MA31070B1 - Verification de l'identite d'une partie initiant une transaction. - Google Patents

Verification de l'identite d'une partie initiant une transaction.

Info

Publication number
MA31070B1
MA31070B1 MA31984A MA31984A MA31070B1 MA 31070 B1 MA31070 B1 MA 31070B1 MA 31984 A MA31984 A MA 31984A MA 31984 A MA31984 A MA 31984A MA 31070 B1 MA31070 B1 MA 31070B1
Authority
MA
Morocco
Prior art keywords
initiator
transaction
account
identifier
identity
Prior art date
Application number
MA31984A
Other languages
Arabic (ar)
English (en)
Inventor
Serge Christian Pierre Belamant
Original Assignee
Net 1 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 Net 1 Ueps Technologies Inc filed Critical Net 1 Ueps Technologies Inc
Publication of MA31070B1 publication Critical patent/MA31070B1/fr

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
    • 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
    • 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

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Computer Security & Cryptography (AREA)
  • Marketing (AREA)
  • Economics (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)
  • Collating Specific Patterns (AREA)
  • Measurement Of The Respiration, Hearing Ability, Form, And Blood Characteristics Of Living Organisms (AREA)
  • Microelectronics & Electronic Packaging (AREA)

Abstract

L'invention concerne un système pour faciliter une transaction financière entre un initiateur potentiel et un destinataire, comprenant une unité de vérification d'identité et de compte permettant de vérifier l'identité de l'initiateur potentiel de la transaction et le compte que l'initiateur potentiel possède auprès d'un établissement financier, cette unité de vérification d'identité et de compte étant opérée par un vérificateur indépendant. L'unité de vérification d'identité et de compte comprend des moyens de mémorisation pour stocker un identificateur de l'initiateur d'une transaction potentiel, ainsi que des informations concernant au moins un compte détenu par l'initiateur auprès d'une institution financière. Des moyens de saisie d'identificateur permettent à l'initiateur d'introduire son identificateur lorsqu'il s'inscrit auprès du service. Des moyens d'obtention d'informations de comptes permettant d'obtenir des informations concernant le compte de l'initiateur de la transaction auprès de l'établissement financier, des moyens de saisie d'identificateur permettant à l'initiateur d'introduire son identificateur, et des moyens de communication permettant la communication avec un vérificateur indépendant sont situés chez le destinataire de la transaction, afin de permettre la transmission des informations de compte et l'identificateur au vérificateur, et la réception d'une confirmation de vérification ou d'un rejet de la part d'un vérificateur, avant que l'initiateur n'effectue la transaction financière avec le destinataire.
MA31984A 2006-11-16 2009-06-12 Verification de l'identite d'une partie initiant une transaction. MA31070B1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
ZA200609537 2006-11-16
PCT/IB2007/054659 WO2008059458A1 (fr) 2006-11-16 2007-11-15 Vérification de l'identité de l'initiateur d'une transaction

Publications (1)

Publication Number Publication Date
MA31070B1 true MA31070B1 (fr) 2010-01-04

Family

ID=39167696

Family Applications (1)

Application Number Title Priority Date Filing Date
MA31984A MA31070B1 (fr) 2006-11-16 2009-06-12 Verification de l'identite d'une partie initiant une transaction.

Country Status (24)

Country Link
US (1) US8768776B2 (fr)
EP (1) EP2097859A1 (fr)
JP (1) JP2010510565A (fr)
KR (2) KR20160040731A (fr)
CN (2) CN106096936A (fr)
AP (1) AP2009004898A0 (fr)
AT (1) AT507761A3 (fr)
AU (1) AU2007320778B2 (fr)
BR (1) BRPI0718899A2 (fr)
CA (1) CA2669789C (fr)
CH (1) CH698353B1 (fr)
DE (1) DE112007002763T5 (fr)
ES (2) ES2372833B1 (fr)
FI (1) FI20095661L (fr)
GB (1) GB2457002A (fr)
IL (1) IL198739A0 (fr)
MA (1) MA31070B1 (fr)
MX (1) MX2009005259A (fr)
MY (1) MY151683A (fr)
NZ (1) NZ577676A (fr)
RU (1) RU2479029C2 (fr)
SE (1) SE0950456L (fr)
WO (1) WO2008059458A1 (fr)
ZA (1) ZA200903804B (fr)

Families Citing this family (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2011091021A2 (fr) * 2010-01-19 2011-07-28 Visa International Service Association Mécanisme de vérification
EP2956825B1 (fr) * 2013-03-15 2020-06-24 Apple Inc. Facilitation des transactions avec un compte utilisateur au moyen d'un dispositif sans fil
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
WO2018140700A1 (fr) * 2017-01-27 2018-08-02 Hutchinson Shawn Services d'authentification sécurisée et d'attributs financiers
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

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WO1994010659A1 (fr) * 1992-10-27 1994-05-11 Jasper Consulting, Inc. Systeme interdisant l'utilisation frauduleuse de cartes de credit
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
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US6269348B1 (en) * 1994-11-28 2001-07-31 Veristar Corporation Tokenless biometric electronic debit and credit transactions
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
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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
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Also Published As

Publication number Publication date
IL198739A0 (en) 2010-02-17
KR20090103878A (ko) 2009-10-01
CN101573722A (zh) 2009-11-04
US8768776B2 (en) 2014-07-01
ES2403336A2 (es) 2013-05-17
ZA200903804B (en) 2010-03-31
DE112007002763T5 (de) 2009-09-24
GB2457002A (en) 2009-08-05
CA2669789A1 (fr) 2008-05-22
RU2009122581A (ru) 2010-12-27
RU2479029C2 (ru) 2013-04-10
AU2007320778B2 (en) 2012-09-13
US20120123879A1 (en) 2012-05-17
GB0910301D0 (en) 2009-07-29
CN106096936A (zh) 2016-11-09
MX2009005259A (es) 2009-10-13
EP2097859A1 (fr) 2009-09-09
ES2403336B1 (es) 2014-08-27
ES2372833A1 (es) 2012-01-27
CH698353B1 (de) 2015-06-15
KR20160040731A (ko) 2016-04-14
AT507761A2 (de) 2010-07-15
CA2669789C (fr) 2016-08-16
WO2008059458A1 (fr) 2008-05-22
FI20095661L (fi) 2009-06-12
AU2007320778A1 (en) 2008-05-22
ES2403336R1 (es) 2014-01-07
SE0950456L (sv) 2009-07-21
AP2009004898A0 (en) 2009-06-30
AT507761A3 (de) 2016-03-15
NZ577676A (en) 2012-04-27
ES2372833B1 (es) 2013-01-29
MY151683A (en) 2014-06-30
BRPI0718899A2 (pt) 2013-12-10
JP2010510565A (ja) 2010-04-02

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