Patent application number | Description | Published |
20100153272 | MOBILE DEVICE INITIATED TRANSACTION - One embodiment of the invention is directed to a method including receiving an alias identifier associated with an account associated with a presenter, determining an associated trusted party using the alias identifier, sending a verification request message to the trusted party after determining the associated trusted party, and receiving a verification response message | 06-17-2010 |
20110178925 | Token Based Transaction Authentication - A token based transaction authentication system is disclosed. Issuer, merchants, and a payment processing network generate unique tokens or keys to authenticate messages between themselves and to authenticate a sending entity or consumer as they are redirected between entities. The tokens are also used to identify the particular authentication thread a message or sending entity is associated with. The sending entity authentication occurs over a web-based channel or a mobile based channel. | 07-21-2011 |
20110178926 | Remote Variable Authentication Processing - A remote variable authentication processing system is disclosed. A sending entity initiates a remote payment using an alias over an initiation channel. The alias may be associated with one or more nicknames that identify portable consumer devices and metadata. The metadata describes which channels are available for authentication. The sending entity selects a nickname and an associated authentication channel. The sending entity authenticates with an issuer over the selected authentication channel. | 07-21-2011 |
20110178927 | VERIFICATION MECHANISM - Systems, apparatuses, and methods for receiving a verification message with information that includes a first portion but not a second portion of an account identifier associated with an account of a consumer. Upon receiving the verification message, searching for the account using the information of the verification message. | 07-21-2011 |
20110251910 | Mobile Phone as a Switch - Embodiments of the streamlined payment system described herein are directed to a consumer mobile device (e.g., a mobile phone) that sends transaction details for authorization, instead of the merchant sending the transaction details for authorization. This eliminates the need to present the consumer's payment account information to the merchant. The transaction details may include an amount and merchant payment initiation information. In one embodiment, the consumer mobile device may directly contact an issuer without using a traditional payment processing network. The issuer may then approve or deny the transaction and communicate directly with the issuer, merchant, or merchant's acquirer. In one embodiment, transaction details may need to be communicated from a computing device (e.g., a PC) operated by the consumer that is not collocated with the merchant. In this embodiment, the transaction details may be encoded into a particular format that can be received and read by the consumer's mobile device. The format may be a transaction details identifier or a transaction details data payload. The transaction details identifier or transaction details data payload may be an SMS or MMS message, barcode, watermarked image, or manual identifier that represents the transaction details. The SMS/MMS message with transaction details payload or identifier may be received by the mobile device. The barcode, text image, or watermarked image may be read using the mobile device's camera or other input means. | 10-13-2011 |
20130073463 | ISSUER TRUSTED PARTY SYSTEM - Embodiments of the invention are directed to an authentication platform capable of storing authentication data received from an issuer access control server. The authentication platform can authenticate users and portable devices, on behalf of the issuer access control server, using the stored authentication data. Messaging extensions are included in transaction messaging indicating the authentication platform's status as an issuer trusted party, allowing the issuer access control server computer to rely on the authentication platform to conduct authentication processing. | 03-21-2013 |
20130191282 | TOKEN BASED TRANSACTION AUTHENTICATION - A token based transaction authentication system is disclosed. Issuer, merchants, and a payment processing network generate unique tokens or keys to authenticate messages between themselves and to authenticate a sending entity or consumer as they are redirected between entities. The tokens are also used to identify the particular authentication thread a message or sending entity is associated with. The sending entity authentication occurs over a web-based channel or a mobile based channel. | 07-25-2013 |
20130232079 | TOKEN BASED TRANSACTION AUTHENTICATION - A token based transaction authentication system is disclosed. Issuer, merchants, and a payment processing network generate unique tokens or keys to authenticate messages between themselves and to authenticate a sending entity or consumer as they are redirected between entities. The tokens are also used to identify the particular authentication thread a message or sending entity is associated with. The sending entity authentication occurs over a web-based channel or a mobile based channel. | 09-05-2013 |
20130269003 | REMOTE AUTHENTICATION SYSTEM - One embodiment of the invention is directed to a method including receiving an alias identifier associated with an account associated with a presenter, determining an associated trusted party using the alias identifier, sending a verification request message to the trusted party after determining the associated trusted party, and receiving a verification response message | 10-10-2013 |