RU2008113214A - Система и способ использования защищенных номеров счетов в устройствах бесконтактного действия - Google Patents

Система и способ использования защищенных номеров счетов в устройствах бесконтактного действия Download PDF

Info

Publication number
RU2008113214A
RU2008113214A RU2008113214/09A RU2008113214A RU2008113214A RU 2008113214 A RU2008113214 A RU 2008113214A RU 2008113214/09 A RU2008113214/09 A RU 2008113214/09A RU 2008113214 A RU2008113214 A RU 2008113214A RU 2008113214 A RU2008113214 A RU 2008113214A
Authority
RU
Russia
Prior art keywords
account number
wireless
transaction
contactless
real
Prior art date
Application number
RU2008113214/09A
Other languages
English (en)
Other versions
RU2419872C2 (ru
Inventor
Патрик ГОТЬЕ (US)
Патрик Готье
Брайан МОУ (US)
Брайан МОУ
Патрик ФЭЙЗ (US)
Патрик ФЭЙЗ
Барбара ПАТТЕРСОН (US)
Барбара ПАТТЕРСОН
Original Assignee
Виза Ю.Эс.Эй. Инк. (Us)
Виза Ю.Эс.Эй. Инк.
Виза Интернэшнл Сервис Ассосиэйшн (Us)
Виза Интернэшнл Сервис Ассосиэйшн
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Family has litigation
First worldwide family litigation filed litigation Critical https://patents.darts-ip.com/?family=37831139&utm_source=***_patent&utm_medium=platform_link&utm_campaign=public_patent_search&patent=RU2008113214(A) "Global patent litigation dataset” by Darts-ip is licensed under a Creative Commons Attribution 4.0 International License.
Application filed by Виза Ю.Эс.Эй. Инк. (Us), Виза Ю.Эс.Эй. Инк., Виза Интернэшнл Сервис Ассосиэйшн (Us), Виза Интернэшнл Сервис Ассосиэйшн filed Critical Виза Ю.Эс.Эй. Инк. (Us)
Publication of RU2008113214A publication Critical patent/RU2008113214A/ru
Application granted granted Critical
Publication of RU2419872C2 publication Critical patent/RU2419872C2/ru

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
    • 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
    • G06Q20/22—Payment schemes or models
    • G06Q20/24—Credit schemes, i.e. "pay after"
    • 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
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/352—Contactless payments by cards
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Theoretical Computer Science (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Computer Security & Cryptography (AREA)
  • Marketing (AREA)
  • Technology Law (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Cash Registers Or Receiving Machines (AREA)

Abstract

1. Способ, содержащий этапы, на которых: ! принимают сообщение с запросом авторизации, где сообщение с запросом авторизации включает в себя защищенный номер счета, причем сообщение с запросом авторизации инициировано беспроводным взаимодействием между портативным потребительским устройством бесконтактного действия, включающим в себя реальный номер счета, модуль беспроводной передачи и запоминающее устройство с предварительно загруженным защищенным номером счета, и устройством бесконтактного считывания, содержащим второй модуль беспроводной связи, при этом защищенный номер счета связан с реальным номером счета, и при этом защищенный номер счета передается беспроводным образом с первого модуля беспроводной передачи портативного потребительского устройства бесконтактного действия на второй модуль беспроводной передачи устройства бесконтактного считывания; и ! определяют реальный номер счета с использованием защищенного номера счета после приема сообщения с запросом авторизации, включающего в себя защищенный номер счета. ! 2. Способ по п.1, в котором защищенный номер счета передается исключительно беспроводным образом на устройство бесконтактного считывания в случае присутствия беспроводной финансовой транзакции, причем реальный номер счета используется для финансовых транзакций, отличных от беспроводных. ! 3. Способ по п.1, дополнительно включающий в себя этап, на котором посылают ответное сообщение авторизации после определения реального номера счета посредством использования защищенного номера счета. ! 4. Способ по п.1, в котором реальный номер счета является номером счета кредитной карты польз�

Claims (28)

1. Способ, содержащий этапы, на которых:
принимают сообщение с запросом авторизации, где сообщение с запросом авторизации включает в себя защищенный номер счета, причем сообщение с запросом авторизации инициировано беспроводным взаимодействием между портативным потребительским устройством бесконтактного действия, включающим в себя реальный номер счета, модуль беспроводной передачи и запоминающее устройство с предварительно загруженным защищенным номером счета, и устройством бесконтактного считывания, содержащим второй модуль беспроводной связи, при этом защищенный номер счета связан с реальным номером счета, и при этом защищенный номер счета передается беспроводным образом с первого модуля беспроводной передачи портативного потребительского устройства бесконтактного действия на второй модуль беспроводной передачи устройства бесконтактного считывания; и
определяют реальный номер счета с использованием защищенного номера счета после приема сообщения с запросом авторизации, включающего в себя защищенный номер счета.
2. Способ по п.1, в котором защищенный номер счета передается исключительно беспроводным образом на устройство бесконтактного считывания в случае присутствия беспроводной финансовой транзакции, причем реальный номер счета используется для финансовых транзакций, отличных от беспроводных.
3. Способ по п.1, дополнительно включающий в себя этап, на котором посылают ответное сообщение авторизации после определения реального номера счета посредством использования защищенного номера счета.
4. Способ по п.1, в котором реальный номер счета является номером счета кредитной карты пользователя, номером банковского счета или номером счета дебетовой карты.
5. Способ по п.1, в котором сообщение с запросом авторизации включает в себя идентификатор типа беспроводной транзакции.
6. Способ по п.1, в котором сообщение с запросом авторизации предварительно шифруют.
7. Способ по п.1, в котором портативное потребительское устройство бесконтактного действия имеет форму карты, а также карта включает в себя магнитную полосу, содержащую реальный номер счета.
8. Машиночитаемая среда, включающая в себя код для выполнения способа по п.1.
9. Сервер, выполненный с возможностью выполнения способа по п.1.
10. Способ по п.1, дополнительно включающий в себя этапы, на которых предварительно загружают защищенный номер счета в запоминающее устройство и предварительно загружают реальный номер счета на магнитный носитель данных портативного потребительского устройства бесконтактного действия.
11. Портативное потребительское устройство бесконтактного действия для выполнения бесконтактных транзакций, содержащее:
модуль беспроводной передачи;
первое запоминающее устройство, содержащее защищенный номер счета, соединенное с первым модулем беспроводной передачи; и
второе запоминающее устройство, причем второе запоминающее устройство содержит реальный номер счета, а реальный номер счета связан с защищенным номером счета.
12. Портативное потребительское устройство бесконтактного действия по п.11, в котором первое и второе запоминающие устройства используют различные технологии хранения данных.
13. Портативное потребительское устройство бесконтактного действия по п.11, в котором первое запоминающее устройство включает в себя микросхему памяти, а второе запоминающее устройство включает в себя магнитную полосу, и причем портативное потребительское устройство бесконтактного действия имеет форму карты.
14. Портативное потребительское устройство бесконтактного действия по п.11, в котором портативное потребительское устройство бесконтактного действия является картой финансовой транзакции.
15. Портативное потребительское устройство бесконтактного действия по п.11, в котором бесконтактная транзакция включает в себя бесконтактную финансовую транзакцию.
16. Система для выполнения платежных транзакций, содержащая:
систему обработки платежей, выполненную с возможностью преобразования защищенного номера счета в реальный номер счета пользователя, причем в ответ на прием системой обработки платежей запроса авторизации транзакции, содержащего защищенный номер счета, система обработки платежей определяет реальный номер счета пользователя, связанный с защищенным номером счета, а также проверяет, что запрос авторизации транзакции связан с бесконтактным типом беспроводной транзакции.
17. Система по п.16, в которой беспроводная транзакция содержит бесконтактный тип финансовой транзакции.
18. Система по п.16, в которой беспроводная транзакция принимается беспроводным образом от портативного потребительского устройства бесконтактного действия, содержащего защищенный номер счета и реальный номер счета пользователя.
19. Система по п.16, в которой система обработки платежей содержит код для преобразования защищенного номера счета в реальный номер счета пользователя.
20. Система по п.16, в которой запрос авторизации транзакции содержит индикатор транзакции, указывающий на то, был ли запрос авторизации транзакции принят через бесконтактный тип беспроводной транзакции.
21. Система по п.16, в которой система обработки платежей содержит код для выдачи предупреждения в случае, если защищенный номер счета не был принят через бесконтактный тип беспроводной транзакции с портативным потребительским устройством бесконтактного действия, содержащим защищенный номер счета.
22. Способ проведения беспроводных финансовых транзакций, включающий в себя этапы, на которых:
принимают сообщение с запросом авторизации, которое включает в себя защищенный номер счета и идентификатор транзакции, причем сообщение с запросом авторизации исходит из портативного потребительского устройства, содержащего защищенный номер счета и реальный номер счета; и
определяют реальный номер счета посредством использования защищенного номера счета, когда идентификатор транзакции указывает на то, что защищенный номер счета исходил в результате беспроводной транзакции с портативным потребительским устройством.
23. Способ по п.22, в котором реальный номер счета пригоден для использования в финансовых транзакциях, отличных от беспроводных.
24. Способ по п.22, дополнительно включающий в себя этап, на котором формируют предупреждение в случае, если идентификатор транзакции указывает на то, что защищенный номер счета исходил в результате транзакции, отличной от беспроводной.
25. Способ по п.22, дополнительно включающий в себя этапы, на которых:
формируют алфавитно-цифровую выходную информацию, которая включает в себя предварительно определенную последовательность алфавитно-цифровых символов, назначенных в качестве общих как для защищенного номера счета, так и реального номера счета пользователя; и
маскируют или удаляют другие алфавитно-цифровые символы алфавитно-цифровой выходной информации, не свойственные предварительно определенной последовательности.
26. Способ по п.22, в котором этап, на котором принимают сообщение с запросом авторизации включает в себя этапы, на которых:
передают сообщение с запросом авторизации покупателю;
передают сообщение с запросом авторизации от покупателя системе обработки платежей;
проверяют с помощью системы обработки платежей, что защищенный номер счета связан с беспроводной транзакцией;
после удостоверения, что защищенный номер счета связан с беспроводной транзакцией, посылают сообщение с запросом авторизации наряду с реальным номером счета эмитенту для авторизации; и
после авторизации финансовой транзакции, передают авторизационное сообщение от эмитента системе обработки платежей, покупателю и продавцу.
27. Способ по п.22, в котором этап, на котором определяют реальный номер счета содержит этап, на котором запрашивают базу данных защищенных номеров счета, где каждый из защищенных номеров счета связан с соответствующим реальным номером счета.
28. Способ по п.22, в котором этап, на котором определяют реальный номер счета содержит этап, на котором обрабатывают защищенный номер счета посредством алгоритма, выполненного с возможностью преобразования защищенного номера счета в реальный номер счета.
RU2008113214/08A 2005-09-06 2006-09-05 Система и способ использования защищенных номеров счетов в устройствах бесконтактного действия RU2419872C2 (ru)

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
US71463505P 2005-09-06 2005-09-06
US60/714,635 2005-09-06
US11/398,887 2006-04-05
US11/398,887 US8762263B2 (en) 2005-09-06 2006-04-05 System and method for secured account numbers in proximity devices

Publications (2)

Publication Number Publication Date
RU2008113214A true RU2008113214A (ru) 2009-10-20
RU2419872C2 RU2419872C2 (ru) 2011-05-27

Family

ID=37831139

Family Applications (1)

Application Number Title Priority Date Filing Date
RU2008113214/08A RU2419872C2 (ru) 2005-09-06 2006-09-05 Система и способ использования защищенных номеров счетов в устройствах бесконтактного действия

Country Status (8)

Country Link
US (6) US8762263B2 (ru)
JP (2) JP5199095B2 (ru)
KR (1) KR101379710B1 (ru)
AU (1) AU2006287606B2 (ru)
BR (1) BRPI0615665B1 (ru)
CA (1) CA2621358C (ru)
RU (1) RU2419872C2 (ru)
WO (1) WO2007030480A2 (ru)

