AT507761A3 - Identität-verifikation eines käufers - Google Patents
Identität-verifikation eines käufers Download PDFInfo
- Publication number
- AT507761A3 AT507761A3 ATA9476/2007A AT94762007A AT507761A3 AT 507761 A3 AT507761 A3 AT 507761A3 AT 94762007 A AT94762007 A AT 94762007A AT 507761 A3 AT507761 A3 AT 507761A3
- Authority
- AT
- Austria
- Prior art keywords
- account
- transactor
- verification
- identity
- details
- Prior art date
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
-
- 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
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
-
- 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
- G06Q20/08—Payment architectures
- G06Q20/20—Point-of-sale [POS] network systems
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F18/00—Pattern recognition
-
- 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
-
- 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
-
- 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
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07G—REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
- G07G1/00—Cash registers
- G07G1/12—Cash registers electronically operated
Abstract
Vorrichtung (11), welche eine finanzielle Transaktion zwischen einem potenziellen Transaktor und einem Empfänger, ermöglicht, verfügt über eine Identitäts- und Kontoverifikationseinrichtung (10) um die Identität der zahlenden Person und ein Konto, welches die zahlende Person bei einer finanziellen Institution unterhält, zu prüfen, wobei die Verifikationseinrichtung von einem unabhängigen Prüfer betrieben wird. Die Identitäts- und Kontoverifikationseinrichtung (10) enthält einen Speicher (20) zum Speichern eines Erkennungszeichens des Transaktors und Einzelheiten von mindestens einer Kontonummer, die der Transaktor bei der finanziellen Institution unterhält. Es wird ein Erkennungszeicheneingabemittel bereitgestellt, wobei der Transaktor sein Erkennungszeichen eingibt, wenn er den Service abonniert. Ein Kontodetailbeschaffungsmittel zur Erhaltung von Konto Einzelheiten des Transaktors bei seiner finanziellen Institution, ein Erkennungszeicheneingabemitttel, wobei die zahlende Person ihr Erkennungszeichen eingibt und ein Kommunikationsmittel zur Kommunikation mit einem unabhängigen Prüfer befinden sich bei dem Empfänger zur Ausstattung des Prüfers mit den Konto-Einzelheiten und dem Erkennungszeichen und zum Erhalt einer Verifikations- Bestätigung oder Ablehnung vom Prüfer, bevor die zahlende Person mit der Person, welche die Zahlung erhält, eine finanzielle Transaktion vornimmt.
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
ZA200609537 | 2006-11-16 | ||
PCT/IB2007/054659 WO2008059458A1 (en) | 2006-11-16 | 2007-11-15 | Verification of a transactor's identity |
Publications (2)
Publication Number | Publication Date |
---|---|
AT507761A2 AT507761A2 (de) | 2010-07-15 |
AT507761A3 true AT507761A3 (de) | 2016-03-15 |
Family
ID=39167696
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
ATA9476/2007A AT507761A3 (de) | 2006-11-16 | 2007-11-15 | Identität-verifikation eines käufers |
Country Status (24)
Country | Link |
---|---|
US (1) | US8768776B2 (de) |
EP (1) | EP2097859A1 (de) |
JP (1) | JP2010510565A (de) |
KR (2) | KR20090103878A (de) |
CN (2) | CN106096936A (de) |
AP (1) | AP2009004898A0 (de) |
AT (1) | AT507761A3 (de) |
AU (1) | AU2007320778B2 (de) |
BR (1) | BRPI0718899A2 (de) |
CA (1) | CA2669789C (de) |
CH (1) | CH698353B1 (de) |
DE (1) | DE112007002763T5 (de) |
ES (2) | ES2403336B1 (de) |
FI (1) | FI20095661L (de) |
GB (1) | GB2457002A (de) |
IL (1) | IL198739A0 (de) |
