US20090307778A1 - Mobile User Identify And Risk/Fraud Model Service - Google Patents
Mobile User Identify And Risk/Fraud Model Service Download PDFInfo
- Publication number
- US20090307778A1 US20090307778A1 US12/332,775 US33277508A US2009307778A1 US 20090307778 A1 US20090307778 A1 US 20090307778A1 US 33277508 A US33277508 A US 33277508A US 2009307778 A1 US2009307778 A1 US 2009307778A1
- Authority
- US
- United States
- Prior art keywords
- user
- transaction
- fraud
- merchant
- client device
- Prior art date
- Legal status (The legal status 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 status listed.)
- Abandoned
Links
Images
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
- G06Q20/30—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
- G06Q20/08—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
- G06Q20/20—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
- G06Q20/08—Payment architectures
- G06Q20/20—Point-of-sale [POS] network systems
- G06Q20/204—Point-of-sale [POS] network systems comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
-
- 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
- G06Q20/326—Payment applications installed on the mobile devices
- G06Q20/3265—Payment applications installed on the mobile devices characterised by personalisation for use
-
- 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
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
- G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
-
- 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
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
- G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
- G06Q20/3674—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes involving authentication
-
- 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
-
- 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
- G06Q20/3829—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
-
- 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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07C—TIME OR ATTENDANCE REGISTERS; REGISTERING OR INDICATING THE WORKING OF MACHINES; GENERATING RANDOM NUMBERS; VOTING OR LOTTERY APPARATUS; ARRANGEMENTS, SYSTEMS OR APPARATUS FOR CHECKING NOT PROVIDED FOR ELSEWHERE
- G07C9/00—Individual registration on entry or exit
- G07C9/20—Individual registration on entry or exit involving the use of a pass
- G07C9/22—Individual registration on entry or exit involving the use of a pass in combination with an identity check of the pass holder
- G07C9/25—Individual registration on entry or exit involving the use of a pass in combination with an identity check of the pass holder using biometric data, e.g. fingerprints, iris scans or voice recognition
- G07C9/257—Individual registration on entry or exit involving the use of a pass in combination with an identity check of the pass holder using biometric data, e.g. fingerprints, iris scans or voice recognition electronically
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
- G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
- G07F7/0806—Details of the card
- G07F7/0813—Specific details related to card security
- G07F7/0826—Embedded security module
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L63/00—Network architectures or network communication protocols for network security
- H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
- H04L63/0823—Network architectures or network communication protocols for network security for authentication of entities using certificates
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L63/00—Network architectures or network communication protocols for network security
- H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
- H04L63/0861—Network architectures or network communication protocols for network security for authentication of entities using biometrical features, e.g. fingerprint, retina-scan
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
- H04L9/32—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
- H04L9/3226—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials using a predetermined code, e.g. password, passphrase or PIN
- H04L9/3231—Biological data, e.g. fingerprint, voice or retina
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04W—WIRELESS COMMUNICATION NETWORKS
- H04W12/00—Security arrangements; Authentication; Protecting privacy or anonymity
- H04W12/06—Authentication
- H04W12/069—Authentication using certificates or pre-shared keys
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04W—WIRELESS COMMUNICATION NETWORKS
- H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
- H04W4/80—Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L2209/00—Additional information or applications relating to cryptographic mechanisms or cryptographic arrangements for secret or secure communication H04L9/00
- H04L2209/56—Financial cryptography, e.g. electronic payment or e-cash
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L2209/00—Additional information or applications relating to cryptographic mechanisms or cryptographic arrangements for secret or secure communication H04L9/00
- H04L2209/80—Wireless
Definitions
- Embodiments of the present disclosure generally relate to financial transactions, and more particularly, to methods and systems for financial transactions conducted by a user that may be identified and evaluated in view of potential risk and/or fraud.
- NFC Near Field Communication
- MNOs Mobile Network Operators
- SP Service Providers
- NFC is a short-range high frequency wireless communication technology that enables the exchange of data between devices typically over about a 10 centimeter (or about 4 inches) distance, thus providing a fast, simple and secure way for a user to experience a range of contactless services with a mobile device.
- NFC mobile devices and other types of contactless devices such as radio frequency-enabled credit/debit cards, key fobs, etc. are experiencing rapid growth worldwide in various industries including transportation, retail, parking and other industries that will now accept NFC mobile payments and other types of contactless payments.
- wireless mobile devices that include an NFC device and a smart card, which may use an RFID for identification purposes, allow a person to securely make a simple transaction, such as purchasing a retail item.
- a consumer waves the wireless mobile NFC device on a reader to effect a monetary transfer, and a price of the item is deducted from a total amount that is available and stored on the smart card of the wireless mobile device.
- the amount of the item may be forwarded to a server that can identify the identification code of the particular RFID and then subsequently charge the person for the purchase of the retail item.
- POS point of sale
- GSMA Global System for Mobile communication Association
- MNO Mobile Network Operator
- the MNO provides a full range of mobile services to the Customer. Also, the MNO may provide UICC and NFC terminals plus Over the Air (OTA) transport mechanisms.
- OTA Over the Air
- SP Service Provider
- Examples of SPs include banks, credit card issuers as well as public transport companies, loyalty programs owners, etc.
- Retailer/Merchant the retailer/merchant may operate an NFC capable point of sales terminal.
- TSM Trusted Service Manager
- the TSM securely distributes and manages NFC applications and may have, for example, a direct relation or a relation via clearing houses to SPs.
- Reader Manufacturer the reader manufacturer makes NFC reader devices.
- Application Developer the application developer designs and develops mobile NFC applications.
- NFC requires cooperation between the different players of the GSMA ecosystem.
- Each player may have its own expectations, for example, the Customer expects convenient, friendly and secure services within a trusted environment; the SPs want their applications to be housed and used in as many mobile devices as possible; and the MNOs want to provide new mobile contactless services that are secure, high quality and consistent with the existing services experienced by the Customer. But although each player may have its own culture and expectations, they all have the same basic requirement—the need for security and confidentiality.
- the Trusted Service Manager brings trust and convenience to the complex, multi-player NFC ecosystem.
- the TSM role includes providing a single point of contact for the SPs, e.g., banks, to access their customer base through the MNOs, and to secure download and lifecycle management for mobile NFC applications on behalf of the SPs.
- the TSM does not disrupt the SP's business model as the TSM does not participate in the transaction stage of the service.
- SMS Short Message Service
- Mobile Internet-based payment Customers routinely search for and purchase products and services through electronic communications with online merchants over electronic networks such as the Internet. In this regard, individual customers may frequently engage in transactions with a variety of merchants through, for example, various merchant websites.
- a credit card may be used for making payments over the Internet.
- a disadvantage of credit card usage is that online merchants may be exposed to high fraud costs and “chargeback fees,” bearing liability because there is no credit card signature with an online sale.
- the types of payment transaction models described above may provide information that is limited to information on credit card, financial instrument, user name and password that flows through the system.
- a problem exists in these models because there is no identity, risk, or fraud information that may be obtained by, for example, Service Providers to evaluate the transaction.
- the Service Providers may only have visibility into transactions involving their own services, thus limiting meaningful evaluation of potentially risky and/or fraudulent transactions.
- a service may generate a transaction score and/or potential risk or fraud data for online, Near Field Communication (NFC), Bluetooth or other types of transactions.
- NFC Near Field Communication
- a method of evaluating transaction information in view of potential fraud and/or risk includes receiving transaction information at a remote location. The method also includes correlating the received transaction information with user data maintained at the remote location. The method further includes generating a score and/or risk or fraud data based on the correlating.
- a client device includes one or more processors and one or more memories adapted to store a plurality of machine-readable instructions.
- the machine-readable instructions When executed by the one or more processors, the machine-readable instructions are adapted to cause the client device to provide transaction information to a remote location, wherein the transaction information is associated with a user-merchant transaction, a user-user transaction, a merchant-user transaction and/or a merchant-merchant transaction; and provide a user identifier to the remote location wherein the remote location creates user data associated with the client device based on the user identifier so that the user data may be correlated with the transaction information thus allowing generation of potential fraud and/or risk data.
- a method of providing a fraud engine service includes maintaining a plurality of transaction records, the transaction records comprising transaction information associated with a plurality of transactions by a user. The method also includes receiving new transaction information wherein the new transaction information is associated with a new transaction by the user. The method also includes correlating the new transaction information with the maintained plurality of transaction records. The method further includes generating a score or potential fraud data based on the correlation.
- a fraud engine system includes a plurality of transaction records associated with users, the transaction records comprising transaction information associated with a plurality of user transactions.
- the fraud engine system also includes one or more processors and one or more memories adapted to store a plurality of machine-readable instructions. When executed by the one or more processors, the machine-readable instructions are adapted to cause the fraud engine system to: maintain the plurality of transaction records associated with users; receive new transaction information from a client device, wherein the new transaction information is associated with a new user transaction; correlate the new transaction information with the maintained plurality of transaction records; generate a score or potential fraud data based on the correlation; and offer the generated score or potential fraud data to subscribers in view of identifying and preventing fraud.
- FIG. 1 illustrates a payment system according to an embodiment of the present disclosure.
- FIG. 2 is a block diagram of a payment system using a payment service provider according to an embodiment of the present disclosure.
- FIG. 3 is a flowchart illustrating a method of evaluating transaction information in view of potential fraud and/or risk according to an embodiment of the present disclosure.
- a transaction score and/or data may be generated in real time and may be based on user data that includes a user profile and transaction information that may pertain, for example, to financial transactions performed by a user in relation to various merchants, or other user to user, merchant to merchant, or merchant to user transactions. Such transactions may be facilitated by a payment service provider.
- NFC Near Field Communication
- FIG. 1 illustrates a payment system according to an embodiment of the present disclosure.
- a financial transaction using, for example, an NFC based Point of Sale (POS) payment system may be made using a client device 130 such as an NFC enabled mobile device through a retailer or merchant server 110 .
- POS Point of Sale
- Client device 130 may be implemented using any appropriate combination of hardware and/or software configured for wired and/or wireless communication over a network.
- client device 130 may be implemented as a personal computer of a user 120 (also referred to as a “customer” or “consumer”) in communication with the Internet or another network.
- client device 130 may be implemented as a wireless telephone, personal digital assistant (PDA), key fob, smart card, notebook computer and/or other types of computing devices.
- client device 130 may be enabled for NFC, Bluetooth, online, infrared communications and/or other types of communications.
- Client device 130 may include various applications as may be desired in particular embodiments to provide desired features to client device 130 .
- applications may include security applications for implementing client-side security features, programmatic client applications for interfacing with appropriate application programming interfaces (APIs) over a network, or other types of applications.
- APIs application programming interfaces
- Client device 130 may further include one or more user identifiers that may be implemented, for example, as operating system registry entries, cookies associated with a browser application, identifiers associated with hardware of client device 130 , or other appropriate identifiers.
- a user identifier may be used by a payment service provider 140 to associate client device 130 or user 120 with a particular account maintained by payment service provider 140 as further described herein.
- Merchant server 110 may be maintained, for example, by a retailer or by an online merchant offering various products and/or services in exchange for payment to be received over a network such as the Internet. Merchant server 110 may be configured to accept payment information from user 120 via, for example, client device 130 and/or from a payment service provider 140 over a network. It should be appreciated that although a user-merchant transaction is illustrated in this embodiment, the system may also be applicable to user-user, merchant-merchant and/or merchant-user transactions.
- Merchant server 110 may use a secure gateway 112 to connect to an acquirer 115 .
- merchant server 110 may connect directly with acquirer 115 or processor 120 .
- acquirer 115 which has a relation or subscription with payment service provider 140 , processes the transaction through processor 120 or payment service provider 140 .
- Brands 125 for example, payment card issuers, which also have a relation or subscription with payment service provider 140 , are then involved in the payment transaction which will enable user 120 to finalize the purchase.
- Payment service provider 140 may have data connections 155 , 156 , 157 and 158 with a subscriber client device 130 , a subscriber acquirer 115 , a subscriber processor 120 and/or a subscriber brand 125 , respectively, to communicate and exchange data. Such data connections 155 , 156 , 157 and 158 may take place, for example, via SMS or a Wireless Application Protocol (WAP) over a network.
- payment service provider 140 may have a data connection 160 with subscriber Internet companies, Internet mortgage companies, Internet brokers or other Internet companies 150 .
- acquirers 115 or brands 125 have visibility only to information on transactions in which they are involved. However, one acquirer or one brand may not have visibility into overall transactions that may use different acquirers or brands. For example, a payment card issuer would not have visibility into a user's transactions made with another payment card issuer. In addition, such typical payment transactions may not have any information other than credit card, financial instrument, user name and password that flows through the system. Such typical payment transactions, including for example NFC or online transactions, may pose a risk of fraud and identity theft. As such, a number of online applications have developed solutions to try and minimize the ability for fraud to occur. One such online application is Paypal, Inc., which is an online payment system.
- the Paypal online banking system To verify that a user has a bank account, the Paypal online banking system requires that a user provide information for a service provider such as a bank account and the Paypal online banking system deposits a small amount of money into the bank account and requires that the customer verify that the money is deposited.
- a financial transaction using client device 130 for example, an NFC or Bluetooth enabled mobile device
- payment service provider 140 may additionally generate certain data as discussed below to protect against fraud and identify theft.
- geo-location using for example a Global Positioning Satellite (GPS) may be used to identify the location of a geo-location enabled client device 130 (and correspondingly the customer).
- GPS Global Positioning Satellite
- the location of customers may be helpful in establishing risk models for transactions.
- FIG. 2 a block diagram of a payment system using a payment service provider according to an embodiment of the present disclosure is illustrated.
- Payment service provider 140 may provide payment on behalf of user 120 to the operator of merchant server 110 via a network 210 .
- payment service provider 140 includes one or more payment applications 275 that may be configured to interact with client device 130 and/or merchant server 110 over network 210 to facilitate the purchase of items by user 120 from merchant server 110 .
- payment service provider 140 may be provided by PayPal, Inc.
- Client device 130 , merchant server 110 , and payment service provider 140 may each include one or more processors, memories, and other appropriate components for executing instructions such as program code and/or data stored on one or more computer readable mediums to implement the various applications, data, and methods described herein.
- such instructions may be stored in one or more computer readable mediums such as memories or data storage devices internal and/or external to various components of the system, and/or accessible over a network, which may be implemented as a single network or a combination of multiple networks.
- a network may include the Internet or one or more intranets, landline networks, wireless networks, and/or other appropriate types of networks.
- payment service provider 140 may work with a Mobile Network Operator (MNO) to put a certificate issued by the payment service provider in a Secure Element (SE) or Subscriber Identity Module (SIM) card 215 of a client device 130 .
- SE Secure Element
- SIM Subscriber Identity Module
- FIPS 140-2 Level 2/3 FIPS 140-2 Level 2/3.
- Payment service provider issued certificates already installed in client device 130 may be done for personalization purposes.
- customers or users activate their payment service provider application 225 such as a PayPal application, which is already built in the client device, the users or customers are asked to select a PIN, which may be optional or mandatory.
- the PIN protects the private key of the certificate.
- a transaction for example a financial transaction using NFC service application 217 of an NFC enabled client device 130
- payment service provider 140 gets signature information of, for example, a X509 certificate.
- This X509 signature information is typically maintained for each user.
- the signature information may be a digital signature and may include a time stamp, dollar amount, transaction type, item, and location, which may be determined from a GPS enabled client device 130 .
- Signature information may also be preloaded in client device 130 in, for example, other applications 230 , as EMV (Europay, MasterCard, Visa), or ECC, in addition to X509.
- Client device 130 may also be enabled for, for example, Bluetooth, infrared or other types of communications and/or transactions in addition to NFC.
- Payment service provider 140 maintains a plurality of user accounts 280 , each of which may include account information 285 associated with individual users.
- account information 285 may include private financial information of user 120 such as account numbers, passwords, credit/debit card information, bank information, or other financial information which may be used to facilitate online, NFC or other types of transactions by user 120 .
- payment application 275 may be configured to interact with merchant server 110 on behalf of user 120 during a transaction with a checkout application of the merchant server 110 without requiring user 120 to provide account information 285 to merchant server 110 .
- Payment service provider 140 may also provide a transaction record processing application 290 that may be configured to receive transaction information from client device 130 over network 210 and store the transaction information in a plurality of transaction records 295 which are associated with individual user accounts 280 .
- transaction records 295 may be implemented to store transaction information associated with particular financial transactions, for example online, NFC or other types of transactions, between user 120 and merchant server 110 (i.e., user-merchant transactions).
- user-merchant transactions i.e., user-merchant transactions.
- other transactions are also applicable such as user-user, merchant-merchant and/or merchant-user transactions.
- Access to transaction records 295 may be controlled by payment service provider 140 to prevent the storage or retrieval of transaction records 295 by other parties without the permission of user 120 .
- payment service provider 140 may require the receipt of a security identifier such as a valid password, a user identifier, a username, and/or other appropriate information before transaction records 295 may be stored, changed, and/or retrieved.
- a plurality of transaction records 295 may be stored by payment service provider 140 and associated with an appropriate user account 280 associated with user 120 .
- payment service provider 140 may communicate or exchange data with subscribers such as acquirer 315 , processor 120 , brands 125 and/or Internet companies 150 (as illustrated in FIG. 1 ). Accordingly, payment service provider 140 may provide a centralized storage of transaction information or data.
- the centralized storage of transaction information or data of payment service provider 140 may be combined and enhanced with data obtained from business partners of the payment service provider 140 including subscriber acquirers, brands, Internet companies, etc.
- payment service provider 140 is Paypal, Inc.
- the centralized stored transaction data may be combined with data obtained from Paypal's business partners such as eBayTM, thus resulting in even richer and more extensive data.
- Payment service provider 140 has multiple “verified” statuses. Hence, the centralized data storage capabilities of payment service provider 140 facilitate both a rule-based system and behavioral engine that may generate proprietary fraud models based on such rich and extensive data. Payment service provider 140 is able to offer and provide a service that may work in real time to identify information and data associated with client device 130 to detect and prevent identity theft and transaction fraud and without compromising privacy.
- FIG. 3 a flowchart illustrating a method of evaluating transaction information in view of potential fraud and/or risk according to an embodiment of the present disclosure is illustrated.
- user 120 has previously registered with payment service provider 140 to open a user account 280 (as illustrated in the embodiment of FIG. 2 ).
- user 120 may have previously provided account information 285 to payment service provider 140 over network 210 through, for example, a secure connection between client device 130 and payment service provider 140 .
- client device 130 stores a specific user identifier 220 that may be used to identify the particular user 120 as having a user account 280 maintained by payment service provider 140 .
- the user identifier 220 may be implemented, for example, as one or more cookies, operating system registry entries, hardware identifiers, or other types of identifiers.
- transaction information such as the last 4 digits of the payment instrument may be sent to a remote location, for example, to payment service provider 140 such as PayPal (using PayPal's mobile application).
- Payment service provider 140 such as PayPal (using PayPal's mobile application).
- User 120 may engage in a transaction with merchant server 110 to purchase various selected items.
- user 120 may authorize an operator of payment service provider 140 to provide relevant financial information (e.g., account information 285 from one of user accounts 280 associated with user 120 ) for executing such transactions on behalf of user 120 .
- client device 130 may interact with merchant server 110 via, for example, an NFC service application 217 .
- payment service provider 140 may interact with merchant server 110 on behalf of client device 130 and user 120 over network 210 .
- user 120 may engage in a transaction with another user, or a merchant may engage in a transaction with another merchant.
- transaction information is received at a remote location, for example, at the payment service provider 140 .
- Transaction information may include purchase amount, product purchased, time, date, place of transaction, etc.
- the transaction information is correlated with user data, which may include signature information and a user profile already created and centrally stored by, for example, payment service provider 140 .
- Signature information is the way to identify the client device 130 .
- the user profile may be created, for example, based on a user's typical behavior in financial transactions.
- a transaction score, potential fraud and/or risk data based on the correlation may be generated.
- payment service provider 140 may compare each transaction by a user with user data or centralized stored data maintained by payment service provider 140 . If a particular transaction appears to be out of line with the user's typical transaction profile, a fraud alert may be raised. For example, if the user generally only deals with transactions over the telephone in small dollar amounts, a large dollar amount transaction may raise a fraud alert. Other data that may raise fraud alerts include the number of transactions, the time of day or the time of year when the transaction takes place.
- transactions made over client device 130 may also provide location information of the client device 130 (and correspondingly user 120 ) via, for example, GPS. For example, if the user profile indicates that a particular account is based in Northern California, but one or more transactions suddenly appear in Russia, a fraud alert may be issued.
- the generated transaction score or data may be collated and offered to subscribers, which may include financial institutions or acquirers 115 , credit/debit card brands 125 , as well as other financial institutions or Internet companies 150 , as a fraud engine service while ensuring that privacy information is not leaked.
- subscribers obtaining the generated score or data may make a decision on the veracity or authenticity (or lack thereof) of the transaction based on the score or data generated by payment service provider 140 .
- the payment service provider 140 itself is the only entity that may do the correlating or matching and may offer the service as a fraud engine.
- Payment service provider 140 may provide a score or potential risk and/or fraud data associated with transactions performed. Such score or data may be provided in various formats such as HTML, XML, other text-based formats, one or more webpages, email messages, graphic files, multimedia files, or other data formats. For example, in one embodiment, payment service provider 140 may provide a webpage including a score or potential fraud and/or risk data which may be viewed through a browser application. In another embodiment, payment service provider 140 may provide an email message identifying such score or data details. In one embodiment, the score or data details provided may include program code, such as JavaScriptTM code embedded in a webpage, which is executable by a subscriber.
- program code such as JavaScriptTM code embedded in a webpage, which is executable by a subscriber.
- Transaction information or data generated by payment service provider 140 may be used to prevent identity theft or fraud transactions and may be used in real time.
- transaction record processing application 290 and transaction records 295 may be implemented by an entity separate from payment service provider 140 . Accordingly, in such an embodiment, communications described herein performed in relation to transaction record processing application 290 and transaction records 295 may be provided to a separate entity and need not be routed through payment service provider 140 in all instances.
- a Trusted Service Manager (TSM) role may be provided by payment service provider 140 .
- TSM Trusted Service Manager
- various embodiments provided by the present disclosure may be implemented using hardware, software, or combinations of hardware and software.
- the various hardware components and/or software components set forth herein can be combined into composite components comprising software, hardware, and/or both without departing from the spirit of the present disclosure.
- the various hardware components and/or software components set forth herein may be separated into sub-components comprising software, hardware, or both without departing from the spirit of the present disclosure.
- software components may be implemented as hardware components, and vice-versa.
- Software in accordance with the present disclosure may be stored on one or more computer readable mediums. It is also contemplated that software identified herein may be implemented using one or more general purpose or specific purpose computers and/or computer systems, networked and/or otherwise. Where applicable, the ordering of various steps described herein may be changed, combined into composite steps, and/or separated into sub-steps to provide features described herein.
Abstract
Transactions using, for example, Near Field Communication (NFC), Bluetooth, online, or other applications, may pose a risk of fraud or identity theft. According to an embodiment, a method of evaluating transaction information in view of potential fraud and/or risk includes receiving transaction information at a remote location. The method also includes correlating the received transaction information with user data maintained at the remote location. The method further includes generating a score and/or risk or fraud data based on the correlating. Such transactions may be facilitated by a payment service provider. Related methods, devices, and systems are also disclosed.
Description
- This application claims priority to U.S. Provisional Application Ser. No. 61/059,395 filed on Jun. 6, 2008, and U.S. Provisional Application Ser. No. 61/059,907 filed on Jun. 9, 2008, the contents of which are hereby incorporated by reference in their entirety.
- 1. Technical Field
- Embodiments of the present disclosure generally relate to financial transactions, and more particularly, to methods and systems for financial transactions conducted by a user that may be identified and evaluated in view of potential risk and/or fraud.
- 2. Related Art
- “Contactless technology” refers to short distance communications between two devices that are not physically connected. A wide variety of “contactless technology” exists today. Near Field Communication (NFC) is a specific type of “contactless technology” that is of high importance to Mobile Network Operators (MNOs) and to Service Providers (SP), for example, banks. NFC is a short-range high frequency wireless communication technology that enables the exchange of data between devices typically over about a 10 centimeter (or about 4 inches) distance, thus providing a fast, simple and secure way for a user to experience a range of contactless services with a mobile device.
- One example of an NFC technology application is financial transactions. NFC mobile devices and other types of contactless devices such as radio frequency-enabled credit/debit cards, key fobs, etc. are experiencing rapid growth worldwide in various industries including transportation, retail, parking and other industries that will now accept NFC mobile payments and other types of contactless payments.
- As an example, wireless mobile devices that include an NFC device and a smart card, which may use an RFID for identification purposes, allow a person to securely make a simple transaction, such as purchasing a retail item. Typically, a consumer waves the wireless mobile NFC device on a reader to effect a monetary transfer, and a price of the item is deducted from a total amount that is available and stored on the smart card of the wireless mobile device. Optionally, the amount of the item may be forwarded to a server that can identify the identification code of the particular RFID and then subsequently charge the person for the purchase of the retail item. Such NFC-based point of sale (POS) transactions provide advantages such as eliminating the need to carry cash and enabling a faster financial transaction.
- Because customers are interested in being able to use their mobile device for contactless services, a new mobile NFC ecosystem has been created by the Global System for Mobile communication Association (GSMA), which is a global trade association representing over 700 GSM mobile phone operators throughout the world. See “Mobile NFC Services,” GSMA, Version 1.0, February 2007. Such ecosystem involves different players or entities and new roles including:
- Customer—the customer subscribes to a Mobile Network Operator (MNO) and a service provider and is a customer of a merchant.
- MNO—the MNO provides a full range of mobile services to the Customer. Also, the MNO may provide UICC and NFC terminals plus Over the Air (OTA) transport mechanisms.
- Service Provider (SP)—the SP provides contactless services to the Customer. Examples of SPs include banks, credit card issuers as well as public transport companies, loyalty programs owners, etc.
- Retailer/Merchant—the retailer/merchant may operate an NFC capable point of sales terminal.
- Trusted Service Manager (TSM)—the TSM securely distributes and manages NFC applications and may have, for example, a direct relation or a relation via clearing houses to SPs.
- Handset, NFC Chipset and UICC Manufacturer—the manufacturers produce mobile NFC/communication devices and the associated UICC hardware.
- Reader Manufacturer—the reader manufacturer makes NFC reader devices.
- Application Developer—the application developer designs and develops mobile NFC applications.
- Standardization bodies and industry fora—develop a global standard for NFC, enabling interoperability, backward compatibility and future development of NFC applications and services.
- NFC requires cooperation between the different players of the GSMA ecosystem. Each player may have its own expectations, for example, the Customer expects convenient, friendly and secure services within a trusted environment; the SPs want their applications to be housed and used in as many mobile devices as possible; and the MNOs want to provide new mobile contactless services that are secure, high quality and consistent with the existing services experienced by the Customer. But although each player may have its own culture and expectations, they all have the same basic requirement—the need for security and confidentiality.
- The Trusted Service Manager (TSM), in particular, brings trust and convenience to the complex, multi-player NFC ecosystem. The TSM role includes providing a single point of contact for the SPs, e.g., banks, to access their customer base through the MNOs, and to secure download and lifecycle management for mobile NFC applications on behalf of the SPs. The TSM does not disrupt the SP's business model as the TSM does not participate in the transaction stage of the service.
- In addition to NFC based POS payments, there are several prevalent models of payments in the mobile industry including:
- (i) Short Message Service (SMS)—SMS is a communications protocol that allows the interchange of short text messages between mobile devices; and
- (ii) Mobile Internet-based payment—Customers routinely search for and purchase products and services through electronic communications with online merchants over electronic networks such as the Internet. In this regard, individual customers may frequently engage in transactions with a variety of merchants through, for example, various merchant websites. A credit card may be used for making payments over the Internet. A disadvantage of credit card usage is that online merchants may be exposed to high fraud costs and “chargeback fees,” bearing liability because there is no credit card signature with an online sale.
- The types of payment transaction models described above may provide information that is limited to information on credit card, financial instrument, user name and password that flows through the system. A problem exists in these models because there is no identity, risk, or fraud information that may be obtained by, for example, Service Providers to evaluate the transaction. The Service Providers, for example, may only have visibility into transactions involving their own services, thus limiting meaningful evaluation of potentially risky and/or fraudulent transactions.
- As will be further described herein in relation to various embodiments, a service is provided that may generate a transaction score and/or potential risk or fraud data for online, Near Field Communication (NFC), Bluetooth or other types of transactions.
- In accordance with an embodiment of the disclosure, a method of evaluating transaction information in view of potential fraud and/or risk includes receiving transaction information at a remote location. The method also includes correlating the received transaction information with user data maintained at the remote location. The method further includes generating a score and/or risk or fraud data based on the correlating.
- In accordance with another embodiment of the disclosure, a client device includes one or more processors and one or more memories adapted to store a plurality of machine-readable instructions. When executed by the one or more processors, the machine-readable instructions are adapted to cause the client device to provide transaction information to a remote location, wherein the transaction information is associated with a user-merchant transaction, a user-user transaction, a merchant-user transaction and/or a merchant-merchant transaction; and provide a user identifier to the remote location wherein the remote location creates user data associated with the client device based on the user identifier so that the user data may be correlated with the transaction information thus allowing generation of potential fraud and/or risk data.
- In accordance with another embodiment of the disclosure, a method of providing a fraud engine service includes maintaining a plurality of transaction records, the transaction records comprising transaction information associated with a plurality of transactions by a user. The method also includes receiving new transaction information wherein the new transaction information is associated with a new transaction by the user. The method also includes correlating the new transaction information with the maintained plurality of transaction records. The method further includes generating a score or potential fraud data based on the correlation.
- In accordance with another embodiment of the disclosure, a fraud engine system includes a plurality of transaction records associated with users, the transaction records comprising transaction information associated with a plurality of user transactions. The fraud engine system also includes one or more processors and one or more memories adapted to store a plurality of machine-readable instructions. When executed by the one or more processors, the machine-readable instructions are adapted to cause the fraud engine system to: maintain the plurality of transaction records associated with users; receive new transaction information from a client device, wherein the new transaction information is associated with a new user transaction; correlate the new transaction information with the maintained plurality of transaction records; generate a score or potential fraud data based on the correlation; and offer the generated score or potential fraud data to subscribers in view of identifying and preventing fraud.
