RU2016105768A - Системы и способы для функционально совместимой обработки сетевых маркеров - Google Patents
Системы и способы для функционально совместимой обработки сетевых маркеров Download PDFInfo
- Publication number
- RU2016105768A RU2016105768A RU2016105768A RU2016105768A RU2016105768A RU 2016105768 A RU2016105768 A RU 2016105768A RU 2016105768 A RU2016105768 A RU 2016105768A RU 2016105768 A RU2016105768 A RU 2016105768A RU 2016105768 A RU2016105768 A RU 2016105768A
- Authority
- RU
- Russia
- Prior art keywords
- token
- marker
- request
- server computer
- payment
- Prior art date
Links
Classifications
-
- 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
-
- 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
- G06Q20/40—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 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
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing
-
- 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
-
- 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
- H04L2209/42—Anonymization, e.g. involving pseudonyms
-
- 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
Landscapes
- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- Accounting & Taxation (AREA)
- Computer Security & Cryptography (AREA)
- Physics & Mathematics (AREA)
- Strategic Management (AREA)
- Finance (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Computer Networks & Wireless Communication (AREA)
- Signal Processing (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Cash Registers Or Receiving Machines (AREA)
Claims (86)
1. Способ, содержащий этапы, на которых:
принимают посредством серверного компьютера сообщение с запросом на авторизацию, содержащее платежный маркер, при этом платежный маркер содержит идентификатор эмитента платежного маркера, при этом идентификатор эмитента платежного маркера является заменой для реального идентификатора эмитента для эмитента и является статическим для эмитента;
определяют посредством серверного компьютера реальный идентификатор счета, ассоциированный с платежным маркером;
формируют посредством серверного компьютера модифицированное сообщение с запросом на авторизацию, содержащее реальный идентификатор счета; и
передают посредством серверного компьютера модифицированное сообщение с запросом на авторизацию эмитенту для подтверждения.
2. Способ по п. 1, в котором сообщение с запросом на авторизацию принимается посредством серверного компьютера от компьютера торгового предприятия.
3. Способ по п. 1, в котором определение реального идентификатора счета содержит этап, на котором выполняют поиск в базе данных на предмет реального идентификатора счета с использованием платежного маркера.
4. Способ по п. 1, дополнительно содержащий этапы, на которых:
принимают посредством серверного компьютера сообщение с ответом по авторизации от эмитента;
формируют посредством серверного компьютера модифицированное сообщение с ответом по авторизации, содержащее платежный маркер; и
передают модифицированное сообщение с ответом по авторизации на компьютер торгового предприятия.
5. Способ по п. 1, в котором сообщение с запросом на авторизацию дополнительно содержит идентификатор запросчика маркеров, при этом способ дополнительно содержит этап, на котором:
проверяют достоверность посредством серверного компьютера того, что идентификатор запросчика маркеров ассоциирован с платежным маркером.
6. Способ по п. 1, в котором сообщение с запросом на авторизацию дополнительно содержит режим предъявления маркера, при этом способ дополнительно содержит этап, на котором:
проверяют достоверность посредством серверного компьютера того, что платежный маркер ассоциирован с режимом предъявления маркера.
7. Способ по п. 1, в котором модифицированное сообщение с запросом на авторизацию дополнительно содержит код уровня достоверности маркера, при этом эмитент использует код уровня достоверности маркера, чтобы определять то, авторизовывать ли транзакцию.
8. Способ по п. 1, в котором перед приемом сообщения с запросом на авторизацию платежный маркер формируется и предоставляется на серверный компьютер посредством эмитента счета.
9. Способ по п. 7, в котором код уровня достоверности маркера указывает уровень доверия касательно того, что платежный маркер запрошен посредством держателя счета для базового платежного счета, ассоциированного с реальным идентификатором счета.
10. Способ по п. 1, дополнительно содержащий этапы, на которых:
обновляют файл таблиц маршрутизации для включения множества идентификаторов эмитентов платежных маркеров, при этом каждый из идентификаторов эмитентов платежных маркеров ассоциирован с множеством реальных идентификаторов эмитентов для множества эмитентов, при этом файл таблиц маршрутизации идентифицирует серверный компьютер для обработки каждого из множества идентификаторов эмитентов платежных маркеров; и
отправляют файл таблиц маршрутизации по меньшей мере в одно из компьютера торгового предприятия, компьютера эквайера и компьютера поставщика платежных услуг.
11. Серверный компьютер, содержащий процессор и машиночитаемый носитель, содержащий код, выполняемый посредством процессора, для реализации способа, содержащего:
прием сообщения с запросом на авторизацию, содержащего платежный маркер, при этом платежный маркер содержит идентификатор эмитента платежного маркера, при этом идентификатор эмитента платежного маркера является заменой для реального идентификатора эмитента для эмитента и является статическим для эмитента;
определение реального идентификатора счета, ассоциированного с платежным маркером;
формирование модифицированного сообщения с запросом на авторизацию, содержащего реальный идентификатор счета; и
передачу модифицированного сообщения с запросом на авторизацию эмитенту для подтверждения.
12. Серверный компьютер по п. 11, в котором сообщение с запросом на авторизацию принимается посредством серверного компьютера от компьютера торгового предприятия.
13. Серверный компьютер по п. 11, в котором определение реального идентификатора счета содержит выполнение поиска в базе данных на предмет реального идентификатора счета с использованием платежного маркера.
14. Серверный компьютер по п. 11, причем способ дополнительно содержит:
прием сообщения с ответом по авторизации от эмитента;
формирование модифицированного сообщения с ответом по авторизации, содержащего платежный маркер; и
передачу модифицированного сообщения с ответом по авторизации на компьютер торгового предприятия.
15. Серверный компьютер по п. 11, в котором сообщение с запросом на авторизацию дополнительно содержит идентификатор запросчика маркеров, при этом способ дополнительно содержит:
проверку достоверности того, что идентификатор запросчика маркеров ассоциирован с платежным маркером.
16. Серверный компьютер по п. 11, в котором сообщение с запросом на авторизацию дополнительно содержит режим предъявления маркера, при этом способ дополнительно содержит:
проверку достоверности посредством серверного компьютера того, что платежный маркер ассоциирован с режимом предъявления маркера.
17. Серверный компьютер по п. 11, в котором модифицированное сообщение с запросом на авторизацию дополнительно содержит код уровня достоверности маркера, при этом эмитент использует код уровня достоверности маркера, чтобы определять то, авторизовывать ли транзакцию.
18. Серверный компьютер по п. 11, в котором перед приемом сообщения с запросом на авторизацию платежный маркер формируется и предоставляется на серверный компьютер посредством эмитента счета.
19. Серверный компьютер по п. 17, в котором код уровня достоверности маркера указывает уровень доверия касательно того, что платежный маркер запрошен посредством держателя счета для базового платежного счета, ассоциированного с реальным идентификатором счета.
20. Серверный компьютер по п. 11, в котором способ дополнительно содержит:
обновление файла таблиц маршрутизации для включения множества идентификаторов эмитентов платежных маркеров, при этом каждый из идентификаторов эмитентов платежных маркеров ассоциирован с множеством реальных идентификаторов эмитентов для множества эмитентов, при этом файл таблиц маршрутизации идентифицирует серверный компьютер для обработки каждого из множества идентификаторов эмитентов платежных маркеров; и
отправку файла таблиц маршрутизации по меньшей мере в одно из компьютера торгового предприятия, компьютера эквайера и компьютера поставщика платежных услуг.
21. Серверный компьютер для использования в системе обработки платежей, причем система обработки платежей содержит по меньшей мере два объекта, управляющих по меньшей мере двумя компьютерами объектов, причем по меньшей мере два объекта выполнены с возможностью обработки различных частей одной платежной транзакции, при этом серверный компьютер содержит:
a) процессор;
b) машиночитаемый носитель, содержащий код, выполняемый посредством процессора для реализации способа, содержащего:
- прием сообщения с запросом на первый маркер от первого объекта;
- анализ сообщения с запросом на первый маркер;
- определение того, что сообщение с запросом на первый маркер включает в себя запрос на маркер;
- определение первого маркера;
- передачу первого маркера на первый объект;
- прием сообщения с запросом на второй маркер от второго объекта;
- анализ сообщения с запросом на второй маркер;
- определение того, что сообщение с запросом на второй маркер включает в себя запрос на маркер, ассоциированный с первым маркером;
- определение атрибутов маркера, ассоциированных с первым маркером; и
- передачу определенных атрибутов маркера на второй объект.
22. Серверный компьютер по п. 21, в котором первый объект и второй объект отличаются, при этом первый объект и второй объект выбираются из группы, содержащей: мобильное устройство, мобильный кошелек, торговое предприятие, эквайер, эмитент и сеть обработки платежей.
23. Серверный компьютер по п. 21, в котором запрос на маркер, ассоциированный с первым маркером, включает в себя по меньшей мере одно из запроса на проверку достоверности маркера, запроса на управление маркером, информационный запрос маркера и запроса на замену маркера.
24. Серверный компьютер по п. 21, в котором сообщение с запросом на первый маркер содержит идентификатор счета, аутентификационные данные и идентификатор запросчика маркеров, и сообщение с ответом по первому маркеру содержит маркер и код уровня достоверности маркера.
25. Серверный компьютер по п. 23, в котором запрос на маркер включает в себя запрос на проверку достоверности маркера, при этом второй объект является торговым предприятием, при этом запрос на проверку достоверности маркера включает в себя данные транзакции и первый маркер, при этом определение атрибутов маркера дополнительно содержит выполнение поиска в базе данных маркеров на предмет ограничений транзакций, ассоциированных с первым маркером, при этом атрибуты маркера включают в себя ограничения транзакций.
26. Серверный компьютер по п. 23, в котором второй объект представляет собой мобильное устройство или поставщика мобильных кошельков, при этом запрос на маркер включает в себя запрос на замену маркера, причем запрос на замену маркера включает в себя первый маркер и идентификатор запросчика маркеров, при этом определение атрибутов маркера дополнительно содержит выполнение поиска в базе данных маркеров на предмет идентификатора счета, ассоциированного с первым маркером, проверку достоверности того, что идентификатор запросчика маркеров ассоциирован с первым маркером, при этом атрибуты маркера включают в себя ограничения транзакций.
27. Серверный компьютер по п. 23, в котором второй объект является эмитентом, при этом запрос на маркер включает в себя запрос на управление маркером, причем запрос на управление маркером включает в себя первый маркер и включает в себя инструкции для того, чтобы активировать, деактивировать или обновлять первый маркер, при этом атрибуты маркера включают в себя состояние первого маркера.
28. Серверный компьютер по п. 27, в котором запрос на управление маркером включает в себя инструкции для того, чтобы обновлять первый маркер, при этом инструкции для того, чтобы обновлять первый маркер, включают в себя обновленный реальный идентификатор счета, ассоциированный с первым маркером, при этом серверный компьютер обновляет запись с маркером таким образом, что она включает в себя реальный обновленный идентификатор счета, ассоциированный с первым маркером.
29. Серверный компьютер по п. 23, в котором запрос на маркер включает в себя информационный запрос маркера, при этом информационный запрос маркера включает в себя идентификатор счета или первый маркер, при этом определение атрибутов маркера дополнительно содержит выполнение поиска в базе данных маркеров для записи с маркером, ассоциированной с принимаемым идентификатором счета или принимаемым первым маркером, определение авторизованной информации из записи с маркером для второго объекта, при этом атрибуты маркера включают в себя авторизованную информацию из записи с маркером.
30. Система, содержащая:
серверный компьютер по п. 21; и
базу данных, соединенную с серверным компьютером, причем база данных содержит множество платежных маркеров.
31. Система по п. 30, дополнительно содержащая компьютер эмитента, компьютер эквайера и компьютер торгового предприятия, связанный с серверным компьютером.
32. Способ, содержащий этапы, на которых:
принимают посредством серверного компьютера сообщение с запросом на первый маркер от первого объекта;
анализируют посредством серверного компьютера сообщение с запросом на первый маркер;
определяют посредством серверного компьютера то, что сообщение с запросом на первый маркер включает в себя запрос на маркер;
определяют посредством серверного компьютера первый маркер;
передают посредством серверного компьютера первый маркер на первый объект;
принимают посредством серверного компьютера сообщение с запросом на второй маркер от второго объекта;
анализируют посредством серверного компьютера сообщение с запросом на второй маркер;
определяют посредством серверного компьютера то, что сообщение с запросом на второй маркер включает в себя запрос на маркер, ассоциированный с первым маркером;
определяют посредством серверного компьютера атрибуты маркера, ассоциированные с первым маркером; и
передают посредством серверного компьютера определенные атрибуты маркера на второй объект.
33. Способ по п. 32, в котором первый объект и второй объект отличаются, при этом первый объект и второй объект выбираются из группы, содержащей: мобильное устройство, мобильный кошелек, торговое предприятие, эквайер, эмитент и сеть обработки платежей.
34. Способ по п. 32, в котором запрос на маркер, ассоциированный с первым маркером, включает в себя по меньшей мере одно из запроса на проверку достоверности маркера, информационного запроса маркера, запроса на замену маркера и запроса на управление маркером.
35. Способ по п. 32, в котором сообщение с запросом на первый маркер содержит идентификатор счета, аутентификационные данные и идентификатор запросчика маркеров, и сообщение с ответом по первому маркеру содержит маркер и код уровня достоверности маркера.
36. Способ по п. 34, в котором запрос на маркер включает в себя запрос на проверку достоверности маркера, при этом второй объект является торговым предприятием, при этом запрос на проверку достоверности маркера включает в себя данные транзакции и первый маркер, при этом определение атрибутов маркера дополнительно содержит этап, на котором выполняют поиск в базе данных маркеров на предмет ограничений транзакций, ассоциированных с первым маркером, при этом атрибуты маркера включают в себя ограничения транзакций.
37. Способ по п. 34, в котором второй объект представляет собой мобильное устройство или поставщика мобильных кошельков, при этом запрос на маркер включает в себя запрос на замену маркера, причем запрос на замену маркера включает в себя первый маркер и идентификатор запросчика маркеров, при этом определение атрибутов маркера дополнительно содержит этап, на котором выполняют поиск в базе данных маркеров на предмет идентификатора счета, ассоциированного с первым маркером, проверяют достоверность того, что идентификатор запросчика маркеров ассоциирован с первым маркером, при этом атрибуты маркера включают в себя ограничения транзакций.
38. Способ по п. 34, в котором второй объект является эмитентом, при этом запрос на маркер включает в себя запрос на управление маркером, причем запрос на управление маркером включает в себя первый маркер и включает в себя инструкции для того, чтобы активировать, деактивировать или обновлять первый маркер, при этом атрибуты маркера включают в себя состояние первого маркера.
39. Способ по п. 38, в котором запрос на управление маркером включает в себя инструкции для того, чтобы обновлять первый маркер, при этом инструкции для того, чтобы обновлять первый маркер, включают в себя обновленный реальный идентификатор счета, ассоциированный с первым маркером, при этом серверный компьютер обновляет запись с маркером таким образом, что она включает в себя реальный обновленный идентификатор счета, ассоциированный с первым маркером.
40. Способ по п. 34, в котором запрос на маркер включает в себя информационный запрос маркера, при этом информационный запрос маркера включает в себя идентификатор счета или первый маркер, при этом определение атрибутов маркера дополнительно содержит этап, на котором выполняют поиск в базе данных маркеров на предмет записи с маркером, ассоциированной с принимаемым идентификатором счета или принимаемым первым маркером, определяют авторизованную информацию из записи с маркером для второго объекта, при этом атрибуты маркера включают в себя авторизованную информацию из записи с маркером.
