PT1200926E - Sistema de pagamento sem cartão - Google Patents

Sistema de pagamento sem cartão Download PDF

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PT1200926E
PT1200926E PT930499T PT00930499T PT1200926E PT 1200926 E PT1200926 E PT 1200926E PT 930499 T PT930499 T PT 930499T PT 00930499 T PT00930499 T PT 00930499T PT 1200926 E PT1200926 E PT 1200926E
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credit card
pin
card
transaction
database
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Kurt M Campisano
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Jpmorgan Chase Bank Na
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    • 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/305—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wired telephone networks
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)

Description

Descrição
Sistema de pagamento sem cartão
Campo da invenção
Esta invenção relaciona-se em geral com um método para atribuir algo, tal como um número de telefone e um número de identificação pessoal (PIN), a um cartão de crédito para eliminar a necessidade da presença fisica do cartão durante a transacção.
Antecedentes da invenção
Existem literalmente milhares de cartões de crédito disponíveis. Alguns fornecem milhas de viajante frequente, outros dão combustível grátis. Outros cartões de crédito ainda oferecem baixas taxas de juro e ainda seguros paras as compras. De todos os cartões que existem nenhum deles oferece a habilidade de ir a uma loja e fazer compras sem o cartão. Enquanto é possível colocar uma ordem através do telefone para uma companhia de catálogo, é geralmente necessário ter o cartão na mão para ler o número ao vendedor e fornecer informação adicional tal como a data de expiração. Provavelmente um numero trivial de pessoas memorizou o seu numero de cartão de crédito e data de expiração, mas a maioria das pessoas ainda não introduziu este 20 dígitos poucos utilizados na memória. 1/12
Adicionalmente pessoas com estilo de vida activo consideram penoso carregar muitos cartões de crédito no seu dia-a-dia. 0 risco de perder a carteira ou bolsa, ou ser roubado é um problema. 0 processo de substituição para a maioria dos cartões é longo e penoso. Se o cartão de crédito é roubado e pagamentos não autorizados forem descobertos na conta o processo para rectificar a situação consome muito tempo e exaustivo, muitas vezes envolvendo depoimentos juramentados da parte do titular do cartão.
Estas e outras desvantagens dos cartões de crédito actuais existem. A WO 98/37524 A relaciona-se com um método de transacção entre um cliente e um terminal que é ligado a uma rede de telecomunicações.
Sumário da Invenção
Um objecto da presente invenção é ultrapassar as desvantagens dos cartões de crédito existentes.
Outro objecto da presente invenção é um método para permitir a um titular de cartão usar o seu cartão de crédito sem efectivamente ter o cartão presente no momento da compra. Isto é alcançado cruzando o número de telefone do titular de cartão com o número de cartão de crédito e garantir ao cliente com PIN correspondente que pode ser 2/12 mudado imediatamente após recepção tal que seja um número que o membro de cartão possa facilmente lembrar. 0 PIN pode também ser seleccionado pelo membro de cartão através do seu telefone. A presente invenção fornece um método para completar uma transacção de cartão de crédito em que o utilizador não necessita saber o número de cartão de crédito e não necessita ter o cartão de crédito presente fisicamente durante a transacção de cartão de crédito, o método compreende os passos de: atribuir um nome de utilizador a um número de cartão de crédito, o número de cartão de crédito também tendo associado um PIN, liqar o nome de utilizador com o número de cartão de crédito e o PIN numa base de dados, introduzir o nome de utilizador e o PIN num aparelho após iniciação de uma transacção sem recepção do número de cartão de crédito, ligar o aparelho à base de dados, recuperar o número de cartão de crédito da base de dados baseado no nome de utilizador, autenticar a transacção recuperando o PIN na base de dados e comparar o PIN recuperado na base de dados com o PIN recebido, e levar a cabo a transacção se a autenticação for bem-sucedida. 0 objecto em cima e outros objectos e vantagens da invenção serão aparentes na descrição detalhada das realizações preferidas que se seguem.
Breve descrição dos desenhos 3/12 A Figura 1 mostra um fluxograma para um método de uso de acordo com uma realização da presente invenção. A Figura 2A e 2B mostra um fluxograma de uma realização da presente invenção. A Figura 3A e 3B mostra um fluxograma para a selecção de um PIN de acordo com uma realização da presente invenção. A Figura 4A e 4B mostra um fluxograma para a selecção de um PIN de acordo com uma realização da presente invenção. Realizações da invenção podem incluir alguns, ou todos, os vários componentes descritos em baixo.
