WO1999014711A2 - Procede de controle de l'utilisation legitime d'une carte de debit ou d'un moyen similaire donnant droit a disposer d'un compte bancaire - Google Patents

Procede de controle de l'utilisation legitime d'une carte de debit ou d'un moyen similaire donnant droit a disposer d'un compte bancaire Download PDF

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Publication number
WO1999014711A2
WO1999014711A2 PCT/HU1998/000087 HU9800087W WO9914711A2 WO 1999014711 A2 WO1999014711 A2 WO 1999014711A2 HU 9800087 W HU9800087 W HU 9800087W WO 9914711 A2 WO9914711 A2 WO 9914711A2
Authority
WO
WIPO (PCT)
Prior art keywords
authorization
signal
bank
card
account
Prior art date
Application number
PCT/HU1998/000087
Other languages
English (en)
Other versions
WO1999014711A3 (fr
Inventor
Ákos ANDRASEV
Original Assignee
Andrasev Akos
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 HU9701553A external-priority patent/HU9701553D0/hu
Priority claimed from HU9702485A external-priority patent/HU9702485D0/hu
Application filed by Andrasev Akos filed Critical Andrasev Akos
Priority to EP98946630A priority Critical patent/EP1021802A2/fr
Priority to CA002303893A priority patent/CA2303893A1/fr
Priority to AU93624/98A priority patent/AU9362498A/en
Publication of WO1999014711A2 publication Critical patent/WO1999014711A2/fr
Publication of WO1999014711A3 publication Critical patent/WO1999014711A3/fr

Links

Classifications

    • 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
    • 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
    • G06Q20/22—Payment schemes or models
    • G06Q20/26—Debit schemes, e.g. "pay now"
    • 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
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • 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
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
    • G06Q20/3255—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks using mobile network messaging services for payment, e.g. SMS
    • 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
    • G06Q20/403—Solvency checks
    • G06Q20/4037—Remote solvency checks
    • 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
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
    • G06Q20/425—Confirmation, e.g. check or permission by the legal debtor of payment using two different networks, one for transaction and one for security confirmation