Applications Claiming Priority (7)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| US201361858087P | 2013-07-24 | 2013-07-24 | |
| US61/858,087 | 2013-07-24 | ||
| US201361863863P | 2013-08-08 | 2013-08-08 | |
| US61/863,863 | 2013-08-08 | ||
| US201461935036P | 2014-02-03 | 2014-02-03 | |
| US61/935,036 | 2014-02-03 | ||
| PCT/US2014/048083 WO2015013548A1 (en) | 2013-07-24 | 2014-07-24 | Systems and methods for interoperable network token processing |
Publications (3)
| Publication Number | Publication Date |
|---|---|
| RU2016105768A true RU2016105768A (ru) | 2017-08-28 |
| RU2016105768A3 RU2016105768A3 (ru) | 2018-03-21 |
| RU2669081C2 RU2669081C2 (ru) | 2018-10-08 |
Family
ID=52391319
Family Applications (2)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| RU2016105772A RU2681366C2 (ru) | 2013-07-24 | 2014-07-24 | Системы и способы для сообщения рисков с использованием данных достоверности маркера |
| RU2016105768A RU2669081C2 (ru) | 2013-07-24 | 2014-07-24 | Системы и способы для функционально совместимой обработки сетевых маркеров |
Family Applications Before (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| RU2016105772A RU2681366C2 (ru) | 2013-07-24 | 2014-07-24 | Системы и способы для сообщения рисков с использованием данных достоверности маркера |
Country Status (10)
| Country | Link |
|---|---|
| US (7) | US20150032626A1 (ru) |
| EP (2) | EP3025293A4 (ru) |
| JP (5) | JP6738731B2 (ru) |
| KR (1) | KR102070451B1 (ru) |
| CN (4) | CN105874495B (ru) |
| AU (5) | AU2014292980A1 (ru) |
| CA (2) | CA2918788C (ru) |
| RU (2) | RU2681366C2 (ru) |
| SG (4) | SG10201800626RA (ru) |
| WO (2) | WO2015013522A1 (ru) |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US9996835B2 (en) | 2013-07-24 | 2018-06-12 | Visa International Service Association | Systems and methods for communicating token attributes associated with a token vault |
| US11710119B2 (en) | 2013-10-11 | 2023-07-25 | Visa International Service Association | Network token system |
| US12346903B2 (en) | 2014-06-05 | 2025-07-01 | Visa International Service Association | Identification and verification for provisioning mobile application |
Families Citing this family (627)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20140019352A1 (en) | 2011-02-22 | 2014-01-16 | Visa International Service Association | Multi-purpose virtual card transaction apparatuses, methods and systems |
| US8762263B2 (en) | 2005-09-06 | 2014-06-24 | Visa U.S.A. Inc. | System and method for secured account numbers in proximity devices |
| US7739169B2 (en) | 2007-06-25 | 2010-06-15 | Visa U.S.A. Inc. | Restricting access to compromised account information |
| US7937324B2 (en) | 2007-09-13 | 2011-05-03 | Visa U.S.A. Inc. | Account permanence |
| US8219489B2 (en) | 2008-07-29 | 2012-07-10 | Visa U.S.A. Inc. | Transaction processing using a global unique identifier |
| US20100114768A1 (en) | 2008-10-31 | 2010-05-06 | Wachovia Corporation | Payment vehicle with on and off function |
| US10867298B1 (en) | 2008-10-31 | 2020-12-15 | Wells Fargo Bank, N.A. | Payment vehicle with on and off function |
| US9715681B2 (en) | 2009-04-28 | 2017-07-25 | Visa International Service Association | Verification of portable consumer devices |
| US10372938B2 (en) * | 2009-05-06 | 2019-08-06 | Token, Inc. | Resource protection using tokenized information |
| US9105027B2 (en) | 2009-05-15 | 2015-08-11 | Visa International Service Association | Verification of portable consumer device for secure services |
| 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 |
| US10846683B2 (en) | 2009-05-15 | 2020-11-24 | Visa International Service Association | Integration of verification tokens with mobile communication devices |
| 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 |
| US10255591B2 (en) | 2009-12-18 | 2019-04-09 | Visa International Service Association | Payment channel returning limited use proxy dynamic value |
| EP2927836B1 (en) | 2010-01-12 | 2016-10-05 | 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 |
| US9342832B2 (en) | 2010-08-12 | 2016-05-17 | Visa International Service Association | Securing external systems with account token substitution |
| US10586227B2 (en) | 2011-02-16 | 2020-03-10 | Visa International Service Association | Snap mobile payment apparatuses, methods and systems |
| WO2012112822A2 (en) | 2011-02-16 | 2012-08-23 | Visa International Service Association | Snap mobile payment apparatuses, methods and systems |
| WO2012116125A1 (en) | 2011-02-22 | 2012-08-30 | Visa International Service Association | Universal electronic payment apparatuses, methods and systems |
| EP2681701A4 (en) | 2011-03-04 | 2014-08-20 | Visa Int Service Ass | INTEGRATION OF PAYMENT OPTIONS IN SAFE ITEMS OF COMPUTERS |
| US9280765B2 (en) | 2011-04-11 | 2016-03-08 | Visa International Service Association | Multiple tokenization for authentication |
| US10380585B2 (en) | 2011-06-02 | 2019-08-13 | Visa International Service Association | Local usage of electronic tokens in a transaction processing system |
| US9264237B2 (en) * | 2011-06-15 | 2016-02-16 | Microsoft Technology Licensing, Llc | Verifying requests for access to a service provider using an authentication component |
| US9355393B2 (en) | 2011-08-18 | 2016-05-31 | Visa International Service Association | Multi-directional wallet connector apparatuses, methods and systems |
| AU2012278963B2 (en) | 2011-07-05 | 2017-02-23 | Visa International Service Association | Electronic wallet checkout platform apparatuses, methods and systems |
| US9582598B2 (en) | 2011-07-05 | 2017-02-28 | Visa International Service Association | Hybrid applications utilizing distributed models and views apparatuses, methods and systems |
| US9704155B2 (en) | 2011-07-29 | 2017-07-11 | Visa International Service Association | Passing payment tokens through an hop/sop |
| US9710807B2 (en) | 2011-08-18 | 2017-07-18 | Visa International Service Association | Third-party value added wallet features and interfaces apparatuses, methods and systems |
| US12462245B2 (en) | 2011-08-18 | 2025-11-04 | Visa International Service Association | Remote decoupled application persistent state apparatuses, methods and systems |
| 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 |
| US9165294B2 (en) | 2011-08-24 | 2015-10-20 | Visa International Service Association | Method for using barcodes and mobile devices to conduct payment transactions |
| US10223730B2 (en) | 2011-09-23 | 2019-03-05 | Visa International Service Association | E-wallet store injection search apparatuses, methods and systems |
| US11354723B2 (en) | 2011-09-23 | 2022-06-07 | Visa International Service Association | Smart shopping cart with E-wallet store injection search |
| 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 |
| US9830595B2 (en) | 2012-01-26 | 2017-11-28 | Visa International Service Association | System and method of providing tokenization as a service |
| AU2013214801B2 (en) | 2012-02-02 | 2018-06-21 | Visa International Service Association | Multi-source, multi-dimensional, cross-entity, multimedia database platform apparatuses, methods and systems |
| US10282724B2 (en) | 2012-03-06 | 2019-05-07 | Visa International Service Association | Security system incorporating mobile device |
| 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 |
| WO2014008403A1 (en) | 2012-07-03 | 2014-01-09 | Visa International Service Association | Data protection hub |
| 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 |
| US9665722B2 (en) | 2012-08-10 | 2017-05-30 | Visa International Service Association | Privacy firewall |
| AU2013315510B2 (en) | 2012-09-11 | 2019-08-22 | Visa International Service Association | Cloud-based Virtual Wallet NFC Apparatuses, methods and systems |
| US11080701B2 (en) | 2015-07-02 | 2021-08-03 | Royal Bank Of Canada | Secure processing of electronic payments |
| CA2830260C (en) | 2012-10-17 | 2021-10-12 | Royal Bank Of Canada | Virtualization and secure processing of data |
| US11210648B2 (en) | 2012-10-17 | 2021-12-28 | Royal Bank Of Canada | Systems, methods, and devices for secure generation and processing of data sets representing pre-funded payments |
| 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 |
| US20140164243A1 (en) * | 2012-12-07 | 2014-06-12 | Christian Aabye | Dynamic Account Identifier With Return Real Account Identifier |
| US10592888B1 (en) * | 2012-12-17 | 2020-03-17 | Wells Fargo Bank, N.A. | Merchant account transaction processing systems and methods |
| US9251531B2 (en) | 2012-12-21 | 2016-02-02 | Cortex Mcp, Inc. | File format and platform for storage and verification of credentials |
| 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 |
| CN109086581B (zh) | 2013-03-15 | 2021-11-05 | 美国邮政管理局 | 身份验证系统和方法 |
| US11055710B2 (en) | 2013-05-02 | 2021-07-06 | Visa International Service Association | Systems and methods for verifying and processing transactions using virtual currency |
| EP2997532A4 (en) | 2013-05-15 | 2016-05-11 | Visa Int Service Ass | MOBILE TOKENIZATION HUB |
| US10878422B2 (en) | 2013-06-17 | 2020-12-29 | Visa International Service Association | System and method using merchant token |
| US20150006384A1 (en) * | 2013-06-28 | 2015-01-01 | Zahid Nasiruddin Shaikh | Device fingerprinting |
| CN115907763A (zh) | 2013-07-26 | 2023-04-04 | 维萨国际服务协会 | 向消费者提供支付凭证 |
| US10496986B2 (en) | 2013-08-08 | 2019-12-03 | Visa International Service Association | Multi-network tokenization processing |
| AU2014306259A1 (en) | 2013-08-08 | 2016-02-25 | Visa International Service Association | Methods and systems for provisioning mobile devices with payment credentials |
| GB201315314D0 (en) * | 2013-08-28 | 2013-10-09 | Mastercard International Inc | Value add service for mobile point of sale |
| US10460322B2 (en) * | 2013-08-30 | 2019-10-29 | Mastercard International Incorporated | Methods and systems for verifying cardholder authenticity when provisioning a token |
| US9710808B2 (en) * | 2013-09-16 | 2017-07-18 | Igor V. SLEPININ | Direct digital cash system and method |
| US9953311B2 (en) | 2013-09-25 | 2018-04-24 | Visa International Service Association | Systems and methods for incorporating QR codes |
| US10515370B2 (en) * | 2013-10-09 | 2019-12-24 | The Toronto-Dominion Bank | Systems and methods for providing tokenized transaction accounts |
| 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 |
| WO2015065402A1 (en) | 2013-10-30 | 2015-05-07 | Bodhi Technology Ventures Llc | Displaying relevant use interface objects |
| US9516487B2 (en) | 2013-11-19 | 2016-12-06 | Visa International Service Association | Automated account provisioning |
| US9922322B2 (en) | 2013-12-19 | 2018-03-20 | Visa International Service Association | Cloud-based transactions with magnetic secure transmission |
| BR112016014106A2 (pt) | 2013-12-19 | 2017-08-08 | Visa Int Service Ass | Método para intensificar a segurança de um dispositivo de comunicação, e, dispositivo de comunicação |
| US10433128B2 (en) | 2014-01-07 | 2019-10-01 | Visa International Service Association | Methods and systems for provisioning multiple devices |
| US20150199671A1 (en) * | 2014-01-13 | 2015-07-16 | Fidelity National E-Banking Services, Inc. | Systems and methods for processing cardless transactions |
| US9846878B2 (en) | 2014-01-14 | 2017-12-19 | Visa International Service Association | Payment account identifier system |
| US9213974B2 (en) | 2014-02-07 | 2015-12-15 | Bank Of America Corporation | Remote revocation of application access based on non-co-location of a transaction vehicle and a mobile device |
| US9286450B2 (en) | 2014-02-07 | 2016-03-15 | Bank Of America Corporation | Self-selected user access based on specific authentication types |
| US9223951B2 (en) | 2014-02-07 | 2015-12-29 | Bank Of America Corporation | User authentication based on other applications |
| US9965606B2 (en) | 2014-02-07 | 2018-05-08 | Bank Of America Corporation | Determining user authentication based on user/device interaction |
| US9647999B2 (en) | 2014-02-07 | 2017-05-09 | Bank Of America Corporation | Authentication level of function bucket based on circumstances |
| US9305149B2 (en) | 2014-02-07 | 2016-04-05 | Bank Of America Corporation | Sorting mobile banking functions into authentication buckets |
| US9208301B2 (en) | 2014-02-07 | 2015-12-08 | Bank Of America Corporation | Determining user authentication requirements based on the current location of the user in comparison to the users's normal boundary of location |
| US9390242B2 (en) | 2014-02-07 | 2016-07-12 | Bank Of America Corporation | Determining user authentication requirements based on the current location of the user being within a predetermined area requiring altered authentication requirements |
| US12469021B2 (en) | 2014-02-18 | 2025-11-11 | Visa International Service Association | Limited-use keys and cryptograms |
| US9600817B2 (en) | 2014-03-04 | 2017-03-21 | Bank Of America Corporation | Foreign exchange token |
| US9830597B2 (en) | 2014-03-04 | 2017-11-28 | Bank Of America Corporation | Formation and funding of a shared token |
| US20150254650A1 (en) * | 2014-03-04 | 2015-09-10 | Bank Of America Corporation | Controlling token issuance based on exposure |
| US9424572B2 (en) | 2014-03-04 | 2016-08-23 | Bank Of America Corporation | Online banking digital wallet management |
| US10002352B2 (en) | 2014-03-04 | 2018-06-19 | Bank Of America Corporation | Digital wallet exposure reduction |
| US9721248B2 (en) | 2014-03-04 | 2017-08-01 | Bank Of America Corporation | ATM token cash withdrawal |
| US9721268B2 (en) | 2014-03-04 | 2017-08-01 | Bank Of America Corporation | Providing offers associated with payment credentials authenticated in a specific digital wallet |
| US20150254648A1 (en) * | 2014-03-04 | 2015-09-10 | Bank Of America Corporation | Managed digital wallets |
| US9600844B2 (en) | 2014-03-04 | 2017-03-21 | Bank Of America Corporation | Foreign cross-issued token |
| US20150254646A1 (en) * | 2014-03-04 | 2015-09-10 | Bank Of America Corporation | Restoring or reissuing of a token based on user authentication |
| US9406065B2 (en) | 2014-03-04 | 2016-08-02 | Bank Of America Corporation | Customer token preferences interface |
| EP3120593B1 (en) | 2014-03-19 | 2018-12-12 | Bluefin Payment Systems, LLC | Systems and methods for creating fingerprints of encryption devices |
| US11256798B2 (en) | 2014-03-19 | 2022-02-22 | Bluefin Payment Systems Llc | Systems and methods for decryption as a service |
| US10496964B2 (en) * | 2014-04-02 | 2019-12-03 | Facebook, Inc. | Routing payments to payment aggregators |
| 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 |
| US10902417B2 (en) * | 2014-04-29 | 2021-01-26 | Mastercard International Incorporated | Systems and methods of processing payment transactions using one-time tokens |
| US11574300B1 (en) * | 2014-04-30 | 2023-02-07 | Wells Fargo Bank, N.A. | Mobile wallet systems and methods using trace identifier using card networks |
| US11610197B1 (en) | 2014-04-30 | 2023-03-21 | Wells Fargo Bank, N.A. | Mobile wallet rewards redemption systems and methods |
| US11748736B1 (en) | 2014-04-30 | 2023-09-05 | Wells Fargo Bank, N.A. | Mobile wallet integration within mobile banking |
| US11663599B1 (en) | 2014-04-30 | 2023-05-30 | Wells Fargo Bank, N.A. | Mobile wallet authentication systems and methods |
| US9652770B1 (en) | 2014-04-30 | 2017-05-16 | Wells Fargo Bank, N.A. | Mobile wallet using tokenized card systems and methods |
| US11461766B1 (en) * | 2014-04-30 | 2022-10-04 | Wells Fargo Bank, N.A. | Mobile wallet using tokenized card systems and methods |
| US11030587B2 (en) * | 2014-04-30 | 2021-06-08 | Mastercard International Incorporated | Systems and methods for providing anonymized transaction data to third-parties |
| US10997592B1 (en) | 2014-04-30 | 2021-05-04 | Wells Fargo Bank, N.A. | Mobile wallet account balance systems and methods |
| US11288660B1 (en) | 2014-04-30 | 2022-03-29 | Wells Fargo Bank, N.A. | Mobile wallet account balance systems and methods |
| WO2015168334A1 (en) | 2014-05-01 | 2015-11-05 | Visa International Service Association | Data verification using access device |
| EP3140798A4 (en) | 2014-05-05 | 2017-12-20 | Visa International Service Association | System and method for token domain control |
| US10070310B2 (en) * | 2014-05-08 | 2018-09-04 | Visa International Service Association | Method and system for provisioning access data to mobile device |
| US10959093B2 (en) * | 2014-05-08 | 2021-03-23 | Visa International Service Association | Method and system for provisioning access data to mobile device |
| AU2015264124B2 (en) | 2014-05-21 | 2019-05-09 | Visa International Service Association | Offline authentication |
| US20150339663A1 (en) * | 2014-05-21 | 2015-11-26 | Mastercard International Incorporated | Methods of payment token lifecycle management on a mobile device |
| US10482461B2 (en) | 2014-05-29 | 2019-11-19 | Apple Inc. | User interface for payments |
| US20170132633A1 (en) * | 2014-06-27 | 2017-05-11 | Psi Systems, Inc. | Systems and methods providing payment transactions |
| US20150379505A1 (en) * | 2014-06-30 | 2015-12-31 | Intuit Inc. | Using limited life tokens to ensure pci compliance |
| US9780953B2 (en) | 2014-07-23 | 2017-10-03 | Visa International Service Association | Systems and methods for secure detokenization |
| US9600949B2 (en) | 2014-07-30 | 2017-03-21 | Master Lock Company Llc | Wireless key management for authentication |
| US10484345B2 (en) | 2014-07-31 | 2019-11-19 | Visa International Service Association | System and method for identity verification across mobile applications |
| US10445739B1 (en) | 2014-08-14 | 2019-10-15 | Wells Fargo Bank, N.A. | Use limitations for secondary users of financial accounts |
| US10990941B1 (en) | 2014-08-15 | 2021-04-27 | Jpmorgan Chase Bank, N.A. | Systems and methods for facilitating payments |
| US9775029B2 (en) | 2014-08-22 | 2017-09-26 | Visa International Service Association | Embedding cloud-based functionalities in a communication device |
| WO2016036552A1 (en) | 2014-09-02 | 2016-03-10 | Apple Inc. | User interactions for a mapping application |
| US10140615B2 (en) | 2014-09-22 | 2018-11-27 | Visa International Service Association | Secure mobile device credential provisioning using risk decision non-overrides |
