TR2023019421A2

TR2023019421A2 - A SYSTEM THAT ADDRESSES THE CREDIT CARD TO THE PHONE NUMBER

Info

Publication number: TR2023019421A2
Application number: TR2023/019421
Authority: TR
Inventors: Emaneto Lu Burhan; Emaneto Lu Kubra
Original assignee: Turkcell Teknoloji̇ Araştirma Ve Geli̇şti̇rme Anoni̇m Şi̇rketi̇
Filing date: 2023-12-29
Publication date: 2024-02-21

Abstract

Bu buluş, kullanıcıların aktif olarak kullandıkları kredi kartı bilgileri ile hat sahibi oldukları telefon numarasını eşleştirerek, fiziksel bir karta veya kart bilgilerine ihtiyaç duyulmadan kartlı işlem yapılmasına olanak sağlayan bir sistem (1) ile ilgilidir.This invention relates to a system (1) that allows users to make card transactions without the need for a physical card or card information by matching the credit card information they actively use with the phone number they own.

Description

TARIFNAME KREDI KARTINI TELEFON NUMARASINA ADRESLEYEN BIR Teknik Alan Bu bulus, kullanicilarin aktif olarak kullandiklari kredi karti bilgileri ile hat sahibi olduklari telefon numarasini eslestirerek, fiziksel bir karta veya kart bilgilerine ihtiyaç duyulmadan kartli islem yapilmasina olanak saglayan bir sistem ile ilgilidir. Önceki Teknik Günümüzde pek çok finansal islemi gerçeklestirmek ve ödeme yapmak için kredi kartlari kullanilmaktadir. Ülkemizde Bankalararasi Kart Merkezi (BKM) tarafindan belirlenen standartlar dogrultusunda, fiziksel magazalarda POS cihazlari araciligiyla, online alisverislerde, ATM'lerde nakit çekme islemlerinde ve havale/EFT islemlerinde kredi kartlari kullanilmaktadir. POS cihazi ile yapilan kredi karti islemlerinde fiziksel olarak kartin kendisinin kullanilmasinin yani sira online alisverislerde kartin üzerinde yazan bilgiler kullanilmaktadir. Her durumda kullanicinin ihtiyaç aninda fiziksel olarak karta sahip olmasi gerekmektedir. DESCRIPTION A CREDIT CARD ADDRESSING YOUR PHONE NUMBER Technical Field This invention allows users to access line owner data with their actively used credit card information. by matching the phone number they are on, to a physical card or card information. It is about a system that allows card transactions without the need for a card. Prior Art Nowadays, we use credit to carry out many financial transactions and make payments. cards are used. In our country, by the Interbank Card Center (BKM) POS devices in physical stores in line with the determined standards online shopping, cash withdrawals at ATMs and Credit cards are used in money transfer/EFT transactions. Made with POS device In addition to physically using the card itself in credit card transactions, The information on the card is used for online shopping. In every situation The user must physically have the card when needed.

Günümüzde para transferi islemlerini kapsayan bankacilik hizmetlerinde (havale, eft, fast) Kolay Adresleme Sistemi (KOLAS) ile hesap bilgilerini eslestirme islemi oldukça sik kullanilmaktadir. Bu kapsamda kullanicilar Telefon Numaralari, TC Kimlik/Vergi Kimlik/Pasaport Numaralari veya e mail adresleri ile hesap bilgilerini (IBAN-isim Soyisim) eslestirebilmektedirler. Böylece para transferi islemi esnasinda 26 haneli IBAN numarasi girmektense çok daha kolay, kisa ve akilda kalici bilgilerle islemler gerçeklestirilebilmektedir. En sik tercih edilen Kolay Adres seçenegi ise akilda kaliciligi ve ulasilabilirligi açisindan telefon numarasidir. Today, banking services covering money transfer transactions (money transfer, eft, fast) Matching account information with Easy Addressing System (KOLAS) It is used quite frequently. In this context, users Telephone Numbers, TR ID/Tax ID/Passport Numbers or e-mail addresses and account information They can match (IBAN-name and surname). Thus, the money transfer process It is much easier, shorter and more memorable than entering a 26-digit IBAN number during Transactions can be carried out with permanent information. The most preferred Easy The address option is a phone number for memorability and accessibility.