- These and other features and advantages of the embodiments of the present disclosure will be more readily apparent from the detailed description of the embodiments set forth below taken in conjunction with the accompanying drawings.
-
FIG. 1 illustrates a payment system according to an embodiment of the present disclosure. -
FIG. 2 is a block diagram of a payment system using a payment service provider according to an embodiment of the present disclosure. -
FIG. 3 is a flowchart illustrating a method of evaluating transaction information in view of potential fraud and/or risk according to an embodiment of the present disclosure. - Like element numbers in different figures represent the same or similar elements.
- In accordance with various embodiments described herein, methods and systems are provided that may generate a transaction score and/or data to detect and prevent potential identity theft, transaction risk or fraud when using a payment system with, for example, a Near Field Communication (NFC), blue tooth or infrared enabled client device. Such transaction score or potential risk/fraud data may be generated in real time and may be based on user data that includes a user profile and transaction information that may pertain, for example, to financial transactions performed by a user in relation to various merchants, or other user to user, merchant to merchant, or merchant to user transactions. Such transactions may be facilitated by a payment service provider.
- Referring now to the drawings wherein the showings are for purposes of illustrating embodiments of the present disclosure only, and not for purposes of limiting the same,
FIG. 1 illustrates a payment system according to an embodiment of the present disclosure. - A financial transaction using, for example, an NFC based Point of Sale (POS) payment system, may be made using a
client device 130 such as an NFC enabled mobile device through a retailer ormerchant server 110. It should be appreciated that although an NFC application is illustrated in this embodiment, the system is not limited to NFC applications, but may also apply to other types of applications, for example, video game consoles, DVRs, and other appliances. -
Client device 130 may be implemented using any appropriate combination of hardware and/or software configured for wired and/or wireless communication over a network. For example, in one embodiment,client device 130 may be implemented as a personal computer of a user 120 (also referred to as a “customer” or “consumer”) in communication with the Internet or another network. In other embodiments,client device 130 may be implemented as a wireless telephone, personal digital assistant (PDA), key fob, smart card, notebook computer and/or other types of computing devices. Furthermore,client device 130 may be enabled for NFC, Bluetooth, online, infrared communications and/or other types of communications. -
Client device 130 may include various applications as may be desired in particular embodiments to provide desired features toclient device 130. For example, in various embodiments, applications may include security applications for implementing client-side security features, programmatic client applications for interfacing with appropriate application programming interfaces (APIs) over a network, or other types of applications. -
Client device 130 may further include one or more user identifiers that may be implemented, for example, as operating system registry entries, cookies associated with a browser application, identifiers associated with hardware ofclient device 130, or other appropriate identifiers. In one embodiment, a user identifier may be used by apayment service provider 140 toassociate client device 130 oruser 120 with a particular account maintained bypayment service provider 140 as further described herein. -
Merchant server 110 may be maintained, for example, by a retailer or by an online merchant offering various products and/or services in exchange for payment to be received over a network such as the Internet.Merchant server 110 may be configured to accept payment information fromuser 120 via, for example,client device 130 and/or from apayment service provider 140 over a network. It should be appreciated that although a user-merchant transaction is illustrated in this embodiment, the system may also be applicable to user-user, merchant-merchant and/or merchant-user transactions. -
Merchant server 110 may use asecure gateway 112 to connect to anacquirer 115. Alternatively,merchant server 110 may connect directly withacquirer 115 orprocessor 120. Once verified,acquirer 115, which has a relation or subscription withpayment service provider 140, processes the transaction throughprocessor 120 orpayment service provider 140.Brands 125, for example, payment card issuers, which also have a relation or subscription withpayment service provider 140, are then involved in the payment transaction which will enableuser 120 to finalize the purchase. -
Payment service provider 140 may havedata connections subscriber client device 130, asubscriber acquirer 115, asubscriber processor 120 and/or asubscriber brand 125, respectively, to communicate and exchange data.Such data connections payment service provider 140 may have adata connection 160 with subscriber Internet companies, Internet mortgage companies, Internet brokers orother Internet companies 150. - In typical payment transactions,
acquirers 115 orbrands 125, for example, have visibility only to information on transactions in which they are involved. However, one acquirer or one brand may not have visibility into overall transactions that may use different acquirers or brands. For example, a payment card issuer would not have visibility into a user's transactions made with another payment card issuer. In addition, such typical payment transactions may not have any information other than credit card, financial instrument, user name and password that flows through the system. Such typical payment transactions, including for example NFC or online transactions, may pose a risk of fraud and identity theft. As such, a number of online applications have developed solutions to try and minimize the ability for fraud to occur. One such online application is Paypal, Inc., which is an online payment system. To verify that a user has a bank account, the Paypal online banking system requires that a user provide information for a service provider such as a bank account and the Paypal online banking system deposits a small amount of money into the bank account and requires that the customer verify that the money is deposited. - In a payment system according to the present embodiment, a financial transaction using
client device 130, for example, an NFC or Bluetooth enabled mobile device,payment service provider 140 may additionally generate certain data as discussed below to protect against fraud and identify theft. - In addition, it is possible that geo-location using for example a Global Positioning Satellite (GPS) may be used to identify the location of a geo-location enabled client device 130 (and correspondingly the customer). The location of customers may be helpful in establishing risk models for transactions. Further to the location of customers, it is desirable to identify and evaluate a financial transaction carried out by a customer in view of potential risk and/or fraud.
- Referring now to
FIG. 2 , a block diagram of a payment system using a payment service provider according to an embodiment of the present disclosure is illustrated. -
Payment service provider 140, which may be an online payment provider, may provide payment on behalf ofuser 120 to the operator ofmerchant server 110 via anetwork 210. In this regard,payment service provider 140 includes one ormore payment applications 275 that may be configured to interact withclient device 130 and/ormerchant server 110 overnetwork 210 to facilitate the purchase of items byuser 120 frommerchant server 110. In one embodiment,payment service provider 140 may be provided by PayPal, Inc. -
Client device 130,merchant server 110, andpayment service provider 140 may each include one or more processors, memories, and other appropriate components for executing instructions such as program code and/or data stored on one or more computer readable mediums to implement the various applications, data, and methods described herein. For example, such instructions may be stored in one or more computer readable mediums such as memories or data storage devices internal and/or external to various components of the system, and/or accessible over a network, which may be implemented as a single network or a combination of multiple networks. For example, in various embodiments, a network may include the Internet or one or more intranets, landline networks, wireless networks, and/or other appropriate types of networks. - According to an embodiment,
payment service provider 140, for example in its role as a Trusted Service Manager (TSM), may work with a Mobile Network Operator (MNO) to put a certificate issued by the payment service provider in a Secure Element (SE) or Subscriber Identity Module (SIM)card 215 of aclient device 130. This SE or SIM card may follow security guidelines such as FIPS 140-2 Level 2/3. Payment service provider issued certificates already installed inclient device 130 may be done for personalization purposes. When customers or users activate their paymentservice provider application 225, such as a PayPal application, which is already built in the client device, the users or customers are asked to select a PIN, which may be optional or mandatory. The PIN protects the private key of the certificate. - When a transaction, for example a financial transaction using
NFC service application 217 of an NFC enabledclient device 130, is made viapayment service provider 140 such as PayPal,payment service provider 140 gets signature information of, for example, a X509 certificate. This X509 signature information is typically maintained for each user. The signature information may be a digital signature and may include a time stamp, dollar amount, transaction type, item, and location, which may be determined from a GPS enabledclient device 130. Signature information may also be preloaded inclient device 130 in, for example,other applications 230, as EMV (Europay, MasterCard, Visa), or ECC, in addition to X509.Client device 130 may also be enabled for, for example, Bluetooth, infrared or other types of communications and/or transactions in addition to NFC. -
Payment service provider 140 maintains a plurality of user accounts 280, each of which may includeaccount information 285 associated with individual users. For example, in one embodiment, accountinformation 285 may include private financial information ofuser 120 such as account numbers, passwords, credit/debit card information, bank information, or other financial information which may be used to facilitate online, NFC or other types of transactions byuser 120. Also,payment application 275 may be configured to interact withmerchant server 110 on behalf ofuser 120 during a transaction with a checkout application of themerchant server 110 without requiringuser 120 to provideaccount information 285 tomerchant server 110. -
Payment service provider 140 may also provide a transactionrecord processing application 290 that may be configured to receive transaction information fromclient device 130 overnetwork 210 and store the transaction information in a plurality oftransaction records 295 which are associated with individual user accounts 280. As further described herein, transaction records 295 may be implemented to store transaction information associated with particular financial transactions, for example online, NFC or other types of transactions, betweenuser 120 and merchant server 110 (i.e., user-merchant transactions). Although a user-merchant transaction is illustrated in this embodiment, other transactions are also applicable such as user-user, merchant-merchant and/or merchant-user transactions. - Access to
transaction records 295 may be controlled bypayment service provider 140 to prevent the storage or retrieval oftransaction records 295 by other parties without the permission ofuser 120. In this regard,payment service provider 140 may require the receipt of a security identifier such as a valid password, a user identifier, a username, and/or other appropriate information before transaction records 295 may be stored, changed, and/or retrieved. - It will be appreciated that by performing a plurality of transactions by
user 120 withmerchant server 110 and/or other merchants or users, a plurality oftransaction records 295 may be stored bypayment service provider 140 and associated with anappropriate user account 280 associated withuser 120. - In addition, as discussed above,
payment service provider 140 may communicate or exchange data with subscribers such as acquirer 315,processor 120,brands 125 and/or Internet companies 150 (as illustrated inFIG. 1 ). Accordingly,payment service provider 140 may provide a centralized storage of transaction information or data. - The centralized storage of transaction information or data of
payment service provider 140 may be combined and enhanced with data obtained from business partners of thepayment service provider 140 including subscriber acquirers, brands, Internet companies, etc. In one embodiment wherepayment service provider 140 is Paypal, Inc., the centralized stored transaction data may be combined with data obtained from Paypal's business partners such as eBay™, thus resulting in even richer and more extensive data. -
Payment service provider 140 has multiple “verified” statuses. Hence, the centralized data storage capabilities ofpayment service provider 140 facilitate both a rule-based system and behavioral engine that may generate proprietary fraud models based on such rich and extensive data.Payment service provider 140 is able to offer and provide a service that may work in real time to identify information and data associated withclient device 130 to detect and prevent identity theft and transaction fraud and without compromising privacy. - Referring now to
FIG. 3 , a flowchart illustrating a method of evaluating transaction information in view of potential fraud and/or risk according to an embodiment of the present disclosure is illustrated. - In operation, it is assumed that
user 120 has previously registered withpayment service provider 140 to open a user account 280 (as illustrated in the embodiment ofFIG. 2 ). In this regard, it will be appreciated thatuser 120 may have previously providedaccount information 285 topayment service provider 140 overnetwork 210 through, for example, a secure connection betweenclient device 130 andpayment service provider 140. - As a result of such previous registration,
client device 130 stores aspecific user identifier 220 that may be used to identify theparticular user 120 as having auser account 280 maintained bypayment service provider 140. Theuser identifier 220 may be implemented, for example, as one or more cookies, operating system registry entries, hardware identifiers, or other types of identifiers. - Beginning with
block 310, when a transaction takes place, for example, a financial transaction at a merchant 110 (POS) using a client device or a payment instrument including a credit card, transaction information such as the last 4 digits of the payment instrument may be sent to a remote location, for example, topayment service provider 140 such as PayPal (using PayPal's mobile application).User 120 may engage in a transaction withmerchant server 110 to purchase various selected items. In this regard,user 120 may authorize an operator ofpayment service provider 140 to provide relevant financial information (e.g., accountinformation 285 from one of user accounts 280 associated with user 120) for executing such transactions on behalf ofuser 120. In one embodiment,client device 130 may interact withmerchant server 110 via, for example, anNFC service application 217. In another embodiment,payment service provider 140 may interact withmerchant server 110 on behalf ofclient device 130 anduser 120 overnetwork 210. In one or more embodiments,user 120 may engage in a transaction with another user, or a merchant may engage in a transaction with another merchant. - In
block 320, transaction information is received at a remote location, for example, at thepayment service provider 140. Transaction information may include purchase amount, product purchased, time, date, place of transaction, etc. - In
block 330, the transaction information is correlated with user data, which may include signature information and a user profile already created and centrally stored by, for example,payment service provider 140. Signature information is the way to identify theclient device 130. The user profile may be created, for example, based on a user's typical behavior in financial transactions. - In
block 340, a transaction score, potential fraud and/or risk data based on the correlation may be generated. According to an embodiment,payment service provider 140 may compare each transaction by a user with user data or centralized stored data maintained bypayment service provider 140. If a particular transaction appears to be out of line with the user's typical transaction profile, a fraud alert may be raised. For example, if the user generally only deals with transactions over the telephone in small dollar amounts, a large dollar amount transaction may raise a fraud alert. Other data that may raise fraud alerts include the number of transactions, the time of day or the time of year when the transaction takes place. Finally, transactions made overclient device 130 may also provide location information of the client device 130 (and correspondingly user 120) via, for example, GPS. For example, if the user profile indicates that a particular account is based in Northern California, but one or more transactions suddenly appear in Russia, a fraud alert may be issued. - In
block 350, the generated transaction score or data may be collated and offered to subscribers, which may include financial institutions oracquirers 115, credit/debit card brands 125, as well as other financial institutions orInternet companies 150, as a fraud engine service while ensuring that privacy information is not leaked. In turn, subscribers obtaining the generated score or data may make a decision on the veracity or authenticity (or lack thereof) of the transaction based on the score or data generated bypayment service provider 140. Thepayment service provider 140 itself is the only entity that may do the correlating or matching and may offer the service as a fraud engine. -
Payment service provider 140 may provide a score or potential risk and/or fraud data associated with transactions performed. Such score or data may be provided in various formats such as HTML, XML, other text-based formats, one or more webpages, email messages, graphic files, multimedia files, or other data formats. For example, in one embodiment,payment service provider 140 may provide a webpage including a score or potential fraud and/or risk data which may be viewed through a browser application. In another embodiment,payment service provider 140 may provide an email message identifying such score or data details. In one embodiment, the score or data details provided may include program code, such as JavaScript™ code embedded in a webpage, which is executable by a subscriber. - In view of the present disclosure, it will be appreciated that various methods and systems have been described for receiving, sending, storing, and retrieving transaction records associated with transactions using, for example, NFC, Bluetooth, infrared and/or online applications. Transaction information or data generated by
payment service provider 140 may be used to prevent identity theft or fraud transactions and may be used in real time. - Although various components and steps have been described herein as being associated with
client device 130,merchant server 110, andpayment service provider 140 ofFIG. 1 andFIG. 2 , it is contemplated that the various aspects of such servers illustrated inFIG. 1 andFIG. 2 may be distributed among a plurality of servers, devices, and/or other entities. For example, in one embodiment, transactionrecord processing application 290 andtransaction records 295 may be implemented by an entity separate frompayment service provider 140. Accordingly, in such an embodiment, communications described herein performed in relation to transactionrecord processing application 290 andtransaction records 295 may be provided to a separate entity and need not be routed throughpayment service provider 140 in all instances. - As discussed above, a Trusted Service Manager (TSM) role may be provided by
payment service provider 140. - Where applicable, various embodiments provided by the present disclosure may be implemented using hardware, software, or combinations of hardware and software. Also where applicable, the various hardware components and/or software components set forth herein can be combined into composite components comprising software, hardware, and/or both without departing from the spirit of the present disclosure. Where applicable, the various hardware components and/or software components set forth herein may be separated into sub-components comprising software, hardware, or both without departing from the spirit of the present disclosure. In addition, where applicable, it is contemplated that software components may be implemented as hardware components, and vice-versa.
- Software in accordance with the present disclosure, such as program code and/or data, may be stored on one or more computer readable mediums. It is also contemplated that software identified herein may be implemented using one or more general purpose or specific purpose computers and/or computer systems, networked and/or otherwise. Where applicable, the ordering of various steps described herein may be changed, combined into composite steps, and/or separated into sub-steps to provide features described herein.
- The foregoing disclosure is not intended to limit the present disclosure to the precise forms or particular fields of use disclosed. It is contemplated that various alternate embodiments and/or modifications to the present disclosure, whether explicitly described or implied herein, are possible in light of the disclosure.
- Having thus described embodiments of the disclosure, persons of ordinary skill in the art will recognize that changes may be made in form and detail without departing from the scope of the disclosure. Thus the disclosure is limited only by the claims.
Claims (33)
1. A method of evaluating transaction information in view of potential fraud and/or risk, the method comprising:
receiving transaction information at a remote location;
correlating the received transaction information with user data maintained at the remote location; and
generating a score and/or risk or fraud data based on the correlating.
2. The method of claim 1 , further comprising offering the score and/or risk or fraud data for detection and prevention of identity theft or fraud.
3. The method of claim 1 , wherein the receiving transaction information further comprises receiving transaction information from a client device over a network.
4. The method of claim 1 , wherein the user data further comprises signature information associated with a client device and a user profile.
5. The method of claim 4 , further comprising generating fraud alerts based on the user profile, wherein the user profile further comprises number of transactions, or time of day or year associated with a user.
6. The method of claim 1 , further comprising maintaining the user data in a centralized data storage of the remote location.
7. The method of claim 1 , wherein the remote location further comprises a payment service provider.
8. The method of claim 7 , further comprising enhancing the user data with data received from business partners of the payment service provider.
9. The method of claim 1 , wherein the transaction information further comprises location information of a user.
10. The method of claim 1 , wherein the transaction information is associated with a user-merchant transaction, a user-user transaction, a merchant-user transaction and/or a merchant-merchant transaction.
11. The method of claim 10 , wherein the user-merchant transaction, the user-user transaction, the merchant-user transaction and/or the merchant-merchant transaction comprises an NFC application, a Bluetooth application, an infrared communications application and/or an online application.
12. The method of claim 1 , wherein the generating the score and/or risk or fraud data is done in real time.
13. A machine-readable medium comprising a plurality of machine-readable instructions which when executed by one or more processors of a server are adapted to cause the server to perform the method of claim 1 .
14. A client device comprising:
one or more processors; and
one or more memories adapted to store a plurality of machine-readable instructions which when executed by the one or more processors are adapted to cause the client device to:
provide transaction information to a remote location, wherein the transaction information is associated with a user-merchant transaction, a user-user transaction, a merchant-user transaction and/or a merchant-merchant transaction; and
provide a user identifier to the remote location wherein the remote location creates user data associated with the client device based on the user identifier so that the user data may be correlated with the transaction information thus allowing generation of potential fraud and/or risk data.
15. The client device of claim 14 , wherein the machine-readable instructions when executed by the one or more processors are adapted to provide location information of the client device.
16. The client device of claim 14 , wherein the machine-readable instructions when executed by the one or more processors are adapted to cause the client device to pass the user identifier with the transaction information to the remote location to permit the transaction information to be stored at the remote location.
17. The client device of claim 14 , wherein the remote location comprises a server of a payment service provider.
18. The client device of claim 14 further comprising a wireless telephone, a personal computer, a Personal Digital Assistant (PDA) or a keyfob.
19. The client device of claim 14 , wherein the client device is enabled for NFC, Bluetooth, online, and/or infrared communications applications.
20. A method of providing a fraud engine service, the method comprising:
maintaining a plurality of transaction records, the transaction records comprising transaction information associated with a plurality of transactions by a user;
receiving new transaction information wherein the new transaction information is associated with a new transaction by the user;
correlating the new transaction information with the maintained plurality of transaction records; and
generating a score or potential fraud data based on the correlation.
21. The method of claim 20 further comprising offering the generated score or potential fraud data to subscribers in view of identifying and preventing fraud.
22. The method of claim 20 , further comprising:
receiving a user identifier from a client device; and
maintaining a centralized storage of user data based on the user identifier and the plurality of transaction records.
23. The method of claim 22 , further comprising enriching the user data by obtaining transaction information associated with the user from subscribers.
24. The method of claim 20 , wherein the plurality of transactions by the user further comprises user-merchant, user-user, merchant-merchant and/or merchant-user transactions.
25. A machine-readable medium comprising a plurality of machine-readable instructions which when executed by one or more processors of a server are adapted to cause the server to perform the method of claim 20 .
26. A fraud engine system comprising:
a plurality of transaction records associated with users, the transaction records comprising transaction information associated with a plurality of user transactions;
one or more processors; and
one or more memories adapted to store a plurality of machine-readable instructions which when executed by the one or more processors are adapted to cause the fraud engine system to:
maintain the plurality of transaction records associated with the users;
receive new transaction information from a client device, wherein the new transaction information is associated with a new user transaction;
correlate the new transaction information with the maintained plurality of transaction records;
generate a score or potential fraud data based on the correlation; and
offer the generated score or potential fraud data to subscribers in view of identifying and preventing fraud.
27. The fraud engine system of claim 26 , wherein the machine-readable instructions when executed by the one or more processors are adapted to cause the fraud engine system to:
receive a user identifier from the client device; and
maintain a centralized storage of user data based on the user identifier and the plurality of transaction records.
28. The fraud engine system of claim 27 , further comprising enriching the user data with transaction data obtained from subscribers.
29. The fraud engine system of claim 26 further comprising a payment service provider service.
30. The fraud engine system of claim 26 , wherein the client device comprises a wireless telephone, a personal computer, a Personal Digital Assistant (PDA) or a keyfob.
31. The fraud engine system of claim 26 , wherein the client device is enabled for NFC, Bluetooth, online, and/or infrared communications applications.
32. The fraud engine system of claim 26 , wherein the plurality of transaction records associated with the users further comprises user-merchant, user-user, merchant-merchant and/or merchant-user transactions.
