A MULTIPLE PAYEE DIGITAL TRANSACTION AUTHENTICATION METHOD
A method of paying multiple payees where unique transaction credentials are provided to each of the payees upon receipt of a transaction request including a single cryptogram. The method involves receiving a transaction request including a cryptographic payer identifier and payment information for a...
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| creator | COLLINGE, Mehdi JOHNSON, Alan |
| description | A method of paying multiple payees where unique transaction credentials are provided to each of the payees upon receipt of a transaction request including a single cryptogram. The method involves receiving a transaction request including a cryptographic payer identifier and payment information for at least two payees. The transaction request is authenticated based on the identifier. Each of the payees is provided with a unique account number, expiry data, and verification code that are all bound using a cryptographic process. These transaction credentials are usable by the payee to make a payment request that facilitates payment from the payer. One of the account number, expiry data and verification code is time limited so that the payment request is only facilitated within a predetermined length of time of the credentials being provided. The invention finds use with payers having a mobile wallet application on their smart device. |
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The method involves receiving a transaction request including a cryptographic payer identifier and payment information for at least two payees. The transaction request is authenticated based on the identifier. Each of the payees is provided with a unique account number, expiry data, and verification code that are all bound using a cryptographic process. These transaction credentials are usable by the payee to make a payment request that facilitates payment from the payer. One of the account number, expiry data and verification code is time limited so that the payment request is only facilitated within a predetermined length of time of the credentials being provided. 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The invention finds use with payers having a mobile wallet application on their smart device.</description><subject>CALCULATING</subject><subject>COMPUTING</subject><subject>COUNTING</subject><subject>DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES</subject><subject>PHYSICS</subject><subject>SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR</subject><fulltext>true</fulltext><rsrctype>patent</rsrctype><creationdate>2024</creationdate><recordtype>patent</recordtype><sourceid>EVB</sourceid><recordid>eNrjZLByVPAN9QnxDPBxVQhwjHR1VXDxdPcMcfRRCAly9At2dA7x9PdTcAwN8XD1C_F0dgRzfV1DPPxdeBhY0xJzilN5oTQ3g4Kba4izh25qQX58anFBYnJqXmpJvGuAiZGBgbmFkaOJMRFKAHEvKMM</recordid><startdate>20240807</startdate><enddate>20240807</enddate><creator>COLLINGE, Mehdi</creator><creator>JOHNSON, Alan</creator><scope>EVB</scope></search><sort><creationdate>20240807</creationdate><title>A MULTIPLE PAYEE DIGITAL TRANSACTION AUTHENTICATION METHOD</title><author>COLLINGE, Mehdi ; JOHNSON, Alan</author></sort><facets><frbrtype>5</frbrtype><frbrgroupid>cdi_FETCH-epo_espacenet_EP4200782A43</frbrgroupid><rsrctype>patents</rsrctype><prefilter>patents</prefilter><language>eng ; fre ; ger</language><creationdate>2024</creationdate><topic>CALCULATING</topic><topic>COMPUTING</topic><topic>COUNTING</topic><topic>DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES</topic><topic>PHYSICS</topic><topic>SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR</topic><toplevel>online_resources</toplevel><creatorcontrib>COLLINGE, Mehdi</creatorcontrib><creatorcontrib>JOHNSON, Alan</creatorcontrib><collection>esp@cenet</collection></facets><delivery><delcategory>Remote Search Resource</delcategory><fulltext>fulltext_linktorsrc</fulltext></delivery><addata><au>COLLINGE, Mehdi</au><au>JOHNSON, Alan</au><format>patent</format><genre>patent</genre><ristype>GEN</ristype><title>A MULTIPLE PAYEE DIGITAL TRANSACTION AUTHENTICATION METHOD</title><date>2024-08-07</date><risdate>2024</risdate><abstract>A method of paying multiple payees where unique transaction credentials are provided to each of the payees upon receipt of a transaction request including a single cryptogram. The method involves receiving a transaction request including a cryptographic payer identifier and payment information for at least two payees. The transaction request is authenticated based on the identifier. Each of the payees is provided with a unique account number, expiry data, and verification code that are all bound using a cryptographic process. These transaction credentials are usable by the payee to make a payment request that facilitates payment from the payer. One of the account number, expiry data and verification code is time limited so that the payment request is only facilitated within a predetermined length of time of the credentials being provided. The invention finds use with payers having a mobile wallet application on their smart device.</abstract><oa>free_for_read</oa></addata></record> |
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| language | eng ; fre ; ger |
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| subjects | CALCULATING COMPUTING COUNTING DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES PHYSICS SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR |
| title | A MULTIPLE PAYEE DIGITAL TRANSACTION AUTHENTICATION METHOD |
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