Ayrica kredi kartina fiziksel olarak ihtiyaç duymadan Karekod ile ödeme islemi yapilmasi mümkündür. Mobil ödeme uygulamalari veya bankalarin uygulamalari araciligiyla, ödeme almak isteyen kisinin veya isletmenin ürettigi Karekod telefonun kamerasi ile uygulama üzerinden taratilir. Ardindan taranan karekoda bagli ödeme bilgileri görüntülenir ve islem uygulama üzerinden onaylanarak tamamlanir. Böylece fiziksel olarak kredi kartina ihtiyaç duyulmadan yalnizca uygulama üzerinden kartli islem yapilmis olur ancak bu senaryoda kullanicilarin akilli telefona ve internet erisimine ihtiyaçlari olmaktadir. Teknikte yapilan arastirmalarda var olan uygulamalar arasinda kullanicinin 16 haneli kredi karti numarasi, kartin son kullanma tarihi ve güvenlik kodunun kullanicin 10 haneli telefon numarasi ile eslestirilmesi ile fiziksel veya online olarak kredi kartina ihtiyaç duydugu anda yalnizca 10 haneli telefon numarasi ve telefonuna gelen Tek Kullanimlik Sifre (OTP) ile eslestirmis oldugu kredi karti üzerinden islem yapmasini saglayan bir çalismaya rastlanmamistir. Additionally, payment can be made via QR code without physically needing a credit card. It is possible to do. Mobile payment applications or banks' applications QR code produced by the person or business who wants to receive payment through It is scanned through the application with the phone's camera. Then in the scanned QR code The relevant payment information is displayed and the transaction is confirmed via the application. is completed. Thus, without the need for a physical credit card, you can simply Card transactions can be made through the application, but in this scenario, users They need a smartphone and internet access. made in technology Among the existing applications in the research, the user's 16-digit credit card number, card expiration date and security code are provided to the user in a 10-digit credit card physically or online by matching the phone number When you need it, you only have a 10-digit phone number and a single message coming to your phone. Transaction via credit card paired with One Time Password (OTP) No study has been found that allows it to do this.

Bu sebeple mevcut teknikte bulunan çalismalar ve eksiklikler göz önünde bulunduruldugunda kullanicilarin aktif olarak kullandiklari kredi karti bilgileri ile hat sahibi olduklari telefon numarasini eslestirerek, fiziksel bir karta veya kart bilgilerine ihtiyaç duyulmadan kartli islem yapilmasina olanak saglayan bir sisteme ihtiyaç duyuldugu anlasilmaktadir. For this reason, the studies and deficiencies in the current technique are taken into consideration. with the credit card information that users actively use when stored By matching the phone number they have, the line can be transferred to a physical card or A system that allows card transactions without needing personal information. It is understood that it is needed.

Teknigin bilinen durumunda yer alan TW200941410A sayili Tayvan patent dokümaninda bir finansal hizmet sisteminde dolandiriciligi önlemek için telefon numarasi ve kimlik kodunu kullanma sisteminden bahsedilmektedir. Taiwan patent number TW200941410A, which is in the state of the art document to prevent fraud in a financial services system The system of using the number and identification code is mentioned.

