| US5280527A (en) | 1992-04-14 | 1994-01-18 | Kamahira Safe Co., Inc. | Biometric token for authorizing access to a host system |
| US5613012A (en) | 1994-11-28 | 1997-03-18 | Smarttouch, Llc. | Tokenless identification system for authorization of electronic transactions and electronic transmissions |
| US5781438A (en) | 1995-12-19 | 1998-07-14 | Pitney Bowes Inc. | Token generation process in an open metering system |
| US6044360A (en) | 1996-04-16 | 2000-03-28 | Picciallo; Michael J. | Third party credit card |
| US5930767A (en) | 1997-05-28 | 1999-07-27 | Motorola, Inc. | Transaction methods systems and devices |
| US5913203A (en) | 1996-10-03 | 1999-06-15 | Jaesent Inc. | System and method for pseudo cash transactions |
| US5953710A (en) | 1996-10-09 | 1999-09-14 | Fleming; Stephen S. | Children's credit or debit card system |
| GB9624127D0 (en) | 1996-11-20 | 1997-01-08 | British Telecomm | Transaction system |
| US5949044A (en) | 1997-06-13 | 1999-09-07 | Walker Asset Management Limited Partnership | Method and apparatus for funds and credit line transfers |
| US6163771A (en) | 1997-08-28 | 2000-12-19 | Walker Digital, Llc | Method and device for generating a single-use financial account number |
| US7177835B1 (en) | 1997-08-28 | 2007-02-13 | Walker Digital, Llc | Method and device for generating a single-use financial account number |
| US6000832A (en) | 1997-09-24 | 1999-12-14 | Microsoft Corporation | Electronic online commerce card with customer generated transaction proxy number for online transactions |
| US5883810A (en) | 1997-09-24 | 1999-03-16 | Microsoft Corporation | Electronic online commerce card with transactionproxy number for online transactions |
| US6014635A (en) | 1997-12-08 | 2000-01-11 | Shc Direct, Inc. | System and method for providing a discount credit transaction network |
| US6385596B1 (en) | 1998-02-06 | 2002-05-07 | Liquid Audio, Inc. | Secure online music distribution system |
| US6980670B1 (en) | 1998-02-09 | 2005-12-27 | Indivos Corporation | Biometric tokenless electronic rewards system and method |
| US6636833B1 (en) | 1998-03-25 | 2003-10-21 | Obis Patents Ltd. | Credit card system and method |
| US6422462B1 (en) | 1998-03-30 | 2002-07-23 | Morris E. Cohen | Apparatus and methods for improved credit cards and credit card transactions |
| IL125826A (en) | 1998-08-17 | 2001-05-20 | Ur Jonathan Shem | Method for preventing unauthorized use of credit cards in remote payments and an optional supplemental-code card for use therein |
| US8799153B2 (en) | 1998-08-31 | 2014-08-05 | Mastercard International Incorporated | Systems and methods for appending supplemental payment data to a transaction message |
| US6327578B1 (en) | 1998-12-29 | 2001-12-04 | International Business Machines Corporation | Four-party credit/debit payment protocol |
| US7571139B1 (en) | 1999-02-19 | 2009-08-04 | Giordano Joseph A | System and method for processing financial transactions |
| US6227447B1 (en) | 1999-05-10 | 2001-05-08 | First Usa Bank, Na | Cardless payment system |
| US7194437B1 (en) | 1999-05-14 | 2007-03-20 | Amazon.Com, Inc. | Computer-based funds transfer system |
| US7908216B1 (en) | 1999-07-22 | 2011-03-15 | Visa International Service Association | Internet payment, authentication and loading system using virtual smart card |
| AU6229000A (en) | 1999-07-26 | 2001-02-13 | Iprivacy Llc | Electronic purchase of goods over a communication network including physical delivery while securing private and personal information |
| US6748367B1 (en) | 1999-09-24 | 2004-06-08 | Joonho John Lee | Method and system for effecting financial transactions over a public network without submission of sensitive information |
| JP2003519420A (en) | 1999-12-17 | 2003-06-17 | チャンタレイ・コーポレイション・リミテッド | Trading system with security |
| US7426750B2 (en) | 2000-02-18 | 2008-09-16 | Verimatrix, Inc. | Network-based content distribution system |
| US6453301B1 (en) | 2000-02-23 | 2002-09-17 | Sony Corporation | Method of using personal device with internal biometric in conducting transactions over a network |
| AU2001239945A1 (en) | 2000-02-29 | 2001-09-12 | E-Scoring, Inc. | Systems and methods enabling anonymous credit transactions |
| US7865414B2 (en) | 2000-03-01 | 2011-01-04 | Passgate Corporation | Method, system and computer readable medium for web site account and e-commerce management from a central location |
| TW550477B (en) | 2000-03-01 | 2003-09-01 | Passgate Corp | Method, system and computer readable medium for Web site account and e-commerce management from a central location |
| US7627531B2 (en) | 2000-03-07 | 2009-12-01 | American Express Travel Related Services Company, Inc. | System for facilitating a transaction |
| CA2403283A1 (en) | 2000-03-15 | 2001-09-20 | Edward J. Hogan | Method and system for secure payments over a computer network |
| US20100228668A1 (en) | 2000-04-11 | 2010-09-09 | Hogan Edward J | Method and System for Conducting a Transaction Using a Proximity Device and an Identifier |
| US20100223186A1 (en) | 2000-04-11 | 2010-09-02 | Hogan Edward J | Method and System for Conducting Secure Payments |
| US6990470B2 (en) | 2000-04-11 | 2006-01-24 | Mastercard International Incorporated | Method and system for conducting secure payments over a computer network |
| US7177848B2 (en) | 2000-04-11 | 2007-02-13 | Mastercard International Incorporated | Method and system for conducting secure payments over a computer network without a pseudo or proxy account number |
| US7379919B2 (en) | 2000-04-11 | 2008-05-27 | Mastercard International Incorporated | Method and system for conducting secure payments over a computer network |
| US20070129955A1 (en) | 2000-04-14 | 2007-06-07 | American Express Travel Related Services Company, Inc. | System and method for issuing and using a loyalty point advance |
| CA2406001A1 (en) | 2000-04-14 | 2001-10-25 | American Express Travel Related Services Company, Inc. | A system and method for using loyalty points |
| CA2305249A1 (en) | 2000-04-14 | 2001-10-14 | Branko Sarcanin | Virtual safe |
| US6592044B1 (en) | 2000-05-15 | 2003-07-15 | Jacob Y. Wong | Anonymous electronic card for generating personal coupons useful in commercial and security transactions |
| WO2001092989A2 (en) | 2000-05-26 | 2001-12-06 | Interchecks, Llc | Methods and systems for network based electronic purchasing system |
| US6891953B1 (en) | 2000-06-27 | 2005-05-10 | Microsoft Corporation | Method and system for binding enhanced software features to a persona |
| US6938019B1 (en) | 2000-08-29 | 2005-08-30 | Uzo Chijioke Chukwuemeka | Method and apparatus for making secure electronic payments |
| AU2001286985A1 (en) | 2000-09-01 | 2002-03-13 | Infospace, Inc. | Method and system for facilitating the transfer of funds utilizing a telephonic identifier |
| US20020073045A1 (en) | 2000-10-23 | 2002-06-13 | Rubin Aviel D. | Off-line generation of limited-use credit card numbers |
| US7996288B1 (en) | 2000-11-15 | 2011-08-09 | Iprivacy, Llc | Method and system for processing recurrent consumer transactions |
| US20040236632A1 (en) | 2000-12-07 | 2004-11-25 | Maritzen Michael L. | System and method for conducing financial transactions using a personal transaction device with vehicle-accessed, payment-gateway terminals |
| US6931382B2 (en) | 2001-01-24 | 2005-08-16 | Cdck Corporation | Payment instrument authorization technique |
| GB2372616A (en) | 2001-02-23 | 2002-08-28 | Hewlett Packard Co | Transaction method and apparatus using two part tokens |
| US7292999B2 (en) | 2001-03-15 | 2007-11-06 | American Express Travel Related Services Company, Inc. | Online card present transaction |
| US7237117B2 (en) | 2001-03-16 | 2007-06-26 | Kenneth P. Weiss | Universal secure registry |
| WO2002077745A2 (en) | 2001-03-26 | 2002-10-03 | Wolfram Johannes Bernd Reiners | Transaction authorisation system |
| US20020147913A1 (en) | 2001-04-09 | 2002-10-10 | Lun Yip William Wai | Tamper-proof mobile commerce system |
| US7650314B1 (en) | 2001-05-25 | 2010-01-19 | American Express Travel Related Services Company, Inc. | System and method for securing a recurrent billing transaction |
