GB0919916D0 - Authorisation system and method - Google Patents

Authorisation system and method

Info

Publication number
GB0919916D0
GB0919916D0 GB0919916A GB0919916A GB0919916D0 GB 0919916 D0 GB0919916 D0 GB 0919916D0 GB 0919916 A GB0919916 A GB 0919916A GB 0919916 A GB0919916 A GB 0919916A GB 0919916 D0 GB0919916 D0 GB 0919916D0
Authority
GB
United Kingdom
Prior art keywords
payment
transaction
unique
processing system
user interface
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.)
Withdrawn
Application number
GB0919916A
Other versions
GB2475301A (en
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.)
Secure Electrans Ltd
Original Assignee
Secure Electrans Ltd
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 Secure Electrans Ltd filed Critical Secure Electrans Ltd
Priority to GB0919916A priority Critical patent/GB2475301A/en
Publication of GB0919916D0 publication Critical patent/GB0919916D0/en
Priority to PCT/GB2010/051898 priority patent/WO2011058376A1/en
Publication of GB2475301A publication Critical patent/GB2475301A/en
Withdrawn legal-status Critical Current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
    • 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
    • G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
    • 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
    • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes

Landscapes

  • Business, Economics & Management (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Theoretical Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Cash Registers Or Receiving Machines (AREA)

Abstract

A payment authentication system and processing method are disclosed. The system (10) includes a user interface unit (20) and a payment processing system (30). The payment processing system (30) is associated with a unique payment identifier which preferably is in a valid credit card number format, but is a virtual credit card number rather than an actual credit card number. The unique payment identifier is configured to cause an external system (40), associated with a merchant, processing a first transaction which uses the unique payment identifier to transmit data querying the transaction to the payment processing system (30), the data including or identifying the unique payment identifier. Upon receipt of data querying the transaction, the payment processing system (30) is arranged to communicate with the user interface unit (20) to obtain authorisation for the payment of the transaction. The payment can then be made if authorisation is made. The user interface unit preferably has a card reader, the card being charged via a further transaction which the external system (40) of the merchant is not a party to. The invention allows "card present" transactions to be made by online retailers.
GB0919916A 2009-11-13 2009-11-13 Payment Authentication System and Processing Method Withdrawn GB2475301A (en)

Priority Applications (2)

Application Number Priority Date Filing Date Title
GB0919916A GB2475301A (en) 2009-11-13 2009-11-13 Payment Authentication System and Processing Method
PCT/GB2010/051898 WO2011058376A1 (en) 2009-11-13 2010-11-15 Payment authentication system and processing method

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
GB0919916A GB2475301A (en) 2009-11-13 2009-11-13 Payment Authentication System and Processing Method

Publications (2)

Publication Number Publication Date
GB0919916D0 true GB0919916D0 (en) 2009-12-30
GB2475301A GB2475301A (en) 2011-05-18

Family

ID=41509347

Family Applications (1)

Application Number Title Priority Date Filing Date
GB0919916A Withdrawn GB2475301A (en) 2009-11-13 2009-11-13 Payment Authentication System and Processing Method

Country Status (2)

Country Link
GB (1) GB2475301A (en)
WO (1) WO2011058376A1 (en)

Families Citing this family (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN103927820B (en) * 2013-01-11 2016-08-10 纳米新能源（唐山）有限责任公司 Fare payment system based on smart card and fee payment method
GB2550194A (en) * 2016-05-12 2017-11-15 Green Energy Options Ltd In-home display for a smart metering system
US11115392B1 (en) * 2018-03-07 2021-09-07 Turbo Business Suite LLC Consumer-authorized controlled distribution of trusted source data
US12026457B2 (en) * 2022-11-07 2024-07-02 Microsoft Technology Licensing, Llc Utilizing dynamic interface elements to improve user interfaces

Family Cites Families (11)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5708422A (en) * 1995-05-31 1998-01-13 At&T Transaction authorization and alert system
EP1028401A3 (en) * 1999-02-12 2003-06-25 Citibank, N.A. Method and system for performing a bankcard transaction
GB9929291D0 (en) * 1999-12-11 2000-02-02 Connectotel Limited Strong authentication method using a telecommunications device
US20010029485A1 (en) * 2000-02-29 2001-10-11 E-Scoring, Inc. Systems and methods enabling anonymous credit transactions
GB2364420B (en) * 2000-05-22 2002-11-20 Secure Electrans Ltd A prepayment utility metering system
US7292996B2 (en) * 2000-10-06 2007-11-06 Openwave Systems Inc. Method and apparatus for performing a credit based transaction between a user of a wireless communications device and a provider of a product or service
US20030195842A1 (en) * 2002-04-15 2003-10-16 Kenneth Reece Method and device for making secure transactions
GB2398159A (en) * 2003-01-16 2004-08-11 David Glyn Williams Electronic payment authorisation using a mobile communications device
US20050250538A1 (en) * 2004-05-07 2005-11-10 July Systems, Inc. Method and system for making card-based payments using mobile devices
US8396747B2 (en) * 2005-10-07 2013-03-12 Kemesa Inc. Identity theft and fraud protection system and method
GB2438651A (en) * 2006-06-02 2007-12-05 Michael Arnold Secure financial transactions

Also Published As

Publication number Publication date
WO2011058376A1 (en) 2011-05-19
GB2475301A (en) 2011-05-18

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Legal Events

Date Code Title Description
WAP Application withdrawn, taken to be withdrawn or refused ** after publication under section 16(1)