MA37972A1 - Transactions financières utilisant un numéro d'identification personnel (pin) variable - Google Patents

Transactions financières utilisant un numéro d'identification personnel (pin) variable

Info

Publication number
MA37972A1
MA37972A1 MA37972A MA37972A MA37972A1 MA 37972 A1 MA37972 A1 MA 37972A1 MA 37972 A MA37972 A MA 37972A MA 37972 A MA37972 A MA 37972A MA 37972 A1 MA37972 A1 MA 37972A1
Authority
MA
Morocco
Prior art keywords
pin
biometric identifier
verification
economic
transaction
Prior art date
Application number
MA37972A
Other languages
English (en)
Inventor
Serge Christian Pierre Belamant
Original Assignee
Net1 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 Net1 Ueps Technologies Inc filed Critical Net1 Ueps Technologies Inc
Publication of MA37972A1 publication Critical patent/MA37972A1/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
    • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
    • 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
    • G06Q20/4012—Verifying personal identification numbers [PIN]
    • 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
    • G06Q20/40145—Biometric identity checks
    • 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
    • G07F7/1016—Devices or methods for securing the PIN and other transaction-data, e.g. by encryption
    • 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
    • G07F7/1025—Identification of user by a PIN code

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Measurement Of The Respiration, Hearing Ability, Form, And Blood Characteristics Of Living Organisms (AREA)

Abstract

L'invention concerne un dispositif de facilitation de transaction financière pour faciliter une transaction financière au niveau d'une station de point de vente de type guichet automatique bancaire (atm), par l'intermédiaire d'internet ou pour se connecter à un compte financier, lequel dispositif de facilitation de transaction financière génère un numéro d'identification personnel (pin) en réponse à la fourniture d'un identificateur biométrique correct. Le dispositif a une unité de stockage de données, un dispositif d'entrée pouvant être utilisé par un agent économique pour entrer une requête demandant un pin, un dispositif d'entrée d'identificateur biométrique pour entrer un identificateur biométrique de l'agent économique, une unité de vérification pour vérifier un identificateur biométrique fourni, en utilisation, par l'agent économique, un générateur de pin pour générer un pin si l'identificateur biométrique entré est vérifié, et un dispositif de sortie pour fournir le pin à l'agent économique. L'identificateur biométrique peut être un signal sonore, un signal visuel ou une empreinte digitale. De manière correspondante, une installation de traitement de transaction financière d'une société émettrice de cartes de crédit ou de débit a une unité de réception pour recevoir une requête de transaction à partir d'un agent économique auquel une carte de crédit ou de débit a été délivrée, conjointement avec un pin, une unité de vérification pour vérifier le pin, et une unité d'approbation de transaction pour approuver la transaction si le pin reçu est vérifié. Le pin reçu peut être vérifié à l'aide d'un générateur de pin de vérification pour générer un pin de vérification et d'un comparateur pour comparer le pin de vérification et le pin reçu.
MA37972A 2012-09-04 2013-09-03 Transactions financières utilisant un numéro d'identification personnel (pin) variable MA37972A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US201261696726P 2012-09-04 2012-09-04
PCT/IB2013/058241 WO2014037869A1 (fr) 2012-09-04 2013-09-03 Transactions financières utilisant un numéro d'identification personnel (pin) variable

Publications (1)

Publication Number Publication Date
MA37972A1 true MA37972A1 (fr) 2016-01-29

Family

ID=49354725

Family Applications (1)

Application Number Title Priority Date Filing Date
MA37972A MA37972A1 (fr) 2012-09-04 2013-09-03 Transactions financières utilisant un numéro d'identification personnel (pin) variable

Country Status (24)

