BRPI1007501A2 - método para autenticar com segurança um usuário, meio legível por computador, dispositivo de acesso, e, computador servidor. - Google Patents
método para autenticar com segurança um usuário, meio legível por computador, dispositivo de acesso, e, computador servidor.Info
- Publication number
- BRPI1007501A2 BRPI1007501A2 BRPI1007501A BRPI1007501A BRPI1007501A2 BR PI1007501 A2 BRPI1007501 A2 BR PI1007501A2 BR PI1007501 A BRPI1007501 A BR PI1007501A BR PI1007501 A BRPI1007501 A BR PI1007501A BR PI1007501 A2 BRPI1007501 A2 BR PI1007501A2
- Authority
- BR
- Brazil
- Prior art keywords
- user
- readable medium
- access device
- computer readable
- server computer
- Prior art date
Links
Classifications
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
- H04L9/32—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
- H04L9/3226—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials using a predetermined code, e.g. password, passphrase or PIN
-
- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/20—Point-of-sale [POS] network systems
-
- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3278—RFID or NFC payments by means of M-devices
-
- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
-
- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3825—Use of electronic signatures
-
- G—PHYSICS
- G06—COMPUTING OR CALCULATING; 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
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L63/00—Network architectures or network communication protocols for network security
- H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
- H04L63/083—Network architectures or network communication protocols for network security for authentication of entities using passwords
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L63/00—Network architectures or network communication protocols for network security
- H04L63/12—Applying verification of the received information
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
- H04L9/32—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
- H04L9/3236—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials using cryptographic hash functions
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L2209/00—Additional information or applications relating to cryptographic mechanisms or cryptographic arrangements for secret or secure communication H04L9/00
- H04L2209/56—Financial cryptography, e.g. electronic payment or e-cash
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L2209/00—Additional information or applications relating to cryptographic mechanisms or cryptographic arrangements for secret or secure communication H04L9/00
- H04L2209/80—Wireless
- H04L2209/805—Lightweight hardware, e.g. radio-frequency identification [RFID] or sensor
Landscapes
- Engineering & Computer Science (AREA)
- Business, Economics & Management (AREA)
- Computer Security & Cryptography (AREA)
- Accounting & Taxation (AREA)
- Theoretical Computer Science (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Strategic Management (AREA)
- Computer Networks & Wireless Communication (AREA)
- Signal Processing (AREA)
- Finance (AREA)
- Computer Hardware Design (AREA)
- Computing Systems (AREA)
- General Engineering & Computer Science (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Cash Registers Or Receiving Machines (AREA)
- Storage Device Security (AREA)
- Computer And Data Communications (AREA)
Applications Claiming Priority (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| US12/354,242 US8826397B2 (en) | 2009-01-15 | 2009-01-15 | Secure remote authentication through an untrusted network |
| PCT/US2010/020935 WO2010083243A2 (en) | 2009-01-15 | 2010-01-13 | Secure remote authentication through an untrusted network |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| BRPI1007501A2 true BRPI1007501A2 (pt) | 2016-02-16 |
Family
ID=42319976
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| BRPI1007501A BRPI1007501A2 (pt) | 2009-01-15 | 2010-01-13 | método para autenticar com segurança um usuário, meio legível por computador, dispositivo de acesso, e, computador servidor. |
Country Status (6)
| Country | Link |
|---|---|
| US (2) | US8826397B2 (pt) |
| EP (2) | EP2380308B1 (pt) |
| AU (1) | AU2010204732B2 (pt) |
| BR (1) | BRPI1007501A2 (pt) |