MA (1) | MA31070B1 (de) |
MX (1) | MX2009005259A (de) |
MY (1) | MY151683A (de) |
NZ (1) | NZ577676A (de) |
RU (1) | RU2479029C2 (de) |
SE (1) | SE0950456L (de) |
WO (1) | WO2008059458A1 (de) |
ZA (1) | ZA200903804B (de) |
Families Citing this family (7)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US20110178927A1 (en) * | 2010-01-19 | 2011-07-21 | Mike Lindelsee | Verification mechanism |
EP2956825B1 (de) * | 2013-03-15 | 2020-06-24 | Apple Inc. | Erleichterte transaktionen mit einem benutzerkonto über eine drahtlose vorrichtung |
CN103150654A (zh) * | 2013-03-18 | 2013-06-12 | 江苏乐买到网络科技有限公司 | 一种电子商务交易系统和方法 |
KR101808733B1 (ko) | 2016-10-24 | 2018-01-19 | 주식회사 올아이티탑 | 남녀 식별구분하여 지문 또는/및 지정맥 인식을 이용한 전자 결제 시스템의 처리 방법 |
CN110494842A (zh) * | 2017-01-27 | 2019-11-22 | 肖恩·哈钦森 | 安全认证和金融属性服务 |
US11847651B2 (en) | 2017-05-23 | 2023-12-19 | Kenneth A Kopf | Systems and methods for facilitating biometric tokenless authentication for services |
CN111680999B (zh) * | 2020-05-28 | 2021-08-03 | 韩永辉 | 一种基于大数据的互联网金融交易系统及方法 |
Citations (2)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US5748765A (en) * | 1992-10-27 | 1998-05-05 | Jasper Consulting, Inc. | Modifying a database using a fingerprint form |
WO2000045320A1 (en) * | 1999-01-29 | 2000-08-03 | Veristar Corporation | Tokenless biometric electronic debit and credit transactions |
Family Cites Families (32)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US5343529A (en) | 1993-09-28 | 1994-08-30 | Milton Goldfine | Transaction authentication using a centrally generated transaction identifier |
US5475756A (en) | 1994-02-17 | 1995-12-12 | At&T Corp. | Method of authenticating a terminal in a transaction execution system |
US5668876A (en) | 1994-06-24 | 1997-09-16 | Telefonaktiebolaget Lm Ericsson | User authentication method and apparatus |
US7152045B2 (en) | 1994-11-28 | 2006-12-19 | Indivos Corporation | Tokenless identification system for authorization of electronic transactions and electronic transmissions |
US5613012A (en) * | 1994-11-28 | 1997-03-18 | Smarttouch, Llc. | Tokenless identification system for authorization of electronic transactions and electronic transmissions |
US6950810B2 (en) | 1994-11-28 | 2005-09-27 | Indivos Corporation | Tokenless biometric electronic financial transactions via a third party identicator |
US6154879A (en) * | 1994-11-28 | 2000-11-28 | Smarttouch, Inc. | Tokenless biometric ATM access system |
US6247000B1 (en) | 1996-08-21 | 2001-06-12 | Crossmar, Inc. | Method and system for confirmation and settlement for financial transactions matching |
US20010053239A1 (en) * | 1997-11-12 | 2001-12-20 | Jasper Consulting, Inc. | Credit card fraud elimination system |
US6243689B1 (en) * | 1998-12-29 | 2001-06-05 | Robert G. Norton | System and method for authorizing electronic funds transfer at a point of sale |
US6587743B1 (en) | 1999-01-29 | 2003-07-01 | B P Microsystems, Inc. | Pick and place teaching method and apparatus for implementing the same |
US7249093B1 (en) * | 1999-09-07 | 2007-07-24 | Rysix Holdings, Llc | Method of and system for making purchases over a computer network |
AU2001266628A1 (en) | 2000-05-31 | 2001-12-11 | Indivos Corporation | Biometric financial transaction system and method |
JP2001351047A (ja) * | 2000-06-09 | 2001-12-21 | Akesesu:Kk | 個人認証方法 |
JP2002007933A (ja) * | 2000-06-23 | 2002-01-11 | Mackport Bio-Security Corp | 情報記憶装置、ショッピングシステム及びショッピング方法 |
EP1312009A4 (de) * | 2000-07-17 | 2007-07-04 | David N Harris | System und verfahren zur verifikation kommerzieller transaktionen |
JP2002063525A (ja) * | 2000-08-22 | 2002-02-28 | Nec Corp | 生体情報による本人確認を利用した製品販売方法 |
