AT507761A3 - Identität-verifikation eines käufers - Google Patents

Identität-verifikation eines käufers Download PDF

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Publication number
AT507761A3
AT507761A3 ATA9476/2007A AT94762007A AT507761A3 AT 507761 A3 AT507761 A3 AT 507761A3 AT 94762007 A AT94762007 A AT 94762007A AT 507761 A3 AT507761 A3 AT 507761A3
Authority
AT
Austria
Prior art keywords
account
transactor
verification
identity
details
Prior art date
Application number
ATA9476/2007A
Other languages
English (en)
Other versions
AT507761A2 (de
Original Assignee
Net 1 Ueps Technologies 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 Net 1 Ueps Technologies Inc filed Critical Net 1 Ueps Technologies Inc
Publication of AT507761A2 publication Critical patent/AT507761A2/de
Publication of AT507761A3 publication Critical patent/AT507761A3/de

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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
    • 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
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • 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
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F18/00—Pattern recognition
    • 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
    • G06Q30/00—Commerce
    • 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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07G—REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
    • G07G1/00—Cash registers
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07G—REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
    • G07G1/00—Cash registers
    • G07G1/12—Cash registers electronically operated

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Computer Security & Cryptography (AREA)
  • Marketing (AREA)
  • Economics (AREA)
  • Development Economics (AREA)
  • Evolutionary Biology (AREA)
  • Evolutionary Computation (AREA)
  • Bioinformatics & Cheminformatics (AREA)
  • Bioinformatics & Computational Biology (AREA)
  • Computer Vision & Pattern Recognition (AREA)
  • Data Mining & Analysis (AREA)
  • Life Sciences & Earth Sciences (AREA)
  • Artificial Intelligence (AREA)
  • General Engineering & Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Collating Specific Patterns (AREA)
  • Measurement Of The Respiration, Hearing Ability, Form, And Blood Characteristics Of Living Organisms (AREA)
  • Microelectronics & Electronic Packaging (AREA)

Abstract

Vorrichtung (11), welche eine finanzielle Transaktion zwischen einem potenziellen Transaktor und einem Empfänger, ermöglicht, verfügt über eine Identitäts- und Kontoverifikationseinrichtung (10) um die Identität der zahlenden Person und ein Konto, welches die zahlende Person bei einer finanziellen Institution unterhält, zu prüfen, wobei die Verifikationseinrichtung von einem unabhängigen Prüfer betrieben wird. Die Identitäts- und Kontoverifikationseinrichtung (10) enthält einen Speicher (20) zum Speichern eines Erkennungszeichens des Transaktors und Einzelheiten von mindestens einer Kontonummer, die der Transaktor bei der finanziellen Institution unterhält. Es wird ein Erkennungszeicheneingabemittel bereitgestellt, wobei der Transaktor sein Erkennungszeichen eingibt, wenn er den Service abonniert. Ein Kontodetailbeschaffungsmittel zur Erhaltung von Konto Einzelheiten des Transaktors bei seiner finanziellen Institution, ein Erkennungszeicheneingabemitttel, wobei die zahlende Person ihr Erkennungszeichen eingibt und ein Kommunikationsmittel zur Kommunikation mit einem unabhängigen Prüfer befinden sich bei dem Empfänger zur Ausstattung des Prüfers mit den Konto-Einzelheiten und dem Erkennungszeichen und zum Erhalt einer Verifikations- Bestätigung oder Ablehnung vom Prüfer, bevor die zahlende Person mit der Person, welche die Zahlung erhält, eine finanzielle Transaktion vornimmt.
ATA9476/2007A 2006-11-16 2007-11-15 Identität-verifikation eines käufers AT507761A3 (de)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
ZA200609537 2006-11-16
PCT/IB2007/054659 WO2008059458A1 (en) 2006-11-16 2007-11-15 Verification of a transactor's identity

Publications (2)

Publication Number Publication Date
AT507761A2 AT507761A2 (de) 2010-07-15
AT507761A3 true AT507761A3 (de) 2016-03-15

Family

ID=39167696

Family Applications (1)

Application Number Title Priority Date Filing Date
ATA9476/2007A AT507761A3 (de) 2006-11-16 2007-11-15 Identität-verifikation eines käufers

Country Status (24)