Families Citing this family (347)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7702916B2 (en) * 2003-03-31 2010-04-20 Visa U.S.A. Inc. Method and system for secure authentication
US7761374B2 (en) 2003-08-18 2010-07-20 Visa International Service Association Method and system for generating a dynamic verification value
US7740168B2 (en) 2003-08-18 2010-06-22 Visa U.S.A. Inc. Method and system for generating a dynamic verification value
WO2005086802A2 (en) 2004-03-08 2005-09-22 Proxense, Llc Linked account system using personal digital key (pdk-las)
US20140019352A1 (en) 2011-02-22 2014-01-16 Visa International Service Association Multi-purpose virtual card transaction apparatuses, methods and systems
US8010082B2 (en) * 2004-10-20 2011-08-30 Seven Networks, Inc. Flexible billing architecture
US20070288313A1 (en) * 2006-06-09 2007-12-13 Mark Brodson E-Coupon System and Method
US10248951B2 (en) * 2004-12-01 2019-04-02 Metavante Corporation E-coupon settlement and clearing process
ATE398809T1 (de) * 2005-01-27 2008-07-15 Sequoia Smart Solutions Pty Lt Schnittstellensystem für chipkarten
US7721969B2 (en) 2005-04-21 2010-05-25 Securedpay Solutions, Inc. Portable handheld device for wireless order entry and real time payment authorization and related methods
US7482925B2 (en) * 2005-06-24 2009-01-27 Visa U.S.A. Apparatus and method to electromagnetically shield portable consumer devices
US8762263B2 (en) 2005-09-06 2014-06-24 Visa U.S.A. Inc. System and method for secured account numbers in proximity devices
US8352376B2 (en) 2005-10-11 2013-01-08 Amazon Technologies, Inc. System and method for authorization of transactions
US8447700B2 (en) 2005-10-11 2013-05-21 Amazon Technologies, Inc. Transaction authorization service
US20070136193A1 (en) * 2005-12-13 2007-06-14 Bellsouth Intellectual Property Corporation Methods, transactional cards, and systems using account identifers customized by the account holder
US8352323B2 (en) * 2007-11-30 2013-01-08 Blaze Mobile, Inc. Conducting an online payment transaction using an NFC enabled mobile communication device
US11206664B2 (en) 2006-01-06 2021-12-21 Proxense, Llc Wireless network synchronization of cells and client devices on a network
US8036152B2 (en) 2006-01-06 2011-10-11 Proxense, Llc Integrated power management of a client device via system time slot assignment
US9065643B2 (en) 2006-04-05 2015-06-23 Visa U.S.A. Inc. System and method for account identifier obfuscation
US7818264B2 (en) * 2006-06-19 2010-10-19 Visa U.S.A. Inc. Track data encryption
US7904718B2 (en) 2006-05-05 2011-03-08 Proxense, Llc Personal digital key differentiation for secure transactions
US8640247B2 (en) * 2006-05-31 2014-01-28 The Invention Science Fund I, Llc Receiving an indication of a security breach of a protected set of files
US20080017720A1 (en) * 2006-07-06 2008-01-24 Kranzley Arthur D Multi-use payment card and methods of using same
US9269221B2 (en) 2006-11-13 2016-02-23 John J. Gobbi Configuration of interfaces for a location detection system and application
US10346837B2 (en) * 2006-11-16 2019-07-09 Visa U.S.A. Inc. Adaptive authentication options
US8504451B2 (en) 2006-11-16 2013-08-06 Visa U.S.A. Inc. Method and system using candidate dynamic data elements
US9940627B2 (en) * 2006-12-26 2018-04-10 Visa U.S.A. Inc. Mobile coupon method and system
CN101595491A (zh) * 2006-12-26 2009-12-02 维萨美国股份有限公司 移动自动售货机购买
US20080154735A1 (en) * 2006-12-26 2008-06-26 Mark Carlson Mobile vending purchasing
US8615426B2 (en) 2006-12-26 2013-12-24 Visa U.S.A. Inc. Coupon offers from multiple entities
US7848980B2 (en) * 2006-12-26 2010-12-07 Visa U.S.A. Inc. Mobile payment system and method using alias
US8700457B2 (en) * 2007-01-03 2014-04-15 William H. Bollman Mobile phone based rebate device for redemption at a point of sale terminal
JP5301463B2 (ja) 2007-01-09 2013-09-25 ビザ ユー．エス．エー．インコーポレイテッド 閾値インジケータを含む携帯電話の支払プロセス
US7866551B2 (en) * 2007-02-15 2011-01-11 Visa U.S.A. Inc. Dynamic payment device characteristics
US9846866B2 (en) * 2007-02-22 2017-12-19 First Data Corporation Processing of financial transactions using debit networks
US8205793B2 (en) * 2007-03-31 2012-06-26 Dror Oved Banking transaction processing system
US8725638B2 (en) 2007-05-18 2014-05-13 Visa U.S.A. Inc. Method and system for payment authorization and card presentation using pre-issued identities
US8165938B2 (en) * 2007-06-04 2012-04-24 Visa U.S.A. Inc. Prepaid card fraud and risk management
US7860790B2 (en) * 2007-06-04 2010-12-28 Visa U.S.A. Inc. Systems and methods for automatic migration of a consumer between financial accounts
US7809637B2 (en) * 2007-06-04 2010-10-05 Visa U.S.A. Inc. Portability of financial tokens
US7627522B2 (en) * 2007-06-04 2009-12-01 Visa U.S.A. Inc. System, apparatus and methods for comparing fraud parameters for application during prepaid card enrollment and transactions
US8146806B2 (en) * 2007-06-04 2012-04-03 Visa U.S.A. Inc. Prepaid negative balance fee processing and fee diversion
US8290832B2 (en) * 2007-06-04 2012-10-16 Visa U.S.A. Inc. Method and system for handling returned prepaid payment cards
US20080306876A1 (en) * 2007-06-05 2008-12-11 Horvath Kris M Verifying dynamic transaction security code in payment card system
US7835988B2 (en) 2007-06-05 2010-11-16 Mastercard International, Inc. Methods and apparatus for preventing fraud in payment processing transactions
US8604995B2 (en) * 2007-06-11 2013-12-10 Visa U.S.A. Inc. Shielding of portable consumer device
US9342823B2 (en) * 2007-06-18 2016-05-17 Lemon, Inc. Payment clearing network for electronic financial transactions and related personal financial transaction device
US7739169B2 (en) 2007-06-25 2010-06-15 Visa U.S.A. Inc. Restricting access to compromised account information
US8820638B1 (en) * 2007-07-27 2014-09-02 United Services Automobile Association (Usaa) System and methods related to an available balance debit/credit card
US8538819B2 (en) * 2007-07-30 2013-09-17 Ebay Inc. Method and system for dynamic funding
US20090045257A1 (en) * 2007-08-17 2009-02-19 Maus Christopher T Federated ID Secure Virtual Terminal Emulation Smartcard
US9070129B2 (en) * 2007-09-04 2015-06-30 Visa U.S.A. Inc. Method and system for securing data fields
US9292850B2 (en) * 2007-09-10 2016-03-22 Visa U.S.A. Inc. Host capture
US7937324B2 (en) 2007-09-13 2011-05-03 Visa U.S.A. Inc. Account permanence
US8239326B1 (en) 2007-09-19 2012-08-07 Amazon Technologies, Inc. Method and apparatus for authorizing transactions using transaction phrases in a transaction authorization service
US7729989B1 (en) 2007-09-19 2010-06-01 Amazon Technologies, Inc. Method and apparatus for message correction in a transaction authorization service
US8170527B2 (en) 2007-09-26 2012-05-01 Visa U.S.A. Inc. Real-time balance on a mobile phone
US8010428B2 (en) 2007-09-26 2011-08-30 Visa Usa Inc. Form factor identification
US20090090770A1 (en) * 2007-10-08 2009-04-09 Sudipta Chakrabarti Combine identity token
US10783514B2 (en) * 2007-10-10 2020-09-22 Mastercard International Incorporated Method and apparatus for use in personalizing identification token
US20090112766A1 (en) * 2007-10-25 2009-04-30 Ayman Hammad Device including multiple payment applications
US8659427B2 (en) 2007-11-09 2014-02-25 Proxense, Llc Proximity-sensor supporting multiple application services
US8038068B2 (en) * 2007-11-28 2011-10-18 Visa U.S.A. Inc. Multifunction removable cover for portable payment device
US8171528B1 (en) 2007-12-06 2012-05-01 Proxense, Llc Hybrid device having a personal digital key and receiver-decoder circuit and methods of use
US8793305B2 (en) * 2007-12-13 2014-07-29 Seven Networks, Inc. Content delivery to a mobile device from a content service
US10296874B1 (en) 2007-12-17 2019-05-21 American Express Travel Related Services Company, Inc. System and method for preventing unauthorized access to financial accounts
WO2009079666A1 (en) 2007-12-19 2009-06-25 Proxense, Llc Security system and method for controlling access to computing resources
US20090204525A1 (en) * 2008-02-13 2009-08-13 Simon Phillips Payment device to issuer communication via authorization request
US8508336B2 (en) 2008-02-14 2013-08-13 Proxense, Llc Proximity-based healthcare management system with automatic access to private information
US20090240627A1 (en) * 2008-03-21 2009-09-24 Hector Javier Rodriguez Payment processing system trusted agent identification
WO2009126732A2 (en) 2008-04-08 2009-10-15 Proxense, Llc Automated service-based order processing
AU2009243168A1 (en) * 2008-04-29 2009-11-05 Visa U.S.A. Inc. Device including user exclusive data tag
US9715709B2 (en) * 2008-05-09 2017-07-25 Visa International Services Association Communication device including multi-part alias identifier
US7962390B2 (en) * 2008-06-05 2011-06-14 Visa Usa Inc. Field 55 data relationships
US10008067B2 (en) 2008-06-16 2018-06-26 Visa U.S.A. Inc. System and method for authorizing financial transactions with online merchants
US9542687B2 (en) 2008-06-26 2017-01-10 Visa International Service Association Systems and methods for visual representation of offers
US8219489B2 (en) 2008-07-29 2012-07-10 Visa U.S.A. Inc. Transaction processing using a global unique identifier
US8127999B2 (en) 2008-08-14 2012-03-06 Visa U.S.A. Inc. Wireless mobile communicator for contactless payment on account read from removable card
US8977567B2 (en) 2008-09-22 2015-03-10 Visa International Service Association Recordation of electronic payment transaction information
US10706402B2 (en) * 2008-09-22 2020-07-07 Visa International Service Association Over the air update of payment transaction data stored in secure memory
US9824355B2 (en) 2008-09-22 2017-11-21 Visa International Service Association Method of performing transactions with contactless payment devices using pre-tap and two-tap operations
US8832182B2 (en) 2008-10-03 2014-09-09 Omnego Inc. System and method for providing a universal electronic wallet
US8181861B2 (en) 2008-10-13 2012-05-22 Miri Systems, Llc Electronic transaction security system and method
US10382910B2 (en) 2009-02-16 2019-08-13 Accenture Global Services Limited Wireless transfer protocol for electronic certificates
CA2753576A1 (en) 2009-02-25 2010-09-02 Miri Systems, Llc Payment system and method
US10972880B2 (en) 2009-04-13 2021-04-06 Accenture Global Services Limited Digital voucher processing system
US9715681B2 (en) 2009-04-28 2017-07-25 Visa International Service Association Verification of portable consumer devices
WO2010127012A1 (en) 2009-04-28 2010-11-04 Mastercard International Incorporated Apparatus, method, and computer program product for providing a quality control mechanism for the contactless interface of a dual-interface card
US8534564B2 (en) 2009-05-15 2013-09-17 Ayman Hammad 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
US10846683B2 (en) 2009-05-15 2020-11-24 Visa International Service Association Integration of verification tokens with mobile communication 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
US10140598B2 (en) * 2009-05-20 2018-11-27 Visa International Service Association Device including encrypted data for expiration date and verification value creation
US20110145082A1 (en) 2009-12-16 2011-06-16 Ayman Hammad Merchant alerts incorporating receipt data
US10255591B2 (en) 2009-12-18 2019-04-09 Visa International Service Association Payment channel returning limited use proxy dynamic value
US9324066B2 (en) * 2009-12-21 2016-04-26 Verizon Patent And Licensing Inc. Method and system for providing virtual credit card services
US8429048B2 (en) 2009-12-28 2013-04-23 Visa International Service Association System and method for processing payment transaction receipts
AU2011205391B2 (en) 2010-01-12 2014-11-20 Visa International Service Association Anytime validation for verification tokens
US9245267B2 (en) 2010-03-03 2016-01-26 Visa International Service Association Portable account number for consumer payment account
US9418205B2 (en) 2010-03-15 2016-08-16 Proxense, Llc Proximity-based system for automatic application or data access and item tracking
WO2011156884A1 (en) * 2010-06-17 2011-12-22 Consumer Mt Inc. Electronic payment system and method
US9322974B1 (en) 2010-07-15 2016-04-26 Proxense, Llc. Proximity-based system for object tracking
US10552809B2 (en) * 2010-07-26 2020-02-04 Visa International Service Association Programmable card
US9342832B2 (en) 2010-08-12 2016-05-17 Visa International Service Association Securing external systems with account token substitution
US20120072346A1 (en) * 2010-09-16 2012-03-22 Yomir Sp System and method for securing and authenticating purchase transactions
US20120173431A1 (en) * 2010-12-30 2012-07-05 First Data Corporation Systems and methods for using a token as a payment in a transaction
CN109118199A (zh) 2011-02-16 2019-01-01 维萨国际服务协会 快拍移动支付装置，方法和***
US10586227B2 (en) 2011-02-16 2020-03-10 Visa International Service Association Snap mobile payment apparatuses, methods and systems
US9265450B1 (en) 2011-02-21 2016-02-23 Proxense, Llc Proximity-based system for object tracking and automatic application initialization
EP2678812A4 (en) 2011-02-22 2015-05-20 Visa Int Service Ass APPARATUSES, METHODS AND SYSTEMS FOR UNIVERSAL ELECTRONIC PAYMENT
US20120221466A1 (en) * 2011-02-28 2012-08-30 Thomas Finley Look Method for improved financial transactions
WO2012122049A2 (en) 2011-03-04 2012-09-13 Visa International Service Association Integration of payment capability into secure elements of computers
US8392259B2 (en) 2011-03-17 2013-03-05 Research In Motion Limited Methods and apparatus to obtain transaction confirmation
WO2012142045A2 (en) 2011-04-11 2012-10-18 Visa International Service Association Multiple tokenization for authentication
US8789146B2 (en) * 2011-04-14 2014-07-22 Yubico Inc. Dual interface device for access control and a method therefor
US8245919B1 (en) 2011-06-24 2012-08-21 American Express Travel Related Services Company, Inc. Systems and methods for gesture-based interaction with computer systems
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
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
US10242358B2 (en) 2011-08-18 2019-03-26 Visa International Service Association Remote decoupled application persistent state 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
US8714439B2 (en) 2011-08-22 2014-05-06 American Express Travel Related Services Company, Inc. Methods and systems for contactless payments at a merchant
US20130054337A1 (en) * 2011-08-22 2013-02-28 American Express Travel Related Services Company, Inc. Methods and systems for contactless payments for online ecommerce checkout
US10223730B2 (en) 2011-09-23 2019-03-05 Visa International Service Association E-wallet store injection search apparatuses, methods and systems
US10223710B2 (en) 2013-01-04 2019-03-05 Visa International Service Association Wearable intelligent vision device apparatuses, methods and systems
WO2013103991A1 (en) 2012-01-05 2013-07-11 Visa International Service Association Data protection with translation
WO2013113004A1 (en) 2012-01-26 2013-08-01 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
US9544075B2 (en) 2012-02-22 2017-01-10 Qualcomm Incorporated Platform for wireless identity transmitter and system using short range wireless broadcast
US10419907B2 (en) * 2012-02-22 2019-09-17 Qualcomm Incorporated Proximity application discovery and provisioning
SG11201405369RA (en) * 2012-03-01 2014-11-27 Mastercard Internat Inc Dba Mastercard Worldwide Systems and methods for mapping a mobile cloud account to a payment account
US10282724B2 (en) 2012-03-06 2019-05-07 Visa International Service Association Security system incorporating mobile device
WO2013134790A2 (en) * 2012-03-09 2013-09-12 E2Interactive, Inc. D/B/A/ E2Interactive, Inc. Transferable indicia and display
US20130268379A1 (en) * 2012-04-09 2013-10-10 Balance Innovations, Llc Method and apparatus for fraud and reconciliation control at point of sale
US10360593B2 (en) 2012-04-24 2019-07-23 Qualcomm Incorporated Retail proximity marketing
WO2013166501A1 (en) 2012-05-04 2013-11-07 Visa International Service Association System and method for local data conversion
US9524501B2 (en) 2012-06-06 2016-12-20 Visa International Service Association Method and system for correlating diverse transaction data
US9547769B2 (en) 2012-07-03 2017-01-17 Visa International Service Association Data protection hub
US9256871B2 (en) 2012-07-26 2016-02-09 Visa U.S.A. Inc. Configurable payment tokens
US9665722B2 (en) 2012-08-10 2017-05-30 Visa International Service Association Privacy firewall
US10192216B2 (en) 2012-09-11 2019-01-29 Visa International Service Association Cloud-based virtual wallet NFC apparatuses, methods and systems
US10176478B2 (en) 2012-10-23 2019-01-08 Visa International Service Association Transaction initiation determination system utilizing transaction data elements
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
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
GB201304764D0 (en) * 2013-03-15 2013-05-01 Mastercard International Inc Method and apparatus for payment transactions
US11055710B2 (en) 2013-05-02 2021-07-06 Visa International Service Association Systems and methods for verifying and processing transactions using virtual currency
WO2014183106A2 (en) 2013-05-10 2014-11-13 Proxense, Llc Secure element as a digital pocket
US9978062B2 (en) 2013-05-15 2018-05-22 Visa International Service Association Mobile tokenization hub
US10878422B2 (en) 2013-06-17 2020-12-29 Visa International Service Association System and method using merchant token
SG11201600427RA (en) 2013-07-24 2016-02-26 Visa Int Service Ass Systems and methods for interoperable network token processing
EP3025291A1 (en) 2013-07-26 2016-06-01 Visa International Service Association Provisioning payment credentials to a consumer
US10496986B2 (en) 2013-08-08 2019-12-03 Visa International Service Association Multi-network tokenization processing
WO2015021420A1 (en) 2013-08-08 2015-02-12 Visa International Service Association Methods and systems for provisioning mobile devices with payment credentials
EP3078156A4 (en) 2013-10-11 2017-07-12 Visa International Service Association Network token system
US9978094B2 (en) 2013-10-11 2018-05-22 Visa International Service Association Tokenization revocation list
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
US10366387B2 (en) 2013-10-29 2019-07-30 Visa International Service Association Digital wallet system and method
CN105830107A (zh) 2013-12-19 2016-08-03 维萨国际服务协会 基于云的交易方法和***
US9922322B2 (en) 2013-12-19 2018-03-20 Visa International Service Association Cloud-based transactions with magnetic secure transmission
US10433128B2 (en) 2014-01-07 2019-10-01 Visa International Service Association Methods and systems for provisioning multiple devices
US9846878B2 (en) 2014-01-14 2017-12-19 Visa International Service Association Payment account identifier system
US10026087B2 (en) 2014-04-08 2018-07-17 Visa International Service Association Data passed in an interaction
US9995824B2 (en) * 2014-04-09 2018-06-12 Thomas Danaher Harvey Methods and system to assist search for lost and submerged objects
US10871566B2 (en) * 2014-04-09 2020-12-22 Thomas Danaher Harvey Methods and system to assist search and interception of lost objects
FR3020167B1 (fr) * 2014-04-18 2020-11-20 Compagnie Ind Et Financiere Dingenierie Ingenico Dispositif de traitement de donnees en provenance de carte a memoire sans contact, methode et programme d'ordinateur correspondant
US9942043B2 (en) 2014-04-23 2018-04-10 Visa International Service Association Token security on a communication device
AU2015253182B2 (en) 2014-05-01 2019-02-14 Visa International Service Association Data verification using access device
WO2015171625A1 (en) 2014-05-05 2015-11-12 Visa International Service Association System and method for token domain control