Definitions

  • the present invention relates to a procedure to ensure the authority of using a bank card or other means providing right of disposal of a bank account, said procedure being applicable both in verbal or electronic way of authorization to use a bank card, and during the investigation of a commission to perform a cash disbursement or money remittance prior to its execution, being suitable also for preventing damages resulting from unauthorized use of bank cards or other means.
  • granting the authority to use a bank card or other means is carried out in order to execute a transaction which results in changing the balance of a given bank account, and during the execution of the procedure of the present invention the authority to use the card or other means is granted.
  • bank card or “card” is meant to include the terms “deposit card”, “credit card”, “mixed card” and “virtual bank card”, -and further the definition “means providing right of disposal of a bank account” refers « to the possibility available for a person of disposing of a given bank account by means of a verbal or written order or by way of using some other specified means such as, e.g. a written money order or other commissions transmittable in written form; verbal instructions given by word of mouth or transmitted through a telecommunication network; instruction signals generated in a computer; e- mail messages; SMS messages; a remote input terminal, etc. It is known that when using a bank card to perform a transaction e.g.
  • the unit accepting the card usually a commercial unit or post office, an automatic teller machine (ATM) or a warehouse, etc., in order to get authorization to execute the transaction, contacts the principal bank or banking institution keeping the backing account of the card through reading the bank card electronically by means of its POS terminal or by other means, provided if said commercial unit has full or semi-on-line connection directly or through its own principal bank with the principal banking institution keeping the backing account of the card.
  • ATM automatic teller machine
  • the bank in its procedure aimed at granting the authorization, checks the existence and validity of the card and seeks whether sufficient funds are available on the backing account to cover the requested transaction.
  • the authorization procedure is carried out in such a way that the data signal, generated by composing the details of the transaction to be carried out with the characteristic data of the card and that of the backing account, is evaluated by means of comparing said data signal with the respective set of data stored in the appropriate data file of its own computer and, depending on- the results of the evaluation, a signal permitting or prohibiting the requested transaction is generated, which signal is then returned to the site of usage.
  • the commercial unit besides checking the right of disposing of the card e.g. by identifying the person using the card, by his identification card or by signature comparison, or by verifying the rightful use of the of card in some other way as well, e.g. by asking for entering the PIN code, draws up the charge certificate, in case of a purchase makes out the bill and, in such cases, the user of the card is usually asked to sign the bill and, depending on the characteristics of the available connection, either immediately or at a later time, in an accumulated form, withdraws the corresponding equivalent sum from the specified account of the card holder. Practically, a similar procedure is followed also in places having no
  • remittances initiated illegally from a terminal located at the customer and linked up with the computer of the bank permitting direct remittances requiring no further personal intervention, such as e.g. remittances requested outside the office hours of the bank because the working hours of the beneficiary lie in another time zone, as well as remittances initiated in the possession of the illegally acquired identification data through telephone will become known to the holder of the account only when the charges have already appeared on his bank account, i.e. when the holder has already suffered the loss.
  • the holder of a card in the case of loosing, theft or unauthorized use of his card, or after becoming aware of unauthorized charging of his bank account is entitled to stop the validity of the card, i.e. to freeze his account or other arrangement serving as coverage of his card at the issuing bank, or to stop payments from his bank account in the case of an unauthorized remittance, or to issue a coverage verification or garnishment of payments, but this is usually done only after the card holder has become aware of the appearance of cost of purchases made to the debit of his account but not performed by him or with his consent, or when the holder of the bank account has noticed the remittances charged on the account or, very often, only after having received notice on the exhaustion of his account, and this way only after the owner suffered the loss.
  • the main periods of using the bank card as cash substituting means usually fall outside the working hours of the bank, and in some cases the card usage takes place, in another time-zone and, generally, the sum spent is not too much, the purchased goods serving the requirements of a single person or a family.
  • obtaining previous approvals of the holder of the account to eliminate unauthorized use of the bank card would render such shopping too cumbersome, causing unnecessary delays and, due to the possible inaccessibility of the holder of the account, a high proportion of purchases would fail and the operating costs and the closing times would considerably increase.
  • the present invention is based on the recognition that any unauthorized use of bank cards and illegal remittances can effectively be prevented only if, in the case of natural persons, the card owner or bank account holder and, in the case of legal entities, the person named as decision maker is drawn into the approval of each transaction.
  • Another recognition is the fact that, at the present state of art of the communication means, involving the owner of the card or the account holder can be done without causing any concern or hindrance to the cash flow. Further connected to this is the recognition that the extra authorization should be carried out in such a way, that excludes the possibility of performing it by an unwarranted person.
