CA3054287C - Contacts pour paiements mal achemines et authentification d'utilisateur - Google Patents

Contacts pour paiements mal achemines et authentification d'utilisateur Download PDF

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Publication number
CA3054287C
CA3054287C CA3054287A CA3054287A CA3054287C CA 3054287 C CA3054287 C CA 3054287C CA 3054287 A CA3054287 A CA 3054287A CA 3054287 A CA3054287 A CA 3054287A CA 3054287 C CA3054287 C CA 3054287C
Authority
CA
Canada
Prior art keywords
recipient
user
payment
mobile device
contact records
Prior art date
Legal status (The legal status 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 status listed.)
Active
Application number
CA3054287A
Other languages
English (en)
Other versions
CA3054287A1 (fr
Inventor
Brian Grassadonia
Ayokunle OMOJOLA
Michael Moring
Robert Andersen
Daniele Perito
Kristopher Stipech
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Block Inc
Original Assignee
Block 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
Priority claimed from US15/419,940 external-priority patent/US10810569B2/en
Priority claimed from US15/419,921 external-priority patent/US9934502B1/en
Application filed by Block Inc filed Critical Block Inc
Publication of CA3054287A1 publication Critical patent/CA3054287A1/fr
Application granted granted Critical
Publication of CA3054287C publication Critical patent/CA3054287C/fr
Active legal-status Critical Current
Anticipated expiration legal-status Critical

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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3223—Realising banking transactions through M-devices
    • 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
    • G06Q20/4014—Identity check for transactions
    • 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
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment

Landscapes

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

Abstract

L'invention concerne des systèmes et des procédés permettant de traiter une requête de paiement qui utilise des dispositifs mobiles pour procéder à un transfert d'argent. Ces dispositifs mobiles peuvent exécuter une application de transfert de paiement qui facilite un transfert d'argent. Un utilisateur peut ensuite exécuter l'application de transfert de paiement à l'aide d'un dispositif mobile pour envoyer de l'argent, par l'intermédiaire d'un système de traitement de paiement qui exécute l'application de transfert de paiement, à un compte bénéficiaire. Une ou plusieurs techniques authentifient un utilisateur du dispositif mobile par une authentification multifactorielle avant de traiter des requêtes de transfert d'argent initiées par l'utilisateur.
CA3054287A 2017-01-30 2018-01-18 Contacts pour paiements mal achemines et authentification d'utilisateur Active CA3054287C (fr)

Applications Claiming Priority (5)

Application Number Priority Date Filing Date Title
US15/419,940 US10810569B2 (en) 2017-01-30 2017-01-30 Contacts for misdirected payments and user authentication
US15/419,921 US9934502B1 (en) 2017-01-30 2017-01-30 Contacts for misdirected payments and user authentication
US15/419,921 2017-01-30
US15/419,940 2017-01-30
PCT/US2018/014126 WO2018140272A1 (fr) 2017-01-30 2018-01-18 Contacts pour paiements mal acheminés et authentification d'utilisateur

Publications (2)

Publication Number Publication Date
CA3054287A1 CA3054287A1 (fr) 2018-08-02
CA3054287C true CA3054287C (fr) 2022-07-12

Family

ID=61569395

Family Applications (1)

Application Number Title Priority Date Filing Date
CA3054287A Active CA3054287C (fr) 2017-01-30 2018-01-18 Contacts pour paiements mal achemines et authentification d'utilisateur

Country Status (3)

Country Link
AU (1) AU2018213955B9 (fr)
CA (1) CA3054287C (fr)
WO (1) WO2018140272A1 (fr)

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US11783314B2 (en) 2017-01-30 2023-10-10 Block, Inc. Contacts for misdirected payments and user authentication
US12572919B2 (en) 2015-09-30 2026-03-10 Block, Inc. Permission management via mobile payment application

Families Citing this family (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US10423948B1 (en) 2017-06-29 2019-09-24 Square, Inc. Automated third-party messaging
US10810574B1 (en) 2017-06-29 2020-10-20 Square, Inc. Electronic audible payment messaging
CN110033362B (zh) * 2018-11-14 2023-07-18 创新先进技术有限公司 一种打款方法、装置及设备
US11887082B2 (en) * 2020-12-15 2024-01-30 Bank Of America Corporation System for implementing centralized resource distribution framework
CN119005992B (zh) * 2024-10-24 2025-02-07 四川纷领信息技术有限公司 一种基于多源信息融合的安全支付防护方法及系统

Family Cites Families (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20050273626A1 (en) * 2004-06-02 2005-12-08 Steven Pearson System and method for portable authentication
US20060131385A1 (en) * 2004-12-16 2006-06-22 Kim Mike I Conditional transaction notification and implied approval system
US8509734B1 (en) * 2008-06-26 2013-08-13 Amazon Technologies, Inc. Location aware transaction authorization
GB2475252A (en) * 2009-11-10 2011-05-18 Skype Ltd A hashing scheme is used to facilitate identifying the presence of matching information items on different network nodes without disclosing the information.
US8682297B2 (en) * 2011-10-11 2014-03-25 Tangome, Inc. Seamlessly authenticating device users
GB201408539D0 (en) * 2014-05-14 2014-06-25 Mastercard International Inc Improvements in mobile payment systems

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US12572919B2 (en) 2015-09-30 2026-03-10 Block, Inc. Permission management via mobile payment application
US11783314B2 (en) 2017-01-30 2023-10-10 Block, Inc. Contacts for misdirected payments and user authentication

Also Published As

Publication number Publication date
AU2018213955B2 (en) 2021-07-08
CA3054287A1 (fr) 2018-08-02
WO2018140272A1 (fr) 2018-08-02
AU2018213955A1 (en) 2019-09-12
AU2018213955B9 (en) 2021-11-04

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