BARCLAYS BANK PLC Patent applications |
Patent application number | Title | Published |
20160127348 | LINKED REGISTRATION - Secure registration of a new application with a server system is provided. An old application has been registered with the system. A first link between the new application and the system establishes a first key and first check data is communicated from the system to the new application and passed to the old application. A second link between the old application and the system establishes a second key based on input of a credential to the old application; the first check data is communicated from the old application to the system. Enciphered second check data is communicated from the system to the old application over the second link and further encrypted by the old application using a third key. This generates doubly-enciphered check data which is passed to the new application and decrypted using the first key and a fourth key, generated at the new application based on the first check data and input of the credential to the new application. | 05-05-2016 |
20160078397 | AUTHENTICATION SYSTEM FOR PURCHASE DELIVERY - A computer-implemented method of providing authenticated delivery of a purchase to an authorised recipient comprises: a. authorising (S | 03-17-2016 |
20150371227 | Registering a Mobile User - Method and system of registering a user of a mobile device comprising: obtaining data identifying a user. Obtaining account data. Retrieving data uniquely identifying a mobile device. Authenticating the user with the mobile device. Validating the user with the account using the data identifying the user and the account data. | 12-24-2015 |
20150310430 | MOBILE PAYMENT SYSTEM AND METHOD - A merchant web site automatically detects whether a customer device has a registered payment application; if so, the web site generates a custom protocol message that is triggered on checkout to initiate payment via the payment application. Details of the transaction are passed to the payment application via a payment server so that the user can authorise the transaction within the payment application. | 10-29-2015 |
20150112862 | PEER-TO-PEER PAYMENT REGISTRATION AND ACTIVATION - A user is registered for an electronic peer-to-peer payment system by authenticating the user at an automated teller machine (ATM), receiving the user's mobile number and addressing a verification code to the user's mobile number, which the user must enter in order to be registered. | 04-23-2015 |
20140369497 | USER ACCESS CONTROL BASED ON A GRAPHICAL SIGNATURE - A user inputs a pattern consisting of a plurality of lines. The lines are classified by relative length, overall direction and degree of curvature. Where a line is started from a new position, the direction from the previous starting point is taken into account. The series of lines is then serialised into a key value, which may then be used to decrypt data stored on a device. This enables data to be securely stored since the key is supplied by the user at runtime and is not itself stored on the device. | 12-18-2014 |
20140297424 | Providing Offers to Customers - Method and apparatus for selecting customers to receive offers comprising: obtaining a set of transactions for a group of customers. Assigning transaction categories to the transactions within the set of transactions. Determining for each customer in the group of customers, a distribution of their transaction categories. Selecting the one or more customers to receive an offer based on their determined distribution of transaction categories. | 10-02-2014 |
20140222670 | CONTACTLESS PAYMENT APPLICATION MANAGEMENT - A system and method for completing a financial transaction using contactless payment applications within a mobile device is disclosed. The mobile device may include at least one mobile payment card application and at least one mobile wallet application designed to manage one or more mobile payment card applications stored on the mobile device. Conflicts between the requirements for the mobile payment card application and the wallet application regarding activation of the contactless mobile payment card application may be resolved through the use of payment card and wallet applications stored in the handset of the mobile device, as well as card payment applications, wallet applications, and a platform specifying a framework for managing contactless applications stored in a SIM component of the mobile device. | 08-07-2014 |
20140180792 | MOBILE COMMERCE BUSINESS SYSTEM AND METHOD FOR SHARING MERCHANT CONTENT AND CREATING A CUSTOMER INDEX - The present application is directed to mobile commerce systems and methods for allowing users to interact with and share merchant content, such as coupons or advertisements, and for creating a customer index based on tracked consumer activity with the merchant content. In particular, the application is directed to allowing users to interact with and share merchant content through a mobile wallet or mobile application, and to creating a customer index that allows merchants to identify and access those customers that actively engage with merchant content and that can influence the sale of a merchant's products or services. | 06-26-2014 |
20140156989 | Credential Recovery - In a credential recovery process, a user is authenticated using an application running on a mobile communications device, and requests recovery of a credential. The application generates a session key encrypted with the public key of a gateway, and sends the encrypted key to the gateway. The gateway recovers the credential from a depository, encrypted using a symmetric key shared with the depository. The gateway decrypts the credential and re-encrypts the credential using the session key. Preferably, the decryption and re-encryption is performed within a hardware secure module within the gateway. The re-encrypted credential is sent to the application, which decrypts the credential and outputs it to the user. In this way, the credential is provided securely to the user and may be made available for use immediately, or nearly so. | 06-05-2014 |
20140149278 | System and Method for Digital Document Management - A method and system for processing an application for a financing product for a user in an electronic financing system, by a) authenticating the user by verifying identification and validation responses presented by the user at a computing device; b) transmitting a passcode to the authenticated user; c) providing a digital agreement document associated with the financing product for display to the authenticated user at the computing device; d) verifying a passcode entered by the user to electronically sign the digital agreement document, against the transmitted passcode; and e) if the entered passcode is verified, registering an approved financing product for the user in the electronic financing system. | 05-29-2014 |