AU2001293248A1 (en) | 2000-10-03 | 2002-04-15 | Abraham R. Zingher | Biometric system and method for detecting duress transactions |
US7269737B2 (en) * | 2001-09-21 | 2007-09-11 | Pay By Touch Checking Resources, Inc. | System and method for biometric authorization for financial transactions |
US6676017B1 (en) | 2002-11-06 | 2004-01-13 | Smith, Iii Emmitt J. | Personal interface device and method |
KR20040087690A (ko) * | 2003-04-07 | 2004-10-15 | 주식회사 씨크롭 | 지문정보를 이용한 신용거래 시스템 및 방법 |
RU2246757C1 (ru) * | 2003-06-19 | 2005-02-20 | Иванов Михаил Борисович | Способ проведения безналичных финансовых операций и система для его осуществления |
SE0402087L (sv) | 2004-08-27 | 2006-02-28 | Global Refund Holdings Ab | System för hantering av återbäring av mervärdesskatt |
US7905399B2 (en) * | 2004-11-19 | 2011-03-15 | Barnes Brian T | Linking transaction cards with spending accounts |
US7451481B2 (en) | 2005-04-29 | 2008-11-11 | Merchant Link, Llc | Database system and method for encryption and protection of confidential information |
US7881997B2 (en) * | 2005-04-29 | 2011-02-01 | American Express Travel Related Services Company, Inc. | System and method for quantitative peer travel and expense benchmarking analysis |
WO2006135779A2 (en) * | 2005-06-10 | 2006-12-21 | American Express Travel Related Services Company, Inc. | System and method for mass transit merchant payment |
AU2006315079B2 (en) | 2005-11-18 | 2011-03-24 | Ewise Systems Pty Ltd | A method and apparatus for facilitating a secure transaction |
US7587349B2 (en) * | 2006-02-10 | 2009-09-08 | American Express Travel Related Services Company, Inc. | Method, system, and computer program product for card selector tool |
US7909247B2 (en) * | 2006-10-27 | 2011-03-22 | American Express Travel Related Services Company, Inc. | Wireless transaction medium having combined magnetic stripe and radio frequency communications |
US20080249939A1 (en) | 2007-04-03 | 2008-10-09 | Veenstra John W | Systems and Methods for Using Interactive Devices for Identification, Security, and Authentication |
US8117129B2 (en) * | 2007-12-21 | 2012-02-14 | American Express Travel Related Services Company, Inc. | Systems, methods and computer program products for performing mass transit merchant transactions |
-
2007
- 2007-11-15 AT ATA9476/2007A patent/AT507761A3/de unknown
- 2007-11-15 CA CA2669789A patent/CA2669789C/en not_active Expired - Fee Related
- 2007-11-15 ES ES201231863A patent/ES2403336B1/es not_active Expired - Fee Related
- 2007-11-15 BR BRPI0718899-4A patent/BRPI0718899A2/pt not_active IP Right Cessation
- 2007-11-15 GB GB0910301A patent/GB2457002A/en not_active Withdrawn
- 2007-11-15 RU RU2009122581/08A patent/RU2479029C2/ru not_active IP Right Cessation
- 2007-11-15 MX MX2009005259A patent/MX2009005259A/es active IP Right Grant
- 2007-11-15 DE DE112007002763T patent/DE112007002763T5/de not_active Withdrawn
- 2007-11-15 JP JP2009536854A patent/JP2010510565A/ja active Pending
- 2007-11-15 CH CH00778/09A patent/CH698353B1/de not_active IP Right Cessation
- 2007-11-15 MY MYPI20092016 patent/MY151683A/en unknown
- 2007-11-15 US US12/515,085 patent/US8768776B2/en not_active Expired - Fee Related
- 2007-11-15 ES ES200950025A patent/ES2372833B1/es not_active Expired - Fee Related
- 2007-11-15 NZ NZ577676A patent/NZ577676A/en not_active IP Right Cessation
- 2007-11-15 WO PCT/IB2007/054659 patent/WO2008059458A1/en active Application Filing
- 2007-11-15 KR KR1020097012271A patent/KR20090103878A/ko active Search and Examination
- 2007-11-15 EP EP07849151A patent/EP2097859A1/de not_active Ceased
- 2007-11-15 CN CN201610421285.5A patent/CN106096936A/zh active Pending
