ATE343908T1 - Verfahren zur verbesserung der sicherheit im bezug auf mit kreditkarten und cash-karten durchgeführte bezahlungen - Google Patents

Verfahren zur verbesserung der sicherheit im bezug auf mit kreditkarten und cash-karten durchgeführte bezahlungen

Info

Publication number
ATE343908T1
ATE343908T1 AT01272427T AT01272427T ATE343908T1 AT E343908 T1 ATE343908 T1 AT E343908T1 AT 01272427 T AT01272427 T AT 01272427T AT 01272427 T AT01272427 T AT 01272427T AT E343908 T1 ATE343908 T1 AT E343908T1
Authority
AT
Austria
Prior art keywords
cards
mobile telephone
cash
payments made
credit
Prior art date
Application number
AT01272427T
Other languages
English (en)
Inventor
Peder Fast
Original Assignee
Payment Security Sweden Ab
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 Payment Security Sweden Ab filed Critical Payment Security Sweden Ab
Application granted granted Critical
Publication of ATE343908T1 publication Critical patent/ATE343908T1/de

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
    • G06Q20/40—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
    • G06Q20/30—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
    • 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]
    • 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • 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
    • 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
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Computer Security & Cryptography (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Mobile Radio Communication Systems (AREA)
AT01272427T 2000-12-22 2001-12-20 Verfahren zur verbesserung der sicherheit im bezug auf mit kreditkarten und cash-karten durchgeführte bezahlungen ATE343908T1 (de)

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
SE0004820A SE518059C2 (sv) 2000-12-22 2000-12-22 Förfarande för att öka säkerheten vid betalning med kredit- och betalkort

Publications (1)

Publication Number Publication Date
ATE343908T1 true ATE343908T1 (de) 2006-11-15

Family

ID=20282400

Family Applications (1)

Application Number Title Priority Date Filing Date
AT01272427T ATE343908T1 (de) 2000-12-22 2001-12-20 Verfahren zur verbesserung der sicherheit im bezug auf mit kreditkarten und cash-karten durchgeführte bezahlungen

Country Status (7)

Country Link
US (1) US20040073519A1 (de)
EP (1) EP1344418B1 (de)
AT (1) ATE343908T1 (de)
DE (1) DE60124136T2 (de)
ES (1) ES2275622T3 (de)
SE (1) SE518059C2 (de)
WO (1) WO2002052879A1 (de)

