Patent
Method and system for providing transaction notification and mobile reply authorization
TLDR
In this article, a system and a corresponding method for providing a notification of a pending transaction request and obtaining an authorization from a cardholder is described, which maintains a database of account records, each of the account records including a phone number of a mobile device assigned to receive authorization request messages for the respective account.Abstract:
A system and a corresponding method are described for providing a notification of a pending transaction request and obtaining an authorization from a cardholder. The system maintains a database of account records, each of the account records including a phone number of a mobile device assigned to receive authorization request messages for the respective account. When a transaction request is received, the system determines a phone number of a mobile device assigned to receive authorization request messages for the account requesting the transaction by searching the database. The system generates and transmits an authorization request message to the phone number of the mobile device assigned to the account requesting the transaction. In response to the authorization request message, a reply message is returned from the mobile device, which explicitly indicates if a user of the mobile device approves or denies the transaction.read more
Citations
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Display screen or portion thereof with graphical user interface
TL;DR: Newness and distinctiveness is claimed in the features of ornamentation as shown inside the broken line circle in the accompanying representation as discussed by the authors, which is the basis for the representation presented in this paper.
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Verification of portable consumer devices for 3-d secure services
Ayman Hammad,Patrick Faith,Krishna Prasad Koganti,Ben Rewis,Brendan Xavier Louis,Kevin Weller,Benedicto H. Dominguez +6 more
TL;DR: In this paper, the authors present an approach for the verification of portable consumer devices for 3-D Secure Systems, where a verification token is coupled to a computer by a USB connection so as to use the computer's networking facilities.
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Integration of payment capability into secure elements of computers
TL;DR: In this article, the authors describe a system for effecting secure communication of payment information to merchants for Internet-based purchases, where payment information for a user's real payment information is installed in a secure element of a computer, the payment information may comprise a pseudo PAN number for the portable consumer device provided by a validation entity.
Patent
System and method for authorization of transactions
TL;DR: In this article, a transaction authorization mechanism is provided through which a transaction initiated via a first communications channel may be authorized through a second, separate communications channel or mechanism, and the target entity may then complete the transaction.
References
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Patent
System and Method for Verification, Authentication, and Notification of Transactions
TL;DR: In this paper, a system and method for verifying, authenticating, and providing notification of a transaction such as a commercial or financial transaction, with and/or to at least one party identified as engaging in the transaction and or identified as having a potential interest in a transaction or type of transaction.
Patent
System and method for payment transaction authentication
TL;DR: In this paper, the authors present a payment system consisting of a merchant server, an authentication server and a communication device, where the authentication server is adapted to receive digital purchase orders from the merchant server over the first network, format the digital purchase order into a first message and route it over a second network to the communication device.
Patent
System and method for secure network purchasing
TL;DR: In this paper, a system for permitting secure electronic transactions on a network is described, in which a user device having a fingerprint, a provider's server and a means for providing verification of user's identity is presented.
Patent
Method and system for effecting financial transactions over a public network without submission of sensitive information
TL;DR: In this paper, the authors propose a method and system for effecting a financial transaction over a public network without the submission of sensitive information, which comprises a common controller in data communication with at least one public network.
Patent
Verification system for facilitating transactions via communication networks, and associated method
TL;DR: In this paper, a system and related method for use in facilitating transactions in communication networks is provided, which includes a mobile device configured to send and receive information over a wireless communication network.