SG11202010001QA - Electronic transaction system - Google Patents

Electronic transaction system

Info

Publication number
SG11202010001QA
SG11202010001QA SG11202010001QA SG11202010001QA SG11202010001QA SG 11202010001Q A SG11202010001Q A SG 11202010001QA SG 11202010001Q A SG11202010001Q A SG 11202010001QA SG 11202010001Q A SG11202010001Q A SG 11202010001QA SG 11202010001Q A SG11202010001Q A SG 11202010001QA
Authority
SG
Singapore
Prior art keywords
transaction system
electronic transaction
electronic
transaction
Prior art date
Application number
SG11202010001QA
Other languages
English (en)
Inventor
Onkar S Bahia
Jacques Antoine-Godet
Edward Cummins
Klaus Kroger
Original Assignee
Visa Europe 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 Visa Europe Ltd filed Critical Visa Europe Ltd
Publication of SG11202010001QA publication Critical patent/SG11202010001QA/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
    • G06Q20/08—Payment architectures
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems
    • 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
    • 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
    • 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
    • G06Q20/22—Payment schemes or models
    • G06Q20/223—Payment schemes or models based on the use of peer-to-peer networks
    • 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]
    • 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]
    • G06Q20/3221—Access to banking information 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
    • G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
    • 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
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
    • G06Q20/425—Confirmation, e.g. check or permission by the legal debtor of payment using two different networks, one for transaction and one for security confirmation
    • 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06V—IMAGE OR VIDEO RECOGNITION OR UNDERSTANDING
    • G06V40/00—Recognition of biometric, human-related or animal-related patterns in image or video data
    • G06V40/10—Human or animal bodies, e.g. vehicle occupants or pedestrians; Body parts, e.g. hands
    • G06V40/12—Fingerprints or palmprints
    • G06V40/1365—Matching; Classification

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Computer Security & Cryptography (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Technology Law (AREA)
  • Multimedia (AREA)
  • Human Computer Interaction (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
SG11202010001QA 2018-04-10 2019-04-05 Electronic transaction system SG11202010001QA (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
GBGB1805933.7A GB201805933D0 (en) 2018-04-10 2018-04-10 Electronic Transaction System
PCT/GB2019/051011 WO2019197808A1 (fr) 2018-04-10 2019-04-05 Système de transaction électronique

Publications (1)

Publication Number Publication Date
SG11202010001QA true SG11202010001QA (en) 2020-11-27

Family

ID=62202882

Family Applications (1)

Application Number Title Priority Date Filing Date
SG11202010001QA SG11202010001QA (en) 2018-04-10 2019-04-05 Electronic transaction system

Country Status (6)

Country Link
US (2) US11763307B2 (fr)
EP (1) EP3776417A1 (fr)
CN (1) CN111937021B (fr)
GB (1) GB201805933D0 (fr)
SG (1) SG11202010001QA (fr)
WO (1) WO2019197808A1 (fr)

Families Citing this family (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
GB2610839A (en) * 2021-09-16 2023-03-22 Encoded Ltd Securing card payment transactions made by telephone

