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SG10201508081TA - Method and system for dynamic pin authorisation for atm or pos transactions - Google Patents

Method and system for dynamic pin authorisation for atm or pos transactions

Info

Publication number
SG10201508081TA
SG10201508081TA SG10201508081TA SG10201508081TA SG10201508081TA SG 10201508081T A SG10201508081T A SG 10201508081TA SG 10201508081T A SG10201508081T A SG 10201508081TA SG 10201508081T A SG10201508081T A SG 10201508081TA SG 10201508081T A SG10201508081T A SG 10201508081TA
Authority
SG
Singapore
Prior art keywords
authorisation
atm
dynamic pin
pos transactions
pos
Prior art date
Application number
SG10201508081TA
Inventor
Gurunathan Arunmurthy
Pareek Ravi
Original Assignee
Mastercard International 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 Mastercard International Inc filed Critical Mastercard International Inc
Priority to SG10201508081TA priority Critical patent/SG10201508081TA/en
Priority to US15/262,764 priority patent/US20170091730A1/en
Publication of SG10201508081TA publication Critical patent/SG10201508081TA/en

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/108—Remote banking, e.g. home banking
    • G06Q20/1085—Remote banking, e.g. home banking involving automatic teller machines [ATMs]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/10—Protecting distributed programs or content, e.g. vending or licensing of copyrighted material ; Digital rights management [DRM]
    • G06F21/12—Protecting executable software
    • G06F21/121—Restricting unauthorised execution of programs
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
    • G06F21/31—User authentication
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
    • G06F21/44—Program or device authentication
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q20/4012—Verifying personal identification numbers [PIN]

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Computer Security & Cryptography (AREA)
  • Software Systems (AREA)
  • Computer Hardware Design (AREA)
  • General Engineering & Computer Science (AREA)
  • Economics (AREA)
  • Development Economics (AREA)
  • Multimedia (AREA)
  • Technology Law (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Cash Registers Or Receiving Machines (AREA)
SG10201508081TA 2015-09-29 2015-09-29 Method and system for dynamic pin authorisation for atm or pos transactions SG10201508081TA (en)

Priority Applications (2)

Application Number Priority Date Filing Date Title
SG10201508081TA SG10201508081TA (en) 2015-09-29 2015-09-29 Method and system for dynamic pin authorisation for atm or pos transactions
US15/262,764 US20170091730A1 (en) 2015-09-29 2016-09-12 Method and system for dynamic pin authorisation for atm or pos transactions

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
SG10201508081TA SG10201508081TA (en) 2015-09-29 2015-09-29 Method and system for dynamic pin authorisation for atm or pos transactions

Publications (1)

Publication Number Publication Date
SG10201508081TA true SG10201508081TA (en) 2017-04-27

Family

ID=58406321

Family Applications (1)

Application Number Title Priority Date Filing Date
SG10201508081TA SG10201508081TA (en) 2015-09-29 2015-09-29 Method and system for dynamic pin authorisation for atm or pos transactions

Country Status (2)

Country Link
US (1) US20170091730A1 (en)
SG (1) SG10201508081TA (en)

Families Citing this family (9)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US11514451B2 (en) * 2011-03-15 2022-11-29 Capital One Services, Llc Systems and methods for performing financial transactions using active authentication
US10453062B2 (en) 2011-03-15 2019-10-22 Capital One Services, Llc Systems and methods for performing person-to-person transactions using active authentication
US10250594B2 (en) 2015-03-27 2019-04-02 Oracle International Corporation Declarative techniques for transaction-specific authentication
US10164971B2 (en) * 2015-10-22 2018-12-25 Oracle International Corporation End user initiated access server authenticity check
CN108351927B (en) 2015-10-23 2021-11-09 甲骨文国际公司 Password-free authentication for access management
SG10201610472XA (en) 2016-12-14 2018-07-30 Mastercard International Inc Processing electronic payments on a mobile computer device
US10949821B1 (en) * 2017-09-26 2021-03-16 Wells Fargo Bank, N.A. Forensic assisting and tracing for automated teller machines
US10325087B1 (en) 2018-07-09 2019-06-18 Capital One Services, Llc Systems and methods for authenticating a user at a public terminal
US20210248600A1 (en) * 2020-02-07 2021-08-12 Mastercard International Incorporated System and method to secure payment transactions

Family Cites Families (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US8843757B2 (en) * 2009-11-12 2014-09-23 Ca, Inc. One time PIN generation
WO2014108916A1 (en) * 2013-01-08 2014-07-17 Mandar Agashe A computer implemented system and method for cashless and cardless transactions
US9432339B1 (en) * 2014-09-29 2016-08-30 Emc Corporation Automated token renewal using OTP-based authentication codes

Also Published As

Publication number Publication date
US20170091730A1 (en) 2017-03-30

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