Country Link
US (1) US20140074725A1 (fr)
EP (1) EP2893502A1 (fr)
JP (1) JP2015529364A (fr)
KR (1) KR20150084648A (fr)
CN (1) CN104769621A (fr)
AP (1) AP2013007095A0 (fr)
AT (1) AT515400A2 (fr)
AU (1) AU2013311295A1 (fr)
BR (1) BR112015004827A2 (fr)
CA (1) CA2883856A1 (fr)
CH (1) CH708725B1 (fr)
DE (1) DE112013004332T5 (fr)
ES (1) ES2631002B1 (fr)
FI (1) FI20155242A7 (fr)
GB (1) GB2520662A (fr)
IL (1) IL237565A0 (fr)
MA (1) MA37972A1 (fr)
MX (1) MX2015002791A (fr)
PH (1) PH12015500473A1 (fr)
RU (1) RU2015112023A (fr)
SE (1) SE1550401A1 (fr)
SG (1) SG11201501654QA (fr)
WO (1) WO2014037869A1 (fr)
ZA (1) ZA201306611B (fr)

Families Citing this family (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
GB2563599A (en) * 2017-06-19 2018-12-26 Zwipe As Incremental enrolment algorithm
US10861017B2 (en) * 2018-03-29 2020-12-08 Ncr Corporation Biometric index linking and processing
US11334887B2 (en) 2020-01-10 2022-05-17 International Business Machines Corporation Payment card authentication management

Family Cites Families (11)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
DE10022570A1 (de) * 2000-05-09 2001-11-15 Giesecke & Devrient Gmbh Verfahren und System zur Generierung eines Schlüsseldatensatzes
US6831568B1 (en) * 2000-06-30 2004-12-14 Palmone, Inc. Method and apparatus for visual silent alarm indicator
JP2002279326A (ja) * 2001-03-19 2002-09-27 Animo:Kk コンピュータ・システム及び取引申込処理方法
US7155416B2 (en) * 2002-07-03 2006-12-26 Tri-D Systems, Inc. Biometric based authentication system with random generated PIN
JP2007018050A (ja) * 2005-07-05 2007-01-25 Sony Ericsson Mobilecommunications Japan Inc 携帯端末装置、暗証番号認証プログラム、及び暗証番号認証方法
US20080028230A1 (en) * 2006-05-05 2008-01-31 Tri-D Systems, Inc. Biometric authentication proximity card
JP2007304792A (ja) * 2006-05-10 2007-11-22 Hitachi Omron Terminal Solutions Corp 認証システムを構成する処理装置及び認証システム及びその動作方法
US20070291995A1 (en) * 2006-06-09 2007-12-20 Rivera Paul G System, Method, and Apparatus for Preventing Identity Fraud Associated With Payment and Identity Cards
CN101101687B (zh) * 2006-07-05 2010-09-01 山谷科技有限责任公司 用生物特征进行身份认证的方法、设备、服务器和系统
DE102007018604A1 (de) * 2007-04-18 2008-10-23 Rs2 Software Ltd. System, Verfahren und Karte zur Authentisierung und Verifizierung mit einem einmaligen, einzigen PIN, basierend auf der Biometrie
WO2012112921A2 (fr) * 2011-02-18 2012-08-23 Creditregistry Corporation Processus de non-répudiation pour l'approbation des demandes de crédits et la prévention de l'usurpation d'identité

Also Published As

Publication number Publication date
DE112013004332T5 (de) 2015-05-13
RU2015112023A (ru) 2016-10-27
SE1550401A1 (sv) 2015-04-02
CH708725B1 (de) 2017-09-15
ES2631002R1 (es) 2018-02-02
AP2013007095A0 (en) 2013-09-30
CA2883856A1 (fr) 2014-03-13
GB201505851D0 (en) 2015-05-20
GB2520662A (en) 2015-05-27
JP2015529364A (ja) 2015-10-05
PH12015500473A1 (en) 2015-04-20
CN104769621A (zh) 2015-07-08
IL237565A0 (en) 2015-04-30
SG11201501654QA (en) 2015-05-28
EP2893502A1 (fr) 2015-07-15
KR20150084648A (ko) 2015-07-22
ES2631002B1 (es) 2018-11-14
MX2015002791A (es) 2015-12-03
AT515400A2 (de) 2015-08-15
AU2013311295A1 (en) 2015-04-30
FI20155242L (fi) 2015-04-02
WO2014037869A1 (fr) 2014-03-13
FI20155242A7 (fi) 2015-04-02
ZA201306611B (en) 2014-05-28
ES2631002A2 (es) 2017-08-25
US20140074725A1 (en) 2014-03-13
BR112015004827A2 (pt) 2017-07-04

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