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WO2003063037A1 - Procede et systeme de verification de souscriptions - Google Patents

Procede et systeme de verification de souscriptions Download PDF

Info

Publication number
WO2003063037A1
WO2003063037A1 PCT/SE2002/002425 SE0202425W WO03063037A1 WO 2003063037 A1 WO2003063037 A1 WO 2003063037A1 SE 0202425 W SE0202425 W SE 0202425W WO 03063037 A1 WO03063037 A1 WO 03063037A1
Authority
WO
WIPO (PCT)
Prior art keywords
account
transaction
unit
account holder
payment system
Prior art date
Application number
PCT/SE2002/002425
Other languages
English (en)
Inventor
Henrik Groth
Peter Carlsson
Original Assignee
Telia Ab (Pub)
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 Telia Ab (Pub) filed Critical Telia Ab (Pub)
Publication of WO2003063037A1 publication Critical patent/WO2003063037A1/fr

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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; CALCULATING OR 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
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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; CALCULATING OR 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; CALCULATING OR 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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions

Definitions

  • US 6,012,144 shows a procedure for secure payment, according to which a verification request is transmitted over another communication channel than the transaction, for instance when a transaction is executed over the Internet and the verification is executed over the common/ordinary telecommunication network.
  • a payment system to verify transaction, when an account subscription is used consists of: At least one unit for account subscription, at least one verification unit, one unit for an account holder to verify the transaction, at least one mobile unit, one unit for position indication, and at least one unit for storing of position.
  • Another advantage is that the frauds can be reduced in connection with account payments.

Landscapes

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

Abstract

L'invention concerne un système de paiement (100) destiné à vérifier une transaction lorsqu'une souscription de compte est utilisée. Ce système de paiement comprend: une unité de souscription de compte (102), une unité de vérification (104), et une unité permettant à un titulaire de compte de vérifier la transaction (106). L'invention concerne également un procédé de vérification de transaction (300), dans lequel le titulaire de compte connecte/associe (308) une souscription de compte au système de paiement, de sorte qu'un certain type de vérification peut être réalisé lors d'une transaction avec une certaine souscription de compte. Un premier signal (302) est ensuite transmis au système de paiement, ce signal indiquant qu'une transaction avec la souscription de compte a commencé. L'étape suivante est une étape d'authentification (304) mise en oeuvre par le contrôle/commande de la transaction effectuée. Au cours de cette étape d'authentification, l'unité de vérification envoie/transmet une requête/information (310) au titulaire de compte concernant la manière dont ledit titulaire veut réaliser son authentification. Un signal final (306) est enfin envoyé/transmis au système de paiement, ce signal indiquant que la transaction avec la souscription de compte est terminée.
PCT/SE2002/002425 2002-01-17 2002-12-20 Procede et systeme de verification de souscriptions WO2003063037A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
SE0200151A SE0200151L (sv) 2002-01-17 2002-01-17 Förfarande och system för att verifiera transaktioner
SE0200151-9 2002-01-17

Publications (1)

Publication Number Publication Date
WO2003063037A1 true WO2003063037A1 (fr) 2003-07-31

Family

ID=20286709

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/SE2002/002425 WO2003063037A1 (fr) 2002-01-17 2002-12-20 Procede et systeme de verification de souscriptions

Country Status (2)

Country Link
SE (1) SE0200151L (fr)
WO (1) WO2003063037A1 (fr)

Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
GB2469025A (en) * 2009-03-30 2010-10-06 X122 Company Verification of a payment card transaction
EP2287792A1 (fr) * 2009-08-19 2011-02-23 MasterCard International Incorporated Contrôles de localisation pour transactions par carte de paiement
WO2011076438A1 (fr) * 2009-12-23 2011-06-30 Wolfram Doering Procédé de communication électronique d'ordres de banque, et système de communication pour la mise en oeuvre de ce procédé
US11620628B2 (en) 2015-06-30 2023-04-04 Mastercard International Incorporated Method and system for fraud control based on geolocation

Citations (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN1121676A (zh) * 1994-03-29 1996-05-01 星光传呼(通讯设备)厂有限公司 非现金即时付款的防盗保全的方法和设备系统
US5615110A (en) * 1994-05-19 1997-03-25 Wong; Kam-Fu Security system for non-cash transactions
US5708422A (en) * 1995-05-31 1998-01-13 At&T Transaction authorization and alert system
EP0848360A1 (fr) * 1996-12-11 1998-06-17 BRITISH TELECOMMUNICATIONS public limited company Système d'authentification de transferts de fonds électroniques
WO2001052205A1 (fr) * 2000-01-12 2001-07-19 Seaglade Developments Limited Procede et dispositif de traitement
JP2001250063A (ja) * 2001-03-21 2001-09-14 Yasuda Kinzoku Kogyo Kk 決済確認情報を送信する電子決済サーバ
US20010034707A1 (en) * 2000-04-25 2001-10-25 Nec Corporation Card utilization approval method, card settlement system and card authentication and settlement processing device
KR20010110280A (ko) * 2001-11-21 2001-12-12 임춘환 이동통신단말기의 위치 정보를 이용한 신용카드 및온-라인 금융거래 방법

Patent Citations (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN1121676A (zh) * 1994-03-29 1996-05-01 星光传呼(通讯设备)厂有限公司 非现金即时付款的防盗保全的方法和设备系统
US5615110A (en) * 1994-05-19 1997-03-25 Wong; Kam-Fu Security system for non-cash transactions
US5708422A (en) * 1995-05-31 1998-01-13 At&T Transaction authorization and alert system
EP0848360A1 (fr) * 1996-12-11 1998-06-17 BRITISH TELECOMMUNICATIONS public limited company Système d'authentification de transferts de fonds électroniques
WO2001052205A1 (fr) * 2000-01-12 2001-07-19 Seaglade Developments Limited Procede et dispositif de traitement
US20010034707A1 (en) * 2000-04-25 2001-10-25 Nec Corporation Card utilization approval method, card settlement system and card authentication and settlement processing device
JP2001250063A (ja) * 2001-03-21 2001-09-14 Yasuda Kinzoku Kogyo Kk 決済確認情報を送信する電子決済サーバ
KR20010110280A (ko) * 2001-11-21 2001-12-12 임춘환 이동통신단말기의 위치 정보를 이용한 신용카드 및온-라인 금융거래 방법

Non-Patent Citations (3)

* Cited by examiner, † Cited by third party
Title
DATABASE WPI Week 199745, Derwent World Patents Index; Class H04, AN 1997-481397, XP002959026 *
DATABASE WPI Week 200172, Derwent World Patents Index; Class G06, AN 2001-622045, XP002959025 *
DATABASE WPI Week 200239, Derwent World Patents Index; Class G06, AN 2002-359782, XP002959024 *

Cited By (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
GB2469025A (en) * 2009-03-30 2010-10-06 X122 Company Verification of a payment card transaction
EP2287792A1 (fr) * 2009-08-19 2011-02-23 MasterCard International Incorporated Contrôles de localisation pour transactions par carte de paiement
US10204333B2 (en) 2009-08-19 2019-02-12 Mastercard International Incorporated Location controls on payment card transactions
WO2011076438A1 (fr) * 2009-12-23 2011-06-30 Wolfram Doering Procédé de communication électronique d'ordres de banque, et système de communication pour la mise en oeuvre de ce procédé
US11620628B2 (en) 2015-06-30 2023-04-04 Mastercard International Incorporated Method and system for fraud control based on geolocation

Also Published As

Publication number Publication date
SE0200151L (sv) 2003-07-18
SE0200151D0 (sv) 2002-01-17

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