| CA (1) | CA2749733A1 (pt) |
| WO (1) | WO2010083243A2 (pt) |
Families Citing this family (20)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US6163155A (en) * | 1999-01-28 | 2000-12-19 | Dresser Industries, Inc. | Electromagnetic wave resistivity tool having a tilted antenna for determining the horizontal and vertical resistivities and relative dip angle in anisotropic earth formations |
| US8924308B1 (en) | 2007-07-18 | 2014-12-30 | Playspan, Inc. | Apparatus and method for secure fulfillment of transactions involving virtual items |
| US8826397B2 (en) * | 2009-01-15 | 2014-09-02 | Visa International Service Association | Secure remote authentication through an untrusted network |
| US9027092B2 (en) * | 2009-10-23 | 2015-05-05 | Novell, Inc. | Techniques for securing data access |
| CN101931533B (zh) * | 2010-08-23 | 2014-09-10 | 中兴通讯股份有限公司 | 认证方法、装置和系统 |
| US20130041909A1 (en) * | 2011-04-08 | 2013-02-14 | Alan Coleman | Method and system for dynamic identity validation |
| US20140068270A1 (en) * | 2011-05-20 | 2014-03-06 | Gurudatt Shenoy | Systems And Methods For Device Based Secure Access Control Using Encryption |
| US8850575B1 (en) * | 2011-12-30 | 2014-09-30 | Emc Corporation | Geolocation error tracking in transaction processing |
| US9092776B2 (en) | 2012-03-15 | 2015-07-28 | Qualcomm Incorporated | System and method for managing payment in transactions with a PCD |
| CN103379491A (zh) * | 2012-04-12 | 2013-10-30 | 中兴通讯股份有限公司 | 用于密码验证的用户终端、密码交易终端、系统和方法 |
| US10223694B2 (en) | 2013-09-10 | 2019-03-05 | Visa International Service Association | Mobile payment application provisioning and personalization on a mobile device |
| US9361775B2 (en) * | 2013-09-25 | 2016-06-07 | Oncam Global, Inc. | Mobile terminal security systems |
| US9690924B2 (en) * | 2014-05-15 | 2017-06-27 | Microsoft Technology Licensing, Llc | Transparent two-factor authentication via mobile communication device |
| US9935940B1 (en) * | 2014-09-09 | 2018-04-03 | Amazon Technologies, Inc. | Password security |
| US10541996B1 (en) * | 2015-06-15 | 2020-01-21 | National Technology & Engineering Solutions Of Sandia, Llc | Methods and systems for authenticating identity |
| US10817593B1 (en) * | 2015-12-29 | 2020-10-27 | Wells Fargo Bank, N.A. | User information gathering and distribution system |
| US11496462B2 (en) * | 2017-11-29 | 2022-11-08 | Jpmorgan Chase Bank, N.A. | Secure multifactor authentication with push authentication |
| US11432149B1 (en) | 2019-10-10 | 2022-08-30 | Wells Fargo Bank, N.A. | Self-sovereign identification via digital credentials for selected identity attributes |
| US12013927B2 (en) * | 2022-03-23 | 2024-06-18 | Bank Of America Corporation | System and method for generating and monitoring dynamic identifiers for data processing security |
| US12536304B2 (en) * | 2022-09-26 | 2026-01-27 | Capital One Services, Llc | Portable verification context |
Family Cites Families (40)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US5666415A (en) * | 1995-07-28 | 1997-09-09 | Digital Equipment Corporation | Method and apparatus for cryptographic authentication |
| US5768526A (en) | 1996-03-08 | 1998-06-16 | Glenayre Electronics, Inc. | Method and apparatus for validating data packets in a paging system |
| US6567794B1 (en) * | 1997-06-13 | 2003-05-20 | Pitney Bowes Inc. | Method for access control in a virtual postage metering system |
| US6081508A (en) * | 1998-02-25 | 2000-06-27 | Indus River Networks, Inc. | Remote computer communication |
| KR100310093B1 (ko) * | 1998-07-15 | 2001-11-15 | 윤종용 | 패스워드를 이용한 개인용 컴퓨터의 보안방법 |
| SE525418C2 (sv) * | 2000-03-19 | 2005-02-15 | Efb Energifoerbaettringar Ab | Betalningssystem |
| US7827102B2 (en) | 2000-04-21 | 2010-11-02 | Microsoft Corporation | System and method for secure distribution of information via email |
| US7827115B2 (en) * | 2000-04-24 | 2010-11-02 | Visa International Service Association | Online payer authentication service |
| DE10020562C1 (de) * | 2000-04-27 | 2001-07-26 | Deutsche Post Ag | Verfahren zum Beheben eines in einer Datenverarbeitungseinheit auftretenden Fehlers |
| US10521782B2 (en) * | 2000-05-15 | 2019-12-31 | Efunds Corporation | System for and method of effecting an electronic transaction |