US10846694B2 (en) 2014-05-21 2020-11-24 Visa International Service Association Offline authentication
US11023890B2 (en) 2014-06-05 2021-06-01 Visa International Service Association Identification and verification for provisioning mobile application
US9780953B2 (en) 2014-07-23 2017-10-03 Visa International Service Association Systems and methods for secure detokenization
US10484345B2 (en) 2014-07-31 2019-11-19 Visa International Service Association System and method for identity verification across mobile applications
US9775029B2 (en) 2014-08-22 2017-09-26 Visa International Service Association Embedding cloud-based functionalities in a communication device
US10963875B2 (en) * 2014-09-08 2021-03-30 Vyze, Inc. Processing financial products
US10140615B2 (en) 2014-09-22 2018-11-27 Visa International Service Association Secure mobile device credential provisioning using risk decision non-overrides
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
US10015147B2 (en) 2014-10-22 2018-07-03 Visa International Service Association Token enrollment system and method
GB201419016D0 (en) * 2014-10-24 2014-12-10 Visa Europe Ltd Transaction Messaging
CA2964791A1 (en) 2014-11-26 2016-06-02 Visa International Service Association Tokenization request via access device
US10257185B2 (en) 2014-12-12 2019-04-09 Visa International Service Association Automated access data provisioning
SG11201703526VA (en) 2014-12-12 2017-05-30 Visa Int Service Ass Provisioning platform for machine-to-machine devices
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
US20160232607A1 (en) * 2015-02-06 2016-08-11 NewComLink, Inc. Tokenized Authorization
US20160239837A1 (en) * 2015-02-18 2016-08-18 Apriva, Llc Method and system for facilitating a payment transaction with a mobile payment server
US10049352B2 (en) * 2015-02-18 2018-08-14 Apriva, Llc Method and system for processing a mobile payment transaction
US10579983B2 (en) 2015-03-11 2020-03-03 Paypal, Inc. NFC rendezvous protocol for enhanced mobile transactions and payments
US10164996B2 (en) 2015-03-12 2018-12-25 Visa International Service Association Methods and systems for providing a low value token buffer
WO2016149142A1 (en) * 2015-03-13 2016-09-22 Visa International Service Association Device with multiple identifiers
WO2016164778A1 (en) 2015-04-10 2016-10-13 Visa International Service Association 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
US10430782B2 (en) * 2015-07-17 2019-10-01 Google Llc Merchant-specific functionality services
US20170053269A1 (en) * 2015-08-17 2017-02-23 Albert Roy Bingham, III Input number
US9935961B2 (en) * 2015-09-11 2018-04-03 Bank Of America Corporation Controlling access to data
US9330383B1 (en) * 2015-09-23 2016-05-03 Square, Inc. Message dispatcher for payment system
SG10202007121XA (en) 2015-10-15 2020-09-29 Visa Int Service Ass Instant token issuance system
CA3003917A1 (en) 2015-12-04 2017-06-08 Visa International Service Association Unique code for token verification
CN108476227B (zh) 2016-01-07 2021-04-20 维萨国际服务协会 用于设备推送供应的***和方法
CA3008688A1 (en) 2016-02-01 2017-08-10 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
US10108412B2 (en) 2016-03-30 2018-10-23 Square, Inc. Blocking and non-blocking firmware update
US10313321B2 (en) 2016-04-07 2019-06-04 Visa International Service Association Tokenization of co-network accounts
CN109074578A (zh) 2016-04-19 2018-12-21 维萨国际服务协会 用于执行推送交易的***和方法
US11250424B2 (en) 2016-05-19 2022-02-15 Visa International Service Association Systems and methods for creating subtokens using primary tokens
EP3466017B1 (en) 2016-06-03 2021-05-19 Visa International Service Association Subtoken management system for connected devices
US11068899B2 (en) 2016-06-17 2021-07-20 Visa International Service Association Token aggregation for multi-party transactions
CN115187242A (zh) 2016-06-24 2022-10-14 维萨国际服务协会 唯一令牌认证验证值
US10817869B2 (en) 2016-06-29 2020-10-27 Square, Inc. Preliminary enablement of transaction processing circuitry
US11010765B2 (en) 2016-06-29 2021-05-18 Square, Inc. Preliminary acquisition of payment information
US11587063B1 (en) * 2016-07-06 2023-02-21 United Services Automobile Association (Usaa) Automated proximity fraud account lock systems and methods
SG10202110839VA (en) 2016-07-11 2021-11-29 Visa Int Service Ass Encryption key exchange process using access device
EP3488406A4 (en) 2016-07-19 2019-08-07 Visa International Service Association METHOD OF DISTRIBUTING TOKENS AND MANAGING TOKEN RELATIONS
US10509779B2 (en) 2016-09-14 2019-12-17 Visa International Service Association Self-cleaning token vault
US10671998B2 (en) * 2016-09-27 2020-06-02 Paypal, Inc. Managing fraudulent logins at payment systems
US10672004B2 (en) * 2016-09-28 2020-06-02 Paypal, Inc. Managing fraudulent sign-ups at payment systems
CN110036386B (zh) 2016-11-28 2023-08-22 维萨国际服务协会 供应到应用程序的访问标识符
JP6822851B2 (ja) * 2017-01-06 2021-01-27 東芝テック株式会社 記録装置及びそのプログラム
US10915899B2 (en) 2017-03-17 2021-02-09 Visa International Service Association Replacing token on a multi-token user device
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
SG10201705221TA (en) 2017-06-23 2019-01-30 Mastercard International Inc Adaptive payment card system and process
CN110869960A (zh) 2017-07-03 2020-03-06 Gp网络亚洲私人有限公司 处理支付
US10491389B2 (en) 2017-07-14 2019-11-26 Visa International Service Association Token provisioning utilizing a secure authentication system
WO2019031717A1 (ko) 2017-08-09 2019-02-14 주식회사 센스톤 매장 내부통신망 기반의 결제시스템, 매장 내부통신망 기반의 결제기능을 포함하는 이동단말기, 매장 내부통신망 기반의 결제서비스 제공방법, 및 이를 수행하는 프로그램
WO2019031627A1 (ko) * 2017-08-09 2019-02-14 주식회사 센스톤 가상코드제공시스템, 가상코드생성장치, 가상코드검증장치, 가상코드제공방법 및 가상코드제공프로그램
WO2019121043A1 (en) * 2017-12-22 2019-06-27 British Telecommunications Public Limited Company Device authentication
US11100492B2 (en) * 2018-02-19 2021-08-24 Peter Garrett General purpose re-loadable card aggregation implementation
US11356257B2 (en) 2018-03-07 2022-06-07 Visa International Service Association Secure remote token release with online authentication
RU2703953C1 (ru) * 2018-06-14 2019-10-22 Мастеркард Интернэшнл Инкорпорейтед Система и компьютерно-реализуемый способ для обезличивания данных при коммутации между юрисдикциями в системах платежей
US11256789B2 (en) 2018-06-18 2022-02-22 Visa International Service Association Recurring token transactions
US10546444B2 (en) 2018-06-21 2020-01-28 Capital One Services, Llc Systems and methods for secure read-only authentication
EP3841498B1 (en) 2018-08-22 2024-05-01 Visa International Service Association Method and system for token provisioning and processing
US10582386B1 (en) 2018-10-02 2020-03-03 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards
JP2022502891A (ja) 2018-10-02 2022-01-11 キャピタル・ワン・サービシーズ・リミテッド・ライアビリティ・カンパニーCapital One Services, LLC 非接触カードの暗号化認証のためのシステムおよび方法
US10771254B2 (en) 2018-10-02 2020-09-08 Capital One Services, Llc Systems and methods for email-based card activation
WO2020072575A1 (en) 2018-10-02 2020-04-09 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards
US10505738B1 (en) 2018-10-02 2019-12-10 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards
US11210664B2 (en) 2018-10-02 2021-12-28 Capital One Services, Llc Systems and methods for amplifying the strength of cryptographic algorithms
US10489781B1 (en) 2018-10-02 2019-11-26 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards
BR112021005150A2 (pt) 2018-10-02 2021-06-15 Capital One Services, Llc sistema de transmissão de dados, método para guiar um dispositivo de transmissão, e, aplicação de recepção
AU2019351825A1 (en) 2018-10-02 2021-04-15 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards
US10607214B1 (en) 2018-10-02 2020-03-31 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards
US10581611B1 (en) 2018-10-02 2020-03-03 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards
AU2019355878A1 (en) 2018-10-02 2021-02-25 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards
US10511443B1 (en) 2018-10-02 2019-12-17 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards
US10841091B2 (en) 2018-10-02 2020-11-17 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards
JP2022511281A (ja) 2018-10-02 2022-01-31 キャピタル・ワン・サービシーズ・リミテッド・ライアビリティ・カンパニー 非接触カードの暗号化認証のためのシステムおよび方法
US10554411B1 (en) 2018-10-02 2020-02-04 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards
US10680824B2 (en) 2018-10-02 2020-06-09 Capital One Services, Llc Systems and methods for inventory management using cryptographic authentication of contactless cards
US10630653B1 (en) 2018-10-02 2020-04-21 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards
WO2020072694A1 (en) 2018-10-02 2020-04-09 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards
US10949520B2 (en) 2018-10-02 2021-03-16 Capital One Services, Llc Systems and methods for cross coupling risk analytics and one-time-passcodes
US10592710B1 (en) 2018-10-02 2020-03-17 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards
WO2020072626A1 (en) 2018-10-02 2020-04-09 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards
US10783519B2 (en) 2018-10-02 2020-09-22 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards
US10733645B2 (en) 2018-10-02 2020-08-04 Capital One Services, Llc Systems and methods for establishing identity for order pick up
US10909527B2 (en) 2018-10-02 2021-02-02 Capital One Services, Llc Systems and methods for performing a reissue of a contactless card
US10542036B1 (en) 2018-10-02 2020-01-21 Capital One Services, Llc Systems and methods for signaling an attack on contactless cards
US10579998B1 (en) 2018-10-02 2020-03-03 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards
US10771253B2 (en) 2018-10-02 2020-09-08 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards
WO2020072440A1 (en) 2018-10-02 2020-04-09 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards
US10565587B1 (en) 2018-10-02 2020-02-18 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards
WO2020102484A1 (en) 2018-11-14 2020-05-22 Visa International Service Association Cloud token provisioning of multiple tokens
US11049095B2 (en) 2018-12-21 2021-06-29 Square, Inc. Point of sale (POS) systems and methods with dynamic kernel selection
US10990969B2 (en) 2018-12-21 2021-04-27 Square, Inc. Point of sale (POS) systems and methods for dynamically processing payment data based on payment reader capability
US10762196B2 (en) 2018-12-21 2020-09-01 Square, Inc. Point of sale (POS) systems and methods with dynamic kernel selection
US11361302B2 (en) 2019-01-11 2022-06-14 Capital One Services, Llc Systems and methods for touch screen interface interaction using a card overlay
US11037136B2 (en) 2019-01-24 2021-06-15 Capital One Services, Llc Tap to autofill card data
US10510074B1 (en) 2019-02-01 2019-12-17 Capital One Services, Llc One-tap payment using a contactless card
US10467622B1 (en) 2019-02-01 2019-11-05 Capital One Services, Llc Using on-demand applications to generate virtual numbers for a contactless card to securely autofill forms
US11120453B2 (en) 2019-02-01 2021-09-14 Capital One Services, Llc Tap card to securely generate card data to copy to clipboard
US10425129B1 (en) 2019-02-27 2019-09-24 Capital One Services, Llc Techniques to reduce power consumption in near field communication systems
US10523708B1 (en) 2019-03-18 2019-12-31 Capital One Services, Llc System and method for second factor authentication of customer support calls
US11082229B2 (en) 2019-03-18 2021-08-03 Capital One Services, Llc System and method for pre-authentication of customer support calls
US10643420B1 (en) 2019-03-20 2020-05-05 Capital One Services, Llc Contextual tapping engine
US10984416B2 (en) 2019-03-20 2021-04-20 Capital One Services, Llc NFC mobile currency transfer
US10438437B1 (en) 2019-03-20 2019-10-08 Capital One Services, Llc Tap to copy data to clipboard via NFC
US10535062B1 (en) 2019-03-20 2020-01-14 Capital One Services, Llc Using a contactless card to securely share personal data stored in a blockchain
US10970712B2 (en) 2019-03-21 2021-04-06 Capital One Services, Llc Delegated administration of permissions using a contactless card
US10467445B1 (en) 2019-03-28 2019-11-05 Capital One Services, Llc Devices and methods for contactless card alignment with a foldable mobile device
SG11202108626QA (en) 2019-05-17 2021-09-29 Visa Int Service Ass Virtual access credential interaction system and method
US11521262B2 (en) 2019-05-28 2022-12-06 Capital One Services, Llc NFC enhanced augmented reality information overlays
US10516447B1 (en) 2019-06-17 2019-12-24 Capital One Services, Llc Dynamic power levels in NFC card communications
US11392933B2 (en) 2019-07-03 2022-07-19 Capital One Services, Llc Systems and methods for providing online and hybridcard interactions
US10871958B1 (en) 2019-07-03 2020-12-22 Capital One Services, Llc Techniques to perform applet programming
US11694187B2 (en) 2019-07-03 2023-07-04 Capital One Services, Llc Constraining transactional capabilities for contactless cards
US10713649B1 (en) 2019-07-09 2020-07-14 Capital One Services, Llc System and method enabling mobile near-field communication to update display on a payment card
US10885514B1 (en) 2019-07-15 2021-01-05 Capital One Services, Llc System and method for using image data to trigger contactless card transactions
US10498401B1 (en) 2019-07-15 2019-12-03 Capital One Services, Llc System and method for guiding card positioning using phone sensors
US10832271B1 (en) 2019-07-17 2020-11-10 Capital One Services, Llc Verified reviews using a contactless card
US11182771B2 (en) 2019-07-17 2021-11-23 Capital One Services, Llc System for value loading onto in-vehicle device
US10733601B1 (en) 2019-07-17 2020-08-04 Capital One Services, Llc Body area network facilitated authentication or payment authorization
US11521213B2 (en) 2019-07-18 2022-12-06 Capital One Services, Llc Continuous authentication for digital services based on contactless card positioning
US10506426B1 (en) 2019-07-19 2019-12-10 Capital One Services, Llc Techniques for call authentication
US10541995B1 (en) 2019-07-23 2020-01-21 Capital One Services, Llc First factor contactless card authentication system and method
WO2021066823A1 (en) 2019-10-02 2021-04-08 Capital One Services, Llc Client device authentication using contactless legacy magnetic stripe data
US11615395B2 (en) 2019-12-23 2023-03-28 Capital One Services, Llc Authentication for third party digital wallet provisioning
US11113685B2 (en) 2019-12-23 2021-09-07 Capital One Services, Llc Card issuing with restricted virtual numbers
US11651361B2 (en) 2019-12-23 2023-05-16 Capital One Services, Llc Secure authentication based on passport data stored in a contactless card
US10657754B1 (en) 2019-12-23 2020-05-19 Capital One Services, Llc Contactless card and personal identification system
US10885410B1 (en) 2019-12-23 2021-01-05 Capital One Services, Llc Generating barcodes utilizing cryptographic techniques
US10862540B1 (en) 2019-12-23 2020-12-08 Capital One Services, Llc Method for mapping NFC field strength and location on mobile devices
US10733283B1 (en) 2019-12-23 2020-08-04 Capital One Services, Llc Secure password generation and management using NFC and contactless smart cards
US10853795B1 (en) 2019-12-24 2020-12-01 Capital One Services, Llc Secure authentication based on identity data stored in a contactless card
US10664941B1 (en) 2019-12-24 2020-05-26 Capital One Services, Llc Steganographic image encoding of biometric template information on a card
US11200563B2 (en) 2019-12-24 2021-12-14 Capital One Services, Llc Account registration using a contactless card
US10757574B1 (en) 2019-12-26 2020-08-25 Capital One Services, Llc Multi-factor authentication providing a credential via a contactless card for secure messaging
US10909544B1 (en) 2019-12-26 2021-02-02 Capital One Services, Llc Accessing and utilizing multiple loyalty point accounts
US11038688B1 (en) 2019-12-30 2021-06-15 Capital One Services, Llc Techniques to control applets for contactless cards
US10860914B1 (en) 2019-12-31 2020-12-08 Capital One Services, Llc Contactless card and method of assembly
US11455620B2 (en) 2019-12-31 2022-09-27 Capital One Services, Llc Tapping a contactless card to a computing device to provision a virtual number
US11210656B2 (en) 2020-04-13 2021-12-28 Capital One Services, Llc Determining specific terms for contactless card activation
US11823175B2 (en) 2020-04-30 2023-11-21 Capital One Services, Llc Intelligent card unlock
US11030339B1 (en) 2020-04-30 2021-06-08 Capital One Services, Llc Systems and methods for data access control of personal user data using a short-range transceiver
US11222342B2 (en) 2020-04-30 2022-01-11 Capital One Services, Llc Accurate images in graphical user interfaces to enable data transfer
US10915888B1 (en) 2020-04-30 2021-02-09 Capital One Services, Llc Contactless card with multiple rotating security keys
US10861006B1 (en) 2020-04-30 2020-12-08 Capital One Services, Llc Systems and methods for data access control using a short-range transceiver
US10963865B1 (en) 2020-05-12 2021-03-30 Capital One Services, Llc Augmented reality card activation experience
US11063979B1 (en) 2020-05-18 2021-07-13 Capital One Services, Llc Enabling communications between applications in a mobile operating system
US11100511B1 (en) 2020-05-18 2021-08-24 Capital One Services, Llc Application-based point of sale system in mobile operating systems
EP3933731A1 (en) * 2020-06-30 2022-01-05 Mastercard International Incorporated Authorization data processing for multiple issuers
US11062098B1 (en) 2020-08-11 2021-07-13 Capital One Services, Llc Augmented reality information display and interaction via NFC based authentication
US11165586B1 (en) 2020-10-30 2021-11-02 Capital One Services, Llc Call center web-based authentication using a contactless card
US11482312B2 (en) 2020-10-30 2022-10-25 Capital One Services, Llc Secure verification of medical status using a contactless card
US11373169B2 (en) 2020-11-03 2022-06-28 Capital One Services, Llc Web-based activation of contactless cards
US11216799B1 (en) 2021-01-04 2022-01-04 Capital One Services, Llc Secure generation of one-time passcodes using a contactless card
US11682012B2 (en) 2021-01-27 2023-06-20 Capital One Services, Llc Contactless delivery systems and methods
US11687930B2 (en) 2021-01-28 2023-06-27 Capital One Services, Llc Systems and methods for authentication of access tokens
US11562358B2 (en) 2021-01-28 2023-01-24 Capital One Services, Llc Systems and methods for near field contactless card communication and cryptographic authentication
US11792001B2 (en) 2021-01-28 2023-10-17 Capital One Services, Llc Systems and methods for secure reprovisioning
US11438329B2 (en) 2021-01-29 2022-09-06 Capital One Services, Llc Systems and methods for authenticated peer-to-peer data transfer using resource locators
US11777933B2 (en) 2021-02-03 2023-10-03 Capital One Services, Llc URL-based authentication for payment cards
US11637826B2 (en) 2021-02-24 2023-04-25 Capital One Services, Llc Establishing authentication persistence
US11245438B1 (en) 2021-03-26 2022-02-08 Capital One Services, Llc Network-enabled smart apparatus and systems and methods for activating and provisioning same
US11961089B2 (en) 2021-04-20 2024-04-16 Capital One Services, Llc On-demand applications to extend web services
US11935035B2 (en) 2021-04-20 2024-03-19 Capital One Services, Llc Techniques to utilize resource locators by a contactless card to perform a sequence of operations
US11902442B2 (en) 2021-04-22 2024-02-13 Capital One Services, Llc Secure management of accounts on display devices using a contactless card
US11354555B1 (en) 2021-05-04 2022-06-07 Capital One Services, Llc Methods, mediums, and systems for applying a display to a transaction card
US11722836B2 (en) * 2021-08-31 2023-08-08 Capital One Services, Llc Location-based messaging

