WO2014055279A1 - Système d'authentification - Google Patents

Système d'authentification Download PDF

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Publication number
WO2014055279A1
WO2014055279A1 PCT/US2013/061245 US2013061245W WO2014055279A1 WO 2014055279 A1 WO2014055279 A1 WO 2014055279A1 US 2013061245 W US2013061245 W US 2013061245W WO 2014055279 A1 WO2014055279 A1 WO 2014055279A1
Authority
WO
WIPO (PCT)
Prior art keywords
transaction
communication device
user
electronic communication
information
Prior art date
Application number
PCT/US2013/061245
Other languages
English (en)
Inventor
Herbert W. Spencer, Iii
Christopher M. CANFIELD
Harlan HUTSON
Vince CONROY
Steven A. HICKERSON
Original Assignee
Acuity Systems, 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 Acuity Systems, Inc. filed Critical Acuity Systems, Inc.
Priority to US14/432,542 priority Critical patent/US20150278805A1/en
Publication of WO2014055279A1 publication Critical patent/WO2014055279A1/fr
Priority to US17/658,505 priority patent/US20220300596A1/en

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
    • G06F21/31—User authentication
    • G06F21/42—User authentication using separate channels for security data
    • 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
    • G06Q20/10—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
    • G06Q20/08—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
    • G06Q20/30—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]
    • G06Q20/3227—Aspects of commerce using mobile devices [M-devices] using secure elements embedded in 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
    • G06Q20/3274—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
    • 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
    • G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
    • 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
    • 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
    • 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
    • G06Q20/3827—Use of message hashing
    • 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]

Definitions

  • the hardware profile and user information are salted and hashed before transfer to any external device.
  • the salting and hashing can be by individual items or in groups of items.
  • the first electronic communication device comprises a visual display, wherein the visual display is read with the second electronic communication device.
  • the present invention is also directed to a system for allowing a transaction by a user comprising a processor, memory, and a connection for receiving information for processing by the processor.
  • the memory stores the stored user information and the stored hardware profile.
  • the processor is programmed to receive through the connection the received user information and the received hardware profile, compare the received user information and the received hardware profile against the stored hardware profile wherein the received hardware profile and the stored hardware profile are different by at least 0.02%, and execute the transaction if the received hardware profile and the stored hardware profile match by at least 60% and the received user information and the stored user information match by at least 30%.
  • the hardware profile comprising user generated data stored on the device, determining if the received electronic data, user information and hardware profile are authentic, and if authentic, permitting the user to perform the transaction with the first electronic communication device.
  • the present invention is also directed to a system for performing a transaction for a user using a first electronic communication device to perform the transaction comprising a processor, memory, and a connection for receiving information executable by the processor.
  • the memory stores electronic data.
  • the processor is programmed to receive through the connection information from the first electronic communication device, transmit through the connection the stored electronic data to the user, receive through the connection from the second electronic communication device at least part of the transmitted electronic data, user information associated with the second communication device, and hardware profile of the second communication device, and determine if the received electronic data, user information and hardware profile are authentic, and if authentic, permitting the user to perform the transaction with the first electronic communication device.
  • a system and method for a user to complete an Automated Teller Machine (ATM) transaction using an electronic communication device is also disclosed.
  • the electronic communication device can be a smartphone, tablet, or other similar device.
  • FIG. 1 shows a diagram of a system for creating a combined electronic
  • FIG. 4A shows a diagram of a system and method for performing a transaction with a computer and a smartphone from both the user side and the server side;
  • FIG. 4B shows a version of the invention for performing a transaction with a computer and a smartphone from both the user side and the server side;
  • Hardware profile means data that is generated by a user with regard to a hardware device and at least some data specifically associated with and created by the user. As examples, it can be information relating to installed applications, portions of the user's contacts, applications added by the user, music added by the user, and the like.
  • FIG. 3A and 3B an embodiment of the present invention, depicting a method of allowing a transaction by a user utilizing a stored electronic
  • the percent differences between user hardware profiles are computed using the Levenshtein Distance equation, which defines the distance between two strings i 3 ⁇ 4 ⁇ is given by ⁇ ' «,6 ( I ⁇ ⁇ : ⁇ ) where:
  • the transaction is allowed to proceed only if the received hardware profile and the stored hardware profile match by at least 40%.
  • the transaction is allowed to proceed only if the received hardware profile and the stored hardware profile match by at least 50%. In another version the transaction is allowed to proceed only if the received hardware profile and the stored hardware profile are different by at least 1%.
  • a method of performing a transaction for a user using a first electronic communication device 400 to perform the transaction comprises the steps of receiving information from the first electronic communication device 400, transmitting electronic data to the user, receiving from a second electronic communication device 402 of the user at least part of the transmitted electronic data, user information 204 associated with the second electronic communication device 402, and a hardware profile 208 of the second electronic communication device 402, the hardware profile comprising user generated data stored on the second electronic communication device 402, and determining if the received electronic data, user information 204 and hardware profile 208 are authentic, and if authentic, permitting the user to perform the transaction with the first electronic communication device 400.
  • the processor is programmed to send through the connection to the first electronic communication device 400 a response regarding whether or not to perform the transaction.
  • a system and method of using a first and second electronic communication device to complete a transaction is disclosed.
  • the first electronic communication device can be a desktop, laptop computer or other similar device
  • the second electronic device can be a smartphone, tablet, or other similar device.
  • the second electronic communication device sends the transaction data, a hardware profile, and a user information profile to an authentication server, wherein the user information profile and the hardware profile are associated with the second electronic communication device, the hardware profile comprising user generated data stored on the second electronic communication device.
  • the authentication server receives the received electronic data, the user
  • a system and method of completing a credit card transaction using an electronic communication device is also disclosed.
  • the electronic device can be a smartphone, tablet, or other similar device.
  • the credit card company could send a push notification to the user and ask the user to verify that the user is approving the transaction.
  • the credit card company could push to the vendor' s point of sale (POS) system, or similar software known in the art, a QR code (or other similar coded message known in the art such as a bar code) that the user scans with his smartphone.
  • POS point of sale
  • QR code or other similar coded message known in the art such as a bar code
  • the information is then sent to an authentication server that communicates with the credit card company. This would verify that the user is present for the transaction and approving the transaction.
  • the credit card company would then approve the release of funds up to the amount that has been established for the user;s credit card.
  • a push notification is sent to the smartphone requesting approval to open the account.
  • the form to enter wire transfer information is only opened on approval.
  • a request is made to read a QR code.
  • a confirmation of reading the QR code and the identification of the device is made and provided to the bank before releasing the funds.
  • Only the smartphone whose device characteristics are confirmed is allowed to read the QR code to complete the transaction.
  • the smartphone or computer are secured by a biometric security measure, which can include fingerprints, facial recognition, voice recognition, iris, vein, finger shapes, and other similar information.
  • the user reads the QR code with their previously authenticated authentication device (such as a smartphone, tablet, or other similar known device in the art).
  • the authentication device transmits the contents of the received QR code along with the information regarding a combined electronic identification to an authentication server.
  • the authentication server receives the encoded information and the combined electronic identification and analyzes the received encoded information and combined electronic identification to determine if the user has the necessary rights to access the secure website.
  • the server sends a response to the webserver which then grants or denies access to the website.
  • the response is displayed to the user on the computer either allowing or denying them access to the site.