| US7870599B2 (en) * | 2000-09-05 | 2011-01-11 | Netlabs.Com, Inc. | Multichannel device utilizing a centralized out-of-band authentication system (COBAS) |
| US6823453B1 (en) * | 2000-10-06 | 2004-11-23 | Hewlett-Packard Development Company, L.P. | Apparatus and method for implementing spoofing-and replay-attack-resistant virtual zones on storage area networks |
| JP2002140755A (ja) * | 2000-10-31 | 2002-05-17 | Yozan Inc | 商品取引装置,移動体通信装置及び管理装置 |
| US20030065919A1 (en) * | 2001-04-18 | 2003-04-03 | Albert Roy David | Method and system for identifying a replay attack by an access device to a computer system |
| US7469341B2 (en) * | 2001-04-18 | 2008-12-23 | Ipass Inc. | Method and system for associating a plurality of transaction data records generated in a service access system |
| US20060237528A1 (en) * | 2001-07-10 | 2006-10-26 | Fred Bishop | Systems and methods for non-traditional payment |
| US7195154B2 (en) * | 2001-09-21 | 2007-03-27 | Privasys, Inc. | Method for generating customer secure card numbers |
| WO2003065164A2 (en) * | 2002-01-30 | 2003-08-07 | Mastercard International Incorporated | System and method for conducting secure payment transaction |
| US7707120B2 (en) * | 2002-04-17 | 2010-04-27 | Visa International Service Association | Mobile account authentication service |
| AU2003252901A1 (en) * | 2002-04-18 | 2003-12-11 | Walker Digital, Llc | Method and Apparatus for Authenticating Data Relating to Usage of a Gaming Device |
| US7784684B2 (en) * | 2002-08-08 | 2010-08-31 | Fujitsu Limited | Wireless computer wallet for physical point of sale (POS) transactions |
| US7360694B2 (en) * | 2003-01-23 | 2008-04-22 | Mastercard International Incorporated | System and method for secure telephone and computer transactions using voice authentication |
| AU2004252882A1 (en) * | 2003-06-10 | 2005-01-06 | Mastercard International Incorporated | Systems and methods for conducting secure payment transactions using a formatted data structure |
| US7707418B2 (en) * | 2003-06-30 | 2010-04-27 | Panasonic Corporation | Communication system, communication method, base station apparatus, controller, device, and recording medium storing control program |
| US7509495B2 (en) * | 2003-07-10 | 2009-03-24 | Cinnober Financial Technology, Ab | Authentication protocol |
| US7357309B2 (en) * | 2004-01-16 | 2008-04-15 | Telefonaktiebolaget Lm Ericsson (Publ) | EMV transactions in mobile terminals |
| US7580857B2 (en) * | 2004-04-16 | 2009-08-25 | First Data Corporation | Methods and systems for online transaction processing |
| US20060212407A1 (en) * | 2005-03-17 | 2006-09-21 | Lyon Dennis B | User authentication and secure transaction system |
| US7603707B2 (en) * | 2005-06-30 | 2009-10-13 | Intel Corporation | Tamper-aware virtual TPM |
| US7681234B2 (en) * | 2005-06-30 | 2010-03-16 | Microsoft Corporation | Preventing phishing attacks |
| US20070143185A1 (en) * | 2005-12-12 | 2007-06-21 | Harmon Richard M | Systems and Methods for Allocating a Consumer Access Right to a Live Event |
| JP2007201861A (ja) * | 2006-01-27 | 2007-08-09 | Eastman Kodak Co | ファイル管理方法 |
| US7818264B2 (en) * | 2006-06-19 | 2010-10-19 | Visa U.S.A. Inc. | Track data encryption |
| US7552467B2 (en) * | 2006-04-24 | 2009-06-23 | Jeffrey Dean Lindsay | Security systems for protecting an asset |
| US7845003B2 (en) * | 2006-10-31 | 2010-11-30 | Novell, Inc. | Techniques for variable security access information |
| US10346837B2 (en) * | 2006-11-16 | 2019-07-09 | Visa U.S.A. Inc. | Adaptive authentication options |
| EP3575951A1 (en) * | 2007-04-17 | 2019-12-04 | Visa USA, Inc. | Method and system for authenticating a party to a transaction |
| US7930554B2 (en) * | 2007-05-31 | 2011-04-19 | Vasco Data Security,Inc. | Remote authentication and transaction signatures |
| US9589152B2 (en) * | 2007-09-19 | 2017-03-07 | Visa U.S.A. Inc. | System and method for sensitive data field hashing |
| US8826397B2 (en) * | 2009-01-15 | 2014-09-02 | Visa International Service Association | Secure remote authentication through an untrusted network |
-
2009
- 2009-01-15 US US12/354,242 patent/US8826397B2/en active Active
- 2009-01-16 US US12/355,458 patent/US8516560B2/en active Active
-
2010
- 2010-01-13 AU AU2010204732A patent/AU2010204732B2/en active Active
- 2010-01-13 WO PCT/US2010/020935 patent/WO2010083243A2/en not_active Ceased