Family Cites Families (505)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US2003220A (en) * 1931-10-23 1935-05-28 William J Pearson Type-setting device
US3594727A (en) * 1968-04-16 1971-07-20 Edward L Braun Credit card banking system
JPS52120009A (en) 1976-03-31 1977-10-08 Toppan Printing Co Ltd Photogravure printing plate
DE3906349A1 (de) 1989-03-01 1990-09-13 Hartmut Hennige Verfahren und vorrichtung zur vereinfachung des gebrauchs einer vielzahl von kreditkarten u. dgl.
US5163098A (en) 1990-09-06 1992-11-10 Dahbura Abbud S System for preventing fraudulent use of credit card
US5585787A (en) 1991-12-09 1996-12-17 Wallerstein; Robert S. Programmable credit card
US5955961A (en) * 1991-12-09 1999-09-21 Wallerstein; Robert S. Programmable transaction card
US5280527A (en) 1992-04-14 1994-01-18 Kamahira Safe Co., Inc. Biometric token for authorizing access to a host system
AUPM616994A0 (en) 1994-06-09 1994-07-07 Reilly, Chris Security system for eft using magnetic strip cards
US5613012A (en) 1994-11-28 1997-03-18 Smarttouch, Llc. Tokenless identification system for authorization of electronic transactions and electronic transmissions
NL1001659C2 (nl) 1995-11-15 1997-05-21 Nederland Ptt Werkwijze voor het afwaarderen van een elektronisch betaalmiddel.
US5781438A (en) 1995-12-19 1998-07-14 Pitney Bowes Inc. Token generation process in an open metering system
US6044360A (en) 1996-04-16 2000-03-28 Picciallo; Michael J. Third party credit card
US5988497A (en) 1996-05-30 1999-11-23 Mci Communications Corporation Method for authenticating credit transactions to prevent fraudulent charges
US5930767A (en) 1997-05-28 1999-07-27 Motorola, Inc. Transaction methods systems and devices
US5913203A (en) 1996-10-03 1999-06-15 Jaesent Inc. System and method for pseudo cash transactions
US5953710A (en) 1996-10-09 1999-09-14 Fleming; Stephen S. Children's credit or debit card system
GB9624127D0 (en) 1996-11-20 1997-01-08 British Telecomm Transaction system
US5949044A (en) 1997-06-13 1999-09-07 Walker Asset Management Limited Partnership Method and apparatus for funds and credit line transfers
US7177835B1 (en) 1997-08-28 2007-02-13 Walker Digital, Llc Method and device for generating a single-use financial account number
US6163771A (en) 1997-08-28 2000-12-19 Walker Digital, Llc Method and device for generating a single-use financial account number
US6000832A (en) 1997-09-24 1999-12-14 Microsoft Corporation Electronic online commerce card with customer generated transaction proxy number for online transactions
US5883810A (en) 1997-09-24 1999-03-16 Microsoft Corporation Electronic online commerce card with transactionproxy number for online transactions
US6024286A (en) * 1997-10-21 2000-02-15 At&T Corp Smart card providing a plurality of independently accessible accounts
US6014635A (en) 1997-12-08 2000-01-11 Shc Direct, Inc. System and method for providing a discount credit transaction network
US6385596B1 (en) 1998-02-06 2002-05-07 Liquid Audio, Inc. Secure online music distribution system
US6980670B1 (en) 1998-02-09 2005-12-27 Indivos Corporation Biometric tokenless electronic rewards system and method
US6636833B1 (en) 1998-03-25 2003-10-21 Obis Patents Ltd. Credit card system and method
US6422462B1 (en) 1998-03-30 2002-07-23 Morris E. Cohen Apparatus and methods for improved credit cards and credit card transactions
IL125826A (en) 1998-08-17 2001-05-20 Ur Jonathan Shem Method for preventing unauthorized use of credit cards in remote payments and an optional supplemental-code card for use therein
US8799153B2 (en) 1998-08-31 2014-08-05 Mastercard International Incorporated Systems and methods for appending supplemental payment data to a transaction message
CN1277693A (zh) 1998-09-04 2000-12-20 印抛厄尔股份有限公司 进行不记名购物和不记名卖主发货的电子商务
US6327578B1 (en) 1998-12-29 2001-12-04 International Business Machines Corporation Four-party credit/debit payment protocol
JP2000322486A (ja) 1999-02-12 2000-11-24 Citibank Na 銀行カード取引きを履行するための方法およびシステム
US7571139B1 (en) 1999-02-19 2009-08-04 Giordano Joseph A System and method for processing financial transactions
US6227447B1 (en) 1999-05-10 2001-05-08 First Usa Bank, Na Cardless payment system
US7194437B1 (en) 1999-05-14 2007-03-20 Amazon.Com, Inc. Computer-based funds transfer system
US7908216B1 (en) 1999-07-22 2011-03-15 Visa International Service Association Internet payment, authentication and loading system using virtual smart card
AU6229000A (en) 1999-07-26 2001-02-13 Iprivacy Llc Electronic purchase of goods over a communication network including physical delivery while securing private and personal information
US7889052B2 (en) 2001-07-10 2011-02-15 Xatra Fund Mx, Llc Authorizing payment subsequent to RF transactions
US6748367B1 (en) 1999-09-24 2004-06-08 Joonho John Lee Method and system for effecting financial transactions over a public network without submission of sensitive information
US7340439B2 (en) 1999-09-28 2008-03-04 Chameleon Network Inc. Portable electronic authorization system and method
AU1598101A (en) 1999-11-10 2001-06-06 Serge M. Krasnyansky On-line payment system
EP1245009A1 (en) 1999-12-17 2002-10-02 Chantilley Corporation Limited Secure transaction systems
US7426750B2 (en) 2000-02-18 2008-09-16 Verimatrix, Inc. Network-based content distribution system
US6453301B1 (en) 2000-02-23 2002-09-17 Sony Corporation Method of using personal device with internal biometric in conducting transactions over a network
AU2001239945A1 (en) 2000-02-29 2001-09-12 E-Scoring, Inc. Systems and methods enabling anonymous credit transactions
TW550477B (en) 2000-03-01 2003-09-01 Passgate Corp Method, system and computer readable medium for Web site account and e-commerce management from a central location
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
US7627531B2 (en) 2000-03-07 2009-12-01 American Express Travel Related Services Company, Inc. System for facilitating a transaction
AU4365801A (en) * 2000-03-15 2001-09-24 Mastercard International Inc Method and system for secure payments over a computer network
NO311658B1 (no) 2000-03-27 2001-12-27 Scan & Pay As Fremgangsmåte for å gjennomföre handel og betalings- /kredittformidling
US20100228668A1 (en) 2000-04-11 2010-09-09 Hogan Edward J Method and System for Conducting a Transaction Using a Proximity Device and an Identifier
US20100223186A1 (en) 2000-04-11 2010-09-02 Hogan Edward J Method and System for Conducting Secure Payments
US7177848B2 (en) 2000-04-11 2007-02-13 Mastercard International Incorporated Method and system for conducting secure payments over a computer network without a pseudo or proxy account number
US20050127164A1 (en) 2002-03-19 2005-06-16 John Wankmueller Method and system for conducting a transaction using a proximity device and an identifier
US6990470B2 (en) 2000-04-11 2006-01-24 Mastercard International Incorporated Method and system for conducting secure payments over a computer network
US7379919B2 (en) 2000-04-11 2008-05-27 Mastercard International Incorporated Method and system for conducting secure payments over a computer network
CA2305249A1 (en) 2000-04-14 2001-10-14 Branko Sarcanin Virtual safe
US20070129955A1 (en) 2000-04-14 2007-06-07 American Express Travel Related Services Company, Inc. System and method for issuing and using a loyalty point advance
WO2001079966A2 (en) 2000-04-14 2001-10-25 American Express Travel Related Services Company, Inc. A system and method for using loyalty points
US20030046237A1 (en) * 2000-05-09 2003-03-06 James Uberti Method and system for enabling the issuance of biometrically secured online credit or other online payment transactions without tokens
US6592044B1 (en) 2000-05-15 2003-07-15 Jacob Y. Wong Anonymous electronic card for generating personal coupons useful in commercial and security transactions
US6805288B2 (en) 2000-05-15 2004-10-19 Larry Routhenstein Method for generating customer secure card numbers subject to use restrictions by an electronic card
WO2001092989A2 (en) 2000-05-26 2001-12-06 Interchecks, Llc Methods and systems for network based electronic purchasing system
US6891953B1 (en) 2000-06-27 2005-05-10 Microsoft Corporation Method and system for binding enhanced software features to a persona
US7386517B1 (en) 2000-07-24 2008-06-10 Donner Irah H System and method for determining and/or transmitting and/or establishing communication with a mobile device user for providing, for example, concessions, tournaments, competitions, matching, reallocating, upgrading, selling tickets, other event admittance means, goods and/or services
US7280975B1 (en) * 2000-07-24 2007-10-09 Donner Irah H System and method for determining and/or transmitting and/or establishing communication with a mobile device user for providing, for example, concessions, tournaments, competitions, matching, reallocating, upgrading, selling tickets, other event admittance means, goods and/or services
US6938019B1 (en) 2000-08-29 2005-08-30 Uzo Chijioke Chukwuemeka Method and apparatus for making secure electronic payments
AU2001286985A1 (en) 2000-09-01 2002-03-13 Infospace, Inc. Method and system for facilitating the transfer of funds utilizing a telephonic identifier
US9202206B2 (en) * 2000-09-25 2015-12-01 Ecardless Bancorp, Ltd. Secure financial transaction processing using location information
US20020073045A1 (en) 2000-10-23 2002-06-13 Rubin Aviel D. Off-line generation of limited-use credit card numbers
US7996288B1 (en) 2000-11-15 2011-08-09 Iprivacy, Llc Method and system for processing recurrent consumer transactions
US7318049B2 (en) * 2000-11-17 2008-01-08 Gregory Fx Iannacci System and method for an automated benefit recognition, acquisition, value exchange, and transaction settlement system using multivariable linear and nonlinear modeling
US20040236632A1 (en) 2000-12-07 2004-11-25 Maritzen Michael L. System and method for conducing financial transactions using a personal transaction device with vehicle-accessed, payment-gateway terminals
SI1235179T1 (sl) * 2001-01-10 2008-02-29 Jorg Dr Rehwald Sistem za zajemanje in shranjevanje za osebo specificnih podatkov in ustrezni shranjevalni element kot tudi postopek za resevanje in/ali medicinsko oskrbo oseb v sili
US6931382B2 (en) * 2001-01-24 2005-08-16 Cdck Corporation Payment instrument authorization technique
GB2372616A (en) 2001-02-23 2002-08-28 Hewlett Packard Co Transaction method and apparatus using two part tokens
US7292999B2 (en) 2001-03-15 2007-11-06 American Express Travel Related Services Company, Inc. Online card present transaction
US7237117B2 (en) 2001-03-16 2007-06-26 Kenneth P. Weiss Universal secure registry
WO2002077745A2 (en) 2001-03-26 2002-10-03 Wolfram Johannes Bernd Reiners Transaction authorisation system
US20020147913A1 (en) 2001-04-09 2002-10-10 Lun Yip William Wai Tamper-proof mobile commerce system
US20020169720A1 (en) * 2001-05-12 2002-11-14 Wilson Phillip C. Method for cardholder to place use restrictions on credit card at will
US7650314B1 (en) 2001-05-25 2010-01-19 American Express Travel Related Services Company, Inc. System and method for securing a recurrent billing transaction
US7542942B2 (en) 2001-07-10 2009-06-02 American Express Travel Related Services Company, Inc. System and method for securing sensitive information during completion of a transaction
US8060448B2 (en) 2001-05-30 2011-11-15 Jones Thomas C Late binding tokens
JP4363800B2 (ja) 2001-06-11 2009-11-11 ソニー株式会社 電子商取引支援装置，電子商取引支援方法およびコンピュータプログラム
US7805378B2 (en) 2001-07-10 2010-09-28 American Express Travel Related Servicex Company, Inc. System and method for encoding information in magnetic stripe format for use in radio frequency identification transactions
US7762457B2 (en) * 2001-07-10 2010-07-27 American Express Travel Related Services Company, Inc. System and method for dynamic fob synchronization and personalization
US7249112B2 (en) 2002-07-09 2007-07-24 American Express Travel Related Services Company, Inc. System and method for assigning a funding source for a radio frequency identification device
US20060237528A1 (en) 2001-07-10 2006-10-26 Fred Bishop Systems and methods for non-traditional payment
US8737954B2 (en) 2001-08-21 2014-05-27 Bookit Oy Ajanvarauspalvelu Managing recurring payments from mobile terminals
US7444676B1 (en) 2001-08-29 2008-10-28 Nader Asghari-Kamrani Direct authentication and authorization system and method for trusted network of financial institutions
CN1578962A (zh) 2001-08-31 2005-02-09 佩塞特有限公司 使用电子信息的金融交易***和方法
ES2399745T3 (es) 2001-09-03 2013-04-03 Kabushiki Kaisha Eighting Procedimiento de certificación individual
US7103576B2 (en) 2001-09-21 2006-09-05 First Usa Bank, Na System for providing cardless payment
US20030101134A1 (en) * 2001-11-28 2003-05-29 Liu James C. Method and system for trusted transaction approval
US6857566B2 (en) 2001-12-06 2005-02-22 Mastercard International Method and system for conducting transactions using a payment card with two technologies
US6901387B2 (en) 2001-12-07 2005-05-31 General Electric Capital Financial Electronic purchasing method and apparatus for performing the same
US7805376B2 (en) 2002-06-14 2010-09-28 American Express Travel Related Services Company, Inc. Methods and apparatus for facilitating a transaction
US7904360B2 (en) 2002-02-04 2011-03-08 Alexander William EVANS System and method for verification, authentication, and notification of a transaction
US7890393B2 (en) 2002-02-07 2011-02-15 Ebay, Inc. Method and system for completing a transaction between a customer and a merchant
GB0204620D0 (en) * 2002-02-28 2002-04-10 Europay Internat N V Chip authentication programme
AUPS087602A0 (en) 2002-03-04 2002-03-28 Ong, Yong Kin (Michael) Electronic fund transfer system
JP2005521332A (ja) 2002-03-19 2005-07-14 マスターカード インターナシヨナル インコーポレーテツド 近接装置を使用してトランザクションを実行する方法およびシステム
AU2003230751A1 (en) 2002-03-29 2003-10-13 Bank One, Delaware, N.A. System and process for performing purchase transaction using tokens
US20040210498A1 (en) 2002-03-29 2004-10-21 Bank One, National Association Method and system for performing purchase and other transactions using tokens with multiple chips
GB2387253B (en) 2002-04-03 2004-02-18 Swivel Technologies Ltd System and method for secure credit and debit card transactions
US20030191709A1 (en) 2002-04-03 2003-10-09 Stephen Elston Distributed payment and loyalty processing for retail and vending
US7707120B2 (en) 2002-04-17 2010-04-27 Visa International Service Association Mobile account authentication service
EP1504393A4 (en) 2002-04-23 2008-03-19 Clearing House Service Company PAYMENT IDENTIFICATION CODE AND PAYMENT SYSTEM THEREWITH
US7908626B2 (en) 2002-05-03 2011-03-15 Time Warner Interactive Video Group, Inc. Network based digital information and entertainment storage and delivery system
US8412623B2 (en) 2002-07-15 2013-04-02 Citicorp Credit Services, Inc. Method and system for a multi-purpose transactional platform
US7209561B1 (en) 2002-07-19 2007-04-24 Cybersource Corporation System and method for generating encryption seed values
US20040127256A1 (en) 2002-07-30 2004-07-01 Scott Goldthwaite Mobile device equipped with a contactless smart card reader/writer
US7792759B2 (en) * 2002-07-29 2010-09-07 Emv Co. Llc Methods for performing transactions in a wireless environment
US7606560B2 (en) 2002-08-08 2009-10-20 Fujitsu Limited Authentication services using mobile device
US7353382B2 (en) 2002-08-08 2008-04-01 Fujitsu Limited Security framework and protocol for universal pervasive transactions