| US10262316B2 (en) | 2014-09-23 | 2019-04-16 | Sony Corporation | Automatic notification of transaction by bank card to customer device |
| US9367845B2 (en) | 2014-09-23 | 2016-06-14 | Sony Corporation | Messaging customer mobile device when electronic bank card used |
| US9292875B1 (en) | 2014-09-23 | 2016-03-22 | Sony Corporation | Using CE device record of E-card transactions to reconcile bank record |
| US9558488B2 (en) | 2014-09-23 | 2017-01-31 | Sony Corporation | Customer's CE device interrogating customer's e-card for transaction information |
| US9646307B2 (en) | 2014-09-23 | 2017-05-09 | Sony Corporation | Receiving fingerprints through touch screen of CE device |
| US9378502B2 (en) | 2014-09-23 | 2016-06-28 | Sony Corporation | Using biometrics to recover password in customer mobile device |
| US9953323B2 (en) | 2014-09-23 | 2018-04-24 | Sony Corporation | Limiting e-card transactions based on lack of proximity to associated CE device |
| US9317847B2 (en) | 2014-09-23 | 2016-04-19 | Sony Corporation | E-card transaction authorization based on geographic location |
| US9355424B2 (en) * | 2014-09-23 | 2016-05-31 | Sony Corporation | Analyzing hack attempts of E-cards |
| WO2016049636A2 (en) | 2014-09-26 | 2016-03-31 | Visa International Service Association | Remote server encrypted data provisioning system and methods |
| CA2906911C (en) * | 2014-09-29 | 2023-08-15 | The Toronto-Dominion Bank | Systems and methods for generating and administering mobile applications using pre-loaded tokens |
| US11257074B2 (en) | 2014-09-29 | 2022-02-22 | Visa International Service Association | Transaction risk based token |
| US10255429B2 (en) * | 2014-10-03 | 2019-04-09 | Wells Fargo Bank, N.A. | Setting an authorization level at enrollment |
| US9697517B1 (en) * | 2014-10-03 | 2017-07-04 | State Farm Mutual Automobile Insurance Company | Token generation in providing a secure credit card payment service without storing credit card data on merchant servers |
| AU2015330644A1 (en) | 2014-10-10 | 2017-04-20 | Royal Bank Of Canada | Systems for processing electronic transactions |
| 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 |
| US20160125396A1 (en) | 2014-10-29 | 2016-05-05 | Google Inc. | Confirming physical possession of plastic nfc cards with a mobile digital wallet application |
| US10325261B2 (en) | 2014-11-25 | 2019-06-18 | Visa International Service Association | Systems communications with non-sensitive identifiers |
| CN113537988B (zh) * | 2014-11-26 | 2024-05-28 | 维萨国际服务协会 | 用于经由访问装置的令牌化请求的方法和设备 |
| US9589264B2 (en) | 2014-12-10 | 2017-03-07 | American Express Travel Related Services Company, Inc. | System and method for pre-provisioned wearable contactless payments |
| US10257185B2 (en) | 2014-12-12 | 2019-04-09 | Visa International Service Association | Automated access data provisioning |
| RU2707939C2 (ru) | 2014-12-12 | 2019-12-02 | Виза Интернэшнл Сервис Ассосиэйшн | Платформа обеспечения для межмашинных устройств |
| US11042850B2 (en) * | 2014-12-31 | 2021-06-22 | Fiserv, Inc. | Card account identifiers associated with conditions for temporary use |
| CN105825371A (zh) * | 2015-01-07 | 2016-08-03 | 阿里巴巴集团控股有限公司 | 业务处理方法和装置 |
| AU2016208989B2 (en) | 2015-01-19 | 2021-11-25 | Royal Bank Of Canada | Secure processing of electronic payments |
| US11354651B2 (en) | 2015-01-19 | 2022-06-07 | Royal Bank Of Canada | System and method for location-based token transaction processing |
| US10096009B2 (en) | 2015-01-20 | 2018-10-09 | Visa International Service Association | Secure payment processing using authorization request |
| US10423954B2 (en) * | 2015-01-26 | 2019-09-24 | International Business Machines Corporation | Resource account application management |
| US20160217459A1 (en) * | 2015-01-28 | 2016-07-28 | American Express Travel Related Services Company, Inc. | Systems and methods for smart token allocation scheme |
| US11250391B2 (en) | 2015-01-30 | 2022-02-15 | Visa International Service Association | Token check offline |
| US11176554B2 (en) | 2015-02-03 | 2021-11-16 | Visa International Service Association | Validation identity tokens for transactions |
| US10977657B2 (en) | 2015-02-09 | 2021-04-13 | Visa International Service Association | Token processing utilizing multiple authorizations |
| US11068895B2 (en) * | 2015-02-17 | 2021-07-20 | Visa International Service Association | Token and cryptogram using transaction specific information |
| CN113014400B (zh) | 2015-02-17 | 2024-05-31 | 维萨国际服务协会 | 用户和移动装置的安全认证 |
| US11853919B1 (en) | 2015-03-04 | 2023-12-26 | Wells Fargo Bank, N.A. | Systems and methods for peer-to-peer funds requests |
| US10185949B2 (en) * | 2015-03-05 | 2019-01-22 | American Express Travel Related Services Company, Inc. | System and method for authentication of a mobile device configured with payment capabilities |
| WO2016144904A1 (en) * | 2015-03-06 | 2016-09-15 | Mastercard International Incorporated | Secure mobile remote payments |
| US9600819B2 (en) * | 2015-03-06 | 2017-03-21 | Mastercard International Incorporated | Systems and methods for risk based decisioning |
| US10296885B2 (en) | 2015-03-06 | 2019-05-21 | Mastercard International Incorporated | Extended-length payment account issuer identification numbers |
| US11138585B2 (en) * | 2015-03-11 | 2021-10-05 | Paypal, Inc. | NFC cookies for enhanced mobile transactions and payments |
| US10949826B2 (en) * | 2015-03-11 | 2021-03-16 | First Data Corporation | Token management and handling system |
| US10475003B2 (en) | 2015-03-11 | 2019-11-12 | Paypal, Inc. | 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 |
| WO2016145436A1 (en) * | 2015-03-12 | 2016-09-15 | Mastercard International Incorporated | Payment card storing tokenized information |
| US11120430B2 (en) * | 2015-03-12 | 2021-09-14 | Paypal, Inc. | Replaying tokenized payment transactions |
| US10685349B2 (en) * | 2015-03-18 | 2020-06-16 | Google Llc | Confirming physical possession of plastic NFC cards with a mobile digital wallet application |
| US20230230070A1 (en) * | 2015-03-19 | 2023-07-20 | Wells Fargo Bank, N.A. | Integrated mobile wallet systems and methods |
| US11037139B1 (en) * | 2015-03-19 | 2021-06-15 | Wells Fargo Bank, N.A. | Systems and methods for smart card mobile device authentication |
| US11188919B1 (en) | 2015-03-27 | 2021-11-30 | Wells Fargo Bank, N.A. | Systems and methods for contactless smart card authentication |
| US11429975B1 (en) * | 2015-03-27 | 2022-08-30 | Wells Fargo Bank, N.A. | Token management system |
| US9984371B2 (en) * | 2015-03-27 | 2018-05-29 | Ca, Inc. | Payment de-tokenization with risk evaluation for secure transactions |
| HK1245534A1 (zh) | 2015-04-10 | 2018-08-24 | 维萨国际服务协会 | 浏览器与密码的集成 |
| US9998978B2 (en) | 2015-04-16 | 2018-06-12 | Visa International Service Association | Systems and methods for processing dormant virtual access devices |
| GB201507047D0 (en) * | 2015-04-24 | 2015-06-10 | Visa Europe Ltd | Method of retaining transaction context |
| US10410208B2 (en) * | 2015-04-24 | 2019-09-10 | Capital One Services, Llc | Token identity devices |
| WO2016172432A1 (en) | 2015-04-24 | 2016-10-27 | Capital One Services, Llc | One use wearable |
| US11017385B2 (en) * | 2015-04-28 | 2021-05-25 | Ncr Corporation | Online transactions |
| KR101649934B1 (ko) * | 2015-04-28 | 2016-08-31 | 엔에이치엔엔터테인먼트 주식회사 | 간편 결제 시스템 및 간편 결제 방법 |
| US11176527B2 (en) * | 2015-04-28 | 2021-11-16 | Ncr Corporation | Cross-network action approval |
| US10552834B2 (en) | 2015-04-30 | 2020-02-04 | Visa International Service Association | Tokenization capable authentication framework |
| US10949841B2 (en) * | 2015-05-07 | 2021-03-16 | Visa International Service Association | Provisioning of access credentials using device codes |
| SG10201503701PA (en) * | 2015-05-11 | 2016-12-29 | Mastercard Asia Pacific Pte Ltd | Method and system for rewarding customers in a tokenized payment transaction |
| US11423404B2 (en) * | 2015-05-13 | 2022-08-23 | Mastercard International Incorporated | System and methods for enhanced approval of a payment transaction |
| US10878411B2 (en) * | 2015-05-13 | 2020-12-29 | Sony Corporation | Method and apparatus for issued token management |
| US20160350746A1 (en) * | 2015-05-28 | 2016-12-01 | Mastercard International Incorporated | Consumer friendly token number allocation |
| US10304078B2 (en) * | 2015-06-02 | 2019-05-28 | Francesco Rulli | System and method for the transfer of funds in exchange for participation in qualifying events |
| US9940637B2 (en) | 2015-06-05 | 2018-04-10 | Apple Inc. | User interface for loyalty accounts and private label accounts |
| US20160358133A1 (en) | 2015-06-05 | 2016-12-08 | Apple Inc. | User interface for loyalty accounts and private label accounts for a wearable device |
| EP3308289B1 (en) * | 2015-06-15 | 2020-05-13 | Cointrust, Inc. | Resource protection using tokenized information |
| WO2016205645A1 (en) | 2015-06-19 | 2016-12-22 | Moreton Paul Y | Systems and methods for managing electronic tokens for device interactions |
| US9948630B2 (en) * | 2015-06-30 | 2018-04-17 | United States Postal Service | System and method of providing identity verification services |
| US11599879B2 (en) | 2015-07-02 | 2023-03-07 | Royal Bank Of Canada | Processing of electronic transactions |
| EP3859637A1 (en) * | 2015-07-17 | 2021-08-04 | CardinalCommerce Corporation | System and method for tokenization |
| CN106375101B (zh) * | 2015-07-20 | 2019-08-27 | 华为技术有限公司 | 一种生命周期管理方法及装置 |
| US10664821B2 (en) * | 2015-07-22 | 2020-05-26 | Mastercard International Incorporated | Multi-mode payment systems and methods |
| US11170364B1 (en) * | 2015-07-31 | 2021-11-09 | Wells Fargo Bank, N.A. | Connected payment card systems and methods |
| US11308485B2 (en) | 2016-07-15 | 2022-04-19 | Paypal, Inc. | Processing a transaction using electronic tokens |
| US11308483B2 (en) | 2015-08-25 | 2022-04-19 | Paypal, Inc. | Token service provider for electronic/mobile commerce transactions |
| SG10201908563TA (en) | 2015-08-25 | 2019-11-28 | Paypal Inc | Token service provider for electronic/mobile commerce transactions |
| EP3136329A1 (en) * | 2015-08-28 | 2017-03-01 | Mastercard International Incorporated | Securing mo/to processing |
| US10068213B2 (en) * | 2015-09-09 | 2018-09-04 | Mastercard International Incorporated | Systems and methods for facilitating cross-platform purchase redirection |
| US20170083906A1 (en) * | 2015-09-21 | 2017-03-23 | International Business Machines Corporation | Token assurance level based transaction processing |
| US10607215B2 (en) | 2015-09-30 | 2020-03-31 | Bank Of America Corporation | Account tokenization for virtual currency resources |
| US10453059B2 (en) | 2015-09-30 | 2019-10-22 | Bank Of America Corporation | Non-intrusive geo-location determination associated with transaction authorization |
| US11068889B2 (en) | 2015-10-15 | 2021-07-20 | Visa International Service Association | Instant token issuance |
| US20170109733A1 (en) * | 2015-10-16 | 2017-04-20 | Bank Of America Corporation | Management of Token-Based Payments at the Token Level |
| US20170109736A1 (en) * | 2015-10-16 | 2017-04-20 | Bank Of America Corporation | Tokenization of financial account information for use in transactions |
| US20170109540A1 (en) * | 2015-10-16 | 2017-04-20 | Bank Of America Corporation | Tokenization of financial account information for use in transactions |
| EP3365732A4 (en) * | 2015-10-23 | 2019-09-11 | XIVIX Holdings LLC | SYSTEM AND METHOD FOR AUTHENTICATION WITH A MOBILE DEVICE |
| US9729536B2 (en) | 2015-10-30 | 2017-08-08 | Bank Of America Corporation | Tiered identification federated authentication network system |
| CA2944306C (en) | 2015-10-30 | 2023-11-14 | The Toronto-Dominion Bank | Validating encrypted data from a multi-layer token |
| FR3043232A1 (fr) * | 2015-11-03 | 2017-05-05 | Orange | Procede de verification d'identite lors d'une virtualisation |
| US11216808B2 (en) * | 2015-11-04 | 2022-01-04 | The Toronto-Dominion Bank | Token-based system for excising data from databases |
| US10552831B2 (en) * | 2015-11-05 | 2020-02-04 | The Toronto-Dominion Bank | Securing data via multi-layer tokens |
| US11062319B1 (en) | 2015-11-06 | 2021-07-13 | Wells Fargo Bank, N.A. | Systems and methods for funds transfers via a token management system |
| US20170132630A1 (en) * | 2015-11-11 | 2017-05-11 | Bank Of America Corporation | Block chain alias for person-to-person payments |
| US10535047B1 (en) * | 2015-11-19 | 2020-01-14 | Wells Fargo Bank N.A. | Systems and methods for financial operations performed at a contactless ATM |
| US10706400B1 (en) * | 2015-11-19 | 2020-07-07 | Wells Fargo Bank, N.A. | Systems and methods for financial operations performed at a contactless ATM |
| CN105488679B (zh) * | 2015-11-23 | 2019-12-03 | 北京小米支付技术有限公司 | 基于生物识别技术的移动支付设备、方法和装置 |
| US11455621B2 (en) * | 2015-11-25 | 2022-09-27 | Idemia Identity & Security USA LLC | Device-associated token identity |
| GB2544998A (en) * | 2015-12-02 | 2017-06-07 | Eckoh Uk Ltd | Tokenisation in cardholder - not - present transactions |
| US20170161733A1 (en) * | 2015-12-02 | 2017-06-08 | Mastercard International Incorporated | Method and system for validation of a token requestor |
| 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 |
| US11488124B2 (en) * | 2015-12-07 | 2022-11-01 | Money Flow, Llc | Payment system based on a global database of invoices |
| JP6677496B2 (ja) * | 2015-12-08 | 2020-04-08 | キヤノン株式会社 | 認証連携システム及び認証連携方法、認可サーバー、アプリケーションサーバー及びプログラム |
| JP6682254B2 (ja) | 2015-12-08 | 2020-04-15 | キヤノン株式会社 | 認証連携システム及び認証連携方法、認可サーバー及びプログラム |
| US10740759B2 (en) | 2015-12-11 | 2020-08-11 | International Business Machines Corporation | Dynamically generated payment token ratings |
| FR3045877B1 (fr) * | 2015-12-22 | 2018-07-27 | Idemia France | Procede d'authentification |
| US10565364B1 (en) * | 2015-12-28 | 2020-02-18 | Wells Fargo Bank, N.A. | Token management systems and methods |
| EP3400696B1 (en) | 2016-01-07 | 2020-05-13 | Visa International Service Association | Systems and methods for device push provisioning |
| US10796301B2 (en) | 2016-01-08 | 2020-10-06 | Worldpay, Llc | System and method for tokenizing information from a digital wallet host by an acquirer processor |
| CN108496380B (zh) * | 2016-01-26 | 2021-02-02 | 株式会社宙连 | 服务器和存储介质 |
| US12051058B2 (en) * | 2016-01-29 | 2024-07-30 | Xard Group Pty Ltd | Validating transactions |
| US11080696B2 (en) | 2016-02-01 | 2021-08-03 | Visa International Service Association | Systems and methods for code display and use |
| US10977652B1 (en) * | 2016-02-02 | 2021-04-13 | Wells Fargo Bank, N.A. | Systems and methods for authentication based on personal card network |
| US11501288B2 (en) | 2016-02-09 | 2022-11-15 | Visa International Service Association | Resource provider account token provisioning and processing |
| US11374935B2 (en) | 2016-02-11 | 2022-06-28 | Bank Of America Corporation | Block chain alias person-to-person resource allocation |
| WO2017139772A1 (en) * | 2016-02-12 | 2017-08-17 | Visa International Service Association | Authentication systems and methods using location matching |
| US11182793B2 (en) * | 2016-03-02 | 2021-11-23 | American Express Travel Related Services Company, Inc. | Systems and methods for transaction account tokenization |
| US10282726B2 (en) * | 2016-03-03 | 2019-05-07 | Visa International Service Association | Systems and methods for domain restriction with remote authentication |
| JP6685419B2 (ja) * | 2016-03-11 | 2020-04-22 | 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 | 二点間（ポイントツーポイント）トランザクションを処理するための方法及びシステム |
| US10579999B2 (en) * | 2016-03-14 | 2020-03-03 | Facebook, Inc. | Network payment tokenization for processing payment transactions |
| CA3013815A1 (en) * | 2016-03-17 | 2017-09-21 | Visa International Service Association | Enabling a secure card on file option for electronic merchant applications |
| JP6720606B2 (ja) * | 2016-03-18 | 2020-07-08 | 富士ゼロックス株式会社 | 情報処理システム |
| US10861019B2 (en) * | 2016-03-18 | 2020-12-08 | Visa International Service Association | Location verification during dynamic data transactions |
| US10148729B2 (en) | 2016-03-22 | 2018-12-04 | Go Daddy Operating Company, LLC | Hosting provider hosting routes from a media repository |
| US10291612B2 (en) * | 2016-03-22 | 2019-05-14 | Go Daddy Operating Company, LLC | Bi-directional authentication between a media repository and a hosting provider |
| US10706413B2 (en) * | 2016-03-25 | 2020-07-07 | American Express Travel Related Services Company, Inc. | System and method for closing pre-authorization amounts on a virtual token account |
| CN105894380A (zh) * | 2016-04-05 | 2016-08-24 | 邓迪 | 数字货币征信系统及方法 |
| US10313321B2 (en) * | 2016-04-07 | 2019-06-04 | Visa International Service Association | Tokenization of co-network accounts |
| US10643203B2 (en) | 2016-04-12 | 2020-05-05 | Digicash Pty Ltd. | Secure transaction controller for value token exchange systems |
| US11823161B2 (en) * | 2016-04-13 | 2023-11-21 | Mastercard International Incorporated | System and method for peer-to-peer assistance in provisioning payment tokens to mobile devices |
| US11250432B2 (en) * | 2016-04-13 | 2022-02-15 | America Express Travel Related Services Company, Inc. | Systems and methods for reducing fraud risk for a primary transaction account |
| WO2017184121A1 (en) | 2016-04-19 | 2017-10-26 | Visa International Service Association | Systems and methods for performing push transactions |
| US11113688B1 (en) | 2016-04-22 | 2021-09-07 | Wells Fargo Bank, N.A. | Systems and methods for mobile wallet provisioning |
| US10460367B2 (en) | 2016-04-29 | 2019-10-29 | Bank Of America Corporation | System for user authentication based on linking a randomly generated number to the user and a physical item |
| SG11201806910XA (en) * | 2016-05-03 | 2018-09-27 | Visa Int Service Ass | Platform for appliance based resource catalog |
| AU2017264693B2 (en) * | 2016-05-09 | 2023-03-09 | Sannhet (N.I.) Limited | Secure multi-factor tokenization-based push/response commerce platform |
| US10769599B2 (en) * | 2016-05-09 | 2020-09-08 | Vadim Sobolevski | Method for conducting monetary and financial transactions by treating amounts as collections of distinct units of account |