33. The method of claim 26 , wherein the score or potential fraud data is generated in real time.
Priority Applications (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US12/332,775 US20090307778A1 (en) | 2008-06-06 | 2008-12-11 | Mobile User Identify And Risk/Fraud Model Service |
Applications Claiming Priority (3)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US5939508P | 2008-06-06 | 2008-06-06 | |
US5990708P | 2008-06-09 | 2008-06-09 | |
US12/332,775 US20090307778A1 (en) | 2008-06-06 | 2008-12-11 | Mobile User Identify And Risk/Fraud Model Service |
Publications (1)
Publication Number | Publication Date |
---|---|
US20090307778A1 true US20090307778A1 (en) | 2009-12-10 |
Family
ID=41401179
Family Applications (10)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
US12/249,145 Abandoned US20090307140A1 (en) | 2008-06-06 | 2008-10-10 | Mobile device over-the-air (ota) registration and point-of-sale (pos) payment |
US12/332,775 Abandoned US20090307778A1 (en) | 2008-06-06 | 2008-12-11 | Mobile User Identify And Risk/Fraud Model Service |
US12/339,850 Active 2029-09-20 US8108318B2 (en) | 2008-06-06 | 2008-12-19 | Trusted service manager (TSM) architectures and methods |
US12/414,323 Active 2030-05-16 US8150772B2 (en) | 2008-06-06 | 2009-03-30 | Biometric authentication of mobile financial transactions by trusted service managers |
US13/331,801 Active US8417643B2 (en) | 2008-06-06 | 2011-12-20 | Trusted service manager (TSM) architectures and methods |
US13/418,196 Active US8554689B2 (en) | 2008-06-06 | 2012-03-12 | Biometric authentication of mobile financial transactions by trusted service managers |
US13/794,025 Active 2031-11-08 US9852418B2 (en) | 2008-06-06 | 2013-03-11 | Trusted service manager (TSM) architectures and methods |
US14/529,692 Active 2029-07-10 US9858566B2 (en) | 2008-06-06 | 2014-10-31 | Biometric authentication of mobile financial transactions by trusted service managers |
US15/853,647 Active 2031-01-12 US11521194B2 (en) | 2008-06-06 | 2017-12-22 | Trusted service manager (TSM) architectures and methods |
US15/859,260 Abandoned US20180225654A1 (en) | 2008-06-06 | 2017-12-29 | Biometric authentication of mobile financial transactions by trusted service managers |
Family Applications Before (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
US12/249,145 Abandoned US20090307140A1 (en) | 2008-06-06 | 2008-10-10 | Mobile device over-the-air (ota) registration and point-of-sale (pos) payment |
Family Applications After (8)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
US12/339,850 Active 2029-09-20 US8108318B2 (en) | 2008-06-06 | 2008-12-19 | Trusted service manager (TSM) architectures and methods |
US12/414,323 Active 2030-05-16 US8150772B2 (en) | 2008-06-06 | 2009-03-30 | Biometric authentication of mobile financial transactions by trusted service managers |
US13/331,801 Active US8417643B2 (en) | 2008-06-06 | 2011-12-20 | Trusted service manager (TSM) architectures and methods |
US13/418,196 Active US8554689B2 (en) | 2008-06-06 | 2012-03-12 | Biometric authentication of mobile financial transactions by trusted service managers |
US13/794,025 Active 2031-11-08 US9852418B2 (en) | 2008-06-06 | 2013-03-11 | Trusted service manager (TSM) architectures and methods |
US14/529,692 Active 2029-07-10 US9858566B2 (en) | 2008-06-06 | 2014-10-31 | Biometric authentication of mobile financial transactions by trusted service managers |
US15/853,647 Active 2031-01-12 US11521194B2 (en) | 2008-06-06 | 2017-12-22 | Trusted service manager (TSM) architectures and methods |
US15/859,260 Abandoned US20180225654A1 (en) | 2008-06-06 | 2017-12-29 | Biometric authentication of mobile financial transactions by trusted service managers |
Country Status (4)
Country | Link |
---|---|
US (10) | US20090307140A1 (en) |
EP (1) | EP2308014A4 (en) |
CN (2) | CN102057386B (en) |
WO (1) | WO2010002541A1 (en) |
Cited By (86)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US20110113045A1 (en) * | 2009-11-12 | 2011-05-12 | Verizon Patent And Licensing Inc. | Usage record enhancement and analysis |
US20110145137A1 (en) * | 2009-09-30 | 2011-06-16 | Justin Driemeyer | Apparatuses,methods and systems for a trackable virtual currencies platform |
US20110238564A1 (en) * | 2010-03-26 | 2011-09-29 | Kwang Hyun Lim | System and Method for Early Detection of Fraudulent Transactions |
US8175889B1 (en) | 2005-04-06 | 2012-05-08 | Experian Information Solutions, Inc. | Systems and methods for tracking changes of address based on service disconnect/connect data |
US20120130898A1 (en) * | 2009-07-07 | 2012-05-24 | Finsphere, Inc. | Mobile directory number and email verification of financial transactions |
US8195549B2 (en) | 2002-09-21 | 2012-06-05 | Consumerinfo.Com, Inc. | Systems and methods of on-line credit information monitoring and control |
US8312033B1 (en) | 2008-06-26 | 2012-11-13 | Experian Marketing Solutions, Inc. | Systems and methods for providing an integrated identifier |
US8359278B2 (en) | 2006-10-25 | 2013-01-22 | IndentityTruth, Inc. | Identity protection |
US8364588B2 (en) | 2007-05-25 | 2013-01-29 | Experian Information Solutions, Inc. | System and method for automated detection of never-pay data sets |
US8464939B1 (en) | 2007-12-14 | 2013-06-18 | Consumerinfo.Com, Inc. | Card registry systems and methods |
US8478674B1 (en) | 2010-11-12 | 2013-07-02 | Consumerinfo.Com, Inc. | Application clusters |
US20140025517A1 (en) * | 2012-07-23 | 2014-01-23 | Wal-Mart Stores, Inc. | Transferring digital receipt data to mobile devices |
US20140074655A1 (en) * | 2012-09-07 | 2014-03-13 | David Lim | System, apparatus and methods for online one-tap account addition and checkout |
US8738454B2 (en) * | 2012-07-23 | 2014-05-27 | Wal-Mart Stores, Inc. | Transferring digital receipt data to mobile devices |
US8744956B1 (en) | 2010-07-01 | 2014-06-03 | Experian Information Solutions, Inc. | Systems and methods for permission arbitrated transaction services |
US8781953B2 (en) | 2003-03-21 | 2014-07-15 | Consumerinfo.Com, Inc. | Card management system and method |
US8782217B1 (en) | 2010-11-10 | 2014-07-15 | Safetyweb, Inc. | Online identity management |
US8819793B2 (en) | 2011-09-20 | 2014-08-26 | Csidentity Corporation | Systems and methods for secure and efficient enrollment into a federation which utilizes a biometric repository |
US8856894B1 (en) | 2012-11-28 | 2014-10-07 | Consumerinfo.Com, Inc. | Always on authentication |
US8931058B2 (en) | 2010-07-01 | 2015-01-06 | Experian Information Solutions, Inc. | Systems and methods for permission arbitrated transaction services |
US8972400B1 (en) | 2013-03-11 | 2015-03-03 | Consumerinfo.Com, Inc. | Profile data management |
US20150120473A1 (en) * | 2013-10-29 | 2015-04-30 | Elwha LLC, a limited liability corporation of the State of Delaware | Vendor-facilitated guaranty provisioning |
US9106691B1 (en) | 2011-09-16 | 2015-08-11 | Consumerinfo.Com, Inc. | Systems and methods of identity protection and management |
US9147042B1 (en) | 2010-11-22 | 2015-09-29 | Experian Information Solutions, Inc. | Systems and methods for data verification |
US9235728B2 (en) | 2011-02-18 | 2016-01-12 | Csidentity Corporation | System and methods for identifying compromised personally identifiable information on the internet |
US9256904B1 (en) | 2008-08-14 | 2016-02-09 | Experian Information Solutions, Inc. | Multi-bureau credit file freeze and unfreeze |
WO2016048661A1 (en) * | 2014-09-23 | 2016-03-31 | Sony Corporation | Using mobile device to monitor for electronic bank card communication |
USD759689S1 (en) | 2014-03-25 | 2016-06-21 | Consumerinfo.Com, Inc. | Display screen or portion thereof with graphical user interface |
USD759690S1 (en) | 2014-03-25 | 2016-06-21 | Consumerinfo.Com, Inc. | Display screen or portion thereof with graphical user interface |
USD760256S1 (en) | 2014-03-25 | 2016-06-28 | Consumerinfo.Com, Inc. | Display screen or portion thereof with graphical user interface |
US20160189134A1 (en) * | 2014-12-31 | 2016-06-30 | Ebay Inc. | Collaborating user devices for security |
US9400589B1 (en) | 2002-05-30 | 2016-07-26 | Consumerinfo.Com, Inc. | Circular rotational interface for display of consumer credit information |
US9406085B1 (en) | 2013-03-14 | 2016-08-02 | Consumerinfo.Com, Inc. | System and methods for credit dispute processing, resolution, and reporting |
US9443268B1 (en) | 2013-08-16 | 2016-09-13 | Consumerinfo.Com, Inc. | Bill payment and reporting |
WO2016167544A1 (en) * | 2015-04-14 | 2016-10-20 | Samsung Electronics Co., Ltd. | Apparatus and method for fraud detection in a mobile device |
US9477737B1 (en) | 2013-11-20 | 2016-10-25 | Consumerinfo.Com, Inc. | Systems and user interfaces for dynamic access of multiple remote databases and synchronization of data based on user rules |
US9536263B1 (en) | 2011-10-13 | 2017-01-03 | Consumerinfo.Com, Inc. | Debt services candidate locator |
US9607336B1 (en) | 2011-06-16 | 2017-03-28 | Consumerinfo.Com, Inc. | Providing credit inquiry alerts |
US9633322B1 (en) | 2013-03-15 | 2017-04-25 | Consumerinfo.Com, Inc. | Adjustment of knowledge-based authentication |
US9654541B1 (en) | 2012-11-12 | 2017-05-16 | Consumerinfo.Com, Inc. | Aggregating user web browsing data |
US9710852B1 (en) | 2002-05-30 | 2017-07-18 | Consumerinfo.Com, Inc. | Credit report timeline user interface |
US9721147B1 (en) | 2013-05-23 | 2017-08-01 | Consumerinfo.Com, Inc. | Digital identity |
US9727859B1 (en) * | 2014-05-20 | 2017-08-08 | Carolina Coupon Clearing, Inc. | Methods, systems, and computer program products for using shopper credentials to initiate payment for a purchase by matching the credentials with an open approval from a financial institution |
US9818105B2 (en) | 2013-10-29 | 2017-11-14 | Elwha Llc | Guaranty provisioning via wireless service purveyance |
US9830646B1 (en) | 2012-11-30 | 2017-11-28 | Consumerinfo.Com, Inc. | Credit score goals and alerts systems and methods |
US9853959B1 (en) | 2012-05-07 | 2017-12-26 | Consumerinfo.Com, Inc. | Storage and maintenance of personal data |
US9858575B2 (en) | 2014-12-16 | 2018-01-02 | At&T Mobility Ii Llc | Fraud detection via mobile device location tracking |
US9870589B1 (en) | 2013-03-14 | 2018-01-16 | Consumerinfo.Com, Inc. | Credit utilization tracking and reporting |
US9892457B1 (en) | 2014-04-16 | 2018-02-13 | Consumerinfo.Com, Inc. | Providing credit data in search results |
US9934498B2 (en) | 2013-10-29 | 2018-04-03 | Elwha Llc | Facilitating guaranty provisioning for an exchange |
US10102570B1 (en) | 2013-03-14 | 2018-10-16 | Consumerinfo.Com, Inc. | Account vulnerability alerts |
US10157407B2 (en) | 2013-10-29 | 2018-12-18 | Elwha Llc | Financier-facilitated guaranty provisioning |
US10176233B1 (en) | 2011-07-08 | 2019-01-08 | Consumerinfo.Com, Inc. | Lifescore |
WO2019040156A1 (en) * | 2017-08-25 | 2019-02-28 | Google Llc | Mobile device security for electronic payments |
US10255598B1 (en) | 2012-12-06 | 2019-04-09 | Consumerinfo.Com, Inc. | Credit card account data extraction |
US10262364B2 (en) | 2007-12-14 | 2019-04-16 | Consumerinfo.Com, Inc. | Card registry systems and methods |
US10325314B1 (en) | 2013-11-15 | 2019-06-18 | Consumerinfo.Com, Inc. | Payment reporting systems |
US10339527B1 (en) | 2014-10-31 | 2019-07-02 | Experian Information Solutions, Inc. | System and architecture for electronic fraud detection |
US10373240B1 (en) | 2014-04-25 | 2019-08-06 | Csidentity Corporation | Systems, methods and computer-program products for eligibility verification |
US20190318358A1 (en) * | 2018-04-11 | 2019-10-17 | Wells Fargo Bank, N.A. | System and methods for assessing risk of fraud in an electronic transaction |
WO2020009769A1 (en) * | 2018-07-06 | 2020-01-09 | Mastercard International Incorporated | System and method for electronic funds transfer (eft) security |
US20200051176A1 (en) * | 2017-03-31 | 2020-02-13 | Nec Corporation | Analysis system |
US20200082376A1 (en) * | 2012-07-16 | 2020-03-12 | Square, Inc. | Storing and Forwarding Payment Transactions |
US10592982B2 (en) | 2013-03-14 | 2020-03-17 | Csidentity Corporation | System and method for identifying related credit inquiries |
US10607226B2 (en) | 2015-04-14 | 2020-03-31 | Samsung Electronics Co., Ltd. | System and method for fraud detection in a mobile device |
US10621657B2 (en) | 2008-11-05 | 2020-04-14 | Consumerinfo.Com, Inc. | Systems and methods of credit information reporting |
US10664936B2 (en) | 2013-03-15 | 2020-05-26 | Csidentity Corporation | Authentication systems and methods for on-demand products |
US10671749B2 (en) | 2018-09-05 | 2020-06-02 | Consumerinfo.Com, Inc. | Authenticated access and aggregation database platform |
US10685398B1 (en) | 2013-04-23 | 2020-06-16 | Consumerinfo.Com, Inc. | Presenting credit score information |
US10699028B1 (en) | 2017-09-28 | 2020-06-30 | Csidentity Corporation | Identity security architecture systems and methods |
US10776791B2 (en) | 2007-03-16 | 2020-09-15 | Visa International Service Association | System and method for identity protection using mobile device signaling network derived location pattern recognition |
US10896472B1 (en) | 2017-11-14 | 2021-01-19 | Csidentity Corporation | Security and identity verification system and architecture |
US10909617B2 (en) | 2010-03-24 | 2021-02-02 | Consumerinfo.Com, Inc. | Indirect monitoring and reporting of a user's credit data |
US10911234B2 (en) | 2018-06-22 | 2021-02-02 | Experian Information Solutions, Inc. | System and method for a token gateway environment |
US11030562B1 (en) | 2011-10-31 | 2021-06-08 | Consumerinfo.Com, Inc. | Pre-data breach monitoring |
US11127010B2 (en) | 2015-07-14 | 2021-09-21 | Samsung Electronics Co., Ltd. | Electronic device, certification agency server, and payment system |
US11151468B1 (en) | 2015-07-02 | 2021-10-19 | Experian Information Solutions, Inc. | Behavior analysis using distributed representations of event data |
US11238656B1 (en) | 2019-02-22 | 2022-02-01 | Consumerinfo.Com, Inc. | System and method for an augmented reality experience via an artificial intelligence bot |
US11308498B2 (en) * | 2019-07-15 | 2022-04-19 | Visa International Service Association | Real-time risk based payment decision service for transit system |
US11315179B1 (en) | 2018-11-16 | 2022-04-26 | Consumerinfo.Com, Inc. | Methods and apparatuses for customized card recommendations |
US11405781B2 (en) | 2007-03-16 | 2022-08-02 | Visa International Service Association | System and method for mobile identity protection for online user authentication |
US11403641B2 (en) | 2019-06-28 | 2022-08-02 | Paypal, Inc. | Transactional probability analysis on radial time representation |
US11538063B2 (en) | 2018-09-12 | 2022-12-27 | Samsung Electronics Co., Ltd. | Online fraud prevention and detection based on distributed system |
US11665277B2 (en) * | 2020-03-19 | 2023-05-30 | Anatoly S. Weiser | Apparatus, methods, and articles of manufacture for filtering calls and reducing spoofing and spamming |
US11797997B2 (en) | 2009-07-07 | 2023-10-24 | Visa International Service Association | Data verification in transactions in distributed network |
US11941065B1 (en) | 2019-09-13 | 2024-03-26 | Experian Information Solutions, Inc. | Single identifier platform for storing entity data |
Families Citing this family (538)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
EP3223186B1 (en) | 2002-07-09 | 2021-03-31 | Smartrac Technology Fletcher, Inc. | System and method for providing secure identification solutions |
US20140019352A1 (en) | 2011-02-22 | 2014-01-16 | Visa International Service Association | Multi-purpose virtual card transaction apparatuses, methods and systems |
US8175938B2 (en) * | 2004-04-13 | 2012-05-08 | Ebay Inc. | Method and system for facilitating merchant-initiated online payments |
CA2648523C (en) | 2005-04-21 | 2018-09-04 | Securedpay Solutions, Inc. | Portable handheld device for wireless order entry and real time payment authorization and related methods |
US8762263B2 (en) | 2005-09-06 | 2014-06-24 | Visa U.S.A. Inc. | System and method for secured account numbers in proximity devices |
US8559987B1 (en) * | 2005-12-31 | 2013-10-15 | Blaze Mobile, Inc. | Wireless bidirectional communications between a mobile device and associated secure element |
US9047601B2 (en) * | 2006-09-24 | 2015-06-02 | RFCyber Corpration | Method and apparatus for settling payments using mobile devices |
US7739169B2 (en) | 2007-06-25 | 2010-06-15 | Visa U.S.A. Inc. | Restricting access to compromised account information |
US8121942B2 (en) | 2007-06-25 | 2012-02-21 | Visa U.S.A. Inc. | Systems and methods for secure and transparent cardless transactions |
US7937324B2 (en) | 2007-09-13 | 2011-05-03 | Visa U.S.A. Inc. | Account permanence |
EP2043016A1 (en) * | 2007-09-27 | 2009-04-01 | Nxp B.V. | Method, system, trusted service manager, service provider and memory element for managing access rights for trusted applications |
US8121957B1 (en) | 2007-10-01 | 2012-02-21 | Google Inc. | Discrete verification of payment information |
US8150842B2 (en) * | 2007-12-12 | 2012-04-03 | Google Inc. | Reputation of an author of online content |
SK50042008A3 (en) | 2008-01-04 | 2009-09-07 | Logomotion, S. R. O. | Method and system for authentication preferably at payments, identifier of identity and/or agreement |
SK288721B6 (en) | 2008-03-25 | 2020-01-07 | Smk Kk | Method, circuit and carrier for perform multiple operations on the keypad of mobile communication equipment |
US20090307140A1 (en) | 2008-06-06 | 2009-12-10 | Upendra Mardikar | Mobile device over-the-air (ota) registration and point-of-sale (pos) payment |
US8543091B2 (en) * | 2008-06-06 | 2013-09-24 | Ebay Inc. | Secure short message service (SMS) communications |
US8825876B2 (en) * | 2008-07-17 | 2014-09-02 | Qualcomm Incorporated | Apparatus and method for mobile virtual network operator (MVNO) hosting and pricing |
US8285640B2 (en) * | 2008-07-23 | 2012-10-09 | Ebay, Inc. | System and methods for facilitating fund transfers over a network |
US8219489B2 (en) | 2008-07-29 | 2012-07-10 | Visa U.S.A. Inc. | Transaction processing using a global unique identifier |
FR2934910B1 (en) * | 2008-08-05 | 2013-08-16 | Inside Contactless | METHOD OF SECURING AN EXECUTED TRANSACTION USING A PROGRAMMABLE PORTABLE DEVICE |
US8447669B2 (en) | 2008-08-26 | 2013-05-21 | Visa U.S.A. Inc. | System and method for implementing financial assistance programs |
CN102132457B (en) | 2008-08-29 | 2016-01-20 | Smk公司 | For the removable card of contactless communication, its purposes and manufacture method |
SK50862008A3 (en) | 2008-09-19 | 2010-06-07 | Logomotion, S. R. O. | System for electronic payment applications and method for payment authorization |
US9098845B2 (en) | 2008-09-19 | 2015-08-04 | Logomotion, S.R.O. | Process of selling in electronic shop accessible from the mobile communication device |
FR2936391B1 (en) * | 2008-09-19 | 2010-12-17 | Oberthur Technologies | METHOD OF EXCHANGING DATA, SUCH AS CRYPTOGRAPHIC KEYS, BETWEEN A COMPUTER SYSTEM AND AN ELECTRONIC ENTITY, SUCH AS A MICROCIRCUIT CARD |
SK288757B6 (en) * | 2008-09-19 | 2020-05-04 | Smk Kk | System and method for contactless payment authorization |
SK288747B6 (en) | 2009-04-24 | 2020-04-02 | Smk Kk | Method and system for cashless payment transactions, particularly with contactless payment device using |
US8965811B2 (en) * | 2008-10-04 | 2015-02-24 | Mastercard International Incorporated | Methods and systems for using physical payment cards in secure E-commerce transactions |
SK288641B6 (en) | 2008-10-15 | 2019-02-04 | Smk Corporation | Communication method with POS terminal and frequency convertor for POS terminal |
US20100106570A1 (en) * | 2008-10-28 | 2010-04-29 | Cristian Radu | Systems and methods for enrollment and participation in a loyalty program |
BRPI0921124A2 (en) | 2008-11-06 | 2016-09-13 | Visa Int Service Ass | system for authenticating a consumer, computer implemented method, computer readable medium, and server computer. |
US9842356B2 (en) * | 2008-12-17 | 2017-12-12 | Iii Holdings 1, Llc | System, method, apparatus and computer program product for interfacing a multi-card radio frequency (RF) device with a mobile communications device |
US20100161488A1 (en) * | 2008-12-22 | 2010-06-24 | Paul Michael Evans | Methods and systems for biometric verification |
US10382910B2 (en) * | 2009-02-16 | 2019-08-13 | Accenture Global Services Limited | Wireless transfer protocol for electronic certificates |
US8706628B2 (en) * | 2009-02-25 | 2014-04-22 | Mastercard International Incorporated | Automated opening of electronic wallet function in mobile device |
US9230259B1 (en) | 2009-03-20 | 2016-01-05 | Jpmorgan Chase Bank, N.A. | Systems and methods for mobile ordering and payment |
US10972880B2 (en) | 2009-04-13 | 2021-04-06 | Accenture Global Services Limited | Digital voucher processing system |
WO2010120222A1 (en) * | 2009-04-16 | 2010-10-21 | Telefonaktiebolaget L M Ericsson (Publ) | Method, server, computer program and computer program product for communicating with secure element |
US9715681B2 (en) | 2009-04-28 | 2017-07-25 | Visa International Service Association | Verification of portable consumer devices |
AU2010244100B2 (en) | 2009-05-03 | 2016-06-23 | Smk-Logomotion Corporation | A payment terminal using a mobile communication device, such as a mobile phone; a method of direct debit payment transaction |
US7891560B2 (en) | 2009-05-15 | 2011-02-22 | Visa International Service Assocation | Verification of portable consumer devices |
US9038886B2 (en) | 2009-05-15 | 2015-05-26 | Visa International Service Association | Verification of portable consumer devices |
US8893967B2 (en) | 2009-05-15 | 2014-11-25 | Visa International Service Association | Secure Communication of payment information to merchants using a verification token |
US8602293B2 (en) | 2009-05-15 | 2013-12-10 | Visa International Service Association | Integration of verification tokens with portable computing devices |
US10846683B2 (en) | 2009-05-15 | 2020-11-24 | Visa International Service Association | Integration of verification tokens with mobile communication devices |
US9105027B2 (en) | 2009-05-15 | 2015-08-11 | Visa International Service Association | Verification of portable consumer device for secure services |
US8534564B2 (en) | 2009-05-15 | 2013-09-17 | Ayman Hammad | Integration of verification tokens with mobile communication devices |
US10140598B2 (en) | 2009-05-20 | 2018-11-27 | Visa International Service Association | Device including encrypted data for expiration date and verification value creation |
US9489503B2 (en) * | 2009-12-21 | 2016-11-08 | Paypal, Inc. | Behavioral stochastic authentication (BSA) |
US9734496B2 (en) | 2009-05-29 | 2017-08-15 | Paypal, Inc. | Trusted remote attestation agent (TRAA) |
EP2259610B1 (en) * | 2009-06-02 | 2012-08-08 | Vodafone Holding GmbH | Registering a mobile device in a mobile communication network |
US8485442B2 (en) | 2009-07-02 | 2013-07-16 | Biometric Payment Solutions | Electronic transaction verification system with biometric authentication |
MX2009009050A (en) * | 2009-08-24 | 2009-12-07 | Pedro Pablo Garcia Perez | A complemented electro-biometric signature for identification and legal interaction of individuals. |
US8447699B2 (en) * | 2009-10-13 | 2013-05-21 | Qualcomm Incorporated | Global secure service provider directory |
US20110119141A1 (en) * | 2009-11-16 | 2011-05-19 | Hoyos Corporation | Siccolla Identity Verification Architecture and Tool |
IN2012DN01925A (en) * | 2009-12-04 | 2015-07-24 | Ericsson Telefon Ab L M | |
US8942672B2 (en) | 2009-12-11 | 2015-01-27 | Toro Development Limited | Mobile integrated distribution and transaction system and method for NFC services, and a mobile electronic device thereof |
TWI429213B (en) * | 2009-12-11 | 2014-03-01 | Toro Dev Ltd | A mobile integrated distribution and transaction system and method for nfc services, and a mobile electronic device thereof |
US8958746B2 (en) | 2009-12-11 | 2015-02-17 | Toro Development Ltd. | Mobile integrated distribution and transaction system and method for NFC services, and a mobile electronic device thereof |
CN102103683A (en) * | 2009-12-17 | 2011-06-22 | 中兴通讯股份有限公司 | Method and device for realizing card simulation application of NFC mobile terminal |
US10255591B2 (en) | 2009-12-18 | 2019-04-09 | Visa International Service Association | Payment channel returning limited use proxy dynamic value |
AU2011205391B2 (en) | 2010-01-12 | 2014-11-20 | Visa International Service Association | Anytime validation for verification tokens |
FR2956941A1 (en) * | 2010-02-19 | 2011-09-02 | Ingenico Sa | BIOMETRIC AUTHENTICATION METHOD, AUTHENTICATION SYSTEM, PROGRAM AND CORRESPONDING TERMINAL. |
US10255601B2 (en) | 2010-02-25 | 2019-04-09 | Visa International Service Association | Multifactor authentication using a directory server |
US9245267B2 (en) | 2010-03-03 | 2016-01-26 | Visa International Service Association | Portable account number for consumer payment account |
WO2011127277A1 (en) * | 2010-04-07 | 2011-10-13 | Cardinal Commerce Corporation | Universal merchant application, registration and boarding platform |
US10445723B2 (en) * | 2010-04-09 | 2019-10-15 | Paypal, Inc. | NFC-transaction processing systems and methods |
US10134031B2 (en) | 2010-04-09 | 2018-11-20 | Paypal, Inc. | Transaction token issuing authorities |
US11887105B2 (en) | 2010-04-09 | 2024-01-30 | Paypal, Inc. | Transaction token issuing authorities |
US8650628B2 (en) * | 2010-04-27 | 2014-02-11 | Cox Communications, Inc. | Automated user authentication identification for customized converged services |
US9602277B2 (en) * | 2010-06-07 | 2017-03-21 | Protected Mobilty, Llc | User interface systems and methods for secure message oriented communications |
EA201390001A1 (en) * | 2010-06-09 | 2013-12-30 | Торо Дивелопмент Лимитед | MOBILE INTEGRATED SYSTEM FOR THE DISTRIBUTION AND IMPLEMENTATION OF TRANSACTIONS AND THE METHOD OF DISTRIBUTION AND IMPLEMENTATION OF TRANSACTIONS FOR NFC-SERVICE AND MOBILE ELECTRONIC DEVICE FOR NFC-SERVICE |
JP5633730B2 (en) * | 2010-06-28 | 2014-12-03 | ソニー株式会社 | Information processing apparatus and method, and program |
US20120123841A1 (en) | 2010-06-29 | 2012-05-17 | Ebay, Inc. | Smart wallet |
US20110320345A1 (en) * | 2010-06-29 | 2011-12-29 | Ebay, Inc. | Smart wallet |
US9118666B2 (en) | 2010-06-30 | 2015-08-25 | Google Inc. | Computing device integrity verification |
US8700895B1 (en) | 2010-06-30 | 2014-04-15 | Google Inc. | System and method for operating a computing device in a secure mode |
US8571939B2 (en) | 2010-07-07 | 2013-10-29 | Toshiba Global Commerce Solutions Holdings Corporation | Two phase payment link and authorization for mobile devices |
US9342832B2 (en) | 2010-08-12 | 2016-05-17 | Visa International Service Association | Securing external systems with account token substitution |
US20120136796A1 (en) * | 2010-09-21 | 2012-05-31 | Ayman Hammad | Device Enrollment System and Method |
US20120284195A1 (en) * | 2011-05-04 | 2012-11-08 | Mcmillen Glenn Curtiss | Method and system for secure user registration |
EP2437530B1 (en) * | 2010-10-01 | 2019-01-30 | Giesecke+Devrient Mobile Security GmbH | Method for provisioning of a network access for a mobile communication device |
WO2012049832A1 (en) * | 2010-10-12 | 2012-04-19 | パナソニック株式会社 | Information processing system |
US20120209677A1 (en) | 2010-10-20 | 2012-08-16 | Mehta Kaushal N | Person-2-person social network marketing apparatuses, methods and systems |
EP3226465A1 (en) * | 2010-11-10 | 2017-10-04 | Einnovations Holdings Pte. Ltd. | Device comprising a card for providing sim and psam functionalities |
US9159187B2 (en) * | 2010-11-23 | 2015-10-13 | Concierge Holdings, Inc. | System and method for verifying user identity in a virtual environment |
WO2012073014A1 (en) * | 2010-11-29 | 2012-06-07 | Mobay Technologies Limited | A system for verifying electronic transactions |
EP2458808A1 (en) * | 2010-11-30 | 2012-05-30 | Gemalto SA | Method for accessing a secure element and corresponding secure element and system |
EP2461613A1 (en) | 2010-12-06 | 2012-06-06 | Gemalto SA | Methods and system for handling UICC data |
US9408066B2 (en) | 2010-12-06 | 2016-08-02 | Gemalto Inc. | Method for transferring securely the subscription information and user data from a first terminal to a second terminal |
KR20120076677A (en) * | 2010-12-13 | 2012-07-09 | 한국전자통신연구원 | Smart wallet servicing apparatus and layer structure operating the same |
US8788411B2 (en) | 2010-12-13 | 2014-07-22 | Ebay Inc. | RFID payment system |
US8335921B2 (en) | 2010-12-17 | 2012-12-18 | Google, Inc. | Writing application data to a secure element |
US9691055B2 (en) | 2010-12-17 | 2017-06-27 | Google Inc. | Digital wallet |
