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WO2007044882A3 - System and method for authorization of transactions - Google Patents

System and method for authorization of transactions Download PDF

Info

Publication number
WO2007044882A3
WO2007044882A3 PCT/US2006/040009 US2006040009W WO2007044882A3 WO 2007044882 A3 WO2007044882 A3 WO 2007044882A3 US 2006040009 W US2006040009 W US 2006040009W WO 2007044882 A3 WO2007044882 A3 WO 2007044882A3
Authority
WO
WIPO (PCT)
Prior art keywords
transaction
communications channel
target entity
entity
authorization service
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Ceased
Application number
PCT/US2006/040009
Other languages
French (fr)
Other versions
WO2007044882A2 (en
Inventor
Philip Yuen
Chih-Jen Huang
Gerald Yuen
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Individual
Original Assignee
Individual
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Priority claimed from US11/546,534 external-priority patent/US8447700B2/en
Priority claimed from US11/546,030 external-priority patent/US8352376B2/en
Application filed by Individual filed Critical Individual
Priority to EP14191937.3A priority Critical patent/EP2858328B1/en
Priority to CA2645044A priority patent/CA2645044C/en
Priority to EP06816831.9A priority patent/EP2074524B1/en
Publication of WO2007044882A2 publication Critical patent/WO2007044882A2/en
Publication of WO2007044882A3 publication Critical patent/WO2007044882A3/en
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

Links

Classifications

    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
    • 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/12—Applying verification of the received information
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L2463/00—Additional details relating to network architectures or network communication protocols for network security covered by H04L63/00
    • H04L2463/102—Additional details relating to network architectures or network communication protocols for network security covered by H04L63/00 applying security measure for e-commerce

Landscapes

  • Engineering & Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Computer Hardware Design (AREA)
  • Signal Processing (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • General Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Computing Systems (AREA)
  • Finance (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Technology Law (AREA)
  • Strategic Management (AREA)
  • Marketing (AREA)
  • Economics (AREA)
  • Development Economics (AREA)
  • Accounting & Taxation (AREA)
  • Mobile Radio Communication Systems (AREA)

Abstract

System and method for authorizing transactions, such as payments or money transfers. A transaction authorization mechanism may be provided through which a transaction initiated via a first communications channel may be authorized through a second, separate communications channel or mechanism. A source entity may initiate a transaction to a target entity via a first communications channel to a transaction authorization service. The transaction authorization service may confirm the transaction with the source entity via a second communications channel. Various embodiments may use different communications channels, for example conventional telephone systems, mobile/cellular phone systems, and text messaging systems as the first or second communications channels. After the transaction has been authorized via the second communications channel, the transaction authorization service and/or the source entity may contact the target entity to inform the target entity of the transaction. The target entity may then complete the transaction.
PCT/US2006/040009 2005-10-11 2006-10-11 System and method for authorization of transactions Ceased WO2007044882A2 (en)

Priority Applications (3)

Application Number Priority Date Filing Date Title
EP14191937.3A EP2858328B1 (en) 2005-10-11 2006-10-11 System and method for authorization of transactions
CA2645044A CA2645044C (en) 2005-10-11 2006-10-11 System and method for authorization of transactions
EP06816831.9A EP2074524B1 (en) 2005-10-11 2006-10-11 System and method for authorization of transactions

Applications Claiming Priority (8)

Application Number Priority Date Filing Date Title
US72440405P 2005-10-11 2005-10-11
US60/724,404 2005-10-11
US73797205P 2005-11-18 2005-11-18
US60/737,972 2005-11-18
US11/546,534 2006-10-10
US11/546,030 2006-10-10
US11/546,534 US8447700B2 (en) 2005-10-11 2006-10-10 Transaction authorization service
US11/546,030 US8352376B2 (en) 2005-10-11 2006-10-10 System and method for authorization of transactions

Publications (2)

Publication Number Publication Date
WO2007044882A2 WO2007044882A2 (en) 2007-04-19
WO2007044882A3 true WO2007044882A3 (en) 2007-10-04

Family

ID=37943545

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2006/040009 Ceased WO2007044882A2 (en) 2005-10-11 2006-10-11 System and method for authorization of transactions

Country Status (1)

Country Link
WO (1) WO2007044882A2 (en)

Families Citing this family (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN101868953A (en) * 2007-12-07 2010-10-20 诺基亚公司 Transaction Authentication
EP2637382B1 (en) * 2008-12-01 2016-02-24 tagPAY GmbH Method for authorizing a transaction
US8713647B2 (en) 2009-08-21 2014-04-29 International Business Machines Corporation End-of-session authentication
US20130246296A1 (en) * 2012-03-19 2013-09-19 @Pay LLC Method for processing multimodal mobile donations via text message and email communication
WO2014189361A1 (en) * 2013-05-23 2014-11-27 Infobase Solution Sdn. Bhd. A system for authorizing electronic transactions and a method thereof
DE102014206949A1 (en) * 2014-04-10 2015-10-29 Vodafone Gmbh transaction process
HK1255791A2 (en) * 2018-07-13 2019-08-23 LeapXpert Limited System and method for confirming instructions over a communication channel
CN113938481A (en) * 2021-11-12 2022-01-14 中国建设银行股份有限公司 Receipt processing method, processing device, electronic device and readable storage medium

Citations (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20070022469A1 (en) * 2005-07-20 2007-01-25 Cooper Robin R Network user authentication system and method

Family Cites Families (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7707108B2 (en) 2002-01-31 2010-04-27 International Business Machines Corporation Detection of unauthorized account transactions
GB2397731B (en) 2003-01-22 2006-02-22 Ebizz Consulting Ltd Authentication system

Patent Citations (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20070022469A1 (en) * 2005-07-20 2007-01-25 Cooper Robin R Network user authentication system and method

Non-Patent Citations (1)

* Cited by examiner, † Cited by third party
Title
See also references of EP2074524A4 *

Also Published As

Publication number Publication date
WO2007044882A2 (en) 2007-04-19

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