Family Cites Families (40)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5662758A (en) * 1996-01-10 1997-09-02 The Procter & Gamble Company Composite material releasably sealable to a target surface when pressed thereagainst and method of making
US6567730B2 (en) * 1997-01-08 2003-05-20 Autonetworks Technologies, Ltd. Vehicle diagnosis system
US8346659B1 (en) * 2001-07-06 2013-01-01 Hossein Mohsenzadeh Secure authentication and payment system
US7360694B2 (en) * 2003-01-23 2008-04-22 Mastercard International Incorporated System and method for secure telephone and computer transactions using voice authentication
US20050075985A1 (en) * 2003-10-03 2005-04-07 Brian Cartmell Voice authenticated credit card purchase verification
MX2008012504A (es) * 2006-03-30 2009-05-05 Obopay Inc Sistema movil de pago de persona a persona.
US7512567B2 (en) * 2006-06-29 2009-03-31 Yt Acquisition Corporation Method and system for providing biometric authentication at a point-of-sale via a mobile device
US20080097851A1 (en) * 2006-10-17 2008-04-24 Vincent Bemmel Method of distributing information via mobile devices and enabling its use at a point of transaction
GB0621189D0 (en) * 2006-10-25 2006-12-06 Payfont Ltd Secure authentication and payment system
BRPI0922916A2 (pt) * 2008-12-10 2016-01-26 Moqom Ltd prevenção de fraude em transações eletrônicas
GB2466810A (en) * 2009-01-08 2010-07-14 Visa Europe Ltd Processing payment authorisation requests
EP2216742A1 (fr) 2009-02-09 2010-08-11 C. Patrick Reich Procédé de paiement mobile et dispositifs
US9715681B2 (en) * 2009-04-28 2017-07-25 Visa International Service Association Verification of portable consumer devices
US7891560B2 (en) * 2009-05-15 2011-02-22 Visa International Service Assocation Verification of portable consumer devices
US8429048B2 (en) * 2009-12-28 2013-04-23 Visa International Service Association System and method for processing payment transaction receipts
US8463705B2 (en) * 2010-02-28 2013-06-11 International Business Machines Corporation Systems and methods for transactions on the telecom web
US9245267B2 (en) * 2010-03-03 2016-01-26 Visa International Service Association Portable account number for consumer payment account
WO2012037479A1 (fr) * 2010-09-17 2012-03-22 Universal Secure Registry, Llc Appareil, système et procédé employant un dispositif d'utilisateur sans fil
US20130275308A1 (en) * 2010-11-29 2013-10-17 Mobay Technologies Limited System for verifying electronic transactions
US9467293B1 (en) * 2010-12-22 2016-10-11 Emc Corporation Generating authentication codes associated with devices
RU2011125337A (ru) * 2011-06-21 2013-01-27 Евгений Яковлевич Билюкин Способ осуществления электронной оплаты товара с применением средства мобильной связи
CN103116842B8 (zh) * 2011-09-09 2018-01-19 成都天钥科技有限公司 多因子多信道id认证和交易控制及多选项支付系统及方法
GB2508776A (en) * 2011-09-28 2014-06-11 Lionel Wolovitz Methods and apparatus for brokering a transaction
US20130124364A1 (en) * 2011-11-13 2013-05-16 Millind Mittal System and method of electronic payment using payee provided transaction identification codes
CN103136663A (zh) 2011-12-05 2013-06-05 上海博路信息技术有限公司 一种基于终端指纹识别的远程支付系统
US20130332359A1 (en) * 2012-02-22 2013-12-12 Maen Rajab QTEISHAT Electronic payment anti-fraudulent system through real-time phone based verification code
US20130297501A1 (en) * 2012-05-04 2013-11-07 Justin Monk System and method for local data conversion
US9027109B2 (en) * 2013-02-28 2015-05-05 Citibank, N.A. Methods and systems for accessing account information electronically
KR102193160B1 (ko) * 2013-09-25 2020-12-21 주식회사 비즈모델라인 거래 연동 인증코드 제공 방법
US9846878B2 (en) * 2014-01-14 2017-12-19 Visa International Service Association Payment account identifier system
GB2523358A (en) * 2014-02-21 2015-08-26 Domulas Ltd A system and method of processing a secure payment transaction
GB2533333A (en) * 2014-12-16 2016-06-22 Visa Europe Ltd Transaction authorisation
US20160224973A1 (en) 2015-02-01 2016-08-04 Apple Inc. User interface for payments
US20170011406A1 (en) * 2015-02-10 2017-01-12 NXT-ID, Inc. Sound-Directed or Behavior-Directed Method and System for Authenticating a User and Executing a Transaction
US20170032369A1 (en) * 2015-07-31 2017-02-02 Gemalto, Inc. Method, device and first server for authorizing a transaction
US10699268B2 (en) * 2015-12-30 2020-06-30 Thales Dis France Sa Method, server and system for authorizing a transaction
WO2017127875A1 (fr) * 2016-01-29 2017-08-03 Xard Group Pty Ltd Transfert de données cryptographiques
CN105809447A (zh) * 2016-03-30 2016-07-27 中国银联股份有限公司 基于人脸识别和hce的支付认证方法及认证系统
US10313321B2 (en) * 2016-04-07 2019-06-04 Visa International Service Association Tokenization of co-network accounts
KR20180006602A (ko) * 2016-07-08 2018-01-18 주식회사 비즈모델라인 무선장치를 이용한 앱 연동 기반 비동기식 역방향 결제 방법

Also Published As

Publication number Publication date
WO2019197808A1 (fr) 2019-10-17
GB201805933D0 (en) 2018-05-23
CN111937021B (zh) 2024-06-28
US11763307B2 (en) 2023-09-19
US20230376958A1 (en) 2023-11-23
EP3776417A1 (fr) 2021-02-17
CN111937021A (zh) 2020-11-13
US20210365953A1 (en) 2021-11-25

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