Söz konusu patent dokümanina konu olan bulus, 095143014 sayili Tayvan Patent Basvurusunun yeniden bulusu olan "bir finansal hizmet sisteminde dolandiriciligin önlenmesi için bir telefon numarasi ve bir kimlik kodunun kullanilmasi yöntemi" ile ilgilidir. Mevcut bulusun özelligi su sekildedir: bir hesap sahibi tarafindan bir bankanin yetkilendirme dogrulama veritabanina kaydedilmek ve saklanmak üzere saglanan bir dizi "telefon numarasi ve kimlik kodu" ayrica asagidakilerden biri olarak da saklanabilir: "bir telefon numarasi ve resim", "telefon numarasi ve dinamik görüntü", "telefon numarasi ve parmak izi”, "telefon numarasi ve retina", numarasi ve bir ses sinyali"; bankanin hesap sahibi için her bir finansal hizmeti (sahsen para yatirma/çekme/havale hizmetleri, ATM karti yoluyla ATM para yatirma/çekme/havale hizmetleri, kredi karti hizmetleri veya çevrimiçi kredi karti ödeme hizmetleri dahil) islediginde banka, yalnizca orijinal hesap numarasini, sifreyi ve dinamik sifre kartini bankanin bilgisayar veri tabaniyla kontrol etmekle kalmaz, ayni zamanda bir telefon numarasinin ve kimlik kodunun özel kimlik dogrulama dogrulama verileriyle (”bir” gibi) eslesip eslesmedigini de eszamanli olarak kontrol eder. The invention that is the subject of the patent document in question is Taiwan Patent No. 095143014. The reinvention of his application, “fraud in a financial services system method of using a telephone number and an identification code to prevent It is related to. The feature of the present invention is as follows: an account holder to be recorded and stored in the bank's authorization verification database a set of "phone numbers and identification codes" provided plus one of the following can also be stored as: "a phone number and a picture", "a phone number and dynamic image", "phone number and fingerprint”, "phone number and retina", number and a sound signal"; the bank's ability to provide each financial service for the account holder. (in-person deposit/withdrawal/transfer services, ATM money transfer via ATM card) deposit/withdrawal/transfer services, credit card services or online credit card (including payment services), the bank will only use the original account number, checking the password and dynamic password card with the bank's computer database not only a phone number and an identification code, but also a special identification simultaneously check whether the verification matches the verification data (such as “one”). controls as.

Bulusun Kisa Açiklamasi Bu bulusun amaci, kullanicilarin aktif olarak kullandiklari kredi karti bilgileri ile hat sahibi olduklari telefon numarasini eslestirerek, fiziksel bir karta veya kart bilgilerine ihtiyaç duyulmadan kartli islem yapilmasina olanak saglayan bir sistem gerçeklestirmektir. Brief Description of the Invention The purpose of this invention is to protect users from the credit card information they actively use. By matching the phone number they have, the line can be transferred to a physical card or A system that allows card transactions without needing personal information. is to realize.

Bulusun Ayrintili Açiklamasi Bu bulusun amacina ulasmak için gerçeklestirilen “Kredi Kartini Telefon Numarasina Adresleyen Bir Sistem” ekli sekilde gösterilmis olup, bu sekil; Sekil 1 Bulus konusu sistemin sematik görünüsüdür. Detailed Description of the Invention In order to achieve the purpose of this invention, “Credit Card Phone "A System Addressing the Number" is shown in the figure below; Figure 1 is the schematic view of the system subject to the invention.

Sekilde yer alan parçalar tek tek numaralandirilmis olup, bu numaralarin karsiliklari asagida verilmistir: 1. Sistem 2. Elektronik cihaz 3. Sunucu Kullanicilarin aktif olarak kullandiklari kredi karti bilgileri ile hat sahibi olduklari telefon numarasini eslestirerek, fiziksel bir karta veya kart bilgilerine ihtiyaç duyulmadan kartli islem yapilmasina olanak saglayan bulus konusu sistem (1); -herhangi bir uzak iletisim protokolünü kullanarak veri alisverisi gerçeklestirmek üzere yapilandirilan en az bir elektronik cihaz (2), -herhangi bir uzak iletisim protokolünü kullanarak elektronik cihaz (2) ile iletisim halinde olmak ve kullanicilarin kredi karti bilgileri ile telefon numaralarini eslestirmek, kredi karti ile alisveris durumunda kredi karti bilgileri yerine telefon numarasi ile isleme devam edilmesini saglamak üzere yapilandirilan en az bir sunucu (3) içermektedir. The parts in the figure are numbered one by one, and the corresponding numbers are is given below: 1. System 2. Electronic device 3. Server Users' line ownership is determined by the credit card information they actively use. By matching the phone number, you do not need a physical card or card information. The system of the invention (1), which allows card transactions without being heard; -exchanging data using any remote communication protocol At least one electronic device (2) configured to -communication with the electronic device (2) using any remote communication protocol and users' credit card information and phone numbers In case of shopping with a credit card, your phone number will be sent instead of your credit card information. At least one configured to ensure that the process continues with the number It contains server (3).