| US11250424B2 (en) | 2016-05-19 | 2022-02-15 | Visa International Service Association | Systems and methods for creating subtokens using primary tokens |
| JP6476402B2 (ja) * | 2016-05-20 | 2019-03-06 | システムメトリックス株式会社 | 認証システム |
| US20170344989A1 (en) * | 2016-05-27 | 2017-11-30 | Mastercard International Incorporated | Systems and Methods for Use in Facilitating Interactions Between Merchants and Consumers |
| JP6821708B2 (ja) * | 2016-06-01 | 2021-01-27 | 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 | ネットワークトランザクションを支援することに関して用いるためのシステム及び方法 |
| US11429971B1 (en) | 2016-06-03 | 2022-08-30 | Jpmorgan Chase Bank, N.A. | Systems, methods, and devices for integrating a first party service into a second party computer application |
| RU2018144220A (ru) | 2016-06-03 | 2020-07-09 | Виза Интернэшнл Сервис Ассосиэйшн | Система управления субтокенами для подключенных устройств |
| US10755267B2 (en) * | 2016-06-08 | 2020-08-25 | American Express Travel Related Services Company, Inc. | Systems and methods for a merchant-specific payment token |
| US10621581B2 (en) | 2016-06-11 | 2020-04-14 | Apple Inc. | User interface for transactions |
| CN109313759B (zh) | 2016-06-11 | 2022-04-26 | 苹果公司 | 用于交易的用户界面 |
| US11580608B2 (en) | 2016-06-12 | 2023-02-14 | Apple Inc. | Managing contact information for communication applications |
| US20170364890A1 (en) * | 2016-06-15 | 2017-12-21 | Mastercard International Incorporated | System and method of payment of merchants on behalf of payment card system transaction acquirers |
| US10268635B2 (en) | 2016-06-17 | 2019-04-23 | Bank Of America Corporation | System for data rotation through tokenization |
| US11068899B2 (en) | 2016-06-17 | 2021-07-20 | Visa International Service Association | Token aggregation for multi-party transactions |
| CN109313792A (zh) * | 2016-06-20 | 2019-02-05 | 维萨国际服务协会 | 高效资源提供者系统 |
| EP3261034A1 (en) * | 2016-06-23 | 2017-12-27 | Mastercard International Incorporated | Method and system for authorizing and processing payment transactions over a network |
| CN109328445B (zh) * | 2016-06-24 | 2022-07-05 | 维萨国际服务协会 | 唯一令牌认证验证值 |
| GB2551787A (en) * | 2016-06-30 | 2018-01-03 | Ipco 2012 Ltd | Generating a plurality of one time tokens |
| US10992679B1 (en) | 2016-07-01 | 2021-04-27 | Wells Fargo Bank, N.A. | Access control tower |
| US11615402B1 (en) | 2016-07-01 | 2023-03-28 | Wells Fargo Bank, N.A. | Access control tower |
| US12130937B1 (en) | 2016-07-01 | 2024-10-29 | Wells Fargo Bank, N.A. | Control tower for prospective transactions |
| US11886611B1 (en) | 2016-07-01 | 2024-01-30 | Wells Fargo Bank, N.A. | Control tower for virtual rewards currency |
| US11935020B1 (en) | 2016-07-01 | 2024-03-19 | Wells Fargo Bank, N.A. | Control tower for prospective transactions |
| US11386223B1 (en) | 2016-07-01 | 2022-07-12 | Wells Fargo Bank, N.A. | Access control tower |
| BR112018076196A2 (pt) | 2016-07-11 | 2019-03-26 | Visa International Service Association | método, e, dispositivos de comunicação portátil e de acesso. |
| WO2018010009A1 (en) * | 2016-07-13 | 2018-01-18 | Royal Bank Of Canada | Processing of electronic transactions |
| CN116739570A (zh) | 2016-07-19 | 2023-09-12 | 维萨国际服务协会 | 分发令牌和管理令牌关系的方法 |
| KR102008206B1 (ko) * | 2016-07-20 | 2019-08-07 | 코나아이 (주) | 카드 거래 서비스를 관리하는 서버, 방법 및 시스템 |
| US10366389B2 (en) | 2016-07-28 | 2019-07-30 | Visa International Service Association | Connected device transaction code system |
| EP3279847A1 (en) * | 2016-08-04 | 2018-02-07 | Mastercard International Incorporated | Mobile push payments |
| US10504095B2 (en) | 2016-08-05 | 2019-12-10 | Mastercard International Incorporated | System and method for processing a transaction using account information on file |
| FR3055053A1 (fr) * | 2016-08-09 | 2018-02-16 | Auvercloud | Systeme et procede d'authentification sans mot de passe d'un utilisateur d'un systeme applicatif par un serveur central |
| US10699270B2 (en) | 2016-08-12 | 2020-06-30 | Visa International Service Association | Mirrored token vault |
| GB201613882D0 (en) * | 2016-08-12 | 2016-09-28 | Mastercard International Inc | Digital secure remote payment(DSRP) Enhancements when transacting with an authenticated merchant |
| US10558975B2 (en) * | 2016-08-17 | 2020-02-11 | Mastercard International Incorporated | Systems and methods for use in facilitating transactions |
| US10614456B2 (en) | 2016-08-18 | 2020-04-07 | Visa International Service Association | Dynamic cryptocurrency aliasing |
| US10402796B2 (en) | 2016-08-29 | 2019-09-03 | Bank Of America Corporation | Application life-cycle transition record recreation system |
| US10380662B2 (en) * | 2016-08-30 | 2019-08-13 | Ncr Corporation | Pre-verification processing |
| SG11201810431PA (en) * | 2016-08-30 | 2018-12-28 | Visa Int Service Ass | Biometric identification and verification among iot devices and applications |
| US20180068313A1 (en) | 2016-09-06 | 2018-03-08 | Apple Inc. | User interfaces for stored-value accounts |
| US10509779B2 (en) | 2016-09-14 | 2019-12-17 | Visa International Service Association | Self-cleaning token vault |
| EP3297242B1 (en) | 2016-09-20 | 2018-09-05 | Deutsche Telekom AG | A system and a method for providing a user with an access to different services of service providers |
| US20180082284A1 (en) * | 2016-09-20 | 2018-03-22 | Paypal, Inc. | Processing a transaction using a multiple-use token |
| EP3883216B1 (en) * | 2016-09-23 | 2024-08-21 | Apple Inc. | Managing credentials of multiple users on an electronic device |
| US20180089669A1 (en) * | 2016-09-23 | 2018-03-29 | American Express Travel Related Services Company. Inc. | Systems and Methods for an Electronic Payment System |
| US11468414B1 (en) | 2016-10-03 | 2022-10-11 | Wells Fargo Bank, N.A. | Systems and methods for establishing a pull payment relationship |
| US10423965B2 (en) * | 2016-10-17 | 2019-09-24 | Mufg Union Bank, N.A. | Method and apparatus for establishing and maintaining PCI DSS compliant transaction flows for banking entities leveraging non-EMV tokens |
| US11170365B2 (en) | 2016-10-19 | 2021-11-09 | Visa International Service Association | Digital wallet merchant-specific virtual payment accounts |
| US11113695B2 (en) * | 2016-11-15 | 2021-09-07 | Paypal, Inc. | Token-based determination of transaction processing resources |
| US20190122209A1 (en) * | 2016-11-15 | 2019-04-25 | Paypal, Inc. | Interoperable Token Issuance and Use in Transaction Processing |
| AU2017364118A1 (en) | 2016-11-28 | 2019-05-02 | Visa International Service Association | Access identifier provisioning to application |
| JP6917189B2 (ja) * | 2016-11-29 | 2021-08-11 | Ｌｉｎｅ株式会社 | 第１情報処理装置、情報処理プログラム、および情報処理方法 |
| JP6144815B1 (ja) * | 2016-11-29 | 2017-06-07 | Ｌｉｎｅ株式会社 | 情報処理方法、情報処理装置および情報処理プログラム |
| US20200250694A1 (en) * | 2016-12-12 | 2020-08-06 | Dosh Holdings, Inc. | Matching offers transactions across heterogeneous, multi-entity distributed computing platforms and settlement |
| US11551249B1 (en) | 2016-12-12 | 2023-01-10 | Dosh Holdings, Inc. | System for identifying and applying offers to user transactions |
| US11538052B1 (en) | 2016-12-12 | 2022-12-27 | Dosh Holdings, Inc. | System for generating and tracking offers chain of titles |
| US11488190B1 (en) | 2016-12-12 | 2022-11-01 | Dosh, Llc | System for sharing and transferring currency |
| US11526881B1 (en) | 2016-12-12 | 2022-12-13 | Dosh Holdings, Inc. | System for generating and tracking offers chain of titles |
| US10176472B1 (en) * | 2016-12-15 | 2019-01-08 | Worldpay, Llc | Systems and methods for tone to token telecommunications platform |
| US11113690B2 (en) * | 2016-12-22 | 2021-09-07 | Mastercard International Incorporated | Systems and methods for processing data messages from a user vehicle |
| US11423395B1 (en) * | 2016-12-29 | 2022-08-23 | Wells Fargo Bank, N.A. | Pay with points virtual card |
| US11315137B1 (en) * | 2016-12-29 | 2022-04-26 | Wells Fargo Bank, N.A. | Pay with points virtual card |
| US10762495B2 (en) * | 2016-12-30 | 2020-09-01 | Square, Inc. | Third-party access to secure hardware |
| US20190362348A1 (en) * | 2017-01-03 | 2019-11-28 | Visa International Service Association | Merchant enrollment for reverse payments |
| US20180197174A1 (en) * | 2017-01-06 | 2018-07-12 | Mastercard International Incorporated | Systems and Methods for Use in Facilitating Transactions to Payment Accounts |
| SG10201700562UA (en) * | 2017-01-23 | 2018-08-30 | Mastercard Asia Pacific Pte Ltd | Switch For Routing Payment Instruction |
| US11321681B2 (en) | 2017-02-06 | 2022-05-03 | Northern Trust Corporation | Systems and methods for issuing and tracking digital tokens within distributed network nodes |
| US11341488B2 (en) | 2017-02-06 | 2022-05-24 | Northern Trust Corporation | Systems and methods for issuing and tracking digital tokens within distributed network nodes |
| US20180232725A1 (en) * | 2017-02-14 | 2018-08-16 | Its, Inc. | Payment tokenization using separate token vault |
| US10608882B2 (en) * | 2017-02-16 | 2020-03-31 | International Business Machines Corporation | Token-based lightweight approach to manage the active-passive system topology in a distributed computing environment |
| KR101763203B1 (ko) * | 2017-02-21 | 2017-07-31 | (주)인더코어비즈니스플랫폼 | 영역별 사용자 인증시스템 |
| SG10201701882YA (en) * | 2017-03-08 | 2018-10-30 | Mastercard Asia Pacific Pte Ltd | Customer-initiated payment system and process |
| US10915899B2 (en) | 2017-03-17 | 2021-02-09 | Visa International Service Association | Replacing token on a multi-token user device |
| RU2727150C1 (ru) * | 2017-03-27 | 2020-07-21 | Мастеркард Интернэшнл Инкорпорейтед | Система списания и перечисления для x-pay цифровых кошельков |
| US20180285875A1 (en) * | 2017-03-31 | 2018-10-04 | Simon Law | Static token systems and methods for representing dynamic real credentials |
| US11010758B2 (en) * | 2017-04-10 | 2021-05-18 | Aptus Health, Inc. | Digital wallet notification systems and methods |
| EP3613008B1 (en) * | 2017-04-18 | 2024-10-30 | Tbcasoft, Inc. | Anonymity and traceability of digital property transactions on a distributed transaction consensus network |
| US11556936B1 (en) | 2017-04-25 | 2023-01-17 | Wells Fargo Bank, N.A. | System and method for card control |
| US10902418B2 (en) * | 2017-05-02 | 2021-01-26 | Visa International Service Association | System and method using interaction token |
| WO2018208324A1 (en) * | 2017-05-11 | 2018-11-15 | Mastercard International Incorporated | Systems and methods for assessing fees in connection with payment account transactions |
| US11494765B2 (en) | 2017-05-11 | 2022-11-08 | Visa International Service Association | Secure remote transaction system using mobile devices |
| WO2018216001A1 (en) * | 2017-05-25 | 2018-11-29 | Mir Limited | Dynamic verification method and system for card transactions |
| US10762520B2 (en) * | 2017-05-31 | 2020-09-01 | Paypal, Inc. | Encryption of digital incentive tokens within images |
| US10893306B2 (en) * | 2017-05-31 | 2021-01-12 | Paypal, Inc. | Digital encryption of tokens within videos |
| JP7093531B2 (ja) | 2017-06-02 | 2022-06-30 | ブルーフィン ペイメント システムズ エルエルシー | ウェブブラウザを介して決済端末を管理するシステム及び方法 |
| US11711350B2 (en) * | 2017-06-02 | 2023-07-25 | Bluefin Payment Systems Llc | Systems and processes for vaultless tokenization and encryption |
| WO2018223127A1 (en) * | 2017-06-02 | 2018-12-06 | Bluefin Payment Systems Llc | Systems and methods for online payment processing using secure inline frames |
| EP3416122A1 (en) * | 2017-06-15 | 2018-12-19 | IDEMIA France | Mobile payment roaming |
| US10511692B2 (en) | 2017-06-22 | 2019-12-17 | Bank Of America Corporation | Data transmission to a networked resource based on contextual information |
| US10313480B2 (en) | 2017-06-22 | 2019-06-04 | Bank Of America Corporation | Data transmission between networked resources |
| US10524165B2 (en) | 2017-06-22 | 2019-12-31 | Bank Of America Corporation | Dynamic utilization of alternative resources based on token association |
| US20190005488A1 (en) * | 2017-06-28 | 2019-01-03 | Goldman Sachs Bank Usa | Interface-Specific Account Identifiers |
| EP3649598A1 (en) * | 2017-07-05 | 2020-05-13 | Mastercard International Incorporated | System and methods for accepting dual function payment credential |
| US11062388B1 (en) | 2017-07-06 | 2021-07-13 | Wells Fargo Bank, N.A | Data control tower |
| US10491389B2 (en) | 2017-07-14 | 2019-11-26 | Visa International Service Association | Token provisioning utilizing a secure authentication system |
| US11580531B2 (en) * | 2017-08-25 | 2023-02-14 | Mastercard International Incorporated | Systems and methods for minimizing user interactions for cardholder authentication |
| KR102389678B1 (ko) | 2017-09-09 | 2022-04-21 | 애플 인크. | 생체측정 인증의 구현 |
| KR102185854B1 (ko) | 2017-09-09 | 2020-12-02 | 애플 인크. | 생체측정 인증의 구현 |
| US20190080319A1 (en) * | 2017-09-11 | 2019-03-14 | Jpmorgan Chase Bank, N.A. | Systems and methods for token vault synchronization |
| US11010759B1 (en) * | 2017-09-12 | 2021-05-18 | Wells Fargo Bank, N.A. | Vendor specific payment account identifier |
| WO2019055523A1 (en) * | 2017-09-13 | 2019-03-21 | Onvocal, Inc. | SYSTEM AND METHOD FOR ENHANCED CRM NETWORK INTERFACE AND SALES POINT |
| US11367070B2 (en) * | 2017-09-19 | 2022-06-21 | The Toronto-Dominion Bank | System and method for provisioning a data transfer application |
| CA3017883A1 (en) * | 2017-09-19 | 2019-03-19 | The Toronto-Dominion Bank | System and method for integrated application and provisioning |
| CA3017913A1 (en) * | 2017-09-19 | 2019-03-19 | The Toronto Dominion Bank | System and method for integrated application and provisioning |
| US11151547B2 (en) | 2017-09-20 | 2021-10-19 | Paypal, Inc. | Using a consumer digital wallet as a payment method in a merchant digital wallet |
| US10956905B2 (en) * | 2017-10-05 | 2021-03-23 | The Toronto-Dominion Bank | System and method of session key generation and exchange |
| US11080697B2 (en) | 2017-10-05 | 2021-08-03 | Mastercard International Incorporated | Systems and methods for use in authenticating users in connection with network transactions |
| US10839391B2 (en) | 2017-10-12 | 2020-11-17 | Samsung Electronics Co., Ltd. | Method and apparatus for secure offline payment |
| US10692077B2 (en) | 2017-10-25 | 2020-06-23 | Mastercard International Incorporated | Method and system for conveyance of machine readable code data via payment network |
| CA3081704A1 (en) | 2017-11-06 | 2019-05-09 | Connexpay Llc | Intelligent payment routing and payment generation |
| US11348116B2 (en) * | 2017-11-07 | 2022-05-31 | Mastercard International Incorporated | Systems and methods for enhancing online user authentication using a personal cloud platform |
| CN108134667B (zh) * | 2017-11-15 | 2021-05-11 | 中国银联股份有限公司 | 生成动态信用卡安全码的方法和设备、银行卡 |
| US11188887B1 (en) | 2017-11-20 | 2021-11-30 | Wells Fargo Bank, N.A. | Systems and methods for payment information access management |
| CN107979543A (zh) * | 2017-11-23 | 2018-05-01 | 中国银行股份有限公司 | 报文流量控制方法及系统 |
| US11301857B1 (en) * | 2017-11-27 | 2022-04-12 | United Services Automobile Association (Usaa) | Dynamic code payment card verification |
| US11429966B1 (en) | 2017-11-27 | 2022-08-30 | United Services Automobile Association (Usaa) | Dynamic code payment card verification methods and systems |
| JP6754750B2 (ja) * | 2017-12-01 | 2020-09-16 | 富士通エフ・アイ・ピー株式会社 | プログラム、情報処理装置、カード情報処理方法 |
| US10887301B1 (en) | 2017-12-12 | 2021-01-05 | United Services Automobile Association (Usaa) | Client registration for authorization |
| US20190188694A1 (en) * | 2017-12-18 | 2019-06-20 | Mastercard International Incorporated | Payment systems and methods with card-on-file tokenization |
| US11715099B2 (en) * | 2017-12-20 | 2023-08-01 | Mastercard International Incorporated | Method and system for trust-based payments via blockchain |
| US20190197518A1 (en) * | 2017-12-22 | 2019-06-27 | Mastercard Asia/Pacific Pte. Ltd. | System and method using stored value tokens |
| US11223480B2 (en) * | 2018-01-02 | 2022-01-11 | Cyberark Software Ltd. | Detecting compromised cloud-identity access information |
| US20190220850A1 (en) * | 2018-01-12 | 2019-07-18 | Mastercard International Incorporated | Systems and Methods for Use in Pairing Electronic Wallets |
| WO2019144042A2 (en) | 2018-01-21 | 2019-07-25 | CipherTrace, Inc. | Distributed security mechanism for blockchains and distributed ledgers |
| US12481987B2 (en) | 2018-01-21 | 2025-11-25 | CipherTrace, Inc | Verification systems for blockchains and distributed ledgers |
| US10692079B2 (en) * | 2018-01-24 | 2020-06-23 | Mastercard International Incorporated | Method and system barcode-enabled payments |
| CN110119941B (zh) * | 2018-02-07 | 2023-04-18 | 银联国际有限公司 | 移动支付系统以及移动支付方法 |
| US11295297B1 (en) | 2018-02-26 | 2022-04-05 | Wells Fargo Bank, N.A. | Systems and methods for pushing usable objects and third-party provisioning to a mobile wallet |
| CN111819555B (zh) | 2018-03-07 | 2025-07-22 | 维萨国际服务协会 | 利用在线认证的安全远程令牌发布 |
| WO2019173081A1 (en) * | 2018-03-08 | 2019-09-12 | Mastercard International Incorporated | Systems and methods for digitizing payment card accounts |
| AU2018412540B2 (en) * | 2018-03-08 | 2023-01-19 | Visa International Service Association | Method for providing data security using one-way token |
| US11687929B2 (en) * | 2018-03-23 | 2023-06-27 | American Express Travel Related Services Co., Inc. | Authenticated secure online and offline transactions |
| CN108509286B (zh) * | 2018-03-27 | 2022-09-27 | 中国银联股份有限公司 | 一种消息分类的处理方法及装置 |
| KR20230003382A (ko) | 2018-03-27 | 2023-01-05 | 비자 인터네셔널 서비스 어소시에이션 | 어플라이언스에 토큰을 인가하고 프로비저닝하기 위한 시스템 및 방법 |
| US10783234B2 (en) * | 2018-04-06 | 2020-09-22 | The Toronto-Dominion Bank | Systems for enabling tokenized wearable devices |
| KR102712955B1 (ko) * | 2018-04-12 | 2024-10-04 | 명지대학교 산학협력단 | 미디어사물인터넷의 거래 시스템 및 그 방법 |
| EP3785202A1 (en) * | 2018-04-23 | 2021-03-03 | Mobile Technology Holdings Limited | Transaction system and method |
| US11605071B2 (en) * | 2018-04-24 | 2023-03-14 | Duvon Corporation | Autonomous exchange via entrusted ledger key management |
| US10708261B2 (en) * | 2018-05-07 | 2020-07-07 | Vmware, Inc. | Secure gateway onboarding via mobile devices for internet of things device management |
| US11775955B1 (en) | 2018-05-10 | 2023-10-03 | Wells Fargo Bank, N.A. | Systems and methods for making person-to-person payments via mobile client application |