| US8060448B2 (en) | 2001-05-30 | 2011-11-15 | Jones Thomas C | Late binding tokens |
| JP4363800B2 (en) | 2001-06-11 | 2009-11-11 | ソニー株式会社 | Electronic commerce support apparatus, electronic commerce support method, and computer program |
| US20060237528A1 (en) | 2001-07-10 | 2006-10-26 | Fred Bishop | Systems and methods for non-traditional payment |
| US7805378B2 (en) | 2001-07-10 | 2010-09-28 | American Express Travel Related Servicex Company, Inc. | System and method for encoding information in magnetic stripe format for use in radio frequency identification transactions |
| US8737954B2 (en) | 2001-08-21 | 2014-05-27 | Bookit Oy Ajanvarauspalvelu | Managing recurring payments from mobile terminals |
| US7444676B1 (en) | 2001-08-29 | 2008-10-28 | Nader Asghari-Kamrani | Direct authentication and authorization system and method for trusted network of financial institutions |
| US7103576B2 (en) | 2001-09-21 | 2006-09-05 | First Usa Bank, Na | System for providing cardless payment |
| US7805376B2 (en) | 2002-06-14 | 2010-09-28 | American Express Travel Related Services Company, Inc. | Methods and apparatus for facilitating a transaction |
| US6901387B2 (en) | 2001-12-07 | 2005-05-31 | General Electric Capital Financial | Electronic purchasing method and apparatus for performing the same |
| US7904360B2 (en) | 2002-02-04 | 2011-03-08 | Alexander William EVANS | System and method for verification, authentication, and notification of a transaction |
| US7890393B2 (en) | 2002-02-07 | 2011-02-15 | Ebay, Inc. | Method and system for completing a transaction between a customer and a merchant |
| AUPS087602A0 (en) | 2002-03-04 | 2002-03-28 | Ong, Yong Kin (Michael) | Electronic fund transfer system |
| US20040210498A1 (en) | 2002-03-29 | 2004-10-21 | Bank One, National Association | Method and system for performing purchase and other transactions using tokens with multiple chips |
| WO2003083619A2 (en) | 2002-03-29 | 2003-10-09 | Bank One, Delaware, N.A. | System and process for performing purchase transaction using tokens |
| US20030191709A1 (en) | 2002-04-03 | 2003-10-09 | Stephen Elston | Distributed payment and loyalty processing for retail and vending |
| GB2387253B (en) | 2002-04-03 | 2004-02-18 | Swivel Technologies Ltd | System and method for secure credit and debit card transactions |
| US7707120B2 (en) | 2002-04-17 | 2010-04-27 | Visa International Service Association | Mobile account authentication service |
| WO2003091849A2 (en) | 2002-04-23 | 2003-11-06 | The Clearing House Service Company L.L.C. | Payment identification code system |
| US8412623B2 (en) | 2002-07-15 | 2013-04-02 | Citicorp Credit Services, Inc. | Method and system for a multi-purpose transactional platform |
| US7209561B1 (en) | 2002-07-19 | 2007-04-24 | Cybersource Corporation | System and method for generating encryption seed values |
| US20040127256A1 (en) | 2002-07-30 | 2004-07-01 | Scott Goldthwaite | Mobile device equipped with a contactless smart card reader/writer |
| US7801826B2 (en) | 2002-08-08 | 2010-09-21 | Fujitsu Limited | Framework and system for purchasing of goods and services |
| US7353382B2 (en) | 2002-08-08 | 2008-04-01 | Fujitsu Limited | Security framework and protocol for universal pervasive transactions |
| US7606560B2 (en) | 2002-08-08 | 2009-10-20 | Fujitsu Limited | Authentication services using mobile device |
| US6805287B2 (en) | 2002-09-12 | 2004-10-19 | American Express Travel Related Services Company, Inc. | System and method for converting a stored value card to a credit card |
| EP1579298A4 (en) | 2002-11-05 | 2006-08-09 | Aaron Whiteman | Remote purchasing system and method |
| GB2396472A (en) | 2002-12-18 | 2004-06-23 | Ncr Int Inc | System for cash withdrawal |
| US7827101B2 (en) | 2003-01-10 | 2010-11-02 | First Data Corporation | Payment system clearing for transactions |
| TW200412524A (en) | 2003-01-15 | 2004-07-16 | Lee Fung Chi | A small amount paying/receiving system |
| US8082210B2 (en) | 2003-04-29 | 2011-12-20 | The Western Union Company | Authentication for online money transfers |
| GB0318000D0 (en) | 2003-07-31 | 2003-09-03 | Ncr Int Inc | Mobile applications |
| US7740168B2 (en) | 2003-08-18 | 2010-06-22 | Visa U.S.A. Inc. | Method and system for generating a dynamic verification value |
| US20050199709A1 (en) | 2003-10-10 | 2005-09-15 | James Linlor | Secure money transfer between hand-held devices |
| US7567936B1 (en) | 2003-10-14 | 2009-07-28 | Paradox Technical Solutions Llc | Method and apparatus for handling pseudo identities |
| US20050080730A1 (en) | 2003-10-14 | 2005-04-14 | First Data Corporation | System and method for secure account transactions |
| US20050108178A1 (en) | 2003-11-17 | 2005-05-19 | Richard York | Order risk determination |
| JP2005157881A (en)* | 2003-11-27 | 2005-06-16 | Canon Inc | Server terminal device, client terminal device, object management system, object management method, computer program, and recording medium |
| US7543739B2 (en) | 2003-12-17 | 2009-06-09 | Qsecure, Inc. | Automated payment card fraud detection and location |
| US20050137889A1 (en)* | 2003-12-18 | 2005-06-23 | Wheeler David M. | Remotely binding data to a user device |
| CN1914895B (en) | 2004-01-20 | 2018-03-09 | 黄金富 | System and method for safe money payment with lock bank computer account by telephone |
| US7580898B2 (en) | 2004-03-15 | 2009-08-25 | Qsecure, Inc. | Financial transactions with dynamic personal account numbers |
| US7584153B2 (en) | 2004-03-15 | 2009-09-01 | Qsecure, Inc. | Financial transactions with dynamic card verification values |
| GB0407369D0 (en) | 2004-03-31 | 2004-05-05 | British Telecomm | Trust tokens |
| US20140019352A1 (en) | 2011-02-22 | 2014-01-16 | Visa International Service Association | Multi-purpose virtual card transaction apparatuses, methods and systems |
| US20050269401A1 (en) | 2004-06-03 | 2005-12-08 | Tyfone, Inc. | System and method for securing financial transactions |
| US20050269402A1 (en) | 2004-06-03 | 2005-12-08 | Tyfone, Inc. | System and method for securing financial transactions |
| US8412837B1 (en) | 2004-07-08 | 2013-04-02 | James A. Roskind | Data privacy |
| US7264154B2 (en) | 2004-07-12 | 2007-09-04 | Harris David N | System and method for securing a credit account |
| US7287692B1 (en) | 2004-07-28 | 2007-10-30 | Cisco Technology, Inc. | System and method for securing transactions in a contact center environment |
| GB0420409D0 (en) | 2004-09-14 | 2004-10-20 | Waterleaf Ltd | Online commercial transaction system and method of operation thereof |
| US7051929B2 (en) | 2004-10-18 | 2006-05-30 | Gongling Li | Secure credit card having daily changed security number |
| US7548889B2 (en) | 2005-01-24 | 2009-06-16 | Microsoft Corporation | Payment information security for multi-merchant purchasing environment for downloadable products |
| US20060235795A1 (en) | 2005-04-19 | 2006-10-19 | Microsoft Corporation | Secure network commercial transactions |
| US7849020B2 (en) | 2005-04-19 | 2010-12-07 | Microsoft Corporation | Method and apparatus for network transactions |
| US20080035738A1 (en) | 2005-05-09 | 2008-02-14 | Mullen Jeffrey D | Dynamic credit card with magnetic stripe and embedded encoder and methods for using the same to provide a copy-proof credit card |
| US7793851B2 (en) | 2005-05-09 | 2010-09-14 | Dynamics Inc. | Dynamic credit card with magnetic stripe and embedded encoder and methods for using the same to provide a copy-proof credit card |
| WO2006135779A2 (en) | 2005-06-10 | 2006-12-21 | American Express Travel Related Services Company, Inc. | System and method for mass transit merchant payment |
| CN101558414A (en) | 2005-07-15 | 2009-10-14 | 革新货币公司 | System and method for user selection of fraud detection rules |
| US7669054B2 (en)* | 2005-08-17 | 2010-02-23 | Common Credential Systems, L.L.C. | Legacy access control security system modernization apparatus |
| US8762263B2 (en) | 2005-09-06 | 2014-06-24 | Visa U.S.A. Inc. | System and method for secured account numbers in proximity devices |
| US8352376B2 (en) | 2005-10-11 | 2013-01-08 | Amazon Technologies, Inc. | System and method for authorization of transactions |
