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MX2018012407A - Sistemas y metodos para reducir el riesgo de fraude para una cuenta de transaccion principal. - Google Patents

Sistemas y metodos para reducir el riesgo de fraude para una cuenta de transaccion principal.

Info

Publication number
MX2018012407A
MX2018012407A MX2018012407A MX2018012407A MX2018012407A MX 2018012407 A MX2018012407 A MX 2018012407A MX 2018012407 A MX2018012407 A MX 2018012407A MX 2018012407 A MX2018012407 A MX 2018012407A MX 2018012407 A MX2018012407 A MX 2018012407A
Authority
MX
Mexico
Prior art keywords
identifier
account
payment
primary
payment account
Prior art date
Application number
MX2018012407A
Other languages
English (en)
Inventor
L Bernstein Kathi
PARK Youngjoon
Original Assignee
American Express Travel Related Services Co Inc
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
Application filed by American Express Travel Related Services Co Inc filed Critical American Express Travel Related Services Co Inc
Publication of MX2018012407A publication Critical patent/MX2018012407A/es

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
    • G06Q20/40—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
    • 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

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Storage Device Security (AREA)

Abstract

El sistema protege una cuenta mediante el uso de tokens, lo que elimina la necesidad de exponer el identificador de cuenta principal durante una transacción. Si se compromete un identificador de cuenta principal, el sistema puede bloquear cualquier uso del identificador de cuenta principal para facilitar una transacción fraudulenta de compra o liquidación. El sistema está configurado para recibir una solicitud de autorización de pago que incluye un primer identificador de la cuenta de pago. El primer identificador de la cuenta de pago sirve como condición de búsqueda para una consulta, que se ejecuta en una base de datos para recuperar la información de la cuenta de pago, si la información de la cuenta de pago existe. El sistema envía una respuesta de rechazo en respuesta al primer identificador de la cuenta de pago y un identificador de cuenta principal de la información de la cuenta de pago que es el mismo, lo que indica que se está utilizando una cuenta principal.
MX2018012407A 2016-04-13 2017-02-23 Sistemas y metodos para reducir el riesgo de fraude para una cuenta de transaccion principal. MX2018012407A (es)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US15/097,624 US11250432B2 (en) 2016-04-13 2016-04-13 Systems and methods for reducing fraud risk for a primary transaction account
PCT/US2017/019003 WO2017180243A1 (en) 2016-04-13 2017-02-23 Systems and methods for reducing fraud risk for a primary transaction account

Publications (1)

Publication Number Publication Date
MX2018012407A true MX2018012407A (es) 2019-02-14

Family

ID=60040051

Family Applications (1)

Application Number Title Priority Date Filing Date
MX2018012407A MX2018012407A (es) 2016-04-13 2017-02-23 Sistemas y metodos para reducir el riesgo de fraude para una cuenta de transaccion principal.

Country Status (6)

Country Link
US (1) US11250432B2 (es)
EP (1) EP3443516A4 (es)
CN (1) CN109074561B (es)
AU (1) AU2017248999B2 (es)
MX (1) MX2018012407A (es)
WO (1) WO2017180243A1 (es)

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Also Published As

Publication number Publication date
EP3443516A1 (en) 2019-02-20
CN109074561A (zh) 2018-12-21
WO2017180243A1 (en) 2017-10-19
US20170300918A1 (en) 2017-10-19
AU2017248999A1 (en) 2018-11-01
AU2017248999B2 (en) 2020-08-20
EP3443516A4 (en) 2019-09-11
CA3020687A1 (en) 2017-10-19
CN109074561B (zh) 2024-02-23
US11250432B2 (en) 2022-02-15

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