52results about How to "Transaction can be blocked" patented technology

The present invention relates to a “double recognizing method by means of telephone number and identification code for online credit card transactions over the internet,” in which the credit card holder not only registers a “self-chosen code” by himself / herself for VBV (Verified By VISA) or MSC (MasterCard SecureCode) network identity verification but also registers another set of “telephone number and identification code” by himself / herself for serving as an exclusive personal double identity recognizing information for online credit card transactions. The credit card issuing bank registers and stores the set of “telephone number and identification code” on a double recognizing database after checking truth of the related identity certificate provided by the credit card holder. When the credit card issuing bank handles the online credit card transaction of the credit card holder over the network, the credit card issuing bank not only proceeds the check on the “self-chosen code” used in the original VBV or MSC verification system but also performs the double check on the “telephone number and identification code” used in the telecommunications transceiving processor platform of the internal credit card double recognizing computer system, for example by sending out a short message to the credit card holder for requesting him / her to immediately reply by another short message to his / her “telephone number and identification code.”

The present invention enables secure, valid card payments in credit transactions to be performed, preventing fraudulent card use even in cases of loss or theft of a card or of information theft. During a transaction authorization process using a transaction terminal disposed in a credit transaction member store and connected with a host computer, user validation or credit administration is carried out by using a portable communication terminal to input to the host computer identity information which has been previously registered in the portable communication terminal and / or location information for the portable communication terminal.

Product or service information in the form of selected wireless e-commerce content is transmitted from a server to a mobile device, such as mobile telephone or personal digital assistant. The e-commerce content is transmitted either in response to an explicit user request for communication of the e-commerce content, or, in the alternative, is “pushed” to the mobile device as permitted by a user but in the absence of a specific request. The e-commerce content received at the mobile device is presented to a user by the mobile device in textual or graphical format in conjunction with an indication of a communication needed to consummate an e-commerce transaction. If the user desires to purchase the good or service represented by the e-commerce content, the user initiates the communication indicated by the e-commerce content.

A method and a system for enabling secure authentication of a user in a computerized card access transaction. A card, identified by an identification number is issued to the user, containing software for generating a surrogate number referred to as a Cybercoupon for use in place of the regular card number. Online intrusion is avoided and the system is rendered portable for use on any computer equipped with a compatible operating system, by avoiding storage of any part of the system on the user's computer, placing the entire system instead on the card itself. The card contains advertising which appears on the user's computer screen. The card is protected by a password. If an incorrect password is entered more than a preset number of times, an “alert” Cybercoupon is generated containing a code advising the card issuer that an irregular attempt has been made to access the card.

The present invention enables secure, valid card payments in credit transactions to be performed, preventing fraudulent card use even in cases of loss or theft of a card or of information theft. During a transaction authorization process using a transaction terminal disposed in a credit transaction member store and connected with a host computer, user validation or credit administration is carried out by using a portable communication terminal to input to the host computer identity information which has been previously registered in the portable communication terminal and / or location information for the portable communication terminal.

Disclosed herein is a multi-step authentication-based electronic payment method using a mobile terminal. Order request information of a product is sequentially transmitted to an affiliated store server and a PG company server, and the product and a relevant affiliated store are verified. A mobile communication company server primarily authenticates the user, and the PG company server generates an OTP. The OTP is transmitted to allow the PG company server to secondarily authenticate the user using the OTP. The affiliated store server requests the PG company server to confirm information about a payment for the product and to information about authentication of the user, and the PG company server confirms payment and authentication information. The affiliated store server requests the PG company server to process payment for the product, the PG company server requests the mobile communication company server to process payment, and the mobile communication company server processes requested payment.

Transactional database replication techniques are disclosed that do not require altering of the database management system implementation. A replicator module includes a dynamic membership manager, which is configured to manage the persistent membership of a coordination group. The persistent membership can be, for example, a durable set of sites that can replicate changes amongst themselves. Changes from sites not in the persistent membership are discarded. The set of recovered members is a subset of the persistent membership. The persistent membership changes incrementally by either removing or adding members. Failed members may still be part of the persistent membership. The dynamic membership manager module manages the modification of the persistent membership, initialization of replicas, and propagation of membership information.

The present invention relates to an apparatus and a method for secure value transactions between a customer and a merchant in a computerised environment being part of a global interconnecting network, such as the Internet. The method is adapted for utilising existing credit card processing infrastructure and includes the steps of: the customer obtaining a password, such as a PIN, from an intermediate transaction party and validating a server of the intermediate transaction party, the merchant having installed a code module function on its web-based service that generates a transaction identification number, and redirecting or presenting the customer with a link to the intermediate transaction party. The present invention is characterised by the intermediate transaction party presenting the customer with a password-protected account page to validate a purchase either by marking a correct validation or inputting the transaction identification number and amount.

