The disclosed embodiments include wearable transaction devices. A wearable transaction device may client device for executing a transaction. The client device may include interface hardware for communicating transaction information, a memory device for storing the transaction information, and sensor hardware configured to sense an action performed by a user. The client device may also include one or more hardware processors configured to access the transaction information, and identify an operation based on at least the transaction information. The one or more hardware processors may be further configured to determine that the operation is authorized by the user, and transmit a notification to a server based on the determination that the operation is authorized by the user, the notification including at least an indication of the identified operation.
G06Q 20/30 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
G06F 3/01 - Dispositions d'entrée ou dispositions d'entrée et de sortie combinées pour l'interaction entre l'utilisateur et le calculateur
A system and method for push notification authentication includes a communication interface that communicates with a mobile device via a network, a digital security delivery database that stores information about a user that is enrolled in push notification authentication, the information about a user that is enrolled in push notification authentication hardware includes characteristics of the mobile device and login information for the user, and an application programming interface (API) framework coupled to the communication interface that receives information indicating that a transaction requiring push notification authentication has been approved by a user of the mobile device, updates the digital security delivery database to indicate that the transaction requiring push notification authentication has been approved by the user, and transmits a transaction status to the mobile device.
G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
G07F 19/00 - Systèmes bancaires complets; Dispositions à déclenchement par carte codée adaptées pour délivrer ou recevoir des espèces ou analogues et adresser de telles transactions à des comptes existants, p.ex. guichets automatiques
The present invention relates to a contactless system and attachment designed for secure mobile transactions. The system includes a tamperproof housing that protects a proximity integrated circuit card, which securely stores a payment token used to generate a unique cryptogram. The system also includes a radio frequency interface, connected to the proximity integrated circuit card, that establishes a communication link with a proximity coupling device and transmits the payment token and cryptogram via a radio frequency carrier frequency. An input/output interface enables an audio channel communication link with a mobile device, encoding and decoding data transmitted via this link. The system also includes an audio channel communication mechanism that connects to a mobile device's audio jack, and a host controller interface that controls operations of attachment. The system is powered by a power source. Another example provides a contactless attachment that includes a flexible ribbon.
G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
H04W 4/80 - Services utilisant la communication de courte portée, p.ex. la communication en champ proche, l'identification par radiofréquence ou la communication à faible consommation d’énergie
H04W 12/47 - Dispositions de sécurité utilisant des modules d’identité utilisant la communication en champ proche [NFC] ou des modules d’identification par radiofréquence [RFID]
A secure fob that enables a user to pay for an item or items without needing to present a mobile device. A secure fob may include a proximity capability to ensure that a mobile device is within a particular range, thereby eliminating the risk of fraudulent charges on a stolen fob. In such an embodiment, a fob may be disabled if the fob is not paired with the mobile device by virtue of being disconnected and/or physically separated from the mobile device. The secure fob also may include enhanced features to authorize transactions and locate the mobile device and/or the secure fob.
G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
A secure fob that enables a user to pay for an item or items without needing to present a mobile device. A secure fob may include a proximity capability to ensure that a mobile device is within a particular range, thereby eliminating the risk of fraudulent charges on a stolen fob. In such an embodiment, a fob may be disabled if the fob is not paired with the mobile device by virtue of being disconnected and/or physically separated from the mobile device. The secure fob also may include enhanced features to authorize transactions and locate the mobile device and/or the secure fob.
H04W 4/50 - Fourniture de services ou reconfiguration de services
H04W 12/02 - Protection de la confidentialité ou de l'anonymat, p.ex. protection des informations personnellement identifiables [PII]
G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
H04W 4/80 - Services utilisant la communication de courte portée, p.ex. la communication en champ proche, l'identification par radiofréquence ou la communication à faible consommation d’énergie
G10L 19/00 - Techniques d'analyse ou de synthèse de la parole ou des signaux audio pour la réduction de la redondance, p.ex. dans les vocodeurs; Codage ou décodage de la parole ou des signaux audio utilisant les modèles source-filtre ou l’analyse psychoacoustique
6.
ATM SKIMMER DETECTION BASED UPON INCIDENTAL RF EMISSIONS
Described is detecting ATM skimmers based upon radio frequency (RF) signal. A system for detecting ATM skimmers includes a memory storing instructions and one or more processors that execute the instructions to perform one or more operations for detecting ATM skimmers. The operations may include receiving radio frequency (RF) signal data corresponding to one or more RF signals detected by an antenna located within communication range of the ATM. The operations may also include determining one or more unidentified RF signals of the detected ATM RF signals that differ from one or more baseline RF signals. The operations may also include determining whether the one or more unidentified RF signals are present for a predetermined period of time, and determining whether a skimmer is present at the ATM based on a determination that the one or more unidentified RF signals are present for the predetermined period of time.
G07F 19/00 - Systèmes bancaires complets; Dispositions à déclenchement par carte codée adaptées pour délivrer ou recevoir des espèces ou analogues et adresser de telles transactions à des comptes existants, p.ex. guichets automatiques
The disclosed embodiments include methods and systems for detecting ATM skimmers, other unauthorized devices, such as hidden video cameras or keypad overlays, and/or possible damage to the ATM based upon radio frequency (RF) signal emitted from the ATM and/or 3D image analysis.
G07F 19/00 - Systèmes bancaires complets; Dispositions à déclenchement par carte codée adaptées pour délivrer ou recevoir des espèces ou analogues et adresser de telles transactions à des comptes existants, p.ex. guichets automatiques
8.
SYSTEMS AND METHODS FOR GENERATING OFFERS FROM TOKENIZED CONTACTLESS PAYMENTS
Systems and methods for generating real-time financing offers based on tokenized contactless payments are disclosed. By combining customer account data elements with tokenized payment credentials, the various embodiments described herein provide additional functionality for financial transactions. A first single-use token can be transmitted to a mobile device for use in a transaction, and a dynamic payment packet can be returned to an issuer system in response to completing the transaction. The issuer system can transmit the dynamic payment packet to a third-party system to obtain offer data based on the customer creditworthiness information. An authorization response can be determined based on the offer data and based on authorization of the transaction. Responsive to sending at least the authorization response to a merchant system, the mobile device can receive real-time financing options related to the payment of the transaction and cross-selling of lending products based on the offer data.
G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
9.
SYSTEMS AND METHODS FOR GENERATING OFFERS FROM TOKENIZED CONTACTLESS PAYMENTS
Systems and methods for generating real-time financing offers based on tokenized contactless payments are disclosed. By combining customer account data elements with tokenized payment credentials, the various embodiments described herein provide additional functionality for financial transactions. A first single-use token can be transmitted to a mobile device for use in a transaction, and a dynamic payment packet can be returned to an issuer system in response to completing the transaction. The issuer system can transmit the dynamic payment packet to a third-party system to obtain offer data based on the customer creditworthiness information. An authorization response can be determined based on the offer data and based on authorization of the transaction. Responsive to sending at least the authorization response to a merchant system, the mobile device can receive real-time financing options related to the payment of the transaction and cross-selling of lending products based on the offer data.
G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
G06Q 20/20 - Systèmes de réseaux présents sur les points de vente
G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
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