CA2303893A1 - Procede de controle de l'utilisation legitime d'une carte de debit ou d'un moyen similaire donnant droit a disposer d'un compte bancaire - Google Patents

Procede de controle de l'utilisation legitime d'une carte de debit ou d'un moyen similaire donnant droit a disposer d'un compte bancaire Download PDF

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Publication number
CA2303893A1
CA2303893A1 CA002303893A CA2303893A CA2303893A1 CA 2303893 A1 CA2303893 A1 CA 2303893A1 CA 002303893 A CA002303893 A CA 002303893A CA 2303893 A CA2303893 A CA 2303893A CA 2303893 A1 CA2303893 A1 CA 2303893A1
Authority
CA
Canada
Prior art keywords
authorization
signal
bank
card
account
Prior art date
Legal status (The legal status 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 status listed.)
Abandoned
Application number
CA002303893A
Other languages
English (en)
Inventor
Akos Andrasev
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Individual
Original Assignee
Individual
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
Priority claimed from HU9701553A external-priority patent/HU9701553D0/hu
Priority claimed from HU9702485A external-priority patent/HU9702485D0/hu
Application filed by Individual filed Critical Individual
Publication of CA2303893A1 publication Critical patent/CA2303893A1/fr
Abandoned legal-status Critical Current

Links

Classifications

    • 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
    • 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
    • G06Q20/22—Payment schemes or models
    • G06Q20/26—Debit schemes, e.g. "pay now"
    • 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
    • G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
    • G06Q20/3255—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks using mobile network messaging services for payment, e.g. SMS
    • 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
    • G06Q20/403—Solvency checks
    • G06Q20/4037—Remote solvency checks
    • 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

Landscapes

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

Abstract

La procédure de l'invention peut être utilisée à la fois pour autoriser de manière verbale ou électronique le pouvoir d'utiliser une carte bancaire, et pour effectuer une recherche du pouvoir d'un mandat, avant son exécution. L'essence de la procédure réside dans le fait que, avant chaque transaction voulue, en plus du signal d'autorisation bien connu visant à permettre l'utilisation de la carte ou à émettre un mandat, le signal d'autorisation est subordonné à un signal prioritaire d'autorisation, déduit d'un signal de message de retour obtenu préalablement du décisionnaire par l'intermédiaire d'un réseau de télécommunications, de préférence par l'intermédiaire d'un réseau de télécommunications mobile numérique, sous la forme d'un signal de message SMS, en réponse à un message de demande de priorité d'autorisation, et la transaction est autorisée au moyen du signal d'autorisation validé par le signal d'autorisation prioritaire et ayant la signification de celui-ci.
CA002303893A 1997-09-17 1998-09-17 Procede de controle de l'utilisation legitime d'une carte de debit ou d'un moyen similaire donnant droit a disposer d'un compte bancaire Abandoned CA2303893A1 (fr)

Applications Claiming Priority (7)

Application Number Priority Date Filing Date Title
HUP9701553 1997-09-17
HU9701553A HU9701553D0 (en) 1997-09-17 1997-09-17 Method for checking authorised use of credit cards or other devices having right of disposing of bank account
HUP9702485 1997-12-17
HU9702485A HU9702485D0 (en) 1997-12-17 1997-12-17 Method of controlling legality of use of a bank card or an other device having power of disposing of a bank account or being in command of a bank account
PCT/HU1998/000087 WO1999014711A2 (fr) 1997-09-17 1998-09-17 Procede de controle de l'utilisation legitime d'une carte de debit ou d'un moyen similaire donnant droit a disposer d'un compte bancaire
HUP9802109 1998-09-17
HU9802109A HU223427B1 (hu) 1997-09-17 1998-09-17 Eljárás bankkártya vagy más, bankszámla fölött rendelkezési jogot adó eszköz felhasználása jogosságának biztosítására

Publications (1)

Publication Number Publication Date
CA2303893A1 true CA2303893A1 (fr) 1999-03-25

Family

ID=89997102

Family Applications (1)

Application Number Title Priority Date Filing Date
CA002303893A Abandoned CA2303893A1 (fr) 1997-09-17 1998-09-17 Procede de controle de l'utilisation legitime d'une carte de debit ou d'un moyen similaire donnant droit a disposer d'un compte bancaire

Country Status (5)