US7801826B2 (en) 2002-08-08 2010-09-21 Fujitsu Limited Framework and system for purchasing of goods and services
US6805287B2 (en) 2002-09-12 2004-10-19 American Express Travel Related Services Company, Inc. System and method for converting a stored value card to a credit card
KR100474213B1 (ko) * 2002-10-31 2005-03-10 (주)로코모 무선망을 이용한 즉석 모바일 카드 발급 방법
US7496527B2 (en) 2002-11-05 2009-02-24 Barmonger, Llc Remote purchasing system, method and program
JP2006508471A (ja) 2002-11-27 2006-03-09 アールエスエイ セキュリティー インク 識別認証システムおよび方法
GB2396472A (en) 2002-12-18 2004-06-23 Ncr Int Inc System for cash withdrawal
US7827101B2 (en) 2003-01-10 2010-11-02 First Data Corporation Payment system clearing for transactions
TW200412524A (en) 2003-01-15 2004-07-16 Lee Fung Chi A small amount paying/receiving system
US8082210B2 (en) 2003-04-29 2011-12-20 The Western Union Company Authentication for online money transfers
US20070038867A1 (en) 2003-06-02 2007-02-15 Verbauwhede Ingrid M System for biometric signal processing with hardware and software acceleration
GB0318000D0 (en) 2003-07-31 2003-09-03 Ncr Int Inc Mobile applications
US7740168B2 (en) 2003-08-18 2010-06-22 Visa U.S.A. Inc. Method and system for generating a dynamic verification value
US20050199709A1 (en) 2003-10-10 2005-09-15 James Linlor Secure money transfer between hand-held devices
US7567936B1 (en) 2003-10-14 2009-07-28 Paradox Technical Solutions Llc Method and apparatus for handling pseudo identities
US20050080730A1 (en) 2003-10-14 2005-04-14 First Data Corporation System and method for secure account transactions
JP2005118224A (ja) * 2003-10-15 2005-05-12 Mars Engineering Corp 患者認証端末、患者認証システム、記録媒体、患者認証用第１記録媒体発行装置、患者認証用第２記録媒体発行装置、及び、患者認証方法
US8015085B2 (en) * 2003-11-14 2011-09-06 First Data Corporation System for distributing funds
US20050108178A1 (en) 2003-11-17 2005-05-19 Richard York Order risk determination
US7543739B2 (en) 2003-12-17 2009-06-09 Qsecure, Inc. Automated payment card fraud detection and location
CN1914895B (zh) 2004-01-20 2018-03-09 黄金富 利用电话进行安全金钱支付带锁银行电脑帐务***和方法
US20050197945A1 (en) * 2004-02-12 2005-09-08 Bsi2000, Inc. Optical banking card
US7580898B2 (en) 2004-03-15 2009-08-25 Qsecure, Inc. Financial transactions with dynamic personal account numbers
US7584153B2 (en) 2004-03-15 2009-09-01 Qsecure, Inc. Financial transactions with dynamic card verification values
GB0407369D0 (en) 2004-03-31 2004-05-05 British Telecomm Trust tokens
US20140019352A1 (en) 2011-02-22 2014-01-16 Visa International Service Association Multi-purpose virtual card transaction apparatuses, methods and systems
US20050269402A1 (en) 2004-06-03 2005-12-08 Tyfone, Inc. System and method for securing financial transactions
US20050269401A1 (en) 2004-06-03 2005-12-08 Tyfone, Inc. System and method for securing financial transactions
US8412837B1 (en) 2004-07-08 2013-04-02 James A. Roskind Data privacy
US7264154B2 (en) 2004-07-12 2007-09-04 Harris David N System and method for securing a credit account
US7287692B1 (en) 2004-07-28 2007-10-30 Cisco Technology, Inc. System and method for securing transactions in a contact center environment
GB0420409D0 (en) 2004-09-14 2004-10-20 Waterleaf Ltd Online commercial transaction system and method of operation thereof
US7051929B2 (en) 2004-10-18 2006-05-30 Gongling Li Secure credit card having daily changed security number
US7523858B2 (en) * 2005-01-07 2009-04-28 Dennis Michael Moulton Device and methods for secure transactions
US7548889B2 (en) 2005-01-24 2009-06-16 Microsoft Corporation Payment information security for multi-merchant purchasing environment for downloadable products
US7128274B2 (en) * 2005-03-24 2006-10-31 International Business Machines Corporation Secure credit card with near field communications
CN102368325A (zh) 2005-04-19 2012-03-07 微软公司 网络商业交易
US20060235795A1 (en) 2005-04-19 2006-10-19 Microsoft Corporation Secure network commercial transactions
US7849020B2 (en) 2005-04-19 2010-12-07 Microsoft Corporation Method and apparatus for network transactions
US7793851B2 (en) 2005-05-09 2010-09-14 Dynamics Inc. Dynamic credit card with magnetic stripe and embedded encoder and methods for using the same to provide a copy-proof credit card
US20080035738A1 (en) 2005-05-09 2008-02-14 Mullen Jeffrey D Dynamic credit card with magnetic stripe and embedded encoder and methods for using the same to provide a copy-proof credit card
WO2006135779A2 (en) 2005-06-10 2006-12-21 American Express Travel Related Services Company, Inc. System and method for mass transit merchant payment
JP2009501981A (ja) 2005-07-15 2009-01-22 レボリューション マネー，インコーポレイテッド 金融及びデータ取引を新規実行し管理するシステム及び方法
US8762263B2 (en) 2005-09-06 2014-06-24 Visa U.S.A. Inc. System and method for secured account numbers in proximity devices
US8205791B2 (en) 2005-10-11 2012-06-26 National Payment Card Association Payment system and methods
US8352376B2 (en) 2005-10-11 2013-01-08 Amazon Technologies, Inc. System and method for authorization of transactions
US7853995B2 (en) 2005-11-18 2010-12-14 Microsoft Corporation Short-lived certificate authority service
US20070136193A1 (en) 2005-12-13 2007-06-14 Bellsouth Intellectual Property Corporation Methods, transactional cards, and systems using account identifers customized by the account holder
US8275312B2 (en) 2005-12-31 2012-09-25 Blaze Mobile, Inc. Induction triggered transactions using an external NFC device
US8352323B2 (en) 2007-11-30 2013-01-08 Blaze Mobile, Inc. Conducting an online payment transaction using an NFC enabled mobile communication device
US20070170247A1 (en) 2006-01-20 2007-07-26 Maury Samuel Friedman Payment card authentication system and method
WO2007085090A1 (en) 2006-01-30 2007-08-02 Cpni Inc. A system and method for authorizing a funds transfer or payment using a phone number
US8234220B2 (en) 2007-02-21 2012-07-31 Weiss Kenneth P Universal secure registry
EP1987463A1 (en) 2006-02-21 2008-11-05 WEISS, Kenneth P. Method and apparatus for secure access payment and identification
EP1999715A4 (en) 2006-03-02 2014-07-09 Visa Int Service Ass METHOD AND SYSTEM FOR REALIZING TWO-FACTOR AUTHENTICATION IN CORRESPONDENCE OR TELEPHONE SALE TRANSACTIONS
US8225385B2 (en) 2006-03-23 2012-07-17 Microsoft Corporation Multiple security token transactions
US9065643B2 (en) 2006-04-05 2015-06-23 Visa U.S.A. Inc. System and method for account identifier obfuscation
US7818264B2 (en) 2006-06-19 2010-10-19 Visa U.S.A. Inc. Track data encryption
US20070245414A1 (en) 2006-04-14 2007-10-18 Microsoft Corporation Proxy Authentication and Indirect Certificate Chaining
US20070288377A1 (en) 2006-04-26 2007-12-13 Yosef Shaked System and method for authenticating a customer's identity and completing a secure credit card transaction without the use of a credit card number
US20070291995A1 (en) 2006-06-09 2007-12-20 Rivera Paul G System, Method, and Apparatus for Preventing Identity Fraud Associated With Payment and Identity Cards
US20080015988A1 (en) 2006-06-28 2008-01-17 Gary Brown Proxy card authorization system
US7735733B2 (en) * 2006-07-17 2010-06-15 Mastercard International, Inc. Multiple account wireless payment device
US10019708B2 (en) 2006-08-25 2018-07-10 Amazon Technologies, Inc. Utilizing phrase tokens in transactions
US7469151B2 (en) 2006-09-01 2008-12-23 Vivotech, Inc. Methods, systems and computer program products for over the air (OTA) provisioning of soft cards on devices with wireless communications capabilities
US20080228646A1 (en) 2006-10-04 2008-09-18 Myers James R Method and system for managing a non-changing payment card account number
AT506775A2 (de) 2006-11-16 2009-11-15 Net 1 Ueps Technologies Inc Gesicherte finanzielle transaktionen
US7848980B2 (en) 2006-12-26 2010-12-07 Visa U.S.A. Inc. Mobile payment system and method using alias
US20090006262A1 (en) 2006-12-30 2009-01-01 Brown Kerry D Financial transaction payment processor
US7841539B2 (en) 2007-02-15 2010-11-30 Alfred Hewton Smart card with random temporary account number generation
US20080201264A1 (en) 2007-02-17 2008-08-21 Brown Kerry D Payment card financial transaction authenticator
US20080243702A1 (en) 2007-03-30 2008-10-02 Ricoh Company, Ltd. Tokens Usable in Value-Based Transactions
US7938318B2 (en) 2007-04-03 2011-05-10 Intellectual Ventures Holding 32 Llc System and method for controlling secured transaction using directionally coded account identifiers
US7896238B2 (en) 2007-04-03 2011-03-01 Intellectual Ventures Holding 32 Llc Secured transaction using color coded account identifiers
JP5520813B2 (ja) 2007-04-17 2014-06-11 ビザ ユー．エス．エー．インコーポレイテッド 取引のための個人認証方法、サーバ、およびその方法を実行するためのプログラム記憶媒体
US7784685B1 (en) 2007-04-26 2010-08-31 United Services Automobile Association (Usaa) Secure card
US7959076B1 (en) 2007-04-26 2011-06-14 United Services Automobile Association (Usaa) Secure card
US8109436B1 (en) 2007-04-26 2012-02-07 United Services Automobile Association (Usaa) Secure card
WO2008144555A1 (en) 2007-05-17 2008-11-27 Shift4 Corporation Secure payment card transactions
US7841523B2 (en) 2007-05-17 2010-11-30 Shift4 Corporation Secure payment card transactions
US7770789B2 (en) 2007-05-17 2010-08-10 Shift4 Corporation Secure payment card transactions
US7891563B2 (en) 2007-05-17 2011-02-22 Shift4 Corporation Secure payment card transactions
US7971261B2 (en) 2007-06-12 2011-06-28 Microsoft Corporation Domain management for digital media
US8121956B2 (en) 2007-06-25 2012-02-21 Visa U.S.A. Inc. Cardless challenge systems and methods
US7739169B2 (en) 2007-06-25 2010-06-15 Visa U.S.A. Inc. Restricting access to compromised account information
JP2009015548A (ja) 2007-07-04 2009-01-22 Omron Corp 運転支援装置および方法、並びに、プログラム
US8326758B2 (en) 2007-08-06 2012-12-04 Enpulz, L.L.C. Proxy card representing many monetary sources from a plurality of vendors
US8494959B2 (en) 2007-08-17 2013-07-23 Emc Corporation Payment card with dynamic account number
US7849014B2 (en) 2007-08-29 2010-12-07 American Express Travel Related Services Company, Inc. System and method for facilitating a financial transaction with a dynamically generated identifier
US9070129B2 (en) 2007-09-04 2015-06-30 Visa U.S.A. Inc. Method and system for securing data fields
US7937324B2 (en) 2007-09-13 2011-05-03 Visa U.S.A. Inc. Account permanence
US9747598B2 (en) 2007-10-02 2017-08-29 Iii Holdings 1, Llc Dynamic security code push
US8095113B2 (en) 2007-10-17 2012-01-10 First Data Corporation Onetime passwords for smart chip cards
US20090106160A1 (en) 2007-10-19 2009-04-23 First Data Corporation Authorizations for mobile contactless payment transactions
CN101425894B (zh) 2007-10-30 2012-03-21 阿里巴巴集团控股有限公司 一种业务实现***及方法
US8249985B2 (en) 2007-11-29 2012-08-21 Bank Of America Corporation Sub-account mechanism
US20090157555A1 (en) 2007-12-12 2009-06-18 American Express Travel Related Services Company, Bill payment system and method
US8117129B2 (en) 2007-12-21 2012-02-14 American Express Travel Related Services Company, Inc. Systems, methods and computer program products for performing mass transit merchant transactions
US20090159696A1 (en) 2007-12-24 2009-06-25 Dynamics Inc. Advanced dynamic credit cards
US8224702B2 (en) 2007-12-28 2012-07-17 Ebay, Inc. Systems and methods for facilitating financial transactions over a network
EP2245583A1 (en) 2008-01-04 2010-11-03 M2 International Ltd. Dynamic card verification value
US20090198618A1 (en) * 2008-01-15 2009-08-06 Yuen Wah Eva Chan Device and method for loading managing and using smartcard authentication token and digital certificates in e-commerce
FR2926938B1 (fr) 2008-01-28 2010-03-19 Paycool Dev Procede d'authentification et de signature d'un utilisateur aupres d'un service applicatif, utilisant un telephone mobile comme second facteur en complement et independamment d'un premier facteur
US8255971B1 (en) 2008-03-03 2012-08-28 Jpmorgan Chase Bank, N.A. Authentication system and method
US8578176B2 (en) 2008-03-26 2013-11-05 Protegrity Corporation Method and apparatus for tokenization of sensitive sets of characters
US20090248583A1 (en) 2008-03-31 2009-10-01 Jasmeet Chhabra Device, system, and method for secure online transactions
US20090327131A1 (en) 2008-04-29 2009-12-31 American Express Travel Related Services Company, Inc. Dynamic account authentication using a mobile device
US20090276347A1 (en) 2008-05-01 2009-11-05 Kargman James B Method and apparatus for use of a temporary financial transaction number or code
US9715709B2 (en) 2008-05-09 2017-07-25 Visa International Services Association Communication device including multi-part alias identifier
US8651374B2 (en) 2008-06-02 2014-02-18 Sears Brands, L.L.C. System and method for payment card industry enterprise account number elimination
US20090307140A1 (en) 2008-06-06 2009-12-10 Upendra Mardikar Mobile device over-the-air (ota) registration and point-of-sale (pos) payment
US9269010B2 (en) 2008-07-14 2016-02-23 Jumio Inc. Mobile phone payment system using integrated camera credit card reader
US8090650B2 (en) 2008-07-24 2012-01-03 At&T Intellectual Property I, L.P. Secure payment service and system for interactive voice response (IVR) systems
US8219489B2 (en) 2008-07-29 2012-07-10 Visa U.S.A. Inc. Transaction processing using a global unique identifier
US9053474B2 (en) 2008-08-04 2015-06-09 At&T Mobility Ii Llc Systems and methods for handling point-of-sale transactions using a mobile device
US8281991B2 (en) 2008-08-07 2012-10-09 Visa U.S.A. Inc. Transaction secured in an untrusted environment
US8403211B2 (en) 2008-09-04 2013-03-26 Metabank System, program product and methods for retail activation and reload associated with partial authorization transactions
US20100082466A1 (en) * 2008-09-26 2010-04-01 Mark Carlson Beneficiary initiated p2p, p2b payment model
US8965811B2 (en) 2008-10-04 2015-02-24 Mastercard International Incorporated Methods and systems for using physical payment cards in secure E-commerce transactions
US20100094755A1 (en) 2008-10-09 2010-04-15 Nelnet Business Solutions, Inc. Providing payment data tokens for online transactions utilizing hosted inline frames
US20100106644A1 (en) 2008-10-23 2010-04-29 Diversinet Corp. System and Method for Authorizing Transactions Via Mobile Devices
US8126449B2 (en) 2008-11-13 2012-02-28 American Express Travel Related Services Company, Inc. Servicing attributes on a mobile device
US8196813B2 (en) 2008-12-03 2012-06-12 Ebay Inc. System and method to allow access to a value holding account
US8838503B2 (en) 2008-12-08 2014-09-16 Ebay Inc. Unified identity verification
US8060449B1 (en) 2009-01-05 2011-11-15 Sprint Communications Company L.P. Partially delegated over-the-air provisioning of a secure element
US10354321B2 (en) 2009-01-22 2019-07-16 First Data Corporation Processing transactions with an extended application ID and dynamic cryptograms
US10037524B2 (en) 2009-01-22 2018-07-31 First Data Corporation Dynamic primary account number (PAN) and unique key per card
US8606638B2 (en) 2009-03-02 2013-12-10 First Data Corporation Systems, methods and apparatus for facilitating transactions using a mobile device
US20100235284A1 (en) 2009-03-13 2010-09-16 Gidah, Inc. Method and systems for generating and using tokens in a transaction handling system
US8595098B2 (en) 2009-03-18 2013-11-26 Network Merchants, Inc. Transmission of sensitive customer information during electronic-based transactions
US8567670B2 (en) 2009-03-27 2013-10-29 Intersections Inc. Dynamic card verification values and credit transactions