US8807440B1 (en) | 2010-12-17 | 2014-08-19 | Google Inc. | Routing secure element payment requests to an alternate application |
US8352749B2 (en) | 2010-12-17 | 2013-01-08 | Google Inc. | Local trusted services manager for a contactless smart card |
GB201021784D0 (en) * | 2010-12-22 | 2011-02-02 | Vodafone Ip Licensing Ltd | SIM Locking |
CN103282929B (en) | 2010-12-23 | 2020-04-10 | 贝宝公司 | Method and system for operating mobile device to complete ATM transaction of account holder |
US9489669B2 (en) | 2010-12-27 | 2016-11-08 | The Western Union Company | Secure contactless payment systems and methods |
TWI588761B (en) * | 2010-12-28 | 2017-06-21 | li-he Yao | Wireless secure transaction payment system and its method |
US8843125B2 (en) | 2010-12-30 | 2014-09-23 | Sk C&C | System and method for managing mobile wallet and its related credentials |
WO2012106655A2 (en) | 2011-02-05 | 2012-08-09 | Visa International Service Association | Merchant-consumer bridging platform apparatuses, methods and systems |
WO2012109628A2 (en) | 2011-02-10 | 2012-08-16 | Visa International Service Assocation | Electronic coupon issuance and redemption apparatuses, methods and systems |
US10586227B2 (en) | 2011-02-16 | 2020-03-10 | Visa International Service Association | Snap mobile payment apparatuses, methods and systems |
SG193481A1 (en) | 2011-02-16 | 2013-10-30 | Visa Int Service Ass | Snap mobile payment apparatuses, methods and systems |
WO2012116125A1 (en) | 2011-02-22 | 2012-08-30 | Visa International Service Association | Universal electronic payment apparatuses, methods and systems |
US8929861B2 (en) * | 2011-02-24 | 2015-01-06 | Blackberry Limited | Personnel access system with verification features utilizing near field communication (NFC) and related methods |
AU2012223415B2 (en) | 2011-02-28 | 2017-05-18 | Visa International Service Association | Secure anonymous transaction apparatuses, methods and systems |
KR101895243B1 (en) | 2011-03-04 | 2018-10-24 | 비자 인터네셔널 서비스 어소시에이션 | Integration of payment capability into secure elements of computers |
WO2012122060A1 (en) | 2011-03-04 | 2012-09-13 | Visa International Service Association | Cloud service facilitator apparatuses, methods and systems |
US10083444B1 (en) * | 2011-03-23 | 2018-09-25 | Qualcomm Incorporated | Biometric computing system and method for e-commerce |
US8370263B2 (en) * | 2011-03-31 | 2013-02-05 | Bank Of America Corporation | Providing trusted services management using a hybrid service model |
US8810365B2 (en) * | 2011-04-08 | 2014-08-19 | Avaya Inc. | Random location authentication |
WO2012142045A2 (en) | 2011-04-11 | 2012-10-18 | Visa International Service Association | Multiple tokenization for authentication |
CN102769846A (en) * | 2011-05-04 | 2012-11-07 | 中国银联股份有限公司 | User terminal and payment system |
US9165295B2 (en) | 2011-05-09 | 2015-10-20 | Moon J. Kim | Automated card information exchange pursuant to a commercial transaction |
US20120291095A1 (en) * | 2011-05-10 | 2012-11-15 | Tyfone, Inc. | Independent secure element management |
US9646291B2 (en) | 2011-05-11 | 2017-05-09 | Visa International Service Association | Electronic receipt manager apparatuses, methods and systems |
US8346672B1 (en) * | 2012-04-10 | 2013-01-01 | Accells Technologies (2009), Ltd. | System and method for secure transaction process via mobile device |
AU2012257312A1 (en) | 2011-05-17 | 2014-01-16 | Ping Identity Corporation | System and method for performing a secure transaction |
WO2012157755A1 (en) * | 2011-05-19 | 2012-11-22 | 日本放送協会 | Cooperative broadcast communication receiver device, resource access control program and cooperative broadcast communication system |
EP2530661A1 (en) | 2011-05-31 | 2012-12-05 | Avance Pay AG | Electronic system for quickly and securely processing transactions with mobile devices |
US8538845B2 (en) | 2011-06-03 | 2013-09-17 | Mozido, Llc | Monetary transaction system |
CN103797500A (en) | 2011-06-03 | 2014-05-14 | 维萨国际服务协会 | Virtual wallet card selection apparatuses, methods and systems |
JP6077531B2 (en) * | 2011-06-09 | 2017-02-08 | ピング アイデンティティ コーポレーション | Transaction system and method for use with mobile devices |
US8490872B2 (en) * | 2011-06-15 | 2013-07-23 | Moon J. Kim | Light-powered smart card for on-line transaction processing |
US9582598B2 (en) | 2011-07-05 | 2017-02-28 | Visa International Service Association | Hybrid applications utilizing distributed models and views apparatuses, methods and systems |
US9355393B2 (en) | 2011-08-18 | 2016-05-31 | Visa International Service Association | Multi-directional wallet connector apparatuses, methods and systems |
US10121129B2 (en) | 2011-07-05 | 2018-11-06 | Visa International Service Association | Electronic wallet checkout platform apparatuses, methods and systems |
US20130009756A1 (en) * | 2011-07-07 | 2013-01-10 | Nokia Corporation | Verification using near field communications |
US10438176B2 (en) | 2011-07-17 | 2019-10-08 | Visa International Service Association | Multiple merchant payment processor platform apparatuses, methods and systems |
US8498900B1 (en) | 2011-07-25 | 2013-07-30 | Dash Software, LLC | Bar or restaurant check-in and payment systems and methods of their operation |
WO2013019567A2 (en) | 2011-07-29 | 2013-02-07 | Visa International Service Association | Passing payment tokens through an hop/sop |
US10825001B2 (en) | 2011-08-18 | 2020-11-03 | Visa International Service Association | Multi-directional wallet connector apparatuses, methods and systems |
US10318941B2 (en) | 2011-12-13 | 2019-06-11 | Visa International Service Association | Payment platform interface widget generation apparatuses, methods and systems |
US9710807B2 (en) | 2011-08-18 | 2017-07-18 | Visa International Service Association | Third-party value added wallet features and interfaces apparatuses, methods and systems |
US8572707B2 (en) | 2011-08-18 | 2013-10-29 | Teletech Holdings, Inc. | Multiple authentication mechanisms for accessing service center supporting a variety of products |
US10242358B2 (en) | 2011-08-18 | 2019-03-26 | Visa International Service Association | Remote decoupled application persistent state apparatuses, methods and systems |
US20130054473A1 (en) * | 2011-08-23 | 2013-02-28 | Htc Corporation | Secure Payment Method, Mobile Device and Secure Payment System |
WO2013029014A2 (en) | 2011-08-24 | 2013-02-28 | Visa International Service Association | Method for using barcodes and mobile devices to conduct payment transactions |
US10239256B2 (en) | 2012-06-12 | 2019-03-26 | Elwha Llc | Food printing additive layering substrate structure ingestible material preparation system and method |
US10121218B2 (en) | 2012-06-12 | 2018-11-06 | Elwha Llc | Substrate structure injection treatment system and method for ingestible product system and method |
US20130331981A1 (en) | 2012-06-12 | 2013-12-12 | Elwha LLC, a limited liability company of the State of Delaware | Substrate Structure Deposition Treatment System And Method For Ingestible Product System And Method |
US10192037B2 (en) | 2011-08-26 | 2019-01-29 | Elwah LLC | Reporting system and method for ingestible product preparation system and method |
US10115093B2 (en) | 2011-08-26 | 2018-10-30 | Elwha Llc | Food printing goal implementation substrate structure ingestible material preparation system and method |
WO2013030832A1 (en) * | 2011-08-31 | 2013-03-07 | Accells Technologies (2009) Ltd. | System and method for secure transaction process via mobile device |
US8862767B2 (en) | 2011-09-02 | 2014-10-14 | Ebay Inc. | Secure elements broker (SEB) for application communication channel selector optimization |
US8943150B2 (en) * | 2011-09-12 | 2015-01-27 | Fiserv, Inc. | Systems and methods for customizing mobile applications based upon user associations with one or more entities |
US9204298B2 (en) * | 2011-09-13 | 2015-12-01 | Bank Of America Corporation | Multilevel authentication |
AU2013206454B2 (en) * | 2011-09-15 | 2014-05-15 | Google Llc | Enabling users to select between secure service providers using a central trusted service manager |
US8255687B1 (en) | 2011-09-15 | 2012-08-28 | Google Inc. | Enabling users to select between secure service providers using a key escrow service |
US8171525B1 (en) | 2011-09-15 | 2012-05-01 | Google Inc. | Enabling users to select between secure service providers using a central trusted service manager |
US8313036B1 (en) | 2011-09-16 | 2012-11-20 | Google Inc. | Secure application directory |
US9117225B2 (en) | 2011-09-16 | 2015-08-25 | Visa International Service Association | Apparatuses, methods and systems for transforming user infrastructure requests inputs to infrastructure design product and infrastructure allocation outputs |
US20130073467A1 (en) * | 2011-09-16 | 2013-03-21 | Verizon Patent And Licensing Inc. | Method and system for conducting financial transactions using mobile devices |
US20130073458A1 (en) * | 2011-09-19 | 2013-03-21 | Cardinalcommerce Corporation | Open wallet for electronic transactions |
US10223730B2 (en) | 2011-09-23 | 2019-03-05 | Visa International Service Association | E-wallet store injection search apparatuses, methods and systems |
FI20115945A0 (en) * | 2011-09-28 | 2011-09-28 | Onsun Oy | payment |
US8769624B2 (en) | 2011-09-29 | 2014-07-01 | Apple Inc. | Access control utilizing indirect authentication |
US9002322B2 (en) | 2011-09-29 | 2015-04-07 | Apple Inc. | Authentication with secondary approver |
CN103843012A (en) * | 2011-10-13 | 2014-06-04 | 索尼公司 | Information processing device and method, and program |
US9105025B2 (en) | 2011-10-17 | 2015-08-11 | Capital One Financial Corporation | Enhanced near field communications attachment |
US9183490B2 (en) | 2011-10-17 | 2015-11-10 | Capital One Financial Corporation | System and method for providing contactless payment with a near field communications attachment |
US10482457B2 (en) | 2011-10-17 | 2019-11-19 | Capital One Services, Llc | System and method for token-based payments |
US8271394B1 (en) | 2011-10-27 | 2012-09-18 | Bogaard Erik T | Confirming local marketplace transaction consummation for online payment consummation |
US10339525B2 (en) * | 2011-10-27 | 2019-07-02 | Boom! Payments, Inc. | Confirming local marketplace transaction consummation for online payment consummation |
MX341641B (en) * | 2011-11-01 | 2016-08-29 | Google Inc | Systems, methods, and computer program products for interfacing multiple service provider trusted service managers and secure elements. |
US9544759B2 (en) | 2011-11-01 | 2017-01-10 | Google Inc. | Systems, methods, and computer program products for managing states |
CN102404025B (en) * | 2011-11-16 | 2016-09-07 | 中兴通讯股份有限公司 | A kind of terminal and the method processing payment transaction |
US10438196B2 (en) | 2011-11-21 | 2019-10-08 | Mozido, Inc. | Using a mobile wallet infrastructure to support multiple mobile wallet providers |
EP2786548B1 (en) * | 2011-11-29 | 2018-04-11 | CardLogix | Layered security for age verification and transaction authorization |
WO2013085517A1 (en) * | 2011-12-08 | 2013-06-13 | Intel Corporation | Method and apparatus for policy-based content sharing in a peer to peer manner using a hardware based root of trust |
US8918855B2 (en) * | 2011-12-09 | 2014-12-23 | Blackberry Limited | Transaction provisioning for mobile wireless communications devices and related methods |
US9953378B2 (en) | 2012-04-27 | 2018-04-24 | Visa International Service Association | Social checkout widget generation and integration apparatuses, methods and systems |
WO2013090611A2 (en) | 2011-12-13 | 2013-06-20 | Visa International Service Association | Dynamic widget generator apparatuses, methods and systems |
US8712394B2 (en) | 2011-12-14 | 2014-04-29 | Blackberry Limited | Systems, methods, and apparatus to prepare a mobile device for provisioning |
CN104769622A (en) * | 2011-12-21 | 2015-07-08 | 英特尔公司 | Method for authentication using biometric data for mobile device e-commerce transactions |
US9779399B2 (en) | 2011-12-22 | 2017-10-03 | Intel Corporation | Multi user electronic wallet and management thereof |
US8762276B2 (en) | 2011-12-28 | 2014-06-24 | Nokia Corporation | Method and apparatus for utilizing recognition data in conducting transactions |
US10373161B2 (en) * | 2011-12-30 | 2019-08-06 | Paypal, Inc. | Offline mobile phone payments |
RU2017131424A (en) | 2012-01-05 | 2019-02-06 | Виза Интернэшнл Сервис Ассосиэйшн | TRANSFER DATA PROTECTION |
US10223710B2 (en) | 2013-01-04 | 2019-03-05 | Visa International Service Association | Wearable intelligent vision device apparatuses, methods and systems |
US11308227B2 (en) | 2012-01-09 | 2022-04-19 | Visa International Service Association | Secure dynamic page content and layouts apparatuses, methods and systems |
US10262148B2 (en) | 2012-01-09 | 2019-04-16 | Visa International Service Association | Secure dynamic page content and layouts apparatuses, methods and systems |
US9830595B2 (en) | 2012-01-26 | 2017-11-28 | Visa International Service Association | System and method of providing tokenization as a service |
AU2013214801B2 (en) | 2012-02-02 | 2018-06-21 | Visa International Service Association | Multi-source, multi-dimensional, cross-entity, multimedia database platform apparatuses, methods and systems |
CN103186858B (en) * | 2012-02-05 | 2016-06-01 | 深圳市可秉资产管理合伙企业(有限合伙) | Credible service management |
SG193041A1 (en) | 2012-02-21 | 2013-09-30 | Global Blue Holdings Ab | Transaction processing system and method |
US9767453B2 (en) | 2012-02-23 | 2017-09-19 | XRomb Inc. | System and method for processing payment during an electronic commerce transaction |
FR2987529B1 (en) * | 2012-02-27 | 2014-03-14 | Morpho | METHOD FOR VERIFYING IDENTITY OF A USER OF A COMMUNICATING TERMINAL AND ASSOCIATED SYSTEM |
US8385553B1 (en) | 2012-02-28 | 2013-02-26 | Google Inc. | Portable secure element |
US9811827B2 (en) | 2012-02-28 | 2017-11-07 | Google Inc. | System and method for providing transaction verification |
CN103268249B (en) * | 2012-03-04 | 2016-11-16 | 深圳市可秉资产管理合伙企业(有限合伙) | The method and apparatus simulating multiple cards in the mobile device |
US10282724B2 (en) * | 2012-03-06 | 2019-05-07 | Visa International Service Association | Security system incorporating mobile device |
FR2988196B1 (en) * | 2012-03-19 | 2014-03-28 | Morpho | METHOD FOR AUTHENTICATING AN INDIVIDUAL BEARING AN IDENTIFICATION OBJECT |
US20130260734A1 (en) * | 2012-04-03 | 2013-10-03 | Cellco Partnership D/B/A Verizon Wireless | Systems, methods, and computer program products for detecting and managing changes associated with mobile wallets |
US8429409B1 (en) | 2012-04-06 | 2013-04-23 | Google Inc. | Secure reset of personal and service provider information on mobile devices |
CA2870283C (en) * | 2012-04-13 | 2021-07-06 | Ologn Technologies Ag | Apparatuses, methods and systems for computer-based secure transactions |
CN107369015B (en) * | 2012-04-18 | 2021-01-08 | 谷歌有限责任公司 | Processing payment transactions without a secure element |
US10235668B1 (en) * | 2012-04-25 | 2019-03-19 | Wells Fargo Bank, N.A. | System and method for a mobile wallet |
WO2013166501A1 (en) | 2012-05-04 | 2013-11-07 | Visa International Service Association | System and method for local data conversion |
US8949974B2 (en) * | 2012-05-11 | 2015-02-03 | Tyfone, Inc. | Mobile device with password protected desktop screen |
US9524501B2 (en) | 2012-06-06 | 2016-12-20 | Visa International Service Association | Method and system for correlating diverse transaction data |
US9043903B2 (en) | 2012-06-08 | 2015-05-26 | Crowdstrike, Inc. | Kernel-level security agent |
US20130332353A1 (en) * | 2012-06-08 | 2013-12-12 | American Express Travel Related Services Company, Inc. | System and method for using flexible circuitry in payment accessories |
US9292881B2 (en) * | 2012-06-29 | 2016-03-22 | Crowdstrike, Inc. | Social sharing of security information in a group |
US9547769B2 (en) | 2012-07-03 | 2017-01-17 | Visa International Service Association | Data protection hub |
PL400043A1 (en) | 2012-07-19 | 2014-01-20 | Popla Spólka Z Ograniczona Odpowiedzialnoscia | The method of secure wireless data transmission between peripheral devices of a computer system and a portable telecommunications device with a display, especially between an isolated accounting system of operations and a user's portable telecommunications device |
US9846861B2 (en) | 2012-07-25 | 2017-12-19 | Visa International Service Association | Upstream and downstream data conversion |
US9256871B2 (en) | 2012-07-26 | 2016-02-09 | Visa U.S.A. Inc. | Configurable payment tokens |
US8676709B2 (en) | 2012-07-31 | 2014-03-18 | Google Inc. | Merchant category codes in a proxy card transaction |
US9665722B2 (en) | 2012-08-10 | 2017-05-30 | Visa International Service Association | Privacy firewall |
DE102012016164A1 (en) * | 2012-08-14 | 2014-02-20 | Giesecke & Devrient Gmbh | Security element and method for installing data in the security element |
CA3202407A1 (en) | 2012-08-24 | 2014-02-27 | Samsung Electronics Co., Ltd. | Apparatus and method for providing interaction information by using image on device display |
US9867043B2 (en) * | 2012-08-28 | 2018-01-09 | Visa International Service Association | Secure device service enrollment |
US9258295B1 (en) * | 2012-08-31 | 2016-02-09 | Cisco Technology, Inc. | Secure over-the-air provisioning for handheld and desktop devices and services |
EP2706770A1 (en) * | 2012-09-06 | 2014-03-12 | Gemalto SA | Method for cloning a secure element |
AU2013315510B2 (en) | 2012-09-11 | 2019-08-22 | Visa International Service Association | Cloud-based Virtual Wallet NFC Apparatuses, methods and systems |
US20140082569A1 (en) * | 2012-09-17 | 2014-03-20 | Steven Robert Borgman | Security System and Methods For Portable Devices |
EP2852910B1 (en) | 2012-09-18 | 2018-09-05 | Google LLC | Systems, methods, and computer program products for interfacing multiple service provider trusted service managers and secure elements |
US10692136B2 (en) * | 2012-09-21 | 2020-06-23 | Capital One Services, Llc | System and method for opening an account using a mobile device |
US11341749B2 (en) * | 2012-09-28 | 2022-05-24 | Avaya Inc. | System and method to identify visitors and provide contextual services |
CN103530775B (en) * | 2012-09-28 | 2020-11-03 | 深圳市可秉资产管理合伙企业(有限合伙) | Method and system for providing a controllable trusted service management platform |
US9495524B2 (en) | 2012-10-01 | 2016-11-15 | Nxp B.V. | Secure user authentication using a master secure element |
US10147090B2 (en) | 2012-10-01 | 2018-12-04 | Nxp B.V. | Validating a transaction with a secure input without requiring pin code entry |
US9342695B2 (en) * | 2012-10-02 | 2016-05-17 | Mordecai Barkan | Secured automated or semi-automated systems |
WO2014055372A2 (en) | 2012-10-02 | 2014-04-10 | Mordecai Barkan | Secure computer architectures, systems, and applications |
US9672360B2 (en) | 2012-10-02 | 2017-06-06 | Mordecai Barkan | Secure computer architectures, systems, and applications |
US11188652B2 (en) | 2012-10-02 | 2021-11-30 | Mordecai Barkan | Access management and credential protection |
US9792035B2 (en) * | 2012-10-09 | 2017-10-17 | Mastercard International Incorporated | System and method for payment using a mobile device |
US9665858B1 (en) | 2012-10-11 | 2017-05-30 | Square, Inc. | Cardless payment transactions with multiple users |
CA3126471A1 (en) | 2012-10-17 | 2014-04-17 | Royal Bank Of Canada | Virtualization and secure processing of data |
US11210648B2 (en) | 2012-10-17 | 2021-12-28 | Royal Bank Of Canada | Systems, methods, and devices for secure generation and processing of data sets representing pre-funded payments |
US11080701B2 (en) | 2015-07-02 | 2021-08-03 | Royal Bank Of Canada | Secure processing of electronic payments |
US10176478B2 (en) | 2012-10-23 | 2019-01-08 | Visa International Service Association | Transaction initiation determination system utilizing transaction data elements |
US9787568B2 (en) | 2012-11-05 | 2017-10-10 | Cercacor Laboratories, Inc. | Physiological test credit method |
US9098709B2 (en) * | 2012-11-13 | 2015-08-04 | International Business Machines Corporation | Protection of user data in hosted application environments |
US9911118B2 (en) | 2012-11-21 | 2018-03-06 | Visa International Service Association | Device pairing via trusted intermediary |
WO2014087381A1 (en) | 2012-12-07 | 2014-06-12 | Visa International Service Association | A token generating component |
US8978111B2 (en) | 2012-12-21 | 2015-03-10 | Ebay, Inc. | Method and apparatus for using sensors on a portable electronic device to verify transactions |
EP2750092A1 (en) * | 2012-12-27 | 2014-07-02 | Gemalto SA | Method for controlling a contactless transaction |
US8438631B1 (en) * | 2013-01-24 | 2013-05-07 | Sideband Networks, Inc. | Security enclave device to extend a virtual secure processing environment to a client device |
CN103914713B (en) * | 2012-12-30 | 2017-05-31 | 北京握奇数据系统有限公司 | A kind of method for changing application of IC cards type, intelligent terminal, service platform and system |
US8448238B1 (en) * | 2013-01-23 | 2013-05-21 | Sideband Networks, Inc. | Network security as a service using virtual secure channels |
US9741051B2 (en) | 2013-01-02 | 2017-08-22 | Visa International Service Association | Tokenization and third-party interaction |
US10740731B2 (en) | 2013-01-02 | 2020-08-11 | Visa International Service Association | Third party settlement |
KR102041452B1 (en) | 2013-01-03 | 2019-11-06 | 휴렛-팩커드 디벨롭먼트 컴퍼니, 엘.피. | Image forming apparatus supporting function of near field communication (NFC) and method for performing setting of image job using NFC device thereof |
JP2014138238A (en) * | 2013-01-16 | 2014-07-28 | Nec Saitama Ltd | Portable terminal device, wireless communication device, wireless communication system and wireless communication method |
CN104009962B (en) * | 2013-02-26 | 2018-01-16 | 中国银联股份有限公司 | Equipment for safety information interaction |
US8924259B2 (en) | 2013-03-14 | 2014-12-30 | Square, Inc. | Mobile device payments |
US9787669B2 (en) | 2013-03-14 | 2017-10-10 | Comcast Cable Communications, Llc | Identity authentication using credentials |
WO2014141202A1 (en) | 2013-03-15 | 2014-09-18 | Ologn Technologies Ag | Systems, methods and apparatuses for securely storing and providing payment information |
US20140282925A1 (en) * | 2013-03-15 | 2014-09-18 | Sypris Electronics, Llc | Personal Authentication Device and System for Securing Transactions on a Mobile Device |
US9984364B2 (en) | 2013-03-15 | 2018-05-29 | George Baldwin Bumiller | Messaging protocol for secure communication |
US20140279566A1 (en) * | 2013-03-15 | 2014-09-18 | Samsung Electronics Co., Ltd. | Secure mobile payment using media binding |
US9887983B2 (en) | 2013-10-29 | 2018-02-06 | Nok Nok Labs, Inc. | Apparatus and method for implementing composite authenticators |
US10706132B2 (en) | 2013-03-22 | 2020-07-07 | Nok Nok Labs, Inc. | System and method for adaptive user authentication |
US10270748B2 (en) * | 2013-03-22 | 2019-04-23 | Nok Nok Labs, Inc. | Advanced authentication techniques and applications |
US11055710B2 (en) | 2013-05-02 | 2021-07-06 | Visa International Service Association | Systems and methods for verifying and processing transactions using virtual currency |
SG10201709411RA (en) | 2013-05-15 | 2018-01-30 | Visa Int Service Ass | Mobile tokenization hub |
CN105493116A (en) | 2013-05-15 | 2016-04-13 | 维萨国际服务协会 | Methods and systems for provisioning payment credentials |
US9324068B2 (en) | 2013-05-16 | 2016-04-26 | Avant-Garde Ip Llc | System, method and article of manufacture to facilitate a financial transaction without unlocking a mobile device |
US10217103B2 (en) | 2013-05-16 | 2019-02-26 | Avant-Garde Ip Llc | System, method and article of manufacture to facilitate a financial transaction without unlocking a mobile device |
US10019710B2 (en) | 2013-05-16 | 2018-07-10 | Avant-Garde Ip Llc | System, method and article of manufacture to facilitate a financial transaction without unlocking a mobile device |
CN105379326A (en) * | 2013-05-21 | 2016-03-02 | 谷歌公司 | Systems, methods, and computer program products for managing states |
US9961077B2 (en) | 2013-05-30 | 2018-05-01 | Nok Nok Labs, Inc. | System and method for biometric authentication with device attestation |
US20140358794A1 (en) * | 2013-06-04 | 2014-12-04 | Ncr Corporation | Techniques for credit card processing |
US10535066B2 (en) * | 2013-06-17 | 2020-01-14 | Paypal, Inc. | Systems and methods for securing pins during EMV chip and pin payments |
US10878422B2 (en) | 2013-06-17 | 2020-12-29 | Visa International Service Association | System and method using merchant token |
CN110995689A (en) * | 2013-06-24 | 2020-04-10 | 阿里巴巴集团控股有限公司 | Method and device for user identity authentication |
US9088409B2 (en) * | 2013-06-25 | 2015-07-21 | International Business Machines Corporation | Accessing local applications when roaming using a NFC mobile device |
US20150019417A1 (en) * | 2013-06-26 | 2015-01-15 | Google Inc. | Updating a digital wallet from financial account issuer |
US20150006376A1 (en) * | 2013-06-27 | 2015-01-01 | Ebay Inc. | Conductive payment device |
US20150012437A1 (en) * | 2013-07-03 | 2015-01-08 | Brandom | Authentication system and method using mobile terminal |
CN105556553B (en) | 2013-07-15 | 2020-10-16 | 维萨国际服务协会 | Secure remote payment transaction processing |
RU2681366C2 (en) | 2013-07-24 | 2019-03-06 | Виза Интернэшнл Сервис Ассосиэйшн | Systems and methods for communicating risk using token assurance data |
CN105518733A (en) | 2013-07-26 | 2016-04-20 | 维萨国际服务协会 | Provisioning payment credentials to a consumer |
CN104348616B (en) * | 2013-07-26 | 2018-02-23 | 中国移动通信集团公司 | A kind of method, apparatus and system for accessing terminal security component |
US9603090B2 (en) * | 2013-08-08 | 2017-03-21 | Apple Inc. | Management of near field communications using low power modes of an electronic device |
SG11201600909QA (en) | 2013-08-08 | 2016-03-30 | Visa Int Service Ass | Methods and systems for provisioning mobile devices with payment credentials |
US10198726B2 (en) * | 2013-08-08 | 2019-02-05 | Apple Inc. | Low power mode for payment transactions |
US10496986B2 (en) | 2013-08-08 | 2019-12-03 | Visa International Service Association | Multi-network tokenization processing |
US11556915B2 (en) * | 2013-08-08 | 2023-01-17 | Apple Inc. | Low power mode for payment transactions |
US9646303B2 (en) | 2013-08-15 | 2017-05-09 | Visa International Service Association | Secure remote payment transaction processing using a secure element |
US8904195B1 (en) | 2013-08-21 | 2014-12-02 | Citibank, N.A. | Methods and systems for secure communications between client applications and secure elements in mobile devices |
US20150058213A1 (en) * | 2013-08-21 | 2015-02-26 | Rogers Communications Inc. | Preventative security for credential transmission using smart cards |
WO2015025282A2 (en) * | 2013-08-21 | 2015-02-26 | Visa International Service Association | Methods and systems for transferring electronic money |
US9898642B2 (en) | 2013-09-09 | 2018-02-20 | Apple Inc. | Device, method, and graphical user interface for manipulating user interfaces based on fingerprint sensor inputs |
US10181117B2 (en) * | 2013-09-12 | 2019-01-15 | Intel Corporation | Methods and arrangements for a personal point of sale device |
US9392103B2 (en) * | 2013-09-13 | 2016-07-12 | Facebook, Inc. | Techniques for mobile device personalization |
CN104467923B (en) * | 2013-09-16 | 2017-05-31 | 北京三星通信技术研究有限公司 | Method, equipment and system that equipment is interacted |
US20150081554A1 (en) * | 2013-09-18 | 2015-03-19 | Erick Wong | Systems and Methods for Managing Mobile Account Holder Verification Methods |
RU2663476C2 (en) | 2013-09-20 | 2018-08-06 | Виза Интернэшнл Сервис Ассосиэйшн | Remote payment transactions protected processing, including authentication of consumers |
US20150095238A1 (en) | 2013-09-30 | 2015-04-02 | Apple Inc. | Online payments using a secure element of an electronic device |
US10878414B2 (en) | 2013-09-30 | 2020-12-29 | Apple Inc. | Multi-path communication of electronic device secure element data for online payments |
US11748746B2 (en) | 2013-09-30 | 2023-09-05 | Apple Inc. | Multi-path communication of electronic device secure element data for online payments |
FR3011434B1 (en) * | 2013-10-02 | 2017-05-19 | Time Reversal Communications | METHOD FOR UNLOCKING A SECURE DEVICE AND DEVICE |
US9978094B2 (en) | 2013-10-11 | 2018-05-22 | Visa International Service Association | Tokenization revocation list |
JP6386567B2 (en) | 2013-10-11 | 2018-09-05 | ビザ インターナショナル サービス アソシエーション | Network token system |
US10515358B2 (en) | 2013-10-18 | 2019-12-24 | Visa International Service Association | Contextual transaction token methods and systems |