Country Link
US (1) US8768776B2 (de)
EP (1) EP2097859A1 (de)
JP (1) JP2010510565A (de)
KR (2) KR20160040731A (de)
CN (2) CN106096936A (de)
AP (1) AP2009004898A0 (de)
AT (1) AT507761A3 (de)
AU (1) AU2007320778B2 (de)
BR (1) BRPI0718899A2 (de)
CA (1) CA2669789C (de)
CH (1) CH698353B1 (de)
DE (1) DE112007002763T5 (de)
ES (2) ES2372833B1 (de)
FI (1) FI20095661A7 (de)
GB (1) GB2457002A (de)
IL (1) IL198739A0 (de)
MA (1) MA31070B1 (de)
MX (1) MX2009005259A (de)
MY (1) MY151683A (de)
NZ (1) NZ577676A (de)
RU (1) RU2479029C2 (de)
SE (1) SE0950456L (de)
WO (1) WO2008059458A1 (de)
ZA (1) ZA200903804B (de)

Families Citing this family (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
AU2011207602B2 (en) * 2010-01-19 2015-01-22 Visa International Service Association Verification mechanism
CN105143996A (zh) 2013-03-15 2015-12-09 苹果公司 使用无线设备来促进与用户账户的交易
CN103150654A (zh) * 2013-03-18 2013-06-12 江苏乐买到网络科技有限公司 一种电子商务交易系统和方法
KR101808733B1 (ko) 2016-10-24 2018-01-19 주식회사 올아이티탑 남녀 식별구분하여 지문 또는/및 지정맥 인식을 이용한 전자 결제 시스템의 처리 방법
WO2018140700A1 (en) * 2017-01-27 2018-08-02 Hutchinson Shawn Secure authentication and financial attributes services
US11847651B2 (en) 2017-05-23 2023-12-19 Kenneth A Kopf Systems and methods for facilitating biometric tokenless authentication for services
US11526888B2 (en) * 2019-11-04 2022-12-13 Visa International Service Association Relying party risk-adjusted indicator system and method
CN111680999B (zh) * 2020-05-28 2021-08-03 韩永辉 一种基于大数据的互联网金融交易系统及方法

Citations (2)

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WO2000045320A1 (en) * 1999-01-29 2000-08-03 Veristar Corporation Tokenless biometric electronic debit and credit transactions

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* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5748765A (en) * 1992-10-27 1998-05-05 Jasper Consulting, Inc. Modifying a database using a fingerprint form
WO2000045320A1 (en) * 1999-01-29 2000-08-03 Veristar Corporation Tokenless biometric electronic debit and credit transactions

Also Published As

Publication number Publication date
AT507761A2 (de) 2010-07-15
AU2007320778A1 (en) 2008-05-22
ES2372833A1 (es) 2012-01-27
CA2669789A1 (en) 2008-05-22
MA31070B1 (fr) 2010-01-04
MX2009005259A (es) 2009-10-13
DE112007002763T5 (de) 2009-09-24
IL198739A0 (en) 2010-02-17
CH698353B1 (de) 2015-06-15
EP2097859A1 (de) 2009-09-09
AP2009004898A0 (en) 2009-06-30
CN101573722A (zh) 2009-11-04
ES2403336A2 (es) 2013-05-17
ES2403336B1 (es) 2014-08-27
AU2007320778B2 (en) 2012-09-13
KR20090103878A (ko) 2009-10-01
US8768776B2 (en) 2014-07-01
GB0910301D0 (en) 2009-07-29
GB2457002A (en) 2009-08-05
ES2403336R1 (es) 2014-01-07
JP2010510565A (ja) 2010-04-02
BRPI0718899A2 (pt) 2013-12-10
RU2479029C2 (ru) 2013-04-10
NZ577676A (en) 2012-04-27
CN106096936A (zh) 2016-11-09
SE0950456L (sv) 2009-07-21
US20120123879A1 (en) 2012-05-17
RU2009122581A (ru) 2010-12-27
FI20095661A7 (fi) 2009-08-06
FI20095661L (fi) 2009-06-12
KR20160040731A (ko) 2016-04-14
ES2372833B1 (es) 2013-01-29
CA2669789C (en) 2016-08-16
ZA200903804B (en) 2010-03-31
MY151683A (en) 2014-06-30
WO2008059458A1 (en) 2008-05-22

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Effective date: 20240715