| US8205791B2 (en) | 2005-10-11 | 2012-06-26 | National Payment Card Association | Payment system and methods |
| US7853995B2 (en) | 2005-11-18 | 2010-12-14 | Microsoft Corporation | Short-lived certificate authority service |
| US20070136193A1 (en) | 2005-12-13 | 2007-06-14 | Bellsouth Intellectual Property Corporation | Methods, transactional cards, and systems using account identifers customized by the account holder |
| US8275312B2 (en) | 2005-12-31 | 2012-09-25 | Blaze Mobile, Inc. | Induction triggered transactions using an external NFC device |
| US8352323B2 (en) | 2007-11-30 | 2013-01-08 | Blaze Mobile, Inc. | Conducting an online payment transaction using an NFC enabled mobile communication device |
| US20070170247A1 (en) | 2006-01-20 | 2007-07-26 | Maury Samuel Friedman | Payment card authentication system and method |
| EP1979864A1 (en) | 2006-01-30 | 2008-10-15 | CPNI Inc. | A system and method for authorizing a funds transfer or payment using a phone number |
| US8234220B2 (en) | 2007-02-21 | 2012-07-31 | Weiss Kenneth P | Universal secure registry |
| EP1987463A1 (en) | 2006-02-21 | 2008-11-05 | WEISS, Kenneth P. | Method and apparatus for secure access payment and identification |
| RU2438172C2 (en) | 2006-03-02 | 2011-12-27 | Виза Интернешнл Сервис Ассошиэйшн | Method and system for performing two-factor authentication in mail order and telephone order transactions |
| US8225385B2 (en) | 2006-03-23 | 2012-07-17 | Microsoft Corporation | Multiple security token transactions |
| US7818264B2 (en) | 2006-06-19 | 2010-10-19 | Visa U.S.A. Inc. | Track data encryption |
| US9065643B2 (en) | 2006-04-05 | 2015-06-23 | Visa U.S.A. Inc. | System and method for account identifier obfuscation |
| US20070245414A1 (en) | 2006-04-14 | 2007-10-18 | Microsoft Corporation | Proxy Authentication and Indirect Certificate Chaining |
| US20070288377A1 (en) | 2006-04-26 | 2007-12-13 | Yosef Shaked | System and method for authenticating a customer's identity and completing a secure credit card transaction without the use of a credit card number |
| US20070291995A1 (en) | 2006-06-09 | 2007-12-20 | Rivera Paul G | System, Method, and Apparatus for Preventing Identity Fraud Associated With Payment and Identity Cards |
| US20080015988A1 (en) | 2006-06-28 | 2008-01-17 | Gary Brown | Proxy card authorization system |
| US10019708B2 (en) | 2006-08-25 | 2018-07-10 | Amazon Technologies, Inc. | Utilizing phrase tokens in transactions |
| US7469151B2 (en) | 2006-09-01 | 2008-12-23 | Vivotech, Inc. | Methods, systems and computer program products for over the air (OTA) provisioning of soft cards on devices with wireless communications capabilities |
| US20080228646A1 (en) | 2006-10-04 | 2008-09-18 | Myers James R | Method and system for managing a non-changing payment card account number |
| CH698351B1 (en) | 2006-11-16 | 2015-06-15 | Net1 Ueps Technologies Inc | Secured financial transaction. |
| US7848980B2 (en) | 2006-12-26 | 2010-12-07 | Visa U.S.A. Inc. | Mobile payment system and method using alias |
| US20090006262A1 (en) | 2006-12-30 | 2009-01-01 | Brown Kerry D | Financial transaction payment processor |
| US7841539B2 (en) | 2007-02-15 | 2010-11-30 | Alfred Hewton | Smart card with random temporary account number generation |
| US20080201264A1 (en) | 2007-02-17 | 2008-08-21 | Brown Kerry D | Payment card financial transaction authenticator |
| US20080243702A1 (en) | 2007-03-30 | 2008-10-02 | Ricoh Company, Ltd. | Tokens Usable in Value-Based Transactions |
| US7938318B2 (en) | 2007-04-03 | 2011-05-10 | Intellectual Ventures Holding 32 Llc | System and method for controlling secured transaction using directionally coded account identifiers |
| US7896238B2 (en) | 2007-04-03 | 2011-03-01 | Intellectual Ventures Holding 32 Llc | Secured transaction using color coded account identifiers |
| EP3575951A1 (en) | 2007-04-17 | 2019-12-04 | Visa USA, Inc. | Method and system for authenticating a party to a transaction |
| US7959076B1 (en) | 2007-04-26 | 2011-06-14 | United Services Automobile Association (Usaa) | Secure card |
| US8109436B1 (en) | 2007-04-26 | 2012-02-07 | United Services Automobile Association (Usaa) | Secure card |
| US7784685B1 (en) | 2007-04-26 | 2010-08-31 | United Services Automobile Association (Usaa) | Secure card |
| US7770789B2 (en) | 2007-05-17 | 2010-08-10 | Shift4 Corporation | Secure payment card transactions |
| US7891563B2 (en) | 2007-05-17 | 2011-02-22 | Shift4 Corporation | Secure payment card transactions |
| US7841523B2 (en) | 2007-05-17 | 2010-11-30 | Shift4 Corporation | Secure payment card transactions |
| US7971261B2 (en) | 2007-06-12 | 2011-06-28 | Microsoft Corporation | Domain management for digital media |
| US7739169B2 (en) | 2007-06-25 | 2010-06-15 | Visa U.S.A. Inc. | Restricting access to compromised account information |
| US8121956B2 (en) | 2007-06-25 | 2012-02-21 | Visa U.S.A. Inc. | Cardless challenge systems and methods |
| JP2009015548A (en) | 2007-07-04 | 2009-01-22 | Omron Corp | Drive assisting device and method, and program |
| US8326758B2 (en) | 2007-08-06 | 2012-12-04 | Enpulz, L.L.C. | Proxy card representing many monetary sources from a plurality of vendors |
| US8494959B2 (en) | 2007-08-17 | 2013-07-23 | Emc Corporation | Payment card with dynamic account number |
| US7849014B2 (en) | 2007-08-29 | 2010-12-07 | American Express Travel Related Services Company, Inc. | System and method for facilitating a financial transaction with a dynamically generated identifier |
| US9070129B2 (en) | 2007-09-04 | 2015-06-30 | Visa U.S.A. Inc. | Method and system for securing data fields |
| US7937324B2 (en) | 2007-09-13 | 2011-05-03 | Visa U.S.A. Inc. | Account permanence |
| US9747598B2 (en) | 2007-10-02 | 2017-08-29 | Iii Holdings 1, Llc | Dynamic security code push |
| US8095113B2 (en) | 2007-10-17 | 2012-01-10 | First Data Corporation | Onetime passwords for smart chip cards |
| US20090106160A1 (en) | 2007-10-19 | 2009-04-23 | First Data Corporation | Authorizations for mobile contactless payment transactions |
| CN101425894B (en) | 2007-10-30 | 2012-03-21 | 阿里巴巴集团控股有限公司 | Service implementing system and method |
| US8249985B2 (en) | 2007-11-29 | 2012-08-21 | Bank Of America Corporation | Sub-account mechanism |
| US20090157555A1 (en) | 2007-12-12 | 2009-06-18 | American Express Travel Related Services Company, | Bill payment system and method |
| US8117129B2 (en) | 2007-12-21 | 2012-02-14 | American Express Travel Related Services Company, Inc. | Systems, methods and computer program products for performing mass transit merchant transactions |
| US20090159682A1 (en) | 2007-12-24 | 2009-06-25 | Dynamics Inc. | Cards and devices with multi-function magnetic emulators and methods for using same |
| US8224702B2 (en) | 2007-12-28 | 2012-07-17 | Ebay, Inc. | Systems and methods for facilitating financial transactions over a network |
| WO2009089099A1 (en) | 2008-01-04 | 2009-07-16 | M2 International Ltd. | Dynamic card verification value |
| FR2926938B1 (en) | 2008-01-28 | 2010-03-19 | Paycool Dev | METHOD OF AUTHENTICATING AND SIGNING A USER TO AN APPLICATION SERVICE USING A MOBILE PHONE AS A SECOND FACTOR IN COMPLEMENT AND INDEPENDENTLY OF A FIRST FACTOR |
| US8255971B1 (en) | 2008-03-03 | 2012-08-28 | Jpmorgan Chase Bank, N.A. | Authentication system and method |
| US8578176B2 (en) | 2008-03-26 | 2013-11-05 | Protegrity Corporation | Method and apparatus for tokenization of sensitive sets of characters |
| US20090248583A1 (en) | 2008-03-31 | 2009-10-01 | Jasmeet Chhabra | Device, system, and method for secure online transactions |
| US20090327131A1 (en) | 2008-04-29 | 2009-12-31 | American Express Travel Related Services Company, Inc. | Dynamic account authentication using a mobile device |
| US20090276347A1 (en) | 2008-05-01 | 2009-11-05 | Kargman James B | Method and apparatus for use of a temporary financial transaction number or code |
| US9715709B2 (en) | 2008-05-09 | 2017-07-25 | Visa International Services Association | Communication device including multi-part alias identifier |
| US8651374B2 (en) | 2008-06-02 | 2014-02-18 | Sears Brands, L.L.C. | System and method for payment card industry enterprise account number elimination |