Country Link
EP (1) EP1021802A2 (fr)
AU (1) AU9362498A (fr)
CA (1) CA2303893A1 (fr)
HU (1) HU223427B1 (fr)
WO (1) WO1999014711A2 (fr)

Families Citing this family (49)

* Cited by examiner, † Cited by third party
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US9418381B2 (en) 2000-04-14 2016-08-16 Citigroup Credit Services, Inc. (USA) Method and system for notifying customers of transaction opportunities
US6226624B1 (en) * 1997-10-24 2001-05-01 Craig J. Watson System and method for pre-authorization of individual account remote transactions
FR2792143B1 (fr) * 1999-04-12 2004-04-02 Sarl Smart Design Procede et systeme de securisation de l'utilisation de cartes comportant des moyens d'identification et/ou d'authentification
US7249093B1 (en) * 1999-09-07 2007-07-24 Rysix Holdings, Llc Method of and system for making purchases over a computer network
EP1087350A1 (fr) * 1999-09-22 2001-03-28 Trintech Limited Méthode pour transferts de paiement sécurisés
AU7035700A (en) * 1999-09-22 2001-04-24 Trintech Limited A method for the secure transfer of payments
US6647272B1 (en) 1999-11-19 2003-11-11 Nokia Corporation Apparatus, and associated method, for automatically notifying a mobile station of occurrence of a triggering event
US8346677B1 (en) 2000-12-29 2013-01-01 Citicorp Development Center, Inc. Method and system for conducting commerce over a wireless communication network
US8725632B2 (en) 2000-01-13 2014-05-13 Citicorp Development Center, Inc. Method and system for conducting financial and non-financial transactions using a wireless device
WO2001055984A1 (fr) * 2000-01-28 2001-08-02 Fundamo (Proprietary) Limited Systeme electronique souple utile pour realiser des transactions commerciales
US7865414B2 (en) 2000-03-01 2011-01-04 Passgate Corporation Method, system and computer readable medium for web site account and e-commerce management from a central location
EP1510984A3 (fr) * 2000-03-01 2005-06-08 Passgate Corporation Méthode, système et support lisible par un ordinateur pour compte de site web et gestion de commerce électronique à partir d'une implantation centrale
TW550477B (en) * 2000-03-01 2003-09-01 Passgate Corp Method, system and computer readable medium for Web site account and e-commerce management from a central location
ITPI20000011A1 (it) * 2000-03-03 2001-09-03 Emanuele Gagliano Metodo e sistema di pagamento per l'e-commerce ed il mobile commerce basato sull'uso combinato di internet e delle reti di telefonia mobile
GB2360383C (en) * 2000-03-17 2005-10-10 Tradesafely Com Ltd Payment authorisation method and apparatus
EP1134707A1 (fr) * 2000-03-17 2001-09-19 Tradesafely.com Limited Procédé et dispositif d'authorisation de paiement
AU2387901A (en) * 2000-03-17 2001-09-24 Tradesafely.Com Limited Payment authorisation method and apparatus
US8032453B2 (en) 2000-04-14 2011-10-04 Citicorp Development Center, Inc. Method and system for notifying customers of transaction opportunities
EP1150262A3 (fr) * 2000-04-26 2004-08-11 International Business Machines Corporation Paiement à l'aide d'un téléphone mobile de transactions commerciales basées sur un réseau
ITRM20000374A1 (it) * 2000-07-07 2002-01-07 Tre Sigma Srl Il sistema tresigma toro.
WO2002007110A2 (fr) * 2000-07-17 2002-01-24 Connell Richard O Systeme et procede d'authentification d'un utilisateur autorise d'une carte de paiement, et autorisation d'une transaction par carte de paiement
DE10039572A1 (de) * 2000-08-09 2002-03-28 Deutsche Telekom Ag Verfahren zur Überprüfung von Zahlungsvorgängen mit Kreditkarten
GB2366432A (en) * 2000-09-04 2002-03-06 Sonera Smarttrust Oy Secure electronic payment system
FR2815203A1 (fr) * 2000-10-05 2002-04-12 Ntsys Mandataire de paiement securise internet avec validation par telephone mobile
