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WO2004081893A1 - Procede et systeme pour la commutation en position activee/inactivee d'une procedure d'autorisation en ligne distante et predeterminee - Google Patents

Procede et systeme pour la commutation en position activee/inactivee d'une procedure d'autorisation en ligne distante et predeterminee Download PDF

Info

Publication number
WO2004081893A1
WO2004081893A1 PCT/IL2004/000237 IL2004000237W WO2004081893A1 WO 2004081893 A1 WO2004081893 A1 WO 2004081893A1 IL 2004000237 W IL2004000237 W IL 2004000237W WO 2004081893 A1 WO2004081893 A1 WO 2004081893A1
Authority
WO
WIPO (PCT)
Prior art keywords
permit
permission status
cards
procedure
combination
Prior art date
Application number
PCT/IL2004/000237
Other languages
English (en)
Inventor
Asher Shoshani-Doron
Nir Yakobov
Original Assignee
Asher Shoshani-Doron
Nir Yakobov
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 Asher Shoshani-Doron, Nir Yakobov filed Critical Asher Shoshani-Doron
Publication of WO2004081893A1 publication Critical patent/WO2004081893A1/fr

Links

Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
    • 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/355—Personalisation of cards for use

Definitions

  • the present invention relates generally to authentication of authorized personnel and in particular to a method and system for remotely setting user authorization.
  • Online transactions enable a convenient purchasing of goods and services, usually by various communication devices, such as automatic teller machine (e.g., terminals), cellular or line telephones, WAP enabled personal assistants etc.
  • Various security measures may be taken to authorize the transactions.
  • US Pat. No. 4,868,900 to Mcquire et al. describes a point-of-sale credit card verifier, which switches on a verifier when information regarding invalid credit card is about to be transmitted on VHF radio broadcast.
  • US published patent application no. 2002116285 (Ito) describes a method for performing a transaction using a mobile communication system. This system involves delivering products from vendor (e.g., merchant) to a client, after reception of receipt inforaiation from a network accounting server. Nevertheless, it is widely acknowledged that many clients, merchants and credit card companies do not find those verification techniques to be sufficient.
  • Such a method comprises communicating a central data and processing center (CDPC) gathering up-to-date data concerning status of the permission status with the participants selected from a customer; a merchant; an owner of an identifiable device or identifying means; a user, owning the identifiable communicating device; and an owner of the identifiable device or identifying means, identity of the merchant. Said communication is provided by a means of said identifiable communicating device.
  • CDPC central data and processing center
  • a method for activating/deactivating the permission status of a user to execute a predetermined authorized procedure comprising: (a) receiving data indicative of a permission status to be associated with a permit in respect of an owner thereof, said data being amenable to repetitive changeover by said owner;
  • a permit comprising: an encoding unit for encoding a unique identification of the permit; a changeover switch for allowing repetitive changeover of a permission status of the permit; and a communication interface for communicating with a central repository maintaining a database of permit identifications and corresponding permission status so as to reflect an instantaneous permission status of said permit.
  • an authorization unit for activating/deactivating the permission status of a user to execute a predetermined authorized procedure
  • the authorization unit comprising: a first interface for receiving data indicative of a permission status to be associated with a permit in respect of an owner thereof, said data being amenable to repetitive changeover by said owner; an update unit coupled to said interface for updating a database of permit identifications and corresponding permission status so as to reflect an instantaneous permission status of each permit; a second interface for receiving from an authorized party an identity of a specific permit during execution of a procedure carried out using said permit; and a communication port coupled to the second interface for communicating to the authorized party data indicative of the permission status during execution of said procedure.
  • the method according to the invention is effective to ensure that the procedure application is authorized only in one case, wherein the user either owns or is legitimately associated with the identifiable device or identifying unit, or wherein an authorized user wishes to apply the procedure subject to the previously given permission of the owner.
  • the aforementioned procedure is selected, yet not limited to purchasing or rendering services or goods or usage or alternation of the status of credits, accounts, codes, databases, communication lines, communication networks, computers, computer networks and access to any of the above and any combination thereof.
  • the aforementioned merchant is selected, yet not limited to any identity providing merchandise or goods or services relating to either usage or alternation of the status of credits, accounts, codes, databases, communication lines, communication networks, computers, computer networks and access to any of the above and any combination thereof.
  • the aforementioned identifiable device is selected from credit cards, smart cards, club cards, customer cards, telephone cards, entrance cards, access permits, identity cards, driving licenses and any combination thereof.
  • the aforementioned 'identifying means' is selected from PIN or personal identification code, biometric identification, personal ID parameters, predetermined signs comprising at least one of the group of numbers, characters, symbols, voice or vocal characteristics, biometric characteristics and any combination thereof.
  • the aforementioned 'identifiable communicating device' is selected from line telephone or cellular phone, PC, a server, a network- computer, a terminal interconnected to a computer network and/or palm pilot having a communicating means, MIRS, coded radio or optical communications transceiver and any combination thereof.