| US20090307140A1 (en) | 2008-06-06 | 2009-12-10 | Upendra Mardikar | Mobile device over-the-air (ota) registration and point-of-sale (pos) payment |
| US9269010B2 (en) | 2008-07-14 | 2016-02-23 | Jumio Inc. | Mobile phone payment system using integrated camera credit card reader |
| US8090650B2 (en) | 2008-07-24 | 2012-01-03 | At&T Intellectual Property I, L.P. | Secure payment service and system for interactive voice response (IVR) systems |
| US8219489B2 (en) | 2008-07-29 | 2012-07-10 | Visa U.S.A. Inc. | Transaction processing using a global unique identifier |
| US9053474B2 (en) | 2008-08-04 | 2015-06-09 | At&T Mobility Ii Llc | Systems and methods for handling point-of-sale transactions using a mobile device |
| US8281991B2 (en) | 2008-08-07 | 2012-10-09 | Visa U.S.A. Inc. | Transaction secured in an untrusted environment |
| US8403211B2 (en) | 2008-09-04 | 2013-03-26 | Metabank | System, program product and methods for retail activation and reload associated with partial authorization transactions |
| US8965811B2 (en) | 2008-10-04 | 2015-02-24 | Mastercard International Incorporated | Methods and systems for using physical payment cards in secure E-commerce transactions |
| US20100094755A1 (en) | 2008-10-09 | 2010-04-15 | Nelnet Business Solutions, Inc. | Providing payment data tokens for online transactions utilizing hosted inline frames |
| US20100106644A1 (en) | 2008-10-23 | 2010-04-29 | Diversinet Corp. | System and Method for Authorizing Transactions Via Mobile Devices |
| US8126449B2 (en) | 2008-11-13 | 2012-02-28 | American Express Travel Related Services Company, Inc. | Servicing attributes on a mobile device |
| US8196813B2 (en) | 2008-12-03 | 2012-06-12 | Ebay Inc. | System and method to allow access to a value holding account |
| US8838503B2 (en) | 2008-12-08 | 2014-09-16 | Ebay Inc. | Unified identity verification |
| US8060449B1 (en) | 2009-01-05 | 2011-11-15 | Sprint Communications Company L.P. | Partially delegated over-the-air provisioning of a secure element |
| US10037524B2 (en) | 2009-01-22 | 2018-07-31 | First Data Corporation | Dynamic primary account number (PAN) and unique key per card |
| US10354321B2 (en) | 2009-01-22 | 2019-07-16 | First Data Corporation | Processing transactions with an extended application ID and dynamic cryptograms |
| US8606638B2 (en) | 2009-03-02 | 2013-12-10 | First Data Corporation | Systems, methods and apparatus for facilitating transactions using a mobile device |
| US20100235284A1 (en) | 2009-03-13 | 2010-09-16 | Gidah, Inc. | Method and systems for generating and using tokens in a transaction handling system |
| US8595098B2 (en) | 2009-03-18 | 2013-11-26 | Network Merchants, Inc. | Transmission of sensitive customer information during electronic-based transactions |
| US20100242097A1 (en)* | 2009-03-20 | 2010-09-23 | Wavemarket, Inc. | System and method for managing application program access to a protected resource residing on a mobile device |
| US8567670B2 (en) | 2009-03-27 | 2013-10-29 | Intersections Inc. | Dynamic card verification values and credit transactions |
| US8584251B2 (en) | 2009-04-07 | 2013-11-12 | Princeton Payment Solutions | Token-based payment processing system |
| US20100258620A1 (en) | 2009-04-10 | 2010-10-14 | Denise Torreyson | Methods and systems for linking multiple accounts |
| EP2419888A4 (en) | 2009-04-16 | 2017-03-08 | Telefonaktiebolaget LM Ericsson (publ) | Method, server, computer program and computer program product for communicating with secure element |
| WO2010126509A2 (en) | 2009-04-30 | 2010-11-04 | Donald Michael Cardina | Systems and methods for randomized mobile payment |
| US8725122B2 (en) | 2009-05-13 | 2014-05-13 | First Data Corporation | Systems and methods for providing trusted service management services |
| US8534564B2 (en) | 2009-05-15 | 2013-09-17 | Ayman Hammad | Integration of verification tokens with mobile communication devices |
| US10140598B2 (en) | 2009-05-20 | 2018-11-27 | Visa International Service Association | Device including encrypted data for expiration date and verification value creation |
| US20100306076A1 (en) | 2009-05-29 | 2010-12-02 | Ebay Inc. | Trusted Integrity Manager (TIM) |
| TWI402775B (en) | 2009-07-16 | 2013-07-21 | Mxtran Inc | Financial transaction system, automated teller machine, and method of operating an automated teller machine |
| CA2770893A1 (en) | 2009-08-10 | 2011-02-17 | Visa International Service Association | Systems and methods for enrolling users in a payment service |
| US20110046969A1 (en) | 2009-08-24 | 2011-02-24 | Mark Carlson | Alias hierarchy and data structure |
| US8799666B2 (en) | 2009-10-06 | 2014-08-05 | Synaptics Incorporated | Secure user authentication using biometric information |
| BR112012008829A2 (en) | 2009-10-13 | 2019-09-24 | Square Inc | systems and methods for dynamic receipt of environmental information. |
| US8447699B2 (en) | 2009-10-13 | 2013-05-21 | Qualcomm Incorporated | Global secure service provider directory |
| BR112012008846A2 (en) | 2009-10-16 | 2019-09-24 | Visa Int Service Ass | induction fraud method and system |
| US20110246317A1 (en) | 2009-10-23 | 2011-10-06 | Apriva, Llc | System and device for facilitating a transaction through use of a proxy account code |
| US8296568B2 (en) | 2009-10-27 | 2012-10-23 | Google Inc. | Systems and methods for authenticating an electronic transaction |
| US9633351B2 (en) | 2009-11-05 | 2017-04-25 | Visa International Service Association | Encryption switch processing |
| US8595812B2 (en) | 2009-12-18 | 2013-11-26 | Sabre Inc. | Tokenized data security |
| US10255591B2 (en) | 2009-12-18 | 2019-04-09 | Visa International Service Association | Payment channel returning limited use proxy dynamic value |
| US9324066B2 (en) | 2009-12-21 | 2016-04-26 | Verizon Patent And Licensing Inc. | Method and system for providing virtual credit card services |
| US8788429B2 (en) | 2009-12-30 | 2014-07-22 | First Data Corporation | Secure transaction management |
| US8528067B2 (en) | 2010-01-12 | 2013-09-03 | Visa International Service Association | Anytime validation for verification tokens |
| US8346666B2 (en) | 2010-01-19 | 2013-01-01 | Visa Intellectual Service Association | Token based transaction authentication |
| RU2698767C2 (en) | 2010-01-19 | 2019-08-29 | Виза Интернэшнл Сервис Ассосиэйшн | Remote variable authentication processing |
| US8615468B2 (en) | 2010-01-27 | 2013-12-24 | Ca, Inc. | System and method for generating a dynamic card value |
| EP2529508A4 (en) | 2010-01-31 | 2017-06-28 | Hewlett-Packard Enterprise Development LP | Method and system for management of sampled traffic data |
| US9501773B2 (en) | 2010-02-02 | 2016-11-22 | Xia Dai | Secured transaction system |
| US8510816B2 (en) | 2010-02-25 | 2013-08-13 | Secureauth Corporation | Security device provisioning |
| US8458487B1 (en) | 2010-03-03 | 2013-06-04 | Liaison Technologies, Inc. | System and methods for format preserving tokenization of sensitive information |
| US9245267B2 (en) | 2010-03-03 | 2016-01-26 | Visa International Service Association | Portable account number for consumer payment account |
| CN102947846A (en) | 2010-03-07 | 2013-02-27 | 吉尔巴科公司 | Fuel dispenser payment system and method |
| US8402555B2 (en) | 2010-03-21 | 2013-03-19 | William Grecia | Personalized digital media access system (PDMAS) |
| US8887308B2 (en) | 2010-03-21 | 2014-11-11 | William Grecia | Digital cloud access (PDMAS part III) |
| US8533860B1 (en) | 2010-03-21 | 2013-09-10 | William Grecia | Personalized digital media access system—PDMAS part II |
| US20110238573A1 (en) | 2010-03-25 | 2011-09-29 | Computer Associates Think, Inc. | Cardless atm transaction method and system |
| US8380177B2 (en) | 2010-04-09 | 2013-02-19 | Paydiant, Inc. | Mobile phone payment processing methods and systems |
| US8336088B2 (en) | 2010-04-19 | 2012-12-18 | Visa International Service Association | Alias management and value transfer claim processing |
| CN102939613A (en) | 2010-06-04 | 2013-02-20 | 维萨国际服务协会 | Payment tokenization apparatuses, methods and systems |
