SG11202102793WA - System, method, and computer program product for secure, remote transaction authentication and settlement - Google Patents

System, method, and computer program product for secure, remote transaction authentication and settlement

Info

Publication number
SG11202102793WA
SG11202102793WA SG11202102793WA SG11202102793WA SG11202102793WA SG 11202102793W A SG11202102793W A SG 11202102793WA SG 11202102793W A SG11202102793W A SG 11202102793WA SG 11202102793W A SG11202102793W A SG 11202102793WA SG 11202102793W A SG11202102793W A SG 11202102793WA
Authority
SG
Singapore
Prior art keywords
settlement
secure
computer program
program product
transaction authentication
Prior art date
Application number
SG11202102793WA
Inventor
Sivanarayana Gaddam
Yogesh Lokhande
Rohit Sinha
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 SG11202102793WA publication Critical patent/SG11202102793WA/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
    • 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
    • G06Q20/3823—Payment protocols; Details thereof insuring higher security of transaction combining multiple encryption tools for a transaction
    • 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
    • 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
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
    • 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
    • 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
    • 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
    • G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
    • 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
SG11202102793WA 2018-09-28 2019-09-27 System, method, and computer program product for secure, remote transaction authentication and settlement SG11202102793WA (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US201862737972P 2018-09-28 2018-09-28
PCT/US2019/053370 WO2020069262A1 (en) 2018-09-28 2019-09-27 System, method, and computer program product for secure, remote transaction authentication and settlement

Publications (1)

Publication Number Publication Date
SG11202102793WA true SG11202102793WA (en) 2021-04-29

Family

ID=69949935

Family Applications (1)

Application Number Title Priority Date Filing Date
SG11202102793WA SG11202102793WA (en) 2018-09-28 2019-09-27 System, method, and computer program product for secure, remote transaction authentication and settlement

Country Status (5)

Country Link
US (1) US20220114585A1 (en)
EP (1) EP3857486A4 (en)
CN (1) CN113015990A (en)
SG (1) SG11202102793WA (en)
WO (1) WO2020069262A1 (en)

Families Citing this family (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20240037556A1 (en) * 2022-07-28 2024-02-01 Mastercard International Incorporated Method and system for payment processing using distributed digitized surrogates

Family Cites Families (12)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6397198B1 (en) * 1994-11-28 2002-05-28 Indivos Corporation Tokenless biometric electronic transactions using an audio signature to identify the transaction processor
US7349871B2 (en) * 2002-08-08 2008-03-25 Fujitsu Limited Methods for purchasing of goods and services
US8606638B2 (en) * 2009-03-02 2013-12-10 First Data Corporation Systems, methods and apparatus for facilitating transactions using a mobile device
US20110191253A1 (en) * 2009-04-17 2011-08-04 Geomonkey, Inc. Use of mobile devices for communicating sound-based virtual transaction data
US9400978B2 (en) * 2010-04-09 2016-07-26 Paypal, Inc. Methods and systems for selecting accounts and offers in payment transactions
US20130185214A1 (en) * 2012-01-12 2013-07-18 Firethorn Mobile Inc. System and Method For Secure Offline Payment Transactions Using A Portable Computing Device
WO2013114248A1 (en) * 2012-01-31 2013-08-08 Fundamo (Pty) Ltd Near sound communication payment system
US20140101043A1 (en) 2012-10-08 2014-04-10 Bank Of America Corporation Sound-Based Payment Transactions
SG10201702966XA (en) * 2012-10-16 2017-05-30 Riavera Corp Mobile image payment system using sound-based codes
US20140244514A1 (en) * 2013-02-26 2014-08-28 Digimarc Corporation Methods and arrangements for smartphone payments and transactions
KR101707614B1 (en) * 2015-09-04 2017-02-27 주식회사 인포소닉 Method and system for providing mobile payment service using sonic signal
KR102195222B1 (en) * 2016-03-01 2020-12-24 구글 엘엘씨 Direct settlement of hands-free transactions

Also Published As

Publication number Publication date
US20220114585A1 (en) 2022-04-14
CN113015990A (en) 2021-06-22
EP3857486A1 (en) 2021-08-04
EP3857486A4 (en) 2021-12-22
WO2020069262A1 (en) 2020-04-02

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