  • an authorization override request signal preferably an authorization override request signal carrying certain information about the transaction and/or the bank account to be charged by the transaction and/or the expected change in the balance of the bank account involved
  • the authorization override request signal is converted into a message signal that can be sent through a telecommunication network, preferably through a digital mobile telecommunication network, preferably in SMS mode of operation, and this message signal is transmitted through the telecommunication network, preferably in SMS mode of operation, to a telecommunication device, preferably a mobile telephone set, which is capable of sending a return signal, and having a call number given by the person having the right of disposal of the bank account to be charged by the transaction, then from the return signal received through the telecommunication network, preferably in SMS or DTFM mode of operation, or from the return signal received in the form of a tone, or in case such a return signal is not received within a predetermined period of time, a return signal, that can be evaluated by the computer, is deducted,
  • the data signal generated with the characteristics of the intended transaction and with the characteristics of the bank card or other means and/or with the characteristics of the bank account to be charged, is evaluated by way of comparison, in the known way, with the set of data stored in the computer in the respective data file and, depending on the result of this evaluation, a signal with the meaning of either permission or prohibition is generated. This signal is then transmitted to the site of usage.
  • the authorization override request signal is generated prior to the authorization. In a third preferred embodiment of the present invention the authorization override request signal is generated after the authorization.
  • the authorization override request signal is generated simultaneously with the authorization.
  • the procedure is carried out in such a way that an authorization override message signal, preferable an authorization override message signal carrying certain information about the transaction and/or the bank account to be charged by the transaction and/or the expected change in the balance of the bank account involved, is generated, the authorization override message signal is transferred to the bank keeping the account through a telecommunication network, preferably in SMS mode of operation or in DTFM mode of operation or in tonal form, there an authorization override signal that can be evaluated by a computer is deducted from a telecommunication network, preferably in SMS mode of operation or in DTFM mode of operation or in tonal form, there an authorization override signal that can be evaluated by a computer is deducted from
  • the usage will be authorized and, within the framework of the authorization procedure a data signal generated with the characteristics of the intended transaction and with the characteristics of the bank card and/or the bank account to be charged is evaluated by way of comparison in the known way with the set of data stored in the computer in the respective data file and, depending on the result of this evaluation, a signal with the meaning of either permission or prohibition is generated, which signal is used then as a proof of authority, which signal will, in certain cases, be transmitted to the site of usage, the procedure is carried out in such a way, that an authorization override request signal carrying certain characteristic data of the transaction and, in certain cases, that of the bank card and/or the bank account to be charged by the transaction, is generated, the authorization override request signal is converted into
  • Figure 1 is a flowchart of a first embodiment of the first version of the procedure according to the present invention, where the bank requesting the authorization and the principal bank of the account holder is the same;
  • Figure 2 is a flowchart of a second embodiment of the first version of the procedure according to the present invention where the account holder is registered in the bank requesting the authorization, but his account is kept by another bank;
  • Figure 3 is a flowchart of the second version of the procedure according to the present invention, where the principal bank of the authorization requester and the principal bank of the account holder are different, and the account holder gives his authorization override to his principal bank in advance;
  • Figure 4 is a flowchart of a such an embodiment of the first version of the procedure according to the present invention, where the principal bank keeping the account of the authorization requester and the principal bank of the account holder are different, and the account holder is in contact only with his principal bank;
  • Figure 5 is a flowchart of such an embodiment of the first version of the procedure according to the present invention where,
  • Figure 6 is a flowchart of such an embodiment of the first version of the procedure according to the present invention, where an authorization override procedure through a network, e.g. through the INTERNET network, precedes the authorization.
  • a network e.g. through the INTERNET network
  • FIG. 1 is a flowchart of an embodiment, given as an example, of the first version of the procedure according to the present invention to ensure authorization, where there are three participants in the procedure, the first one of them being the person who has the right of disposing of a bank account, which is to be charged by a given transaction, and the payment is to be done by using a bank card, virtual bank card or other means, for sake of simplicity hereinafter called bank card, this person hereinafter is called an account holder 10; the second participant is a person or organization, e.g. a warehouse, a POS terminal, etc., which sells goods or provides services or other values, e.g.
  • a requester of authorization 20 dispenses money, and at which participant payment is possible by using a bank card, and which participant would like to obtain the payment through a remittance to his bank account, for sake of simplicity this participant hereinafter is called a requester of authorization 20; and finally the third participant is a bank 30 which keeps, on the one hand, a certain account 36 of the requester of authorization and, on the other hand, a covering account 35 of the bank card of the account holder 10, where, among others, the data required for establishing a quick connection to the account holder 10 through a telecommunication network are also stored.