| US8442914B2 (en) | 2010-07-06 | 2013-05-14 | Mastercard International Incorporated | Virtual wallet account with automatic-loading |
| US8571939B2 (en) | 2010-07-07 | 2013-10-29 | Toshiba Global Commerce Solutions Holdings Corporation | Two phase payment link and authorization for mobile devices |
| US8453226B2 (en) | 2010-07-16 | 2013-05-28 | Visa International Service Association | Token validation for advanced authorization |
| US8635157B2 (en) | 2010-07-19 | 2014-01-21 | Payme, Inc. | Mobile system and method for payments and non-financial transactions |
| US20120028609A1 (en) | 2010-07-27 | 2012-02-02 | John Hruska | Secure financial transaction system using a registered mobile device |
| US9342832B2 (en) | 2010-08-12 | 2016-05-17 | Visa International Service Association | Securing external systems with account token substitution |
| CN101938520B (en) | 2010-09-07 | 2015-01-28 | 中兴通讯股份有限公司 | Mobile terminal signature-based remote payment system and method |
| US20120066078A1 (en) | 2010-09-10 | 2012-03-15 | Bank Of America Corporation | Overage service using overage passcode |
| US8898086B2 (en) | 2010-09-27 | 2014-11-25 | Fidelity National Information Services | Systems and methods for transmitting financial account information |
| US20120095852A1 (en) | 2010-10-15 | 2012-04-19 | John Bauer | Method and system for electronic wallet access |
| US9558481B2 (en) | 2010-09-28 | 2017-01-31 | Barclays Bank Plc | Secure account provisioning |
| US20120095865A1 (en) | 2010-10-15 | 2012-04-19 | Ezpayy, Inc. | System And Method For Mobile Electronic Purchasing |
| US10176477B2 (en) | 2010-11-16 | 2019-01-08 | Mastercard International Incorporated | Methods and systems for universal payment account translation |
| US8577336B2 (en) | 2010-11-18 | 2013-11-05 | Mobilesphere Holdings LLC | System and method for transaction authentication using a mobile communication device |
| WO2012073014A1 (en) | 2010-11-29 | 2012-06-07 | Mobay Technologies Limited | A system for verifying electronic transactions |
| US9141945B2 (en) | 2010-12-02 | 2015-09-22 | Appmobi Iplc, Inc. | Secure distributed single action payment system |
| US20120143754A1 (en) | 2010-12-03 | 2012-06-07 | Narendra Patel | Enhanced credit card security apparatus and method |
| US8762284B2 (en) | 2010-12-16 | 2014-06-24 | Democracyontheweb, Llc | Systems and methods for facilitating secure transactions |
| US8196131B1 (en) | 2010-12-17 | 2012-06-05 | Google Inc. | Payment application lifecycle management in a contactless smart card |
| WO2012085675A2 (en) | 2010-12-20 | 2012-06-28 | Eram Antonio Claudiu | System, method and apparatus for mobile payments enablement and order fulfillment |
| US20120173431A1 (en) | 2010-12-30 | 2012-07-05 | First Data Corporation | Systems and methods for using a token as a payment in a transaction |
| US20120185386A1 (en) | 2011-01-18 | 2012-07-19 | Bank Of America | Authentication tool |
| US8725644B2 (en) | 2011-01-28 | 2014-05-13 | The Active Network, Inc. | Secure online transaction processing |
| US20120203664A1 (en) | 2011-02-09 | 2012-08-09 | Tycoon Unlimited, Inc. | Contactless wireless transaction processing system |
| US20120203666A1 (en) | 2011-02-09 | 2012-08-09 | Tycoon Unlimited, Inc. | Contactless wireless transaction processing system |
| US8751381B2 (en) | 2011-02-23 | 2014-06-10 | Mastercard International Incorporated | Demand deposit account payment system |
| AU2012223415B2 (en) | 2011-02-28 | 2017-05-18 | Visa International Service Association | Secure anonymous transaction apparatuses, methods and systems |
| CN107967602A (en) | 2011-03-04 | 2018-04-27 | 维萨国际服务协会 | Ability to pay is bound to the safety element of computer |
| US20120231844A1 (en) | 2011-03-11 | 2012-09-13 | Apriva, Llc | System and device for facilitating a transaction by consolidating sim, personal token, and associated applications for electronic wallet transactions |
| US20120233004A1 (en) | 2011-03-11 | 2012-09-13 | James Bercaw | System for mobile electronic commerce |
| US8533796B1 (en)* | 2011-03-16 | 2013-09-10 | Google Inc. | Providing application programs with access to secured resources |
| US20120246071A1 (en) | 2011-03-21 | 2012-09-27 | Nikhil Jain | System and method for presentment of nonconfidential transaction token identifier |
| AU2012201745B2 (en) | 2011-03-24 | 2014-11-13 | Visa International Service Association | Authentication using application authentication element |
| WO2012142045A2 (en) | 2011-04-11 | 2012-10-18 | Visa International Service Association | Multiple tokenization for authentication |
| US9256874B2 (en) | 2011-04-15 | 2016-02-09 | Shift4 Corporation | Method and system for enabling merchants to share tokens |
| US8688589B2 (en) | 2011-04-15 | 2014-04-01 | Shift4 Corporation | Method and system for utilizing authorization factor pools |
| US9818111B2 (en) | 2011-04-15 | 2017-11-14 | Shift4 Corporation | Merchant-based token sharing |
| US8839363B2 (en)* | 2011-04-18 | 2014-09-16 | Bank Of America Corporation | Trusted hardware for attesting to authenticity in a cloud environment |
| WO2012145530A2 (en) | 2011-04-20 | 2012-10-26 | Visa International Service Association | Managing electronic tokens in a transaction processing system |
| US20130110658A1 (en) | 2011-05-05 | 2013-05-02 | Transaction Network Services, Inc. | Systems and methods for enabling mobile payments |
| US20130204793A1 (en) | 2011-05-17 | 2013-08-08 | Kevin S. Kerridge | Smart communication device secured electronic payment system |
| US9106632B2 (en) | 2011-05-26 | 2015-08-11 | First Data Corporation | Provisioning by delivered items |
| US8943574B2 (en) | 2011-05-27 | 2015-01-27 | Vantiv, Llc | Tokenizing sensitive data |
| US10395256B2 (en) | 2011-06-02 | 2019-08-27 | Visa International Service Association | Reputation management in a transaction processing system |
| AU2012261904A1 (en) | 2011-06-03 | 2013-11-28 | Visa International Service Association | Virtual wallet card selection apparatuses, methods and systems |
| US8538845B2 (en) | 2011-06-03 | 2013-09-17 | Mozido, Llc | Monetary transaction system |
| US10318932B2 (en) | 2011-06-07 | 2019-06-11 | Entit Software Llc | Payment card processing system with structure preserving encryption |
| RU2602394C2 (en) | 2011-06-07 | 2016-11-20 | Виза Интернешнл Сервис Ассосиэйшн | Payment privacy tokenisation apparatus, methods and systems |
| US9355393B2 (en) | 2011-08-18 | 2016-05-31 | Visa International Service Association | Multi-directional wallet connector apparatuses, methods and systems |
| US9639828B2 (en) | 2011-07-15 | 2017-05-02 | Visa International Service Association | Method and system for hosted order page/silent order post plus fraud detection |
| US9704155B2 (en) | 2011-07-29 | 2017-07-11 | Visa International Service Association | Passing payment tokens through an hop/sop |
| US20130054337A1 (en) | 2011-08-22 | 2013-02-28 | American Express Travel Related Services Company, Inc. | Methods and systems for contactless payments for online ecommerce checkout |
| US20130218769A1 (en) | 2011-08-23 | 2013-08-22 | Stacy Pourfallah | Mobile Funding Method and System |
| WO2013028901A2 (en) | 2011-08-23 | 2013-02-28 | Visa International Service Association | Authentication process for value transfer machine |
| EP3996019A1 (en) | 2011-08-30 | 2022-05-11 | OV Loop Inc. | Systems and methods for authorizing a transaction with an unexpected cryptogram |
| US20130339253A1 (en) | 2011-08-31 | 2013-12-19 | Dan Moshe Sincai | Mobile Device Based Financial Transaction System |
| US8171525B1 (en) | 2011-09-15 | 2012-05-01 | Google Inc. | Enabling users to select between secure service providers using a central trusted service manager |
| US8838982B2 (en) | 2011-09-21 | 2014-09-16 | Visa International Service Association | Systems and methods to secure user identification |
| US8453223B2 (en) | 2011-09-23 | 2013-05-28 | Jerome Svigals | Method, device and system for secure transactions |
| US9229964B2 (en) | 2011-10-27 | 2016-01-05 | Visa International Business Machines Corporation | Database cloning and migration for quality assurance |