  • the procedure to be authorized is purchasing of goods or services; said purchasing comprising the following participants: a customer, a merchant, an owner of a credit card and a user, owning the identifiable communicating device and a central data and processing center (CDPC) gathering relevant and keeping up-to-date data concerning the identity of the merchant, owner of the credit card and the available credit.
  • CDPC central data and processing center
  • the aforementioned selective activation/deactivation is characterized by selectivity towards or conditioned by the identity of the customer and/or the merchant, the type of the goods or services to be purchased, the sum of the transaction, the currency used in the transaction, terms of the credit, the time of the transaction and/or to its occurrence in a specific hour in a day and/or day in a year and any combination thereof.
  • This method is especially useful for activating/deactivating the permission status of credit cards to authorize a transaction, wherein said activating/deactivating is provided by means of an identifiable communicating device.
  • the aforementioned method procedure to be authorized is selected from access permission to a predetermined location, a subscription to services and any combination thereof. Additionally or alternatively, said method is useful wherein the remote procedure to be authorized is either usage or alternation of the status of credits, accounts, codes, databases, communication-lines, computers, computer networks and access to any of the above and any combination thereof.
  • the aforementioned communicating means is selected from the Internet, intranet, telephone line, computer LAN or WAN, PDF, properly coded SMS, GPRS, DTMF signaling, RF or optical communication means and any combination thereof.
  • the aforementioned procedure of activating/deactivating the permission status additionally comprises at least one of the following group: immediate or sustained activation/deactivation; online or offline activation/deactivation; singular or multiple allowance/abortion permissions; repetitive activation/deactivation; periodical, selective or non-selective activation /deactivation permissions and any combination thereof.
  • an effective on/off- switching system useful for activating/deactivating the permission status of a user to execute a predetermined authorized procedure by means of an identifiable device or identifying means.
  • an on/off authorization key Such an online switch enables the owner of a credit card or a property, for example, or a guard to authorize and allow the completion of selected procedures, such as credit transactions, access etc.
  • Fig. 1 schematically generally presents a flow chart defining the method for on/off- switching according to the present invention
  • Fig. 2 schematically presents a means for allowing a transaction based on the state of the on/off switch as defined in another preferred embodiment of the present invention
  • Fig. 3 schematically presents another pathway for allowing a transaction as defined in another preferred embodiment of the present invention.
  • FIG. 4 schematically illustrating the various means usually utilized for the method defined in the present invention.
  • Such a method is generally adapted to activate/deactivate the permission status of a user to either authorizing or to executing aforementioned procedure by a means of an identifiable communicating device.
  • the remote procedure to be authorized is purchasing of goods or services.
  • the remote procedure to be authorized is purchasing of goods or services.
  • the remote procedure to be authorized involves the following participants: at least one customer and merchant involved in the purchasing activity either directly, or in remote locations, via on-line or off-line communication.
  • other identities that may participate in the purchasing transaction include an owner of a credit card; a user, owning the identifiable communicating device; a central data and processing center (CDPC) gathering and maintaining relevant up-to-date data concerning the status of the permission switch, the means of card identification, the identity and means of identification of the card owner and, optionally, an identity of the merchant. It is well within the scope of the present invention that some or most of these identities are the same person.
  • the method generally comprising the following seven schematic operations:
  • the CDPC then updates its lists and switches on or off the permission status of aforementioned user to authorize or to abort future transactions.
  • the customer presents a credit card to a merchant in order to purchase goods or services.
  • the merchant introduces the credit card or its details to a transaction terminal.
  • the terminal initiates communication with the CDPC, frequently via a telephone line or other communications network.
  • the CDPC correlates between parameters, such as the transaction order and user identification, with the current authorization lists, as updated in (b).
  • CDPC acts according to the one of two different alternatives: i) aborting said transaction in case the permission to use the credit card was switched 'off, or, alternatively, ii) allowing said transaction to continue in case the usage permission of the credit card was switched 'on'.
  • the above sequence includes a suitable notification.
  • merchants may be notified in case of lack of credit-card usage permission, such as in the case of the owner having switched it 'off; the card owner may be notified or alternatively, asked to verify such a transaction; the owner and other identities may be promptly notified or alarmed in case of card misuse, such as in the case of initiating transaction in case of switched 'off credit card etc.
