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WO2003012703A3 - Procede de securisation de transactions - Google Patents

Procede de securisation de transactions Download PDF

Info

Publication number
WO2003012703A3
WO2003012703A3 PCT/FR2002/002671 FR0202671W WO03012703A3 WO 2003012703 A3 WO2003012703 A3 WO 2003012703A3 FR 0202671 W FR0202671 W FR 0202671W WO 03012703 A3 WO03012703 A3 WO 03012703A3
Authority
WO
WIPO (PCT)
Prior art keywords
transaction
medium
authorisation
bearer
sending
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.)
Ceased
Application number
PCT/FR2002/002671
Other languages
English (en)
Other versions
WO2003012703A2 (fr
Inventor
Yves Eonnet
Evrard Guelton
Vincent Rigal
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.)
Smart Design
Original Assignee
Smart Design
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 Smart Design filed Critical Smart Design
Priority to AU2002341013A priority Critical patent/AU2002341013A1/en
Publication of WO2003012703A2 publication Critical patent/WO2003012703A2/fr
Publication of WO2003012703A3 publication Critical patent/WO2003012703A3/fr
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

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
    • G06Q20/04—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
    • G06Q20/38—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
    • G06Q20/40—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
    • 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
    • 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
    • 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

Landscapes

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

Abstract

Procédé de sécurisation de transactions effectuées au moyen de supports tels que des cartes bancaires et analogues, ce procédé consistant à faire envoyer par un marchand une demande d'autorisation ou de paiement à un serveur, cette demande comportant des informations relatives à la transaction et aux modalités de lecture d'informations sur le support utilisé, le procédé consistant également : à associer à chaque support un moyen de communication avec le titulaire du support, à utiliser les informations incluses dans la demande d'autorisation ou de paiement pour determiner les transactions a risque, et à envoyer au titulaire un message lui signalant une transaction à risque, apres autorisation de la transaction par la banque.
PCT/FR2002/002671 2001-07-27 2002-07-25 Procede de securisation de transactions Ceased WO2003012703A2 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU2002341013A AU2002341013A1 (en) 2001-07-27 2002-07-25 Method for making transactions secure

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
FR01/10138 2001-07-27
FR0110138A FR2827982B1 (fr) 2001-07-27 2001-07-27 Procede de securisation de transactions

Publications (2)

Publication Number Publication Date
WO2003012703A2 WO2003012703A2 (fr) 2003-02-13
WO2003012703A3 true WO2003012703A3 (fr) 2003-11-20

Family

ID=8866041

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/FR2002/002671 Ceased WO2003012703A2 (fr) 2001-07-27 2002-07-25 Procede de securisation de transactions

Country Status (3)

Country Link
AU (1) AU2002341013A1 (fr)
FR (1) FR2827982B1 (fr)
WO (1) WO2003012703A2 (fr)

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP0745961A2 (fr) * 1995-05-31 1996-12-04 AT&T IPM Corp. Système d'autorisation et d'alarme pour transactions
WO1998006214A1 (fr) * 1996-08-08 1998-02-12 Raymond Anthony Joao Appareil et procede de protection, autorisation et/ou notification pour dispositif de communication sans fil et/ou de transaction financiere
WO1999014711A2 (fr) * 1997-09-17 1999-03-25 Andrasev Akos 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
WO1999049424A1 (fr) * 1998-03-25 1999-09-30 Orbis Patents Limited Systeme et procede de carte de credit

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP0745961A2 (fr) * 1995-05-31 1996-12-04 AT&T IPM Corp. Système d'autorisation et d'alarme pour transactions
WO1998006214A1 (fr) * 1996-08-08 1998-02-12 Raymond Anthony Joao Appareil et procede de protection, autorisation et/ou notification pour dispositif de communication sans fil et/ou de transaction financiere
WO1999014711A2 (fr) * 1997-09-17 1999-03-25 Andrasev Akos 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
WO1999049424A1 (fr) * 1998-03-25 1999-09-30 Orbis Patents Limited Systeme et procede de carte de credit

Also Published As

Publication number Publication date
AU2002341013A1 (en) 2003-02-17
WO2003012703A2 (fr) 2003-02-13
FR2827982A1 (fr) 2003-01-31
FR2827982B1 (fr) 2005-02-18

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