Descrição detalhada das realizações preferidas A figura 1 mostra um exemplo de uma transacção de um titular de cartão de crédito de acordo com a presente invenção. Na Figura 1 uma compra com cartão de crédito é começada em qualquer ponto de compra, passo 10. Uma localização de ponto de compra é qualquer localização onde seja possível fazer uma compra usando um cartão de crédito. Por exemplo, qualquer loja que aceite cartões de crédito será um ponto de localização de compra. Qualquer telefone pode ser considerado um ponto de localização de compra uma vez que é possível telefonar a uma companhia, tal como uma companhia de catálogo, e colocar uma encomenda com cartão de crédito ao telefone. Em vez de fornecer ao comerciante o cartão de crédito como pagamento, ou no caso de uma 4/12 encomenda por telefone fornecendo o número de cartão de crédito e data de expiração, o membro de cartão irá introduzir o número de telefone de 10 dígitos e o PIN num aparelho semelhante aos leitores de cartão de crédito em uso, passo 12.
Este aparelho irá ligar-se a uma base de dados, provavelmente a base de dados já mantida pela companhia de telefone, passo 14, e irá verificar a autenticidade. Em alternativa a companhia de cartão de crédito pode ter a sua própria base de dados que inclui toda a informação apropriada e pode verificar o titular do cartão e processar a transacção com o cartão apropriado, passo 16. O processo de validação deve ser rápido e irá depois recuperar o cartão de crédito associado ao número de telefone e PIN que o membro de cartão forneceu. Após a validação ser bem-sucedida, o cartão de crédito será cobrado e o comerciante irá receber notificação da sua validação, passo 18. O membro de cartão tem depois que assinar uma espécie de recibo ou autorização e a transacção está completa, passo 20.
Todo este processo é muito similar às transacções de cartão de crédito correntes com a excepção de que em vez fornecer um cartão de plástico, o membro de cartão apenas precisa de introduzir o seu número de telefone de 10 dígitos e PIN. A realização em cima requer um "teclado" especial para uso dos consumidores para que estes possam introduzir o seu número de telefone e PIN discretamente. Em alternativa o 5/12 consumidor pode fornecer o número de 10 dígitos e PIN directamente ao comerciante.
As figuras 2A e 2B mostram uma transacção similar, entre um membro de cartão e um comerciante, conduzida pelo telefone. Na Figura 2A o membro de cartão inicia a transacção telefonando a comerciante sob um telefone no passo 22.
Após identificar o item a ser comprado, o membro de cartão autoriza o seu cartão a ser cobrado provando ao representante com o seu número de telefone de 10 dígitos. A transacção continua e o número de cartão recebido pelo comerciante é verificado usando o PIN do membro de cartão. No passo 2 6 o membro de cartão fornece o PIN ao comerciante. Isto pode ser feito colocando o PIN no teclado do telefone ou verbalmente indicando o PIN ao comerciante. 0 número de 10 dígitos e o PIN são verificados pelo comerciante no passo 30. O processo de verificação é similar ao usado para verificar números originais de cartão de crédito e datas de expiração.
Uma vez que o número foi verificado o comerciante processa a transacção e o cartão de crédito é cobrado no passo 32. Após o cartão de crédito ser cobrado a transacção é completada, passo 34.
Associar um nome de utilizador e seleccionar um PIN são processos relativamente fáceis. As Figuras 3A e 3B mostram 6/12 os processos de activação e associação para um membro de cartão. Um membro de cartão é uma pessoa que já tem uma conta de cartão de crédito com a empresa de cartão de crédito e está meramente a telefonar para activar o seu nome de utilizador e seleccionar um PIN. 0 processo de activação é iniciado no passo 36 quando um membro de cartão corrente recebe a oferta da empresa de cartão de crédito para activar o nome d utilizador. Esta oferta pode ser recebida por correio, correio electrónico, telefone ou de outras formas. Se a oferta for recebida por outros meios diferentes do telefone, o membro de cartão tem que ligar à empresa de cartão de crédito para activação, passo 38. Quando a chamada é recebida pela empresa de cartão de crédito, o número do telefone da pessoa que liga é automaticamente identificado por um sistema ANI, passo 40 .
Determinado o número de telefone da pessoa que liga, a empresa de cartão de crédito pode determinar a identidade da pessoa que telefona e o número de conta. Isto pode ser feito perguntado o seu número de conta ou, preferivelmente, ter o sistema preparado para fornecer informação de conta de cartão baseada no número de telefone como mostrado no passo 42. No passo 44 o membro de cartão selecciona um PIN a ser usado com o seu número de telefone como nome de utilizador. Em alternativa, a empresa de cartão de crédito pode atribuir um PIN aleatório. O processo de activação é completado no passo 46 quando uma empresa de cartão de crédito atribui um PIN ao cartão da conta de cartão membro e actualiza os registos ou o sistema faz esta operação automaticamente. 7/12 0 processo de activação pode também ser totalmente automatizado. Por exemplo um membro de cartão corrente recebe a oferta no correio incluindo um número de telefone para o membro de cartão ligar para activar. 0 membro de cartão liga então para o número designado. A empresa de cartão de crédito podem então depois automaticamente determinar o número de telefone do membro de cartão utilizando ANI e apresentar ao membro de cartão um menu pré gravado com opções.