  • account holder 10 preferably by establishing a computer linkage, either personally or through a telephone or computer network, e.g.
  • an authorization override request signal is produced by the bank 30 using electronic data processing, and from this authorization override request signal a message signal 31 is deducted, again by using electronic data processing, which message signal 31 is transmitted, preferably ih SMS format, through an appropriate terminal and usually through the center of a mobile telephone network, to the mobile telephone set of account holder 10.
  • a permitting or a prohibiting return message signal 12 is produced by the account holder 10, which will then be returned to the bank 30 through the telecommunication network, preferably in SMS or DTFM mode of operation or in the form of a tone signal.
  • a return signal understandable by a computer is produced at the bank 30, and an authorization override signal with a meaning of either permission or prohibition is generated, depending on the information content of the return signal.
  • bank 30 checks whether enough funds are available on a backing account 35 of the account holder 10 to cover the particular transaction, and accordingly, produces an authorizing signal with the appropriate meaning.
  • the bank 30 authorizes the use of the card by sending an authorizing signal 32 generated from the corresponding authorization signal with the appropriate meaning, then, at the occurrence of the use of the card, it also charges the backing account 35 of the account holder 10 with the consideration sum, which, together with a remittance 34, it also will credit to an account 36 of the authorization requester 20.
  • the acceptance of the order will be signaled back to the account holder 10 by the authorization requester 20 by sending an acknowledgement 22 with the appropriate meaning.
  • FIG. 2 is a flowchart of a second embodiment, given as an example, of the first version of the procedure according to the present invention to ensure authority where, besides account holder 110 and an authorization requester 120, shown in connection with Fig. 1 and having the functions described there, there are further participants, i.e. a bank 130 keeping an account 136 of the authorization requester 120, a bank 150 keeping an account 156 of the account holder 110, and an authorization network 140 connecting the two banks.
  • Account holder 110 is registered at the bank 130, and, among his registered data 135, the appropriate data required for establishing a quick connection with the account holder 110 through a telecommunication network are also stored.
  • a bank 130 keeping an account 136 of the authorization requester 120
  • a bank 150 keeping an account 156 of the account holder 110
  • an authorization network 140 connecting the two banks.
  • Account holder 110 is registered at the bank 130, and, among his registered data 135, the appropriate data required for establishing a quick connection with the account holder 110 through a t
  • account holder 110 preferably by establishing a computer connection, either personally or through a telephone or computer network, e.g. through the INTERNET network 100, submits his order and, at the same time, his bank card or his initiative 11 including the identification data of his bank card together with other data referring to the mode of payment to the requester of authorization 120, who requests an authorization permitting the use of the bank card by issuing, through his appropriate terminal, a request of authorization signal 121 to the bank 130.
  • an authorization override request signal is produced by the bank 130 using electronic data processing, and from this signal a message signal 131 , transmittable through a telecommunication network, is deducted, again by using electronic data processing, which message signal 131 is transmitted, preferably in SMS format, through an appropriate terminal and usually through the center of a mobile telephone network to the mobile telephone set of account holder 110.
  • message signal 31 is transmitted, preferably in SMS format, usually through the center of a mobile, telephone network to the mobile telephone set of account holder 110.
  • a permitting or a prohibiting return message signal 112 is produced by the account holder 110, which will then be returned to the bank 130 in the way described in connection with Fig. 1.
  • a signal 132 and an authorizing signal 141 deducted from signal 132 is sent through the authorization network 140 by the bank 130 to the principal bank 150 of account holder 110 keeping his card backing account 156, to which a return signal 151 with a meaning of permission or prohibition and an authorization signal 142 deducted from signal 151 will be received, also through the authorization network 140.
  • a return signal understandable by a computer is produced, and an authorization override signal with a meaning of either permission or prohibition is generated, depending on the information content of the return signal.
  • an authorization override signal with a meaning of either permission or prohibition is generated, depending on the information content of the return signal.
  • the use of the card is permitted by sending an authorizing signal 133 with a meaning which corresponds to the meaning of the authorizing signal 142 to the authorization requester 120.
  • the acceptance of the order will be signaled back to the account holder 110 by the authorization requester 120, by sending an acknowledgement 122 with the appropriate meaning.
  • FIG. 3 is a flowchart of an embodiment, given as an example, of the second version of the procedure according to the present invention to ensure authority where,, besides account holder 210 and an authorization requester 220 shown in connection with Fig. 1 and having the functions described there, there are further participants, i.e. a bank 230 keeping an account of authorization requester 220, a bank 250 keeping an account of account holder 210, and an authorization network 140 connecting the two banks. At the bank 250 data are also stored that are necessary for establishing quick connection with account holder 210.
  • account holder 210 preferably by establishing a computer connection, either personally or through a telephone or computer network, e.g.
