ES2631002R1 - Dispositivo para facilitar transacciones financieras, procedimiento e instalación correspondientes - Google Patents

Dispositivo para facilitar transacciones financieras, procedimiento e instalación correspondientes Download PDF

Info

Publication number
ES2631002R1
ES2631002R1 ES201590019A ES201590019A ES2631002R1 ES 2631002 R1 ES2631002 R1 ES 2631002R1 ES 201590019 A ES201590019 A ES 201590019A ES 201590019 A ES201590019 A ES 201590019A ES 2631002 R1 ES2631002 R1 ES 2631002R1
Authority
ES
Spain
Prior art keywords
pin
transaction
received
installation
unit
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
Application number
ES201590019A
Other languages
English (en)
Other versions
ES2631002B1 (es
ES2631002A2 (es
Inventor
Serge Christian Pierre Belamant
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.)
Net1 Ueps Tech Inc
NET1 UEPS TECHNOLOGIES Inc
Original Assignee
Net1 Ueps Tech Inc
NET1 UEPS TECHNOLOGIES Inc
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 Net1 Ueps Tech Inc, NET1 UEPS TECHNOLOGIES Inc filed Critical Net1 Ueps Tech Inc
Publication of ES2631002A2 publication Critical patent/ES2631002A2/es
Publication of ES2631002R1 publication Critical patent/ES2631002R1/es
Application granted granted Critical
Publication of ES2631002B1 publication Critical patent/ES2631002B1/es
Active legal-status Critical Current
Anticipated expiration legal-status Critical

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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
    • 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
    • G06Q20/4012—Verifying personal identification numbers [PIN]
    • 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
    • G06Q20/40145—Biometric identity checks
    • 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
    • G07F7/1016—Devices or methods for securing the PIN and other transaction-data, e.g. by encryption
    • 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
    • G07F7/1025—Identification of user by a PIN code

Abstract

Dispositivo para facilitar transacciones financieras, procedimiento e instalación correspondientes. Dicho dispositivo presenta una unidad de almacenamiento de datos, un dispositivo de entrada que puede hacer funcionar una persona que realiza la transacción para introducir una petición de un PIN, un dispositivo de entrada de identificador biométrico, una unidad de verificación, un generador de PIN y un dispositivo de salida. El identificador biométrico puede ser una señal de sonido, una señal visual o una huella dactilar. De manera correspondiente, una instalación de procesamiento de transacciones financieras de un emisor de tarjetas de crédito o débito presenta una unidad de recepción, una unidad de verificación para verificar el PIN y una unidad de aprobación de transacciones para aprobar la transacción si se verifica el PIN recibido. El PIN recibido puede verificarse con un generador de PIN de comprobación y un comparador para comparar el PIN de comprobación y el PIN recibido.
ES201590019A 2012-09-04 2013-09-03 Dispositivo para facilitar transacciones financieras, procedimiento e instalación correspondientes Active ES2631002B1 (es)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
US201261696726P 2012-09-04 2012-09-04
US61/696,726 2012-09-04
PCT/IB2013/058241 WO2014037869A1 (en) 2012-09-04 2013-09-03 Financial transactions with a varying pin

Publications (3)

Publication Number Publication Date
ES2631002A2 ES2631002A2 (es) 2017-08-25
ES2631002R1 true ES2631002R1 (es) 2018-02-02
ES2631002B1 ES2631002B1 (es) 2018-11-14

Family

ID=49354725

Family Applications (1)

Application Number Title Priority Date Filing Date
ES201590019A Active ES2631002B1 (es) 2012-09-04 2013-09-03 Dispositivo para facilitar transacciones financieras, procedimiento e instalación correspondientes

Country Status (24)

Country Link
US (1) US20140074725A1 (es)
EP (1) EP2893502A1 (es)
JP (1) JP2015529364A (es)
KR (1) KR20150084648A (es)
CN (1) CN104769621A (es)
AP (1) AP2013007095A0 (es)
AT (1) AT515400A2 (es)
AU (1) AU2013311295A1 (es)
BR (1) BR112015004827A2 (es)
CA (1) CA2883856A1 (es)
CH (1) CH708725B1 (es)
DE (1) DE112013004332T5 (es)
ES (1) ES2631002B1 (es)
FI (1) FI20155242L (es)
GB (1) GB2520662A (es)
IL (1) IL237565A0 (es)
MA (1) MA37972A1 (es)
MX (1) MX2015002791A (es)
PH (1) PH12015500473A1 (es)
RU (1) RU2015112023A (es)
SE (1) SE1550401A1 (es)
SG (1) SG11201501654QA (es)
WO (1) WO2014037869A1 (es)
ZA (1) ZA201306611B (es)

Families Citing this family (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
GB2563599A (en) * 2017-06-19 2018-12-26 Zwipe As Incremental enrolment algorithm
US10861017B2 (en) * 2018-03-29 2020-12-08 Ncr Corporation Biometric index linking and processing
US11334887B2 (en) 2020-01-10 2022-05-17 International Business Machines Corporation Payment card authentication management

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20040030660A1 (en) * 2002-07-03 2004-02-12 Will Shatford Biometric based authentication system with random generated PIN
US20080028230A1 (en) * 2006-05-05 2008-01-31 Tri-D Systems, Inc. Biometric authentication proximity card
DE102007018604A1 (de) * 2007-04-18 2008-10-23 Rs2 Software Ltd. System, Verfahren und Karte zur Authentisierung und Verifizierung mit einem einmaligen, einzigen PIN, basierend auf der Biometrie
WO2012112921A2 (en) * 2011-02-18 2012-08-23 Creditregistry Corporation Non-repudiation process for credit approval and identity theft prevention

