ES2403336R1 - Verificación de la identidad de una persona que realiza una transacción - Google Patents
Verificación de la identidad de una persona que realiza una transacciónInfo
- Publication number
- ES2403336R1 ES2403336R1 ES201231863A ES201231863A ES2403336R1 ES 2403336 R1 ES2403336 R1 ES 2403336R1 ES 201231863 A ES201231863 A ES 201231863A ES 201231863 A ES201231863 A ES 201231863A ES 2403336 R1 ES2403336 R1 ES 2403336R1
- Authority
- ES
- Spain
- Prior art keywords
- transaction
- person
- account
- identity
- biometric identifier
- 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.)
- Granted
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
- G06Q20/08—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
- G06Q20/40—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
- 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
- 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
- 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
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Engineering & Computer Science (AREA)
- General Physics & Mathematics (AREA)
- Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Finance (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- Computer Security & Cryptography (AREA)
- Economics (AREA)
- Marketing (AREA)
- Development Economics (AREA)
- Evolutionary Biology (AREA)
- Evolutionary Computation (AREA)
- Bioinformatics & Cheminformatics (AREA)
- Bioinformatics & Computational Biology (AREA)
- Computer Vision & Pattern Recognition (AREA)
- Data Mining & Analysis (AREA)
- Life Sciences & Earth Sciences (AREA)
- Artificial Intelligence (AREA)
- General Engineering & Computer Science (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Computer Networks & Wireless Communication (AREA)
- Measurement Of The Respiration, Hearing Ability, Form, And Blood Characteristics Of Living Organisms (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Collating Specific Patterns (AREA)
Abstract
Sistema para facilitar una transacción financiera entre una potencial persona que realiza una transacción y un receptor de la misma, que comprende un servicio de verificación de identidad y cuenta para verificar la identidad de la potencial persona que realizará la transacción y una cuenta que tiene dicha persona en una entidad financiera, siendo activada la instalación de por un verificador independiente. El servicio que verifica la identidad y cuenta incluye unos medios de almacenamiento para almacenar un identificador biométrico de una potencial persona que realiza la transacción y el detalle de por lo menos una cuenta de la cual es el titular dicha persona en la entidad financiera. Se proporcionan unos medios de entrada del identificador biométrico en los que la persona que realiza la transacción introduce su identificador biométrico cuando se suscribe al servicio. Unos medios de obtención de detalles de cuenta para obtener los datos de la cuenta de la persona que realiza la transacción en la entidad financiera, unos medios de entrada del identificador biométrico en los que la persona introduce su identificador biométrico, y unos medios de comunicación para comunicarse con el verificador independiente, se encuentran dispuestos en el receptor de la transacción, para proporcionar detalles de la cuenta y el identificador para el verificador, y para recibir la confirmación de verificación o rechazo del verificador, antes de que se realice la transacción financiera.
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
ZA200609537 | 2006-11-16 | ||
ZA2006/09537 | 2006-11-16 |
Publications (3)
Publication Number | Publication Date |
---|---|
ES2403336A2 ES2403336A2 (es) | 2013-05-17 |
ES2403336R1 true ES2403336R1 (es) | 2014-01-07 |
ES2403336B1 ES2403336B1 (es) | 2014-08-27 |
Family
ID=39167696
Family Applications (2)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
ES200950025A Expired - Fee Related ES2372833B1 (es) | 2006-11-16 | 2007-11-15 | Verificación de la identidad de una persona que realiza una transacción. |
ES201231863A Expired - Fee Related ES2403336B1 (es) | 2006-11-16 | 2007-11-15 | Verificación de la identidad de una persona que realiza una transacción |
Family Applications Before (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
ES200950025A Expired - Fee Related ES2372833B1 (es) | 2006-11-16 | 2007-11-15 | Verificación de la identidad de una persona que realiza una transacción. |
Country Status (24)
Country | Link |
---|---|
US (1) | US8768776B2 (es) |