Families Citing this family (66)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP1450320A1 (de) * 2003-02-21 2004-08-25 Swisscom Mobile AG Zahlungsmodul mit mehreren Zahlungskonten, Zahlungssystem und Zahlungsverfahren
US7865448B2 (en) 2004-10-19 2011-01-04 First Data Corporation Methods and systems for performing credit transactions with a wireless device
US7792516B2 (en) * 2004-11-08 2010-09-07 Tonie Soderstrom Purchase card system and method therefor
CN100463467C (zh) * 2004-12-01 2009-02-18 中兴通讯股份有限公司 能支付乘车费的移动电话及其支付方法
US20090102712A1 (en) * 2005-04-26 2009-04-23 Guy Heffez Method and system for monitoring electronic purchases and cash-withdrawals
US12086803B2 (en) 2005-08-25 2024-09-10 Spriv Llc Method for authenticating internet users
US9727867B2 (en) 2005-04-26 2017-08-08 Guy Hefetz Method for detecting misuse of identity in electronic transactions
US12393941B2 (en) 2005-08-25 2025-08-19 Spriv Llc Method for authenticating internet users
US7503489B2 (en) * 2005-04-26 2009-03-17 Bpriv, Llc Method and system for monitoring electronic purchases and cash-withdrawals
US12591888B2 (en) 2005-04-26 2026-03-31 Spriv Llc Method for authenticating internet users
US11818287B2 (en) 2017-10-19 2023-11-14 Spriv Llc Method and system for monitoring and validating electronic transactions
US11308477B2 (en) 2005-04-26 2022-04-19 Spriv Llc Method of reducing fraud in on-line transactions
US12260407B1 (en) * 2005-08-25 2025-03-25 Spriv Llc Method for authenticating internet users
US8640197B2 (en) * 2005-04-26 2014-01-28 Guy Heffez Methods for acquiring an internet user's consent to be located and for authenticating the identity of the user using location information
WO2007004224A1 (en) * 2005-07-05 2007-01-11 Mconfirm Ltd. Improved location based authentication system
US20080035725A1 (en) * 2006-08-11 2008-02-14 International Business Machines Corporation Method to use cell phone location to authenticate or enable/disable authorization of credit cards
US8566227B2 (en) * 2006-10-27 2013-10-22 Ccip Corp. Location based credit
US11354667B2 (en) 2007-05-29 2022-06-07 Spriv Llc Method for internet user authentication
CN101933035A (zh) * 2007-08-08 2010-12-29 黄金富 便携式atm机系统和相应取款存款方法
US9304555B2 (en) * 2007-09-12 2016-04-05 Devicefidelity, Inc. Magnetically coupling radio frequency antennas
US9311766B2 (en) 2007-09-12 2016-04-12 Devicefidelity, Inc. Wireless communicating radio frequency signals
US8070057B2 (en) 2007-09-12 2011-12-06 Devicefidelity, Inc. Switching between internal and external antennas
US20090069049A1 (en) 2007-09-12 2009-03-12 Devicefidelity, Inc. Interfacing transaction cards with host devices
US8915447B2 (en) 2007-09-12 2014-12-23 Devicefidelity, Inc. Amplifying radio frequency signals
US20090112767A1 (en) 2007-10-25 2009-04-30 Ayman Hammad Escrow system and method
US8837465B2 (en) 2008-04-02 2014-09-16 Twilio, Inc. System and method for processing telephony sessions
WO2009124223A1 (en) 2008-04-02 2009-10-08 Twilio Inc. System and method for processing telephony sessions
US20090307141A1 (en) * 2008-06-06 2009-12-10 Telefonaktiebolaget Lm Ericsson (Publ) Secure Card Services
ITRM20080360A1 (it) * 2008-07-02 2010-01-03 Property Worldwide Solutions Italia S R L Metodo e relativo sistema per l'effettuazione di una transazione sicura tramite carta di pagamento.
LU91488B1 (en) * 2008-10-17 2010-04-19 Robert Carter Multifactor Authentication
US12034863B2 (en) 2009-01-21 2024-07-09 Spriv Llc Methods of authenticating the identity of a computer
US20110047075A1 (en) * 2009-08-19 2011-02-24 Mastercard International Incorporated Location controls on payment card transactions
US12309311B2 (en) 2010-03-28 2025-05-20 Spriv Llc Method and system for validating electronic transactions
US11792314B2 (en) 2010-03-28 2023-10-17 Spriv Llc Methods for acquiring an internet user's consent to be located and for authenticating the location information
GB2479131A (en) * 2010-03-29 2011-10-05 It Consultancy Solutions Ltd Fraud detection system for determining fraud risk associated with a transaction
CN102346932A (zh) * 2010-08-06 2012-02-08 苏州巴米特信息科技有限公司 基于手机的刷卡方法
US11978052B2 (en) 2011-03-28 2024-05-07 Spriv Llc Method for validating electronic transactions
WO2012162270A2 (en) 2011-05-20 2012-11-29 Vivotech, Inc. Methods, systems, and computer-readable storage media for managing risk using location, mobile, and user participating - based identity verification
EP2551814A1 (de) * 2011-07-29 2013-01-30 Pacifica Beteiligungsgesellschaft mbH Verfahren zur Durchführung einer Authentifizierung eines Verfügungsberechtigten an einem Transaktionsterminal
US9544759B2 (en) 2011-11-01 2017-01-10 Google Inc. Systems, methods, and computer program products for managing states
KR101515768B1 (ko) 2011-11-01 2015-04-28 제이브이엘 벤쳐스, 엘엘씨 보안 요소를 관리하기 위한 시스템, 방법 및 컴퓨터 프로그램 제품
MX359818B (es) 2012-05-24 2018-10-11 Google Inc Sistemas, metodos y productos de programas informaticos para proporcionar un protocolo sin contacto.
US9691066B2 (en) 2012-07-03 2017-06-27 Verifone, Inc. Location-based payment system and method
US20140012750A1 (en) 2012-07-09 2014-01-09 Jvl Ventures, Llc Systems, methods, and computer program products for integrating third party services with a mobile wallet
US8737962B2 (en) 2012-07-24 2014-05-27 Twilio, Inc. Method and system for preventing illicit use of a telephony platform
US8676709B2 (en) 2012-07-31 2014-03-18 Google Inc. Merchant category codes in a proxy card transaction
WO2014047069A1 (en) 2012-09-18 2014-03-27 Jvl Ventures, Llc Systems, methods, and computer program products for interfacing multiple service provider trusted service managers and secure elements
AU2014209581B2 (en) 2013-01-25 2019-05-02 Google Llc Systems, methods, and computer program products for managing data re-installation
US10366113B2 (en) 2013-03-15 2019-07-30 Twitter, Inc. Method and system for generating a geocode trie and facilitating reverse geocode lookups
WO2014160636A1 (en) 2013-03-26 2014-10-02 Jvl Ventures Llc Systems, methods, and computer program products for managing service installation
US9495558B2 (en) 2013-03-26 2016-11-15 Google Inc. Systems, methods, and computer program products for managing access control
US9646302B2 (en) 2013-03-26 2017-05-09 Google Inc. Systems, methods, and computer program products for managing wallet activation
US11030315B2 (en) 2013-05-21 2021-06-08 Google Llc Systems, methods, and computer program products for managing disabling of services
EP3011517A4 (de) 2013-06-17 2017-04-12 Google, Inc. Systeme, verfahren und computerprogrammprodukte zum verarbeiten einer anfrage im zusammenhang mit einer mobilkommunikationsvorrichtung
WO2015006215A1 (en) 2013-07-08 2015-01-15 Jvl Ventures, Llc Systems, methods, and computer program products for processing sets of instructions for mobile devices
EP3053081B1 (de) 2013-09-30 2019-11-06 Google LLC Systeme, verfahren und computerprogrammprodukte zur sicheren datenverwaltung auf einem sicheren element
US9697516B2 (en) 2013-10-10 2017-07-04 Google Inc. System, methods, and computer program products for storing and managing program data
CA2926717C (en) 2013-10-10 2018-01-16 Google Inc. Systems, methods, and computer program products for managing contactless transactions
US10157407B2 (en) 2013-10-29 2018-12-18 Elwha Llc Financier-facilitated guaranty provisioning
US9818105B2 (en) 2013-10-29 2017-11-14 Elwha Llc Guaranty provisioning via wireless service purveyance
US9934498B2 (en) 2013-10-29 2018-04-03 Elwha Llc Facilitating guaranty provisioning for an exchange
CN105934961A (zh) 2013-12-19 2016-09-07 谷歌公司 用于获得移动设备数据的系统、方法和计算机程序产品
WO2015095033A1 (en) 2013-12-19 2015-06-25 Jvl Ventures, Llc Systems, methods, and computer program products for service processing
US9226217B2 (en) 2014-04-17 2015-12-29 Twilio, Inc. System and method for enabling multi-modal communication
US11620628B2 (en) 2015-06-30 2023-04-04 Mastercard International Incorporated Method and system for fraud control based on geolocation
US10825023B2 (en) 2019-04-10 2020-11-03 Advanced New Technologies Co., Ltd. Verification method and apparatus for user signing fast payment with bank card