US8584251B2 (en) 2009-04-07 2013-11-12 Princeton Payment Solutions Token-based payment processing system
US20100258620A1 (en) 2009-04-10 2010-10-14 Denise Torreyson Methods and systems for linking multiple accounts
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
WO2010126509A2 (en) * 2009-04-30 2010-11-04 Donald Michael Cardina Systems and methods for randomized mobile payment
US8725122B2 (en) 2009-05-13 2014-05-13 First Data Corporation Systems and methods for providing trusted service management 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
US20100306076A1 (en) 2009-05-29 2010-12-02 Ebay Inc. Trusted Integrity Manager (TIM)
TWI402775B (zh) 2009-07-16 2013-07-21 Mxtran Inc 金融交易系統、自動櫃員機、與操作自動櫃員機的方法
WO2011019660A2 (en) 2009-08-10 2011-02-17 Visa International Service Association Systems and methods for enrolling users in a payment service
US8818882B2 (en) 2009-08-24 2014-08-26 Visa International Service Association Alias identity and reputation validation engine
US20110083018A1 (en) 2009-10-06 2011-04-07 Validity Sensors, Inc. Secure User Authentication
WO2011047042A2 (en) 2009-10-13 2011-04-21 Square, Inc. Systems and methods for dynamic receipt generation with environmental information
US8447699B2 (en) 2009-10-13 2013-05-21 Qualcomm Incorporated Global secure service provider directory
CA2777799A1 (en) 2009-10-16 2011-04-21 Visa International Service Association Anti-phishing system and method including list with user data
US20110246317A1 (en) 2009-10-23 2011-10-06 Apriva, Llc System and device for facilitating a transaction through use of a proxy account code
US8296568B2 (en) 2009-10-27 2012-10-23 Google Inc. Systems and methods for authenticating an electronic transaction
US8433116B2 (en) 2009-11-03 2013-04-30 Mela Sciences, Inc. Showing skin lesion information
US9633351B2 (en) 2009-11-05 2017-04-25 Visa International Service Association Encryption switch processing
US10255591B2 (en) 2009-12-18 2019-04-09 Visa International Service Association Payment channel returning limited use proxy dynamic value
US8739262B2 (en) 2009-12-18 2014-05-27 Sabre Glbl Inc. Tokenized data security
US9324066B2 (en) 2009-12-21 2016-04-26 Verizon Patent And Licensing Inc. Method and system for providing virtual credit card services
US8788429B2 (en) 2009-12-30 2014-07-22 First Data Corporation Secure transaction management
AU2011205391B2 (en) 2010-01-12 2014-11-20 Visa International Service Association Anytime validation for verification tokens
WO2011091053A2 (en) 2010-01-19 2011-07-28 Visa International Service Association Token based transaction authentication
RU2698767C2 (ru) 2010-01-19 2019-08-29 Виза Интернэшнл Сервис Ассосиэйшн Обработка аутентификации удаленной переменной
US8615468B2 (en) 2010-01-27 2013-12-24 Ca, Inc. System and method for generating a dynamic card value
WO2011093898A1 (en) 2010-01-31 2011-08-04 Hewlett-Packard Development Company Lp Method and system for management of sampled traffic data
US9501773B2 (en) 2010-02-02 2016-11-22 Xia Dai Secured transaction system
US8510816B2 (en) 2010-02-25 2013-08-13 Secureauth Corporation Security device provisioning
US8458487B1 (en) 2010-03-03 2013-06-04 Liaison Technologies, Inc. System and methods for format preserving tokenization of sensitive information
US9245267B2 (en) 2010-03-03 2016-01-26 Visa International Service Association Portable account number for consumer payment account
US20110238511A1 (en) 2010-03-07 2011-09-29 Park Steve H Fuel dispenser payment system and method
US8887308B2 (en) 2010-03-21 2014-11-11 William Grecia Digital cloud access (PDMAS part III)
US8402555B2 (en) 2010-03-21 2013-03-19 William Grecia Personalized digital media access system (PDMAS)
US8533860B1 (en) 2010-03-21 2013-09-10 William Grecia Personalized digital media access system—PDMAS part II
US20110238573A1 (en) 2010-03-25 2011-09-29 Computer Associates Think, Inc. Cardless atm transaction method and system
US8380177B2 (en) 2010-04-09 2013-02-19 Paydiant, Inc. Mobile phone payment processing methods and systems
US8336088B2 (en) 2010-04-19 2012-12-18 Visa International Service Association Alias management and value transfer claim processing
AU2011261259B2 (en) 2010-06-04 2015-05-14 Visa International Service Association Payment tokenization apparatuses, methods and systems
US8442914B2 (en) 2010-07-06 2013-05-14 Mastercard International Incorporated Virtual wallet account with automatic-loading
US8571939B2 (en) 2010-07-07 2013-10-29 Toshiba Global Commerce Solutions Holdings Corporation Two phase payment link and authorization for mobile devices
US8453226B2 (en) 2010-07-16 2013-05-28 Visa International Service Association Token validation for advanced authorization
US8635157B2 (en) 2010-07-19 2014-01-21 Payme, Inc. Mobile system and method for payments and non-financial transactions
US20120028609A1 (en) 2010-07-27 2012-02-02 John Hruska Secure financial transaction system using a registered mobile device
US9342832B2 (en) 2010-08-12 2016-05-17 Visa International Service Association Securing external systems with account token substitution
CN101938520B (zh) 2010-09-07 2015-01-28 中兴通讯股份有限公司 一种基于移动终端签名的远程支付***及方法
US20120066078A1 (en) 2010-09-10 2012-03-15 Bank Of America Corporation Overage service using overage passcode
US8898086B2 (en) 2010-09-27 2014-11-25 Fidelity National Information Services Systems and methods for transmitting financial account information
US20120095852A1 (en) 2010-10-15 2012-04-19 John Bauer Method and system for electronic wallet access
US9558481B2 (en) 2010-09-28 2017-01-31 Barclays Bank Plc Secure account provisioning
US20120095865A1 (en) 2010-10-15 2012-04-19 Ezpayy, Inc. System And Method For Mobile Electronic Purchasing
US10176477B2 (en) 2010-11-16 2019-01-08 Mastercard International Incorporated Methods and systems for universal payment account translation
US8577336B2 (en) 2010-11-18 2013-11-05 Mobilesphere Holdings LLC System and method for transaction authentication using a mobile communication device
WO2012073014A1 (en) 2010-11-29 2012-06-07 Mobay Technologies Limited A system for verifying electronic transactions
US9141945B2 (en) 2010-12-02 2015-09-22 Appmobi Iplc, Inc. Secure distributed single action payment system
US20120143754A1 (en) 2010-12-03 2012-06-07 Narendra Patel Enhanced credit card security apparatus and method
US8762284B2 (en) 2010-12-16 2014-06-24 Democracyontheweb, Llc Systems and methods for facilitating secure transactions
US8646059B1 (en) 2010-12-17 2014-02-04 Google Inc. Wallet application for interacting with a secure element application without a trusted server for authentication
WO2012085675A2 (en) 2010-12-20 2012-06-28 Eram Antonio Claudiu System, method and apparatus for mobile payments enablement and order fulfillment
US20120173431A1 (en) 2010-12-30 2012-07-05 First Data Corporation Systems and methods for using a token as a payment in a transaction
US20120185386A1 (en) 2011-01-18 2012-07-19 Bank Of America Authentication tool
WO2012098555A1 (en) 2011-01-20 2012-07-26 Google Inc. Direct carrier billing
US8725644B2 (en) 2011-01-28 2014-05-13 The Active Network, Inc. Secure online transaction processing
US20120203666A1 (en) 2011-02-09 2012-08-09 Tycoon Unlimited, Inc. Contactless wireless transaction processing system
US20120203664A1 (en) 2011-02-09 2012-08-09 Tycoon Unlimited, Inc. Contactless wireless transaction processing system
US8751381B2 (en) 2011-02-23 2014-06-10 Mastercard International Incorporated Demand deposit account payment system
US9773212B2 (en) 2011-02-28 2017-09-26 Visa International Service Association Secure anonymous transaction apparatuses, methods and systems
WO2012122049A2 (en) 2011-03-04 2012-09-13 Visa International Service Association Integration of payment capability into secure elements of computers
US20120233004A1 (en) 2011-03-11 2012-09-13 James Bercaw System for mobile electronic commerce
US20120231844A1 (en) 2011-03-11 2012-09-13 Apriva, Llc System and device for facilitating a transaction by consolidating sim, personal token, and associated applications for electronic wallet transactions
US20120246071A1 (en) 2011-03-21 2012-09-27 Nikhil Jain System and method for presentment of nonconfidential transaction token identifier
AU2012201745B2 (en) 2011-03-24 2014-11-13 Visa International Service Association Authentication using application authentication element
WO2012142045A2 (en) 2011-04-11 2012-10-18 Visa International Service Association Multiple tokenization for authentication
US9256874B2 (en) 2011-04-15 2016-02-09 Shift4 Corporation Method and system for enabling merchants to share tokens
US8688589B2 (en) 2011-04-15 2014-04-01 Shift4 Corporation Method and system for utilizing authorization factor pools
US9818111B2 (en) 2011-04-15 2017-11-14 Shift4 Corporation Merchant-based token sharing
EP2697756A4 (en) 2011-04-15 2014-09-10 Shift4 Corp METHOD AND SYSTEM FOR ENABLING THE JOINT USE OF TOKENS BY DEALERS
US20120271770A1 (en) 2011-04-20 2012-10-25 Visa International Service Association Managing electronic tokens in a transaction processing system
US20130110658A1 (en) 2011-05-05 2013-05-02 Transaction Network Services, Inc. Systems and methods for enabling mobile payments
US20130204793A1 (en) 2011-05-17 2013-08-08 Kevin S. Kerridge Smart communication device secured electronic payment system
US9106632B2 (en) 2011-05-26 2015-08-11 First Data Corporation Provisioning by delivered items
US8943574B2 (en) 2011-05-27 2015-01-27 Vantiv, Llc Tokenizing sensitive data
US10395256B2 (en) 2011-06-02 2019-08-27 Visa International Service Association Reputation management in a transaction processing system
SG195079A1 (en) 2011-06-03 2013-12-30 Visa Int Service Ass Virtual wallet card selection apparatuses, methods and systems
US8538845B2 (en) 2011-06-03 2013-09-17 Mozido, Llc Monetary transaction system
AU2012363110A1 (en) 2011-06-07 2013-12-12 Visa International Service Association Payment Privacy Tokenization apparatuses, methods and systems
US10318932B2 (en) 2011-06-07 2019-06-11 Entit Software Llc Payment card processing system with structure preserving encryption
WO2012167941A1 (en) 2011-06-09 2012-12-13 Gemalto Sa Method to validate a transaction between a user and a service provider
US9355393B2 (en) 2011-08-18 2016-05-31 Visa International Service Association Multi-directional wallet connector apparatuses, methods and systems
US9639828B2 (en) 2011-07-15 2017-05-02 Visa International Service Association Method and system for hosted order page/silent order post plus fraud detection
WO2013019567A2 (en) 2011-07-29 2013-02-07 Visa International Service Association Passing payment tokens through an hop/sop
US20130054337A1 (en) 2011-08-22 2013-02-28 American Express Travel Related Services Company, Inc. Methods and systems for contactless payments for online ecommerce checkout
US20130218769A1 (en) 2011-08-23 2013-08-22 Stacy Pourfallah Mobile Funding Method and System
WO2013028901A2 (en) 2011-08-23 2013-02-28 Visa International Service Association Authentication process for value transfer machine
CA3012991A1 (en) 2011-08-30 2013-03-07 C. Doug Yeager Systems and methods for authorizing a transaction with an unexpected cryptogram
US20130339253A1 (en) 2011-08-31 2013-12-19 Dan Moshe Sincai Mobile Device Based Financial Transaction System
US8171525B1 (en) 2011-09-15 2012-05-01 Google Inc. Enabling users to select between secure service providers using a central trusted service manager
US8838982B2 (en) 2011-09-21 2014-09-16 Visa International Service Association Systems and methods to secure user identification
US8453223B2 (en) 2011-09-23 2013-05-28 Jerome Svigals Method, device and system for secure transactions
US20140310113A1 (en) 2011-10-01 2014-10-16 Uttam Sengupta Cloud based credit card emulation
WO2013056104A1 (en) 2011-10-12 2013-04-18 C-Sam, Inc. A multi-tiered secure mobile transactions enabling platform
US9229964B2 (en) 2011-10-27 2016-01-05 Visa International Business Machines Corporation Database cloning and migration for quality assurance
US9830596B2 (en) 2011-11-01 2017-11-28 Stripe, Inc. Method for conducting a transaction between a merchant site and a customer's electronic device without exposing payment information to a server-side application of the merchant site
CN103975554B (zh) 2011-11-01 2017-02-22 谷歌公司 用于管理安全元件的***、方法和设备
US20160140566A1 (en) 2011-11-13 2016-05-19 Google Inc. Secure transmission of payment credentials
US20130124364A1 (en) 2011-11-13 2013-05-16 Millind Mittal System and method of electronic payment using payee provided transaction identification codes
US9348896B2 (en) 2011-12-05 2016-05-24 Visa International Service Association Dynamic network analytics system
US8656180B2 (en) 2011-12-06 2014-02-18 Wwpass Corporation Token activation
US8555079B2 (en) 2011-12-06 2013-10-08 Wwpass Corporation Token management
US8972719B2 (en) 2011-12-06 2015-03-03 Wwpass Corporation Passcode restoration
US20130159178A1 (en) 2011-12-14 2013-06-20 Firethorn Mobile, Inc. System and Method For Loading A Virtual Token Managed By A Mobile Wallet System
US20130159184A1 (en) 2011-12-15 2013-06-20 Visa International Service Association System and method of using load network to associate product or service with a consumer token
US20140040139A1 (en) 2011-12-19 2014-02-06 Sequent Software, Inc. System and method for dynamic temporary payment authorization in a portable communication device
US9053481B2 (en) 2011-12-21 2015-06-09 Mastercard International Incorporated Methods and systems for providing a payment account with adaptive interchange
US9077769B2 (en) 2011-12-29 2015-07-07 Blackberry Limited Communications system providing enhanced trusted service manager (TSM) verification features and related methods
US20130254117A1 (en) 2011-12-30 2013-09-26 Clay W. von Mueller Secured transaction system and method
WO2013103991A1 (en) 2012-01-05 2013-07-11 Visa International Service Association Data protection with translation
US8566168B1 (en) 2012-01-05 2013-10-22 Sprint Communications Company L.P. Electronic payment using a proxy account number stored in a secure element
WO2013110084A1 (en) 2012-01-19 2013-07-25 Mastercard International Incorporated System and method to enable a network of digital wallets
WO2013113004A1 (en) 2012-01-26 2013-08-01 Visa International Service Association System and method of providing tokenization as a service
US10643191B2 (en) 2012-01-27 2020-05-05 Visa International Service Association Mobile services remote deposit capture
US8595850B2 (en) 2012-01-30 2013-11-26 Voltage Security, Inc. System for protecting sensitive data with distributed tokenization
EP2624190A1 (en) 2012-02-03 2013-08-07 Pieter Dubois Authentication of payment transactions using an alias
WO2013116726A1 (en) 2012-02-03 2013-08-08 Ebay Inc. Adding card to mobile wallet using nfc
US8893250B2 (en) 2012-02-10 2014-11-18 Protegrity Corporation Tokenization in mobile environments
US20130212017A1 (en) 2012-02-14 2013-08-15 N.B. Development Services Inc. Transaction system and method of conducting a transaction
US20130226813A1 (en) 2012-02-23 2013-08-29 Robert Matthew Voltz Cyberspace Identification Trust Authority (CITA) System and Method
WO2013138528A1 (en) 2012-03-14 2013-09-19 Visa International Service Association Point-of-transaction account feature redirection apparatuses, methods and systems
US20130246267A1 (en) 2012-03-15 2013-09-19 Ebay Inc. Systems, Methods, and Computer Program Products for Using Proxy Accounts