Bulus konusu sistemde (1) yer alan elektronik cihaz (2), kullanicinin sesli görüsme yapabilmesini, mesaj alip iletmesini saglayan bir mobil telefon veya üzerinde en azindan bir uygulama yürütebilen akilli telefon seklinde bir cihazdir. The electronic device (2) included in the system (1) of the invention is used to enable the user to make voice calls. A mobile phone or mobile phone that allows users to send and receive messages, It is a smartphone-shaped device that can at least run one application.

Bulus konusu sistemde (1) yer alan sunucu (3) kredi karti sahibi kullanicinin aktif olarak kullandigi kredi kartinin ait oldugu bankanin uygulamasi, web sitesi, çagri merkezi veya subesi üzerinden banka ile iletisime geçmesi ve kredi karti bilgileri ile elektronik cihazina (2) ait telefon numarasini eslestirmek istedigini belirtmesi durumunda banka yetkilisi tarafindan kullanicinin 16 haneli kredi karti numarasi, kartin son ödeme tarihi ve güvenlik kodunu içeren kart bilgileri ile kullanicinin 10 haneli telefon numarasinin eslestirilmesi ile tetiklenerek kredi karti yerine telefon numarasinin girilmesi ile yapilan herhangi bir bankacilik isleminde kullaniciya bir sifre belirlemek üzere yapilandirilmaktadir. Sunucu (3) kullanicinin bankacilik islemini yapmasi için OTP (tek kullanimlik sifre) üretmek ve sifreyi elektronik cihazina (2) kisa mesaj ya da anlik bildirim seklinde göndermek üzere yapilandirilmaktadir. Sunucu (3) kullanicinin sifreyi ATM, POS cihazi ile yapilan islemin bedelinin kullanicinin kredi kartindan tahsil edilmesini saglamak üzere yapilandirilmaktadir. Sunucu (3) online islemlerde ödeme ekraninda yer alan kart bilgilerinin girildigi alanda “Telefon Numaram ile Kartimi Bul” seçenegi ile 10 haneli telefon numarasinin girilmesi ile tetiklenerek kullanicinin elektronik cihazina tek kullanimlik sifre göndermek ve kullanicinin sifre dogrulama ekranina elektronik cihaza (2) gönderilen sifreyi girmesi ile ödeme isleminin gerçeklestirilmesini saglamak üzere yapilandirilmaktadir. The server (3) in the system (1) that is the subject of the invention allows the active access of the credit card holder user. The application, website, call of the bank to which the credit card he uses belongs contacting the bank through its center or branch and providing credit card information indicating that he wants to match the phone number of his electronic device (2) with In this case, the user's 16-digit credit card number by the bank official, card information including the card's due date and security code, and the user's 10 phone instead of credit card, triggered by matching a 1-digit phone number. In any banking transaction made by entering the number, the user will receive a It is configured to determine the password. Server (3) user's banking To perform the transaction, generate OTP (one-time password) and send the password electronically. to send to your device (2) as a text message or instant notification. is being configured. The server (3) sends the user's password to the ATM or POS device. To ensure that the cost of the transaction is collected from the user's credit card is being configured. Server (3) card on the payment screen in online transactions 10 with the "Find My Card with My Phone Number" option in the field where the information is entered. Triggered by entering a one-digit phone number, the user's electronic Sending a one-time password to the device and sending the user to the password verification screen The payment process is completed by entering the password sent to the electronic device (2). It is structured to ensure its realization.

