User Positive Approval and Authentication Services (UPAAS)

• US 20120030114A1
• Filed: 08/02/2010
• Published: 02/02/2012
• Est. Priority Date: 08/02/2010
• Status: Active Grant

• Current Assignee: Stanton Management Group, Inc.
• Original Assignee: Stanton Management Group, Inc.
• Inventors: Sikljovan, Branislav, Andric, Radosav
• Granted Patent: US 9,619,801 B2
• Time in Patent Office: Days
• US Class Current: 705/44
• CPC Class Codes: G06Q 20/40 Authorisation, 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
• CPC Class Codes: G06Q 20/4012 Verifying personal identification numbers [PIN]
• CPC Class Codes: G06Q 20/4015 using location information
• CPC Class Codes: G06Q 20/409 Device specific authentication in transaction processing
• CPC Class Codes: H04W 12/068 using credential vaults, e.g. password manager applications or one time password [OTP] applications
• CPC Class Codes: H04W 12/069 using certificates or pre-shared keys

Abstract

The invention provides Users of Retail Payment and Identification instruments with the ability to review transaction details and approve transaction by capturing UVM in User controlled environment and Issuers of these instruments with the ability to positively authenticate Users in Issuer controlled environment. The invention accounts for real time legacy or non-legacy processing systems to provide an authorization request from POA to Issuer Host. The invention introduces two UPAAS components—User Gateway and User Application. The UPAAS User Gateway is implemented in an Issuer controlled environment enabling interface between Issuer legacy Host and UPAAS User Applications. The UPAAS User Application can be implemented on any device supporting communication protocol such as TCP/IP without any hardware changes enabling the User to login to UPAAS User Gateway, review and approve or decline a specific transaction in real time by entering UVM, such as PIN, for User authentication purposes.

Claims

1. A method and technology solution enabling Issuers of Retail Payment and Identification instruments to request approval from Users of these instruments in real time for the transactions initiated at and processed through legacy or non-legacy systems once the transaction authorization request is received from Acquirer or Network and before it is processed for approval by Issuer Host.

2. A method and technology solution enabling Issuers of Retail Payment and Identification instruments to authenticate Users of these instruments in real time in Issuer controlled environment for the transactions initiated at and processed through legacy or non-legacy systems once the transaction authorization request is received from Acquirer or Network and after the transaction has been approved by the User.

3. A method and technology solution enabling Issuers of Retail Payment and Identification instruments to request additional information from Users of these instruments in real time for the transactions initiated at and processed through legacy or non-legacy systems once the transaction authorization request is received from Acquirer or Network and before it is processed for approval by Issuer Host.

4. A method and technology solution enabling Users of Retail Payment and Identification instruments to review in real time details of the transaction initiated at legacy or non-legacy POA and approve or decline the transaction in a self controlled environment outside of POA and Acquirer environment.

5. A method and technology solution enabling Users of Retail Payment and Identification instruments to enter UVM in self controlled environment and transmission of UVM from the User application to the Issuer Host without ever capturing, receiving or storing any User or Payment/Identification instrument information on the application used for capturing and processing of UVM.