Family Cites Families (19)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4707592A (en) * 1985-10-07 1987-11-17 Ware Paul N Personal universal identity card system for failsafe interactive financial transactions
US5806018A (en) * 1993-05-25 1998-09-08 Intellectual Property Development Associates Of Connecticut, Incorporated Methods and apparatus for updating navigation information in a motorized vehicle
US5627355A (en) * 1994-07-13 1997-05-06 Rahman; Sam Transaction device, equipment and method for protecting account numbers and their associated personal identification numbers
US5559520A (en) * 1994-09-26 1996-09-24 Lucent Technologies Inc. Wireless information system for acquiring location related information
FI100137B (fi) * 1994-10-28 1997-09-30 Vazvan Simin Reaaliaikainen langaton telemaksujärjestelmä
US5826245A (en) * 1995-03-20 1998-10-20 Sandberg-Diment; Erik Providing verification information for a transaction
US5913203A (en) * 1996-10-03 1999-06-15 Jaesent Inc. System and method for pseudo cash transactions
US6073124A (en) * 1997-01-29 2000-06-06 Shopnow.Com Inc. Method and system for securely incorporating electronic information into an online purchasing application
US6868391B1 (en) * 1997-04-15 2005-03-15 Telefonaktiebolaget Lm Ericsson (Publ) Tele/datacommunications payment method and apparatus
US6021371A (en) * 1997-04-16 2000-02-01 Trimble Navigation Limited Communication and navigation system incorporating position determination
US6163771A (en) * 1997-08-28 2000-12-19 Walker Digital, Llc Method and device for generating a single-use financial account number
US6445794B1 (en) * 1998-06-24 2002-09-03 Benyamin Ron System and method for synchronizing one time pad encryption keys for secure communication and access control
EP1065634A1 (de) * 1999-07-02 2001-01-03 Mic Systems System und Verfahren zur Durchführung gesicherter elektronischer Transaktionen über ein offenes Kommunikationsnetwerk
SE515047C2 (sv) * 1999-10-01 2001-06-05 Tryggit Ab Metod och system för verifiering av tjänstebeställning
US6400956B1 (en) * 1999-11-15 2002-06-04 Lucent Technologies Inc. Method and apparatus for a wireless telecommunication system that provides location-based action services
NL1014655C2 (nl) * 2000-03-15 2001-09-25 Ericsson Telefon Ab L M Werkwijze en stelsel voor het langs elektronische weg registreren van en het verschaffen van informatie over het gebruik van een vervoersvoorziening.
US6609654B1 (en) * 2000-05-15 2003-08-26 Privasys, Inc. Method for allowing a user to customize use of a payment card that generates a different payment card number for multiple transactions
US6959192B1 (en) * 2000-11-06 2005-10-25 Agere Systems Inc. System and method for updating stored information portable electronic devices based on geographic location
US20040203909A1 (en) * 2003-01-01 2004-10-14 Koster Karl H. Systems and methods for location dependent information download to a mobile telephone