Abstract

La présente invention se rapporte à un procédé adapté pour permettre à un utilisateur d'exécuter une transaction. Le procédé selon l'invention comprend les étapes consistant : à connecter un premier dispositif de communication électronique (400) à un module de réception de transaction ; à recevoir des données électroniques, du module de réception de transaction ; à afficher les données électroniques reçues sur le premier dispositif de communication électronique (400) ; et à transmettre, au moyen d'un second dispositif de communication électronique (402), les données électroniques reçues ainsi qu'un profil de matériel (208), et un profil de données d'utilisateur (204), à un serveur d'authentification (404). Le profil de données d'utilisateur (204) et le profil de matériel (404) sont associés au second dispositif de communication électronique (402) ; et le profil de matériel (208) comprend des données générées par un utilisateur, qui sont enregistrées sur le second dispositif de communication électronique (402). Enfin, si le serveur d'authentification (404) authentifie le profil de matériel (208), le profil de données d'utilisateur (206), et les données électroniques reçues, qui ont été transmis, le procédé selon l'invention comprend l'étape consistant à exécuter la transaction au moyen du premier dispositif de communication électronique (400).
PCT/US2013/061245 2012-03-16 2013-09-23 Système d'authentification WO2014055279A1 (fr)

Priority Applications (2)

Application Number Priority Date Filing Date Title
US14/432,542 US20150278805A1 (en) 2012-10-01 2013-09-23 Authentication system
US17/658,505 US20220300596A1 (en) 2012-03-16 2022-04-08 Authentication System

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
US201261708607P 2012-10-01 2012-10-01
US61/708,607 2012-10-01
US201261737557P 2012-12-14 2012-12-14
US61/737,557 2012-12-14

Related Child Applications (3)

Application Number Title Priority Date Filing Date
US14/385,742 Continuation US10503888B2 (en) 2012-03-16 2013-03-15 Authentication system
PCT/US2013/032040 Continuation WO2013138714A1 (fr) 2012-03-16 2013-03-15 Système d'authentification
US14/432,542 A-371-Of-International US20150278805A1 (en) 2012-10-01 2013-09-23 Authentication system

Publications (1)

Publication Number Publication Date
WO2014055279A1 true WO2014055279A1 (fr) 2014-04-10

Family

ID=50435328

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2013/061245 WO2014055279A1 (fr) 2012-03-16 2013-09-23 Système d'authentification

Country Status (1)

Country Link
WO (1) WO2014055279A1 (fr)