20140122901 | Device and Method For Secure Memory Access - In a secure computing environment, a method, system and device are provided for loading stored encryption key data from a protected non-volatile memory of a portable device. A boot loader program is initiated after the portable device is powered on, encryption key data is loaded from the protected non-volatile memory of the portable device, and access to the protected non-volatile memory is disabled after a predetermined time after the portable device is powered on. In this way, the encryption key data is loaded from the protected non-volatile memory of a portable device before the boot operating system is loaded. | 05-01-2014 |
20140122344 | Secure Computing Environment - A portable electronic device having a memory storing application software for initiating a payment transaction with a remote system, a data interface for coupling the device to a host computer, a contactless interface for receiving payment token data from a contactless payment token, and a cellular network interface for communication of data over a cellular network. The application software is executed from the device when the device is connected to the host computer and configures the portable electronic device to initiate a payment transaction by receiving payment token data via the contactless interface means and transmitting said payment token data to the remote system via the mobile network interface means. | 05-01-2014 |
20140122329 | Secure Computing Device and Method - A method and device are described for maintaining software components in a portable electronic device. The device includes memory storing software components executable from the device, with associated pairs of logical storage partitions for storing different versions of the software components, a data interface for coupling the device to a host computer, a contactless interface for receiving payment token data from a contactless payment token, and a cellular network interface for communication of data over a cellular network. An upgrade process is initiated when the device is coupled to the host computer. Data including a different version of at least one of said software components is received, installed and executed to initiate a payment transaction with a remote system. Payment token data is received via the contactless interface means and transmitted to the remote system. | 05-01-2014 |
20140101048 | System and Method for Enrollment of Payment Transaction Services - In an electronic payment transaction, a mobile device captures customer payment token data using an integrated camera. A user is registered to initiate the payment transaction using a mobile payment application on the mobile device. The registration process involves retrieving customer data associated with the captured customer payment token data to pre-populate an enrollment form. The user authentication is provided by verifying input authentication data or by an existing mobile service application. | 04-10-2014 |
20140101047 | System and Method for Authenticating a Payment Transaction - In an electronic payment transaction, a mobile merchant device captures customer card details using an integrated camera. The customer enters card security details on a touch-screen of the mobile merchant device, which also captures fingerprint data from the customer. The fingerprint data are stored in a transaction record, for non-repudiation purposes. | 04-10-2014 |
20140095334 | SYSTEM AND METHOD FOR PROCESSING PRODUCT UPGRADE TRANSACTIONS - A system and method for facilitating upgrade transactions for certain purchased products is disclosed. Information regarding a purchased product may be stored in a database, and upgrade options and upgrade pricing information regarding the purchased product may be displayed to the customer. A mobile application may be used by the customer to purchase the original product, and the mobile application may further allow the customer to track upgrade options for the product and to initiate the upgrade transaction. When a customer initiates an upgrade transaction, an upgrade payment is matched to the originally purchased product. The upgrade payment may be sent from the mobile application. The system and method may then arrange for the return, or trade-in, of the originally purchased product as well as the delivery or pick-up of the upgrade product. | 04-03-2014 |
20130325569 | MOBILE WALLET SYSTEM - A mobile wallet system providing contextual services to a consumer is described, comprising a mobile wallet on a mobile device associated with the consumer, a payment platform for processing payment transactions by the mobile wallet, a digital content service platform for providing digital content services to the mobile wallet, and an analytics platform for controlling the digital content services provided to the mobile wallet based on collected consumer data. | 12-05-2013 |
20130246260 | Mobile Payment Transaction System - A payment transaction system including a payment authentication token associated with a customer; and a payment platform associated with the authentication token, the payment platform storing a stored value payment account having a pre-paid stored value and information corresponding to a plurality of linked funding accounts. In response to a transaction authentication performed by the authentication token and transaction data associated with the transaction, the payment platform selects the stored value payment account or a linked account, and settles the transaction with the selected account. | 09-19-2013 |
20130226800 | System and Method for Authenticating a Payment Transaction - A system and method of authenticating a payment transaction between a merchant and a customer in an electronic payment system are described. Transaction details presented by the merchant are received at a mobile electronic device, the customer is authenticated by means of an authentication token presented by the customer at an authentication terminal, and the geo-location of the mobile electronic device and the authentication terminal are compared to verify that the device and terminal are within a predefined geographical distance at the time the payment transaction is processed. | 08-29-2013 |
20130221093 | Payment Transaction Receipt System and Method - A system and method of providing receipt data for a payment transaction through a transaction receipt portal system are described, in which receipt data is stored for a completed payment transaction received from a remote merchant system, the receipt data being associated with a customer and a merchant registered with the system, and stored receipt data is provided to the associated registered customer or merchant. A card payment transaction involves receiving, by a computing device, an electronic receipt from the merchant system, the electronic receipt including data for retrieving stored receipt data from the transaction receipt portal system. | 08-29-2013 |