Usando estas opções o membro de cartão pode requisitar activação do nome de utilizador e seleccionar um PIN usando as teclas do telefone. 0 registo dica então completo tendo o sistema automaticamente actualizado a conta do membro de cartão e regista o nome de utilizador e PIN seleccionado. 0 processo de registo e activação pode também ser usado por um novo membro de cartão. Como mostrado nas Figuras 4A e 4B um novo membro recebe uma oferta de cartão de crédito com uma opção de associar um nome de utilizador à nova conta, passo 48. A pessoa pode aceitar esta oferta e aplicar para o cartão de crédito e nome de utilizador ligando para um número designado para activação, passo 50. No passo 52 a companhia de cartão de crédito pode usar um ANI para determinar o número de telefone da pessoa que liga. Em alternativa um serviço de cliente de representação pode verbalmente obter a informação do membro de cartão. No passo 54 o sistema recebe um ficheiro contendo a informação financeira da pessoa que liga e estado d pré aprovação. 8/12
Esta informação pode ser usada por um serviço de cliente ou pelo sistema automaticamente para activar uma nova conta para a pessoa que liga. Preferivelmente um serviço de representação de cliente pode obter informação financeira adicional e confirmar informação existente assim fornecendo à empresa de cartão de crédito um processo de triagem mais completo.
Aprovação para a nova conta pode depois ser processada no passo 56 e qualquer actualização pode também ser levada a cabo. Neste ponto o membro de cartão pode também seleccionar um PIN como mostrado no passo 58. Em alternativa um PIN aleatório pode ser fornecido pela companhia de cartão de crédito à nova conta. Processos de registo e activação são completados no passo 60 quando o sistema atribui o PIN à conta de membro de cartão e actualiza a conta de acordo. Neste ponto, o sistema pode activar a conta ou deixa-la pendente aguardando aprovação de verificações de créditos subsequentes.
Consumidores que tenham uma pluralidade de cartões de crédito têm a opção de seleccionar múltiplos PINS correspondendo cada um a um cartão de crédito diferente. Quando faz uma compra o titular de cartão apenas precisa de fornecer o PIN correspondente ao cartão que deseja que seja usado para cobrar a compra.
Medidas de segurança para o sistema de pagamento sem cartão serão quase as mesmas que as usadas por cartões de crédito. Os cartões de crédito em si não são um sistema seguro por definição. Se um cartão se perder, o abuso do cartão de 9/12 crédito é possível. 0 mesmo sistema usado para lidar com fraude será usado na presente invenção. Nenhumas novas questões de segurança existem no sistema de pagamento sem cartão para além das existentes com os cartões de crédito hoje em dia. De facto, talvez existam menos questões de segurança com o sistema de pagamento com cartão devido ao facto de nenhum cartão ser transportado pelo titular do cartão e assim as hipóteses de perder o cartão ou de este ser roubado são significativamente reduzidas. Se o titular de cartão decidir destruir o cartão de plástico e apenas usar o sistema de pagamento sem cartão as hipóteses de perder o cartão ou de este ser roubado são praticamente zero. 0 processo de registo do sistema de pagamento sem cartão é também único. Usando números de telefone de casa como o nome de utilizador do cartão, uma base de dados será usada para armazenar a informação correspondente para assim determinar que números de telefone vão com cada cartão. 0 processo envolve manter estes dados numa base de dados tais como as bases de dados das companhias de telefone actuais. Companhias de telefone já têm bases de dados como o número do consumidor armazenado. Ligar o número de telefone na base de dados a um cartão de crédito permitiria uma integração dos dois.
Adicionalmente quando os consumidores introduzirem este número podem seleccionar vários métodos de pagamento. Por exemplo, se um membro de cartão tem dois cartões de crédito diferentes e um cartão de débito, após introduzir o seu numero de telefone de dez dígitos e o PIN podem escolher qual cartão usar para o pagamento através de uma espécie de 10/12 menu de selecção. Em alternativa um utilizador de cartão único pode ter múltiplos PINS representado diferentes cartões. É possível associar um PIN ao seu cartão Visa e outro PIN ao seu MasterCard, ambos no mesmo número de telefone.
Os usos incluem pontos de venda onde exista um terminal onde os consumidores possam introduzir o número. A invenção é também aplicável a situações de cartão não presente encomendando um produto por telefone, etc. Isto permite ao consumidor comprar algo sem fornecer a informação do seu cartão de crédito ao telefone.
Outras realizações e usos da invenção serão aparentes para os peritos na área através de consideração da descrição e prática da invenção aqui divulgada. A descrição e exemplos devem apenas ser considerados de exemplo e não limitativos. 0 âmbito da invenção desejado é apenas limitado pelas reivindicações anexas.
Lisboa, 10 de Outubro de 2013 11/12
REFERÊNCIAS CITADAS NA DESCRIÇÃO
Esta lista de referências citadas pelo Titular tem como único objectivo ajudar o leitor e não forma parte do documento de patente europeia. Ainda que na sua elaboração se tenha tido o máximo cuidado, não se podem excluir erros ou omissões e a EPO não assume qualquer responsabilidade a este respeito.
Documentos de Pedidos de Patente citadas na descrição
WO 9837524 A 12/12