  • Figure 4 is a flowchart of a third embodiment, given as an example, of the first version of the procedure according to the present invention to ensure authority, where connections exist among account holder 310, authorization requester 320, the principal bank 330 keeping the account of authorization requester 320, the principal bank 350 keeping the card backing account of account holder 310 and the authorization network 340 connecting the two banks, already shown in connection with Fig. 3 and each participant has the functions described there, with the addition that the data, required for establishing a quick connection with account holder 310 through a telecommunication network, are also stored in bank 350.
  • the purchase, the authorization of the card usage, the payment of the consideration sum and the acknowledgement of the purchase are carried out in a way described in connection with Fig. 3.
  • the difference is in the authorization overriding of the card usage which, in case of this example, is initiated by the bank 350 at receiving the authorization request
  • FIG. 5 illustrates such an embodiment of the procedure according to the present invention to ensure authority where connections exist among account holder 410, authorization requester 420, the principal bank 430 keeping the account of authorization requester 420, the principal bank 450 keeping the card backing account of account holder 410 and the authorization network 440 connecting the two banks, already shown in connection with Fig. 3 and 4 and each participant has the functions described there.
  • Data, required for establishing a quick connection with account holder 410 through a telecommunication network, are also stored in bank 450.
  • account holder 410 submits his order and, simultaneously, his card or his initiative 411 including the identification data of his card, together with other data referring to the mode of payment, by establishing a computer connection or in any other way described in more detail above, to the requester of authorization 420, which is usually a virtual warehouse or a certain kind of business partner. Based on the card identification data provided by account holder 410, authorization requester 420 sends an authorization override procedure initiating signal 421 to his own bank 430 through his own banking connection.
  • bank 430 uses the information contents of the authorization override procedure initiating signal 421, received through the authorization network 440, or that of signal 431 or signal 441 deducted from signal 421, bank 430 generates a message signal 451 and transmits this signal, e.g. by means of a mobile telephone network and preferably in SMS format, to the mobile telephone set of account holder 410.
  • account holder 410 sends a return signal 412 to the bank 450 which, by processing and returning it to bank 430, in the form of signal 452 or 442, sends an authorization procedure initiating signal 432 to the authorization requester 420.
  • authorization requester 420 sends an authorization requesting signal 422 to his principal bank 430.
  • principal bank 430 turns to principal bank 450 of account holder 410 with an authorization requesting message 423 or 443, through the clearing network 440.
  • bank 450 transmits usage authorizing signals 453 and 444 and, through the clearing network 440 and bank 430, an authorizing signal 434, too, with a meaning of corresponding to signal 412, to authorization requester 420.
  • the flowchart shown in Fig. 6 illustrates such an embodiment of the procedure according to the present invention to ensure authority where connections exist among account holder 510, authorization requester 520, the principal bank 530 keeping the account of authorization requester 520, the principal bank 550 keeping the card backing account of account holder 510 and the authorization network 540 ensuring the clearing connection between the two banks, already shown in connection with Fig. 3 and 4 and each participant has the functions described there.
  • Data required for establishing a quick connection with account holder 510 through a telecommunication network are also stored in bank 550.
  • account holder 510 submits his order and, simultaneously, his card or his initiative 511 including the identification data of his card together with other data referring to the mode of payment, by establishing a computer connection through the INTERNET 100 or any other network with similar functions, to the requester of authorization 520 which is usually a virtual warehouse or a certain kind of business partner.
  • authorization requester 520 sends an authorization override procedure initiating signal 521 to the principal bank 550 of account holder 510 through the INTERNET network 100.
  • bank 550 uses the information contents of the authorization override procedure initiating signal 521, bank 550 generates a message signal 551 and transmits this signal, e.g.
  • account holder 510 sends a return signal 512 to bank 550 which, by processing it, sends an authorization procedure initiating signal 552 by means of a computer link through the INTERNET network 100.
  • authorization requester 520 sends an authorization requesting signal 522 to the principal bank 530.
  • principal bank 530 turns to the principal bank 550 of account holder 510 with an authorization requesting message 531 or 541 , through the clearing network 540.
  • bank 550 In possession of and in accordance with the meaning of the return message signal 512 received from account holder 510 bank 550 transmits usage authorizing signals 553 and 542 and, through the clearing network 540 and bank 530, the authorizing signal 532, with a meaning of corresponding to signal 512, to authorization requester 520.
  • the card holder or the user of the device or the person having the right of disposal of the bank account always carries his telecommunication device, which can be a pager, a pager made suitable to reply, a telephone set in a coupled network or a mobile telephone set, or a telecommunication device developed specifically for this purpose, with him and operates it, and therefore, in case of proper use, there is a very slight chance of loosing or being stolen of his bank card or his other means providing a right of disposal of his bank account and his mobile telephone set at the same time. Furthermore, even such a person cannot use a bank card or other means, e.g.
  • a further advantage of the procedure is that the authorization overriding can be used efficiently not only in case of authorization requests or remittance orders received from POS terminals, but also in cases of authorization requests arriving, e.g. through a telecommunication network, from fax machines or from the remote terminal of a computer, too.
  • the procedure according to the present invention increases the length of time of the authorization process slightly only, and its extra costs are negligible compared to the increase of its security.