A method and system for preventing fraudulent card transactions and unauthorized access to computers and physical and virtual sites online and offline whether or not involving payment. A physical card, identified by a unique identification number (ID) is issued to the user. The method provides a system of password-protected, single-use, disposable Cybercoupons for secure, authenticated on-line credit transactions, each of the Cybercoupons comprising a personal user identification number (ID) modified by combination with a one-time Cybercode selected from a number of numeric or alphanumeric codes allocated by a credit supplier.

Disclosed herein is a multi-step authentication-based electronic payment method using a mobile terminal. Order request information of a product is sequentially transmitted to an affiliated store server and a PG company server, and the product and a relevant affiliated store are verified. A mobile communication company server primarily authenticates the user, and the PG company server generates an OTP. The OTP is transmitted to allow the PG company server to secondarily authenticate the user using the OTP. The affiliated store server requests the PG company server to confirm information about a payment for the product and information about authentication of the user, and the PG company server confirms payment and authentication information. The affiliated store server requests the PG company server to process payment for the product, the PG company server requests the mobile communication company server to process payment, and the mobile communication company server processes requested payment.

In an exemplary embodiment, a system includes a memory operable to store a user account identifier associated with a user account and a mobile device identifier associated with a mobile device. The memory is also operable to store a first user credential and a second user credential, the second user credential, wherein the second user credential comprises user input data captured by a sensor. The system includes a network interface operable to receive a request to authenticate a requesting user. The system also includes a processor operable to determine information included in the request to facilitate authentication of the requesting user and whether the information included in the request matches the information associated with the user account. The processor is further operable to authenticate the requesting user if the request is associated with the user account and information included in the request matches the information associated with the user account.

A payer submits a payment request when there has been no connection established with an online payment provider. The payment request is stored on the payer's device, such as a phone, and is transmitted to the payment provider when a connection is established. The payer can submit a plurality of offline payment requests, all of which can be transmitted and processed when received by the payment provider.

A method of processing signature-required payment using a handheld device with a wireless access capability is disclosed. When a consumer buys goods from a seller, the seller and consumer agree on the amount of payment and acceptable payment species. The delivery person of the shipper who delivers the goods on behalf of the seller processes the payment using customer's credit / debit card and a cellular phone or handheld device at the door of the customer. Upon approval of the payment, the delivery person releases the goods to the customer.

Anti-fraud measures are provided for a point-of-sale transaction using various consumer-oriented financial instruments such as credit cards, debit cards, and checks. Through a network, the payer is authenticated by a machine-readable official identification document and the availability of funds is verified by the payer's financial institution before the transaction is completed and the funds are immediately secured during the transaction. The entire transaction is securely verified and maintained in such a way that no party has a chance to alter any part of the transaction.

A computer-implemented method for generating a financial product that is configured to be used for one or more payment transactions. The method includes receiving a selection of a plurality of core accounts for providing financial backing for the financial product, and generating the financial product based on one or more control parameters that define use restrictions for the financial product.

An apparatus and method for verifying a customer's legitimacy to use a payment instrument based on access to financial account information provided by the instrument issuer is disclosed. A seller accepts details about goods and services to be delivered, and information about a payment instrument to be used in a purchase by a customer. More specifically, a merchant accepts information about a financial account from the customer including the account's billing address and the account's telephone number associated with the billing address. The merchant obtains a verified billing address from the financial institution holding the financial account by using an address verification system (AVS) and a verified physical address by performing a reverse telephone number query against a reverse telephone number database. The merchant then compares the verified billing address to the verified physical address. For further security the merchant can call either the telephone number provided by the customer or the numbers obtained from the reverse look up or AVS. The number may be called with an interactive voice system and ask questions about the transaction to verify that the customer has indeed made the transaction. Regardless of whether the telephone number provided by the “customer” is at the billing address or not, if a person commits fraud they gave a phone number where they can be reached and that phone number provides a link to the frauder which makes it easier to locate and prosecute them. Just the presence of such a link will deter some frauders.

Even if business processing is transaction, a standby-type cluster system copes with double faults in a short time while holding down the standby computer cost to the minimum. An execution server monitoring thread in a standby server periodically monitors an operation state of an execution server. Upon detecting time-out as a result of the monitoring, the thread resets the execution server, stops load balancing to an IP address of the execution server, recovers transaction of the execution server, and returns to monitoring of the operation state. If normality of the execution server is detected as the result of monitoring and an operation state in an execution server management table is “stop,” the thread starts the load balancing to the execution server and returns to the monitoring of the operation state.