| US10742646B2 (en) * | 2018-05-10 | 2020-08-11 | Visa International Service Association | Provisioning transferable access tokens |
| US11074577B1 (en) | 2018-05-10 | 2021-07-27 | Wells Fargo Bank, N.A. | Systems and methods for making person-to-person payments via mobile client application |
| CN112136302B (zh) * | 2018-05-14 | 2023-05-30 | 维萨国际服务协会 | 移动网络运营商认证协议 |
| US11049112B2 (en) | 2018-05-24 | 2021-06-29 | Paypal, Inc. | Systems and methods facilitating chargebacks in electronic transactions |
| EP3576035A1 (en) * | 2018-05-29 | 2019-12-04 | Mastercard International Incorporated | Improvements relating to tokenisation of payment data |
| US11836718B2 (en) | 2018-05-31 | 2023-12-05 | CipherTrace, Inc. | Systems and methods for crypto currency automated transaction flow detection |
| US10909524B2 (en) | 2018-06-03 | 2021-02-02 | Apple Inc. | User interfaces for transfer accounts |
| US12008548B2 (en) | 2018-06-05 | 2024-06-11 | Jpmorgan Chase Bank , N.A. | Systems and methods for using a cryptogram lockbox |
| US12223502B2 (en) | 2018-06-18 | 2025-02-11 | First Data Corporation | Instant digital issuance |
| US11256789B2 (en) | 2018-06-18 | 2022-02-22 | Visa International Service Association | Recurring token transactions |
| US11727389B2 (en) * | 2018-06-18 | 2023-08-15 | Jpmorgan Chase Bank, N.A. | Systems and methods for managing third party tokens and transactions across issuer ecosystems |
| US11887080B2 (en) | 2018-06-18 | 2024-01-30 | First Data Corporation | Instant digital issuance |
| US10708050B2 (en) * | 2018-06-19 | 2020-07-07 | TokenEx, LLC | Multivariate encryption systems and methods |
| SG10201805337YA (en) * | 2018-06-21 | 2020-01-30 | Mastercard International Inc | Computer system and computer-implemented method for secure payment transaction |
| WO2019246539A1 (en) | 2018-06-22 | 2019-12-26 | Visa International Service Association | Secure remote transaction framework using dynamic secure checkout element |
| US20210264459A1 (en) * | 2018-07-19 | 2021-08-26 | Asia Top Loyalty Limited | A method of loyalty exchange transaction by using blockchain for reward point exchange |
| US11632360B1 (en) | 2018-07-24 | 2023-04-18 | Pure Storage, Inc. | Remote access to a storage device |
| SG11202101587SA (en) | 2018-08-22 | 2021-03-30 | Visa Int Service Ass | Method and system for token provisioning and processing |
| WO2020041722A1 (en) * | 2018-08-24 | 2020-02-27 | Mastercard International Incorporated | Systems and methods for secure remote commerce |
| US12045809B1 (en) | 2018-08-30 | 2024-07-23 | Wells Fargo Bank, N.A. | Biller consortium enrollment and transaction management engine |
| US12254463B1 (en) | 2018-08-30 | 2025-03-18 | Wells Fargo Bank, N.A. | Biller directory and payments engine architecture |
| US11301853B2 (en) | 2018-09-13 | 2022-04-12 | Paypal, Inc. | Speculative transaction operations for recognized devices |
| SG11202102621YA (en) | 2018-09-20 | 2021-04-29 | Visa Int Service Ass | Systems and methods for refreshing token data |
| US20200097959A1 (en) * | 2018-09-21 | 2020-03-26 | Mastercard International Incorporated | Payment transaction process employing dynamic account expiry and dynamic token verification code |
| SG11202103377WA (en) | 2018-10-08 | 2021-04-29 | Visa Int Service Ass | Techniques for token proximity transactions |
| KR102659649B1 (ko) * | 2018-10-15 | 2024-04-22 | 비자 인터네셔널 서비스 어소시에이션 | 이질적인 데이터 메시지용 민감한 데이터를 안전하게 통신하기 위한 기법 |
| EP3648033A1 (en) * | 2018-11-02 | 2020-05-06 | Mastercard International Incorporated | Retrieving hidden digital identifier |
| WO2020102484A1 (en) | 2018-11-14 | 2020-05-22 | Visa International Service Association | Cloud token provisioning of multiple tokens |
| US20200160298A1 (en) * | 2018-11-19 | 2020-05-21 | Mastercard International Incorporated | Methods and systems for linking tokenized data |
| US11546373B2 (en) * | 2018-11-20 | 2023-01-03 | CipherTrace, Inc. | Cryptocurrency based malware and ransomware detection systems and methods |
| US20200160344A1 (en) * | 2018-11-20 | 2020-05-21 | CipherTrace, Inc. | Blockchain Transaction Analysis and Anti-Money Laundering Compliance Systems and Methods |
| CA3062211A1 (en) | 2018-11-26 | 2020-05-26 | Mir Limited | Dynamic verification method and system for card transactions |
| EP3660771A1 (en) | 2018-11-29 | 2020-06-03 | Mastercard International Incorporated | Online authentication |
| US10936191B1 (en) | 2018-12-05 | 2021-03-02 | Pure Storage, Inc. | Access control for a computing system |
| WO2020123521A1 (en) * | 2018-12-10 | 2020-06-18 | Visa International Service Association | Two-dimensional code transaction processing common gateway |
| US11282076B2 (en) * | 2018-12-14 | 2022-03-22 | American Express Travel Related Services Company, Inc. | Transaction account data maintenance using blockchain |
| US11240030B2 (en) * | 2018-12-27 | 2022-02-01 | Paypal, Inc. | Token management layer for automating authentication during communication channel interactions |
| US20200210612A1 (en) * | 2019-01-02 | 2020-07-02 | International Business Machines Corporation | Policy based lifecycle management of personal information |
| US10521837B1 (en) | 2019-01-07 | 2019-12-31 | Capital One Services, Llc | Preemptive transaction analysis |
| US11210666B2 (en) | 2019-02-18 | 2021-12-28 | Visa International Service Association | System, method, and computer program product for updating and processing payment device transaction tokens |
| CN109949111B (zh) * | 2019-03-06 | 2023-12-08 | 深圳市智税链科技有限公司 | 电子票据标识分配方法、电子票据生成方法、装置及系统 |
| EP3712828A1 (en) * | 2019-03-19 | 2020-09-23 | Mastercard International Incorporated | Payment token mechanism |
| US11328352B2 (en) | 2019-03-24 | 2022-05-10 | Apple Inc. | User interfaces for managing an account |
| CN109993524B (zh) * | 2019-03-29 | 2024-07-23 | 深圳前海微众银行股份有限公司 | 卡券管理方法、装置、设备及计算机可读存储介质 |
| US11748744B2 (en) | 2019-04-03 | 2023-09-05 | First Data Corporation | Source independent consistent tokenization |
| US11341261B2 (en) * | 2019-04-05 | 2022-05-24 | Spideroak, Inc. | Integration of a block chain, managing group authority and access in an enterprise environment |
| SG10201903109YA (en) * | 2019-04-08 | 2020-11-27 | Mastercard International Inc | Methods and systems for facilitating access of interchange parameters to a plurality of digital applications |
| KR20220013548A (ko) * | 2019-04-17 | 2022-02-04 | 시커런시 인크 | 토큰화된 자산과 관련된 데이터를 관리하기 위한 데이터 저장 및 검색 시스템을 구성하는 시스템, 방법 및 저장장치 |
| CN111861451B (zh) * | 2019-04-25 | 2024-06-18 | 刘永乐 | 离线交易的方法、客户端设备及pos机 |
| US11521207B2 (en) * | 2019-04-26 | 2022-12-06 | Mastercard International Incorporated | Tokenization request handling at a throttled rate in a payment network |
| US11544706B2 (en) * | 2019-04-26 | 2023-01-03 | Discover Financial Services | Multi-token provisioning, online purchase transaction processing, and card life cycle management systems and methods |
| DK201970531A1 (en) | 2019-05-06 | 2021-07-09 | Apple Inc | Avatar integration with multiple applications |
| EP4018618B1 (en) * | 2019-05-13 | 2025-11-19 | Bluefin Payment Systems, LLC | System and method for vaultless tokenization and encryption |
| US20200364354A1 (en) * | 2019-05-17 | 2020-11-19 | Microsoft Technology Licensing, Llc | Mitigation of ransomware in integrated, isolated applications |
| WO2020236135A1 (en) | 2019-05-17 | 2020-11-26 | Visa International Service Association | Virtual access credential interaction system and method |
| US11227354B2 (en) | 2019-05-20 | 2022-01-18 | The Toronto-Dominion Bank | Integration of workflow with digital ID |
| US11727403B2 (en) | 2019-05-20 | 2023-08-15 | Samsung Electronics Co., Ltd. | System and method for payment authentication |
| US11403640B2 (en) * | 2019-05-21 | 2022-08-02 | Jpmorgan Chase Bank, N.A. | Mobile payment fraudulent device list |
| US11481094B2 (en) | 2019-06-01 | 2022-10-25 | Apple Inc. | User interfaces for location-related communications |
| US11477609B2 (en) | 2019-06-01 | 2022-10-18 | Apple Inc. | User interfaces for location-related communications |
| US11551190B1 (en) | 2019-06-03 | 2023-01-10 | Wells Fargo Bank, N.A. | Instant network cash transfer at point of sale |
| SG11202109017YA (en) * | 2019-06-12 | 2021-09-29 | Visa Int Service Ass | System and method for authorizing a transaction |
| US11989771B2 (en) * | 2019-06-14 | 2024-05-21 | Fevo, Inc. | Systems and methods of group electronic commerce and distribution of items |
| US11574365B2 (en) * | 2019-06-17 | 2023-02-07 | Optum, Inc. | Token-based pre-approval systems and methods for payment request submissions |
| US11025732B2 (en) * | 2019-06-17 | 2021-06-01 | Vmware, Inc. | Method and apparatus to perform user authentication during cloud provider sessions |
| US11016807B2 (en) | 2019-06-18 | 2021-05-25 | Target Brands, Inc. | Intermediary system for data streams |
| US12136086B2 (en) * | 2019-06-18 | 2024-11-05 | Visa International Service Association | Cross-border quick response (QR) payment flow for encrypted primary account number (PAN) payment flow |
| US11810105B2 (en) | 2019-06-20 | 2023-11-07 | Visa International Service Association | System and method for authorizing and provisioning a token to an appliance |
| US12159279B2 (en) * | 2019-07-03 | 2024-12-03 | Visa International Service Association | Mobile-OTP based authorisation of transactions |
| US11694187B2 (en) | 2019-07-03 | 2023-07-04 | Capital One Services, Llc | Constraining transactional capabilities for contactless cards |
| US12166884B2 (en) | 2019-07-05 | 2024-12-10 | Visa International Service Association | System, method, and computer program product for third-party authorization |
| US12456116B2 (en) | 2019-07-18 | 2025-10-28 | Visa International Service Association | System and method utilizing chain of trust |
| US11379835B2 (en) * | 2019-07-31 | 2022-07-05 | Visa International Service Association | System, method, and computer program product to ensure data integrity for conducting a payment transaction |
| US12271902B2 (en) | 2019-08-02 | 2025-04-08 | Visa International Service Association | Non-native account processing |
| US11296862B2 (en) | 2019-08-29 | 2022-04-05 | Visa International Service Association | Provisioning method and system with message conversion |
| CN114467108A (zh) | 2019-08-30 | 2022-05-10 | 森斯通株式会社 | 基于虚拟代码的交易系统、方法及程序 |
| KR102346701B1 (ko) * | 2019-08-30 | 2022-01-03 | 주식회사 센스톤 | 가상카드번호 기반의 금융거래장치, 가상카드번호 기반의 금융거래제공방법 및 가상카드번호 기반의 금융거래제공프로그램 |
| US11790471B2 (en) | 2019-09-06 | 2023-10-17 | United States Postal Service | System and method of providing identity verification services |
| US11854005B2 (en) | 2019-09-09 | 2023-12-26 | TBOL, Inc. | Embedded data transaction exchange platform |
| US11599871B1 (en) | 2019-09-18 | 2023-03-07 | Wells Fargo Bank, N.A. | Systems and methods for a transaction card having a cryptographic key |
| CN110691087B (zh) * | 2019-09-29 | 2022-03-01 | 北京搜狐新媒体信息技术有限公司 | 一种访问控制方法、装置、服务器及存储介质 |
| EP4300277A3 (en) | 2019-09-29 | 2024-03-13 | Apple Inc. | Account management user interfaces |
| US11169830B2 (en) | 2019-09-29 | 2021-11-09 | Apple Inc. | Account management user interfaces |
| EP4038564A4 (en) * | 2019-10-01 | 2023-10-25 | Mastercard International Incorporated | DEVICE-BASED TRANSACTION AUTHORIZATION |
| US11171945B2 (en) | 2019-10-16 | 2021-11-09 | Capital One Services, Llc | Time-based token trust depreciation |
| WO2021076829A1 (en) * | 2019-10-18 | 2021-04-22 | Mastercard International Incorporated | Methods and systems for provisioning consumer payment credentials to token requestors |
| EP3813265A1 (en) * | 2019-10-24 | 2021-04-28 | Mastercard International Incorporated | Data processing apparatuses and methods |
| US20230342776A1 (en) | 2019-10-28 | 2023-10-26 | Visa International Service Association | Combined token and value assessment processing |
| US11367059B2 (en) | 2019-10-31 | 2022-06-21 | The Toronto-Dominion Bank | Integrated credit application and merchant transaction including concurrent visualization of transaction details |
| CN111047307B (zh) * | 2019-11-11 | 2021-10-15 | 网联清算有限公司 | 支付交易处理系统、支付交易处理方法及装置 |
| US11023871B1 (en) | 2019-11-26 | 2021-06-01 | Capital One Services, Llc | Authenticating a customer to a risk level using an authorization token |
| US12217243B1 (en) * | 2019-11-27 | 2025-02-04 | Worldpay, Llc | Methods and systems for securely facilitating cross-platform token compatibility via multi-tokenization |
| US11610187B2 (en) * | 2019-12-11 | 2023-03-21 | Visa International Service Association | Private label token provisioning for electronic payment transaction processing networks |
| US11477164B2 (en) * | 2019-12-12 | 2022-10-18 | Visa International Service Association | Method, system, and computer program product for preventing transmission of malicious data |
| WO2021119619A1 (en) * | 2019-12-13 | 2021-06-17 | Visa International Service Association | Plan interaction utilizing cryptogram |
| EP4073975A4 (en) * | 2019-12-13 | 2023-01-18 | Visa International Service Association | TOKEN ADMINISTRATION SYSTEM AND PROCEDURES |
| US12333525B1 (en) * | 2019-12-18 | 2025-06-17 | Worldpay, Llc | Systems and methods for dynamic application of tokens in credit authorization |
| EP4078924B1 (en) * | 2019-12-20 | 2024-11-27 | Visa International Service Association | Method and system for token gateway |
| US11811938B2 (en) | 2019-12-20 | 2023-11-07 | Micro Focus Llc | Tokenization of arbitrary data types |
| 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 |
| US10992738B1 (en) | 2019-12-31 | 2021-04-27 | Cardlytics, Inc. | Transmitting interactive content for rendering by an application |
| CN111242594B (zh) * | 2020-01-13 | 2021-11-16 | 支付宝实验室(新加坡)有限公司 | 跨地域离线支付的注册、付款方法和装置 |
| US10956591B1 (en) | 2020-01-27 | 2021-03-23 | Capital One Services, Llc | High performance tokenization platform for sensitive data |
| EP3872733A1 (en) | 2020-02-26 | 2021-09-01 | Mastercard International Incorporated | Communication of sensitive data in restricted data channel |
| RU2739262C1 (ru) * | 2020-04-05 | 2020-12-23 | Эрвью.ТВ, Инк. | Способ управления предъявлением информации |
| WO2021222780A1 (en) * | 2020-04-30 | 2021-11-04 | Visa International Service Association | Token-for-token provisioning |
| US20210406395A1 (en) * | 2020-06-26 | 2021-12-30 | APPDIRECT, Inc. | Personal information vault |
| CN111784342B (zh) * | 2020-06-28 | 2023-08-25 | 广东金宇恒软件科技有限公司 | 一种基于大数据集中支付动态监控管理系统 |
| US11663563B2 (en) * | 2020-07-07 | 2023-05-30 | Mastercard International Incorporated | Methods and systems of providing interoperability between incompatible payment systems |
| US11928686B2 (en) * | 2020-07-13 | 2024-03-12 | Royal Bank Of Canada | Secure identity data tokenization and processing |
| US20220027907A1 (en) * | 2020-07-21 | 2022-01-27 | Bank Of America Corporation | Secure process to avoid storing payment credentials |
| US11568596B2 (en) * | 2020-07-23 | 2023-01-31 | Salesforce.Com, Inc. | Non-blocking token authentication cache |
| WO2022031592A1 (en) | 2020-08-05 | 2022-02-10 | Mastercard International Incorporated | Systems and methods relating tokenization |
| WO2022031491A1 (en) * | 2020-08-05 | 2022-02-10 | Mastercard International Incorporated | Systems and methods for use in identifying network interactions |
| CA3189171A1 (en) * | 2020-08-13 | 2022-02-17 | Alan John MAYO | Identity authentication |
| GB2598108A (en) | 2020-08-17 | 2022-02-23 | Mastercard International Inc | Card reader, smart card and method for processing a transaction |
| US12045375B2 (en) | 2020-08-24 | 2024-07-23 | Analog Devices, Inc. | Techniques of tracking software usage on a remote device |
| US10992606B1 (en) | 2020-09-04 | 2021-04-27 | Wells Fargo Bank, N.A. | Synchronous interfacing with unaffiliated networked systems to alter functionality of sets of electronic assets |
| US12450591B1 (en) | 2020-09-16 | 2025-10-21 | Wells Fargo Bank, N.A. | Systems and methods for contactless card activation via unique activation codes |
| US11880838B2 (en) * | 2020-10-07 | 2024-01-23 | Mastercard International Incorporated | Systems and methods for use in promoting hash key account access |
| WO2022081965A1 (en) * | 2020-10-15 | 2022-04-21 | Diebold Nixdorf, Incorporated | Financial transaction system and method |
| AU2021382569A1 (en) * | 2020-11-19 | 2023-06-15 | Composecure, Llc | Method and system for generating a dynamic card verification value for processing a transaction |
| US11423392B1 (en) | 2020-12-01 | 2022-08-23 | Wells Fargo Bank, N.A. | Systems and methods for information verification using a contactless card |
| US20220198440A1 (en) * | 2020-12-18 | 2022-06-23 | Visa International Service Association | Method, System, and Computer Program Product for Generating a Token for a User Based on Another Token of Another User |
| EP4016427A1 (fr) * | 2020-12-21 | 2022-06-22 | Thales Dis France SAS | Procede pour la creation d'un instrument de paiement au profit d'un tiers beneficiaire |
| EP4272369A4 (en) | 2020-12-29 | 2024-11-27 | Ciphertrace, Inc. | Systems and methods for correlating cryptographic addresses between blockchain networks |
| US11546338B1 (en) | 2021-01-05 | 2023-01-03 | Wells Fargo Bank, N.A. | Digital account controls portal and protocols for federated and non-federated systems and devices |
| US20240303635A1 (en) * | 2021-01-13 | 2024-09-12 | Visa International Service Association | Token-based off-chain interaction authorization |
| US12316621B1 (en) * | 2021-01-13 | 2025-05-27 | Whatsapp, Llc | Authenticating anonymous information |
| US12026789B2 (en) | 2021-02-08 | 2024-07-02 | CipherTrace, Inc. | Systems and methods of forensic analysis of cryptocurrency transactions |
| US12141800B2 (en) | 2021-02-12 | 2024-11-12 | Visa International Service Association | Interaction account tokenization system and method |
| EP4295299A4 (en) * | 2021-02-18 | 2024-12-25 | Visa International Service Association | TOKEN-BASED SYSTEM FOR VALUE TRANSFERS |
| US20220276996A1 (en) * | 2021-02-27 | 2022-09-01 | International Business Machines Corporation | Assessment node and token assessment container |
| US11669834B2 (en) * | 2021-03-02 | 2023-06-06 | Mastercard International Incorporated | Contactless payment technology with payment card network to open banking network conversion |
| JP2022136743A (ja) * | 2021-03-08 | 2022-09-21 | 富士通株式会社 | 情報処理プログラム、情報処理方法、情報処理装置および情報処理システム |