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  • Accounting & Taxation (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
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Abstract

La procédure de l'invention peut être utilisée à la fois pour autoriser de manière verbale ou électronique le pouvoir d'utiliser une carte bancaire, et pour effectuer une recherche du pouvoir d'un mandat, avant son exécution. L'essence de la procédure réside dans le fait que, avant chaque transaction voulue, en plus du signal d'autorisation bien connu visant à permettre l'utilisation de la carte ou à émettre un mandat, le signal d'autorisation est subordonné à un signal prioritaire d'autorisation, déduit d'un signal de message de retour obtenu préalablement du décisionnaire par l'intermédiaire d'un réseau de télécommunications, de préférence par l'intermédiaire d'un réseau de télécommunications mobile numérique, sous la forme d'un signal de message SMS, en réponse à un message de demande de priorité d'autorisation, et la transaction est autorisée au moyen du signal d'autorisation validé par le signal d'autorisation prioritaire et ayant la signification de celui-ci.
PCT/HU1998/000087 1997-09-17 1998-09-17 Procede de controle de l'utilisation legitime d'une carte de debit ou d'un moyen similaire donnant droit a disposer d'un compte bancaire WO1999014711A2 (fr)

Priority Applications (3)

Application Number Priority Date Filing Date Title
EP98946630A EP1021802A2 (fr) 1997-09-17 1998-09-17 Procede de controle de l'utilisation legitime d'une carte de debit ou d'un moyen similaire donnant droit a disposer d'un compte bancaire
CA002303893A CA2303893A1 (fr) 1997-09-17 1998-09-17 Procede de controle de l'utilisation legitime d'une carte de debit ou d'un moyen similaire donnant droit a disposer d'un compte bancaire
AU93624/98A AU9362498A (en) 1997-09-17 1998-09-17 Method for checking rightful use of a debit card or similar means giving right of disposing of a bank account

Applications Claiming Priority (6)

Application Number Priority Date Filing Date Title
HU9701553A HU9701553D0 (en) 1997-09-17 1997-09-17 Method for checking authorised use of credit cards or other devices having right of disposing of bank account
HUP9701553 1997-09-17
HU9702485A HU9702485D0 (en) 1997-12-17 1997-12-17 Method of controlling legality of use of a bank card or an other device having power of disposing of a bank account or being in command of a bank account
HUP9702485 1997-12-17
HUP9802109 1998-09-17
HU9802109A HU223427B1 (hu) 1997-09-17 1998-09-17 Eljárás bankkártya vagy más, bankszámla fölött rendelkezési jogot adó eszköz felhasználása jogosságának biztosítására