EP (1) | EP2097859A1 (es) |
JP (1) | JP2010510565A (es) |
KR (2) | KR20090103878A (es) |
CN (2) | CN101573722A (es) |
AP (1) | AP2009004898A0 (es) |
AT (1) | AT507761A3 (es) |
AU (1) | AU2007320778B2 (es) |
BR (1) | BRPI0718899A2 (es) |
CA (1) | CA2669789C (es) |
CH (1) | CH698353B1 (es) |
DE (1) | DE112007002763T5 (es) |
ES (2) | ES2372833B1 (es) |
FI (1) | FI20095661L (es) |
GB (1) | GB2457002A (es) |
IL (1) | IL198739A0 (es) |
MA (1) | MA31070B1 (es) |
MX (1) | MX2009005259A (es) |
MY (1) | MY151683A (es) |
NZ (1) | NZ577676A (es) |
RU (1) | RU2479029C2 (es) |
SE (1) | SE0950456L (es) |
WO (1) | WO2008059458A1 (es) |
ZA (1) | ZA200903804B (es) |
Families Citing this family (7)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
AU2011207602B2 (en) * | 2010-01-19 | 2015-01-22 | Visa International Service Association | Verification mechanism |
CN112330875A (zh) * | 2013-03-15 | 2021-02-05 | 苹果公司 | 使用无线设备来促进与用户账户的交易 |
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 (3)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
WO2000045320A1 (en) * | 1999-01-29 | 2000-08-03 | Veristar Corporation | Tokenless biometric electronic debit and credit transactions |
US6243689B1 (en) * | 1998-12-29 | 2001-06-05 | Robert G. Norton | System and method for authorizing electronic funds transfer at a point of sale |
US20030061172A1 (en) * | 2001-09-21 | 2003-03-27 | Timothy Robinson | System and method for biometric authorization for financial transactions |
Family Cites Families (31)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
WO1994010659A1 (en) * | 1992-10-27 | 1994-05-11 | Jasper Consulting, Inc. | Credit card fraud elimination system |
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 |
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 |
NZ523746A (en) * | 2000-07-17 | 2004-10-29 | David N Harris | System and method for verifying commercial transactions |
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 |
WO2002029741A2 (en) | 2000-10-03 | 2002-04-11 | Zingher Joseph P | Biometric system and method for detecting duress 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 |
US7731086B2 (en) * | 2005-06-10 | 2010-06-08 | 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 ES ES200950025A patent/ES2372833B1/es not_active Expired - Fee Related
- 2007-11-15 CN CNA2007800427429A patent/CN101573722A/zh active Pending
- 2007-11-15 KR KR1020097012271A patent/KR20090103878A/ko active Search and Examination
- 2007-11-15 JP JP2009536854A patent/JP2010510565A/ja active Pending
- 2007-11-15 RU RU2009122581/08A patent/RU2479029C2/ru not_active IP Right Cessation
- 2007-11-15 SE SE0950456A patent/SE0950456L/sv unknown
- 2007-11-15 NZ NZ577676A patent/NZ577676A/en not_active IP Right Cessation
- 2007-11-15 EP EP07849151A patent/EP2097859A1/en not_active Ceased
- 2007-11-15 AU AU2007320778A patent/AU2007320778B2/en not_active Ceased
- 2007-11-15 CN CN201610421285.5A patent/CN106096936A/zh active Pending
- 2007-11-15 MX MX2009005259A patent/MX2009005259A/es active IP Right Grant
- 2007-11-15 AT ATA9476/2007A patent/AT507761A3/de not_active Application Discontinuation
- 2007-11-15 DE DE112007002763T patent/DE112007002763T5/de not_active Withdrawn
- 2007-11-15 CH CH00778/09A patent/CH698353B1/de not_active IP Right Cessation
- 2007-11-15 GB GB0910301A patent/GB2457002A/en not_active Withdrawn
- 2007-11-15 MY MYPI20092016 patent/MY151683A/en unknown
- 2007-11-15 CA CA2669789A patent/CA2669789C/en not_active Expired - Fee Related
- 2007-11-15 BR BRPI0718899-4A patent/BRPI0718899A2/pt not_active IP Right Cessation
- 2007-11-15 ES ES201231863A patent/ES2403336B1/es not_active Expired - Fee Related
- 2007-11-15 WO PCT/IB2007/054659 patent/WO2008059458A1/en active Application Filing
- 2007-11-15 KR KR1020167008249A patent/KR20160040731A/ko not_active Application Discontinuation
- 2007-11-15 US US12/515,085 patent/US8768776B2/en not_active Expired - Fee Related
-
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 (3)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US6243689B1 (en) * | 1998-12-29 | 2001-06-05 | Robert G. Norton | System and method for authorizing electronic funds transfer at a point of sale |
WO2000045320A1 (en) * | 1999-01-29 | 2000-08-03 | Veristar Corporation | Tokenless biometric electronic debit and credit transactions |
US20030061172A1 (en) * | 2001-09-21 | 2003-03-27 | Timothy Robinson | System and method for biometric authorization for financial transactions |
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