  • the remote procedure to be authorized as described above is selected from access permission to a predetermined location, data, a subscription to services or reception therein and any combination thereof. It is acknowledged in this respect that the present invention provides for a secure entrance of authorized personnel, public or other, to certain locations where authorization is requires for entrance, stay or exit. Those places may be selected, yet not limited to libraries, laboratories, hospitals, dormitories, police or army zones, hotels, clubs, sport centers, prisons, offices, plants, banks, public buildings, enclosures, etc. According to yet another embodiment of the present invention, the remote procedure to be authorized is either usage or changeover of the status of credits, accounts, codes, databases, communication lines, communication networks, computers, computer networks and access to any of the above and any combination thereof.
  • the identifiable device is selected from credit cards, smart cards, club cards, loyalty cards, customer cards, telephone cards, entrance cards, identity cards, driving licenses and any combination thereof.
  • the identifiable communicating device is selected from line telephone or cellular phone, PC, a network-computer, and/or palm pilot having a communicating means, MIRS, coded radio emitter and any combination thereof.
  • the communicating means is preferably selected from internet, intranet, telephone line, computer LAN or WAN, PDF, properly coded SMS, GPRS, DTMF signaling and any combination thereof or any other means of communication technologically available.
  • the procedure of activating/deactivating the permission status additionally comprises at least one of the following group: immediate or sustained activation/deactivation; online or offline activation/deactivation; singular or multiple allowance/abortion permissions; repetitive activation/deactivation; periodical, selective or non-selective, conditional or non- conditional activation/deactivation permissions and any combination thereof.
  • the selective or conditional activation/deactivation is characterized by selectivity towards the identity of the customer and/or the merchant, the type of the goods or services to be purchased, the sum of the transaction, the currency used of the transaction, terms of the credit, the time of the transaction and/or to its occurrence in a specific hour in a day and/or day in a year and any combination thereof.
  • a customer or user is a single person or a predetermined group of identities.
  • the conditions aforementioned can include different conditions pertaining to members of the group.
  • permission conditions can apply to limiting one member of the family (e.g. a child) to purchasing up to a predetermined purchase ceiling, to a limited assortment of merchandise or services, to certain time constraints, to particular locations or any combination thereof.
  • Each of the other members of the group will be associated with other conditional constraints.
  • FIG 1 schematically presenting one mode of the present invention.
  • the customer initiates communication with the CDPC to activate or to deactivate credit card usage or any other identifying object.
  • the customer credit card (or any other identifying means as defined above) is presented, preferably to a terminal, in order to initiate a transaction, or alternatively, in order to authorize any relevant procedure.
  • the terminal then initiates a communication with a CDPC, subsequently transmitting to the CDPC the customer credit card or permit number and/or any suitable identification of the customer. After that, the terminal requests customer permission status. If the permission is not granted, the requested transaction (or any other procedure as defined above) is aborted. Alternatively, if the permission is granted, the procedure is allowed to continue, and the transaction or the other procedure is carried out in its normal manner to completion.
  • FIG. 3 presenting a schematic flow chart of another mode of the present invention.
  • this preferred embodiment is not limited by any means to transactions in its limited scope, yet the issue of credit transaction is provided hereto as an example for any procedure required authorization.
  • customer card or other suitable means for identification is presented to the terminal in order to initiate the required transaction.
  • the terminal initiates the communication with the clearing house or data processing center, the terminal transmits transaction related information and/or any suitable identification to the clearing house.
  • the clearing house initiates communication with the CDPC, and transmits the said customer card number and, optionally, other identification required by the CDPC. Subsequently, the clearing-house requests customer permission status from the CDPC.
  • FIG. 4 illustrating at least a portion of useable communicating means, suitable to participate along the pathway of online on/off- switching of a remote and predetermined authorized procedure.
  • a mobile phone e.g., cellular phone of any type or system (41), computers (42) or terminals (43) of any type are interconnected with the WWW, Internet, intranet, VPN, etc (i.e., 44).
  • This latter means ( 5) is in communication ( 5, Web linkage, for example) with any suitable CDPC (46).
  • the CDPC is further interconnected with any cellular and/or RF link (47), and/or with a communication device (see line telephone 49) by means of a suitable PSTN telephone link (49 A) or any other relevant means of communication.
  • the aforementioned system is especially useful for activating/deactivating the permission status of credit cards to authorize a transaction, wherein said activating/deactivating is provided by means of an identifiable communicating device.
  • the identifiable communicating device is selected from line telephone or cellular phone, PC, a server, a network- computer, a terminal interconnected to a computer network and/or palm pilot having a communicating means, MIRS, coded radio emitter and any combination thereof.
  • the identifiable device is selected from credit cards, smart cards, club cards, customer cards, telephone cards, entrance cards, access cards, identity cards, driving licenses and any combination thereof.
  • system may be a suitably programmed computer.
  • the invention contemplates a computer program being readable by a computer for executing the method of the invention.
  • the invention further contemplates a machine-readable memory tangibly embodying a program of instructions executable by the machine for executing the method of the invention.