| US20220366460A1 (en) * | 2021-05-17 | 2022-11-17 | State Farm Mutual Automobile Insurance Company | Multi-channel communication analysis and performance |
| US20220374896A1 (en) * | 2021-05-18 | 2022-11-24 | Mastercard Asia/Pacific Pte Ltd. | Identity, Payment and Access Control System |
| EP4341880A1 (en) * | 2021-05-19 | 2024-03-27 | First Data Corporation | Instant digital issuance |
| US12380431B2 (en) | 2021-05-24 | 2025-08-05 | Mastercard International Incorporated | Systems, methods and computer program products for asynchronous authentication of digital wallet based payment transactions |
| CN113347665B (zh) * | 2021-05-31 | 2023-12-19 | 中国银行股份有限公司 | 网关系统中实时交易量控制方法及装置 |
| CN117501268A (zh) * | 2021-06-22 | 2024-02-02 | 维萨国际服务协会 | 用于处理动作数据的方法和系统 |
| US11743040B2 (en) * | 2021-06-25 | 2023-08-29 | Bank Of America Corporation | Vault encryption abstraction framework system |
| TWI825438B (zh) * | 2021-06-28 | 2023-12-11 | 中國信託商業銀行股份有限公司 | 數位文件產生方法與數位文件產生設備 |
| US12073386B1 (en) * | 2021-07-08 | 2024-08-27 | Wells Fargo Bank, N.A. | Digital asset vault |
| US11569999B1 (en) * | 2021-07-09 | 2023-01-31 | Micro Focus Llc | Dynamic tokenization table exchange |
| IL285030B (en) * | 2021-07-21 | 2022-04-01 | Nayax Ltd | System, device and method for digital payment |
| US12229735B1 (en) | 2021-08-17 | 2025-02-18 | Wells Fargo Bank, N.A. | Multi-modal parameterization of digital tokens involving multiple entities in defined networks |
| WO2023034655A1 (en) * | 2021-09-03 | 2023-03-09 | Verifone, Inc. | Systems and methods for open banking based-subscription via a universal gateway |
| US11798001B2 (en) | 2021-09-20 | 2023-10-24 | International Business Machines Corporation | Progressively validating access tokens |
| US20230110546A1 (en) * | 2021-09-24 | 2023-04-13 | The Toronto-Dominion Bank | Digital identity network gateway |
| JP2023055558A (ja) * | 2021-10-06 | 2023-04-18 | 三井住友カード株式会社 | 買い物代行システムおよび方法 |
| US11995621B1 (en) | 2021-10-22 | 2024-05-28 | Wells Fargo Bank, N.A. | Systems and methods for native, non-native, and hybrid registration and use of tags for real-time services |
| US11962573B2 (en) * | 2021-10-26 | 2024-04-16 | Genetec Inc | System and method for providing access to secured content field |
| EP4181044A1 (en) * | 2021-11-16 | 2023-05-17 | Mastercard International Incorporated | Pre-authenticated token for use in payment transactions and data access |
| US20230153795A1 (en) * | 2021-11-17 | 2023-05-18 | Jpmorgan Chase Bank, N.A. | Systems and methods for use and management of issuer provided payment tokens |
| CN114091102B (zh) * | 2021-11-25 | 2025-02-14 | 浙江宇视科技有限公司 | 一种终端隐私保护方法、装置、存储介质及电子设备 |
| CN114143278B (zh) * | 2021-11-26 | 2024-02-23 | 中国银行股份有限公司 | 核心系统支持外围系统国密升级的报文处理方法及服务器 |
| WO2023094895A1 (en) * | 2021-11-29 | 2023-06-01 | Corco Systems A.S. | Economy support method and device for performing this method |
| US12003500B2 (en) | 2021-12-03 | 2024-06-04 | Visa International Service Association | Token processing system and method |
| US20230177478A1 (en) * | 2021-12-08 | 2023-06-08 | Bank Of America Corporation | System and method for facilitating transfer of resource credentials associated with resource distribution |
| US12287855B2 (en) * | 2021-12-10 | 2025-04-29 | Paypal, Inc. | Tokenization for cascading user updates |
| US12278903B2 (en) * | 2021-12-30 | 2025-04-15 | Mastercard International Incorporated | Systems and methods for use in implementing self-exclusion preferences |
| US12003640B2 (en) * | 2022-01-06 | 2024-06-04 | Visa International Service Association | Efficient token provisioning system and method |
| US11973871B2 (en) | 2022-01-20 | 2024-04-30 | Visa International Service Association | Domain validations using verification values |
| US20230237464A1 (en) * | 2022-01-20 | 2023-07-27 | Mastercard International Incorporated | System and Method for Providing Transaction Report Data Using A User Device |
| CN114448706B (zh) * | 2022-02-08 | 2024-05-17 | 恒安嘉新（北京）科技股份公司 | 一种单包授权方法、装置、电子设备及存储介质 |
| US12288213B2 (en) | 2022-03-16 | 2025-04-29 | Mastercard International Incorporated | Systems, methods and computer program products for secure contactless payment transactions |
| US11836690B1 (en) | 2022-04-12 | 2023-12-05 | Wells Fargo Bank, N.A. | Systems and methods for private network issuance of digital currency |
| US12155641B1 (en) | 2022-04-15 | 2024-11-26 | Wells Fargo Bank, N.A. | Network access tokens and meta-application programming interfaces for enhanced inter-enterprise system data promulgation and profiling |
| GB2618071A (en) * | 2022-04-21 | 2023-11-01 | Mastercard International Inc | A multiple payment tokenized digital transaction authentication method |
| US11695772B1 (en) * | 2022-05-03 | 2023-07-04 | Capital One Services, Llc | System and method for enabling multiple auxiliary use of an access token of a user by another entity to facilitate an action of the user |
| GB202208742D0 (en) * | 2022-06-14 | 2022-07-27 | Tintra 3 0 Ltd | Authentication and association of multi-platform accounts and method of obfuscating senstive personal data in processes requiring personal identification |
| CN119605125A (zh) | 2022-07-05 | 2025-03-11 | 维萨国际服务协会 | 用于非同质化代币的令牌服务 |
| US12243092B2 (en) | 2022-07-15 | 2025-03-04 | Fevo, Inc. | Inventory management system protection for network traffic surge resistant platform |
| JP7572404B2 (ja) * | 2022-07-19 | 2024-10-23 | 株式会社ジェーシービー | 情報処理プログラム、情報処理システム、情報処理方法 |
| US20240037550A1 (en) * | 2022-07-29 | 2024-02-01 | Ncr Corporation | Information encoding and transmission techniques |
| US11948149B1 (en) | 2022-09-06 | 2024-04-02 | Capital One Services, Llc | Systems and methods for virtual certification number source verification |
| EP4584742A1 (en) * | 2022-09-06 | 2025-07-16 | Capital One Services, LLC | Systems and methods for virtual certification number registration |
| US20240104647A1 (en) * | 2022-09-26 | 2024-03-28 | Affirm, Inc. | Method and apparatus for mapping of planned purchases with pre-approved financing terms to financial transactions |
| US12301718B2 (en) | 2022-12-05 | 2025-05-13 | Visa International Service Association | NFT interaction processing system and method |
| JP7678261B2 (ja) * | 2022-12-16 | 2025-05-16 | グリーホールディングス株式会社 | 情報処理システム、情報処理方法、認証システム、及びプログラム |
| US12512990B2 (en) * | 2023-01-19 | 2025-12-30 | Bank Of America Corporation | System and method for implementing token-based authentication of text messages |
| US12293372B2 (en) * | 2023-02-14 | 2025-05-06 | AXS Group LLC | Systems and methods for deterring bot access of computer resource |
| WO2024178342A1 (en) * | 2023-02-24 | 2024-08-29 | Obrien Maxwell P | Systems and methods for anti-fraud and redundant token distribution and management |
| JP7570444B2 (ja) * | 2023-03-07 | 2024-10-21 | 株式会社ジェーシービー | 決済支援プログラム、決済支援システム、及び決済支援方法 |
| EP4435699A1 (en) * | 2023-03-21 | 2024-09-25 | Giesecke+Devrient advance52 GmbH | Secure transaction unit, token reference register, electronic payment transaction system and method for registering of token |
| US20240330912A1 (en) * | 2023-03-29 | 2024-10-03 | The Clearing House Payments Company | Secure token exchange and controls and interfaces therefor |
| WO2024226411A1 (en) * | 2023-04-28 | 2024-10-31 | Mastercard International Incorporated | Systems and methods for use in provisioning tokens for unsupported accounts |
| US20240370852A1 (en) * | 2023-05-05 | 2024-11-07 | Early Warning Services, Llc | Systems and methods for processing, facilitating, providing, or using online checkout using a shared wallet across issuers |
| EP4471695A1 (en) * | 2023-05-31 | 2024-12-04 | Giesecke+Devrient advance52 GmbH | Secure transaction unit, token reference register, electronic payment transaction system and method for registering tokens in a token reference register |
| IT202300013695A1 (it) * | 2023-06-30 | 2024-12-30 | Mastercard International Inc | Metodo e sistema per registrazione di una carta di pagamento |
| WO2025014518A1 (en) * | 2023-07-10 | 2025-01-16 | Visa International Service Association | System and method for remote transaction processing |
| US12470401B2 (en) | 2023-07-31 | 2025-11-11 | Dell Products L.P. | Onboarding data processing systems using trusted tokens |
| US20250045436A1 (en) * | 2023-07-31 | 2025-02-06 | Dell Products L.P. | Multi-domain onboarding of data processing systems |
| US12532163B2 (en) | 2023-07-31 | 2026-01-20 | Dell Products L.P. | Onboarding of devices in distributed systems using wireless networks |
| EP4517629B1 (en) * | 2023-08-29 | 2025-12-31 | Giesecke+Devrient advance52 GmbH | SECURE TOKEN WALLET AND ELECTRONIC TRANSACTION SYSTEM |
| US20250088360A1 (en) * | 2023-09-07 | 2025-03-13 | Oracle International Corporation | Token exchange service for customer workloads |
| US12500879B2 (en) | 2023-11-08 | 2025-12-16 | Paypal, Inc. | Provisioning of electronic tokens |
| WO2025147250A1 (en) * | 2024-01-04 | 2025-07-10 | Visa International Service Association | Tap to provision device binding technique |
| US20250225529A1 (en) * | 2024-01-10 | 2025-07-10 | Mastercard International Incorporated | Protections for stored data |
| US12106590B1 (en) | 2024-02-22 | 2024-10-01 | Capital One Services, Llc | Managed video capture |
| US20250299181A1 (en) * | 2024-03-20 | 2025-09-25 | Jpmorgan Chase Bank, N.A. | Systems and methods for token versioning and reissue |
| US20250342456A1 (en) * | 2024-05-06 | 2025-11-06 | Capital One Services, Llc | Sytems and methods to perform registration operations with contactless cards |
| US20250363230A1 (en) * | 2024-05-23 | 2025-11-27 | The Travelers Indemnity Company | Secrets manager |
| US20250378440A1 (en) * | 2024-06-07 | 2025-12-11 | Apple Inc. | Techniques for alternative data exchange mechanisms at terminal devices |
| CN118740389B (zh) * | 2024-06-14 | 2025-05-27 | 杭州健康在线信息技术有限公司 | 一种安全接入方法和系统 |
| EP4672120A1 (en) * | 2024-06-28 | 2025-12-31 | Mastercard International Incorporated | MANAGEMENT AND USE OF IDENTITY DOCUMENTS IN A DISTRIBUTED SYSTEM |
| US12530666B2 (en) | 2024-07-08 | 2026-01-20 | Capital One Services, Llc | Interactive transaction tracker |
| EP4685721A1 (de) * | 2024-07-25 | 2026-01-28 | DG Nexolution eG | Verfahren zur übertragung von digitalen token |
| US12236700B1 (en) | 2024-07-26 | 2025-02-25 | Capital One Services, Llc | System for automatically processing documents |
| US12499444B1 (en) * | 2025-02-24 | 2025-12-16 | Nulliti Corporation | Cross-platform system for secure digital transactions using integrated passkeys, user data tokens and cryptographic binding |
Family Cites Families (515)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| JPH0342920Y2 (ru) | 1985-09-13 | 1991-09-09 | ||
| JPH0218244Y2 (ru) | 1985-10-01 | 1990-05-22 | ||
| US5613012A (en) | 1994-11-28 | 1997-03-18 | Smarttouch, Llc. | Tokenless identification system for authorization of electronic transactions and electronic transmissions |
| 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 |
| 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 |
| US6014635A (en) | 1997-12-08 | 2000-01-11 | Shc Direct, Inc. | System and method for providing a discount credit transaction network |
| US6453306B1 (en) * | 1998-01-26 | 2002-09-17 | Ict Software S.A. | Internet commerce method and apparatus |
| 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 |
| US6327578B1 (en) * | 1998-12-29 | 2001-12-04 | International Business Machines Corporation | Four-party credit/debit payment protocol |
| PT1153375E (pt) * | 1999-02-18 | 2003-06-30 | Orbis Patents Ltd | Sistema e metodo para cartoes de credito |
| 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 |
| 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 |
| WO2001035304A1 (en) | 1999-11-10 | 2001-05-17 | Krasnyansky Serge M | On-line payment system |
| WO2001045056A1 (en) | 1999-12-17 | 2001-06-21 | Chantilley Corporation Limited | Secure transaction systems |
| US7426750B2 (en) | 2000-02-18 | 2008-09-16 | Verimatrix, Inc. | Network-based content distribution system |
| 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 |
| AU2001243473A1 (en) | 2000-03-07 | 2001-09-17 | American Express Travel Related Services Company, Inc. | System for facilitating a transaction |
| US6999943B1 (en) * | 2000-03-10 | 2006-02-14 | Doublecredit.Com, Inc. | Routing methods and systems for increasing payment transaction volume and profitability |
| EP1269429A2 (en) | 2000-03-15 | 2003-01-02 | Mastercard International, Inc. | Method and system for secure payments over a computer network |
| JP2001344545A (ja) * | 2000-03-29 | 2001-12-14 | Ibm Japan Ltd | 処理システム、サーバ、処理端末、通信端末、処理方法、データ管理方法、処理実行方法、プログラム |
| JP2010165374A (ja) * | 2000-03-29 | 2010-07-29 | Sojitz Corp | 与信機能を備えた匿名電子商取引システム及び方法 |
| 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 |
| US6990470B2 (en) | 2000-04-11 | 2006-01-24 | Mastercard International Incorporated | Method and system for conducting secure payments over a computer network |
| US20100223186A1 (en) | 2000-04-11 | 2010-09-02 | Hogan Edward J | Method and System for Conducting Secure Payments |
| US7379919B2 (en) | 2000-04-11 | 2008-05-27 | Mastercard International Incorporated | Method and system for conducting secure payments over a computer network |
| 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 |
| CA2305249A1 (en) | 2000-04-14 | 2001-10-14 | Branko Sarcanin | Virtual safe |
| US8046256B2 (en) | 2000-04-14 | 2011-10-25 | American Express Travel Related Services Company, Inc. | System and method for using loyalty rewards as currency |
| 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 |
| US7778934B2 (en) * | 2000-04-17 | 2010-08-17 | Verisign, Inc. | Authenticated payment |
| US6592044B1 (en) | 2000-05-15 | 2003-07-15 | Jacob Y. Wong | Anonymous electronic card for generating personal coupons useful in commercial and security transactions |
| WO2001092989A2 (en) | 2000-05-26 | 2001-12-06 | Interchecks, Llc | Methods and systems for network based electronic purchasing system |
| WO2001093129A1 (en) * | 2000-05-29 | 2001-12-06 | Enet Ltd. | Credit information inquiry system and credit information inquiry method |
| JP2002007921A (ja) * | 2000-06-23 | 2002-01-11 | Hitachi Ltd | インターネットを利用したクレジットカード決済方法 |
| US6891953B1 (en) | 2000-06-27 | 2005-05-10 | Microsoft Corporation | Method and system for binding enhanced software features to a persona |
| EP1299866A2 (en) | 2000-07-10 | 2003-04-09 | Mastercard International, Inc. | Method and system for conducting secure electronic commerce transactions with authorization request data loop-back |
| US6938019B1 (en) | 2000-08-29 | 2005-08-30 | Uzo Chijioke Chukwuemeka | Method and apparatus for making secure electronic payments |
| WO2002019225A1 (en) | 2000-09-01 | 2002-03-07 | Infospace, Inc. | Method and system for facilitating the transfer of funds utilizing a telephonic identifier |
| 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 |
| 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 |
| US7809650B2 (en) | 2003-07-01 | 2010-10-05 | Visa U.S.A. Inc. | Method and system for providing risk information in connection with transaction processing |
| US6915279B2 (en) | 2001-03-09 | 2005-07-05 | Mastercard International Incorporated | System and method for conducting secure payment transactions |
| 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 |
| AU2002244883A1 (en) | 2001-03-26 | 2002-10-08 | David Bruce Burstein | Transaction authorisation system |
| US20020147913A1 (en) | 2001-04-09 | 2002-10-10 | Lun Yip William Wai | Tamper-proof mobile commerce system |
| US7650314B1 (en) | 2001-05-25 | 2010-01-19 | American Express Travel Related Services Company, Inc. | System and method for securing a recurrent billing transaction |
| US8060448B2 (en) | 2001-05-30 | 2011-11-15 | Jones Thomas C | Late binding tokens |
| JP2002366869A (ja) * | 2001-06-11 | 2002-12-20 | Sony Corp | 電子商取引支援方法及びそれを用いた電子商取引方法 |
| 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 |
| US20060237528A1 (en) | 2001-07-10 | 2006-10-26 | Fred Bishop | Systems and methods for non-traditional payment |
| 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 |
| US20030115490A1 (en) | 2001-07-12 | 2003-06-19 | Russo Anthony P. | Secure network and networked devices using biometrics |
| 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 |
| US7195154B2 (en) * | 2001-09-21 | 2007-03-27 | Privasys, Inc. | Method for generating customer secure card numbers |
| US7103576B2 (en) | 2001-09-21 | 2006-09-05 | First Usa Bank, Na | System for providing cardless payment |
| 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 |
| US20030115142A1 (en) * | 2001-12-12 | 2003-06-19 | Intel Corporation | Identity authentication portfolio system |
| 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 |
| AUPS087602A0 (en) | 2002-03-04 | 2002-03-28 | Ong, Yong Kin (Michael) | Electronic fund transfer system |
| 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 |
| AU2003230751A1 (en) | 2002-03-29 | 2003-10-13 | Bank One, Delaware, N.A. | System and process for performing purchase transaction using tokens |
| 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 |
| 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 |
| US7801826B2 (en) | 2002-08-08 | 2010-09-21 | Fujitsu Limited | Framework and system for purchasing of goods and services |
| 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 |
| 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 |
| AU2003296927A1 (en) | 2002-11-05 | 2004-06-07 | Todd Silverstein | Remote purchasing system and method |
| 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 |
| EP1646976A4 (en) * | 2003-06-04 | 2008-02-27 | Mastercard International Inc | CUSTOMER AUTHENTICATION IN ELECTRONIC COMMERCIAL TRANSACTIONS |
| GB0318000D0 (en) | 2003-07-31 | 2003-09-03 | Ncr Int Inc | Mobile applications |
| 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 |
| RU2263347C2 (ru) | 2003-11-04 | 2005-10-27 | Общество с ограниченной ответственностью "Мобилити" | Способ совершения платежных операций пользователями мобильных устройств электронной связи и компьютерная система безналичного расчета для его осуществления |
| 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 |
| US20050149440A1 (en) * | 2003-12-23 | 2005-07-07 | Leslie Michelassi | Systems and methods for routing requests for reconcilement information |