FR2815745B1 (fr) * 2000-10-25 2003-01-10 Cedric Remy Procede de paiement par telematique securise
EP1211653A1 (fr) * 2000-12-01 2002-06-05 Atlinks Système de paiement de factures utilisant des réseaux téléphoniques
GB2370668A (en) * 2000-12-27 2002-07-03 Mark Christie Notification system for card transactions
US20020133462A1 (en) * 2001-03-16 2002-09-19 Koninklijke Philips Electronics N.V. Instant electronic notification of credit card use serves as deterrent
FR2827982B1 (fr) * 2001-07-27 2005-02-18 Smart Design Procede de securisation de transactions
FR2828309B1 (fr) * 2001-08-02 2005-08-26 Ascom Monetel Procede et dispositif de securisation des transactions
EP1302917A3 (fr) * 2001-08-16 2004-01-02 Siemens Aktiengesellschaft Procédé et dispositif pour des paiements électroniques de produits ou de services, notamment pour une application sur un réseau de données
GB2381633A (en) * 2001-11-02 2003-05-07 Nokia Corp Controlling transactions
FR2833127B1 (fr) * 2001-12-05 2004-04-02 Mobileway Procede d'echange de donnees relatives a une transaction electrique
WO2003079258A1 (fr) * 2002-03-20 2003-09-25 Tan Kah Pheng Alex Systeme anti-fraude d'alerte par mobiles pour cartes de credit
GB2398159A (en) * 2003-01-16 2004-08-11 David Glyn Williams Electronic payment authorisation using a mobile communications device
DE10304265A1 (de) * 2003-02-03 2004-08-26 Mega-Tel Ag Kontrolle von Kreditkarten-Transaktionen
EP1604339A1 (fr) * 2003-03-06 2005-12-14 Fortunatus Holdings Limited Systeme de transaction securise
GB2399209B (en) * 2003-03-06 2006-09-13 Fortunatus Holdings Ltd Secure transaction system
GB2423620A (en) * 2005-02-25 2006-08-30 Discount Comp Supplies Ltd Vending machine payment system
US7357310B2 (en) 2005-03-11 2008-04-15 Gerry Calabrese Mobile phone charge card notification and authorization method
US20070125840A1 (en) * 2005-12-06 2007-06-07 Boncle, Inc. Extended electronic wallet management
GB2438651A (en) * 2006-06-02 2007-12-05 Michael Arnold Secure financial transactions
DE102006037167A1 (de) * 2006-08-09 2008-02-14 Deutsche Telekom Ag Verfahren und System zur Durchführung eines Zahlungsvorgangs mit einem Zahlungsmittel
FR2908211B1 (fr) * 2006-11-08 2009-02-20 Paycool Int Ltd Procede et systeme de retrait d'argent a l'aide d'un telephone mobile
EP1921578A1 (fr) * 2006-11-13 2008-05-14 Yellow One Asset Management Ltd. Procédé et système de paiement entre l'acheteur et le vendeur au moyen d'un tiers
NL2001309C2 (nl) * 2008-02-22 2009-08-25 West 6 B V Werkwijze en systeem voor beveiliging van een transactie met een betaalautomaat.
EA016997B1 (ru) * 2008-05-14 2012-09-28 Шин, Елена Ильинична Способ дистанционной аутентификации пользователя в компьютерных сетях для осуществления защищенных транзакций с использованием мобильного телефона
DE102009060946A1 (de) * 2009-12-23 2011-06-30 Doering, Wolfram, 13469 Verfahren zur elektronischen Kommunikation von Bankaufträgen und Kommunikationssystem zur Ausübung des Verfahrens
EP2667343A1 (fr) * 2012-05-24 2013-11-27 Stefano Petta Procédé de gestion d' une autorisation d'une requête de transaction financière

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US5659165A (en) * 1995-07-24 1997-08-19 Citibank. N.A. Customer-directed, automated process for transferring funds between accounts via a communications network
US5613001A (en) * 1996-01-16 1997-03-18 Bakhoum; Ezzat G. Digital signature verification technology for smart credit card and internet applications

Also Published As

Publication number Publication date
HUP9802109A1 (hu) 1999-04-28
HU223427B1 (hu) 2004-06-28
WO1999014711A3 (fr) 1999-06-10
WO1999014711A2 (fr) 1999-03-25
EP1021802A2 (fr) 2000-07-26
AU9362498A (en) 1999-04-05
HU9802109D0 (en) 1998-11-30

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Legal Events

Date Code Title Description
FZDE Discontinued