US10489779B2 (en) | 2013-10-21 | 2019-11-26 | Visa International Service Association | Multi-network token bin routing with defined verification parameters |
US9721314B2 (en) | 2013-10-28 | 2017-08-01 | Square, Inc. | Apportioning shared financial expenses |
US10366387B2 (en) | 2013-10-29 | 2019-07-30 | Visa International Service Association | Digital wallet system and method |
CN104580125B (en) * | 2013-10-29 | 2019-03-01 | 腾讯科技(深圳)有限公司 | A kind of payment verification methods, devices and systems |
US8930274B1 (en) | 2013-10-30 | 2015-01-06 | Google Inc. | Securing payment transactions with rotating application transaction counters |
CN104599121B (en) * | 2013-10-30 | 2017-04-12 | 腾讯科技(深圳)有限公司 | Information transmission method, device and system |
US10121144B2 (en) * | 2013-11-04 | 2018-11-06 | Apple Inc. | Using biometric authentication for NFC-based payments |
US11037131B2 (en) | 2013-11-15 | 2021-06-15 | Apple Inc. | Electronic receipts for NFC-based financial transactions |
US11392937B2 (en) | 2013-11-15 | 2022-07-19 | Apple Inc. | Generating transaction identifiers |
US11042846B2 (en) * | 2013-11-15 | 2021-06-22 | Apple Inc. | Generating transaction identifiers |
SG10201900029SA (en) | 2013-11-19 | 2019-02-27 | Visa Int Service Ass | Automated account provisioning |
US9037491B1 (en) * | 2013-11-26 | 2015-05-19 | Square, Inc. | Card reader emulation for cardless transactions |
US9384485B1 (en) * | 2013-11-26 | 2016-07-05 | American Express Travel Related Services Company, Inc. | Systems and methods for rapidly provisioning functionality to one or more mobile communication devices |
US10489772B2 (en) * | 2013-11-27 | 2019-11-26 | At&T Intellectual Property I, L.P. | Out-of-band device verification of transactions |
BR112016012359A2 (en) * | 2013-12-02 | 2017-08-08 | Mastercard International Inc | METHOD AND SYSTEM FOR SECURE TRANSMISSION OF REMOTE NOTIFICATION SERVICE MESSAGES TO MOBILE DEVICES WITHOUT SECURE ELEMENTS |
US9922322B2 (en) | 2013-12-19 | 2018-03-20 | Visa International Service Association | Cloud-based transactions with magnetic secure transmission |
CA2931093A1 (en) | 2013-12-19 | 2015-06-25 | Visa International Service Association | Cloud-based transactions methods and systems |
US10433128B2 (en) | 2014-01-07 | 2019-10-01 | Visa International Service Association | Methods and systems for provisioning multiple devices |
US9203842B2 (en) * | 2014-01-07 | 2015-12-01 | Cellco Partnership | Establishing connections for secure element communications |
US9846878B2 (en) | 2014-01-14 | 2017-12-19 | Visa International Service Association | Payment account identifier system |
CN103793815B (en) * | 2014-01-23 | 2017-01-11 | 武汉天喻信息产业股份有限公司 | Mobile intelligent terminal acquirer system and method suitable for bank cards and business cards |
CN103856485B (en) * | 2014-02-14 | 2017-05-10 | 武汉天喻信息产业股份有限公司 | System and method for initializing safety indicator of credible user interface |
US10289405B2 (en) | 2014-03-20 | 2019-05-14 | Crowdstrike, Inc. | Integrity assurance and rebootless updating during runtime |
US10026087B2 (en) | 2014-04-08 | 2018-07-17 | Visa International Service Association | Data passed in an interaction |
US10402799B1 (en) | 2014-04-15 | 2019-09-03 | United Services Automobile Association (Usaa) | Systems and methods for distributed currency management |
US10332358B1 (en) | 2014-04-15 | 2019-06-25 | United Services Automobile Association (Usaa) | Systems and methods for distributed currency management |
US9942043B2 (en) | 2014-04-23 | 2018-04-10 | Visa International Service Association | Token security on a communication device |
US20150310421A1 (en) * | 2014-04-23 | 2015-10-29 | Rfcyber Corporation | Electronic payment transactions without POS terminals |
US20150310427A1 (en) * | 2014-04-24 | 2015-10-29 | Xilix Llc | Method, apparatus, and system for generating transaction-signing one-time password |
AU2015253182B2 (en) | 2014-05-01 | 2019-02-14 | Visa International Service Association | Data verification using access device |
US9577999B1 (en) | 2014-05-02 | 2017-02-21 | Nok Nok Labs, Inc. | Enhanced security for registration of authentication devices |
US9413533B1 (en) | 2014-05-02 | 2016-08-09 | Nok Nok Labs, Inc. | System and method for authorizing a new authenticator |
US9654469B1 (en) | 2014-05-02 | 2017-05-16 | Nok Nok Labs, Inc. | Web-based user authentication techniques and applications |
CA2945193A1 (en) | 2014-05-05 | 2015-11-12 | Visa International Service Association | System and method for token domain control |
US9912795B2 (en) | 2014-05-16 | 2018-03-06 | Avant-Garde Ip Llc | Dynamically replaceable lock screen wallpaper |
US10846694B2 (en) | 2014-05-21 | 2020-11-24 | Visa International Service Association | Offline authentication |
GB2526540A (en) * | 2014-05-23 | 2015-12-02 | Theresa L Smith | Provisioning of secure host card emulation |
US10043185B2 (en) | 2014-05-29 | 2018-08-07 | Apple Inc. | User interface for payments |
US11023890B2 (en) | 2014-06-05 | 2021-06-01 | Visa International Service Association | Identification and verification for provisioning mobile application |
US9324065B2 (en) | 2014-06-11 | 2016-04-26 | Square, Inc. | Determining languages for a multilingual interface |
US10496975B2 (en) * | 2014-07-23 | 2019-12-03 | Square, Inc. | Point of sale system with secure and unsecure modes |
US9780953B2 (en) | 2014-07-23 | 2017-10-03 | Visa International Service Association | Systems and methods for secure detokenization |
US9875347B2 (en) | 2014-07-31 | 2018-01-23 | Nok Nok Labs, Inc. | System and method for performing authentication using data analytics |
US9455979B2 (en) | 2014-07-31 | 2016-09-27 | Nok Nok Labs, Inc. | System and method for establishing trust using secure transmission protocols |
US9749131B2 (en) | 2014-07-31 | 2017-08-29 | Nok Nok Labs, Inc. | System and method for implementing a one-time-password using asymmetric cryptography |
US9450760B2 (en) | 2014-07-31 | 2016-09-20 | Nok Nok Labs, Inc. | System and method for authenticating a client to a device |
US10148630B2 (en) | 2014-07-31 | 2018-12-04 | Nok Nok Labs, Inc. | System and method for implementing a hosted authentication service |
US10484345B2 (en) | 2014-07-31 | 2019-11-19 | Visa International Service Association | System and method for identity verification across mobile applications |
WO2016022496A2 (en) | 2014-08-06 | 2016-02-11 | Apple Inc. | Reduced-size user interfaces for battery management |
US20160042356A1 (en) * | 2014-08-11 | 2016-02-11 | Gabriel Jakobson | Biometric Reading Governing Commercial Transactions via Smart Devices |
US9639839B2 (en) * | 2014-08-12 | 2017-05-02 | Egis Technology Inc. | Fingerprint recognition control methods for payment and non-payment applications |
US9779401B2 (en) * | 2014-08-19 | 2017-10-03 | Qualcomm Incorporated | Network access authentication using a point-of-sale device |
US9775029B2 (en) | 2014-08-22 | 2017-09-26 | Visa International Service Association | Embedding cloud-based functionalities in a communication device |
CA3151665A1 (en) * | 2014-08-26 | 2016-03-03 | Capital One Financial Corporation | Methods and systems for displaying account information |
US9754093B2 (en) * | 2014-08-28 | 2017-09-05 | Ncr Corporation | Methods and a system for automated authentication confidence |
WO2016036552A1 (en) | 2014-09-02 | 2016-03-10 | Apple Inc. | User interactions for a mapping application |
EP3189409B1 (en) | 2014-09-02 | 2020-01-29 | Apple Inc. | Reduced-size interfaces for managing alerts |
JP6305284B2 (en) | 2014-09-10 | 2018-04-04 | 株式会社東芝 | Portable electronic device |
US9736154B2 (en) | 2014-09-16 | 2017-08-15 | Nok Nok Labs, Inc. | System and method for integrating an authentication service within a network architecture |
US11080674B1 (en) | 2014-09-19 | 2021-08-03 | Square, Inc. | Point of sale system |
US10140615B2 (en) | 2014-09-22 | 2018-11-27 | Visa International Service Association | Secure mobile device credential provisioning using risk decision non-overrides |
US9704160B2 (en) * | 2014-09-22 | 2017-07-11 | Mastercard International Incorporated | Trusted execution environment for transport layer security key pair associated with electronic commerce and card not present transactions |
US9378502B2 (en) | 2014-09-23 | 2016-06-28 | Sony Corporation | Using biometrics to recover password in customer mobile device |
US9558488B2 (en) | 2014-09-23 | 2017-01-31 | Sony Corporation | Customer's CE device interrogating customer's e-card for transaction information |
US9355424B2 (en) | 2014-09-23 | 2016-05-31 | Sony Corporation | Analyzing hack attempts of E-cards |
US10262316B2 (en) | 2014-09-23 | 2019-04-16 | Sony Corporation | Automatic notification of transaction by bank card to customer device |
US9646307B2 (en) | 2014-09-23 | 2017-05-09 | Sony Corporation | Receiving fingerprints through touch screen of CE device |
US9317847B2 (en) | 2014-09-23 | 2016-04-19 | Sony Corporation | E-card transaction authorization based on geographic location |
US9367845B2 (en) | 2014-09-23 | 2016-06-14 | Sony Corporation | Messaging customer mobile device when electronic bank card used |
US9953323B2 (en) | 2014-09-23 | 2018-04-24 | Sony Corporation | Limiting e-card transactions based on lack of proximity to associated CE device |
US9292875B1 (en) | 2014-09-23 | 2016-03-22 | Sony Corporation | Using CE device record of E-card transactions to reconcile bank record |
WO2016049636A2 (en) | 2014-09-26 | 2016-03-31 | Visa International Service Association | Remote server encrypted data provisioning system and methods |
US11257074B2 (en) | 2014-09-29 | 2022-02-22 | Visa International Service Association | Transaction risk based token |
US9741026B1 (en) | 2014-09-30 | 2017-08-22 | Square, Inc. | Payment by use of identifier |
US10015147B2 (en) | 2014-10-22 | 2018-07-03 | Visa International Service Association | Token enrollment system and method |
CN104299133B (en) * | 2014-10-22 | 2017-10-24 | 齐鲁工业大学 | Online mobile-payment system and authentic authentication method based on body-sensing net |
GB201419016D0 (en) | 2014-10-24 | 2014-12-10 | Visa Europe Ltd | Transaction Messaging |
US20160117682A1 (en) * | 2014-10-28 | 2016-04-28 | Ebay Inc. | Secure seamless payments |
US10019604B2 (en) * | 2014-10-31 | 2018-07-10 | Xiaomi Inc. | Method and apparatus of verifying terminal and medium |
WO2016070295A1 (en) | 2014-11-06 | 2016-05-12 | Toc S.A. | Two-factor authentication method for increasing the security of transactions between a user and a transaction point or system |
US10325261B2 (en) | 2014-11-25 | 2019-06-18 | Visa International Service Association | Systems communications with non-sensitive identifiers |
US9883395B2 (en) * | 2014-11-25 | 2018-01-30 | Google Llc | Securely accessing secure elements |
CA2964791A1 (en) | 2014-11-26 | 2016-06-02 | Visa International Service Association | Tokenization request via access device |
US10263959B2 (en) | 2014-11-28 | 2019-04-16 | Samsung Electronics Co., Ltd. | Method for communicating medical data |
US9942200B1 (en) * | 2014-12-02 | 2018-04-10 | Trend Micro Inc. | End user authentication using a virtual private network |
KR20160066728A (en) | 2014-12-03 | 2016-06-13 | 삼성전자주식회사 | Nfc package for storing biometric information and electronic device |
EP3231157B1 (en) | 2014-12-12 | 2020-05-20 | Visa International Service Association | Provisioning platform for machine-to-machine devices |
US10257185B2 (en) | 2014-12-12 | 2019-04-09 | Visa International Service Association | Automated access data provisioning |
US10187363B2 (en) | 2014-12-31 | 2019-01-22 | Visa International Service Association | Hybrid integration of software development kit with secure execution environment |
US20160203479A1 (en) * | 2015-01-13 | 2016-07-14 | Cyber Reliant Corporation | System and method for the protection of consumer financial data utilizing dynamic content shredding |
WO2016115620A1 (en) | 2015-01-19 | 2016-07-28 | Royal Bank Of Canada | Secure processing of electronic payments |
US11354651B2 (en) | 2015-01-19 | 2022-06-07 | Royal Bank Of Canada | System and method for location-based token transaction processing |
US10096009B2 (en) | 2015-01-20 | 2018-10-09 | Visa International Service Association | Secure payment processing using authorization request |
US11250391B2 (en) | 2015-01-30 | 2022-02-15 | Visa International Service Association | Token check offline |
US20160224973A1 (en) * | 2015-02-01 | 2016-08-04 | Apple Inc. | User interface for payments |
WO2016126729A1 (en) | 2015-02-03 | 2016-08-11 | Visa International Service Association | Validation identity tokens for transactions |
US11216468B2 (en) | 2015-02-08 | 2022-01-04 | Visa International Service Association | Converged merchant processing apparatuses, methods and systems |
US10977657B2 (en) | 2015-02-09 | 2021-04-13 | Visa International Service Association | Token processing utilizing multiple authorizations |
US9574896B2 (en) | 2015-02-13 | 2017-02-21 | Apple Inc. | Navigation user interface |
CN105991590B (en) | 2015-02-15 | 2019-10-18 | 阿里巴巴集团控股有限公司 | A kind of method, system, client and server for verifying user identity |
US10164996B2 (en) | 2015-03-12 | 2018-12-25 | Visa International Service Association | Methods and systems for providing a low value token buffer |
SG11201706576TA (en) | 2015-04-10 | 2017-09-28 | Visa Int Service Ass | Browser integration with cryptogram |
US9998978B2 (en) | 2015-04-16 | 2018-06-12 | Visa International Service Association | Systems and methods for processing dormant virtual access devices |
US10552834B2 (en) | 2015-04-30 | 2020-02-04 | Visa International Service Association | Tokenization capable authentication framework |
US9781105B2 (en) | 2015-05-04 | 2017-10-03 | Ping Identity Corporation | Fallback identity authentication techniques |
US9526009B1 (en) | 2015-05-29 | 2016-12-20 | Qualcomm Incorporated | Protecting data stored on a mobile communication device utilizing a personal identification number code of a universal integrated circuit card |
US20160358133A1 (en) | 2015-06-05 | 2016-12-08 | Apple Inc. | User interface for loyalty accounts and private label accounts for a wearable device |
US9940637B2 (en) | 2015-06-05 | 2018-04-10 | Apple Inc. | User interface for loyalty accounts and private label accounts |
US11599879B2 (en) | 2015-07-02 | 2023-03-07 | Royal Bank Of Canada | Processing of electronic transactions |
CN105631655A (en) * | 2015-07-23 | 2016-06-01 | 宇龙计算机通信科技(深圳)有限公司 | HCE-based mobile payment method, device and mobile terminal |
US10339316B2 (en) | 2015-07-28 | 2019-07-02 | Crowdstrike, Inc. | Integrity assurance through early loading in the boot phase |
WO2017024188A1 (en) | 2015-08-05 | 2017-02-09 | Alibaba Group Holding Limited | Method and apparatus for service authentication cross-reference to related applications |
CN106447323A (en) * | 2015-08-05 | 2017-02-22 | 阿里巴巴集团控股有限公司 | Service verification method and service verification device |
WO2017026990A1 (en) * | 2015-08-07 | 2017-02-16 | Hewlett Packard Enterprise Development Lp | Network trusted service manager |
US11157905B2 (en) * | 2015-08-29 | 2021-10-26 | Mastercard International Incorporated | Secure on device cardholder authentication using biometric data |
CN105205665A (en) * | 2015-08-31 | 2015-12-30 | 深圳市雪球科技有限公司 | Method and apparatus for providing credit for load states |
US10445713B2 (en) | 2015-09-03 | 2019-10-15 | Mastercard International Incorporated | Mobile-compatible offering of commercially identical items for post-retail sale |
US11080675B1 (en) * | 2015-09-08 | 2021-08-03 | Square, Inc. | Point-of-sale system having a secure touch mode |
US9519901B1 (en) | 2015-09-16 | 2016-12-13 | Square, Inc. | Biometric payment technology |
WO2017065735A1 (en) | 2015-10-12 | 2017-04-20 | Wal-Mart Stores, Inc. | Re-using e-commerce payment instruments for in-store use systems and methods |
US11068889B2 (en) | 2015-10-15 | 2021-07-20 | Visa International Service Association | Instant token issuance |
US9483693B1 (en) * | 2015-11-25 | 2016-11-01 | Clover Network, Inc. | Free-hand character recognition on a touch screen POS terminal |
CA3003917A1 (en) | 2015-12-04 | 2017-06-08 | Visa International Service Association | Unique code for token verification |
US20170169407A1 (en) * | 2015-12-14 | 2017-06-15 | Mikko Vaananen | Method and means for social network payments |
US10581819B1 (en) * | 2015-12-17 | 2020-03-03 | Ca, Inc. | Network traffic scanning of encrypted data |
CA3009659C (en) | 2016-01-07 | 2022-12-13 | Visa International Service Association | Systems and methods for device push provisioning |
JP6820351B2 (en) * | 2016-01-25 | 2021-01-27 | アップル インコーポレイテッドApple Inc. | Performing a transaction using an electronic device with non-native credentials |
US11080696B2 (en) | 2016-02-01 | 2021-08-03 | Visa International Service Association | Systems and methods for code display and use |
US11501288B2 (en) | 2016-02-09 | 2022-11-15 | Visa International Service Association | Resource provider account token provisioning and processing |
US10044710B2 (en) | 2016-02-22 | 2018-08-07 | Bpip Limited Liability Company | Device and method for validating a user using an intelligent voice print |
US10089501B2 (en) | 2016-03-11 | 2018-10-02 | Parabit Systems, Inc. | Multi-media reader apparatus, secure transaction system and methods thereof |
KR102594847B1 (en) * | 2016-03-23 | 2023-10-30 | 삼성전자주식회사 | Apparatus and method for providing payment information |
KR102586443B1 (en) * | 2016-03-24 | 2023-10-11 | 삼성전자주식회사 | Electronic device for providing electronic payment and method thereof |
CN105894273A (en) * | 2016-04-01 | 2016-08-24 | 郁晓东 | Method of judging payment behavior according to action |
US10313321B2 (en) | 2016-04-07 | 2019-06-04 | Visa International Service Association | Tokenization of co-network accounts |
FR3050348A1 (en) * | 2016-04-18 | 2017-10-20 | Orange | METHOD FOR OBTAINING A SECURITY TOKEN BY A MOBILE TERMINAL |
AU2016403734B2 (en) | 2016-04-19 | 2022-11-17 | Visa International Service Association | Systems and methods for performing push transactions |
CN105868983A (en) | 2016-04-26 | 2016-08-17 | 北京小米移动软件有限公司 | Information output control method and device and intelligent terminal |
US20170337558A1 (en) * | 2016-05-19 | 2017-11-23 | Mastercard International Incorporated | Method and system for voice authenticated distribution of payment credentials |
DK179186B1 (en) | 2016-05-19 | 2018-01-15 | Apple Inc | REMOTE AUTHORIZATION TO CONTINUE WITH AN ACTION |
US11250424B2 (en) | 2016-05-19 | 2022-02-15 | Visa International Service Association | Systems and methods for creating subtokens using primary tokens |
KR20230038810A (en) | 2016-06-03 | 2023-03-21 | 비자 인터네셔널 서비스 어소시에이션 | Subtoken management system for connected devices |
US10621581B2 (en) | 2016-06-11 | 2020-04-14 | Apple Inc. | User interface for transactions |
DK201670622A1 (en) | 2016-06-12 | 2018-02-12 | Apple Inc | User interfaces for transactions |
US11593797B2 (en) * | 2016-06-12 | 2023-02-28 | Apple Inc. | Authentication using a secure circuit |
US11068899B2 (en) | 2016-06-17 | 2021-07-20 | Visa International Service Association | Token aggregation for multi-party transactions |
CN109328445B (en) | 2016-06-24 | 2022-07-05 | 维萨国际服务协会 | Unique token authentication verification value |
CN106157025A (en) * | 2016-07-05 | 2016-11-23 | 清华大学深圳研究生院 | The mobile terminal safety method of payment of identity-based card and system |
US11651343B2 (en) * | 2016-07-06 | 2023-05-16 | PowerPay, LLC | Systems and method for payment transaction processing with payment application driver |
CN116471105A (en) | 2016-07-11 | 2023-07-21 | 维萨国际服务协会 | Encryption key exchange procedure using access means |
CA3026224A1 (en) | 2016-07-19 | 2018-01-25 | Visa International Service Association | Method of distributing tokens and managing token relationships |
US10769635B2 (en) | 2016-08-05 | 2020-09-08 | Nok Nok Labs, Inc. | Authentication techniques including speech and/or lip movement analysis |
US10637853B2 (en) | 2016-08-05 | 2020-04-28 | Nok Nok Labs, Inc. | Authentication techniques including speech and/or lip movement analysis |
US20180068313A1 (en) | 2016-09-06 | 2018-03-08 | Apple Inc. | User interfaces for stored-value accounts |
US10509779B2 (en) | 2016-09-14 | 2019-12-17 | Visa International Service Association | Self-cleaning token vault |
US11030618B1 (en) | 2016-09-30 | 2021-06-08 | Winkk, Inc. | Authentication and personal data sharing for partner services using out-of-band optical mark recognition |
US20180101847A1 (en) * | 2016-10-12 | 2018-04-12 | Microsoft Technology Licensing, Llc | User and device authentication for web applications |
US10496808B2 (en) | 2016-10-25 | 2019-12-03 | Apple Inc. | User interface for managing access to credentials for use in an operation |
US10679201B2 (en) * | 2016-11-04 | 2020-06-09 | Nxp B.V. | Personal point of sale (pPOS) device that provides for card present E-commerce transaction |
US20200193408A1 (en) * | 2016-11-15 | 2020-06-18 | Promisepay Pty. Ltd. | Electronic payment processing |
CN110036386B (en) | 2016-11-28 | 2023-08-22 | 维萨国际服务协会 | Access identifier supplied to application program |
US10062074B1 (en) | 2016-11-30 | 2018-08-28 | Square, Inc. | System for improving card on file transactions |
CN107038570A (en) | 2016-12-09 | 2017-08-11 | 阿里巴巴集团控股有限公司 | One kind pays page display method, client and electronic equipment |
US10645086B1 (en) * | 2016-12-30 | 2020-05-05 | Charles Schwab & Co., Inc. | System and method for handling user requests for web services |
US10091195B2 (en) | 2016-12-31 | 2018-10-02 | Nok Nok Labs, Inc. | System and method for bootstrapping a user binding |
US10237070B2 (en) | 2016-12-31 | 2019-03-19 | Nok Nok Labs, Inc. | System and method for sharing keys across authenticators |
CN107492161A (en) * | 2017-01-07 | 2017-12-19 | 邓昊晴 | A kind of lock management scheme of time-based dynamic token and low-power consumption bluetooth technology |
US10387228B2 (en) | 2017-02-21 | 2019-08-20 | Crowdstrike, Inc. | Symmetric bridge component for communications between kernel mode and user mode |
US10915899B2 (en) | 2017-03-17 | 2021-02-09 | Visa International Service Association | Replacing token on a multi-token user device |
US11514418B2 (en) * | 2017-03-19 | 2022-11-29 | Nxp B.V. | Personal point of sale (pPOS) device with a local and/or remote payment kernel that provides for card present e-commerce transaction |
US11157907B1 (en) * | 2017-04-26 | 2021-10-26 | Wells Fargo Bank, N.A. | Transaction validation and fraud mitigation |
US10805091B2 (en) * | 2017-04-28 | 2020-10-13 | Sap Se | Certificate tracking |
US10902418B2 (en) | 2017-05-02 | 2021-01-26 | Visa International Service Association | System and method using interaction token |
US11494765B2 (en) | 2017-05-11 | 2022-11-08 | Visa International Service Association | Secure remote transaction system using mobile devices |
US10693644B2 (en) | 2017-06-23 | 2020-06-23 | International Business Machines Corporation | Single-input multifactor authentication |
US10491389B2 (en) | 2017-07-14 | 2019-11-26 | Visa International Service Association | Token provisioning utilizing a secure authentication system |
CN109302289B (en) * | 2017-07-24 | 2021-07-30 | 中国移动通信有限公司研究院 | SE space management method and device |
KR102185854B1 (en) | 2017-09-09 | 2020-12-02 | 애플 인크. | Implementation of biometric authentication |
KR102301599B1 (en) | 2017-09-09 | 2021-09-10 | 애플 인크. | Implementation of biometric authentication |
US11374925B2 (en) | 2017-09-19 | 2022-06-28 | [24]7.ai, Inc. | Method and system for authenticating customers on call |
US11455622B2 (en) | 2017-11-09 | 2022-09-27 | Mastercard International Incorporated | Computer system and computer-implemented method for authenticating a contactless payment transaction |
US11868995B2 (en) | 2017-11-27 | 2024-01-09 | Nok Nok Labs, Inc. | Extending a secure key storage for transaction confirmation and cryptocurrency |
CN108038694B (en) * | 2017-12-11 | 2019-03-29 | 飞天诚信科技股份有限公司 | A kind of fiscard and its working method with fingerprint authentication function |
US11836709B2 (en) | 2017-12-22 | 2023-12-05 | Walmart Apollo, Llc | Digital wallet management system |
US11831409B2 (en) | 2018-01-12 | 2023-11-28 | Nok Nok Labs, Inc. | System and method for binding verifiable claims |
CN110062016B (en) | 2018-01-18 | 2023-05-09 | 阿里巴巴集团控股有限公司 | Method and device for trusted service management |
EP3729781B1 (en) | 2018-01-22 | 2023-11-01 | Apple Inc. | Secure login with authentication based on a visual representation of data |
CN111819555A (en) | 2018-03-07 | 2020-10-23 | 维萨国际服务协会 | Secure remote token issuance with online authentication |
CN108550368B (en) * | 2018-03-19 | 2022-05-31 | 广州合利宝支付科技有限公司 | Voice data processing method |
US11483306B2 (en) * | 2018-03-26 | 2022-10-25 | Matrics2, Inc. | Secure communication with random numbers |
US10944555B2 (en) * | 2018-05-17 | 2021-03-09 | Bose Corporation | Secure methods and systems for identifying bluetooth connected devices with installed application |
US10333707B1 (en) | 2018-05-23 | 2019-06-25 | Fmr Llc | Systems and methods for user authentication |
US11605067B2 (en) * | 2018-05-30 | 2023-03-14 | Ncr Corporation | Dynamic tag based identification for self and assisted transactions |
US11620623B2 (en) | 2018-05-31 | 2023-04-04 | Nxp B.V. | Merchant transaction mirroring for personal point of sale (pPOS) for card present e-commerce and in vehicle transaction |
US11170085B2 (en) | 2018-06-03 | 2021-11-09 | Apple Inc. | Implementation of biometric authentication |
US11256789B2 (en) | 2018-06-18 | 2022-02-22 | Visa International Service Association | Recurring token transactions |
US11637694B2 (en) | 2018-07-16 | 2023-04-25 | Winkk, Inc. | Secret material exchange and authentication cryptography operations |
CN112740207A (en) | 2018-08-22 | 2021-04-30 | 维萨国际服务协会 | Method and system for token provisioning and processing |
US10878402B1 (en) | 2018-08-31 | 2020-12-29 | Square, Inc. | Temporarily provisioning payment functionality to alternate payment instrument |
US10997583B1 (en) | 2018-08-31 | 2021-05-04 | Square, Inc. | Temporarily provisioning card on file payment functionality to proximate merchants |
CN109255872A (en) * | 2018-09-11 | 2019-01-22 | 北京小米移动软件有限公司 | Door-access control method and device |
US11551208B2 (en) | 2018-10-04 | 2023-01-10 | Verifone, Inc. | Systems and methods for point-to-point encryption compliance |
EP3881258A4 (en) | 2018-11-14 | 2022-01-12 | Visa International Service Association | Cloud token provisioning of multiple tokens |
US10812479B2 (en) | 2018-12-05 | 2020-10-20 | Fiserv, Inc. | Authenticating a user via multiple biometric inputs |
US11514177B2 (en) * | 2018-12-21 | 2022-11-29 | Verizon Patent And Licensing Inc. | Method and system for self-sovereign information management |
FR3090934A1 (en) * | 2018-12-21 | 2020-06-26 | Orange | Method and system for securing operations, and associated user station |
US11494769B2 (en) | 2019-01-10 | 2022-11-08 | Mastercard International Incorporated | System, methods and computer program products for identity authentication for electronic payment transactions |
US11328352B2 (en) | 2019-03-24 | 2022-05-10 | Apple Inc. | User interfaces for managing an account |
US11792024B2 (en) | 2019-03-29 | 2023-10-17 | Nok Nok Labs, Inc. | System and method for efficient challenge-response authentication |
CN111107525B (en) * | 2019-04-26 | 2022-01-14 | 华为技术有限公司 | Automatic routing method of SE (secure element) and electronic equipment |
US11849042B2 (en) | 2019-05-17 | 2023-12-19 | Visa International Service Association | Virtual access credential interaction system and method |
KR20210012186A (en) * | 2019-07-24 | 2021-02-03 | 삼성전자주식회사 | Electronic device and method for protecting personal informatino using secure switch |
US10839060B1 (en) * | 2019-08-27 | 2020-11-17 | Capital One Services, Llc | Techniques for multi-voice speech recognition commands |
US11582036B1 (en) * | 2019-10-18 | 2023-02-14 | Splunk Inc. | Scaled authentication of endpoint devices |
US11010764B1 (en) | 2019-11-21 | 2021-05-18 | Rockspoon, Inc. | Zero-step authentication of transactions using passive biometrics |
US11652815B2 (en) | 2019-12-10 | 2023-05-16 | Winkk, Inc. | Security platform architecture |
US20210174333A1 (en) * | 2019-12-10 | 2021-06-10 | Winkk, Inc. | Method and apparatus for optical encryption communication using a multitude of hardware configurations |
US11574045B2 (en) | 2019-12-10 | 2023-02-07 | Winkk, Inc. | Automated ID proofing using a random multitude of real-time behavioral biometric samplings |
US11563582B2 (en) | 2019-12-10 | 2023-01-24 | Winkk, Inc. | Method and apparatus for optical encryption communication using a multitude of hardware configurations |
US11936787B2 (en) | 2019-12-10 | 2024-03-19 | Winkk, Inc. | User identification proofing using a combination of user responses to system turing tests using biometric methods |
