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SG11201606077TA - Transaction system and method - Google Patents

Transaction system and method

Info

Publication number
SG11201606077TA
SG11201606077TA SG11201606077TA SG11201606077TA SG11201606077TA SG 11201606077T A SG11201606077T A SG 11201606077TA SG 11201606077T A SG11201606077T A SG 11201606077TA SG 11201606077T A SG11201606077T A SG 11201606077TA SG 11201606077T A SG11201606077T A SG 11201606077TA
Authority
SG
Singapore
Prior art keywords
transaction system
transaction
Prior art date
Application number
SG11201606077TA
Inventor
Jose Benjamin S Fernandez
Alex D Ibasco
Oliver L Ubalde
Richard C Salcedo
Jose Antonio C Yulo
Oliver P Ornido
Original Assignee
Einnovations Holdings Pte Ltd
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 SG2014008106A external-priority patent/SG2014008106A/en
Application filed by Einnovations Holdings Pte Ltd filed Critical Einnovations Holdings Pte Ltd
Priority to SG11201606077TA priority Critical patent/SG11201606077TA/en
Publication of SG11201606077TA publication Critical patent/SG11201606077TA/en

Links

Classifications

    • GPHYSICS
    • G06COMPUTING OR CALCULATING; COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, 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
    • GPHYSICS
    • G06COMPUTING OR CALCULATING; COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/10Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • GPHYSICS
    • G06COMPUTING OR CALCULATING; COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • GPHYSICS
    • G06COMPUTING OR CALCULATING; COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • GPHYSICS
    • G06COMPUTING OR CALCULATING; COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/382Payment protocols; Details thereof insuring higher security of transaction
    • GPHYSICS
    • G06COMPUTING OR CALCULATING; COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, 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
    • G06Q20/401Transaction verification
    • G06Q20/4014Identity check for transactions
    • GPHYSICS
    • G06COMPUTING OR CALCULATING; COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, 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
    • G06Q20/401Transaction verification
    • G06Q20/4016Transaction verification involving fraud or risk level assessment in transaction processing
    • GPHYSICS
    • G06COMPUTING OR CALCULATING; COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, 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
    • G06Q20/405Establishing or using transaction specific rules
    • GPHYSICS
    • G06COMPUTING OR CALCULATING; COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/42Confirmation, e.g. check or permission by the legal debtor of payment

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Finance (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Economics (AREA)
  • Development Economics (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Cash Registers Or Receiving Machines (AREA)
SG11201606077TA 2014-02-04 2015-02-04 Transaction system and method SG11201606077TA (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
SG11201606077TA SG11201606077TA (en) 2014-02-04 2015-02-04 Transaction system and method

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
SG2014008106A SG2014008106A (en) 2014-02-04 2014-02-04 Transaction system and method
SG10201400156QA SG10201400156QA (en) 2014-02-04 2014-02-24 Transaction system and method
SG11201606077TA SG11201606077TA (en) 2014-02-04 2015-02-04 Transaction system and method
PCT/SG2015/050012 WO2015119578A1 (en) 2014-02-04 2015-02-04 Transaction system and method

Publications (1)

Publication Number Publication Date
SG11201606077TA true SG11201606077TA (en) 2016-08-30

Family

ID=53778274

Family Applications (2)

Application Number Title Priority Date Filing Date
SG10201400156QA SG10201400156QA (en) 2014-02-04 2014-02-24 Transaction system and method
SG11201606077TA SG11201606077TA (en) 2014-02-04 2015-02-04 Transaction system and method

Family Applications Before (1)

Application Number Title Priority Date Filing Date
SG10201400156QA SG10201400156QA (en) 2014-02-04 2014-02-24 Transaction system and method

Country Status (12)

Country Link
US (1) US20170178131A1 (en)
EP (1) EP3103082A1 (en)
JP (1) JP2017508203A (en)
KR (1) KR20160119137A (en)
CN (1) CN107077669B9 (en)
AU (1) AU2015214646A1 (en)
CA (1) CA2938399A1 (en)
MX (1) MX2016010026A (en)
PH (1) PH12016501516A1 (en)
SG (2) SG10201400156QA (en)
TW (1) TW201539339A (en)
WO (1) WO2015119578A1 (en)