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

Abstract

Dans ce procédé et ce système, qui servent à activer/désactiver l'état de permission octroyée à un utilisateur d'exécuter une procédure autorisée prédéterminée, une unité d'autorisation reçoit des données indiquant un état de permission à associer à un permis détenu par un détenteur, les données pouvant être soumises à un changement répétitif par le détenteur. L'unité d'autorisation entretient une base de données d'identifications de permis et d'états de permission correspondants, afin de refléter l'état de permission instantané de chaque permis. En recevant de la part d'une partie autorisée l'identité d'un permis spécifique pendant l'exécution d'une procédure réalisée au moyen dudit permis, l'unité d'autorisation communique à la partie autorisée les données indiquant l'état de permission pendant l'exécution de la procédure.
PCT/IL2004/000237 2003-03-11 2004-03-11 Procede et systeme pour la commutation en position activee/inactivee d'une procedure d'autorisation en ligne distante et predeterminee WO2004081893A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
IL15487203A IL154872A0 (en) 2003-03-11 2003-03-11 A method for an on/off switching of a remote and predetermined online authorized procedure
IL154872 2003-03-11

Publications (1)

Publication Number Publication Date
WO2004081893A1 true WO2004081893A1 (fr) 2004-09-23

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PCT/IL2004/000237 WO2004081893A1 (fr) 2003-03-11 2004-03-11 Procede et systeme pour la commutation en position activee/inactivee d'une procedure d'autorisation en ligne distante et predeterminee