US11928193B2 (en) | 2019-12-10 | 2024-03-12 | Winkk, Inc. | Multi-factor authentication using behavior and machine learning |
US11588794B2 (en) | 2019-12-10 | 2023-02-21 | Winkk, Inc. | Method and apparatus for secure application framework and platform |
US11553337B2 (en) | 2019-12-10 | 2023-01-10 | Winkk, Inc. | Method and apparatus for encryption key exchange with enhanced security through opti-encryption channel |
US11328042B2 (en) | 2019-12-10 | 2022-05-10 | Winkk, Inc. | Automated transparent login without saved credentials or passwords |
US11657140B2 (en) | 2019-12-10 | 2023-05-23 | Winkk, Inc. | Device handoff identification proofing using behavioral analytics |
FR3104760B1 (en) * | 2019-12-13 | 2023-05-26 | Ingenico Group | METHOD, SERVER AND TRANSACTION AUTHENTICATION SYSTEM USING TWO COMMUNICATION CHANNELS |
KR20210125655A (en) | 2020-04-08 | 2021-10-19 | 삼성전자주식회사 | Electronic device and method for controlling the same |
US20210350389A1 (en) * | 2020-05-08 | 2021-11-11 | Alvaro Alberto Bautista | Notarization mobile application system and method |
US11816194B2 (en) | 2020-06-21 | 2023-11-14 | Apple Inc. | User interfaces for managing secure operations |
CN111724494B (en) * | 2020-06-27 | 2022-05-10 | 阿波罗智联(北京)科技有限公司 | Traffic information processing method and device, electronic equipment and storage medium |
US11356266B2 (en) | 2020-09-11 | 2022-06-07 | Bank Of America Corporation | User authentication using diverse media inputs and hash-based ledgers |
US11368456B2 (en) | 2020-09-11 | 2022-06-21 | Bank Of America Corporation | User security profile for multi-media identity verification |
US11843943B2 (en) | 2021-06-04 | 2023-12-12 | Winkk, Inc. | Dynamic key exchange for moving target |
US11824999B2 (en) | 2021-08-13 | 2023-11-21 | Winkk, Inc. | Chosen-plaintext secure cryptosystem and authentication |
DE102021005351A1 (en) | 2021-10-27 | 2023-04-27 | Giesecke+Devrient Mobile Security Gmbh | Authorize an application on a security element |
DE102021005350A1 (en) | 2021-10-27 | 2023-04-27 | Giesecke+Devrient Mobile Security Gmbh | Authorize an application on a security element |
US11887103B2 (en) * | 2022-05-10 | 2024-01-30 | Capital One Services, Llc | System and method for facilitating transaction account provisioning |
Citations (22)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US6175922B1 (en) * | 1996-12-04 | 2001-01-16 | Esign, Inc. | Electronic transaction systems and methods therefor |
US6282656B1 (en) * | 1996-12-04 | 2001-08-28 | Ynjiun Paul Wang | Electronic transaction systems and methods therefor |
US6330546B1 (en) * | 1992-09-08 | 2001-12-11 | Hnc Software, Inc. | Risk determination and management using predictive modeling and transaction profiles for individual transacting entities |
US20020023215A1 (en) * | 1996-12-04 | 2002-02-21 | Wang Ynjiun P. | Electronic transaction systems and methods therefor |
US20020099649A1 (en) * | 2000-04-06 | 2002-07-25 | Lee Walter W. | Identification and management of fraudulent credit/debit card purchases at merchant ecommerce sites |
US20030145205A1 (en) * | 2000-04-14 | 2003-07-31 | Branko Sarcanin | Method and system for a virtual safe |
US20030191709A1 (en) * | 2002-04-03 | 2003-10-09 | Stephen Elston | Distributed payment and loyalty processing for retail and vending |
US6850916B1 (en) * | 1998-04-27 | 2005-02-01 | Esignx Corporation | Portable electronic charge and authorization devices and methods therefor |
US20050171898A1 (en) * | 2001-07-10 | 2005-08-04 | American Express Travel Related Services Company, Inc. | Systems and methods for managing multiple accounts on a rf transaction device using secondary identification indicia |
US20050273609A1 (en) * | 2004-06-04 | 2005-12-08 | Nokia Corporation | Setting up a short-range wireless data transmission connection between devices |
US20050289078A1 (en) * | 2001-12-21 | 2005-12-29 | Jean-Philippe Wary | Electronic signature method |
US20060015580A1 (en) * | 2004-07-01 | 2006-01-19 | Home Box Office, A Delaware Corporation | Multimedia content distribution |
US7107246B2 (en) * | 1998-04-27 | 2006-09-12 | Esignx Corporation | Methods of exchanging secure messages |
US20070022058A1 (en) * | 2002-08-08 | 2007-01-25 | Fujitsu Limited | Wireless computer wallet for physical point of sale (POS) transactions |
US20070112667A1 (en) * | 2005-10-31 | 2007-05-17 | Dun And Bradstreet | System and method for providing a fraud risk score |
US7251624B1 (en) * | 1992-09-08 | 2007-07-31 | Fair Isaac Corporation | Score based decisioning |
US20080010678A1 (en) * | 2004-09-17 | 2008-01-10 | Jeff Burdette | Authentication Proxy |
US20080065885A1 (en) * | 2006-09-08 | 2008-03-13 | Yasushi Nagai | Data processing apparatus |
US20080222038A1 (en) * | 2005-07-05 | 2008-09-11 | Tomer Eden | Location Based Authentication System |
US20080275748A1 (en) * | 2007-05-04 | 2008-11-06 | Michael Sasha John | Systems and methods for facilitating electronic transactions and deterring fraud |
US20080288405A1 (en) * | 2007-05-20 | 2008-11-20 | Michael Sasha John | Systems and Methods for Automatic and Transparent Client Authentication and Online Transaction Verification |
US20080319896A1 (en) * | 2007-06-25 | 2008-12-25 | Mark Carlson | Cardless challenge systems and methods |
Family Cites Families (365)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US4408306A (en) * | 1981-09-28 | 1983-10-04 | Motorola, Inc. | Column and row erasable EEPROM |
EP0088815B1 (en) * | 1982-03-17 | 1985-12-18 | Deutsche ITT Industries GmbH | Electrically erasable memory matrix (eeprom) |
US4578777A (en) * | 1983-07-11 | 1986-03-25 | Signetics Corporation | One step write circuit arrangement for EEPROMS |
US4638430A (en) * | 1983-07-15 | 1987-01-20 | United Technologies Corporation | EAROM and EEPROM data storage management |
US4698750A (en) * | 1984-12-27 | 1987-10-06 | Motorola, Inc. | Security for integrated circuit microcomputer with EEPROM |
JPH0713879B2 (en) * | 1985-06-21 | 1995-02-15 | 三菱電機株式会社 | Semiconductor memory device |
US4763305A (en) * | 1985-11-27 | 1988-08-09 | Motorola, Inc. | Intelligent write in an EEPROM with data and erase check |
US4718041A (en) * | 1986-01-09 | 1988-01-05 | Texas Instruments Incorporated | EEPROM memory having extended life |
US4783766A (en) * | 1986-05-30 | 1988-11-08 | Seeq Technology, Inc. | Block electrically erasable EEPROM |
JP2607504B2 (en) * | 1987-02-20 | 1997-05-07 | 株式会社東芝 | Non-volatile semiconductor memory |
JPS63271679A (en) * | 1987-04-30 | 1988-11-09 | Toshiba Corp | Data writing system |
JPS6459693A (en) * | 1987-08-31 | 1989-03-07 | Oki Electric Ind Co Ltd | Control circuit for eeprom |
US4970692A (en) * | 1987-09-01 | 1990-11-13 | Waferscale Integration, Inc. | Circuit for controlling a flash EEPROM having three distinct modes of operation by allowing multiple functionality of a single pin |
US5053990A (en) * | 1988-02-17 | 1991-10-01 | Intel Corporation | Program/erase selection for flash memory |
US5043940A (en) * | 1988-06-08 | 1991-08-27 | Eliyahou Harari | Flash EEPROM memory systems having multistate storage cells |
US5095344A (en) * | 1988-06-08 | 1992-03-10 | Eliyahou Harari | Highly compact eprom and flash eeprom devices |
US5268319A (en) * | 1988-06-08 | 1993-12-07 | Eliyahou Harari | Highly compact EPROM and flash EEPROM devices |
US5168465A (en) * | 1988-06-08 | 1992-12-01 | Eliyahou Harari | Highly compact EPROM and flash EEPROM devices |
US4999812A (en) * | 1988-11-23 | 1991-03-12 | National Semiconductor Corp. | Architecture for a flash erase EEPROM memory |
DE69034191T2 (en) * | 1989-04-13 | 2005-11-24 | Sandisk Corp., Sunnyvale | EEPROM system with multi-chip block erasure |
US5337280A (en) * | 1990-09-27 | 1994-08-09 | Oki Electric Industry Co., Ltd. | EEPROM circuit |
JPH04137081A (en) * | 1990-09-28 | 1992-05-12 | Fuji Photo Film Co Ltd | Ic memory card with eeprom |
JP3137993B2 (en) * | 1991-01-16 | 2001-02-26 | 富士通株式会社 | Nonvolatile semiconductor memory device |
JP2821306B2 (en) * | 1992-03-06 | 1998-11-05 | 三菱電機株式会社 | Authentication method and system between IC card and terminal |
US6026027A (en) * | 1994-01-31 | 2000-02-15 | Norand Corporation | Flash memory system having memory cache |
US5523972A (en) * | 1994-06-02 | 1996-06-04 | Intel Corporation | Method and apparatus for verifying the programming of multi-level flash EEPROM memory |
US5594796A (en) * | 1994-10-05 | 1997-01-14 | Motorola, Inc. | Method and apparatus for detecting unauthorized distribution of data |
US6269348B1 (en) * | 1994-11-28 | 2001-07-31 | Veristar Corporation | Tokenless biometric electronic debit and credit transactions |
US5870723A (en) | 1994-11-28 | 1999-02-09 | Pare, Jr.; David Ferrin | Tokenless biometric transaction authorization method and system |
US6230148B1 (en) * | 1994-11-28 | 2001-05-08 | Veristar Corporation | Tokenless biometric electric check transaction |
US5809143A (en) * | 1995-12-12 | 1998-09-15 | Hughes; Thomas S. | Secure keyboard |
JP2000503154A (en) * | 1996-01-11 | 2000-03-14 | エムアールジェイ インコーポレイテッド | System for controlling access and distribution of digital ownership |
US6173332B1 (en) * | 1996-03-06 | 2001-01-09 | Paul L. Hickman | Method and apparatus for computing over a wide area network |
US5918158A (en) * | 1996-07-24 | 1999-06-29 | Lucent Technologies Inc. | Two-way wireless messaging system |
US5864241A (en) * | 1996-08-08 | 1999-01-26 | International Business Machines Corporation | Magnetic transducer with wear indicator in a magnetic data storage system |
US5956473A (en) * | 1996-11-25 | 1999-09-21 | Macronix International Co., Ltd. | Method and system for managing a flash memory mass storage system |
US6279069B1 (en) * | 1996-12-26 | 2001-08-21 | Intel Corporation | Interface for flash EEPROM memory arrays |
US6999936B2 (en) * | 1997-05-06 | 2006-02-14 | Sehr Richard P | Electronic ticketing system and methods utilizing multi-service visitor cards |
US6314408B1 (en) * | 1997-07-15 | 2001-11-06 | Eroom Technology, Inc. | Method and apparatus for controlling access to a product |
US6999824B2 (en) * | 1997-08-21 | 2006-02-14 | Fieldbus Foundation | System and method for implementing safety instrumented systems in a fieldbus architecture |
FI973788A (en) * | 1997-09-25 | 1999-03-26 | Nokia Telecommunications Oy | Electronic payment system |
US5970147A (en) * | 1997-09-30 | 1999-10-19 | Intel Corporation | System and method for configuring and registering a cryptographic device |
US6421653B1 (en) * | 1997-10-14 | 2002-07-16 | Blackbird Holdings, Inc. | Systems, methods and computer program products for electronic trading of financial instruments |
FI105249B (en) * | 1997-12-18 | 2000-06-30 | More Magic Software Mms Oy | Procedure and arrangements for connecting information to network resources |
US6105006A (en) * | 1997-12-22 | 2000-08-15 | Motorola Inc | Transaction authentication for 1-way wireless financial messaging units |
US6925568B1 (en) * | 1998-01-16 | 2005-08-02 | Sonera Oyj | Method and system for the processing of messages in a telecommunication system |
US6263437B1 (en) | 1998-02-19 | 2001-07-17 | Openware Systems Inc | Method and apparatus for conducting crypto-ignition processes between thin client devices and server devices over data networks |
US20040117631A1 (en) * | 1998-06-04 | 2004-06-17 | Z4 Technologies, Inc. | Method for digital rights management including user/publisher connectivity interface |
US20040117644A1 (en) * | 1998-06-04 | 2004-06-17 | Z4 Technologies, Inc. | Method for reducing unauthorized use of software/digital content including self-activating/self-authenticating software/digital content |
US20040107368A1 (en) * | 1998-06-04 | 2004-06-03 | Z4 Technologies, Inc. | Method for digital rights management including self activating/self authentication software |
US20040117664A1 (en) * | 1998-06-04 | 2004-06-17 | Z4 Technologies, Inc. | Apparatus for establishing a connectivity platform for digital rights management |
US6067529A (en) * | 1998-08-12 | 2000-05-23 | Ericsson Inc. | System and method for sending a short message containing purchase information to a destination terminal |
ES2333070T3 (en) * | 1998-09-10 | 2010-02-16 | Swisscom Ag | PROCEDURE FOR THE PURCHASE OF ITEMS OR SERVICES THROUGH A MOBILE PHONE. |
AU2342000A (en) * | 1998-09-11 | 2000-04-17 | Loquitor Technologies Llc | Generation and detection of induced current using acoustic energy |
JP3705936B2 (en) * | 1998-09-29 | 2005-10-12 | 富士通株式会社 | Data forwarding control method between multiple servers / clients |
US6138239A (en) * | 1998-11-13 | 2000-10-24 | N★Able Technologies, Inc. | Method and system for authenticating and utilizing secure resources in a computer system |
US7155679B2 (en) * | 1998-11-18 | 2006-12-26 | Eastman Kodak Company | Digital media frame |
US6584466B1 (en) * | 1999-04-07 | 2003-06-24 | Critical Path, Inc. | Internet document management system and methods |
US6564253B1 (en) * | 1999-05-07 | 2003-05-13 | Recording Industry Association Of America | Content authorization system over networks including searching and reporting for unauthorized content locations |
FR2793576B1 (en) * | 1999-05-11 | 2001-11-16 | Gemplus Card Int | RADIOTELEPHONE TERMINAL WITH A CHIP CARD WITH A BROWSER |
US7873837B1 (en) * | 2000-01-06 | 2011-01-18 | Super Talent Electronics, Inc. | Data security for electronic data flash card |
US7505941B2 (en) * | 1999-08-31 | 2009-03-17 | American Express Travel Related Services Company, Inc. | Methods and apparatus for conducting electronic transactions using biometrics |
US7889052B2 (en) * | 2001-07-10 | 2011-02-15 | Xatra Fund Mx, Llc | Authorizing payment subsequent to RF transactions |
FI19991918A (en) * | 1999-09-09 | 2001-03-09 | Nokia Mobile Phones Ltd | A method and arrangement for controlling a subscription in a mobile communication system |
WO2001027853A1 (en) * | 1999-10-07 | 2001-04-19 | Fujitsu Limited | Ic card dealing system |
AU1654501A (en) * | 1999-10-27 | 2001-05-08 | Visa International Service Association | Method and apparatus for leveraging an existing cryptographic infrastructure |
US7958457B1 (en) * | 1999-12-20 | 2011-06-07 | Wireless Agents, Llc | Method and apparatus for scheduling presentation of digital content on a personal communication device |
WO2001056213A1 (en) * | 2000-01-26 | 2001-08-02 | Citicorp Development Center, Inc. | System and method for user authentication |
US20030154405A1 (en) * | 2000-02-28 | 2003-08-14 | John Harrison | Information processing system and method |
US7865414B2 (en) | 2000-03-01 | 2011-01-04 | Passgate Corporation | Method, system and computer readable medium for web site account and e-commerce management from a central location |
EP1269429A2 (en) * | 2000-03-15 | 2003-01-02 | Mastercard International, Inc. | Method and system for secure payments over a computer network |
WO2001071585A1 (en) * | 2000-03-17 | 2001-09-27 | Sony Corporation | Investment system and data transmitting/receiving method |
US7080039B1 (en) * | 2000-03-23 | 2006-07-18 | David J Marsh | Associating content with households using smart cards |
US6856975B1 (en) | 2000-03-30 | 2005-02-15 | Verify & Protect Inc. | System, method, and article of manufacture for secure transactions utilizing a computer network |
US20020032905A1 (en) * | 2000-04-07 | 2002-03-14 | Sherr Scott Jeffrey | Online digital video signal transfer apparatus and method |
US7778934B2 (en) * | 2000-04-17 | 2010-08-17 | Verisign, Inc. | Authenticated payment |
US6736313B1 (en) * | 2000-05-09 | 2004-05-18 | Gilbarco Inc. | Card reader module with pin decryption |
US20040182921A1 (en) * | 2000-05-09 | 2004-09-23 | Dickson Timothy E. | Card reader module with account encryption |
US7206847B1 (en) * | 2000-05-22 | 2007-04-17 | Motorola Inc. | Smart card with back up |
ATE261160T1 (en) * | 2000-08-01 | 2004-03-15 | Mega Tel Ag | ELECTRONIC PAYMENTS WITH SMS |
US6826546B1 (en) * | 2000-08-17 | 2004-11-30 | Ideaflood, Inc. | Method and system for licensing a copy of a copyright protected work |
US7103575B1 (en) * | 2000-08-31 | 2006-09-05 | International Business Machines Corporation | Enabling use of smart cards by consumer devices for internet commerce |
US7689510B2 (en) * | 2000-09-07 | 2010-03-30 | Sonic Solutions | Methods and system for use in network management of content |
US7308431B2 (en) * | 2000-09-11 | 2007-12-11 | Nokia Corporation | System and method of secure authentication and billing for goods and services using a cellular telecommunication and an authorization infrastructure |
US6819219B1 (en) * | 2000-10-13 | 2004-11-16 | International Business Machines Corporation | Method for biometric-based authentication in wireless communication for access control |
GB0026803D0 (en) * | 2000-11-02 | 2000-12-20 | Multimedia Engineering Company | Securized method for communicating and providing services on digital networks and implementing architecture |
FI20002466A (en) * | 2000-11-10 | 2002-05-11 | Nokia Corp | Authentication method |
FR2817102B1 (en) * | 2000-11-22 | 2003-01-24 | France Telecom | CALLING FROM A RADIOTELEPHONE TERMINAL WITH BIOMETRIC AUTHENTICATION |
US7150045B2 (en) * | 2000-12-14 | 2006-12-12 | Widevine Technologies, Inc. | Method and apparatus for protection of electronic media |
US7921297B2 (en) * | 2001-01-10 | 2011-04-05 | Luis Melisendro Ortiz | Random biometric authentication utilizing unique biometric signatures |
JP2002229955A (en) * | 2001-02-02 | 2002-08-16 | Matsushita Electric Ind Co Ltd | Information terminal device and authentication system |
FR2821225B1 (en) * | 2001-02-20 | 2005-02-04 | Mobileway | REMOTE ELECTRONIC PAYMENT SYSTEM |
US7292999B2 (en) * | 2001-03-15 | 2007-11-06 | American Express Travel Related Services Company, Inc. | Online card present transaction |
KR100413627B1 (en) * | 2001-03-19 | 2003-12-31 | 스톰 씨엔씨 인코포레이티드 | System for jointing digital literary works against unlawful reproduction through communication network and method for there of |
US7016494B2 (en) * | 2001-03-26 | 2006-03-21 | Hewlett-Packard Development Company, L.P. | Multiple cryptographic key precompute and store |
US7266379B2 (en) * | 2001-05-30 | 2007-09-04 | Palm, Inc. | Resource location through location history |
US20020194499A1 (en) * | 2001-06-15 | 2002-12-19 | Audebert Yves Louis Gabriel | Method, system and apparatus for a portable transaction device |
US7543738B1 (en) * | 2001-07-10 | 2009-06-09 | American Express Travel Related Services Company, Inc. | System and method for secure transactions manageable by a transaction account provider |
US9031880B2 (en) * | 2001-07-10 | 2015-05-12 | Iii Holdings 1, Llc | Systems and methods for non-traditional payment using biometric data |
SG124290A1 (en) * | 2001-07-23 | 2006-08-30 | Ntt Docomo Inc | Electronic payment method, system, and devices |
EP1282089B1 (en) | 2001-08-03 | 2009-12-16 | Telefonaktiebolaget LM Ericsson (publ) | Method and devices for inter-terminal payments |
JP4602606B2 (en) | 2001-08-15 | 2010-12-22 | ソニー株式会社 | Authentication processing system, authentication processing method, authentication device, and computer program |
FI20011680A (en) * | 2001-08-21 | 2003-02-22 | Bookit Oy | Appointment method and system |
KR100529550B1 (en) * | 2001-10-18 | 2005-11-22 | 한국전자통신연구원 | Method for modifying authority of a certificate of authentication using information of a biometrics in a pki infrastructure |
US7487363B2 (en) * | 2001-10-18 | 2009-02-03 | Nokia Corporation | System and method for controlled copying and moving of content between devices and domains based on conditional encryption of content key depending on usage |
US20030087602A1 (en) * | 2001-11-05 | 2003-05-08 | Palm, Inc. | Data prioritization and distribution limitation system and method |
US20040268133A1 (en) * | 2001-11-27 | 2004-12-30 | Lee Patrick S | Secure personal identification entry system |
US7260555B2 (en) * | 2001-12-12 | 2007-08-21 | Guardian Data Storage, Llc | Method and architecture for providing pervasive security to digital assets |
US10033700B2 (en) * | 2001-12-12 | 2018-07-24 | Intellectual Ventures I Llc | Dynamic evaluation of access rights |
US7076657B2 (en) * | 2001-12-28 | 2006-07-11 | Siemens Communications, Inc. | Use of short message service (SMS) for secure transactions |
US7996888B2 (en) | 2002-01-11 | 2011-08-09 | Nokia Corporation | Virtual identity apparatus and method for using same |
HU224788B1 (en) * | 2002-02-07 | 2006-02-28 | Enigma Software Rt | Architecture for arranging bank card transaction requiring simplified hardware in a large customer base, transaction terminal unit, sim card with extended function, as well as, method for personalizing and performing transactions |
WO2003077473A1 (en) * | 2002-03-13 | 2003-09-18 | Beamtrust A/S | A method of processing an electronic payment cheque |
US20030187784A1 (en) * | 2002-03-27 | 2003-10-02 | Michael Maritzen | System and method for mid-stream purchase of products and services |
US7218915B2 (en) * | 2002-04-07 | 2007-05-15 | Arris International, Inc. | Method and system for using an integrated subscriber identity module in a network interface unit |
AU2002256595A1 (en) * | 2002-04-28 | 2003-11-17 | Paycool International Limited | System to enable a telecom operator provide financial transactions services and methods for implementing such transactions |
AUPS217002A0 (en) * | 2002-05-07 | 2002-06-06 | Wireless Applications Pty Ltd | Clarence tan |
US8250663B2 (en) * | 2002-09-04 | 2012-08-21 | Music Public Broadcasting, Inc. | Method and system for controlling presentation of media on a media storage device |
US8335915B2 (en) * | 2002-05-14 | 2012-12-18 | Netapp, Inc. | Encryption based security system for network storage |
US20030233462A1 (en) * | 2002-05-30 | 2003-12-18 | Herman Chien | System and method for providing a digital rights scheme for browser downloads |
JP2004013608A (en) * | 2002-06-07 | 2004-01-15 | Hitachi Ltd | Control for execution and transfer of program |
US7353394B2 (en) * | 2002-06-20 | 2008-04-01 | International Business Machine Corporation | System and method for digital signature authentication of SMS messages |
US7543156B2 (en) * | 2002-06-25 | 2009-06-02 | Resilent, Llc | Transaction authentication card |
US6996409B2 (en) * | 2002-06-26 | 2006-02-07 | Level Z, L.L.C. | Multi-party concurrence through short message service exchanges |
US8539232B2 (en) | 2002-06-26 | 2013-09-17 | Sony Corporation | Information terminal apparatus, information processing apparatus and information communication system |
US7587756B2 (en) * | 2002-07-09 | 2009-09-08 | American Express Travel Related Services Company, Inc. | Methods and apparatus for a secure proximity integrated circuit card transactions |
CA2407774C (en) * | 2002-07-16 | 2005-01-04 | Musicrypt Inc. | Content distribution system and method |
US7188089B2 (en) * | 2002-07-26 | 2007-03-06 | Way Systems, Inc. | System and method for securely storing, generating, transferring and printing electronic prepaid vouchers |
NL1021300C2 (en) * | 2002-08-19 | 2004-03-01 | Tno | Computer network security. |
CN1479533A (en) * | 2002-08-29 | 2004-03-03 | 深圳市中兴通讯股份有限公司 | Method of realizing machine card separation in PHS communication system |
US7272716B2 (en) * | 2002-08-30 | 2007-09-18 | Sap Aktiengesellschaft | Enterprise secure messaging architecture |
US20040059923A1 (en) * | 2002-09-25 | 2004-03-25 | Shamrao Andrew Divaker | Systems and methods for authentication |
KR100477670B1 (en) * | 2002-09-26 | 2005-03-18 | 삼성전자주식회사 | Monitor for security using smart card and method thereof |
JP2004118642A (en) * | 2002-09-27 | 2004-04-15 | Nec Corp | Contents providing server, contents providing method and contents providing program |
US20050033988A1 (en) * | 2002-10-18 | 2005-02-10 | Neoscale Systems, Inc. | Method and system for transparent encryption and authentication of file data protocols over internet protocol |
FR2847756B1 (en) * | 2002-11-22 | 2005-09-23 | Cegetel Groupe | METHOD FOR ESTABLISHING AND MANAGING A MODEL OF CONFIDENCE BETWEEN A CHIP CARD AND A RADIO TERMINAL |
EG23422A (en) * | 2002-11-24 | 2005-07-10 | Ashraf Kamal Salem Mashhour | Scheme for spreading and easy use of electronic services and remote payments. |
US7478248B2 (en) * | 2002-11-27 | 2009-01-13 | M-Systems Flash Disk Pioneers, Ltd. | Apparatus and method for securing data on a portable storage device |
GB2396472A (en) * | 2002-12-18 | 2004-06-23 | Ncr Int Inc | System for cash withdrawal |
US20040133797A1 (en) * | 2003-01-06 | 2004-07-08 | International Business Machines Corporation | Rights management enhanced storage |
WO2004079545A2 (en) * | 2003-03-05 | 2004-09-16 | Digimarc Corporation | Content identification, personal domain, copyright notification, metadata and e-commerce |
US9232077B2 (en) * | 2003-03-12 | 2016-01-05 | Qualcomm Incorporated | Automatic subscription system for applications and services provided to wireless devices |
JP2004304294A (en) * | 2003-03-28 | 2004-10-28 | Sharp Corp | Mobile terminal and system with personal authentication function |
JP4142982B2 (en) * | 2003-05-13 | 2008-09-03 | 株式会社Pfu | Image reading device |
US7444508B2 (en) * | 2003-06-30 | 2008-10-28 | Nokia Corporation | Method of implementing secure access |
GB2404538A (en) * | 2003-07-31 | 2005-02-02 | Sony Uk Ltd | Access control for digital content |
WO2005015452A1 (en) * | 2003-08-08 | 2005-02-17 | Paycool, International, Ltd. | Methods for facilitating validation of financial transactions made through a wireless communication network |
JP2005085089A (en) * | 2003-09-10 | 2005-03-31 | Renesas Technology Corp | Ic card and manufacturing method thereof |
US20050070248A1 (en) * | 2003-09-29 | 2005-03-31 | Neeraj Gaur | Method and system for maintaining media objects when switching mobile devices |
EP1536306A1 (en) * | 2003-09-30 | 2005-06-01 | Broadcom Corporation | Proximity authentication system |
WO2005034424A1 (en) | 2003-10-08 | 2005-04-14 | Engberg Stephan J | Method and system for establishing a communication using privacy enhancing techniques |
GB2406925B (en) * | 2003-10-09 | 2007-01-03 | Vodafone Plc | Facilitating and authenticating transactions |
US7797529B2 (en) * | 2003-11-10 | 2010-09-14 | Yahoo! Inc. | Upload security scheme |
KR101314473B1 (en) * | 2004-01-06 | 2013-10-10 | 톰슨 라이센싱 | Improved techniques for detecting, analyzing, and using visible authentication patterns |
US7577836B2 (en) | 2004-01-16 | 2009-08-18 | Verizon Business Global Llc | Method and system for secured wireless data transmission to and from a remote device |
US7180008B2 (en) * | 2004-01-23 | 2007-02-20 | Pitney Bowes Inc. | Tamper barrier for electronic device |
EP1560172A1 (en) * | 2004-02-02 | 2005-08-03 | Matsushita Electric Industrial Co., Ltd. | Secure device and mobile terminal which carry out data exchange between card applications |
US7877605B2 (en) * | 2004-02-06 | 2011-01-25 | Fujitsu Limited | Opinion registering application for a universal pervasive transaction framework |
US20050187864A1 (en) * | 2004-02-24 | 2005-08-25 | First Data Corporation | System for maintaining presentation instrument data |
US7584153B2 (en) * | 2004-03-15 | 2009-09-01 | Qsecure, Inc. | Financial transactions with dynamic card verification values |
JP2007529797A (en) * | 2004-03-19 | 2007-10-25 | フンベル ローガー | All-in-one key or control software card in mobile phones for wireless bicycle keys, cars, houses, RFID tags with authentication and payment functions |
JP2007532984A (en) * | 2004-04-08 | 2007-11-15 | 松下電器産業株式会社 | Semiconductor memory |
US8204967B2 (en) * | 2004-04-14 | 2012-06-19 | Cisco Technology, Inc. | Dynamic chain creation and segmentation of the packet-forwarding plane |
US8918900B2 (en) * | 2004-04-26 | 2014-12-23 | Ivi Holdings Ltd. | Smart card for passport, electronic passport, and method, system, and apparatus for authenticating person holding smart card or electronic passport |
US20050242177A1 (en) * | 2004-04-28 | 2005-11-03 | Dexit Inc. | RFID-based system and method of conducting financial transactions |
WO2005114561A1 (en) | 2004-05-24 | 2005-12-01 | Matsushita Electric Industrial Co., Ltd. | Reader/writer secure module access control method |
JP2005351994A (en) * | 2004-06-08 | 2005-12-22 | Sony Corp | Contents distribution server, contents distributing method and program |
WO2006002649A1 (en) * | 2004-06-25 | 2006-01-12 | Telecom Italia S.P.A. | Method and system for protecting information exchanged during communication between users |
US8543500B2 (en) * | 2004-06-25 | 2013-09-24 | Ian Charles Ogilvy | Transaction processing method, apparatus and system |
US8214649B2 (en) | 2004-06-30 | 2012-07-03 | Nokia Corporation | System and method for secure communications between at least one user device and a network entity |
US7318550B2 (en) * | 2004-07-01 | 2008-01-15 | American Express Travel Related Services Company, Inc. | Biometric safeguard method for use with a smartcard |
