SG11202008525SA - Digital access code - Google Patents

Digital access code

Info

Publication number
SG11202008525SA
SG11202008525SA SG11202008525SA SG11202008525SA SG11202008525SA SG 11202008525S A SG11202008525S A SG 11202008525SA SG 11202008525S A SG11202008525S A SG 11202008525SA SG 11202008525S A SG11202008525S A SG 11202008525SA SG 11202008525S A SG11202008525S A SG 11202008525SA
Authority
SG
Singapore
Prior art keywords
access code
digital access
digital
code
access
Prior art date
Application number
SG11202008525SA
Inventor
Penny Jurss
Rowena Mccallister
Bradford Crouch
Suresh Kalakrishnan
Original Assignee
Visa Int Service Ass
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 Visa Int Service Ass filed Critical Visa Int Service Ass
Publication of SG11202008525SA publication Critical patent/SG11202008525SA/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
    • G06Q20/409—Device specific authentication in transaction processing
    • G06Q20/4097—Device specific authentication in transaction processing using mutual authentication between devices and transaction partners
    • G06Q20/40975—Device specific authentication in transaction processing using mutual authentication between devices and transaction partners using encryption therefor
    • 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
    • G06Q20/326—Payment applications installed on the mobile 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
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/108—Remote banking, e.g. home banking
    • G06Q20/1085—Remote banking, e.g. home banking involving automatic teller machines [ATMs]
    • 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]
    • G06Q20/3223—Realising banking transactions through 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
    • G06Q20/322—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
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3226—Use of secure elements separate from 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
    • G06Q20/38—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
    • G06Q20/38—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]
SG11202008525SA 2018-03-12 2019-03-12 Digital access code SG11202008525SA (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US201862641928P 2018-03-12 2018-03-12
PCT/US2019/021818 WO2019178075A1 (en) 2018-03-12 2019-03-12 Digital access code

Publications (1)

Publication Number Publication Date
SG11202008525SA true SG11202008525SA (en) 2020-10-29

Family

ID=67908094

Family Applications (1)

Application Number Title Priority Date Filing Date
SG11202008525SA SG11202008525SA (en) 2018-03-12 2019-03-12 Digital access code

Country Status (4)

Country Link
US (2) US11631085B2 (en)
CN (1) CN111886618B (en)
SG (1) SG11202008525SA (en)
WO (1) WO2019178075A1 (en)

Families Citing this family (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US11296862B2 (en) * 2019-08-29 2022-04-05 Visa International Service Association Provisioning method and system with message conversion
US11836699B1 (en) * 2019-10-17 2023-12-05 Wells Fargo Bank, N.A. Systems and methods for continuous availability of account information
US20210297404A1 (en) * 2020-03-20 2021-09-23 Avaya Management L.P. Methods and systems of enabling user authentication validation
US11650974B2 (en) * 2020-07-01 2023-05-16 Sap Se Cross-system process control framework
US20220166769A1 (en) * 2020-11-25 2022-05-26 Samsung Electronics Co., Ltd. Electronic device for verifying a user's identity
US11709924B2 (en) 2021-07-07 2023-07-25 Capital One Services, Llc Secure authentication

Family Cites Families (22)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CA2201994A1 (en) * 1997-04-07 1998-10-07 Singh Sikand Parminder Telecommunication systems control
US8639629B1 (en) * 2005-02-02 2014-01-28 Nexus Payments, LLC System and method for accessing an online user account registry via a thin-client unique user code
US7849014B2 (en) * 2007-08-29 2010-12-07 American Express Travel Related Services Company, Inc. System and method for facilitating a financial transaction with a dynamically generated identifier
US8179847B2 (en) * 2008-05-13 2012-05-15 At&T Mobility Ii Llc Interactive white list prompting to share content and services associated with a femtocell
US9886693B2 (en) 2009-03-30 2018-02-06 Yuh-Shen Song Privacy protected anti identity theft and payment network
WO2011028840A2 (en) * 2009-09-02 2011-03-10 Visa International Service Association Portable consumer device with funds transfer processing
CA2704864A1 (en) * 2010-06-07 2010-08-16 S. Bhinder Mundip Method and system for controlling access to a monetary valued account
US10339519B2 (en) * 2010-11-29 2019-07-02 Ncr Corporation Visual access token
US20120265694A1 (en) * 2011-04-12 2012-10-18 Teletech Holdings, Inc. One-touch platform for product registration and support
US20130073467A1 (en) * 2011-09-16 2013-03-21 Verizon Patent And Licensing Inc. Method and system for conducting financial transactions using mobile devices
AU2014232707A1 (en) * 2013-03-15 2015-11-05 Visa International Service Association Snap mobile security apparatuses, methods and systems
US9313200B2 (en) * 2013-05-13 2016-04-12 Hoyos Labs Ip, Ltd. System and method for determining liveness
US9100392B2 (en) 2013-09-20 2015-08-04 Verizon Patent And Licensing Inc. Method and apparatus for providing user authentication and identification based on a one-time password
AU2014256396B2 (en) * 2013-11-15 2020-08-20 Fidelity Information Services, Llc Systems and methods for real-time account access
CA2936985A1 (en) * 2014-02-04 2015-08-13 Visa International Service Association Token verification using limited use certificates
US9536240B2 (en) * 2014-07-21 2017-01-03 Paypal, Inc. Secure cardless cash withdrawal
SG10201508945YA (en) * 2015-10-29 2017-05-30 Mastercard International Inc Method and system for cardless use of an automated teller machine (atm)
US10535047B1 (en) * 2015-11-19 2020-01-14 Wells Fargo Bank N.A. Systems and methods for financial operations performed at a contactless ATM
CN109716374B (en) * 2016-09-04 2023-12-29 万事达卡国际公司 Method and system for card-less ATM transactions via mobile device
US10380567B2 (en) * 2016-09-30 2019-08-13 Capital One Services, Llc Systems and methods for providing cash redemption to a third party
US20220383325A1 (en) * 2016-12-05 2022-12-01 Ned Hoffman System and Method for Web-Based Payments
US11074561B2 (en) * 2017-06-28 2021-07-27 Fiserv, Inc. Systems and methods for mobile device-enabled cardless cash withdrawals

Also Published As

Publication number Publication date
WO2019178075A1 (en) 2019-09-19
US11631085B2 (en) 2023-04-18
CN111886618A (en) 2020-11-03
CN111886618B (en) 2024-01-02
US20210049614A1 (en) 2021-02-18
US20230196377A1 (en) 2023-06-22

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