US9092776B2 (en) 2012-03-15 2015-07-28 Qualcomm Incorporated System and method for managing payment in transactions with a PCD
US9105021B2 (en) 2012-03-15 2015-08-11 Ebay, Inc. Systems, methods, and computer program products for using proxy accounts
US20130246259A1 (en) 2012-03-15 2013-09-19 Firethorn Mobile, Inc. System and method for managing payment in transactions with a pcd
US20130254102A1 (en) 2012-03-20 2013-09-26 First Data Corporation Systems and Methods for Distributing Tokenization and De-Tokenization Services
US9818098B2 (en) 2012-03-20 2017-11-14 First Data Corporation Systems and methods for facilitating payments via a peer-to-peer protocol
US20130254028A1 (en) 2012-03-22 2013-09-26 Corbuss Kurumsal Telekom Hizmetleri A.S. System and method for conducting mobile commerce
US20130262315A1 (en) 2012-03-30 2013-10-03 John Hruska System for Secure Purchases Made by Scanning Barcode Using a Registered Mobile Phone Application Linked to a Consumer-Merchant Closed Loop Financial Proxy Account System
WO2013151807A1 (en) 2012-04-02 2013-10-10 Jvl Ventures, Llc Systems, methods, and computer program products for provisioning payment accounts into mobile wallets and managing events
US10515359B2 (en) 2012-04-02 2019-12-24 Mastercard International Incorporated Systems and methods for processing mobile payments by provisioning credentials to mobile devices without secure elements
PL2836971T3 (pl) 2012-04-13 2018-05-30 Mastercard International Inc Systemy, sposoby i nośniki odczytywalne komputerowo do przeprowadzania transakcji z użyciem danych uwierzytelniających opartych na chmurze
CA2909081C (en) * 2012-04-16 2022-05-10 Salt Technology Inc. Systems and methods for facilitating a transaction using a virtual card on a mobile device
CA2869208C (en) 2012-04-18 2015-11-17 Google, Inc. Processing payment transactions without a secure element
US20130282588A1 (en) 2012-04-22 2013-10-24 John Hruska Consumer, Merchant and Mobile Device Specific, Real-Time Dynamic Tokenization Activation within a Secure Mobile-Wallet Financial Transaction System
WO2013166501A1 (en) 2012-05-04 2013-11-07 Visa International Service Association System and method for local data conversion
US10275764B2 (en) 2012-05-04 2019-04-30 Mastercard International Incorporated Transaction data tokenization
US9521548B2 (en) 2012-05-21 2016-12-13 Nexiden, Inc. Secure registration of a mobile device for use with a session
US20130311382A1 (en) 2012-05-21 2013-11-21 Klaus S. Fosmark Obtaining information for a payment transaction
WO2013179271A2 (en) 2012-06-01 2013-12-05 Mani Venkatachalam Sthanu Subra Method and system for human assisted secure payment by phone to an insecure third-party service provider
US9524501B2 (en) 2012-06-06 2016-12-20 Visa International Service Association Method and system for correlating diverse transaction data
US20130346305A1 (en) 2012-06-26 2013-12-26 Carta Worldwide Inc. Mobile wallet payment processing
US20140007213A1 (en) 2012-06-29 2014-01-02 Wepay, Inc. Systems and methods for push notification based application authentication and authorization
US9059972B2 (en) 2012-07-03 2015-06-16 International Business Machines Corporation Issuing, presenting and challenging mobile device identification documents
US9547769B2 (en) 2012-07-03 2017-01-17 Visa International Service Association Data protection hub
US20140025581A1 (en) 2012-07-19 2014-01-23 Bank Of America Corporation Mobile transactions using authorized tokens
US9043609B2 (en) 2012-07-19 2015-05-26 Bank Of America Corporation Implementing security measures for authorized tokens used in mobile transactions
US20140025585A1 (en) 2012-07-19 2014-01-23 Bank Of America Corporation Distributing authorized tokens to conduct mobile transactions
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
US10339524B2 (en) 2012-07-31 2019-07-02 Worldpay, Llc Systems and methods for multi-merchant tokenization
US10346838B2 (en) 2012-07-31 2019-07-09 Worldpay, Llc Systems and methods for distributed enhanced payment processing
US10152711B2 (en) 2012-07-31 2018-12-11 Worldpay, Llc Systems and methods for arbitraged enhanced payment processing
TR201810238T4 (tr) 2012-08-03 2018-08-27 Onespan Int Gmbh Bir mobil kimlik doğrulama uygulaması kullanarak kullanıcıya uygun kimlik doğrulama yöntemi ve aparatı.
US20140046843A1 (en) * 2012-08-07 2014-02-13 Mastercard International, Inc. Leverage Transaction Card Acceptor Name for Cardholder Communication
US9665722B2 (en) 2012-08-10 2017-05-30 Visa International Service Association Privacy firewall
US20140052532A1 (en) 2012-08-17 2014-02-20 Google Inc. Portable device wireless reader and payment transaction terminal functionality with other portable devices
US20140068706A1 (en) 2012-08-28 2014-03-06 Selim Aissi Protecting Assets on a Device
US10192216B2 (en) 2012-09-11 2019-01-29 Visa International Service Association Cloud-based virtual wallet NFC apparatuses, methods and systems
US9390412B2 (en) 2012-10-16 2016-07-12 Visa International Service Association Dynamic point of sale system integrated with reader device
US10176478B2 (en) 2012-10-23 2019-01-08 Visa International Service Association Transaction initiation determination system utilizing transaction data elements
US9911118B2 (en) 2012-11-21 2018-03-06 Visa International Service Association Device pairing via trusted intermediary
US20140164243A1 (en) 2012-12-07 2014-06-12 Christian Aabye Dynamic Account Identifier With Return Real Account Identifier
US9741051B2 (en) 2013-01-02 2017-08-22 Visa International Service Association Tokenization and third-party interaction
US20140324690A1 (en) 2013-01-11 2014-10-30 American Express Travel Related Services Company, Inc. System and method for a single digital wallet dynamic checkout tool
US20150363781A1 (en) 2013-02-26 2015-12-17 Visa International Service Association Methods and systems for providing payment credentials
US9249241B2 (en) 2013-03-27 2016-02-02 Ut-Battelle, Llc Surface-functionalized mesoporous carbon materials
AU2014246711A1 (en) 2013-04-04 2015-10-29 Visa International Service Association Method and system for conducting pre-authorized financial transactions
US20140310183A1 (en) 2013-04-15 2014-10-16 Lance Weber Embedded acceptance system
US20140331265A1 (en) 2013-05-01 2014-11-06 Microsoft Corporation Integrated interactive television entertainment system
US11055710B2 (en) 2013-05-02 2021-07-06 Visa International Service Association Systems and methods for verifying and processing transactions using virtual currency
US20140330722A1 (en) 2013-05-02 2014-11-06 Prasanna Laxminarayanan System and method for using an account sequence identifier
US9760886B2 (en) 2013-05-10 2017-09-12 Visa International Service Association Device provisioning using partial personalization scripts
US9978062B2 (en) 2013-05-15 2018-05-22 Visa International Service Association Mobile tokenization hub
US10878422B2 (en) 2013-06-17 2020-12-29 Visa International Service Association System and method using merchant token
CN105580036A (zh) 2013-07-02 2016-05-11 维萨国际服务协会 包括用于供支付卡接受终端使用的用户接口的支付卡
EP3022700B1 (en) 2013-07-15 2023-11-01 Visa International Service Association Secure remote payment transaction processing
SG11201600427RA (en) 2013-07-24 2016-02-26 Visa Int Service Ass Systems and methods for interoperable network token processing
US10496986B2 (en) 2013-08-08 2019-12-03 Visa International Service Association Multi-network tokenization processing
WO2015021420A1 (en) 2013-08-08 2015-02-12 Visa International Service Association Methods and systems for provisioning mobile devices with payment credentials
KR102222230B1 (ko) 2013-08-15 2021-03-05 비자 인터네셔널 서비스 어소시에이션 보안 요소를 이용한 보안 원격 지불 거래 처리
US10037082B2 (en) 2013-09-17 2018-07-31 Paypal, Inc. Physical interaction dependent transactions
US10817875B2 (en) 2013-09-20 2020-10-27 Visa International Service Association Secure remote payment transaction processing including consumer authentication
EP3078156A4 (en) 2013-10-11 2017-07-12 Visa International Service Association Network token system
US9978094B2 (en) 2013-10-11 2018-05-22 Visa International Service Association Tokenization revocation list
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
US10366387B2 (en) 2013-10-29 2019-07-30 Visa International Service Association Digital wallet system and method
US20150127529A1 (en) 2013-11-05 2015-05-07 Oleg Makhotin Methods and systems for mobile payment application selection and management using an application linker
US20150142673A1 (en) 2013-11-18 2015-05-21 Mark Nelsen Methods and systems for token request management
US9516487B2 (en) 2013-11-19 2016-12-06 Visa International Service Association Automated account provisioning
US20150161597A1 (en) 2013-12-09 2015-06-11 Kaushik Subramanian Transactions using temporary credential data
CN105830107A (zh) 2013-12-19 2016-08-03 维萨国际服务协会 基于云的交易方法和***
US9922322B2 (en) 2013-12-19 2018-03-20 Visa International Service Association Cloud-based transactions with magnetic secure transmission
US10445718B2 (en) 2013-12-27 2019-10-15 Visa International Service Association Processing a transaction using multiple application identifiers
US10108409B2 (en) 2014-01-03 2018-10-23 Visa International Service Association Systems and methods for updatable applets
US10433128B2 (en) 2014-01-07 2019-10-01 Visa International Service Association Methods and systems for provisioning multiple devices
US20150199679A1 (en) 2014-01-13 2015-07-16 Karthikeyan Palanisamy Multiple token provisioning
US9846878B2 (en) 2014-01-14 2017-12-19 Visa International Service Association Payment account identifier system
AU2015214271B2 (en) 2014-02-04 2019-06-27 Visa International Service Association Token verification using limited use certificates
AU2015231418A1 (en) 2014-03-18 2016-09-29 Visa International Service Association Systems and methods for locally derived tokens
US20150278799A1 (en) 2014-03-27 2015-10-01 Karthikeyan Palanisamy System incorporating wireless share process
US10026087B2 (en) 2014-04-08 2018-07-17 Visa International Service Association Data passed in an interaction
US9942043B2 (en) 2014-04-23 2018-04-10 Visa International Service Association Token security on a communication device
AU2015253182B2 (en) 2014-05-01 2019-02-14 Visa International Service Association Data verification using access device
WO2015171625A1 (en) 2014-05-05 2015-11-12 Visa International Service Association System and method for token domain control
US10706380B2 (en) 2014-05-08 2020-07-07 Visa International Service Association Split shipment processing
US10592899B2 (en) 2014-05-13 2020-03-17 Visa International Service Association Master applet for secure remote payment processing
US11023890B2 (en) 2014-06-05 2021-06-01 Visa International Service Association Identification and verification for provisioning mobile application
US9780953B2 (en) 2014-07-23 2017-10-03 Visa International Service Association Systems and methods for secure detokenization
US10484345B2 (en) 2014-07-31 2019-11-19 Visa International Service Association System and method for identity verification across mobile applications
US9779345B2 (en) 2014-08-11 2017-10-03 Visa International Service Association Mobile device with scannable image including dynamic data
US9775029B2 (en) 2014-08-22 2017-09-26 Visa International Service Association Embedding cloud-based functionalities in a communication device
RU2710897C2 (ru) 2014-08-29 2020-01-14 Виза Интернэшнл Сервис Ассосиэйшн Способы безопасного генерирования криптограмм
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
AU2015329722A1 (en) 2014-10-10 2017-04-13 Visa International Service Association Methods and systems for partial personalization during mobile application update
US10015147B2 (en) 2014-10-22 2018-07-03 Visa International Service Association Token enrollment system and method
US10325261B2 (en) 2014-11-25 2019-06-18 Visa International Service Association Systems communications with non-sensitive identifiers
CA2964791A1 (en) 2014-11-26 2016-06-02 Visa International Service Association Tokenization request via access device
SG11201703526VA (en) 2014-12-12 2017-05-30 Visa Int Service Ass Provisioning platform for machine-to-machine devices
US10257185B2 (en) 2014-12-12 2019-04-09 Visa International Service Association Automated access data provisioning
US10096009B2 (en) 2015-01-20 2018-10-09 Visa International Service Association Secure payment processing using authorization request
US20160217461A1 (en) 2015-01-23 2016-07-28 Ajit Gaddam Transaction utilizing anonymized user data
BR112017014632B1 (pt) 2015-01-27 2023-12-26 Visa International Service Association Método implementado por computador, sistema de computador, e, mídia legível de computador
US11250391B2 (en) 2015-01-30 2022-02-15 Visa International Service Association Token check offline
US10977657B2 (en) 2015-02-09 2021-04-13 Visa International Service Association Token processing utilizing multiple authorizations
AU2016219306A1 (en) 2015-02-13 2017-06-29 Visa International Service Association Peer forward authorization of digital requests
US11068895B2 (en) 2015-02-17 2021-07-20 Visa International Service Association Token and cryptogram using transaction specific information
US10164996B2 (en) 2015-03-12 2018-12-25 Visa International Service Association Methods and systems for providing a low value token buffer
US9998978B2 (en) 2015-04-16 2018-06-12 Visa International Service Association Systems and methods for processing dormant virtual access devices
US10713660B2 (en) 2015-09-15 2020-07-14 Visa International Service Association Authorization of credential on file transactions
SG10202007121XA (en) 2015-10-15 2020-09-29 Visa Int Service Ass Instant token issuance system
AU2016361406A1 (en) 2015-11-23 2018-04-19 Visa International Service Association System and method of providing supplemental information in a transaction
US11449863B2 (en) 2016-04-11 2022-09-20 Visa International Service Association Expedited E-commerce tokenization
CA3003917A1 (en) 2015-12-04 2017-06-08 Visa International Service Association Unique code for token verification
SG11201803192WA (en) 2015-12-04 2018-05-30 Visa Int Service Ass Secure token distribution
CN108476227B (zh) 2016-01-07 2021-04-20 维萨国际服务协会 用于设备推送供应的***和方法
CA3008688A1 (en) 2016-02-01 2017-08-10 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
WO2017139772A1 (en) 2016-02-12 2017-08-17 Visa International Service Association Authentication systems and methods using location matching
US10313321B2 (en) 2016-04-07 2019-06-04 Visa International Service Association Tokenization of co-network accounts
CN115187242A (zh) 2016-06-24 2022-10-14 维萨国际服务协会 唯一令牌认证验证值
US10509779B2 (en) 2016-09-14 2019-12-17 Visa International Service Association Self-cleaning token vault
WO2018170404A1 (en) 2017-03-16 2018-09-20 Jpmorgan Chase Bank, N.A. Systems and methods for supporting legacy and tokenized e-commerce
US10915899B2 (en) 2017-03-17 2021-02-09 Visa International Service Association Replacing token on a multi-token user device
US20180285875A1 (en) 2017-03-31 2018-10-04 Simon Law Static token systems and methods for representing dynamic real credentials
US10902418B2 (en) 2017-05-02 2021-01-26 Visa International Service Association System and method using interaction token
US10491389B2 (en) 2017-07-14 2019-11-26 Visa International Service Association Token provisioning utilizing a secure authentication system