Also Published As

Publication number Publication date
DE60124136T2 (de) 2007-09-06
SE0004820L (sv) 2002-06-23
DE60124136D1 (de) 2006-12-07
EP1344418B1 (de) 2006-10-25
EP1344418A1 (de) 2003-09-17
WO2002052879A1 (en) 2002-07-04
ES2275622T3 (es) 2007-06-16
SE0004820D0 (sv) 2000-12-22
US20040073519A1 (en) 2004-04-15
SE518059C2 (sv) 2002-08-20

Similar Documents

Publication Publication Date Title
ATE343908T1 (de) Verfahren zur verbesserung der sicherheit im bezug auf mit kreditkarten und cash-karten durchgeführte bezahlungen
US8275364B2 (en) Systems and methods for contactless payment authorization
US7909243B2 (en) System and method for completing a secure financial transaction using a wireless communications device
US20150066758A1 (en) Payment card systems and methods
GB0027922D0 (en) Electronic payment and associated systems
MY145482A (en) Authentication and payment system and method using mobile communication terminal
TW200709093A (en) Method and system for securing card payment transactions using a mobile communication device
NZ521240A (en) Electronic credit card including communication and user verification means
EP1213690A3 (de) Effiziente und sichere Zahlungsmethode und -system über ein mobiles Terminal
JP2016500173A (ja) モバイル装置および電源付きディスプレイカードを用いた、安全な遠隔アクセスおよび遠隔支払いのためのシステムおよび方法。
WO2009014502A3 (en) Method and system for safety and simple paying with mobile terminal
CN203535725U (zh) 具有二维码扫描装置的自动柜员机及系统
GB2519967A (en) Voice authentication in transactions
CN1893355B (zh) 一种网络用户端身份认证的方法及系统
CN201892989U (zh) 销售终端的无线通信识别设备和销售终端
WO2015163771A1 (en) Payment systems
KR20110006407A (ko) 모바일 신용카드의 발급 방법 및 발급 시스템
ZA202211085B (en) A method of securing a payment card transaction
SE0002416D0 (sv) Communication method and device
AU2001233511B2 (en) Electronic credit card - ecc
KR20150041857A (ko) Van 망을 이용한 휴대폰 결제 방법
KR20120112339A (ko) 무선 상품권 결제 방법
KR20120112340A (ko) 토큰 코드를 이용한 무선 상품권 결제 방법
CN112950192A (zh) 一种新一代ic卡云快付系统
KR20120112341A (ko) 바코드 표시 방법

Legal Events

Date Code Title Description
UEP Publication of translation of european patent specification

Ref document number: 1344418

Country of ref document: EP

REN Ceased due to non-payment of the annual fee