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1. WO2008021887 - TRANSACTION SECURITY SYSTEM HAVING USER DEFINED SECURITY PARAMETERS

Publication Number WO/2008/021887
Publication Date 21.02.2008
International Application No. PCT/US2007/075488
International Filing Date 08.08.2007
IPC
H04K 1/00 2006.01
HELECTRICITY
04ELECTRIC COMMUNICATION TECHNIQUE
KSECRET COMMUNICATION; JAMMING OF COMMUNICATION
1Secret communication
H04L 9/00 2006.01
HELECTRICITY
04ELECTRIC COMMUNICATION TECHNIQUE
LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
9Arrangements for secret or secure communication
CPC
G06Q 20/382
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
38Payment protocols; Details thereof
382insuring higher security of transaction
G06Q 20/40
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
38Payment protocols; Details thereof
40Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
G06Q 20/401
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
38Payment protocols; Details thereof
40Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
401Transaction verification
G06Q 20/405
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
38Payment protocols; Details thereof
40Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
405Establishing or using transaction specific rules
G06Q 30/06
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
30Commerce, e.g. shopping or e-commerce
06Buying, selling or leasing transactions
Applicants
  • REGIONS ASSET COMPANY [US]/[US] (AllExceptUS)
  • WALLACH, Benjamin, T. [US]/[US] (UsOnly)
Inventors
  • WALLACH, Benjamin, T.
Agents
  • FOX, Harold, H.
Priority Data
11/464,14311.08.2006US
Publication Language English (EN)
Filing Language English (EN)
Designated States
Title
(EN) TRANSACTION SECURITY SYSTEM HAVING USER DEFINED SECURITY PARAMETERS
(FR) SYSTÈME DE SÉCURITÉ DES TRANSACTIONS AYANT DES PARAMÈTRES DE SÉCURITÉ DÉFINIS PAR L'UTILISATEUR
Abstract
(EN)
A fraud-prevention system having user security parameters based on user instruction. A user specifies the security parameter for a transaction. The security parameter may include, but is not limited to a geographic location, a monetary value range, a transaction mode, an account access parameter, a class of goods, or a class of services. The fraud-prevention system acquires this security parameter information from the user and stores it in a user security parameter database. The fraud-prevention system uses these user security parameters to screen subsequent transactions.
(FR)
La présente invention concerne un système de prévention de fraude ayant des paramètres de sécurité définis par l'utilisateur sur la base d'instructions de l'utilisateur. Un utilisateur spécifie des paramètres de sécurité pour une transaction donnée. Ces paramètres de sécurité peuvent comprendre, mais sans être limités à cela, un emplacement géographique, une plage de valeurs monétaires, un mode de transaction, un paramètre d'accès de compte, une classe de marchandises, ou une classe de services. Le système de prévention de fraude acquiert ces informations de paramètre de sécurité grâce à l'utilisateur et les enregistre dans une base de données de paramètres de sécurité utilisateur. Le système de prévention de fraude utilise ces paramètres de sécurité utilisateur pour filtrer les transactions suivantes.
Also published as
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