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WO2003036576A3 - Procede et systeme de securisation supplementaire de paiements effectues par carte de paiement - Google Patents

Procede et systeme de securisation supplementaire de paiements effectues par carte de paiement Download PDF

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Publication number
WO2003036576A3
WO2003036576A3 PCT/PL2002/000075 PL0200075W WO03036576A3 WO 2003036576 A3 WO2003036576 A3 WO 2003036576A3 PL 0200075 W PL0200075 W PL 0200075W WO 03036576 A3 WO03036576 A3 WO 03036576A3
Authority
WO
WIPO (PCT)
Prior art keywords
terminal
payment
card
interface
information
Prior art date
Application number
PCT/PL2002/000075
Other languages
English (en)
Other versions
WO2003036576B1 (fr
WO2003036576A2 (fr
Inventor
Wojciech Wojciechowski
Original Assignee
Wojciech Wojciechowski
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 Wojciech Wojciechowski filed Critical Wojciech Wojciechowski
Priority to AU2002347691A priority Critical patent/AU2002347691A1/en
Priority to EP02783868A priority patent/EP1454305A2/fr
Publication of WO2003036576A2 publication Critical patent/WO2003036576A2/fr
Publication of WO2003036576A3 publication Critical patent/WO2003036576A3/fr
Publication of WO2003036576B1 publication Critical patent/WO2003036576B1/fr

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
    • G06Q20/425—Confirmation, e.g. check or permission by the legal debtor of payment using two different networks, one for transaction and one for security confirmation
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3224—Transactions dependent on location of M-devices
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—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
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—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
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—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
    • G06Q20/401—Transaction verification
    • G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07C—TIME OR ATTENDANCE REGISTERS; REGISTERING OR INDICATING THE WORKING OF MACHINES; GENERATING RANDOM NUMBERS; VOTING OR LOTTERY APPARATUS; ARRANGEMENTS, SYSTEMS OR APPARATUS FOR CHECKING NOT PROVIDED FOR ELSEWHERE
    • G07C9/00—Individual registration on entry or exit
    • G07C9/20—Individual registration on entry or exit involving the use of a pass
    • G07C9/27—Individual registration on entry or exit involving the use of a pass with central registration

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Security & Cryptography (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

Dans le système de la présente invention, une carte de paiement peut être associée à un terminal de communication qui établit une connexion avec l'utilisateur et qui peut se trouver à une certaine distance. Avant que le paiement ne soit effectué, au moins une question d'autorisation supplémentaire peut être formulée et envoyée au terminal de communication et la décision relative au traitement de la transaction est prise en fonction de la réponse donnée par l'utilisateur du terminal. Il est possible de vérifier si l'emplacement géographique actuel du terminal de communication est suffisamment proche de la position géographique du terminal de paiement, ou s'il est possible que le détenteur de la carte puisse se déplacer du terminal de paiement précédent au terminal de paiement actuel. Dans sa version de base, le système comprend une base de données contenant des informations relatives aux cartes (5), laquelle base de données peut être modifiée par l'intermédiaire d'une interface de modification (8) par le système de gestion d'informations relatives aux cartes, d'une interface d'autorisation (11) chargée de communiquer avec le centre d'autorisation de la carte, d'une interface de communication (9) qui établit des connexions avec des terminaux et un module (2) de calcul et de commande. Ce système peut également comprendre une base de données contenant des informations relatives aux transactions effectuées avec les cartes (6), une interface (10) fonctionnant comme intermédiaire pour l'envoi d'informations relatives aux terminaux de paiement disponibles et à leur position géographique, un module de localisation (14) procurant au système des informations sur les emplacements des terminaux et un module de calcul (3) chargé de calculer la distance temps-espace entre la transaction en cours et la transaction précédente effectuée avec la même carte par l'intermédiaire d'un terminal de paiement ou de calculer la distance spatiale qui sépare le terminal de paiement dans lequel la transaction est effectuée et le terminal pouvant être localisé, puis de comparer le résultat avec la référence.
PCT/PL2002/000075 2001-10-20 2002-10-21 Procede et systeme de securisation supplementaire de paiements effectues par carte de paiement WO2003036576A2 (fr)

Priority Applications (2)

Application Number Priority Date Filing Date Title
AU2002347691A AU2002347691A1 (en) 2001-10-20 2002-10-21 Method and system of additional securing of payment card payments
EP02783868A EP1454305A2 (fr) 2001-10-20 2002-10-21 Procede et systeme de securisation supplementaire de paiements effectues par carte de paiement