| US9830596B2 (en) | 2011-11-01 | 2017-11-28 | Stripe, Inc. | Method for conducting a transaction between a merchant site and a customer's electronic device without exposing payment information to a server-side application of the merchant site |
| JP5793729B2 (en) | 2011-11-01 | 2015-10-14 | ジェーヴィーエル ベンチャ−ズ, エルエルシーJVL Ventures, LLC. | Systems, methods, and computer program products for interfacing with multiple service provider trusted service managers and safety elements |
| US20130124364A1 (en) | 2011-11-13 | 2013-05-16 | Millind Mittal | System and method of electronic payment using payee provided transaction identification codes |
| US9165321B1 (en) | 2011-11-13 | 2015-10-20 | Google Inc. | Optimistic receipt flow |
| US9348896B2 (en) | 2011-12-05 | 2016-05-24 | Visa International Service Association | Dynamic network analytics system |
| US8656180B2 (en) | 2011-12-06 | 2014-02-18 | Wwpass Corporation | Token activation |
| US8972719B2 (en) | 2011-12-06 | 2015-03-03 | Wwpass Corporation | Passcode restoration |
| US8555079B2 (en) | 2011-12-06 | 2013-10-08 | Wwpass Corporation | Token management |
| US20130159178A1 (en) | 2011-12-14 | 2013-06-20 | Firethorn Mobile, Inc. | System and Method For Loading A Virtual Token Managed By A Mobile Wallet System |
| US20130159184A1 (en) | 2011-12-15 | 2013-06-20 | Visa International Service Association | System and method of using load network to associate product or service with a consumer token |
| US20140040139A1 (en) | 2011-12-19 | 2014-02-06 | Sequent Software, Inc. | System and method for dynamic temporary payment authorization in a portable communication device |
| US9053481B2 (en) | 2011-12-21 | 2015-06-09 | Mastercard International Incorporated | Methods and systems for providing a payment account with adaptive interchange |
| US9077769B2 (en) | 2011-12-29 | 2015-07-07 | Blackberry Limited | Communications system providing enhanced trusted service manager (TSM) verification features and related methods |
| US20130254117A1 (en) | 2011-12-30 | 2013-09-26 | Clay W. von Mueller | Secured transaction system and method |
| EP2801061B1 (en) | 2012-01-05 | 2020-08-26 | Visa International Service Association | Data protection with translation |
| US8566168B1 (en) | 2012-01-05 | 2013-10-22 | Sprint Communications Company L.P. | Electronic payment using a proxy account number stored in a secure element |
| CA2862020C (en) | 2012-01-19 | 2018-03-20 | Mastercard International Incorporated | System and method to enable a network of digital wallets |
| US9830595B2 (en) | 2012-01-26 | 2017-11-28 | Visa International Service Association | System and method of providing tokenization as a service |
| US10643191B2 (en) | 2012-01-27 | 2020-05-05 | Visa International Service Association | Mobile services remote deposit capture |
| US8595850B2 (en) | 2012-01-30 | 2013-11-26 | Voltage Security, Inc. | System for protecting sensitive data with distributed tokenization |
| US9218624B2 (en) | 2012-02-03 | 2015-12-22 | Paypal, Inc. | Adding card to mobile/cloud wallet using NFC |
| EP2624190A1 (en) | 2012-02-03 | 2013-08-07 | Pieter Dubois | Authentication of payment transactions using an alias |
| US20130212024A1 (en) | 2012-02-10 | 2013-08-15 | Protegrity Corporation | Tokenization in distributed payment environments |
| US20130212017A1 (en) | 2012-02-14 | 2013-08-15 | N.B. Development Services Inc. | Transaction system and method of conducting a transaction |
| US20130226813A1 (en) | 2012-02-23 | 2013-08-29 | Robert Matthew Voltz | Cyberspace Identification Trust Authority (CITA) System and Method |
| US20130246199A1 (en) | 2012-03-14 | 2013-09-19 | Mark Carlson | Point-of-transaction account feature redirection apparatuses, methods and systems |
| US9092776B2 (en) | 2012-03-15 | 2015-07-28 | Qualcomm Incorporated | System and method for managing payment in transactions with a PCD |
| US20130246267A1 (en) | 2012-03-15 | 2013-09-19 | Ebay Inc. | Systems, Methods, and Computer Program Products for Using Proxy Accounts |
| US20130246259A1 (en) | 2012-03-15 | 2013-09-19 | Firethorn Mobile, Inc. | System and method for managing payment in transactions with a pcd |
| US9105021B2 (en) | 2012-03-15 | 2015-08-11 | Ebay, Inc. | Systems, methods, and computer program products for using proxy accounts |
| US20130254102A1 (en) | 2012-03-20 | 2013-09-26 | First Data Corporation | Systems and Methods for Distributing Tokenization and De-Tokenization Services |
| US9818098B2 (en) | 2012-03-20 | 2017-11-14 | First Data Corporation | Systems and methods for facilitating payments via a peer-to-peer protocol |
| US20130254028A1 (en) | 2012-03-22 | 2013-09-26 | Corbuss Kurumsal Telekom Hizmetleri A.S. | System and method for conducting mobile commerce |
| US20130262315A1 (en) | 2012-03-30 | 2013-10-03 | John Hruska | System for Secure Purchases Made by Scanning Barcode Using a Registered Mobile Phone Application Linked to a Consumer-Merchant Closed Loop Financial Proxy Account System |
| US10515359B2 (en) | 2012-04-02 | 2019-12-24 | Mastercard International Incorporated | Systems and methods for processing mobile payments by provisioning credentials to mobile devices without secure elements |
| WO2013151807A1 (en) | 2012-04-02 | 2013-10-10 | Jvl Ventures, Llc | Systems, methods, and computer program products for provisioning payment accounts into mobile wallets and managing events |
| WO2013155536A1 (en) | 2012-04-13 | 2013-10-17 | Mastercard International Incorporated | Systems, methods, and computer readable media for conducting a transaction using cloud based credentials |
| AU2013204110B2 (en) | 2012-04-18 | 2014-08-21 | Google Llc | Processing payment transactions without a secure element |
| US20130282588A1 (en) | 2012-04-22 | 2013-10-24 | John Hruska | Consumer, Merchant and Mobile Device Specific, Real-Time Dynamic Tokenization Activation within a Secure Mobile-Wallet Financial Transaction System |
| US20130297501A1 (en) | 2012-05-04 | 2013-11-07 | Justin Monk | System and method for local data conversion |
| US10275764B2 (en) | 2012-05-04 | 2019-04-30 | Mastercard International Incorporated | Transaction data tokenization |
| US20130311382A1 (en) | 2012-05-21 | 2013-11-21 | Klaus S. Fosmark | Obtaining information for a payment transaction |
| US9521548B2 (en) | 2012-05-21 | 2016-12-13 | Nexiden, Inc. | Secure registration of a mobile device for use with a session |
| US9524501B2 (en) | 2012-06-06 | 2016-12-20 | Visa International Service Association | Method and system for correlating diverse transaction data |
| US9294550B2 (en)* | 2012-06-11 | 2016-03-22 | Zerodesktop, Inc. | Efficient data transfer for cloud storage by centralized management of access tokens |
| US20130346305A1 (en) | 2012-06-26 | 2013-12-26 | Carta Worldwide Inc. | Mobile wallet payment processing |
| US20140007213A1 (en) | 2012-06-29 | 2014-01-02 | Wepay, Inc. | Systems and methods for push notification based application authentication and authorization |
| US9059972B2 (en) | 2012-07-03 | 2015-06-16 | International Business Machines Corporation | Issuing, presenting and challenging mobile device identification documents |
| WO2014008403A1 (en) | 2012-07-03 | 2014-01-09 | Visa International Service Association | Data protection hub |
| US20140025581A1 (en) | 2012-07-19 | 2014-01-23 | Bank Of America Corporation | Mobile transactions using authorized tokens |
| US20140025585A1 (en) | 2012-07-19 | 2014-01-23 | Bank Of America Corporation | Distributing authorized tokens to conduct mobile transactions |
| US9043609B2 (en)* | 2012-07-19 | 2015-05-26 | Bank Of America Corporation | Implementing security measures for authorized tokens used in mobile transactions |
| US9846861B2 (en) | 2012-07-25 | 2017-12-19 | Visa International Service Association | Upstream and downstream data conversion |
| US9256871B2 (en) | 2012-07-26 | 2016-02-09 | Visa U.S.A. Inc. | Configurable payment tokens |
| US10339524B2 (en) | 2012-07-31 | 2019-07-02 | Worldpay, Llc | Systems and methods for multi-merchant tokenization |
| US10152711B2 (en) | 2012-07-31 | 2018-12-11 | Worldpay, Llc | Systems and methods for arbitraged enhanced payment processing |
| US10346838B2 (en) | 2012-07-31 | 2019-07-09 | Worldpay, Llc | Systems and methods for distributed enhanced payment processing |