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WO1999014711A2 true WO1999014711A2 (fr) 1999-03-25
WO1999014711A3 WO1999014711A3 (fr) 1999-06-10

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EP (1) EP1021802A2 (fr)
AU (1) AU9362498A (fr)
CA (1) CA2303893A1 (fr)
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FR2792143A1 (fr) * 1999-04-12 2000-10-13 Sarl Smart Design Procede et systeme de securisation de l'utilisation de cartes comportant des moyens d'identification et/ou d'authentification
EP1087350A1 (fr) * 1999-09-22 2001-03-28 Trintech Limited Méthode pour transferts de paiement sécurisés
WO2001022374A1 (fr) * 1999-09-22 2001-03-29 Trintech Limited Procede de transfert de paiements securise
WO2001037594A1 (fr) * 1999-11-19 2001-05-25 Nokia Corporation Appareil et procede associe permettant de notifier automatiquement a une station mobile l'apparition d'un evenement de declenchement
WO2001055984A1 (fr) * 2000-01-28 2001-08-02 Fundamo (Proprietary) Limited Systeme electronique souple utile pour realiser des transactions commerciales
WO2001065432A2 (fr) * 2000-03-03 2001-09-07 Massimiliano Rijllo Procede et systeme d'achat de biens et services via un reseau de donnees distribue
WO2001065511A2 (fr) * 2000-03-01 2001-09-07 Passgate Corporation Procede, systeme et support lisible par un ordinateur pour compte de site web et gestion de commerce electronique a partir d'une implantation centrale
EP1134707A1 (fr) * 2000-03-17 2001-09-19 Tradesafely.com Limited Procédé et dispositif d'authorisation de paiement
WO2001069549A1 (fr) * 2000-03-17 2001-09-20 Tradesafely.Com Limited Procede et dispositif d'autorisation de paiement
WO2002007110A2 (fr) * 2000-07-17 2002-01-24 Connell Richard O Systeme et procede d'authentification d'un utilisateur autorise d'une carte de paiement, et autorisation d'une transaction par carte de paiement
WO2002011088A1 (fr) * 2000-07-07 2002-02-07 Tre Sigma S.R.L. Systeme d'integration de la nouvelle generation de systemes telephoniques (umts) dans le systeme de protection de carte de credit au travers d'un systeme de confirmation directe
WO2002013147A2 (fr) * 2000-08-09 2002-02-14 Deutsche Telekom Ag Procede de controle de processus de paiement par carte de credit
WO2002021767A1 (fr) * 2000-09-04 2002-03-14 Sonera Smarttrust Ltd Carte de paiement virtuelle
WO2002029742A1 (fr) * 2000-10-05 2002-04-11 Societe Ntsys Sa Mandataire de paiement securise internet avec validation par telephone mobile
FR2815745A1 (fr) * 2000-10-25 2002-04-26 Cedric Remy Procede de paiement par telematique securise
EP1211653A1 (fr) * 2000-12-01 2002-06-05 Atlinks Système de paiement de factures utilisant des réseaux téléphoniques
WO2002052460A1 (fr) * 2000-12-27 2002-07-04 Mark Christie Systeme de protection contre les fraudes par carte de credit ou de debit
WO2002075681A1 (fr) * 2001-03-16 2002-09-26 Koninklijke Philips Electronics N.V. Message electronique instantane d'utilisation de carte de credit servant d'element dissuasif
FR2827982A1 (fr) * 2001-07-27 2003-01-31 Smart Design Procede de securisation de transactions
EP1282090A1 (fr) * 2001-08-02 2003-02-05 Ascom Monetel Procédé et dispositif de sécurisation des transactions
EP1302917A2 (fr) * 2001-08-16 2003-04-16 Siemens Aktiengesellschaft Procédé et dispositif pour des paiements électroniques de produits ou de services, notamment pour une application sur un réseau de données
GB2381633A (en) * 2001-11-02 2003-05-07 Nokia Corp Controlling transactions
FR2833127A1 (fr) * 2001-12-05 2003-06-06 Mobileway Procede d'echange de donnees relatives a une transaction electrique
WO2003079258A1 (fr) * 2002-03-20 2003-09-25 Tan Kah Pheng Alex Systeme anti-fraude d'alerte par mobiles pour cartes de credit
GB2360383B (en) * 2000-03-17 2003-12-03 Tradesafely Com Ltd Payment authorisation method and apparatus
GB2398159A (en) * 2003-01-16 2004-08-11 David Glyn Williams Electronic payment authorisation using a mobile communications device
EP1150262A3 (fr) * 2000-04-26 2004-08-11 International Business Machines Corporation Paiement à l'aide d'un téléphone mobile de transactions commerciales basées sur un réseau
WO2004070492A2 (fr) * 2003-02-03 2004-08-19 Mega-Tel Ag/Sa Controle de transactions effectuees au moyen de cartes de credit
WO2004079676A1 (fr) * 2003-03-06 2004-09-16 Fortunatus Holdings Limited Systeme de transaction securise
EP1510984A2 (fr) * 2000-03-01 2005-03-02 Passgate Corporation Méthode, système et support lisible par un ordinateur pour compte de site web et gestion de commerce électronique à partir d'une implantation centrale
WO2006090176A1 (fr) * 2005-02-25 2006-08-31 Discount Computer Supplies Ltd Système de paiement de machine de vente
WO2007067351A1 (fr) * 2005-12-06 2007-06-14 Boncle, Inc. Gestion elargie d'un portefeuille electronique
EP1843289A1 (fr) * 2006-04-03 2007-10-10 Citicorp Development Center, Inc. Procédé et système pour avertir les clients d'opportunités de transactions
GB2438651A (en) * 2006-06-02 2007-12-05 Michael Arnold Secure financial transactions
EP1887503A1 (fr) * 2006-08-09 2008-02-13 Deutsche Telekom AG Procédé et système destinés à la réalisation d'un processus de paiement à l'aide d'un moyen de paiement
FR2908211A1 (fr) * 2006-11-08 2008-05-09 Paycool Int Ltd Procede et systeme de retrait d'argent a l'aide d'un telephone mobile
EP1921578A1 (fr) * 2006-11-13 2008-05-14 Yellow One Asset Management Ltd. Procédé et système de paiement entre l'acheteur et le vendeur au moyen d'un tiers
NL2001309C2 (nl) * 2008-02-22 2009-08-25 West 6 B V Werkwijze en systeem voor beveiliging van een transactie met een betaalautomaat.
US7865414B2 (en) 2000-03-01 2011-01-04 Passgate Corporation Method, system and computer readable medium for web site account and e-commerce management from a central location
WO2011076438A1 (fr) * 2009-12-23 2011-06-30 Wolfram Doering Procédé de communication électronique d'ordres de banque, et système de communication pour la mise en oeuvre de ce procédé
EA016997B1 (ru) * 2008-05-14 2012-09-28 Шин, Елена Ильинична Способ дистанционной аутентификации пользователя в компьютерных сетях для осуществления защищенных транзакций с использованием мобильного телефона
US8346678B1 (en) 2000-12-29 2013-01-01 Citicorp Development Center, Inc. Method and system for conducting commerce over a wireless communication network
EP2667343A1 (fr) * 2012-05-24 2013-11-27 Stefano Petta Procédé de gestion d' une autorisation d'une requête de transaction financière
US8783564B2 (en) 2005-03-11 2014-07-22 Calabrese Stemer Llc Transaction notification and authorization method
US9418381B2 (en) 2000-04-14 2016-08-16 Citigroup Credit Services, Inc. (USA) Method and system for notifying customers of transaction opportunities
EP3096274A2 (fr) * 2003-03-06 2016-11-23 Williams-King, Simone Système de transaction sécurisé
EP1218838B1 (fr) * 1999-09-07 2017-05-03 Mastercard International Incorporated Procede et systeme d'autorisation d'achats effectues sur un reseau informatique
US9749855B1 (en) 2000-01-13 2017-08-29 Citicorp Credit Services, Inc. (Usa) Method and system for conducting financial transaction and non-financial transactions using a wireless device