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IL (1) IL154872A0 (fr)
WO (1) WO2004081893A1 (fr)

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EP1887503A1 (fr) * 2006-08-09 2008-02-13 Deutsche Telekom AG Procédé et système destinés à la réalisation d'un processus de paiement à l'aide d'un moyen de paiement
US20080119267A1 (en) * 2006-11-10 2008-05-22 Christine Denlay Plastic roll up gaming tablet
US10755282B1 (en) 2008-10-31 2020-08-25 Wells Fargo Bank, N.A. Payment vehicle with on and off functions
US10867298B1 (en) 2008-10-31 2020-12-15 Wells Fargo Bank, N.A. Payment vehicle with on and off function
US10963589B1 (en) 2016-07-01 2021-03-30 Wells Fargo Bank, N.A. Control tower for defining access permissions based on data type
US10970707B1 (en) 2015-07-31 2021-04-06 Wells Fargo Bank, N.A. Connected payment card systems and methods
US10992606B1 (en) 2020-09-04 2021-04-27 Wells Fargo Bank, N.A. Synchronous interfacing with unaffiliated networked systems to alter functionality of sets of electronic assets
US10992679B1 (en) 2016-07-01 2021-04-27 Wells Fargo Bank, N.A. Access control tower
US11062388B1 (en) 2017-07-06 2021-07-13 Wells Fargo Bank, N.A Data control tower
US11188887B1 (en) 2017-11-20 2021-11-30 Wells Fargo Bank, N.A. Systems and methods for payment information access management
US11386223B1 (en) 2016-07-01 2022-07-12 Wells Fargo Bank, N.A. Access control tower
US11429975B1 (en) 2015-03-27 2022-08-30 Wells Fargo Bank, N.A. Token management system
US11546338B1 (en) 2021-01-05 2023-01-03 Wells Fargo Bank, N.A. Digital account controls portal and protocols for federated and non-federated systems and devices
US11556936B1 (en) 2017-04-25 2023-01-17 Wells Fargo Bank, N.A. System and method for card control
US11615402B1 (en) 2016-07-01 2023-03-28 Wells Fargo Bank, N.A. Access control tower
US11935020B1 (en) 2016-07-01 2024-03-19 Wells Fargo Bank, N.A. Control tower for prospective transactions
US12130937B1 (en) 2016-07-01 2024-10-29 Wells Fargo Bank, N.A. Control tower for prospective transactions
US12155641B1 (en) 2022-04-15 2024-11-26 Wells Fargo Bank, N.A. Network access tokens and meta-application programming interfaces for enhanced inter-enterprise system data promulgation and profiling
US12229384B2 (en) 2024-02-05 2025-02-18 Wells Fargo Bank, N.A. Access control interface for managing entities and permissions

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Cited By (81)