| JP5043442B2 (ja) | 2004-01-20 | 2012-10-10 | 金 富 黄 | ロック付き銀行コンピュータ口座システム |
| 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 |
| US12260396B2 (en) * | 2010-01-08 | 2025-03-25 | Blackhawk Network, Inc. | System for payment via electronic wallet |
| US20050269401A1 (en) | 2004-06-03 | 2005-12-08 | Tyfone, Inc. | System and method for securing financial transactions |
| US20050269402A1 (en) | 2004-06-03 | 2005-12-08 | Tyfone, Inc. | System and method for securing financial transactions |
| US7272728B2 (en) | 2004-06-14 | 2007-09-18 | Iovation, Inc. | Network security and fraud detection system and method |
| 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 |
| US20110029504A1 (en) * | 2004-12-03 | 2011-02-03 | King Martin T | Searching and accessing documents on private networks for use with captures from rendered documents |
| WO2006062998A2 (en) | 2004-12-07 | 2006-06-15 | Farsheed Atef | System and method for identity verification and management |
| US7548889B2 (en) | 2005-01-24 | 2009-06-16 | Microsoft Corporation | Payment information security for multi-merchant purchasing environment for downloadable products |
| US8744937B2 (en) * | 2005-02-25 | 2014-06-03 | Sap Ag | Consistent set of interfaces derived from a business object model |
| US7849020B2 (en) | 2005-04-19 | 2010-12-07 | Microsoft Corporation | Method and apparatus for network transactions |
| US20060235795A1 (en) * | 2005-04-19 | 2006-10-19 | Microsoft Corporation | Secure network commercial transactions |
| US8996423B2 (en) | 2005-04-19 | 2015-03-31 | Microsoft Corporation | Authentication for a commercial transaction using a mobile module |
| KR20070120125A (ko) | 2005-04-19 | 2007-12-21 | 마이크로소프트 코포레이션 | 온라인 거래 허가 방법, 시스템 및 장치 |
| 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 |
| 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 |
| US8205791B2 (en) | 2005-10-11 | 2012-06-26 | National Payment Card Association | Payment system and methods |
| US8478898B2 (en) * | 2005-11-09 | 2013-07-02 | Ca, Inc. | System and method for routing directory service operations in a directory service network |
| 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 |
| US7725403B2 (en) * | 2005-12-30 | 2010-05-25 | Ebay Inc. | Method and system to verify a transaction |
| US8352323B2 (en) | 2007-11-30 | 2013-01-08 | Blaze Mobile, Inc. | Conducting an online payment transaction using an NFC enabled mobile communication device |
| US8275312B2 (en) | 2005-12-31 | 2012-09-25 | Blaze Mobile, Inc. | Induction triggered transactions using an external NFC device |
| US20070170247A1 (en) | 2006-01-20 | 2007-07-26 | Maury Samuel Friedman | Payment card authentication system and method |
| MX2008009551A (es) | 2006-01-26 | 2008-10-21 | Giovanni Arvedi | Fleje de acero micro-aleado enrollado en caliente para obtener piezas terminadas por presion o cizallamiento en frio. |
| CA2640620A1 (en) | 2006-01-30 | 2007-08-02 | Cpni Inc. | A system and method for authorizing a funds transfer or payment using a phone number |
| WO2007145687A1 (en) | 2006-02-21 | 2007-12-21 | Weiss Kenneth P | Method and apparatus for secure access payment and identification |
| US8234220B2 (en) | 2007-02-21 | 2012-07-31 | Weiss Kenneth P | Universal secure registry |
| RU2438172C2 (ru) | 2006-03-02 | 2011-12-27 | Виза Интернешнл Сервис Ассошиэйшн | Способ и система для осуществления двухфакторной аутентификации при транзакциях, связанных с заказами по почте и телефону |
| 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 |
| WO2007148234A2 (en) | 2006-04-26 | 2007-12-27 | 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 |
| US20090117883A1 (en) * | 2006-07-20 | 2009-05-07 | Dan Coffing | Transaction system for business and social networking |
| 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 |
| US8327142B2 (en) | 2006-09-27 | 2012-12-04 | Secureauth Corporation | System and method for facilitating secure online transactions |
| US8346639B2 (en) * | 2007-02-28 | 2013-01-01 | Visa U.S.A. Inc. | Authentication of a data card using a transit verification value |
| US20080228646A1 (en) | 2006-10-04 | 2008-09-18 | Myers James R | Method and system for managing a non-changing payment card account number |
| US9123042B2 (en) | 2006-10-17 | 2015-09-01 | Verifone, Inc. | Pin block replacement |
| US8769275B2 (en) * | 2006-10-17 | 2014-07-01 | Verifone, Inc. | Batch settlement transactions system and method |
| CH709883B1 (de) | 2006-11-16 | 2016-01-29 | Net1 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 |
| US8813243B2 (en) * | 2007-02-02 | 2014-08-19 | Red Hat, Inc. | Reducing a size of a security-related data object stored on a token |
| 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 |
| US20080223918A1 (en) * | 2007-03-15 | 2008-09-18 | Microsoft Corporation | Payment tokens |
| US20080243702A1 (en) | 2007-03-30 | 2008-10-02 | Ricoh Company, Ltd. | Tokens Usable in Value-Based Transactions |
| US7896238B2 (en) | 2007-04-03 | 2011-03-01 | Intellectual Ventures Holding 32 Llc | Secured transaction using color coded account identifiers |
| 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 |
| US8156543B2 (en) | 2007-04-17 | 2012-04-10 | Visa U.S.A. | Method and system for authenticating a party to a transaction |
| 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 |
| US7841523B2 (en) | 2007-05-17 | 2010-11-30 | Shift4 Corporation | Secure payment card transactions |
| US7891563B2 (en) | 2007-05-17 | 2011-02-22 | Shift4 Corporation | Secure payment card transactions |
| CA2688762C (en) | 2007-05-17 | 2016-02-23 | Shift4 Corporation | Secure payment card transactions |
| US7770789B2 (en) | 2007-05-17 | 2010-08-10 | Shift4 Corporation | Secure payment card transactions |
| US7971261B2 (en) | 2007-06-12 | 2011-06-28 | Microsoft Corporation | Domain management for digital media |
| US7739169B2 (en) | 2007-06-25 | 2010-06-15 | Visa U.S.A. Inc. | Restricting access to compromised account information |
| US8121956B2 (en) | 2007-06-25 | 2012-02-21 | Visa U.S.A. Inc. | Cardless challenge systems and methods |
| 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 |
| US8355982B2 (en) * | 2007-08-16 | 2013-01-15 | Verifone, Inc. | Metrics systems and methods for token transactions |
| 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 |
| US8438152B2 (en) | 2007-10-29 | 2013-05-07 | Oracle International Corporation | Techniques for bushy tree execution plans for snowstorm schema |
| CN101425894B (zh) | 2007-10-30 | 2012-03-21 | 阿里巴巴集团控股有限公司 | 一种业务实现系统及方法 |
| 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 |
| US8413892B2 (en) | 2007-12-24 | 2013-04-09 | Dynamics Inc. | Payment cards and devices with displays, chips, RFIDs, magnetic emulators, magnetic encoders, and other components |
| US8224702B2 (en) | 2007-12-28 | 2012-07-17 | Ebay, Inc. | Systems and methods for facilitating financial transactions over a network |
| WO2009089099A1 (en) | 2008-01-04 | 2009-07-16 | M2 International Ltd. | Dynamic card verification value |
| 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 |
| GB0804803D0 (en) * | 2008-03-14 | 2008-04-16 | British Telecomm | Mobile payments |
| 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 |
| JP2009301211A (ja) * | 2008-06-11 | 2009-12-24 | Ntt Docomo Inc | 販売促進費動的管理システム、トークン管理サーバ、携帯端末及び販売促進費動的管理方法 |
| US8321670B2 (en) | 2008-07-11 | 2012-11-27 | Bridgewater Systems Corp. | Securing dynamic authorization messages |
| US20100010930A1 (en) * | 2008-07-11 | 2010-01-14 | American Express Travel Related Services Company, Inc. | Providing a real time credit score as part of a transaction request |
| 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 |
| 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 |
| RU2388053C1 (ru) | 2008-11-06 | 2010-04-27 | Александр Геннадьевич Рожков | Способ проверки транзакций, автоматическая система для проверки транзакций и узел для проверки транзакций (варианты) |
| 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 |
| GB2466676A (en) * | 2009-01-06 | 2010-07-07 | Visa Europe Ltd | A method of processing payment authorisation requests |
| 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 |
| CA2697921C (en) | 2009-03-27 | 2019-09-24 | 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 |
| US20100274653A1 (en) | 2009-04-28 | 2010-10-28 | Ayman Hammad | Notification social networking |
| 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 |
| US9105027B2 (en) | 2009-05-15 | 2015-08-11 | Visa International Service Association | Verification of portable consumer device for secure services |
| US8534564B2 (en) | 2009-05-15 | 2013-09-17 | Ayman Hammad | Integration of verification tokens with mobile communication devices |
| US10140598B2 (en) | 2009-05-20 | 2018-11-27 | Visa International Service Association | Device including encrypted data for expiration date and verification value creation |
| CN101562621B (zh) * | 2009-05-25 | 2013-05-22 | 阿里巴巴集团控股有限公司 | 一种用户授权的方法、系统和装置 |
| US20100306076A1 (en) | 2009-05-29 | 2010-12-02 | Ebay Inc. | Trusted Integrity Manager (TIM) |
| US8584956B2 (en) | 2009-10-13 | 2013-11-19 | Square, Inc. | Systems and methods for passive identification circuitry |
| 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 |
| US9996825B1 (en) * | 2009-08-20 | 2018-06-12 | Apple Inc. | Electronic device enabled payments |
| US8818882B2 (en) | 2009-08-24 | 2014-08-26 | Visa International Service Association | Alias identity and reputation validation engine |
| US8799666B2 (en) | 2009-10-06 | 2014-08-05 | Synaptics Incorporated | Secure user authentication using biometric information |
| US8447699B2 (en) | 2009-10-13 | 2013-05-21 | Qualcomm Incorporated | Global secure service provider directory |
| BR112012008846A2 (pt) | 2009-10-16 | 2019-09-24 | Visa Int Service Ass | método e sistema anti-fraude por indução |
| US20110237224A1 (en) | 2009-10-23 | 2011-09-29 | Apriva, Llc | System and device for facilitating remote invocation of personal token capabilities |
| US20110246317A1 (en) | 2009-10-23 | 2011-10-06 | Apriva, Llc | System and device for facilitating a transaction through use of a proxy account code |
| US8661258B2 (en) | 2009-10-23 | 2014-02-25 | Vasco Data Security, Inc. | Compact security device with transaction risk level approval capability |
| 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 |
| EP2927836B1 (en) | 2010-01-12 | 2016-10-05 | Visa International Service Association | Anytime validation for verification tokens |
| AU2011207549B2 (en) | 2010-01-19 | 2015-07-30 | Visa International Service Association | Remote variable authentication processing |
| EP2526517B1 (en) * | 2010-01-19 | 2018-08-08 | Visa International Service Association | Token based transaction authentication |
| US8615468B2 (en) | 2010-01-27 | 2013-12-24 | Ca, Inc. | System and method for generating a dynamic card value |
| 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 |
| US9245267B2 (en) | 2010-03-03 | 2016-01-26 | Visa International Service Association | Portable account number for consumer payment account |
| US8458487B1 (en) | 2010-03-03 | 2013-06-04 | Liaison Technologies, Inc. | System and methods for format preserving tokenization of sensitive information |
| CN102947846A (zh) | 2010-03-07 | 2013-02-27 | 吉尔巴科公司 | 燃料分配器支付系统和方法 |
| US8776204B2 (en) * | 2010-03-12 | 2014-07-08 | Alcatel Lucent | Secure dynamic authority delegation |
| US8887308B2 (en) | 2010-03-21 | 2014-11-11 | William Grecia | Digital cloud access (PDMAS part III) |
| US8533860B1 (en) | 2010-03-21 | 2013-09-10 | William Grecia | Personalized digital media access system—PDMAS part II |
| US8402555B2 (en) | 2010-03-21 | 2013-03-19 | William Grecia | Personalized digital media access system (PDMAS) |
| 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 |
| US8332322B2 (en) * | 2010-05-07 | 2012-12-11 | Miicard Limited | Method of establishing identity validation based on an individual's ability to access multiple secure accounts |
| JP5433498B2 (ja) | 2010-05-27 | 2014-03-05 | 株式会社東芝 | 暗号処理装置 |
| CN102939613A (zh) * | 2010-06-04 | 2013-02-20 | 维萨国际服务协会 | 支付令牌化装置、方法和系统 |
| 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 |
| WO2012012445A2 (en) | 2010-07-19 | 2012-01-26 | Universal Commerce, 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 |
| WO2012027385A1 (en) * | 2010-08-23 | 2012-03-01 | Princeton Payment Solutions | Tokenized payment processing schemes |
| US8474018B2 (en) | 2010-09-03 | 2013-06-25 | Ebay Inc. | Role-based attribute based access control (RABAC) |
| 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系统及方法 |
| US20120066078A1 (en) | 2010-09-10 | 2012-03-15 | Bank Of America Corporation | Overage service using overage passcode |
| GB2483515B (en) | 2010-09-13 | 2018-01-24 | Barclays Bank Plc | Online user authentication |
| 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 |
| KR101782635B1 (ko) * | 2010-11-27 | 2017-09-28 | 조현준 | 카드별명과 일회용비밀번호 이용하는 온라인가맹점 카드결제 시스템 및 방법 |
| US20130275308A1 (en) | 2010-11-29 | 2013-10-17 | Mobay Technologies Limited | System for verifying electronic transactions |
| US9141945B2 (en) | 2010-12-02 | 2015-09-22 | Appmobi Iplc, Inc. | Secure distributed single action payment system |
| EP2649745A4 (en) | 2010-12-10 | 2014-05-07 | Electronic Payment Exchange | TOKENS TRANSLATED CONTACTLESS PAYMENTS FOR MOBILE DEVICES |
| US9292870B2 (en) * | 2010-12-13 | 2016-03-22 | Qualcomm Incorporated | System and method for point of service payment acceptance via wireless communication |
| 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 |
| US20120158580A1 (en) | 2010-12-20 | 2012-06-21 | Antonio Claudiu Eram | 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 |
| US8447983B1 (en) * | 2011-02-01 | 2013-05-21 | Target Brands, Inc. | Token exchange |
| US20120203664A1 (en) | 2011-02-09 | 2012-08-09 | Tycoon Unlimited, Inc. | Contactless wireless transaction processing system |
| US20120203666A1 (en) | 2011-02-09 | 2012-08-09 | Tycoon Unlimited, Inc. | Contactless wireless transaction processing system |
| US9485258B2 (en) | 2011-02-13 | 2016-11-01 | Openwave Mobility, Inc. | Mediation system and method for restricted access item distribution |
| WO2012116221A1 (en) * | 2011-02-23 | 2012-08-30 | Mastercard International, Inc. | Demand deposit account payment system |
| AU2012223415B2 (en) | 2011-02-28 | 2017-05-18 | Visa International Service Association | Secure anonymous transaction apparatuses, methods and systems |
| EP2681701A4 (en) | 2011-03-04 | 2014-08-20 | Visa Int Service Ass | INTEGRATION OF PAYMENT OPTIONS IN SAFE ITEMS OF COMPUTERS |
| 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 |
| US20120233004A1 (en) | 2011-03-11 | 2012-09-13 | James Bercaw | System for mobile electronic commerce |
| US20120278236A1 (en) | 2011-03-21 | 2012-11-01 | Qualcomm Incorporated | System and method for presentment of nonconfidential transaction token identifier |
| US20120246071A1 (en) | 2011-03-21 | 2012-09-27 | Nikhil Jain | System and method for presentment of nonconfidential transaction token identifier |
| US9883387B2 (en) | 2011-03-24 | 2018-01-30 | Visa International Service Association | Authentication using application authentication element |
| US8887994B1 (en) * | 2011-04-07 | 2014-11-18 | Wells Fargo Bank, N.A. | System and method of authentication using a re-writable card verification value |
| US9280765B2 (en) * | 2011-04-11 | 2016-03-08 | Visa International Service Association | Multiple tokenization for authentication |
| EP2697756A4 (en) | 2011-04-15 | 2014-09-10 | Shift4 Corp | METHOD AND SYSTEM FOR ENABLING THE JOINT USE OF TOKENS BY DEALERS |
| 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 |
| US20120271770A1 (en) * | 2011-04-20 | 2012-10-25 | Visa International Service Association | Managing electronic tokens in a transaction processing system |
| WO2012151590A2 (en) | 2011-05-05 | 2012-11-08 | 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 |
| US8880886B2 (en) | 2011-05-26 | 2014-11-04 | First Data Corporation | Systems and methods for authenticating mobile devices |
| 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 |
| US8538845B2 (en) | 2011-06-03 | 2013-09-17 | Mozido, Llc | Monetary transaction system |
| AU2012261904A1 (en) | 2011-06-03 | 2013-11-28 | Visa International Service Association | Virtual wallet card selection apparatuses, methods and systems |
| US10318932B2 (en) | 2011-06-07 | 2019-06-11 | Entit Software Llc | Payment card processing system with structure preserving encryption |
| RU2602394C2 (ru) * | 2011-06-07 | 2016-11-20 | Виза Интернешнл Сервис Ассосиэйшн | Устройства, способы и системы токенизации конфиденциальности платежей |
| 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 |
| WO2013012671A1 (en) | 2011-07-15 | 2013-01-24 | Mastercard International, Inc. | Methods and systems for payments assurance |
| 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 |
| US9704155B2 (en) | 2011-07-29 | 2017-07-11 | Visa International Service Association | Passing payment tokens through an hop/sop |
| US9166966B2 (en) * | 2011-08-15 | 2015-10-20 | Bank Of America Corporation | Apparatus and method for handling transaction tokens |
| US8726361B2 (en) | 2011-08-15 | 2014-05-13 | Bank Of America Corporation | Method and apparatus for token-based attribute abstraction |
| US8572690B2 (en) | 2011-08-15 | 2013-10-29 | Bank Of America Corporation | Apparatus and method for performing session validation to access confidential resources |
| US8910290B2 (en) | 2011-08-15 | 2014-12-09 | Bank Of America Corporation | Method and apparatus for token-based transaction tagging |
| 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 |
| AP2014007523A0 (en) | 2011-08-23 | 2014-03-31 | Visa Int Service Ass | Mobile funding method and system |
| US20130226799A1 (en) | 2011-08-23 | 2013-08-29 | Thanigaivel Ashwin Raj | Authentication process for value transfer machine |
| CN104025137B (zh) | 2011-08-30 | 2019-05-03 | D·耶格尔 | 用于授权利用不可预期密码的交易的系统和方法 |
| 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 |
| EP2761551A4 (en) | 2011-10-01 | 2015-09-02 | Intel Corp | CLOUD-BASED CREDIT CARD EMULATION |
| IN2014KN00998A (ru) | 2011-10-12 | 2015-09-04 | C Sam Inc | |
| 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 |