| ES2680152T3 (en) | 2012-08-03 | 2018-09-04 | OneSpan International GmbH | Authentication method and device convenient for the user using a mobile authentication application |
| US9665722B2 (en) | 2012-08-10 | 2017-05-30 | Visa International Service Association | Privacy firewall |
| US20140052620A1 (en) | 2012-08-17 | 2014-02-20 | Google Inc. | Wireless reader and payment transaction terminal functionality within a portable device |
| EP2891107A4 (en) | 2012-08-28 | 2016-04-13 | Visa Int Service Ass | Protecting assets on a device |
| US10192216B2 (en) | 2012-09-11 | 2019-01-29 | Visa International Service Association | Cloud-based virtual wallet NFC apparatuses, methods and systems |
| US9390412B2 (en) | 2012-10-16 | 2016-07-12 | Visa International Service Association | Dynamic point of sale system integrated with reader device |
| US20160019536A1 (en)* | 2012-10-17 | 2016-01-21 | Royal Bank Of Canada | Secure processing of data |
| WO2014066559A1 (en) | 2012-10-23 | 2014-05-01 | Visa International Service Association | Transaction initiation determination system utilizing transaction data elements |
| US9911118B2 (en) | 2012-11-21 | 2018-03-06 | Visa International Service Association | Device pairing via trusted intermediary |
| US20140164243A1 (en) | 2012-12-07 | 2014-06-12 | Christian Aabye | Dynamic Account Identifier With Return Real Account Identifier |
| US9741051B2 (en) | 2013-01-02 | 2017-08-22 | Visa International Service Association | Tokenization and third-party interaction |
| US20140324690A1 (en) | 2013-01-11 | 2014-10-30 | American Express Travel Related Services Company, Inc. | System and method for a single digital wallet dynamic checkout tool |
| US20150363781A1 (en) | 2013-02-26 | 2015-12-17 | Visa International Service Association | Methods and systems for providing payment credentials |
| US9249241B2 (en) | 2013-03-27 | 2016-02-02 | Ut-Battelle, Llc | Surface-functionalized mesoporous carbon materials |
| HK1213349A1 (en) | 2013-04-04 | 2016-06-30 | 维萨国际服务协会 | Method and system for conducting pre-authorized financial transactions |
| US20140310183A1 (en) | 2013-04-15 | 2014-10-16 | Lance Weber | Embedded acceptance system |
| US20140331265A1 (en) | 2013-05-01 | 2014-11-06 | Microsoft Corporation | Integrated interactive television entertainment system |
| US20140330722A1 (en) | 2013-05-02 | 2014-11-06 | Prasanna Laxminarayanan | System and method for using an account sequence identifier |
| US11055710B2 (en) | 2013-05-02 | 2021-07-06 | Visa International Service Association | Systems and methods for verifying and processing transactions using virtual currency |
| US20140337955A1 (en) | 2013-05-09 | 2014-11-13 | Microsoft Corporation | Authentication and authorization with a bundled token |
| US9760886B2 (en) | 2013-05-10 | 2017-09-12 | Visa International Service Association | Device provisioning using partial personalization scripts |
| CN105359179B (en) | 2013-05-15 | 2019-12-10 | 维萨国际服务协会 | Mobile tokenization hub |
| US10878422B2 (en) | 2013-06-17 | 2020-12-29 | Visa International Service Association | System and method using merchant token |
| CN105580036A (en) | 2013-07-02 | 2016-05-11 | 维萨国际服务协会 | Silicone-polyether copolymers, adhesives and medical articles comprising same, and methods of making same |
| KR102123494B1 (en) | 2013-07-15 | 2020-06-29 | 비자 인터네셔널 서비스 어소시에이션 | Secure remote payment transaction processing |
| CA2918788C (en)* | 2013-07-24 | 2020-06-16 | Visa International Service Association | Systems and methods for interoperable network token processing |
| AU2014306259A1 (en) | 2013-08-08 | 2016-02-25 | Visa International Service Association | Methods and systems for provisioning mobile devices with payment credentials |
| US10496986B2 (en) | 2013-08-08 | 2019-12-03 | Visa International Service Association | Multi-network tokenization processing |
| EP3843023A1 (en) | 2013-08-15 | 2021-06-30 | Visa International Service Association | Secure remote payment transaction processing using a secure element |
| US10037082B2 (en) | 2013-09-17 | 2018-07-31 | Paypal, Inc. | Physical interaction dependent transactions |
| EP3047437A4 (en) | 2013-09-20 | 2017-03-08 | Visa International Service Association | Secure remote payment transaction processing including consumer authentication |
| CA2927052C (en) | 2013-10-11 | 2021-09-21 | Visa International Service Association | Network token system |
| US9978094B2 (en) | 2013-10-11 | 2018-05-22 | Visa International Service Association | Tokenization revocation list |
| US10515358B2 (en) | 2013-10-18 | 2019-12-24 | Visa International Service Association | Contextual transaction token methods and systems |
| US10489779B2 (en) | 2013-10-21 | 2019-11-26 | Visa International Service Association | Multi-network token bin routing with defined verification parameters |
| US10366387B2 (en) | 2013-10-29 | 2019-07-30 | Visa International Service Association | Digital wallet system and method |
| US20150127529A1 (en) | 2013-11-05 | 2015-05-07 | Oleg Makhotin | Methods and systems for mobile payment application selection and management using an application linker |
| US20150142673A1 (en) | 2013-11-18 | 2015-05-21 | Mark Nelsen | Methods and systems for token request management |
| AU2014353151B2 (en) | 2013-11-19 | 2018-03-08 | Visa International Service Association | Automated account provisioning |
| US20150161597A1 (en) | 2013-12-09 | 2015-06-11 | Kaushik Subramanian | Transactions using temporary credential data |
| EP4057203A1 (en) | 2013-12-19 | 2022-09-14 | Visa International Service Association | Cloud-based transactions methods and systems |
| US9922322B2 (en) | 2013-12-19 | 2018-03-20 | Visa International Service Association | Cloud-based transactions with magnetic secure transmission |
| US10445718B2 (en) | 2013-12-27 | 2019-10-15 | Visa International Service Association | Processing a transaction using multiple application identifiers |
| US10108409B2 (en) | 2014-01-03 | 2018-10-23 | Visa International Service Association | Systems and methods for updatable applets |
| US10433128B2 (en) | 2014-01-07 | 2019-10-01 | Visa International Service Association | Methods and systems for provisioning multiple devices |
| US20150199679A1 (en)* | 2014-01-13 | 2015-07-16 | Karthikeyan Palanisamy | Multiple token provisioning |
| US9846878B2 (en) | 2014-01-14 | 2017-12-19 | Visa International Service Association | Payment account identifier system |
| WO2015120082A1 (en) | 2014-02-04 | 2015-08-13 | Visa International Service Association | Token verification using limited use certificates |
| EP3120310A4 (en) | 2014-03-18 | 2017-12-27 | Visa International Service Association | Systems and methods for locally derived tokens |
| US20150278799A1 (en) | 2014-03-27 | 2015-10-01 | Karthikeyan Palanisamy | System incorporating wireless share process |
| US10026087B2 (en) | 2014-04-08 | 2018-07-17 | Visa International Service Association | Data passed in an interaction |
| US9942043B2 (en) | 2014-04-23 | 2018-04-10 | Visa International Service Association | Token security on a communication device |
| US9680942B2 (en) | 2014-05-01 | 2017-06-13 | Visa International Service Association | Data verification using access device |
| EP3140798A4 (en) | 2014-05-05 | 2017-12-20 | Visa International Service Association | System and method for token domain control |
| US10706380B2 (en) | 2014-05-08 | 2020-07-07 | Visa International Service Association | Split shipment processing |
| WO2015175696A1 (en) | 2014-05-13 | 2015-11-19 | Visa International Service Association | Master applet for secure remote payment processing |
| US9306939B2 (en)* | 2014-05-30 | 2016-04-05 | Oracle International Corporation | Authorization token cache system and method |
| US11023890B2 (en) | 2014-06-05 | 2021-06-01 | Visa International Service Association | Identification and verification for provisioning mobile application |
| US9780953B2 (en) | 2014-07-23 | 2017-10-03 | Visa International Service Association | Systems and methods for secure detokenization |