- 2007-11-15 KR KR1020167008249A patent/KR20160040731A/ko not_active Application Discontinuation
- 2007-11-15 AU AU2007320778A patent/AU2007320778B2/en not_active Ceased
- 2007-11-15 SE SE0950456A patent/SE0950456L/sv unknown
- 2007-11-15 CN CNA2007800427429A patent/CN101573722A/zh active Pending
-
2009
- 2009-05-14 IL IL198739A patent/IL198739A0/en active IP Right Grant
- 2009-06-01 ZA ZA200903804A patent/ZA200903804B/xx unknown
- 2009-06-12 MA MA31984A patent/MA31070B1/fr unknown
- 2009-06-12 FI FI20095661A patent/FI20095661L/fi not_active Application Discontinuation
- 2009-06-16 AP AP2009004898A patent/AP2009004898A0/xx unknown
Patent Citations (2)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US5748765A (en) * | 1992-10-27 | 1998-05-05 | Jasper Consulting, Inc. | Modifying a database using a fingerprint form |
WO2000045320A1 (en) * | 1999-01-29 | 2000-08-03 | Veristar Corporation | Tokenless biometric electronic debit and credit transactions |
Also Published As
Similar Documents
Publication | Publication Date | Title |
---|---|---|
AT507761A3 (de) | Identität-verifikation eines käufers | |
WO2008153766A3 (en) | Method and system for processing financial transactions using multiple financial accounts | |
Akimova | The use of typological research in the system of internal financial monitoring | |
Hopton | Awareness and Training | |
Dranus et al. | PROSPECT FOR THE INTODUCTION OF BANKING DUE DILIGENCE IN UKRAINE | |
Rorem | Overhead Costs in Public Welfare | |
Mykhailenko | THE USE OF THE TERMS «MINIMUM WAGE» AND «LIVING WAGE FOR ABLE-BODIED PERSONS» IN ORDER TO IDENTIFY THE SIGNS OF OFFENSES IN THE FIELD OF ANTI-CORRUPTION FINANCIAL CONTROL | |
Goldin | Changes in the Normative Base of the Budgetary Process in Russia in August 2015 | |
Mazur | Fraud grows, but new tools help check it | |
Maine | A new weapon against finance workers | |
Smetanov | Economic attractiveness of alternative financial instruments which provide investment projects with cash resources | |
DE102014011853A1 (de) | Verfahren zum Durchführen einer Finanztransaktion | |
Shehovtsova | About the measures of criminal low nature in relation to legal entities | |
Kolyanovskaya | Standard Providing the Property, Plant and Equipment in Budgetary Institutions | |
Campbell | Banks and Bankers in Denton County, Texas, 1846-1940 | |
Preston | Revised rule for employers that hire immigrants | |
Baumann et al. | Effects of Job Search on Union Certification Elections | |
US20160125530A1 (en) | Self liquidating loan for banks | |
Khandelwal | Should India Follow Suit with US in Implementing Stringent Rules in Corporate Governance Act Like Sarbanes–Oxley and Glass–Steagall | |
DE102017002682A1 (de) | Verfahren um ohne Kreditkarten, EC-Karten oder anderen Karten mit zumindest einem Chip oder Magnetstreifen, auf dem zumindest ein Kartendatensatz gespeichert ist, sowie ohne Internet, Intranet, Bluetooth, W-LAN, LAN, TCP/IP oder andere Protokolle, Bargeld an allen ATM (Geldautomaten) auf der Welt, wo GPS und SMS-Empfang möglich ist, in allen Geschäften einkaufen oder Geld abheben zu können | |
Chowdhury | Money laundering and its prevention policy: a case of City Bank limited | |
TN2018000066A1 (fr) | Système de Titres électroniques bancaires ou postal. | |
AT11336U1 (de) | Verfahren zur unbaren abwicklung der mehrwertsteuer | |
Romano | Banks and Banking--Liability of Bank Paying Check on Payer's Forged Indorsement--Fictitious Payee--Negligence of Drawer--Estoppel | |
Devinantz | THE" ROGUE EMPLOYER THESIS" REVISITED: THE FALLACY BEHIND THE CENTER FOR UNION FACTS'" UNION MATH, UNION MYTHS" |