WO2008005876A3 - Managing transaction accounts - Google Patents

Managing transaction accounts Download PDF

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Publication number
WO2008005876A3
WO2008005876A3 PCT/US2007/072552 US2007072552W WO2008005876A3 WO 2008005876 A3 WO2008005876 A3 WO 2008005876A3 US 2007072552 W US2007072552 W US 2007072552W WO 2008005876 A3 WO2008005876 A3 WO 2008005876A3
Authority
WO
WIPO (PCT)
Prior art keywords
service provider
verification
account
transactions
transaction
Prior art date
Application number
PCT/US2007/072552
Other languages
French (fr)
Other versions
WO2008005876A2 (en
Inventor
Bharathi Ramavarjula
Jeffrey A Hughes
Original Assignee
Amazon Tech Inc
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Amazon Tech Inc filed Critical Amazon Tech Inc
Publication of WO2008005876A2 publication Critical patent/WO2008005876A2/en
Publication of WO2008005876A3 publication Critical patent/WO2008005876A3/en

Links

Classifications

    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/10Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, 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
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes

Abstract

A transaction account verification system and method are provided. A user computing device transmits an account registration request that includes a selection of an account verification technique. A service provider obtains the request and initiates a set of transactions with an identified financial service provider. The service provider generates a verification token reflective of the set of transactions and at least one piece of information associated with the selected account verification technique. The user computing device generates a user verification token from user input regarding the set of transactions and at least one piece of information associated with the selected account verification technique. The service provider can verify the transaction account and set transaction thresholds based upon matching verification tokens.
PCT/US2007/072552 2006-06-30 2007-06-29 Managing transaction accounts WO2008005876A2 (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US11/480,753 2006-06-30
US11/480,753 US7644042B2 (en) 2006-06-30 2006-06-30 Managing transaction accounts

Publications (2)

Publication Number Publication Date
WO2008005876A2 WO2008005876A2 (en) 2008-01-10
WO2008005876A3 true WO2008005876A3 (en) 2008-04-10

Family

ID=38895382

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2007/072552 WO2008005876A2 (en) 2006-06-30 2007-06-29 Managing transaction accounts

Country Status (2)

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US (3) US7644042B2 (en)
WO (1) WO2008005876A2 (en)

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Also Published As

Publication number Publication date
US20100094742A1 (en) 2010-04-15
WO2008005876A2 (en) 2008-01-10
US8321343B2 (en) 2012-11-27
US20130060698A1 (en) 2013-03-07
US7644042B2 (en) 2010-01-05
US8600886B2 (en) 2013-12-03
US20080015987A1 (en) 2008-01-17

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