Claims (7)

  1. Reivindicações 1. Um método para completar uma transacção de cartão de crédito em que um utilizador não necessita de saber o numero do cartão de crédito e não necessita de ter o cartão de crédito fisicamente presente durante a transacção do cartão de crédito, o método compreendendo os passos de: Atribuir um nome de utilizador a um número de cartão de crédito, o número de cartão de crédito também tendo associado um PIN; Ligar o nome de utilizador com o número de cartão de crédito e o PIN numa base de dados; Introduzir o nome de utilizador e o PIN num aparelho após iniciação de uma transacção sem recepção do número de cartão de crédito; Ligar o aparelho à base de dados; Recuperar o número de cartão de crédito da base de dados baseado no nome de utilizador; Autenticar a transacção recuperando o PIN na base de dados e comparar o PIN recuperado na base de dados com o PIN recebido; e 1/3 Levar a cabo a transacção se a autenticação for bem-sucedida .
  2. 2. 0 método da reivindicação onde o dito nome de utilizador é um número de telefone.
  3. 3. 0 método da reivindicação 1 onde levar a cabo a transacção compreende informar o comerciante e cobrar o cartão de crédito.
  4. 4. 0 método da reivindicação 1 onde atribuir um nome de utilizador compreende atribuir um número de telefone de casa de um titular de cartão.
  5. 5. 0 método da reivindicação 1 onde o passo de recuperar o número do cartão de crédito compreende recuperar o número do cartão de crédito de uma base de dados mantida pela empresa do cartão de crédito.
  6. 6. 0 método da reivindicação 2 onde o passo de recuperação o número de cartão de crédito compreende recuperar o número de cartão de crédito de uma base de dados mantida pela companhia de telefone.
  7. 7. 0 método da reivindicação 1 onde o número de utilizador e o PIN são introduzidos através do uso de um teclado. 2/3 8. 0 método da reivindicação 1 para além disso compreende recepção do nome de utilizador e PIN através do uso de um telefone. do em 9. 0 método da reivindicação 1 inclui uso repetitivo nome de utilizador em múltiplas transacções ou transacções com múltiplos comerciantes. Lisboa, 10 de Outubro de 2013 3/3
PT930499T 1999-05-10 2000-05-10 Sistema de pagamento sem cartão PT1200926E (pt)

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
US09/307,597 US6227447B1 (en) 1999-05-10 1999-05-10 Cardless payment system

Publications (1)

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PT1200926E true PT1200926E (pt) 2013-10-23

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PT930499T PT1200926E (pt) 1999-05-10 2000-05-10 Sistema de pagamento sem cartão

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US (2) US6227447B1 (pt)
EP (1) EP1200926B1 (pt)
AU (1) AU4831000A (pt)
CA (1) CA2374093C (pt)
CY (1) CY1114612T1 (pt)
DK (1) DK1200926T3 (pt)
ES (1) ES2430163T3 (pt)
PT (1) PT1200926E (pt)
WO (1) WO2000068866A1 (pt)

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