/SG11201900409VA/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
    • 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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]
    • G06Q30/0613—Third-party assisted
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F2221/00—Indexing scheme relating to security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F2221/21—Indexing scheme relating to G06F21/00 and subgroups addressing additional information or applications relating to security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F2221/2133—Verifying human interaction, e.g., Captcha

Abstract

INTERNATIONAL APPLICATION PUBLISHED UNDER THE PATENT COOPERATION TREATY (PCT) (19) World Intellectual Property 1111111111111 0 1111111111111111310 11111111111111111111101011110 11111111111 0111111 Organization International Bureau (10) International Publication Number (43) International Publication Date ......0\" WO 2018/034829 Al 22 February 2018 (22.02.2018) WIP0 I PCT (51) International Patent Classification: (72) Inventor: KOHLI, Manoneet; 11 Lake Street, Apt. 4A, G06Q 20/40 (2012.01) G06Q 30/06 (2012.01) White Plains, NY 10603 (US). (21) International Application Number: (74) Agent: DOBBYN, Colm, J.; Mastercard International In- PCT/US2017/044606 corporated, 2000 Purchase Street, Purchase, NY 10577 (22) International Filing Date: (US). 31 July 2017 (31.07.2017) (81) Designated States (unless otherwise indicated, for every (25) Filing Language: English kind of national protection available): AE, AG, AL, AM, AO, AT, AU, AZ, BA, BB, BG, BH, BN, BR, BW, BY, BZ, (26) Publication Language: English CA, CH, CL, CN, CO, CR, CU, CZ, DE, DJ, DK, DM, DO, (30) Priority Data: DZ, EC, EE, EG, ES, FI, GB, GD, GE, GH, GM, GT, HN, 15/239,385 17 August 2016 (17.08.2016) US HR, HU, ID, IL, IN, IR, IS, JO, JP, KE, KG, KH, KN, KP, KR, KW, KZ, LA, LC, LK, LR, LS, LU, LY, MA, MD, ME, (71) Applicant: MASTERCARD INTERNATIONAL IN- MG, MK, MN, MW, MX, MY, MZ, NA, NG, NI, NO, NZ, CORPORATED [US/US]; 2000 Purchase Street, Pur- OM, PA, PE, PG, PH, PL, PT, QA, RO, RS, RU, RW, SA, chase, NY 10577 (US). SC, SD, SE, SG, SK, SL, SM, ST, SV, SY, TH, TJ, TM, TN, TR, TT, TZ, UA, UG, US, UZ, VC, VN, ZA, ZM, ZW. (54) Title: SYSTEMS AND METHODS FOR USE IN FACILITATING TRANSACTIONS ENGINE *------124 100 • • PAYMENT NETWORK ACQUIRER ISSUER 106 MPI 120 104 200 200 1 200 108 200 MERCHANT 102 NETWORK 200 200 110 122 118 116 11 4 FIG. 1 112 • ..... x, CONSUMER Il (57) : Systems and methods are provided for use in facilitating transactions associated with a payment account. One exemplary ON method includes receiving an authentication request message for a transaction to a payment account associated with a consumer, where ei of the payment account is associated with at least one authentication procedure requiring input from the consumer to authenticate the il• consumer in connection with the transaction and where the authentication request message includes at least one detail related to the C transaction. The method also includes accessing, by a computing device, a profile associated with the consumer and based at least in —. part on a prior transaction history of the payment account, and opting, by the computing device, the transaction out of the at least one WD authentication procedure when the at least one detail related to the transaction is consistent with the profile. 1-1 0 ei C [Continued on next page] WO 2018/034829 Al MIDEDIMOMOIDEIREIHNIMIEENCIONVOIS (84) Designated States (unless otherwise indicated, for every kind of regional protection available): ARIPO (BW, GH, GM, KE, LR, LS, MW, MZ, NA, RW, SD, SL, ST, SZ, TZ, UG, ZM, ZW), Eurasian (AM, AZ, BY, KG, KZ, RU, TJ, TM), European (AL, AT, BE, BG, CH, CY, CZ, DE, DK, EE, ES, FI, FR, GB, GR, HR, HU, IE, IS, IT, LT, LU, LV, MC, MK, MT, NL, NO, PL, PT, RO, RS, SE, SI, SK, SM, TR), OAPI (BF, BJ, CF, CG, CI, CM, GA, GN, GQ, GW, KM, ML, MR, NE, SN, TD, TG). Published: — with international search report (Art. 21(3))
SG11201900409VA 2016-08-17 2017-07-31 Systems and methods for use in facilitating transactions SG11201900409VA (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US15/239,385 US10558975B2 (en) 2016-08-17 2016-08-17 Systems and methods for use in facilitating transactions
PCT/US2017/044606 WO2018034829A1 (en) 2016-08-17 2017-07-31 Systems and methods for use in facilitating transactions