20130173476 | Computer system and method for initiating payments based on cheques - A system and method for initiating electronic payments based on paper cheques, including a paying party chip-and-PIN terminal arranged to input cleartext data including a cheque number and an amount from a cheque issued by a first bank, at which the paying party has an account, and generating from it encoded data using a key, for the user to write on the cheque; and a computer associated with the first bank, arranged to accept, from a paid party via the internet, data defining a second bank and an account at the second bank, associated with the paid party; accepting, from the paid party, the cleartext data and the encoded data from the cheque, and validating the cleartext data from the cheque using the encoded data and the key; and initiating an electronic funds transfer from the first bank to the second bank of the amount specified on the cheque. | 07-04-2013 |
20130151405 | Mobile Wallet Off-line Transaction System - A system for processing mobile payment transactions is described, the system includes a mobile electronic device having a mobile wallet module for initiating payment transactions from a mobile payment account associated with a payment service provider and operable to communicate with the payment service provider via a data network to settle the payment transaction. The mobile electronic device receives and stores data defining an off-line enabled merchant interface when the mobile electronic device is connected to the data network, processes an off-line payment transaction through the stored merchant interface when the mobile electronic device is not connected to the data network, and communicates details of the off-line payment transaction to the payment service provider when the mobile electronic device is re-connected to the data network. | 06-13-2013 |
20130144776 | System and Method for Providing a Payment Instrument - A system and method for processing an online application for a payment instrument is described, in which user details are received, a payment instrument is assigned based on the received user details, wherein the payment instrument is associated with unique identifying data, and the user is informed of the assigned payment instrument by transmitting a first portion of said unique identifying data via a first communication channel, and transmitting a second portion of said unique identifying data via a second communication channel different to the first communication channel. | 06-06-2013 |
20130060699 | METHOD AND SYSTEM FOR DIGITAL DOCUMENT MANAGEMENT ON A MOBILE DEVICE - A method and system are described for tracking a process of provisioning, by a middleware server to a portable device in a mobile payment system, electronic wallet data for authorizing a payment transaction. In an embodiment, a user request for a payment account product is transmitted by the portable device to the middleware server. In response, the middleware server initiates a provisioning process for the requested payment account product, including storing status data indicative of an initiated state of the provisioning process. The middleware server then transmits a digital document to the portable device, including information that must be viewed by the user, and updates the status data indicative of a transmitted state of the digital document. In response to receiving an indication that the digital document has been viewed, the middleware server updates the stored status data indicative of a digital document viewed state. The middleware then provisions an electronic wallet data for the requested payment account product to the portable device. | 03-07-2013 |
20120131354 | METHOD AND SYSTEM FOR PROVISION OF CRYPTOGRAPHIC SERVICES - An encryption service system comprises an API for receiving requests from one or more calling applications. Each request comprises information identifying the operations to be performed on data to be processed and information identifying the origin and target of the data. The encryption service system further comprises a cryptographic server for processing the requests and determining, for each request, an encryption policy to be applied. | 05-24-2012 |
20110302070 | Systems and Methods for Netting of Transactions - An aspect comprises a computer readable memory that stores information regarding a first derivatives transaction between a first entity and a second entity; and a processor unit that calculates, based on the information regarding the first derivatives transaction, one or more parameters for each of a second derivatives transaction and a third derivatives transaction; wherein the second derivatives transaction is between a clearing entity and the first entity, and the third derivatives transaction is between the clearing entity and the second entity; wherein the second derivatives transaction provides a substantially similar effect to the first entity as the first derivatives transaction; wherein the third derivatives transaction provides a substantially similar effect to the second entity as the first derivatives transaction; wherein the clearing entity is a limited recourse central counterparty, and wherein the processor unit comprises one or more processors. | 12-08-2011 |
20100131306 | SYSTEM AND METHOD FOR CALCULATING AND PROVIDING A PREDETERMINED PAYMENT OBLIGATION - A system and method is provided for calculating and generating a predetermined payment obligation. A hypothetical portfolio of securities is selected having an initial value. A financial instrument is issued that references the hypothetical portfolio, the financial instrument having a fixed term. A guaranteed minimum withdrawal benefit is deducted from a net asset value of the hypothetical portfolio on a periodic basis for the fixed term. The net asset value of the hypothetical portfolio is determined to be zero if the net asset value of the hypothetical portfolio falls below a predetermined amount of funds. An adjustment in the number of securities in the hypothetical portfolio is calculated with a computer on a periodic basis according to an algorithm, the algorithm taking into account at least one of a prevailing market value of the securities in the hypothetical portfolio and a net present value of an obligation to deduct the predetermined amount of funds until the end of the fixed term. At the end of the fixed term, the net asset value of the hypothetical portfolio is paid. | 05-27-2010 |