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1. (WO2018140272) CONTACTS FOR MISDIRECTED PAYMENTS AND USER AUTHENTICATION
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Pub. No.: WO/2018/140272 International Application No.: PCT/US2018/014126
Publication Date: 02.08.2018 International Filing Date: 18.01.2018
IPC:
G06Q 20/32 (2012.01) ,G06Q 20/40 (2012.01) ,G06Q 20/42 (2012.01)
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA 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
20
Payment architectures, schemes or protocols
30
characterised by the use of specific devices
32
using wireless devices
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA 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
20
Payment architectures, schemes or protocols
38
Payment protocols; Details thereof
40
Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA 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
20
Payment architectures, schemes or protocols
38
Payment protocols; Details thereof
42
Confirmation, e.g. check or permission by the legal debtor of payment
Applicants:
SQUARE, INC. [US/US]; 1455 Market Street, Suite 600 San Francisco, CA 94103, US
Inventors:
GRASSADONIA, Brian; US
OMOJOLA, Ayokunle; US
MORING, Michael; US
ANDERSEN, Robert; US
PERITO, Daniele; US
STIPECH, Kristopher; US
Agent:
CHOI, Hogene L.; US
Priority Data:
15/419,92130.01.2017US
15/419,94030.01.2017US
Title (EN) CONTACTS FOR MISDIRECTED PAYMENTS AND USER AUTHENTICATION
(FR) CONTACTS POUR PAIEMENTS MAL ACHEMINÉS ET AUTHENTIFICATION D'UTILISATEUR
Abstract:
(EN) Disclosed herein are systems and methods for processing a payment request that use mobile devices to have money transferred. These mobile devices are capable of running a payment transfer application that facilitates a transfer of money. A user can then execute the payment transfer application using a mobile device to send money, through a payment processing system that runs the payment transfer application, to a recipient account. One or more techniques authenticate a user of the mobile device by multi factor authentication prior to processing requests for money transfer initiated by the user.
(FR) L'invention concerne des systèmes et des procédés permettant de traiter une requête de paiement qui utilise des dispositifs mobiles pour procéder à un transfert d'argent. Ces dispositifs mobiles peuvent exécuter une application de transfert de paiement qui facilite un transfert d'argent. Un utilisateur peut ensuite exécuter l'application de transfert de paiement à l'aide d'un dispositif mobile pour envoyer de l'argent, par l'intermédiaire d'un système de traitement de paiement qui exécute l'application de transfert de paiement, à un compte bénéficiaire. Une ou plusieurs techniques authentifient un utilisateur du dispositif mobile par une authentification multifactorielle avant de traiter des requêtes de transfert d'argent initiées par l'utilisateur.
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Designated States: AE, AG, AL, AM, AO, AT, AU, AZ, BA, BB, BG, BH, BN, BR, BW, BY, BZ, CA, CH, CL, CN, CO, CR, CU, CZ, DE, DJ, DK, DM, DO, DZ, EC, EE, EG, ES, FI, GB, GD, GE, GH, GM, GT, HN, HR, HU, ID, IL, IN, IR, IS, JO, JP, KE, KG, KH, KN, KP, KR, KW, KZ, LA, LC, LK, LR, LS, LU, LY, MA, MD, ME, MG, MK, MN, MW, MX, MY, MZ, NA, NG, NI, NO, NZ, OM, PA, PE, PG, PH, PL, PT, QA, RO, RS, RU, RW, SA, SC, SD, SE, SG, SK, SL, SM, ST, SV, SY, TH, TJ, TM, TN, TR, TT, TZ, UA, UG, US, UZ, VC, VN, ZA, ZM, ZW
African Regional Intellectual Property Organization (ARIPO) (BW, GH, GM, KE, LR, LS, MW, MZ, NA, RW, SD, SL, ST, SZ, TZ, UG, ZM, ZW)
Eurasian Patent Office (AM, AZ, BY, KG, KZ, RU, TJ, TM)
European Patent Office (EPO) (AL, AT, BE, BG, CH, CY, CZ, DE, DK, EE, ES, FI, FR, GB, GR, HR, HU, IE, IS, IT, LT, LU, LV, MC, MK, MT, NL, NO, PL, PT, RO, RS, SE, SI, SK, SM, TR)
African Intellectual Property Organization (BF, BJ, CF, CG, CI, CM, GA, GN, GQ, GW, KM, ML, MR, NE, SN, TD, TG)
Publication Language: English (EN)
Filing Language: English (EN)