ATE422081T1 (en) * | 2004-07-08 | 2009-02-15 | Nokia Corp | METHOD FOR PERMANENTLY WRITE PROTECTING A PARTIAL AREA OF A MEMORY CARD AND CORRESPONDING MEMORY CARD |
US20060010075A1 (en) * | 2004-07-08 | 2006-01-12 | Dean Wolf | Technique for facilitating resale of digital content over a computer network |
ES2263344B1 (en) * | 2004-07-30 | 2007-11-16 | Jose Ignacio Bas Bayod | METHOD FOR PERFORMING SECURE PAYMENT OR COLLECTION TRANSACTIONS, USING PROGRAMMABLE MOBILE PHONES. |
EP1621955B1 (en) * | 2004-07-30 | 2017-06-07 | Irdeto B.V. | Method and device for providing access to encrypted content |
US8656185B2 (en) * | 2004-07-30 | 2014-02-18 | Safenet, Inc. | High-assurance processor active memory content protection |
US7844255B2 (en) * | 2004-12-08 | 2010-11-30 | Verifone, Inc. | Secure PIN entry device for mobile phones |
JP4917036B2 (en) * | 2004-09-23 | 2012-04-18 | ジエマルト・エス・アー | System and method for communicating with a general purpose integrated circuit card in a mobile device using an internet protocol |
WO2006039364A2 (en) | 2004-10-01 | 2006-04-13 | Solidus Networks, Inc. D/B/A/ Pay By Touch | System and method for electronic check verification over a network |
JP4664644B2 (en) * | 2004-10-08 | 2011-04-06 | 富士通株式会社 | Biometric authentication device and terminal |
JP4559181B2 (en) * | 2004-10-08 | 2010-10-06 | 富士通株式会社 | User authentication device, electronic device, and user authentication program |
WO2006044717A2 (en) | 2004-10-15 | 2006-04-27 | Verisign, Inc. | One time password |
US8752125B2 (en) * | 2004-10-20 | 2014-06-10 | Salt Group Pty Ltd | Authentication method |
KR100641218B1 (en) | 2004-11-19 | 2006-11-02 | 엘지전자 주식회사 | Conditional access broadcasting system for terrestrial digital multimedia broadcasting and method thereof |
CN101088249B (en) * | 2004-11-25 | 2012-04-04 | 法国电信公司 | Method for securing a telecommunications terminal which is connected to a terminal user identification module |
US20060130149A1 (en) * | 2004-12-10 | 2006-06-15 | Shuhua Xiang | Digital rights management microprocessing architecture |
WO2006067543A1 (en) * | 2004-12-23 | 2006-06-29 | Nokia Corporation | Content control |
CA2596257C (en) * | 2005-01-28 | 2016-05-17 | Cardinal Commerce Corporation | System and method for conversion between internet and non-internet based transactions |
US20060170530A1 (en) | 2005-02-02 | 2006-08-03 | Enenia Biometrics, Inc. | Fingerprint-based authentication using radio frequency identification |
US20060183462A1 (en) * | 2005-02-11 | 2006-08-17 | Nokia Corporation | Managing an access account using personal area networks and credentials on a mobile device |
US7634280B2 (en) * | 2005-02-17 | 2009-12-15 | International Business Machines Corporation | Method and system for authenticating messages exchanged in a communications system |
US20080170691A1 (en) | 2005-03-10 | 2008-07-17 | Sung-Cheol Chang | Encryption And Decryption Device In Wireless Portable Internet System,And Method Thereof |
KR20070120125A (en) * | 2005-04-19 | 2007-12-21 | 마이크로소프트 코포레이션 | Network commercial transactions |
US20070198837A1 (en) * | 2005-04-29 | 2007-08-23 | Nokia Corporation | Establishment of a secure communication |
US20060272031A1 (en) * | 2005-05-24 | 2006-11-30 | Napster Llc | System and method for unlimited licensing to a fixed number of devices |
WO2006128148A1 (en) * | 2005-05-27 | 2006-11-30 | Delphi Technologies, Inc. | System and method for bypassing execution of an algorithm |
US9185538B2 (en) * | 2005-05-31 | 2015-11-10 | Qualcomm Incorporated | Wireless subscriber application and content distribution and differentiated pricing |
US8374324B2 (en) | 2005-06-02 | 2013-02-12 | At&T Intellectual Property I, L.P. | Methods of using biometric data in a phone system and apparatuses to perform the methods |
US20060287004A1 (en) * | 2005-06-17 | 2006-12-21 | Fuqua Walter B | SIM card cash transactions |
ES2393568T3 (en) * | 2005-06-23 | 2012-12-26 | Swisscom Ag | Device with software procedure and product to control the possibility of using an application module through a security module |
US7743409B2 (en) * | 2005-07-08 | 2010-06-22 | Sandisk Corporation | Methods used in a mass storage device with automated credentials loading |
EP1746535A1 (en) * | 2005-07-20 | 2007-01-24 | Lars Olof Kanngard | Secure transaction string |
US8184641B2 (en) * | 2005-07-20 | 2012-05-22 | Verizon Business Global Llc | Method and system for providing secure communications between proxy servers in support of interdomain traversal |
CN1908981A (en) * | 2005-08-01 | 2007-02-07 | 富士通株式会社 | Wireless computer wallet for physical point of sale (pos) transactions |
US20070033408A1 (en) * | 2005-08-08 | 2007-02-08 | Widevine Technologies, Inc. | Preventing illegal distribution of copy protected content |
US20160026991A1 (en) * | 2005-08-12 | 2016-01-28 | Vodafone Group Plc | Mobile account management |
US20070078773A1 (en) * | 2005-08-31 | 2007-04-05 | Arik Czerniak | Posting digital media |
US7997476B2 (en) * | 2005-09-15 | 2011-08-16 | Capital One Financial Corporation | Wireless devices for storing a financial account card and methods for storing card data in a wireless device |
US20070067535A1 (en) * | 2005-09-20 | 2007-03-22 | Ta-Wei Liu | Motherboard capable of selectively supporting dual graphic engine |
JP4813133B2 (en) * | 2005-09-20 | 2011-11-09 | 富士通株式会社 | Biometric authentication method and biometric authentication system |
US7609162B2 (en) * | 2005-10-10 | 2009-10-27 | Electronics And Telecommunications Research Institute | Mobile RFID service providing apparatus and method thereof |
ATE495504T1 (en) * | 2005-10-26 | 2011-01-15 | Swisscom Ag | METHOD AND COMMUNICATION SYSTEM FOR COMPARING BIOMETRIC DATA RECORDED WITH BIOMETRIC SENSORS WITH REFERENCE DATA |
US20070106897A1 (en) * | 2005-11-07 | 2007-05-10 | Michael Kulakowski | Secure RFID authentication system |
EP1783997A1 (en) * | 2005-11-07 | 2007-05-09 | Axalto S.A. | Remote activation of a user account in a telecommunication network |
GB0525635D0 (en) | 2005-12-16 | 2006-01-25 | Innovision Res & Tech Plc | Chip card and method of data communication |
WO2007072238A1 (en) * | 2005-12-23 | 2007-06-28 | International Business Machines Corporation | Method and system for biometric authentication |
US8190087B2 (en) * | 2005-12-31 | 2012-05-29 | Blaze Mobile, Inc. | Scheduling and paying for a banking transaction using an NFC enabled mobile communication device |
US8112787B2 (en) | 2005-12-31 | 2012-02-07 | Broadcom Corporation | System and method for securing a credential via user and server verification |
US8352323B2 (en) | 2007-11-30 | 2013-01-08 | Blaze Mobile, Inc. | Conducting an online payment transaction using an NFC enabled mobile communication device |
EP1985044A2 (en) * | 2006-02-13 | 2008-10-29 | Outsmart Ltd. | Portable soft phone |
US9654456B2 (en) * | 2006-02-16 | 2017-05-16 | Oracle International Corporation | Service level digital rights management support in a multi-content aggregation and delivery system |
US9143622B2 (en) * | 2006-02-17 | 2015-09-22 | Qualcomm Incorporated | Prepay accounts for applications, services and content for communication devices |
US9185234B2 (en) * | 2006-02-22 | 2015-11-10 | Qualcomm Incorporated | Automated account mapping in a wireless subscriber billing system |
US20070271596A1 (en) * | 2006-03-03 | 2007-11-22 | David Boubion | Security, storage and communication system |
US7945612B2 (en) * | 2006-03-28 | 2011-05-17 | Microsoft Corporation | Aggregating user presence across multiple endpoints |
US20070239869A1 (en) * | 2006-03-28 | 2007-10-11 | Microsoft Corporation | User interface for user presence aggregated across multiple endpoints |
US20070255620A1 (en) * | 2006-03-30 | 2007-11-01 | Obopay Inc. | Transacting Mobile Person-to-Person Payments |
US20070255662A1 (en) * | 2006-03-30 | 2007-11-01 | Obopay Inc. | Authenticating Wireless Person-to-Person Money Transfers |
US8095911B2 (en) * | 2006-03-31 | 2012-01-10 | Sap Ag | Method and system for utilizing development components |
US8965281B2 (en) * | 2006-04-05 | 2015-02-24 | Nokia Corporation | Mobile device with near field communication module and secure chip |
US20070235539A1 (en) * | 2006-04-05 | 2007-10-11 | Jarkko Sevanto | Mobile device with near field communication module and secure chip |
US20070260558A1 (en) | 2006-04-17 | 2007-11-08 | Look Thomas F | Methods and systems for secure transactions with electronic devices |
US7907896B2 (en) * | 2006-04-28 | 2011-03-15 | Motorola Mobility, Inc. | Mobile commerce method and device |
EP3023894B1 (en) * | 2006-05-25 | 2017-11-22 | CellTrust Corporation | Secure mobile information management method |
US7540408B2 (en) * | 2006-06-22 | 2009-06-02 | Hip Consult Inc. | Apparatus and method for facilitating money or value transfer |
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 |
US8160959B2 (en) * | 2006-07-06 | 2012-04-17 | Firethorn Mobile, Inc. | Methods and systems for payment transactions in a mobile environment |
US8121945B2 (en) * | 2006-07-06 | 2012-02-21 | Firethorn Mobile, Inc. | Methods and systems for payment method selection by a payee in a mobile environment |
US20080006685A1 (en) * | 2006-07-06 | 2008-01-10 | Firethorn Holdings, Llc | Methods and Systems For Real Time Account Balances in a Mobile Environment |
US7775442B2 (en) * | 2006-07-12 | 2010-08-17 | Nokia Corporation | Method for accessing after-operation information of secure element applications |
US20080065531A1 (en) | 2006-07-26 | 2008-03-13 | Smith Steven B | Web-based payments on text-to-pay sms networks |
US20080046915A1 (en) * | 2006-08-01 | 2008-02-21 | Sbc Knowledge Ventures, L.P. | System and method of providing community content |
US8116734B2 (en) * | 2006-08-22 | 2012-02-14 | Verizon Patent And Licensing Inc. | Party identification in a wireless network |
US8226474B2 (en) * | 2006-09-08 | 2012-07-24 | Igt | Mobile gaming devices for use in a gaming network having gaming and non-gaming zones |
FR2905782B1 (en) * | 2006-09-11 | 2008-12-05 | Inside Contactless Sa | METHOD FOR CONNECTING A NON-CONTACT INTEGRATED CIRCUIT TO AN NFC COMPONENT |
CN101536008B (en) * | 2006-09-20 | 2012-11-21 | 诺基亚公司 | Near field connection establishment |
KR101363981B1 (en) * | 2006-09-29 | 2014-02-18 | 텔레콤 이탈리아 소시에떼 퍼 아찌오니 | Use, provision, customization and billing of services for mobile users through distinct electronic apparatuses |
WO2008041286A1 (en) * | 2006-09-29 | 2008-04-10 | Fujitsu Limited | Information processor and information management method |
WO2008042302A2 (en) | 2006-09-29 | 2008-04-10 | Narian Technologies Corp. | Apparatus and method using near field communications |
US20080091681A1 (en) * | 2006-10-12 | 2008-04-17 | Saket Dwivedi | Architecture for unified threat management |
US20070219926A1 (en) * | 2006-10-18 | 2007-09-20 | Stanley Korn | Secure method and system of identity authentication |
WO2008085579A2 (en) * | 2006-10-25 | 2008-07-17 | Spyrus, Inc. | Method and system for deploying advanced cryptographic algorithms |
GB0621189D0 (en) * | 2006-10-25 | 2006-12-06 | Payfont Ltd | Secure authentication and payment system |
AP3361A (en) * | 2006-11-16 | 2015-07-31 | Net1 Ueps Technologies Inc | Secure financial transactions |
US7895311B1 (en) * | 2006-11-17 | 2011-02-22 | Arthur W. Juenger | Content distribution systems |
US20080119162A1 (en) * | 2006-11-20 | 2008-05-22 | Motorola, Inc. | Sharing prepaid mobile telephony credit among a group |
US20080121687A1 (en) * | 2006-11-28 | 2008-05-29 | Motorola, Inc. | Method and system for detecting an end of transaction for contactless transactions on a mobile device |
DE102006057093B4 (en) * | 2006-12-04 | 2008-10-02 | Infineon Technologies Ag | Device for selecting a virtual map application |
US7991158B2 (en) | 2006-12-13 | 2011-08-02 | Tyfone, Inc. | Secure messaging |
US7631810B2 (en) | 2006-12-19 | 2009-12-15 | Vivotech, Inc. | Systems, methods, and computer program products for supporting multiple applications and multiple instances of the same application on a wireless smart device |
DE102006060080B4 (en) * | 2006-12-19 | 2008-12-11 | Infineon Technologies Ag | Device for the contactless transmission of data from a memory |
US8190908B2 (en) * | 2006-12-20 | 2012-05-29 | Spansion Llc | Secure data verification via biometric input |
US20080189212A1 (en) * | 2006-12-21 | 2008-08-07 | Michael Kulakowski | Electronic secure authentication for exchange buyer assurance system (eSafeBay) |
US20080168273A1 (en) | 2007-01-05 | 2008-07-10 | Chung Hyen V | Configuration mechanism for flexible messaging security protocols |
BRPI0806457A2 (en) | 2007-01-09 | 2011-09-06 | Visa Usa Inc | Method mobile phone and system |
ES2722648T3 (en) * | 2007-01-31 | 2019-08-14 | Nokia Technologies Oy | Management of applications related to secure modules |
US20080201264A1 (en) * | 2007-02-17 | 2008-08-21 | Brown Kerry D | Payment card financial transaction authenticator |
WO2008114931A1 (en) | 2007-03-16 | 2008-09-25 | Lg Electronics Inc. | Performing contactless applications in battery off mode |
US20080230615A1 (en) * | 2007-03-19 | 2008-09-25 | Sony Corporation | Near-field communication card for communication of contact information |
US8140439B2 (en) * | 2007-04-25 | 2012-03-20 | General Instrument Corporation | Method and apparatus for enabling digital rights management in file transfers |
US8620260B2 (en) * | 2007-04-27 | 2013-12-31 | American Express Travel Related Services Company, Inc. | Payment application download to mobile phone and phone personalization |
US8543496B2 (en) * | 2007-04-27 | 2013-09-24 | American Express Travel Related Services Company, Inc. | User experience on mobile phone |
US20090018934A1 (en) | 2007-05-15 | 2009-01-15 | Chaorong Peng | System and Method for defense ID theft attack security service system in marketing environment |
US8646056B2 (en) * | 2007-05-17 | 2014-02-04 | U.S. Cellular Corporation | User-friendly multifactor mobile authentication |
US8122488B2 (en) * | 2007-05-18 | 2012-02-21 | Yangaroo, Inc. | Media file distribution system and method |
TW200847050A (en) * | 2007-05-28 | 2008-12-01 | Trade Van Information Services Co | Method for processing consumption information |
WO2008146077A2 (en) * | 2007-05-30 | 2008-12-04 | Fundamo (Proprietary) Limited | System for clearing financial transactions |
US8583915B1 (en) | 2007-05-31 | 2013-11-12 | Bby Solutions, Inc. | Security and authentication systems and methods for personalized portable devices and associated systems |
US20080297311A1 (en) * | 2007-05-31 | 2008-12-04 | Wu Xing-Tao | Non-contact service providing systems |
SE531820C2 (en) * | 2007-06-13 | 2009-08-18 | Headweb Ab | Procedure and system for legal file sharing |
US20090023474A1 (en) * | 2007-07-18 | 2009-01-22 | Motorola, Inc. | Token-based dynamic authorization management of rfid systems |
US8094130B2 (en) * | 2007-08-13 | 2012-01-10 | Research In Motion Limited | Portable electronic device and method of controlling same |
US8838472B2 (en) | 2007-08-14 | 2014-09-16 | First Data Corporation | Mobile system and method for exchanging point value |
EP2034428B1 (en) * | 2007-09-07 | 2017-12-13 | Vodafone Holding GmbH | NFC capable mobile communication device |
US20090070263A1 (en) * | 2007-09-12 | 2009-03-12 | Wachovia Corporation | Peer to peer fund transfer |
US8341083B1 (en) * | 2007-09-12 | 2012-12-25 | Devicefidelity, Inc. | Wirelessly executing financial transactions |
EP2201543A1 (en) * | 2007-09-21 | 2010-06-30 | Wireless Dynamics, Inc. | Wireless smart card and integrated personal area network, near field communication and contactless payment system |
US8230149B1 (en) * | 2007-09-26 | 2012-07-24 | Teradici Corporation | Method and apparatus for managing a peripheral port of a computer system |
US8040883B2 (en) * | 2007-10-19 | 2011-10-18 | Wayport, Inc. | Probe insertion for one or more network address translated addresses |
US7945924B2 (en) * | 2007-11-15 | 2011-05-17 | At&T Intellectual Property I, L.P. | Detecting distribution of multimedia content |
US9098844B2 (en) | 2007-11-20 | 2015-08-04 | Wells Fargo Bank, N.A. | Mobile electronic wallet |
US9349127B2 (en) * | 2007-11-29 | 2016-05-24 | Visa Usa Inc. | Serial number and payment data based payment card processing |
US20120029990A1 (en) | 2007-12-13 | 2012-02-02 | Blaze Mobile | Social Media Marketing Based on Transactions Using a Mobile Device and Associated Secure Element |
US9984369B2 (en) * | 2007-12-19 | 2018-05-29 | At&T Intellectual Property I, L.P. | Systems and methods to identify target video content |
JP2009151528A (en) * | 2007-12-20 | 2009-07-09 | Panasonic Corp | Ic card storing biological information and access control method thereof |
US20090171970A1 (en) * | 2007-12-31 | 2009-07-02 | Keefe Robert A | System and Method for Delivering Utility Usage Information and Other Content to a Digital Photo Frame |
US20090191846A1 (en) * | 2008-01-25 | 2009-07-30 | Guangming Shi | Biometric smart card for mobile devices |
US10552701B2 (en) * | 2008-02-01 | 2020-02-04 | Oath Inc. | System and method for detecting the source of media content with application to business rules |
US7860755B2 (en) | 2008-02-19 | 2010-12-28 | The Go Daddy Group, Inc. | Rating e-commerce transactions |
US10015158B2 (en) * | 2008-02-29 | 2018-07-03 | Blackberry Limited | Methods and apparatus for use in enabling a mobile communication device with a digital certificate |
US8060413B2 (en) | 2008-03-14 | 2011-11-15 | Research In Motion Limited | System and method for making electronic payments from a wireless mobile device |
EP2286566A1 (en) * | 2008-03-28 | 2011-02-23 | Celltrust Corporation | Systems and methods for secure short messaging service and multimedia messaging service |
CN102067103B (en) | 2008-04-14 | 2014-03-19 | 隐私数据系统公司 | Improved certified email messages and attachments |
US7967215B2 (en) * | 2008-04-18 | 2011-06-28 | Vivotech Inc. | Systems, methods, and computer program products for supporting multiple contactless applications using different security keys |
US20090327131A1 (en) * | 2008-04-29 | 2009-12-31 | American Express Travel Related Services Company, Inc. | Dynamic account authentication using a mobile device |
US8149085B2 (en) * | 2008-05-02 | 2012-04-03 | Research In Motion Limited | Coordinated security systems and methods for an electronic device |
US20090286544A1 (en) * | 2008-05-13 | 2009-11-19 | At&T Mobility Ii Llc | Administration of an access control list to femto cell coverage |
AU2009247677B2 (en) * | 2008-05-14 | 2014-09-04 | Visa Cape Town (Pty) Ltd | Mobile commerce payment system |
US20140025520A1 (en) | 2008-06-06 | 2014-01-23 | Ebay Inc. | Biometric authentication of mobile financial transactions by trusted service managers |
US20090307140A1 (en) | 2008-06-06 | 2009-12-10 | Upendra Mardikar | Mobile device over-the-air (ota) registration and point-of-sale (pos) payment |
US20160342995A9 (en) | 2008-06-06 | 2016-11-24 | Ebay Inc. | Biometric authentication of mobile financial transactions by trusted service managers |
US8543091B2 (en) * | 2008-06-06 | 2013-09-24 | Ebay Inc. | Secure short message service (SMS) communications |
JP2010140467A (en) * | 2008-11-13 | 2010-06-24 | Hitachi Ltd | Biometric authentication method, biometric authentication system, ic card and terminal |
US8245044B2 (en) * | 2008-11-14 | 2012-08-14 | Visa International Service Association | Payment transaction processing using out of band authentication |
US8386415B2 (en) * | 2008-12-01 | 2013-02-26 | At&T Mobility Ii Llc | Portable wireless enabled digital media frame |
US8131266B2 (en) * | 2008-12-18 | 2012-03-06 | Alcatel Lucent | Short message service communication security |
WO2010081218A1 (en) * | 2009-01-13 | 2010-07-22 | Neville Stephen W | Secure protocol for transactions |
KR20100088953A (en) * | 2009-02-02 | 2010-08-11 | 삼성전자주식회사 | Method and system for sharing contents at internet broadcasting system |
AU2010244100B2 (en) | 2009-05-03 | 2016-06-23 | Smk-Logomotion Corporation | A payment terminal using a mobile communication device, such as a mobile phone; a method of direct debit payment transaction |
US8286241B1 (en) * | 2009-09-02 | 2012-10-09 | Symantec Corporation | Identifying legitimate content using user-agent-based white listing |
US10454693B2 (en) | 2009-09-30 | 2019-10-22 | Visa International Service Association | Mobile payment application architecture |
HU231086B1 (en) * | 2009-10-07 | 2020-06-29 | Díjbeszedő Informatikai Kft. | Procedure to secure and initiate identified bankcard payment transaction, software for the said purpose and communication equipment containing such software |
US8447699B2 (en) | 2009-10-13 | 2013-05-21 | Qualcomm Incorporated | Global secure service provider directory |
US20110117883A1 (en) | 2009-11-19 | 2011-05-19 | David Drabo | Encrypted text messaging system and method therefor |
JP5552541B2 (en) * | 2009-12-04 | 2014-07-16 | クリプトグラフィ リサーチ, インコーポレイテッド | Verifiable leak-proof encryption and decryption |
WO2011084092A1 (en) * | 2010-01-08 | 2011-07-14 | Telefonaktiebolaget L M Ericsson (Publ) | A method and apparatus for social tagging of media files |
US8447970B2 (en) | 2010-02-09 | 2013-05-21 | Microsoft Corporation | Securing out-of-band messages |
US20110208761A1 (en) * | 2010-02-24 | 2011-08-25 | Microsoft Corporation | Coordinating content from multiple data sources |
US20110213665A1 (en) * | 2010-02-26 | 2011-09-01 | Bank Of America Corporation | Bank Based Advertising System |
CN101924785A (en) * | 2010-04-28 | 2010-12-22 | 华为技术有限公司 | Data uploading and downloading methods and system |
US8571218B2 (en) | 2010-06-01 | 2013-10-29 | GreatCall, Inc. | Short message service cipher |
US9235586B2 (en) * | 2010-09-13 | 2016-01-12 | Microsoft Technology Licensing, Llc | Reputation checking obtained files |
US8358596B2 (en) | 2010-09-20 | 2013-01-22 | Research In Motion Limited | Communications system providing mobile wireless communications device application module associations for respective wireless communications formats and related methods |
US9558481B2 (en) | 2010-09-28 | 2017-01-31 | Barclays Bank Plc | Secure account provisioning |
EP2622920B1 (en) * | 2010-09-29 | 2024-01-17 | QUALCOMM Incorporated | Non-transient computer readable storage medium and mobile computing device employing matching of access point identifiers |
US9558267B2 (en) * | 2011-02-11 | 2017-01-31 | International Business Machines Corporation | Real-time data mining |
US20180130548A1 (en) | 2011-02-14 | 2018-05-10 | Blaze Mobile | Using an NFC Enabled Mobile Device To Manage Digital Medical Artifacts |
US9204398B2 (en) * | 2011-03-21 | 2015-12-01 | Nokia Technologies Oy | Method and apparatus for battery with secure element |
US9450759B2 (en) | 2011-04-05 | 2016-09-20 | Apple Inc. | Apparatus and methods for controlling distribution of electronic access clients |
US9508072B2 (en) | 2011-08-26 | 2016-11-29 | Paypal, Inc. | Secure payment instruction system |
US8862767B2 (en) | 2011-09-02 | 2014-10-14 | Ebay Inc. | Secure elements broker (SEB) for application communication channel selector optimization |
US20130060661A1 (en) * | 2011-09-06 | 2013-03-07 | Apple Inc. | Managing access to digital content items |
US8819638B2 (en) * | 2011-09-20 | 2014-08-26 | Alcatel Lucent | Application protoyping suite |
US20130144968A1 (en) * | 2011-12-02 | 2013-06-06 | Adam L. Berger | Sharing files on a wireless device |
US8385553B1 (en) * | 2012-02-28 | 2013-02-26 | Google Inc. | Portable secure element |
US9037676B1 (en) * | 2012-03-02 | 2015-05-19 | Google Inc. | Systems and methods for scheduled online publishing of internet media |
US8925106B1 (en) * | 2012-04-20 | 2014-12-30 | Google Inc. | System and method of ownership of an online collection |
US9165125B2 (en) * | 2012-06-13 | 2015-10-20 | Mobilextension Inc. | Distribution of dynamic structured content |
US20140006486A1 (en) * | 2012-06-28 | 2014-01-02 | Google Inc. | System and method for determining appropriate content for an event content stream |
EP2880607A4 (en) * | 2012-08-02 | 2015-09-23 | Visa Int Service Ass | Issuing and storing of payment credentials |
WO2014028926A1 (en) * | 2012-08-17 | 2014-02-20 | Google Inc. | Wireless reader and payment transaction terminal functionality |
US9806886B2 (en) * | 2013-01-21 | 2017-10-31 | Alcatel Lucent | Service plane encryption in IP/MPLS networks |
US10063659B2 (en) * | 2013-07-01 | 2018-08-28 | Cynthia Fascenelli Kirkeby | Monetizing downloadable files based on resolving custodianship thereof to referring publisher and presentation of monetized content in a modal overlay contemporaneously with download |
US9641435B1 (en) * | 2014-03-28 | 2017-05-02 | Juniper Neworks, Inc. | Packet segmentation offload for virtual networks |
WO2016137277A1 (en) * | 2015-02-27 | 2016-09-01 | Samsung Electronics Co., Ltd. | Electronic device providing electronic payment function and operating method thereof |
US20180054438A1 (en) * | 2015-03-02 | 2018-02-22 | Microsoft Technology Licensing, Llc | Proxy service for uploading data from a source to a destination |
WO2017189629A1 (en) * | 2016-04-26 | 2017-11-02 | Ciphertext Solutions, Inc. | Issuance of virtual electronic cards using device and user-specific authentication information |
US10484494B2 (en) * | 2016-06-29 | 2019-11-19 | Rovi Guides, Inc. | Methods and systems for alerting users regarding availability of unconsumed content |
CN107770115B (en) * | 2016-08-15 | 2021-01-05 | 华为技术有限公司 | Method and system for distributing digital content in a peer-to-peer network |
CA3040115C (en) * | 2016-10-10 | 2022-05-24 | Stephen Rosa | Method and system for countering ransomware |
EP3571652B1 (en) * | 2017-01-23 | 2024-04-17 | Mastercard International Incorporated | Method and system for authentication via a trusted execution environment |
US11336619B2 (en) * | 2017-09-28 | 2022-05-17 | L3 Technologies, Inc. | Host process and memory separation |
US11847635B2 (en) * | 2018-07-24 | 2023-12-19 | Royal Bank Of Canada | Payment card with secure element and replenishable tokens |
US20200279258A1 (en) * | 2019-03-01 | 2020-09-03 | Visa International Service Association | Mobile payments using multiple cryptographic protocols |
US11461752B2 (en) * | 2019-08-23 | 2022-10-04 | Charles Isgar | Wifi sharing system with mesh network functionality |
-
2008
- 2008-10-10 US US12/249,145 patent/US20090307140A1/en not_active Abandoned
- 2008-12-11 US US12/332,775 patent/US20090307778A1/en not_active Abandoned
- 2008-12-19 US US12/339,850 patent/US8108318B2/en active Active
-
2009
- 2009-03-30 US US12/414,323 patent/US8150772B2/en active Active
- 2009-06-04 WO PCT/US2009/046322 patent/WO2010002541A1/en active Application Filing
- 2009-06-04 EP EP09773993.2A patent/EP2308014A4/en not_active Ceased
- 2009-06-04 CN CN200980121058.9A patent/CN102057386B/en active Active
- 2009-06-04 CN CN201510312392.XA patent/CN105046479B/en active Active
-
2011
- 2011-12-20 US US13/331,801 patent/US8417643B2/en active Active
-
2012
- 2012-03-12 US US13/418,196 patent/US8554689B2/en active Active
-
2013
- 2013-03-11 US US13/794,025 patent/US9852418B2/en active Active
-
2014
- 2014-10-31 US US14/529,692 patent/US9858566B2/en active Active
-
2017
- 2017-12-22 US US15/853,647 patent/US11521194B2/en active Active
- 2017-12-29 US US15/859,260 patent/US20180225654A1/en not_active Abandoned
Patent Citations (24)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US7251624B1 (en) * | 1992-09-08 | 2007-07-31 | Fair Isaac Corporation | Score based decisioning |
US6330546B1 (en) * | 1992-09-08 | 2001-12-11 | Hnc Software, Inc. | Risk determination and management using predictive modeling and transaction profiles for individual transacting entities |
US6282656B1 (en) * | 1996-12-04 | 2001-08-28 | Ynjiun Paul Wang | Electronic transaction systems and methods therefor |
US20020023215A1 (en) * | 1996-12-04 | 2002-02-21 | Wang Ynjiun P. | Electronic transaction systems and methods therefor |
US7635084B2 (en) * | 1996-12-04 | 2009-12-22 | Esignx Corporation | Electronic transaction systems and methods therefor |
US6594759B1 (en) * | 1996-12-04 | 2003-07-15 | Esignx Corporation | Authorization firmware for conducting transactions with an electronic transaction system and methods therefor |
US6175922B1 (en) * | 1996-12-04 | 2001-01-16 | Esign, Inc. | Electronic transaction systems and methods therefor |
US6850916B1 (en) * | 1998-04-27 | 2005-02-01 | Esignx Corporation | Portable electronic charge and authorization devices and methods therefor |
US7107246B2 (en) * | 1998-04-27 | 2006-09-12 | Esignx Corporation | Methods of exchanging secure messages |
US20020099649A1 (en) * | 2000-04-06 | 2002-07-25 | Lee Walter W. | Identification and management of fraudulent credit/debit card purchases at merchant ecommerce sites |