Publications (1)

Publication Number Publication Date
SG11201900409VA true SG11201900409VA (en) 2019-03-28

Family

ID=59582029

Family Applications (1)

Application Number Title Priority Date Filing Date
SG11201900409VA SG11201900409VA (en) 2016-08-17 2017-07-31 Systems and methods for use in facilitating transactions

Country Status (5)

Country Link
US (1) US10558975B2 (en)
EP (1) EP3500994A1 (en)
CN (1) CN109564664B (en)
SG (1) SG11201900409VA (en)
WO (1) WO2018034829A1 (en)

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US11853920B2 (en) * 2018-10-31 2023-12-26 Jpmorgan Chase Bank, N.A. Methods and systems for implementing hierarchy of rule-based security authentication modes
US11880842B2 (en) * 2018-12-17 2024-01-23 Mastercard International Incorporated United states system and methods for dynamically determined contextual, user-defined, and adaptive authentication
US20210073803A1 (en) * 2019-09-05 2021-03-11 SOURCE Ltd. System and method for validating monetary transactions
RU2762527C1 (en) * 2020-08-24 2021-12-21 Акционерное общество "Лаборатория Касперского" System and method for controlling operations during user's interaction with remote services
CN112579572B (en) * 2020-12-18 2022-12-13 建信金融科技有限责任公司 Associated account maintenance method and device and electronic equipment
US20220292505A1 (en) * 2021-03-12 2022-09-15 Capital One Services, Llc Eliminating Transactions from Connected Accounts from False Answer Choices in Transaction Questions

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US6070141A (en) 1995-05-08 2000-05-30 Image Data, Llc System and method of assessing the quality of an identification transaction using an identificaion quality score
US7376629B1 (en) 2000-04-03 2008-05-20 Incogno Corporation Method of and system for effecting anonymous credit card purchases over the internet
WO2001097134A1 (en) 2000-06-07 2001-12-20 Telecheck Services, Inc. Online machine data collection and archiving process
US20090132347A1 (en) 2003-08-12 2009-05-21 Russell Wayne Anderson Systems And Methods For Aggregating And Utilizing Retail Transaction Records At The Customer Level
US20140019352A1 (en) 2011-02-22 2014-01-16 Visa International Service Association Multi-purpose virtual card transaction apparatuses, methods and systems
JP2009512018A (en) 2005-10-06 2009-03-19 シー・サム，インコーポレイテッド Transaction service
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US20110178846A1 (en) 2010-01-20 2011-07-21 American Express Travel Related Services Company, Inc. System and method for using spend level data to match a population of consumers to merchants
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Also Published As

Publication number Publication date
EP3500994A1 (en) 2019-06-26
WO2018034829A1 (en) 2018-02-22
US10558975B2 (en) 2020-02-11
CN109564664B (en) 2023-08-04
CN109564664A (en) 2019-04-02
US20180053185A1 (en) 2018-02-22

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