| EP2776965B2 (en) | 2011-11-01 | 2022-11-16 | Google LLC | Systems, methods, and computer program products for managing secure elements |
| US8682802B1 (en) * | 2011-11-09 | 2014-03-25 | Amazon Technologies, Inc. | Mobile payments using payment tokens |
| US8606720B1 (en) | 2011-11-13 | 2013-12-10 | Google Inc. | Secure storage of payment information on client devices |
| US20130124364A1 (en) | 2011-11-13 | 2013-05-16 | Millind Mittal | System and method of electronic payment using payee provided transaction identification codes |
| WO2013086048A1 (en) | 2011-12-05 | 2013-06-13 | Visa International Service Association | Dynamic network analytic system |
| US8972719B2 (en) | 2011-12-06 | 2015-03-03 | Wwpass Corporation | Passcode restoration |
| US8656180B2 (en) | 2011-12-06 | 2014-02-18 | Wwpass Corporation | Token activation |
| US8555079B2 (en) | 2011-12-06 | 2013-10-08 | Wwpass Corporation | Token management |
| 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 |
| WO2013096606A1 (en) | 2011-12-21 | 2013-06-27 | Mastercard International Incorporated | Methods and systems for providing a payment account with adaptive interchange |
| US8689310B2 (en) | 2011-12-29 | 2014-04-01 | Ebay Inc. | Applications login using a mechanism relating sub-tokens to the quality of a master token |
| US9077769B2 (en) | 2011-12-29 | 2015-07-07 | Blackberry Limited | Communications system providing enhanced trusted service manager (TSM) verification features and related methods |
| US20130168450A1 (en) | 2011-12-30 | 2013-07-04 | Clay W. von Mueller | Format preserving cipher system and method |
| 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 |
| US9830595B2 (en) | 2012-01-26 | 2017-11-28 | 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 |
| US9218624B2 (en) | 2012-02-03 | 2015-12-22 | Paypal, Inc. | Adding card to mobile/cloud wallet using NFC |
| EP2624190A1 (en) | 2012-02-03 | 2013-08-07 | Pieter Dubois | Authentication of payment transactions using an alias |
| US20130212007A1 (en) | 2012-02-10 | 2013-08-15 | Protegrity Corporation | Tokenization in payment 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 |
| US20130246259A1 (en) | 2012-03-15 | 2013-09-19 | Firethorn Mobile, Inc. | System and method for managing payment in transactions with a pcd |
| US9092776B2 (en) | 2012-03-15 | 2015-07-28 | Qualcomm Incorporated | System and method for managing payment in transactions with a PCD |
| US20130246267A1 (en) | 2012-03-15 | 2013-09-19 | Ebay Inc. | Systems, Methods, and Computer Program Products for Using Proxy Accounts |
| US9105021B2 (en) | 2012-03-15 | 2015-08-11 | Ebay, Inc. | Systems, methods, and computer program products for using proxy accounts |
| US10535064B2 (en) | 2012-03-19 | 2020-01-14 | Paynet Payments Network, Llc | Systems and methods for real-time account access |
| US9818098B2 (en) | 2012-03-20 | 2017-11-14 | First Data Corporation | Systems and methods for facilitating payments via a peer-to-peer protocol |
| US20130254102A1 (en) | 2012-03-20 | 2013-09-26 | First Data Corporation | Systems and Methods for Distributing Tokenization and De-Tokenization Services |
| US20130254028A1 (en) | 2012-03-22 | 2013-09-26 | Corbuss Kurumsal Telekom Hizmetleri A.S. | System and method for conducting mobile commerce |
| US9842335B2 (en) | 2012-03-23 | 2017-12-12 | The Toronto-Dominion Bank | System and method for authenticating a payment terminal |
| 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 |
| 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 |
| US20130262302A1 (en) | 2012-04-02 | 2013-10-03 | Jvl Ventures, Llc | Systems, methods, and computer program products for provisioning payment accounts into mobile wallets and managing events |
| US11042870B2 (en) * | 2012-04-04 | 2021-06-22 | Blackhawk Network, Inc. | System and method for using intelligent codes to add a stored-value card to an electronic wallet |
| 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 |
| KR20140140079A (ko) | 2012-04-18 | 2014-12-08 | 구글 인코포레이티드 | 보안 요소를 갖지 않는 지불 거래들의 처리 |
| US20130282589A1 (en) | 2012-04-20 | 2013-10-24 | Conductiv Software, Inc. | Multi-factor mobile transaction authentication |
| 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 |
| US20130311382A1 (en) | 2012-05-21 | 2013-11-21 | Klaus S. Fosmark | Obtaining information for a payment transaction |
| US9521548B2 (en) | 2012-05-21 | 2016-12-13 | Nexiden, Inc. | Secure registration of a mobile device for use with a session |
| 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 |
| 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 |
| WO2014008403A1 (en) | 2012-07-03 | 2014-01-09 | Visa International Service Association | Data protection hub |
| US20140025581A1 (en) | 2012-07-19 | 2014-01-23 | Bank Of America Corporation | Mobile transactions using authorized tokens |
| US20140025585A1 (en) | 2012-07-19 | 2014-01-23 | Bank Of America Corporation | Distributing authorized tokens to conduct mobile transactions |
| US9043609B2 (en) | 2012-07-19 | 2015-05-26 | Bank Of America Corporation | Implementing security measures for authorized tokens used in 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 |
| US10346838B2 (en) | 2012-07-31 | 2019-07-09 | Worldpay, Llc | Systems and methods for distributed enhanced payment processing |
| US10339524B2 (en) | 2012-07-31 | 2019-07-02 | Worldpay, Llc | Systems and methods for multi-merchant tokenization |
| US10152711B2 (en) | 2012-07-31 | 2018-12-11 | Worldpay, Llc | Systems and methods for arbitraged enhanced payment processing |
| IN2015KN00466A (ru) | 2012-08-03 | 2015-07-17 | Vasco Data Security Int Gmbh | |
| US9665722B2 (en) | 2012-08-10 | 2017-05-30 | Visa International Service Association | Privacy firewall |
| CN104813349A (zh) | 2012-08-17 | 2015-07-29 | 谷歌公司 | 无线读取器和支付交易终端功能 |
| CN104704505B (zh) | 2012-08-28 | 2018-04-17 | 维萨国际服务协会 | 保护设备上的资产 |
| AU2013315510B2 (en) | 2012-09-11 | 2019-08-22 | Visa International Service Association | Cloud-based Virtual Wallet NFC Apparatuses, methods and systems |
| EP2898456A1 (en) * | 2012-09-19 | 2015-07-29 | Greenchili B.V. | Method for configuring a mobile communication device, device thus configured, method, system for authorizing transactions on an online account, and method for obtaining, by an initiating party, a permission from an authorizing party to a service provider for performing a transaction on an account of the user |
| US9390412B2 (en) | 2012-10-16 | 2016-07-12 | Visa International Service Association | Dynamic point of sale system integrated with reader device |
| CA2830260C (en) | 2012-10-17 | 2021-10-12 | Royal Bank Of Canada | Virtualization and secure processing of data |
| 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 |
| GB201221433D0 (en) | 2012-11-28 | 2013-01-09 | Hoverkey Ltd | A method and system of providing authentication of user access to a computer resource on a mobile device |
| US20140164243A1 (en) | 2012-12-07 | 2014-06-12 | Christian Aabye | Dynamic Account Identifier With Return Real Account Identifier |
| CN103023657B (zh) | 2012-12-26 | 2015-04-15 | 武汉天喻信息产业股份有限公司 | 一种基于分布式的网络交易安全验证系统 |
| US9741051B2 (en) | 2013-01-02 | 2017-08-22 | Visa International Service Association | Tokenization and third-party interaction |
| US8613055B1 (en) * | 2013-02-22 | 2013-12-17 | Ping Identity Corporation | Methods and apparatus for selecting an authentication mode at time of issuance of an access token |
| CN105378776A (zh) | 2013-02-26 | 2016-03-02 | 维萨国际服务协会 | 用于提供支付凭证的方法及系统 |
| US20140258123A1 (en) | 2013-03-05 | 2014-09-11 | Quisk, Inc. | Tokenized Payment Service Registration |
| WO2014145607A1 (en) | 2013-03-15 | 2014-09-18 | Taylor Jason Arthur | Preferentially directing electromagnetic energy towards colder regions of object being heated by microwave oven |
| CN103236009A (zh) | 2013-03-26 | 2013-08-07 | 上海众人网络安全技术有限公司 | 动态令牌、交易信息预置方法及基于动态口令的交易方法 |
| US9249241B2 (en) | 2013-03-27 | 2016-02-02 | Ut-Battelle, Llc | Surface-functionalized mesoporous carbon materials |
| WO2014162296A1 (en) | 2013-04-04 | 2014-10-09 | 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 |
| US20140330722A1 (en) | 2013-05-02 | 2014-11-06 | Prasanna Laxminarayanan | System and method for using an account sequence identifier |
| US11055710B2 (en) | 2013-05-02 | 2021-07-06 | Visa International Service Association | Systems and methods for verifying and processing transactions using virtual currency |
| US9760886B2 (en) | 2013-05-10 | 2017-09-12 | Visa International Service Association | Device provisioning using partial personalization scripts |
| EP2997532A4 (en) | 2013-05-15 | 2016-05-11 | Visa Int Service Ass | MOBILE TOKENIZATION HUB |
| US10878422B2 (en) | 2013-06-17 | 2020-12-29 | Visa International Service Association | System and method using merchant token |
| EP3017411A4 (en) | 2013-07-02 | 2016-07-13 | Visa Int Service Ass | PAYMENT CARD WITH USER INTERFACE FOR USE WITH A PAYMENT PAYMENT TERMINAL |
| US20150019317A1 (en) | 2013-07-13 | 2015-01-15 | Spring Marketplace, Inc. | Systems and methods to enable offer and rewards marketing and CRM (network) platform |
| CN105556553B (zh) | 2013-07-15 | 2020-10-16 | 维萨国际服务协会 | 安全的远程支付交易处理 |
| EP3025293A4 (en) | 2013-07-24 | 2017-03-29 | Visa International Service Association | Systems and methods for communicating risk using token assurance data |
| US10496986B2 (en) | 2013-08-08 | 2019-12-03 | Visa International Service Association | Multi-network tokenization processing |
| AU2014306259A1 (en) | 2013-08-08 | 2016-02-25 | Visa International Service Association | Methods and systems for provisioning mobile devices with payment credentials |
| US9646303B2 (en) | 2013-08-15 | 2017-05-09 | Visa International Service Association | Secure remote payment transaction processing using a secure element |
| US10460322B2 (en) | 2013-08-30 | 2019-10-29 | Mastercard International Incorporated | Methods and systems for verifying cardholder authenticity when provisioning a token |
| CN105745678B (zh) | 2013-09-20 | 2022-09-20 | 维萨国际服务协会 | 包括消费者认证的安全远程支付交易处理 |
| RU2691843C2 (ru) | 2013-10-11 | 2019-06-18 | Виза Интернэшнл Сервис Ассосиэйшн | Система сетевых токенов |
| 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 |
| US11823190B2 (en) | 2013-12-09 | 2023-11-21 | Mastercard International Incorporated | Systems, apparatus and methods for improved authentication |
| US20150161597A1 (en) | 2013-12-09 | 2015-06-11 | Kaushik Subramanian | Transactions using temporary credential data |
| BR112016014106A2 (pt) | 2013-12-19 | 2017-08-08 | Visa Int Service Ass | Método para intensificar a segurança de um dispositivo de comunicação, e, dispositivo de comunicação |
| 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 |
| WO2015120082A1 (en) | 2014-02-04 | 2015-08-13 | Visa International Service Association | Token verification using limited use certificates |
| WO2015126744A1 (en) | 2014-02-18 | 2015-08-27 | Secureauth Corporation | Fingerprint based authentication for single sign on |
| EP3120310A4 (en) | 2014-03-18 | 2017-12-27 | 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 |
| US20150278729A1 (en) | 2014-03-28 | 2015-10-01 | International Business Machines Corporation | Cognitive scoring of asset risk based on predictive propagation of security-related events |
| 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 |
| WO2015168334A1 (en) | 2014-05-01 | 2015-11-05 | Visa International Service Association | Data verification using access device |
| EP3140798A4 (en) | 2014-05-05 | 2017-12-20 | Visa International Service Association | System and method for token domain control |
| WO2015175696A1 (en) | 2014-05-13 | 2015-11-19 | Visa International Service Association | Master applet for secure remote payment processing |
| US9424574B2 (en) | 2014-05-16 | 2016-08-23 | Bank Of America Corporation | Tokenization of user accounts for direct payment authorization channel |
| AU2015264124B2 (en) | 2014-05-21 | 2019-05-09 | 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 |
| 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 |
| EP3204851B1 (en) | 2014-10-10 | 2020-07-22 | 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 |
| CN113537988B (zh) | 2014-11-26 | 2024-05-28 | 维萨国际服务协会 | 用于经由访问装置的令牌化请求的方法和设备 |
| US10257185B2 (en) | 2014-12-12 | 2019-04-09 | Visa International Service Association | Automated access data provisioning |
| RU2707939C2 (ru) | 2014-12-12 | 2019-12-02 | Виза Интернэшнл Сервис Ассосиэйшн | Платформа обеспечения для межмашинных устройств |
| US10096009B2 (en) | 2015-01-20 | 2018-10-09 | Visa International Service Association | Secure payment processing using authorization request |
| WO2016123264A1 (en) | 2015-01-27 | 2016-08-04 | Visa International Service Association | Methods for secure credential provisioning |
| 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 |
| CA2970746A1 (en) | 2015-02-13 | 2016-08-18 | Visa International Service Association | Peer forward authorization of digital requests |
| US9998978B2 (en) | 2015-04-16 | 2018-06-12 | Visa International Service Association | Systems and methods for processing dormant virtual access devices |
| US11068889B2 (en) | 2015-10-15 | 2021-07-20 | Visa International Service Association | Instant token issuance |
| US11501288B2 (en) | 2016-02-09 | 2022-11-15 | Visa International Service Association | Resource provider account token provisioning and processing |
| US10313321B2 (en) | 2016-04-07 | 2019-06-04 | Visa International Service Association | Tokenization of co-network accounts |
-
2014
- 2014-07-24 EP EP14829561.1A patent/EP3025293A4/en not_active Ceased
- 2014-07-24 RU RU2016105772A patent/RU2681366C2/ru active
- 2014-07-24 CN CN201480052347.9A patent/CN105874495B/zh active Active
- 2014-07-24 KR KR1020167004754A patent/KR102070451B1/ko active Active
- 2014-07-24 SG SG10201800626RA patent/SG10201800626RA/en unknown
- 2014-07-24 RU RU2016105768A patent/RU2669081C2/ru active
- 2014-07-24 JP JP2016530052A patent/JP6738731B2/ja active Active
- 2014-07-24 SG SG11201600520QA patent/SG11201600520QA/en unknown
- 2014-07-24 US US14/340,444 patent/US20150032626A1/en not_active Abandoned
- 2014-07-24 WO PCT/US2014/048038 patent/WO2015013522A1/en not_active Ceased
- 2014-07-24 CN CN202110833113.XA patent/CN113469670B/zh active Active
- 2014-07-24 SG SG11201600427RA patent/SG11201600427RA/en unknown
- 2014-07-24 CA CA2918788A patent/CA2918788C/en active Active
- 2014-07-24 EP EP14829301.2A patent/EP3025292A4/en not_active Ceased
- 2014-07-24 CA CA2919199A patent/CA2919199C/en active Active
- 2014-07-24 WO PCT/US2014/048083 patent/WO2015013548A1/en not_active Ceased
- 2014-07-24 SG SG10201800629WA patent/SG10201800629WA/en unknown
- 2014-07-24 AU AU2014292980A patent/AU2014292980A1/en not_active Abandoned
- 2014-07-24 AU AU2014293042A patent/AU2014293042A1/en not_active Abandoned
- 2014-07-24 CN CN202211150392.0A patent/CN115567273A/zh active Pending
- 2014-07-24 US US14/340,344 patent/US20150032625A1/en not_active Abandoned
- 2014-07-24 JP JP2016530054A patent/JP6518244B2/ja active Active
- 2014-07-24 CN CN201480052318.2A patent/CN105580038A/zh active Pending
- 2014-07-24 US US14/340,464 patent/US9996835B2/en active Active
-
2018
- 2018-05-08 US US15/974,599 patent/US11093936B2/en active Active
- 2018-11-07 AU AU2018260860A patent/AU2018260860A1/en not_active Abandoned
-
2019
- 2019-02-14 AU AU2019201056A patent/AU2019201056A1/en not_active Abandoned
- 2019-03-12 JP JP2019044443A patent/JP6845274B2/ja active Active
-
2020
- 2020-09-14 US US17/020,472 patent/US11915235B2/en active Active
-
2021
- 2021-02-09 AU AU2021200807A patent/AU2021200807A1/en not_active Ceased
- 2021-02-25 JP JP2021028173A patent/JP7209031B2/ja active Active
-
2022
- 2022-02-18 US US17/676,041 patent/US12400223B2/en active Active
-
2023
- 2023-01-06 JP JP2023001118A patent/JP7522872B2/ja active Active
-
2024
- 2024-01-18 US US18/416,767 patent/US20240161105A1/en active Pending
Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US9996835B2 (en) | 2013-07-24 | 2018-06-12 | Visa International Service Association | Systems and methods for communicating token attributes associated with a token vault |
| US11915235B2 (en) | 2013-07-24 | 2024-02-27 | Visa International Service Association | Systems and methods for communicating token attributes associated with a token vault |
| US12400223B2 (en) | 2013-07-24 | 2025-08-26 | Visa International Service Association | Systems and methods for communicating risk using token assurance data |
| US11710119B2 (en) | 2013-10-11 | 2023-07-25 | Visa International Service Association | Network token system |
| US12205110B2 (en) | 2013-10-11 | 2025-01-21 | Visa International Service Association | Network token system |
| US12346903B2 (en) | 2014-06-05 | 2025-07-01 | Visa International Service Association | Identification and verification for provisioning mobile application |
Also Published As
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| RU2016105768A (ru) | Системы и способы для функционально совместимой обработки сетевых маркеров | |
| US12166902B2 (en) | Systems and methods of secure provenance for distributed transaction databases | |
| US12333551B2 (en) | Token management system | |
| US10412060B2 (en) | Token enrollment system and method | |
| KR101862856B1 (ko) | 진품 관리를 위하여 제품의 사용 관련 데이터를 기록하고 검증하는 방법 및 서버 | |
| US20160224977A1 (en) | Token check offline | |
| KR101882930B1 (ko) | 인테그레이터 어플리케이션의 아이덴티티 확인 | |
| CN107851251A (zh) | 一种支付验证方法及装置 | |
| JP2018533131A (ja) | 認証サービス顧客データの管理方法及びシステム | |
| KR101795697B1 (ko) | 진품 관리를 위하여 제품별 주소 및 인덱스를 생성하고 위조품을 검출하는 방법 및 서버 | |
| JP2015148891A (ja) | 特典付与システム、特典付与方法、携帯端末、レジ端末、及び、プログラム | |
| US11748386B2 (en) | Method, system, and computer program product for managing source identifiers of clustered records | |
| TW201816676A (zh) | 便於支付主體擴展的方法和裝置 | |
| US20240105197A1 (en) | Method and System for Enabling Speaker De-Identification in Public Audio Data by Leveraging Adversarial Perturbation | |
| US11270362B1 (en) | Systems and methods for proof of application ownership | |
| US20230352130A1 (en) | Health pass systems and methods | |
| KR20150113498A (ko) | 카드 결제 처리장치 및 방법 | |
| US12132728B2 (en) | Trusted identification of enrolling users based on images and unique identifiers associated with sponsoring users | |
| CN116308834A (zh) | 账务信息处理方法、装置、计算机设备和存储介质 |