US20030145205A1 (en) * | 2000-04-14 | 2003-07-31 | Branko Sarcanin | Method and system for a virtual safe |
US20050171898A1 (en) * | 2001-07-10 | 2005-08-04 | American Express Travel Related Services Company, Inc. | Systems and methods for managing multiple accounts on a rf transaction device using secondary identification indicia |
US20050289078A1 (en) * | 2001-12-21 | 2005-12-29 | Jean-Philippe Wary | Electronic signature method |
US20030191709A1 (en) * | 2002-04-03 | 2003-10-09 | Stephen Elston | Distributed payment and loyalty processing for retail and vending |
US20070022058A1 (en) * | 2002-08-08 | 2007-01-25 | Fujitsu Limited | Wireless computer wallet for physical point of sale (POS) transactions |
US20050273609A1 (en) * | 2004-06-04 | 2005-12-08 | Nokia Corporation | Setting up a short-range wireless data transmission connection between devices |
US20060015580A1 (en) * | 2004-07-01 | 2006-01-19 | Home Box Office, A Delaware Corporation | Multimedia content distribution |
US20080010678A1 (en) * | 2004-09-17 | 2008-01-10 | Jeff Burdette | Authentication Proxy |
US20080222038A1 (en) * | 2005-07-05 | 2008-09-11 | Tomer Eden | Location Based Authentication System |
US20070112667A1 (en) * | 2005-10-31 | 2007-05-17 | Dun And Bradstreet | System and method for providing a fraud risk score |
US20080065885A1 (en) * | 2006-09-08 | 2008-03-13 | Yasushi Nagai | Data processing apparatus |
US20080275748A1 (en) * | 2007-05-04 | 2008-11-06 | Michael Sasha John | Systems and methods for facilitating electronic transactions and deterring fraud |
US20080288405A1 (en) * | 2007-05-20 | 2008-11-20 | Michael Sasha John | Systems and Methods for Automatic and Transparent Client Authentication and Online Transaction Verification |
US20080319896A1 (en) * | 2007-06-25 | 2008-12-25 | Mark Carlson | Cardless challenge systems and methods |
Cited By (181)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US9710852B1 (en) | 2002-05-30 | 2017-07-18 | Consumerinfo.Com, Inc. | Credit report timeline user interface |
US9400589B1 (en) | 2002-05-30 | 2016-07-26 | Consumerinfo.Com, Inc. | Circular rotational interface for display of consumer credit information |
US8195549B2 (en) | 2002-09-21 | 2012-06-05 | Consumerinfo.Com, Inc. | Systems and methods of on-line credit information monitoring and control |
US8515844B2 (en) | 2002-09-21 | 2013-08-20 | Consumerinfo.Com, Inc. | Systems and methods of on-line credit information monitoring and control |
US8781953B2 (en) | 2003-03-21 | 2014-07-15 | Consumerinfo.Com, Inc. | Card management system and method |
US8175889B1 (en) | 2005-04-06 | 2012-05-08 | Experian Information Solutions, Inc. | Systems and methods for tracking changes of address based on service disconnect/connect data |
US8359278B2 (en) | 2006-10-25 | 2013-01-22 | IndentityTruth, Inc. | Identity protection |
US10776791B2 (en) | 2007-03-16 | 2020-09-15 | Visa International Service Association | System and method for identity protection using mobile device signaling network derived location pattern recognition |
US11405781B2 (en) | 2007-03-16 | 2022-08-02 | Visa International Service Association | System and method for mobile identity protection for online user authentication |
US8364588B2 (en) | 2007-05-25 | 2013-01-29 | Experian Information Solutions, Inc. | System and method for automated detection of never-pay data sets |
US9251541B2 (en) | 2007-05-25 | 2016-02-02 | Experian Information Solutions, Inc. | System and method for automated detection of never-pay data sets |
US10614519B2 (en) | 2007-12-14 | 2020-04-07 | Consumerinfo.Com, Inc. | Card registry systems and methods |
US9230283B1 (en) | 2007-12-14 | 2016-01-05 | Consumerinfo.Com, Inc. | Card registry systems and methods |
US10878499B2 (en) | 2007-12-14 | 2020-12-29 | Consumerinfo.Com, Inc. | Card registry systems and methods |
US8464939B1 (en) | 2007-12-14 | 2013-06-18 | Consumerinfo.Com, Inc. | Card registry systems and methods |
US9767513B1 (en) | 2007-12-14 | 2017-09-19 | Consumerinfo.Com, Inc. | Card registry systems and methods |
US9542682B1 (en) | 2007-12-14 | 2017-01-10 | Consumerinfo.Com, Inc. | Card registry systems and methods |
US10262364B2 (en) | 2007-12-14 | 2019-04-16 | Consumerinfo.Com, Inc. | Card registry systems and methods |
US11379916B1 (en) | 2007-12-14 | 2022-07-05 | Consumerinfo.Com, Inc. | Card registry systems and methods |
US11769112B2 (en) | 2008-06-26 | 2023-09-26 | Experian Marketing Solutions, Llc | Systems and methods for providing an integrated identifier |
US8312033B1 (en) | 2008-06-26 | 2012-11-13 | Experian Marketing Solutions, Inc. | Systems and methods for providing an integrated identifier |
US11157872B2 (en) | 2008-06-26 | 2021-10-26 | Experian Marketing Solutions, Llc | Systems and methods for providing an integrated identifier |
US10075446B2 (en) | 2008-06-26 | 2018-09-11 | Experian Marketing Solutions, Inc. | Systems and methods for providing an integrated identifier |
US8954459B1 (en) | 2008-06-26 | 2015-02-10 | Experian Marketing Solutions, Inc. | Systems and methods for providing an integrated identifier |
US9792648B1 (en) | 2008-08-14 | 2017-10-17 | Experian Information Solutions, Inc. | Multi-bureau credit file freeze and unfreeze |
US11636540B1 (en) | 2008-08-14 | 2023-04-25 | Experian Information Solutions, Inc. | Multi-bureau credit file freeze and unfreeze |
US11004147B1 (en) | 2008-08-14 | 2021-05-11 | Experian Information Solutions, Inc. | Multi-bureau credit file freeze and unfreeze |
US9256904B1 (en) | 2008-08-14 | 2016-02-09 | Experian Information Solutions, Inc. | Multi-bureau credit file freeze and unfreeze |
US9489694B2 (en) | 2008-08-14 | 2016-11-08 | Experian Information Solutions, Inc. | Multi-bureau credit file freeze and unfreeze |
US10115155B1 (en) | 2008-08-14 | 2018-10-30 | Experian Information Solution, Inc. | Multi-bureau credit file freeze and unfreeze |
US10650448B1 (en) | 2008-08-14 | 2020-05-12 | Experian Information Solutions, Inc. | Multi-bureau credit file freeze and unfreeze |
US10621657B2 (en) | 2008-11-05 | 2020-04-14 | Consumerinfo.Com, Inc. | Systems and methods of credit information reporting |
US20120130898A1 (en) * | 2009-07-07 | 2012-05-24 | Finsphere, Inc. | Mobile directory number and email verification of financial transactions |
US20180075437A1 (en) * | 2009-07-07 | 2018-03-15 | Visa International Service Association | Data verification in transactions in distributed network |
US11301855B2 (en) * | 2009-07-07 | 2022-04-12 | Visa International Service Association | Data verification in transactions in distributed network |
US11797997B2 (en) | 2009-07-07 | 2023-10-24 | Visa International Service Association | Data verification in transactions in distributed network |
US20110145137A1 (en) * | 2009-09-30 | 2011-06-16 | Justin Driemeyer | Apparatuses,methods and systems for a trackable virtual currencies platform |
US8326751B2 (en) * | 2009-09-30 | 2012-12-04 | Zynga Inc. | Apparatuses,methods and systems for a trackable virtual currencies platform |
US8315944B2 (en) * | 2009-09-30 | 2012-11-20 | Zynga Inc. | Apparatuses, methods and systems for a trackable virtual currencies platform |
US20120016796A1 (en) * | 2009-09-30 | 2012-01-19 | Zynga, Inc. | Apparatuses, Methods and Systems for a Trackable Virtual Currencies Platform |
US8924438B2 (en) * | 2009-11-12 | 2014-12-30 | Verizon Patent And Licensing Inc. | Usage record enhancement and analysis |
US20110113045A1 (en) * | 2009-11-12 | 2011-05-12 | Verizon Patent And Licensing Inc. | Usage record enhancement and analysis |
US10909617B2 (en) | 2010-03-24 | 2021-02-02 | Consumerinfo.Com, Inc. | Indirect monitoring and reporting of a user's credit data |
US20110238564A1 (en) * | 2010-03-26 | 2011-09-29 | Kwang Hyun Lim | System and Method for Early Detection of Fraudulent Transactions |
WO2011119976A3 (en) * | 2010-03-26 | 2012-02-02 | Visa International Service Association | System and method for early detection of fraudulent transactions |
WO2011119976A2 (en) * | 2010-03-26 | 2011-09-29 | Visa International Service Association | System and method for early detection of fraudulent transactions |
US8744956B1 (en) | 2010-07-01 | 2014-06-03 | Experian Information Solutions, Inc. | Systems and methods for permission arbitrated transaction services |
US8931058B2 (en) | 2010-07-01 | 2015-01-06 | Experian Information Solutions, Inc. | Systems and methods for permission arbitrated transaction services |
US8782217B1 (en) | 2010-11-10 | 2014-07-15 | Safetyweb, Inc. | Online identity management |
US8478674B1 (en) | 2010-11-12 | 2013-07-02 | Consumerinfo.Com, Inc. | Application clusters |
US8818888B1 (en) | 2010-11-12 | 2014-08-26 | Consumerinfo.Com, Inc. | Application clusters |
US9684905B1 (en) | 2010-11-22 | 2017-06-20 | Experian Information Solutions, Inc. | Systems and methods for data verification |
US9147042B1 (en) | 2010-11-22 | 2015-09-29 | Experian Information Solutions, Inc. | Systems and methods for data verification |
US9710868B2 (en) | 2011-02-18 | 2017-07-18 | Csidentity Corporation | System and methods for identifying compromised personally identifiable information on the internet |
US9235728B2 (en) | 2011-02-18 | 2016-01-12 | Csidentity Corporation | System and methods for identifying compromised personally identifiable information on the internet |
US9558368B2 (en) | 2011-02-18 | 2017-01-31 | Csidentity Corporation | System and methods for identifying compromised personally identifiable information on the internet |
US10593004B2 (en) | 2011-02-18 | 2020-03-17 | Csidentity Corporation | System and methods for identifying compromised personally identifiable information on the internet |
US10115079B1 (en) | 2011-06-16 | 2018-10-30 | Consumerinfo.Com, Inc. | Authentication alerts |
US9665854B1 (en) | 2011-06-16 | 2017-05-30 | Consumerinfo.Com, Inc. | Authentication alerts |
US10719873B1 (en) | 2011-06-16 | 2020-07-21 | Consumerinfo.Com, Inc. | Providing credit inquiry alerts |
US11954655B1 (en) | 2011-06-16 | 2024-04-09 | Consumerinfo.Com, Inc. | Authentication alerts |
US9607336B1 (en) | 2011-06-16 | 2017-03-28 | Consumerinfo.Com, Inc. | Providing credit inquiry alerts |
US11232413B1 (en) | 2011-06-16 | 2022-01-25 | Consumerinfo.Com, Inc. | Authentication alerts |
US10685336B1 (en) | 2011-06-16 | 2020-06-16 | Consumerinfo.Com, Inc. | Authentication alerts |
US10176233B1 (en) | 2011-07-08 | 2019-01-08 | Consumerinfo.Com, Inc. | Lifescore |
US10798197B2 (en) | 2011-07-08 | 2020-10-06 | Consumerinfo.Com, Inc. | Lifescore |
US11665253B1 (en) | 2011-07-08 | 2023-05-30 | Consumerinfo.Com, Inc. | LifeScore |
US10061936B1 (en) | 2011-09-16 | 2018-08-28 | Consumerinfo.Com, Inc. | Systems and methods of identity protection and management |
US9106691B1 (en) | 2011-09-16 | 2015-08-11 | Consumerinfo.Com, Inc. | Systems and methods of identity protection and management |
US9542553B1 (en) | 2011-09-16 | 2017-01-10 | Consumerinfo.Com, Inc. | Systems and methods of identity protection and management |
US11087022B2 (en) | 2011-09-16 | 2021-08-10 | Consumerinfo.Com, Inc. | Systems and methods of identity protection and management |
US11790112B1 (en) | 2011-09-16 | 2023-10-17 | Consumerinfo.Com, Inc. | Systems and methods of identity protection and management |
US10642999B2 (en) | 2011-09-16 | 2020-05-05 | Consumerinfo.Com, Inc. | Systems and methods of identity protection and management |
US9237152B2 (en) | 2011-09-20 | 2016-01-12 | Csidentity Corporation | Systems and methods for secure and efficient enrollment into a federation which utilizes a biometric repository |
US8819793B2 (en) | 2011-09-20 | 2014-08-26 | Csidentity Corporation | Systems and methods for secure and efficient enrollment into a federation which utilizes a biometric repository |
US9972048B1 (en) | 2011-10-13 | 2018-05-15 | Consumerinfo.Com, Inc. | Debt services candidate locator |
US11200620B2 (en) | 2011-10-13 | 2021-12-14 | Consumerinfo.Com, Inc. | Debt services candidate locator |
US9536263B1 (en) | 2011-10-13 | 2017-01-03 | Consumerinfo.Com, Inc. | Debt services candidate locator |
US11568348B1 (en) | 2011-10-31 | 2023-01-31 | Consumerinfo.Com, Inc. | Pre-data breach monitoring |
US11030562B1 (en) | 2011-10-31 | 2021-06-08 | Consumerinfo.Com, Inc. | Pre-data breach monitoring |
US9853959B1 (en) | 2012-05-07 | 2017-12-26 | Consumerinfo.Com, Inc. | Storage and maintenance of personal data |
US11356430B1 (en) | 2012-05-07 | 2022-06-07 | Consumerinfo.Com, Inc. | Storage and maintenance of personal data |
US11475431B2 (en) * | 2012-07-16 | 2022-10-18 | Block, Inc. | Transaction processing by multiple devices |
US11669826B2 (en) | 2012-07-16 | 2023-06-06 | Block, Inc. | Transaction processing by multiple devices |
US20200082376A1 (en) * | 2012-07-16 | 2020-03-12 | Square, Inc. | Storing and Forwarding Payment Transactions |
US8843398B2 (en) * | 2012-07-23 | 2014-09-23 | Wal-Mart Stores, Inc. | Transferring digital receipt data to mobile devices |
US20140025517A1 (en) * | 2012-07-23 | 2014-01-23 | Wal-Mart Stores, Inc. | Transferring digital receipt data to mobile devices |
US8738454B2 (en) * | 2012-07-23 | 2014-05-27 | Wal-Mart Stores, Inc. | Transferring digital receipt data to mobile devices |
US20140074655A1 (en) * | 2012-09-07 | 2014-03-13 | David Lim | System, apparatus and methods for online one-tap account addition and checkout |
US10277659B1 (en) | 2012-11-12 | 2019-04-30 | Consumerinfo.Com, Inc. | Aggregating user web browsing data |
US11863310B1 (en) | 2012-11-12 | 2024-01-02 | Consumerinfo.Com, Inc. | Aggregating user web browsing data |
US9654541B1 (en) | 2012-11-12 | 2017-05-16 | Consumerinfo.Com, Inc. | Aggregating user web browsing data |
US11012491B1 (en) | 2012-11-12 | 2021-05-18 | ConsumerInfor.com, Inc. | Aggregating user web browsing data |
US8856894B1 (en) | 2012-11-28 | 2014-10-07 | Consumerinfo.Com, Inc. | Always on authentication |
US11132742B1 (en) | 2012-11-30 | 2021-09-28 | Consumerlnfo.com, Inc. | Credit score goals and alerts systems and methods |
US11308551B1 (en) | 2012-11-30 | 2022-04-19 | Consumerinfo.Com, Inc. | Credit data analysis |
US9830646B1 (en) | 2012-11-30 | 2017-11-28 | Consumerinfo.Com, Inc. | Credit score goals and alerts systems and methods |
US10366450B1 (en) | 2012-11-30 | 2019-07-30 | Consumerinfo.Com, Inc. | Credit data analysis |
US10963959B2 (en) | 2012-11-30 | 2021-03-30 | Consumerinfo. Com, Inc. | Presentation of credit score factors |
US11651426B1 (en) | 2012-11-30 | 2023-05-16 | Consumerlnfo.com, Inc. | Credit score goals and alerts systems and methods |
US10255598B1 (en) | 2012-12-06 | 2019-04-09 | Consumerinfo.Com, Inc. | Credit card account data extraction |
US8972400B1 (en) | 2013-03-11 | 2015-03-03 | Consumerinfo.Com, Inc. | Profile data management |
US10929925B1 (en) | 2013-03-14 | 2021-02-23 | Consumerlnfo.com, Inc. | System and methods for credit dispute processing, resolution, and reporting |
US10592982B2 (en) | 2013-03-14 | 2020-03-17 | Csidentity Corporation | System and method for identifying related credit inquiries |
US11769200B1 (en) | 2013-03-14 | 2023-09-26 | Consumerinfo.Com, Inc. | Account vulnerability alerts |
US9697568B1 (en) | 2013-03-14 | 2017-07-04 | Consumerinfo.Com, Inc. | System and methods for credit dispute processing, resolution, and reporting |
US10102570B1 (en) | 2013-03-14 | 2018-10-16 | Consumerinfo.Com, Inc. | Account vulnerability alerts |
US9406085B1 (en) | 2013-03-14 | 2016-08-02 | Consumerinfo.Com, Inc. | System and methods for credit dispute processing, resolution, and reporting |
US10043214B1 (en) | 2013-03-14 | 2018-08-07 | Consumerinfo.Com, Inc. | System and methods for credit dispute processing, resolution, and reporting |
US11113759B1 (en) | 2013-03-14 | 2021-09-07 | Consumerinfo.Com, Inc. | Account vulnerability alerts |
US9870589B1 (en) | 2013-03-14 | 2018-01-16 | Consumerinfo.Com, Inc. | Credit utilization tracking and reporting |
US11514519B1 (en) | 2013-03-14 | 2022-11-29 | Consumerinfo.Com, Inc. | System and methods for credit dispute processing, resolution, and reporting |
US10169761B1 (en) | 2013-03-15 | 2019-01-01 | ConsumerInfo.com Inc. | Adjustment of knowledge-based authentication |
US10740762B2 (en) | 2013-03-15 | 2020-08-11 | Consumerinfo.Com, Inc. | Adjustment of knowledge-based authentication |
US11790473B2 (en) | 2013-03-15 | 2023-10-17 | Csidentity Corporation | Systems and methods of delayed authentication and billing for on-demand products |
US11288677B1 (en) | 2013-03-15 | 2022-03-29 | Consumerlnfo.com, Inc. | Adjustment of knowledge-based authentication |
US10664936B2 (en) | 2013-03-15 | 2020-05-26 | Csidentity Corporation | Authentication systems and methods for on-demand products |
US11164271B2 (en) | 2013-03-15 | 2021-11-02 | Csidentity Corporation | Systems and methods of delayed authentication and billing for on-demand products |
US11775979B1 (en) | 2013-03-15 | 2023-10-03 | Consumerinfo.Com, Inc. | Adjustment of knowledge-based authentication |
US9633322B1 (en) | 2013-03-15 | 2017-04-25 | Consumerinfo.Com, Inc. | Adjustment of knowledge-based authentication |
US10685398B1 (en) | 2013-04-23 | 2020-06-16 | Consumerinfo.Com, Inc. | Presenting credit score information |
US9721147B1 (en) | 2013-05-23 | 2017-08-01 | Consumerinfo.Com, Inc. | Digital identity |
US11120519B2 (en) | 2013-05-23 | 2021-09-14 | Consumerinfo.Com, Inc. | Digital identity |
US11803929B1 (en) | 2013-05-23 | 2023-10-31 | Consumerinfo.Com, Inc. | Digital identity |
US10453159B2 (en) | 2013-05-23 | 2019-10-22 | Consumerinfo.Com, Inc. | Digital identity |
US9443268B1 (en) | 2013-08-16 | 2016-09-13 | Consumerinfo.Com, Inc. | Bill payment and reporting |
US10157407B2 (en) | 2013-10-29 | 2018-12-18 | Elwha Llc | Financier-facilitated guaranty provisioning |
US9934498B2 (en) | 2013-10-29 | 2018-04-03 | Elwha Llc | Facilitating guaranty provisioning for an exchange |
US20150120473A1 (en) * | 2013-10-29 | 2015-04-30 | Elwha LLC, a limited liability corporation of the State of Delaware | Vendor-facilitated guaranty provisioning |
US9818105B2 (en) | 2013-10-29 | 2017-11-14 | Elwha Llc | Guaranty provisioning via wireless service purveyance |
US10325314B1 (en) | 2013-11-15 | 2019-06-18 | Consumerinfo.Com, Inc. | Payment reporting systems |
US10269065B1 (en) | 2013-11-15 | 2019-04-23 | Consumerinfo.Com, Inc. | Bill payment and reporting |
US10025842B1 (en) | 2013-11-20 | 2018-07-17 | Consumerinfo.Com, Inc. | Systems and user interfaces for dynamic access of multiple remote databases and synchronization of data based on user rules |
US10628448B1 (en) | 2013-11-20 | 2020-04-21 | Consumerinfo.Com, Inc. | Systems and user interfaces for dynamic access of multiple remote databases and synchronization of data based on user rules |
US9477737B1 (en) | 2013-11-20 | 2016-10-25 | Consumerinfo.Com, Inc. | Systems and user interfaces for dynamic access of multiple remote databases and synchronization of data based on user rules |
US11461364B1 (en) | 2013-11-20 | 2022-10-04 | Consumerinfo.Com, Inc. | Systems and user interfaces for dynamic access of multiple remote databases and synchronization of data based on user rules |
USD759689S1 (en) | 2014-03-25 | 2016-06-21 | Consumerinfo.Com, Inc. | Display screen or portion thereof with graphical user interface |
USD759690S1 (en) | 2014-03-25 | 2016-06-21 | Consumerinfo.Com, Inc. | Display screen or portion thereof with graphical user interface |
USD760256S1 (en) | 2014-03-25 | 2016-06-28 | Consumerinfo.Com, Inc. | Display screen or portion thereof with graphical user interface |
US9892457B1 (en) | 2014-04-16 | 2018-02-13 | Consumerinfo.Com, Inc. | Providing credit data in search results |
US10482532B1 (en) | 2014-04-16 | 2019-11-19 | Consumerinfo.Com, Inc. | Providing credit data in search results |
US11074641B1 (en) | 2014-04-25 | 2021-07-27 | Csidentity Corporation | Systems, methods and computer-program products for eligibility verification |
US11587150B1 (en) | 2014-04-25 | 2023-02-21 | Csidentity Corporation | Systems and methods for eligibility verification |
US10373240B1 (en) | 2014-04-25 | 2019-08-06 | Csidentity Corporation | Systems, methods and computer-program products for eligibility verification |
US9727859B1 (en) * | 2014-05-20 | 2017-08-08 | Carolina Coupon Clearing, Inc. | Methods, systems, and computer program products for using shopper credentials to initiate payment for a purchase by matching the credentials with an open approval from a financial institution |
WO2016048661A1 (en) * | 2014-09-23 | 2016-03-31 | Sony Corporation | Using mobile device to monitor for electronic bank card communication |
US11436606B1 (en) | 2014-10-31 | 2022-09-06 | Experian Information Solutions, Inc. | System and architecture for electronic fraud detection |
US10990979B1 (en) | 2014-10-31 | 2021-04-27 | Experian Information Solutions, Inc. | System and architecture for electronic fraud detection |
US10339527B1 (en) | 2014-10-31 | 2019-07-02 | Experian Information Solutions, Inc. | System and architecture for electronic fraud detection |
US11941635B1 (en) | 2014-10-31 | 2024-03-26 | Experian Information Solutions, Inc. | System and architecture for electronic fraud detection |
US9858575B2 (en) | 2014-12-16 | 2018-01-02 | At&T Mobility Ii Llc | Fraud detection via mobile device location tracking |
US20160189134A1 (en) * | 2014-12-31 | 2016-06-30 | Ebay Inc. | Collaborating user devices for security |
US10607226B2 (en) | 2015-04-14 | 2020-03-31 | Samsung Electronics Co., Ltd. | System and method for fraud detection in a mobile device |
WO2016167544A1 (en) * | 2015-04-14 | 2016-10-20 | Samsung Electronics Co., Ltd. | Apparatus and method for fraud detection in a mobile device |
US11151468B1 (en) | 2015-07-02 | 2021-10-19 | Experian Information Solutions, Inc. | Behavior analysis using distributed representations of event data |
US11127010B2 (en) | 2015-07-14 | 2021-09-21 | Samsung Electronics Co., Ltd. | Electronic device, certification agency server, and payment system |
US20200051176A1 (en) * | 2017-03-31 | 2020-02-13 | Nec Corporation | Analysis system |
WO2019040156A1 (en) * | 2017-08-25 | 2019-02-28 | Google Llc | Mobile device security for electronic payments |
US11157650B1 (en) | 2017-09-28 | 2021-10-26 | Csidentity Corporation | Identity security architecture systems and methods |
US10699028B1 (en) | 2017-09-28 | 2020-06-30 | Csidentity Corporation | Identity security architecture systems and methods |
US11580259B1 (en) | 2017-09-28 | 2023-02-14 | Csidentity Corporation | Identity security architecture systems and methods |
US10896472B1 (en) | 2017-11-14 | 2021-01-19 | Csidentity Corporation | Security and identity verification system and architecture |
US20190318358A1 (en) * | 2018-04-11 | 2019-10-17 | Wells Fargo Bank, N.A. | System and methods for assessing risk of fraud in an electronic transaction |
US11416863B2 (en) * | 2018-04-11 | 2022-08-16 | Wells Fargo Bank, N.A. | System and methods for assessing risk of fraud in an electronic transaction |
US11588639B2 (en) | 2018-06-22 | 2023-02-21 | Experian Information Solutions, Inc. | System and method for a token gateway environment |
US10911234B2 (en) | 2018-06-22 | 2021-02-02 | Experian Information Solutions, Inc. | System and method for a token gateway environment |
WO2020009769A1 (en) * | 2018-07-06 | 2020-01-09 | Mastercard International Incorporated | System and method for electronic funds transfer (eft) security |
US11107078B2 (en) | 2018-07-06 | 2021-08-31 | Mastercard International Incorporated | System and method for electronic funds transfer (EFT) security |
US11265324B2 (en) | 2018-09-05 | 2022-03-01 | Consumerinfo.Com, Inc. | User permissions for access to secure data at third-party |
US10880313B2 (en) | 2018-09-05 | 2020-12-29 | Consumerinfo.Com, Inc. | Database platform for realtime updating of user data from third party sources |
US10671749B2 (en) | 2018-09-05 | 2020-06-02 | Consumerinfo.Com, Inc. | Authenticated access and aggregation database platform |
US11399029B2 (en) | 2018-09-05 | 2022-07-26 | Consumerinfo.Com, Inc. | Database platform for realtime updating of user data from third party sources |
US11538063B2 (en) | 2018-09-12 | 2022-12-27 | Samsung Electronics Co., Ltd. | Online fraud prevention and detection based on distributed system |
US11315179B1 (en) | 2018-11-16 | 2022-04-26 | Consumerinfo.Com, Inc. | Methods and apparatuses for customized card recommendations |
US11238656B1 (en) | 2019-02-22 | 2022-02-01 | Consumerinfo.Com, Inc. | System and method for an augmented reality experience via an artificial intelligence bot |
US11842454B1 (en) | 2019-02-22 | 2023-12-12 | Consumerinfo.Com, Inc. | System and method for an augmented reality experience via an artificial intelligence bot |
US11900384B2 (en) | 2019-06-28 | 2024-02-13 | Paypal, Inc. | Radial time schema for event probability classification |
US11403641B2 (en) | 2019-06-28 | 2022-08-02 | Paypal, Inc. | Transactional probability analysis on radial time representation |
US11308498B2 (en) * | 2019-07-15 | 2022-04-19 | Visa International Service Association | Real-time risk based payment decision service for transit system |
US11941065B1 (en) | 2019-09-13 | 2024-03-26 | Experian Information Solutions, Inc. | Single identifier platform for storing entity data |
US11665277B2 (en) * | 2020-03-19 | 2023-05-30 | Anatoly S. Weiser | Apparatus, methods, and articles of manufacture for filtering calls and reducing spoofing and spamming |
Also Published As
Publication number | Publication date |
---|---|
CN102057386B (en) | 2015-07-01 |
EP2308014A4 (en) | 2013-11-06 |
US20120089520A1 (en) | 2012-04-12 |
US8108318B2 (en) | 2012-01-31 |
US20130198086A1 (en) | 2013-08-01 |
US8417643B2 (en) | 2013-04-09 |
US8150772B2 (en) | 2012-04-03 |
US20120173434A1 (en) | 2012-07-05 |
US9858566B2 (en) | 2018-01-02 |
US20090307139A1 (en) | 2009-12-10 |
US9852418B2 (en) | 2017-12-26 |
CN102057386A (en) | 2011-05-11 |
US20180225654A1 (en) | 2018-08-09 |
EP2308014A1 (en) | 2011-04-13 |
US20090307142A1 (en) | 2009-12-10 |
US20180218358A1 (en) | 2018-08-02 |
CN105046479A (en) | 2015-11-11 |
CN105046479B (en) | 2020-01-24 |
US11521194B2 (en) | 2022-12-06 |
US8554689B2 (en) | 2013-10-08 |
US20150056957A1 (en) | 2015-02-26 |
WO2010002541A1 (en) | 2010-01-07 |
US20090307140A1 (en) | 2009-12-10 |
Similar Documents
Publication | Publication Date | Title |
---|---|---|
US20090307778A1 (en) | Mobile User Identify And Risk/Fraud Model Service | |
US20200226568A1 (en) | Marketing messages in mobile commerce | |
US11694180B2 (en) | Enrollment and registration of a device in a mobile commerce system | |
US20190188607A1 (en) | Mobile commercial systems and methods | |
US20200027088A1 (en) | Systems and methods for facilitating offline payments | |
US11127009B2 (en) | Methods and systems for using a mobile device to effect a secure electronic transaction | |
US20170193515A1 (en) | Method for determining if a current wallet-based transaction initiated by a digital wallet user is fraudulent | |
US20080208762A1 (en) | Payments using a mobile commerce device | |
US20080208742A1 (en) | Provisioning of a device for mobile commerce | |
US20080208743A1 (en) | Transfer of value between mobile devices in a mobile commerce system | |
US20080208741A1 (en) | Account information lookup systems and methods in mobile commerce | |
US20110302083A1 (en) | Method and system for controlling access to a financial account | |
US20120284194A1 (en) | Secure card-based transactions using mobile phones or other mobile devices | |
US8666906B1 (en) | Discrete verification of payment information | |
US20160217464A1 (en) | Mobile transaction devices enabling unique identifiers for facilitating credit checks | |
EP2558989A1 (en) | Secure and shareable payment system using trusted personal device | |
US11928654B2 (en) | Application program interface for conversion of stored value cards | |
Almuairfi et al. | Anonymous proximity mobile payment (APMP) | |
US20230072087A1 (en) | Multifunctional user device | |
EP2824625B1 (en) | Method for conducting a transaction, corresponding terminal and computer program | |
US11823140B2 (en) | Server and method for sending a transaction receipt via a push notification | |
US20170337547A1 (en) | System and method for wallet transaction scoring using wallet content and connection origination | |
Liburd et al. | Efficient M-Commerce Platform for Developing Countries |
Legal Events
Date | Code | Title | Description |
---|---|---|---|
AS | Assignment |
Owner name: EBAY INC., CALIFORNIA Free format text: ASSIGNMENT OF ASSIGNORS INTEREST;ASSIGNOR:MARDIKAR, UPENDRA;REEL/FRAME:021967/0025 Effective date: 20081201 |
|
AS | Assignment |
Owner name: PAYPAL, INC., CALIFORNIA Free format text: ASSIGNMENT OF ASSIGNORS INTEREST;ASSIGNOR:EBAY INC.;REEL/FRAME:036170/0540 Effective date: 20150717 |
|
STCB | Information on status: application discontinuation |
Free format text: ABANDONED -- FAILURE TO RESPOND TO AN OFFICE ACTION |