Cited By (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2016109496A1 (fr) * 2014-12-30 2016-07-07 Vasco Data Security, Inc. Authentification d'utilisateur basée sur l'historique d'accès personnel
US9413757B1 (en) 2015-01-15 2016-08-09 International Business Machines Corporation Secure identity authentication in an electronic transaction
US9503452B1 (en) 2016-04-07 2016-11-22 Automiti Llc System and method for identity recognition and affiliation of a user in a service transaction
WO2017074281A1 (fr) 2015-10-27 2017-05-04 DOGAN, Mustafa Cemal Système et procédé d'authentification multidimensionnelle destinés à des transactions bancaires sans carte et autres transactions impliquant un haut niveau de sécurité
EP3149677A4 (fr) * 2014-06-02 2017-12-20 American Express Travel Related Services Company, Inc. Systèmes et procédés de fourniture de données de transactions à des dispositifs mobiles de communications
WO2018144788A1 (fr) * 2017-02-03 2018-08-09 Mastercard International Incorporated Transmission de données sensibles à partir d'un portefeuille numérique sur un dispositif utilisateur à un serveur désigné destiné à être utilisé par un processus d'application de carte de transaction
EP3658244A4 (fr) * 2017-07-22 2020-10-21 Niantic, Inc. Validation d'un emplacement d'un joueur dans le monde réel à l'aide d'une activité dans un jeu de réalité parallèle

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US20090024506A1 (en) * 2007-07-18 2009-01-22 Houri Marc Cellphone activated atm transactions
US20110238573A1 (en) * 2010-03-25 2011-09-29 Computer Associates Think, Inc. Cardless atm transaction method and system
US20120160912A1 (en) * 2010-12-23 2012-06-28 Kevin Laracey Mobile phone atm processing methods and systems
US20120173311A1 (en) * 2010-12-31 2012-07-05 Nautilus Hyosung Inc. Automatic teller machine for providing service using two-dimensional barcode and method for operating automatic teller machine
US20120203646A1 (en) * 2011-02-09 2012-08-09 American Express Travel Related Services Company, Inc. Systems and methods for facilitating secure transactions

Patent Citations (5)

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US20090024506A1 (en) * 2007-07-18 2009-01-22 Houri Marc Cellphone activated atm transactions
US20110238573A1 (en) * 2010-03-25 2011-09-29 Computer Associates Think, Inc. Cardless atm transaction method and system
US20120160912A1 (en) * 2010-12-23 2012-06-28 Kevin Laracey Mobile phone atm processing methods and systems
US20120173311A1 (en) * 2010-12-31 2012-07-05 Nautilus Hyosung Inc. Automatic teller machine for providing service using two-dimensional barcode and method for operating automatic teller machine
US20120203646A1 (en) * 2011-02-09 2012-08-09 American Express Travel Related Services Company, Inc. Systems and methods for facilitating secure transactions

Cited By (12)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP3149677A4 (fr) * 2014-06-02 2017-12-20 American Express Travel Related Services Company, Inc. Systèmes et procédés de fourniture de données de transactions à des dispositifs mobiles de communications
WO2016109496A1 (fr) * 2014-12-30 2016-07-07 Vasco Data Security, Inc. Authentification d'utilisateur basée sur l'historique d'accès personnel
US10063535B2 (en) 2014-12-30 2018-08-28 Onespan North America Inc. User authentication based on personal access history
US9413757B1 (en) 2015-01-15 2016-08-09 International Business Machines Corporation Secure identity authentication in an electronic transaction
US9600818B2 (en) 2015-01-15 2017-03-21 International Business Machines Corporation Secure identity authentication in an electronic transaction
US9715686B2 (en) 2015-01-15 2017-07-25 International Business Machines Corporation Secure identity authentication in an electronic transaction
US9892404B2 (en) 2015-01-15 2018-02-13 International Business Machines Corporation Secure identity authentication in an electronic transaction
WO2017074281A1 (fr) 2015-10-27 2017-05-04 DOGAN, Mustafa Cemal Système et procédé d'authentification multidimensionnelle destinés à des transactions bancaires sans carte et autres transactions impliquant un haut niveau de sécurité
US9503452B1 (en) 2016-04-07 2016-11-22 Automiti Llc System and method for identity recognition and affiliation of a user in a service transaction
WO2018144788A1 (fr) * 2017-02-03 2018-08-09 Mastercard International Incorporated Transmission de données sensibles à partir d'un portefeuille numérique sur un dispositif utilisateur à un serveur désigné destiné à être utilisé par un processus d'application de carte de transaction
EP3658244A4 (fr) * 2017-07-22 2020-10-21 Niantic, Inc. Validation d'un emplacement d'un joueur dans le monde réel à l'aide d'une activité dans un jeu de réalité parallèle
US11541315B2 (en) 2017-07-22 2023-01-03 Niantic, Inc. Validating a player's real-world location using activity within a parallel-reality game

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