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Publication number Priority date Publication date Assignee Title
EP1887503A1 (fr) * 2006-08-09 2008-02-13 Deutsche Telekom AG Procédé et système destinés à la réalisation d'un processus de paiement à l'aide d'un moyen de paiement
US20080119267A1 (en) * 2006-11-10 2008-05-22 Christine Denlay Plastic roll up gaming tablet
US11068869B1 (en) 2008-10-31 2021-07-20 Wells Fargo Bank, N.A. Payment vehicle with on and off function
US11379829B1 (en) 2008-10-31 2022-07-05 Wells Fargo Bank, N.A. Payment vehicle with on and off function
US12217248B1 (en) 2008-10-31 2025-02-04 Wells Fargo Bank, N.A. Payment vehicle with on and off function
US11676136B1 (en) 2008-10-31 2023-06-13 Wells Fargo Bank, N.A. Payment vehicle with on and off function
US12154102B2 (en) 2008-10-31 2024-11-26 Wells Fargo Bank, N.A. Payment vehicle with on and off function
US11900390B1 (en) 2008-10-31 2024-02-13 Wells Fargo Bank, N.A. Payment vehicle with on and off function
US11010766B1 (en) 2008-10-31 2021-05-18 Wells Fargo Bank, N.A. Payment vehicle with on and off functions
US11037167B1 (en) 2008-10-31 2021-06-15 Wells Fargo Bank, N.A. Payment vehicle with on and off function
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US10755282B1 (en) 2008-10-31 2020-08-25 Wells Fargo Bank, N.A. Payment vehicle with on and off functions
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US11107070B1 (en) 2008-10-31 2021-08-31 Wells Fargo Bank, N. A. Payment vehicle with on and off function
US11880846B1 (en) 2008-10-31 2024-01-23 Wells Fargo Bank, N.A. Payment vehicle with on and off function
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US11823205B1 (en) 2015-03-27 2023-11-21 Wells Fargo Bank, N.A. Token management system
US11861594B1 (en) 2015-03-27 2024-01-02 Wells Fargo Bank, N.A. Token management system
US11893588B1 (en) 2015-03-27 2024-02-06 Wells Fargo Bank, N.A. Token management system
US11562347B1 (en) 2015-03-27 2023-01-24 Wells Fargo Bank, N.A. Token management system
US12073409B2 (en) 2015-03-27 2024-08-27 Wells Fargo Bank, N.A. Token management system
US12205121B2 (en) 2015-03-27 2025-01-21 Wells Fargo Bank, N.A. Token management system
US11429975B1 (en) 2015-03-27 2022-08-30 Wells Fargo Bank, N.A. Token management system
US11651379B1 (en) 2015-03-27 2023-05-16 Wells Fargo Bank, N.A. Token management system
US11847633B1 (en) 2015-07-31 2023-12-19 Wells Fargo Bank, N.A. Connected payment card systems and methods
US11367064B1 (en) 2015-07-31 2022-06-21 Wells Fargo Bank, N.A. Connected payment card systems and methods
US10970707B1 (en) 2015-07-31 2021-04-06 Wells Fargo Bank, N.A. Connected payment card systems and methods
US12112313B2 (en) 2015-07-31 2024-10-08 Wells Fargo Bank, N.A. Connected payment card systems and methods
US11900362B1 (en) 2015-07-31 2024-02-13 Wells Fargo Bank, N.A. Connected payment card systems and methods
US11170364B1 (en) 2015-07-31 2021-11-09 Wells Fargo Bank, N.A. Connected payment card systems and methods
US11200562B1 (en) 2015-07-31 2021-12-14 Wells Fargo Bank, N.A. Connected payment card systems and methods
US11727388B1 (en) 2015-07-31 2023-08-15 Wells Fargo Bank, N.A. Connected payment card systems and methods
US11386223B1 (en) 2016-07-01 2022-07-12 Wells Fargo Bank, N.A. Access control tower
US11928236B1 (en) 2016-07-01 2024-03-12 Wells Fargo Bank, N.A. Control tower for linking accounts to applications
US11755773B1 (en) 2016-07-01 2023-09-12 Wells Fargo Bank, N.A. Access control tower
US11762535B1 (en) 2016-07-01 2023-09-19 Wells Fargo Bank, N.A. Control tower restrictions on third party platforms
US12223091B2 (en) 2016-07-01 2025-02-11 Wells Fargo Bank, N.A. Control tower for linking accounts to applications
US11409902B1 (en) 2016-07-01 2022-08-09 Wells Fargo Bank, N.A. Control tower restrictions on third party platforms
US10963589B1 (en) 2016-07-01 2021-03-30 Wells Fargo Bank, N.A. Control tower for defining access permissions based on data type
US11853456B1 (en) 2016-07-01 2023-12-26 Wells Fargo Bank, N.A. Unlinking applications from accounts
US11736490B1 (en) 2016-07-01 2023-08-22 Wells Fargo Bank, N.A. Access control tower
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