Also Published As

Publication number Publication date
US20190220855A1 (en) 2019-07-18
KR101379710B1 (ko) 2014-03-31
JP2013050968A (ja) 2013-03-14
JP2009507308A (ja) 2009-02-19
US20230196350A1 (en) 2023-06-22
US8762263B2 (en) 2014-06-24
WO2007030480A3 (en) 2007-06-21
US20140258113A1 (en) 2014-09-11
BRPI0615665B1 (pt) 2019-03-19
BRPI0615665A2 (pt) 2011-05-24
JP5519754B2 (ja) 2014-06-11
BRPI0615665A8 (pt) 2019-01-15
KR20080050467A (ko) 2008-06-05
US10289999B2 (en) 2019-05-14
CA2621358C (en) 2017-02-28
WO2007030480A2 (en) 2007-03-15
US11605074B2 (en) 2023-03-14
US20070055630A1 (en) 2007-03-08
RU2419872C2 (ru) 2011-05-27
CA2621358A1 (en) 2007-03-15
US10922686B2 (en) 2021-02-16
US20210133733A1 (en) 2021-05-06
AU2006287606A1 (en) 2007-03-15
AU2006287606B2 (en) 2011-06-09
JP5199095B2 (ja) 2013-05-15
US20140249945A1 (en) 2014-09-04

Similar Documents

Publication Publication Date Title
RU2008113214A (ru) Система и способ использования защищенных номеров счетов в устройствах бесконтактного действия
US12002037B2 (en) Consumer authentication system and method
US20210383381A1 (en) Online authentication in access transactions
RU2530696C2 (ru) Мобильное устройство, способ и система для выполнения платежных операций
CN203299885U (zh) 用于交易的***和移动设备
US8469277B2 (en) Methods, systems and computer program products for wireless payment transactions
US20030225623A1 (en) Method and system for conducting transactions using a payment card with account information encoded in bar code
US9519900B2 (en) Secure two party matching transaction system
US20130041823A1 (en) Payment Card with Integrated Chip
CN107430731A (zh) 多设备交易验证
CN110169035A (zh) 具有协议特性的绑定密码
CA2946150A1 (en) Data verification using access device
KR20170079155A (ko) 가상 화폐 결제 처리 방법 및 그를 수행하기 위한 카드 결제 단말기
CN113015992B (zh) 多个令牌的云令牌预配
JP2014513825A5 (ru)
US20220207530A1 (en) Dynamic application selection based on contextual data
US20170323287A1 (en) System and method for providing payment service
KR20120075578A (ko) 이동 단말기를 이용한 신용 결제 방법 및 장치와 그 시스템
CN116261738A (zh) 虚拟终端
RU2461065C2 (ru) Система и способ определения подлинности потребителя
KR101339016B1 (ko) 보안코드를 저장하고 있는 금융카드를 이용한 금융거래 시스템 및 그 방법
US11494756B2 (en) Payment transactions with integrated point of sale terminals
KR101720873B1 (ko) 오티피카드를 이용한 오프라인 결제 방법
WO2023043589A1 (en) Multiple interaction processing
CN117043801A (zh) 包括交互请求的数字标签