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US 2021/0264412 A1Published application
System and method for securing financial transactions
AssigneeToshiba Tec Kabushiki Kaisha
InventorSilvy WILSON
Life of this patent
Estimating the term…
Abstract
A system and method for verification of credit or debit transactions during user purchases includes a cloud server that receives charge information during an attempted sales transaction. The cloud server searches for contact information for a user that has been pre-associated with the account. A one-time code is generated and transmitted to the user's device. The user verifies the charge information and inputs the one-time code confirming the transaction. The one-time code may be encrypted or viewable in conjunction with the user's scanned fingerprint.
Claims20
A system comprising:
- a memory storing user account information associatively with a user device address;
- a data interface, and
- a processor,
- the processor configured to receive a checkout request for a credit or debit purchase via the data interface,
- the processor configured to receive credit or debit card information corresponding to the credit or debit purchase from an associated user via the data interface,
- the processor further configured generate a one-time code corresponding to the credit or debit purchase,
- the processor further configured to encrypt the generated one-time code in accordance with a fingerprint of a user associated with a user device associated with the user device address,
- the processor further configured to determine user account information from the received credit or debit card information,
- the processor further configured to send the encrypted one-time code to a user device address associated with the determined user account information via the data interface,
- the processor further configured to receive user input responsive to the sent one-time code via the data interface, and
- the processor further configured to selectively approve the credit or debit purchase in accordance with a comparison of the one-time code with received user input, and
- wherein the received user input is comprised of the one-time code decrypted on the user device in accordance with a user fingerprint scan completed on the user device.
9 more elements
(canceled)
(canceled)
A method comprising:
- storing user account information associatively with a user device address in a memory;
- receiving a checkout request for a credit or debit purchase via a data interface;
- receiving credit or debit card information corresponding to the credit or debit purchase from an associated user via the data interface;
- determining user account information from received credit or debit card information;
- generating a one-time code corresponding to the credit or debit purchase;
- encrypting the generated one-time code in accordance with a fingerprint of a user associated with a user device associated with the user device address,
- sending the encrypted one-time code to a user device address associated with the determined user account information via the data interface;
- and
- receiving user input responsive to the sent one-time code via the data interface;
- and
- selectively approving the credit or debit purchase in accordance with a comparison of the one-time code with received user input;
- and
- wherein the received user input is comprised of the one-time code decrypted on the user device in accordance with a user fingerprint scan completed on the user device.
10 more elements
(canceled)
(canceled)
A system comprising:
- memory;
- a data interface;
- a user interface including a user input and a display configured to receive credit or debit account information from a user;
- a fingerprint scanner;
- a processor,
- the processor configured to communicate received credit or debit account information to an associated server via the data interface, and
- the processor further configured to receive an encrypted one-time code generated by the associated server responsive to communicated credit or debit account information via the data interface;
- the processor further configured to decrypt the one-time code in accordance with user fingerprint data received from the fingerprint scanner;
- and
- a portable data device associated with the user configured to receive and display the decrypted one-time code,
- wherein the processor is further configured to receive user response code input associated with the displayed one-time code via the user input, and
- wherein the processor is further configured to selectively process a credit or debit transaction in accordance with a comparison of the received one-time code with the received user response code input.
9 more elements
Dependencies are inferred from the claim text.