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* Cited by examiner, † Cited by third party
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CN106997530B (en) 2016-01-25 2022-10-14 创新先进技术有限公司 Credit payment method and device based on mobile terminal card simulation
CN106997527A (en) * 2016-01-25 2017-08-01 阿里巴巴集团控股有限公司 Credit payment method and device based on mobile terminal P2P
US10116667B2 (en) 2016-01-26 2018-10-30 Bank Of America Corporation System for conversion of an instrument from a non-secured instrument to a secured instrument in a process data network
US10142347B2 (en) 2016-02-10 2018-11-27 Bank Of America Corporation System for centralized control of secure access to process data network
US10129238B2 (en) 2016-02-10 2018-11-13 Bank Of America Corporation System for control of secure access and communication with different process data networks with separate security features
US10438209B2 (en) 2016-02-10 2019-10-08 Bank Of America Corporation System for secure routing of data to various networks from a process data network
US11374935B2 (en) 2016-02-11 2022-06-28 Bank Of America Corporation Block chain alias person-to-person resource allocation
US10636033B2 (en) 2016-02-22 2020-04-28 Bank Of America Corporation System for routing of process authorizations and settlement to a user in a process data network
US10135870B2 (en) 2016-02-22 2018-11-20 Bank Of America Corporation System for external validation of secure process transactions
US10496989B2 (en) 2016-02-22 2019-12-03 Bank Of America Corporation System to enable contactless access to a transaction terminal using a process data network
US10762504B2 (en) 2016-02-22 2020-09-01 Bank Of America Corporation System for external secure access to process data network
US10140470B2 (en) 2016-02-22 2018-11-27 Bank Of America Corporation System for external validation of distributed resource status
US10607285B2 (en) 2016-02-22 2020-03-31 Bank Of America Corporation System for managing serializability of resource transfers in a process data network
US10387878B2 (en) 2016-02-22 2019-08-20 Bank Of America Corporation System for tracking transfer of resources in a process data network
US10142312B2 (en) 2016-02-22 2018-11-27 Bank Of America Corporation System for establishing secure access for users in a process data network
US10178105B2 (en) 2016-02-22 2019-01-08 Bank Of America Corporation System for providing levels of security access to a process data network
US10475030B2 (en) 2016-02-22 2019-11-12 Bank Of America Corporation System for implementing a distributed ledger across multiple network nodes
US10318938B2 (en) 2016-02-22 2019-06-11 Bank Of America Corporation System for routing of process authorization and settlement to a user in process data network based on specified parameters
US10026118B2 (en) 2016-02-22 2018-07-17 Bank Of America Corporation System for allowing external validation of data in a process data network
US10440101B2 (en) 2016-02-22 2019-10-08 Bank Of America Corporation System for external validation of private-to-public transition protocols
US10679215B2 (en) 2016-02-22 2020-06-09 Bank Of America Corporation System for control of device identity and usage in a process data network
US10402796B2 (en) 2016-08-29 2019-09-03 Bank Of America Corporation Application life-cycle transition record recreation system
US20180089688A1 (en) * 2016-09-27 2018-03-29 Mastercard International Incorporated System and methods for authenticating a user using biometric data
US11631077B2 (en) 2017-01-17 2023-04-18 HashLynx Inc. System for facilitating secure electronic communications between entities and processing resource transfers
WO2019087349A1 (en) * 2017-11-02 2019-05-09 株式会社Leis Financial transaction control system, application therefor, financial transaction method using same, and financial transaction control method
US10929545B2 (en) 2018-07-31 2021-02-23 Bank Of America Corporation System for providing access to data stored in a distributed trust computing network
CN109784903A (en) * 2018-12-19 2019-05-21 四川商通实业有限公司 Orientation method of payment and its system based on prepaid card
US11113262B2 (en) * 2019-04-01 2021-09-07 Sap Se Time-efficient lock release in database systems
CN110021108B (en) * 2019-04-03 2021-04-13 西安印钞有限公司 Banknote crown word number recording and tracing method and system
US11875320B1 (en) 2020-02-28 2024-01-16 The Pnc Financial Services Group, Inc. Systems and methods for managing a financial account in a low-cash mode
CN113269554B (en) * 2021-05-12 2022-11-18 河北幸福消费金融股份有限公司 Data comparison method, system and storage medium
US12217004B2 (en) * 2021-06-17 2025-02-04 Ramp Business Corporation Real-time named entity based transaction approval
US12165153B2 (en) * 2022-02-10 2024-12-10 Capital One Services, Llc Computationally efficient theft detection
US12218933B2 (en) 2022-03-31 2025-02-04 Capital One Services, Llc Verification based on an encrypted representation of a physical identifier associated with a user

Family Cites Families (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7383988B2 (en) * 2005-08-31 2008-06-10 Metavante Corporation System and method for locking and unlocking a financial account card
LU91488B1 (en) * 2008-10-17 2010-04-19 Robert Carter Multifactor Authentication
SG192289A1 (en) * 2012-01-06 2013-08-30 Smart Communications Inc System, method and computer program arranged to facilitate a transaction
US20140089189A1 (en) * 2012-09-27 2014-03-27 S. Rao Vasireddy System, method, and apparatus to evaluate transaction security risk
US20140279509A1 (en) * 2013-03-14 2014-09-18 Facebook, Inc. Method for implementing an alternative payment

Also Published As

Publication number Publication date
PH12016501516A1 (en) 2017-02-06
WO2015119578A1 (en) 2015-08-13
CN107077669B9 (en) 2019-08-20
US20170178131A1 (en) 2017-06-22
CA2938399A1 (en) 2015-08-13
AU2015214646A1 (en) 2016-09-15
TW201539339A (en) 2015-10-16
CN107077669A (en) 2017-08-18
SG10201400156QA (en) 2015-09-29
JP2017508203A (en) 2017-03-23
KR20160119137A (en) 2016-10-12
MX2016010026A (en) 2016-10-07
EP3103082A1 (en) 2016-12-14
CN107077669B (en) 2019-04-30

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