CA2460886A1 - Procede de paiement sans carte - Google Patents

Procede de paiement sans carte Download PDF

Info

Publication number
CA2460886A1
CA2460886A1 CA002460886A CA2460886A CA2460886A1 CA 2460886 A1 CA2460886 A1 CA 2460886A1 CA 002460886 A CA002460886 A CA 002460886A CA 2460886 A CA2460886 A CA 2460886A CA 2460886 A1 CA2460886 A1 CA 2460886A1
Authority
CA
Canada
Prior art keywords
account
personal identification
holder
entry
transaction
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.)
Abandoned
Application number
CA002460886A
Other languages
English (en)
Inventor
William Frederick Mann Iii
Jeffrey L. Hirka
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.)
JPMorgan Chase Bank NA
Original Assignee
Individual
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
Priority claimed from US09/957,505 external-priority patent/US7099850B1/en
Priority claimed from US09/956,997 external-priority patent/US7103576B2/en
Application filed by Individual filed Critical Individual
Publication of CA2460886A1 publication Critical patent/CA2460886A1/fr
Abandoned legal-status Critical Current

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
    • G06Q20/04—Payment circuits
    • 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
    • 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
    • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes

Landscapes

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

Abstract

L'invention concerne un procédé et un système permettant d'utiliser un pseudonyme choisi et une entrée d'identification personnelle (PIE) choisie conjointement avec une carte de transaction, telle qu'une carte de crédit, une carte de débit ou une carte à valeur accumulée, par exemple. Un numéro ou un autre paramètre d'identification approprié est choisi par le titulaire du compte en tant que pseudonyme. Le titulaire du compte est ensuite invité à choisir une entrée d'identification personnelle pour des besoins de sécurité. Ce pseudonyme est lié au numéro de carte de crédit du titulaire du compte via une base de données. Lorsque le titulaire du compteur effectue une transaction avec un commerçant, la carte physique n'est pas nécessaire. Le titulaire du compte donne simplement son pseudonyme, puis son entrée d'identification personnelle. Ce mode de réalisation peut être mis en oeuvre à n'importe quel point de vente, en boutique, lors d'une vente par correspondance ou sur Internet. Le pseudonyme et l'entrée d'identification personnelle sont entrés, puis l'autorisation est renvoyée par la société émettrice de carte de crédit.
CA002460886A 2001-09-21 2002-09-20 Procede de paiement sans carte Abandoned CA2460886A1 (fr)

Applications Claiming Priority (5)

Application Number Priority Date Filing Date Title
US09/957,505 US7099850B1 (en) 2001-09-21 2001-09-21 Methods for providing cardless payment
US09/956,997 2001-09-21
US09/956,997 US7103576B2 (en) 2001-09-21 2001-09-21 System for providing cardless payment
US09/957,505 2001-09-21
PCT/US2002/029649 WO2003027798A2 (fr) 2001-09-21 2002-09-20 Procede de paiement sans carte

Publications (1)

Publication Number Publication Date
CA2460886A1 true CA2460886A1 (fr) 2003-04-03

Family

ID=27130383

Family Applications (1)

Application Number Title Priority Date Filing Date
CA002460886A Abandoned CA2460886A1 (fr) 2001-09-21 2002-09-20 Procede de paiement sans carte

Country Status (4)

Country Link
EP (1) EP1440400A4 (fr)
AU (1) AU2002341707A1 (fr)
CA (1) CA2460886A1 (fr)
WO (1) WO2003027798A2 (fr)

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US10296874B1 (en) * 2007-12-17 2019-05-21 American Express Travel Related Services Company, Inc. System and method for preventing unauthorized access to financial accounts

Families Citing this family (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2007050005A1 (fr) * 2005-10-25 2007-05-03 Udo Hinz Substitut de carte de credit
US8577804B1 (en) 2008-02-20 2013-11-05 Collective Dynamics LLC Method and system for securing payment transactions
WO2013122912A1 (fr) * 2012-02-15 2013-08-22 Cardinalcommerce Corporation Plateforme d'authentification pour des émetteurs de débit à numéro d'identification personnel (pin)

Family Cites Families (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP0581421B1 (fr) * 1992-07-20 2003-01-15 Compaq Computer Corporation Méthode et système pour détection d'alias basée sur un certificat
US5961593A (en) * 1997-01-22 1999-10-05 Lucent Technologies, Inc. System and method for providing anonymous personalized browsing by a proxy system in a network
EP0917119A3 (fr) * 1997-11-12 2001-01-10 Citicorp Development Center, Inc. Portemonnaie électronique réparti basé sur un reseau
US6327578B1 (en) * 1998-12-29 2001-12-04 International Business Machines Corporation Four-party credit/debit payment protocol
US6227447B1 (en) * 1999-05-10 2001-05-08 First Usa Bank, Na Cardless payment system
WO2001035355A1 (fr) * 1999-11-09 2001-05-17 First Data Resources Systemes et procedes permettant d'effectuer des operations de paiement anonymes
WO2001043084A2 (fr) * 1999-12-06 2001-06-14 Pielemeier Ted A Procede de masquage de l'identite d'un client au cours d'une operation sur carte de credit

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US10296874B1 (en) * 2007-12-17 2019-05-21 American Express Travel Related Services Company, Inc. System and method for preventing unauthorized access to financial accounts

Also Published As

Publication number Publication date
AU2002341707A1 (en) 2003-04-07
WO2003027798A3 (fr) 2003-10-30
EP1440400A2 (fr) 2004-07-28
WO2003027798A2 (fr) 2003-04-03
EP1440400A4 (fr) 2004-11-10

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CA2460886A1 (fr) Procede de paiement sans carte

Legal Events

Date Code Title Description
EEER Examination request
FZDE Discontinued

Effective date: 20170920