- 2010-01-13 CA CA2749733A patent/CA2749733A1/en not_active Abandoned
- 2010-01-13 EP EP10732054.1A patent/EP2380308B1/en active Active
- 2010-01-13 BR BRPI1007501A patent/BRPI1007501A2/pt not_active Application Discontinuation
- 2010-01-13 EP EP17180335.6A patent/EP3267620B1/en active Active
Also Published As
| Publication number | Publication date |
|---|---|
| US20100180326A1 (en) | 2010-07-15 |
| CA2749733A1 (en) | 2010-07-22 |
| AU2010204732A1 (en) | 2011-08-11 |
| EP2380308B1 (en) | 2017-08-16 |
| US8516560B2 (en) | 2013-08-20 |
| WO2010083243A3 (en) | 2010-09-30 |
| EP2380308A2 (en) | 2011-10-26 |
| EP2380308A4 (en) | 2015-01-21 |
| EP3267620B1 (en) | 2019-03-27 |
| EP3267620A1 (en) | 2018-01-10 |
| US8826397B2 (en) | 2014-09-02 |
| US20100180327A1 (en) | 2010-07-15 |
| AU2010204732B2 (en) | 2014-10-02 |
| WO2010083243A2 (en) | 2010-07-22 |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| BRPI1007501A2 (pt) | método para autenticar com segurança um usuário, meio legível por computador, dispositivo de acesso, e, computador servidor. | |
| BRPI0911807A2 (pt) | meio legível por computador, computador servidor, método, e, dispositivo de acesso | |
| BRPI0921124A2 (pt) | sistema para autenticar um consumidor, método implementado por computador, meio legível por computador, e, computador servidor. | |
| BRPI1012891A2 (pt) | método, meio de armazenamento legível por computador, e, computador servidor. | |
| BRPI0818772A2 (pt) | Dispositivo, método, e, meio legível por computador. | |
| BRPI0917120A2 (pt) | método, e, meio legível por computador. | |
| BRPI1008645A2 (pt) | método, meio legível por computador, e, computador servidor | |
| BRPI0818769A2 (pt) | Método, meio legível por computador, computador servidor, e, telefone. | |
| BRPI0922309A2 (pt) | método, meio legível por computador, e, aparelho. | |
| BRPI1012793A2 (pt) | dispositivo de autenticação, método de autenticação de um serviço, e, mídia legível por computador. | |
| BRPI0908057A2 (pt) | Método, meio legível por computador, computador servidor, e, dispositivo portátil de consumidor | |
| BRPI0922278A2 (pt) | métodos de identificação de comentários, dispositivos e meio legível em computador | |
| BRPI0906086A2 (pt) | Método, sistemas e meio legível por computador. | |
| BRPI0922312A2 (pt) | método, e, meio legível por computador | |
| BRPI0823080A2 (pt) | Sistema para a utilização de uma interface de usuário baseada em gestos, método para a utilização de uma interface de usuário baseada em gestos e meio legível por computador | |
| BR112012003459A2 (pt) | "aparelho de processamento de informação, método para controlar um aparelho de processamento de informação, e, meio de armazenamento legível por computador." | |
| BR112012003386A2 (pt) | método para comunicação com um nó correspondente, e, nó hospedeiro. | |
| BRPI0822431A2 (pt) | Sistema de segurança de dados, método para segurança de dados e meio lido por computador armazenando software | |
| BRPI0919724A2 (pt) | unidade de processamento, e , meio legível por computador | |
| BRPI0811763A2 (pt) | Método para completar uma transação, meio legível por computador, servidor, e, telefone | |
| BRPI1013565A2 (pt) | método, meio legível por computador, e, aparelho de computador | |
| BRPI1012867A2 (pt) | metodo, meio legivel por computador, computador servidor, e, sistema | |
| BR112013004072A2 (pt) | aparelho, método e meio de armazenamento legível por computador | |
| BRPI0817475A2 (pt) | meio legível por computador. | |
| BRPI0816773A2 (pt) | Método, meio legível por computador, servidor, pluralidade de dispositivos de consumidor portáteis, computador servidor, e, aparelho |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| B06F | Objections, documents and/or translations needed after an examination request according [chapter 6.6 patent gazette] | ||
| B06U | Preliminary requirement: requests with searches performed by other patent offices: procedure suspended [chapter 6.21 patent gazette] | ||
| B15K | Others concerning applications: alteration of classification |
Free format text: A CLASSIFICACAO ANTERIOR ERA: H04L 9/32 Ipc: H04L 9/32 (2006.01), H04L 29/06 (2006.01), G06Q 20 |
|
| B11B | Dismissal acc. art. 36, par 1 of ipl - no reply within 90 days to fullfil the necessary requirements |