A method and system for determining whether a situation is logically true or false upon occurrence of an event uses conditions associated with the situation in combination with current values of parameters related thereto to create and maintain a database of current thresholds each corresponding to respective limits which characterize the situation and at least one of which is a composite threshold that encapsulates multiple conditions that can be directly compared with a single parameter associated with an event. Responsive to an event, successive parameters associated with the event are compared with respective ones of the current thresholds until either there are no more thresholds to be compared or until it can be definitively established that the situation is logically true or false. Prior to processing a subsequent event, the current database thresholds are updated.

A method for securing card transaction by using mobile device is a method of personal card transaction added with a mechanism of mobile device so that it is capable of preventing the card from being embezzled and counterfeited effectively. Hence, it is possible for the card proprietor to place more trust in the safety of card transaction.

A self-service terminal, such as an ATM (Automated Teller Machine). The ATM has a communication port for interfacing with a user's portable electronic device. The ATM is operable to receive a transaction authorization from the user's portable electronic device, to examine the transaction authorization, and to dispense an item to fulfil a requested transaction associated with the transaction authorization, without the terminal preparing an authorization request to a remote computer.

A system and method for performing an electronic transaction, including registration, audit and trusted recovery features. A transaction request message is received from a registered user that includes an unblinded validated certificate, and a blinded unvalidated certificate. If the unblinded validated certificate is determined to be legitimate, then a transaction can be performed, and the blinded unvalidated certificate is validated to obtain a blinded, validated certificate that is sent to the user. An audit protocol can be used to further verify the legitimacy of the transaction request message, and a user can recover from a broken connection by replaying a protocol run.

An interconnect block for a data processing apparatus, said interconnect block being operable to provide data routes via which one or more initiator devices may access one or more recipient devices, said interconnect block comprising: a first and a second portion; said first portion comprising at least one initiator port for communicating with one of said initiator devices, and at least one recipient port for communicating with one of said recipient devices; said second portion comprising at least two recipient ports for communicating with at least two recipient devices, said second portion being connected to said first portion via at least two parallel connecting routes, said at least two recipient ports being connectable to said at least two parallel connecting routes; wherein in response to a request received from one of said initiator devices at said first portion to perform a transaction accessing one of said at least two recipients in communication with said second portion, said interconnect block is operable to provide a data route between said initiator device and said recipient device via said at least two parallel connecting routes and to maintain said data route for the duration of said transaction.

A computer-implemented method for generating a financial product that is configured to be used for one or more payment transactions. The method includes receiving a selection of a plurality of core accounts for providing financial backing for the financial product, and generating the financial product based on one or more control parameters that define use restrictions for the financial product.

A system and method for customer-oriented searching and purchasing of goods and services relies on a database having records corresponding to purveyors, products and services, and purchasers and maintained by a third party independent from all the foregoing. Searches may obtain information with or without cooperation of purveyors (vendors). Filtering before presentation to a user, according to specific needs or requirements eliminates inapplicable vendors, products, or services. Particularly, if quality rating, features, or actual availability is lacking, the system does not waste a user's time to evaluate. Deal-killer parameters and values punish vendors lacking disclosure. Rather than publish what the seller wants to advertise, the system retrieves for a user the information on items that meet criteria of, and according to their importance to, a user, especially deal-killer parameters.

In an exemplary embodiment, a system includes a memory operable to store a user account identifier associated with a user account and a mobile device identifier associated with a mobile device. The memory is also operable to store a first user credential and a second user credential, the second user credential, wherein the second user credential comprises user input data captured by a sensor. The system includes a network interface operable to receive a request to authenticate a requesting user. The system also includes a processor operable to determine information included in the request to facilitate authentication of the requesting user and whether the information included in the request matches the information associated with the user account. The processor is further operable to authenticate the requesting user if the request is associated with the user account and information included in the request matches the information associated with the user account.

Embodiments of the present invention provide improved concurrency by reducing the time period (also referred to herein as a locking window or contention window) during which a record is locked. This provides the benefits of pessimistic locking schemes by preventing transaction due to concurrent updates, while also reducing the time during which a record is exclusively locked. This improves user experience and performance.

In an electronic transaction on the Internet, an electronic coupon having pecuniary value information usable in the electronic transaction and owner identification information based on information characteristic of an information terminal is issued to the information terminal, the pecuniary value information and the owner identification information of the electronic coupon are recorded and managed as coupon management information in a transfer management memory, and the owner identification information in the transfer management memory is changed according to a transferee apparatus of the electronic coupon, whereby a settlement in the electronic transaction can be made simply and safely.