Family Cites Families (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
DE10022570A1 (de) * 2000-05-09 2001-11-15 Giesecke & Devrient Gmbh Verfahren und System zur Generierung eines Schlüsseldatensatzes
US6831568B1 (en) * 2000-06-30 2004-12-14 Palmone, Inc. Method and apparatus for visual silent alarm indicator
JP2002279326A (ja) * 2001-03-19 2002-09-27 Animo:Kk コンピュータ・システム及び取引申込処理方法
JP2007018050A (ja) * 2005-07-05 2007-01-25 Sony Ericsson Mobilecommunications Japan Inc 携帯端末装置、暗証番号認証プログラム、及び暗証番号認証方法
JP2007304792A (ja) * 2006-05-10 2007-11-22 Hitachi Omron Terminal Solutions Corp 認証システムを構成する処理装置及び認証システム及びその動作方法
US20070291995A1 (en) * 2006-06-09 2007-12-20 Rivera Paul G System, Method, and Apparatus for Preventing Identity Fraud Associated With Payment and Identity Cards
CN101101687B (zh) * 2006-07-05 2010-09-01 山谷科技有限责任公司 用生物特征进行身份认证的方法、设备、服务器和系统

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20040030660A1 (en) * 2002-07-03 2004-02-12 Will Shatford Biometric based authentication system with random generated PIN
US20080028230A1 (en) * 2006-05-05 2008-01-31 Tri-D Systems, Inc. Biometric authentication proximity card
DE102007018604A1 (de) * 2007-04-18 2008-10-23 Rs2 Software Ltd. System, Verfahren und Karte zur Authentisierung und Verifizierung mit einem einmaligen, einzigen PIN, basierend auf der Biometrie
WO2012112921A2 (en) * 2011-02-18 2012-08-23 Creditregistry Corporation Non-repudiation process for credit approval and identity theft prevention

Also Published As

Publication number Publication date
KR20150084648A (ko) 2015-07-22
RU2015112023A (ru) 2016-10-27
AU2013311295A1 (en) 2015-04-30
CH708725B1 (de) 2017-09-15
ES2631002B1 (es) 2018-11-14
EP2893502A1 (en) 2015-07-15
GB201505851D0 (en) 2015-05-20
AP2013007095A0 (en) 2013-09-30
US20140074725A1 (en) 2014-03-13
FI20155242L (fi) 2015-04-02
JP2015529364A (ja) 2015-10-05
MX2015002791A (es) 2015-12-03
AT515400A2 (de) 2015-08-15
BR112015004827A2 (pt) 2017-07-04
MA37972A1 (fr) 2016-01-29
ZA201306611B (en) 2014-05-28
WO2014037869A1 (en) 2014-03-13
DE112013004332T5 (de) 2015-05-13
ES2631002A2 (es) 2017-08-25
SE1550401A1 (sv) 2015-04-02
SG11201501654QA (en) 2015-05-28
CN104769621A (zh) 2015-07-08
CA2883856A1 (en) 2014-03-13
PH12015500473A1 (en) 2015-04-20
IL237565A0 (en) 2015-04-30
GB2520662A (en) 2015-05-27

Similar Documents

Publication Publication Date Title
BR112013005236A2 (pt) método e sistema para realizar pagamentos eletrônicos com cartão de crédito.
WO2016123309A8 (en) User interface for payments
TN2015000352A1 (en) Systems, apparatus and methods for mobile companion prepaid card
WO2011094280A3 (en) System and method for generating a dynamic card value
WO2011153355A3 (en) Electronic credit card with fraud protection
WO2014141103A3 (en) Two-way, token-based validation for nfc-enabled transactions
WO2014028769A3 (en) Image processing for credit validation
MX2013000278A (es) Dispositivo independiente de entrada segura de pin para habilitar transacciones con tarjeta de emv con lector de tarjetas separado.
GB2505601A (en) Credential authentication methods and systems
WO2010017237A3 (en) Application currency code for dynamic currency conversion transactions with contactless consumer transaction payment device
CU20140076A7 (es) Sistema de pago electrónico basado en cheques y procedimientos para emitir, transferir, pagar y verificar cheques electrónicos
WO2011127177A3 (en) System and method for securely validating transactions
BR112017023000A2 (pt) sistema e métodos para uma aprovação aprimorada de uma transação de pagamento
MX351131B (es) Sistemas y metodos para proporcionar, recargar y finiquitar tarjetas de valor almacenado usadas en aplicaciones de transito.
EP2556474A4 (en) METHOD AND SYSTEM FOR PROCESSING PIN CARD TRANSACTIONS
WO2014155394A3 (en) System and method for a secure electronic transaction using a universal portable card reader device
PH12015501714A1 (en) Methods and systems for mitigating fraud losses during a payment card transaction
IN2013MU02212A (es)
MY175123A (en) A system and method for merchandising on anelectronic device with instantaneous loan and insurance
MX2022004948A (es) Tarjeta metalica con caracteristicas biometricas.
ES2631002R1 (es) Dispositivo para facilitar transacciones financieras, procedimiento e instalación correspondientes
MY187192A (en) Internet-based secure payment system and secure payment method
BR112017022152A2 (pt) sistema e método para integração de conjuntos de dados financeiros.
WO2013188559A3 (en) Methods and systems for investigating fraudulent transactions
ES2492590B1 (es) Método y sistema para habilitar ticketing/pagos móviles sin contacto por medio de una aplicación de teléfono móvil, mejorado

Legal Events

Date Code Title Description
FG2A Definitive protection

Ref document number: 2631002

Country of ref document: ES

Kind code of ref document: B1

Effective date: 20181114