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WO2003036576A3 - Method and system of additional securing of payment card payments - Google Patents

Method and system of additional securing of payment card payments Download PDF

Info

Publication number
WO2003036576A3
WO2003036576A3 PCT/PL2002/000075 PL0200075W WO03036576A3 WO 2003036576 A3 WO2003036576 A3 WO 2003036576A3 PL 0200075 W PL0200075 W PL 0200075W WO 03036576 A3 WO03036576 A3 WO 03036576A3
Authority
WO
WIPO (PCT)
Prior art keywords
terminal
payment
card
interface
information
Prior art date
Application number
PCT/PL2002/000075
Other languages
French (fr)
Other versions
WO2003036576B1 (en
WO2003036576A2 (en
Inventor
Wojciech Wojciechowski
Original Assignee
Wojciech Wojciechowski
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 Wojciech Wojciechowski filed Critical Wojciech Wojciechowski
Priority to EP02783868A priority Critical patent/EP1454305A2/en
Priority to AU2002347691A priority patent/AU2002347691A1/en
Publication of WO2003036576A2 publication Critical patent/WO2003036576A2/en
Publication of WO2003036576A3 publication Critical patent/WO2003036576A3/en
Publication of WO2003036576B1 publication Critical patent/WO2003036576B1/en

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
    • G06Q20/42—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
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • 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
    • G06Q20/38—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
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • 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
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07C—TIME OR ATTENDANCE REGISTERS; REGISTERING OR INDICATING THE WORKING OF MACHINES; GENERATING RANDOM NUMBERS; VOTING OR LOTTERY APPARATUS; ARRANGEMENTS, SYSTEMS OR APPARATUS FOR CHECKING NOT PROVIDED FOR ELSEWHERE
    • G07C9/00—Individual registration on entry or exit
    • G07C9/20—Individual registration on entry or exit involving the use of a pass
    • G07C9/27—Individual registration on entry or exit involving the use of a pass with central registration

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)
  • Computer Networks & Wireless Communication (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

In the system a payment card can be assigned a communication terminal which provides for connection with the user and which can be remotely located. Before the payment is made, at least one additional authorization question can be formulated and sent to the communication terminal and the decision on transaction processing is made based on the answer provided by the user of the terminal. It can be checked whether the current geographical location of the communication terminal is close enough to the geographical position of payment terminal, or whether it is feasible that the card holder can move from the previous payment terminal to the current one. In its basic version, the system contains an information database about the cards (5) modifiable via a modification interface (8) by the system of card information management, authorization interface (11) for communication with the card authorization center, telecommunications interface (9) providing connections with terminals and a control and calculation module (2). The system can also contain information database about the transactions made with cards (6), interface (10) working as an intermediary in providing information on available payment terminals and their geographical position, location module (14) providing the system with the information on terminal locations and calculation module (3) calculating the time-spatial distance of the current transaction from the previous transaction made with the same card via payment terminal or the spatial distance between the payment terminal in which the
PCT/PL2002/000075 2001-10-20 2002-10-21 Method and system of additional securing of payment card payments WO2003036576A2 (en)

Priority Applications (2)

Application Number Priority Date Filing Date Title
EP02783868A EP1454305A2 (en) 2001-10-20 2002-10-21 Method and system of additional securing of payment card payments
AU2002347691A AU2002347691A1 (en) 2001-10-20 2002-10-21 Method and system of additional securing of payment card payments

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
PLP.350218 2001-10-20
PL01350218A PL350218A1 (en) 2001-10-20 2001-10-20 Method of and system for providing extra security of payments effected by means of cheque cards

Publications (3)

Publication Number Publication Date
WO2003036576A2 WO2003036576A2 (en) 2003-05-01
WO2003036576A3 true WO2003036576A3 (en) 2003-11-27
WO2003036576B1 WO2003036576B1 (en) 2004-03-25

Family

ID=20079557

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/PL2002/000075 WO2003036576A2 (en) 2001-10-20 2002-10-21 Method and system of additional securing of payment card payments

Country Status (5)

Country Link
EP (1) EP1454305A2 (en)
AU (1) AU2002347691A1 (en)
PL (1) PL350218A1 (en)
RU (1) RU2004115391A (en)
WO (1) WO2003036576A2 (en)

Families Citing this family (12)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6928547B2 (en) 1998-07-06 2005-08-09 Saflink Corporation System and method for authenticating users in a computer network
GB2402792A (en) * 2003-06-11 2004-12-15 Sanjay Hora Verifying identity and authorising transactions
IL160107A0 (en) * 2004-01-28 2004-06-20 Aron Matalon Method and system for authenticating credit transactions
US20050165684A1 (en) * 2004-01-28 2005-07-28 Saflink Corporation Electronic transaction verification system
US7497374B2 (en) * 2004-09-17 2009-03-03 Digital Envoy, Inc. Fraud risk advisor
DE102005021129A1 (en) 2005-05-06 2006-11-09 Robert Bosch Gmbh Data e.g. bank transaction data, transmitting method, involves connecting data source to locating unit, and assigning useful data in supplementary data, where supplementary data is transmitted to sink together with useful data
JP4752554B2 (en) 2006-03-15 2011-08-17 オムロン株式会社 User device, authentication system, authentication method, authentication program, and recording medium
DE102009060946A1 (en) * 2009-12-23 2011-06-30 Doering, Wolfram, 13469 Method for electronic communication of banking orders and communication system for carrying out the method
GB2511112A (en) * 2013-02-25 2014-08-27 Licentia Group Ltd Authentication method & system
KR102553318B1 (en) * 2016-01-19 2023-07-10 삼성전자주식회사 Device for Performing Transaction and Method Thereof
US20170330165A1 (en) * 2016-05-10 2017-11-16 Danal Inc. Methods and systems for identity verification at self-service machines
FR3076037A1 (en) * 2017-12-22 2019-06-28 Orange METHOD FOR OBTAINING COMPLEMENTARY INFORMATION ASSOCIATED WITH A CHARACTERISTIC OF A BANK TRANSACTION

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP0601659A1 (en) * 1992-12-07 1994-06-15 Koninklijke KPN N.V. Method for protecting a smart card system
US5335265A (en) * 1991-11-08 1994-08-02 Electronic Data Systems Corporation Apparatus for detecting and preventing subscriber number cloning in a cellular mobile telephone system
WO1996041488A1 (en) * 1995-06-07 1996-12-19 The Dice Company Fraud detection system for electronic networks using geographical location coordinates
US6097938A (en) * 1997-07-11 2000-08-01 Northern Telecom Limited Authentication and tracking system for a cellular telephone

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5335265A (en) * 1991-11-08 1994-08-02 Electronic Data Systems Corporation Apparatus for detecting and preventing subscriber number cloning in a cellular mobile telephone system
EP0601659A1 (en) * 1992-12-07 1994-06-15 Koninklijke KPN N.V. Method for protecting a smart card system
WO1996041488A1 (en) * 1995-06-07 1996-12-19 The Dice Company Fraud detection system for electronic networks using geographical location coordinates
US6097938A (en) * 1997-07-11 2000-08-01 Northern Telecom Limited Authentication and tracking system for a cellular telephone

Also Published As

Publication number Publication date
WO2003036576B1 (en) 2004-03-25
RU2004115391A (en) 2005-06-10
EP1454305A2 (en) 2004-09-08
AU2002347691A1 (en) 2003-05-06
WO2003036576A2 (en) 2003-05-01
PL350218A1 (en) 2003-04-22

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