| CN104113549B (en) | 2014-07-28 | 2017-07-18 | 百度在线网络技术(北京)有限公司 | A kind of platform authorization method, platform service end and applications client and system |
| US10484345B2 (en) | 2014-07-31 | 2019-11-19 | Visa International Service Association | System and method for identity verification across mobile applications |
| US9779345B2 (en) | 2014-08-11 | 2017-10-03 | Visa International Service Association | Mobile device with scannable image including dynamic data |
| US9775029B2 (en) | 2014-08-22 | 2017-09-26 | Visa International Service Association | Embedding cloud-based functionalities in a communication device |
| BR112017002747A2 (en) | 2014-08-29 | 2018-01-30 | Visa Int Service Ass | computer implemented method, and, computer system. |
| RU2019124722A (en)* | 2014-09-26 | 2019-10-01 | Виза Интернэшнл Сервис Ассосиэйшн | SYSTEM AND METHODS FOR PROVIDING ENCRYPTED DATA OF A REMOTE SERVER |
| US11257074B2 (en) | 2014-09-29 | 2022-02-22 | Visa International Service Association | Transaction risk based token |
| CN113220320B (en) | 2014-10-10 | 2024-09-27 | 维萨国际服务协会 | Method and system for partial personalization during mobile application updates |
| KR102441737B1 (en)* | 2014-10-15 | 2022-09-13 | 삼성전자 주식회사 | Method for authentication and electronic device supporting the same |
| US10015147B2 (en) | 2014-10-22 | 2018-07-03 | Visa International Service Association | Token enrollment system and method |
| GB201419016D0 (en) | 2014-10-24 | 2014-12-10 | Visa Europe Ltd | Transaction Messaging |
| US10325261B2 (en) | 2014-11-25 | 2019-06-18 | Visa International Service Association | Systems communications with non-sensitive identifiers |
| WO2016086154A1 (en) | 2014-11-26 | 2016-06-02 | Visa International Service Association | Tokenization request via access device |
| US10257185B2 (en) | 2014-12-12 | 2019-04-09 | Visa International Service Association | Automated access data provisioning |
| CA2967437A1 (en) | 2014-12-12 | 2016-06-16 | Visa International Service Association | Provisioning platform for machine-to-machine devices |
| CN104539701B (en)* | 2014-12-29 | 2018-04-27 | 飞天诚信科技股份有限公司 | A kind of equipment of activation line mobile terminal token and the method for work of system |
| US10096009B2 (en) | 2015-01-20 | 2018-10-09 | Visa International Service Association | Secure payment processing using authorization request |
| US20160217461A1 (en) | 2015-01-23 | 2016-07-28 | Ajit Gaddam | Transaction utilizing anonymized user data |
| CN112260826B (en) | 2015-01-27 | 2023-12-26 | 维萨国际服务协会 | Method for secure credential provisioning |
| US11250391B2 (en) | 2015-01-30 | 2022-02-15 | Visa International Service Association | Token check offline |
| US10977657B2 (en)* | 2015-02-09 | 2021-04-13 | Visa International Service Association | Token processing utilizing multiple authorizations |
| RU2713703C2 (en) | 2015-02-13 | 2020-02-06 | Виза Интернэшнл Сервис Ассосиэйшн | Advance authorization of digital requests |
| WO2016134016A1 (en)* | 2015-02-17 | 2016-08-25 | Visa International Service Association | Token and cryptogram using transaction specific information |
| US9596081B1 (en)* | 2015-03-04 | 2017-03-14 | Skyhigh Networks, Inc. | Order preserving tokenization |
| US10164996B2 (en) | 2015-03-12 | 2018-12-25 | Visa International Service Association | Methods and systems for providing a low value token buffer |
| SG11201706467TA (en) | 2015-04-13 | 2017-09-28 | Visa Int Service Ass | Enhanced authentication based on secondary device interactions |
| US9998978B2 (en) | 2015-04-16 | 2018-06-12 | Visa International Service Association | Systems and methods for processing dormant virtual access devices |
| US10713660B2 (en) | 2015-09-15 | 2020-07-14 | Visa International Service Association | Authorization of credential on file transactions |
| SG10202007121XA (en)* | 2015-10-15 | 2020-09-29 | Visa Int Service Ass | Instant token issuance system |
| US9813401B2 (en)* | 2015-10-19 | 2017-11-07 | Ricoh Company, Ltd. | Accessing network services using a network access service |
| US10270773B2 (en)* | 2015-11-04 | 2019-04-23 | International Business Machines Corporation | Mechanism for creating friendly transactions with credentials |
| US10235297B2 (en)* | 2015-11-04 | 2019-03-19 | International Business Machines Corporation | Mechanism for creating friendly transactions with credentials |
| US11449863B2 (en) | 2016-04-11 | 2022-09-20 | Visa International Service Association | Expedited E-commerce tokenization |
| AU2016361406A1 (en) | 2015-11-23 | 2018-04-19 | Visa International Service Association | System and method of providing supplemental information in a transaction |
| US10911429B2 (en) | 2015-12-04 | 2021-02-02 | Visa International Service Association | Secure token distribution |
| CN108370319B (en) | 2015-12-04 | 2021-08-17 | 维萨国际服务协会 | Method and computer for token verification |
| CA3009659C (en) | 2016-01-07 | 2022-12-13 | Visa International Service Association | Systems and methods for device push provisioning |
| CN108604989B (en) | 2016-02-01 | 2022-07-22 | 维萨国际服务协会 | System and method for code display and use |
| US11501288B2 (en) | 2016-02-09 | 2022-11-15 | Visa International Service Association | Resource provider account token provisioning and processing |
| CA3009364A1 (en) | 2016-02-12 | 2017-08-17 | Visa International Service Association | Authentication systems and methods using location matching |
| US10313321B2 (en) | 2016-04-07 | 2019-06-04 | Visa International Service Association | Tokenization of co-network accounts |
| US20170330145A1 (en)* | 2016-05-16 | 2017-11-16 | Paypal, Inc. | Secured delivery systems and devices |
| US11250424B2 (en) | 2016-05-19 | 2022-02-15 | Visa International Service Association | Systems and methods for creating subtokens using primary tokens |
| AU2016409079B2 (en)* | 2016-06-03 | 2021-07-22 | Visa International Service Association | Subtoken management system for connected devices |
| US11068899B2 (en) | 2016-06-17 | 2021-07-20 | Visa International Service Association | Token aggregation for multi-party transactions |
| CN115187242A (en) | 2016-06-24 | 2022-10-14 | 维萨国际服务协会 | Unique token authentication verification value |
| US10990967B2 (en) | 2016-07-19 | 2021-04-27 | Visa International Service Association | Method of distributing tokens and managing token relationships |
| US10230710B2 (en) | 2016-08-04 | 2019-03-12 | Visa International Service Association | Token based network service among IoT applications |
| BR112019000688A2 (en) | 2016-08-12 | 2019-04-24 | Visa Int Service Ass | method for storing a token and the data associated with the token, and server computer. |
| US10509779B2 (en) | 2016-09-14 | 2019-12-17 | Visa International Service Association | Self-cleaning token vault |
| US10498741B2 (en)* | 2016-09-19 | 2019-12-03 | Box, Inc. | Sharing dynamically changing units of cloud-based content |
| CN110036386B (en) | 2016-11-28 | 2023-08-22 | 维萨国际服务协会 | The access identifier supplied to the application |
| WO2018170404A1 (en) | 2017-03-16 | 2018-09-20 | Jpmorgan Chase Bank, N.A. | Systems and methods for supporting legacy and tokenized e-commerce |
| US10915899B2 (en) | 2017-03-17 | 2021-02-09 | Visa International Service Association | Replacing token on a multi-token user device |
| US20180285875A1 (en) | 2017-03-31 | 2018-10-04 | Simon Law | Static token systems and methods for representing dynamic real credentials |
| US10902418B2 (en) | 2017-05-02 | 2021-01-26 | Visa International Service Association | System and method using interaction token |
| JP6926734B2 (en) | 2017-07-03 | 2021-08-25 | 富士通株式会社 | Route control device and route control method |
| US10491389B2 (en) | 2017-07-14 | 2019-11-26 | Visa International Service Association | Token provisioning utilizing a secure authentication system |
| US12074974B2 (en) | 2018-05-18 | 2024-08-27 | Visa International Service Association | Method and system for access token processing |
| US11256789B2 (en) | 2018-06-18 | 2022-02-22 | Visa International Service Association | Recurring token transactions |
| WO2019246539A1 (en) | 2018-06-22 | 2019-12-26 | Visa International Service Association | Secure remote transaction framework using dynamic secure checkout element |