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
PLP.350218 2001-10-20
PL01350218A PL350218A1 (en) 2001-10-20 2001-10-20 Method of and system for providing extra security of payments effected by means of cheque cards

Publications (3)

Publication Number Publication Date
WO2003036576A2 WO2003036576A2 (fr) 2003-05-01
WO2003036576A3 true WO2003036576A3 (fr) 2003-11-27
WO2003036576B1 WO2003036576B1 (fr) 2004-03-25

Family

ID=20079557

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/PL2002/000075 WO2003036576A2 (fr) 2001-10-20 2002-10-21 Procede et systeme de securisation supplementaire de paiements effectues par carte de paiement

Country Status (5)

Country Link
EP (1) EP1454305A2 (fr)
AU (1) AU2002347691A1 (fr)
PL (1) PL350218A1 (fr)
RU (1) RU2004115391A (fr)
WO (1) WO2003036576A2 (fr)

Families Citing this family (12)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6928547B2 (en) 1998-07-06 2005-08-09 Saflink Corporation System and method for authenticating users in a computer network
GB2402792A (en) * 2003-06-11 2004-12-15 Sanjay Hora Verifying identity and authorising transactions
US20050165684A1 (en) * 2004-01-28 2005-07-28 Saflink Corporation Electronic transaction verification system
IL160107A0 (en) * 2004-01-28 2004-06-20 Aron Matalon Method and system for authenticating credit transactions
US7497374B2 (en) * 2004-09-17 2009-03-03 Digital Envoy, Inc. Fraud risk advisor
DE102005021129A1 (de) 2005-05-06 2006-11-09 Robert Bosch Gmbh Verfahren und System zur Datenübertragung
JP4752554B2 (ja) 2006-03-15 2011-08-17 オムロン株式会社 利用者機器、認証システム、認証方法、認証プログラムおよび記録媒体
DE102009060946A1 (de) * 2009-12-23 2011-06-30 Doering, Wolfram, 13469 Verfahren zur elektronischen Kommunikation von Bankaufträgen und Kommunikationssystem zur Ausübung des Verfahrens
GB2511112A (en) * 2013-02-25 2014-08-27 Licentia Group Ltd Authentication method & system
KR102553318B1 (ko) * 2016-01-19 2023-07-10 삼성전자주식회사 결제를 수행하는 전자 장치 및 방법
US20170330165A1 (en) * 2016-05-10 2017-11-16 Danal Inc. Methods and systems for identity verification at self-service machines
FR3076037A1 (fr) * 2017-12-22 2019-06-28 Orange Procede d'obtention d'une information complementaire associee a une caracteristique d'une transaction bancaire

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP0601659A1 (fr) * 1992-12-07 1994-06-15 Koninklijke KPN N.V. Méthode pour la protection d'un système à carte à circuit intégré
US5335265A (en) * 1991-11-08 1994-08-02 Electronic Data Systems Corporation Apparatus for detecting and preventing subscriber number cloning in a cellular mobile telephone system
WO1996041488A1 (fr) * 1995-06-07 1996-12-19 The Dice Company Systeme de detection des fraudes dans un reseau electronique recourant aux coordonnees geographiques de localisation
US6097938A (en) * 1997-07-11 2000-08-01 Northern Telecom Limited Authentication and tracking system for a cellular telephone

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5335265A (en) * 1991-11-08 1994-08-02 Electronic Data Systems Corporation Apparatus for detecting and preventing subscriber number cloning in a cellular mobile telephone system
EP0601659A1 (fr) * 1992-12-07 1994-06-15 Koninklijke KPN N.V. Méthode pour la protection d'un système à carte à circuit intégré
WO1996041488A1 (fr) * 1995-06-07 1996-12-19 The Dice Company Systeme de detection des fraudes dans un reseau electronique recourant aux coordonnees geographiques de localisation
US6097938A (en) * 1997-07-11 2000-08-01 Northern Telecom Limited Authentication and tracking system for a cellular telephone

Also Published As

Publication number Publication date
WO2003036576B1 (fr) 2004-03-25
WO2003036576A2 (fr) 2003-05-01
AU2002347691A1 (en) 2003-05-06
EP1454305A2 (fr) 2004-09-08
PL350218A1 (en) 2003-04-22
RU2004115391A (ru) 2005-06-10

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