Bulusun sanayiye uygulanmasi Bulus konusu sistem (1) ile iletisimi saglayan akilli ya da normal bir telefon sahibi kullanicinin kredi karti ile yapabilecegi tüm islemleri telefon numarasi ile yapmasi saglanmaktadir. Sunucu (3) telefon numarasi ile bir ödeme islemi gerçeklestirilmek istendiginde kullanicinin elektronik cihazina (2) bir tek kullanimlik sifre gönderir. Application of the invention to industry Owner of a smart or normal phone that enables communication with the system (1) subject to the invention The user must perform all transactions that he/she can do with a credit card using his/her phone number. is provided. Making a payment transaction with the server's (3) phone number It sends a one-time password to the user's electronic device (2) when requested.

Kullanici bu sifreyi ATM,ye, POS cihazina ya da uygulamaya girdiginde otomatik olarak ödeme kartindan tahsil edilir. Böylece kredi kartinin yaninda olmasina gerek olmadan ödeme yapilabilir. Öte yandan kullanilan elektronik cihazin (2) internetinin olmasina ya da akilli bir telefon olmasina gerek bulunmamaktadir. When the user enters this password into the ATM, POS device or application, it is automatically activated. is collected from the payment card. So you don't need to have your credit card with you. Payment can be made without. On the other hand, the electronic device used (2) There is no need to have internet or a smart phone.

Bulus konusu sistem (1) sayesinde kullanicilarin aktif olarak kullandiklari kredi karti bilgileri ile hat sahibi olduklari telefon numarasini eslestirerek, fiziksel bir karta veya kart bilgilerine ihtiyaç duyulmadan kartli islem yapilmasina olanak saglamaktadir. Thanks to the system (1) subject to the invention, the credit users actively use by matching the card information with the phone number they own, a physical Allows card transactions without the need for a card or card information. It provides.

Bu temel kavramlar etrafinda, bulus konusu “Kredi Kartini Telefon Numarasina Adresleyen Bir Sistem (1)” ile ilgili çok çesitli uygulamalarin gelistirilmesi mümkün olup, bulus burada açiklanan örneklerle sinirlandirilamaz, esas olarak istemlerde belirtildigi gibidir. Around these basic concepts, the subject of the invention is “Connecting Credit Card to Phone Number”. Development of a wide variety of applications related to “An Addressing System (1)” is possible, the invention cannot be limited to the examples explained here, mainly as stated in the claims.

Claims

STEMS . It allows users to make card transactions without the need for a physical card or card information by matching the credit card information they actively use with the phone number they have on the line; -containing at least one electronic device (2) configured to exchange data using any remote communication protocol, and -being in communication with the electronic device (2) using any remote communication protocol and matching users' credit card information and phone numbers, credit card A system (1) characterized by at least one server (3) configured to ensure that the transaction is continued with the phone number instead of credit card information in case of shopping with. . A system (1) as in claim 1, characterized by an electronic device (2) that is a mobile phone that allows the user to make voice calls, receive and transmit messages, or a device in the form of a smartphone that can run at least one application on it. . If the user who has a credit card contacts the bank through the application, website, call center or branch of the bank to which the credit card he is actively using belongs and states that he wants to match his credit card information with the phone number of his electronic device (2), the bank official will provide the user with a 16-digit credit card. Request 1 is characterized by a server (3) configured to determine a password for the user in any banking transaction made by entering the phone number instead of the credit card, triggered by matching the card information including the card number, card payment due date and security code with the user's 10-digit phone number. or system (1) as in 2. . A system (1) as in any of the above claims, characterized by the server (3) configured to generate OTP and send the password to the user's electronic device (2) in the form of a text message or instant notification for the user to perform the banking transaction. . A system (1) as in any of the above claims, characterized by a server (3) configured to ensure that the user's password is collected from the user's credit card for the transaction made with the ATM or POS device. . In online transactions, the above claims are characterized by the server (3) configured to send a single-use password to the user's electronic device, triggered by entering the card number in the field where the card information is entered on the payment screen, and to ensure that the payment transaction is carried out by the user entering the password sent to the electronic device (2) on the password verification screen. a system like any other (1).