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Cited By (78)

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Publication number Priority date Publication date Assignee Title
WO2000057374A1 (fr) * 1999-03-24 2000-09-28 Ge Capital Financial, Inc. Systeme et procede de preautorisation pour des transactions effectuees a distance sur un compte individuel
GB2353390A (en) * 1999-03-25 2001-02-21 Ge Capital Financial Inc System and method for pre-authorization of individual account remote transactions
GB2353390B (en) * 1999-03-25 2003-11-12 Ge Capital Financial Inc System and method for pre-authorization of individual account remote transactions
FR2792143A1 (fr) * 1999-04-12 2000-10-13 Sarl Smart Design Procede et systeme de securisation de l'utilisation de cartes comportant des moyens d'identification et/ou d'authentification
WO2000062262A1 (fr) * 1999-04-12 2000-10-19 Sarl Smart Design Procede et systeme de securisation de l'utilisation de cartes comportant des moyens d'identification et/ou d'authentification
EP1218838B1 (fr) * 1999-09-07 2017-05-03 Mastercard International Incorporated Procede et systeme d'autorisation d'achats effectues sur un reseau informatique
US10127535B2 (en) 1999-09-07 2018-11-13 Mastercard International Incorporated Method of and system for authorizing purchases made over a computer network
EP1087350A1 (fr) * 1999-09-22 2001-03-28 Trintech Limited Méthode pour transferts de paiement sécurisés
WO2001022374A1 (fr) * 1999-09-22 2001-03-29 Trintech Limited Procede de transfert de paiements securise
WO2001037594A1 (fr) * 1999-11-19 2001-05-25 Nokia Corporation Appareil et procede associe permettant de notifier automatiquement a une station mobile l'apparition d'un evenement de declenchement
US6647272B1 (en) 1999-11-19 2003-11-11 Nokia Corporation Apparatus, and associated method, for automatically notifying a mobile station of occurrence of a triggering event
US9749855B1 (en) 2000-01-13 2017-08-29 Citicorp Credit Services, Inc. (Usa) Method and system for conducting financial transaction and non-financial transactions using a wireless device
WO2001055984A1 (fr) * 2000-01-28 2001-08-02 Fundamo (Proprietary) Limited Systeme electronique souple utile pour realiser des transactions commerciales
WO2001065511A3 (fr) * 2000-03-01 2002-04-25 Daniel Y Fung Procede, systeme et support lisible par un ordinateur pour compte de site web et gestion de commerce electronique a partir d'une implantation centrale
US7865414B2 (en) 2000-03-01 2011-01-04 Passgate Corporation Method, system and computer readable medium for web site account and e-commerce management from a central location
WO2001065511A2 (fr) * 2000-03-01 2001-09-07 Passgate Corporation Procede, systeme et support lisible par un ordinateur pour compte de site web et gestion de commerce electronique a partir d'une implantation centrale
EP1510984A2 (fr) * 2000-03-01 2005-03-02 Passgate Corporation Méthode, système et support lisible par un ordinateur pour compte de site web et gestion de commerce électronique à partir d'une implantation centrale
US6879965B2 (en) 2000-03-01 2005-04-12 Passgate Corporation Method, system and computer readable medium for web site account and e-commerce management from a central location
EP1510984A3 (fr) * 2000-03-01 2005-06-08 Passgate Corporation Méthode, système et support lisible par un ordinateur pour compte de site web et gestion de commerce électronique à partir d'une implantation centrale
US10102521B2 (en) 2000-03-01 2018-10-16 Gula Consulting Limited Liability Company Method, system and computer readable medium for web site account and e-commerce management from a central location
US7702578B2 (en) 2000-03-01 2010-04-20 Passgate Corporation Method, system and computer readable medium for web site account and e-commerce management from a central location
WO2001065432A2 (fr) * 2000-03-03 2001-09-07 Massimiliano Rijllo Procede et systeme d'achat de biens et services via un reseau de donnees distribue
WO2001065432A3 (fr) * 2000-03-03 2002-09-06 Massimiliano Rijllo Procede et systeme d'achat de biens et services via un reseau de donnees distribue
GB2360383B (en) * 2000-03-17 2003-12-03 Tradesafely Com Ltd Payment authorisation method and apparatus
WO2001069549A1 (fr) * 2000-03-17 2001-09-20 Tradesafely.Com Limited Procede et dispositif d'autorisation de paiement
EP1134707A1 (fr) * 2000-03-17 2001-09-19 Tradesafely.com Limited Procédé et dispositif d'authorisation de paiement
US9418381B2 (en) 2000-04-14 2016-08-16 Citigroup Credit Services, Inc. (USA) Method and system for notifying customers of transaction opportunities
US8145566B1 (en) 2000-04-14 2012-03-27 Citicorp Development Center, Inc. Method and system for notifying customers of transaction opportunities
US8032453B2 (en) 2000-04-14 2011-10-04 Citicorp Development Center, Inc. Method and system for notifying customers of transaction opportunities
EP1150262A3 (fr) * 2000-04-26 2004-08-11 International Business Machines Corporation Paiement à l'aide d'un téléphone mobile de transactions commerciales basées sur un réseau
WO2002011088A1 (fr) * 2000-07-07 2002-02-07 Tre Sigma S.R.L. Systeme d'integration de la nouvelle generation de systemes telephoniques (umts) dans le systeme de protection de carte de credit au travers d'un systeme de confirmation directe
WO2002007110A3 (fr) * 2000-07-17 2002-06-20 Richard O'connell Systeme et procede d'authentification d'un utilisateur autorise d'une carte de paiement, et autorisation d'une transaction par carte de paiement
WO2002007110A2 (fr) * 2000-07-17 2002-01-24 Connell Richard O Systeme et procede d'authentification d'un utilisateur autorise d'une carte de paiement, et autorisation d'une transaction par carte de paiement
WO2002013147A2 (fr) * 2000-08-09 2002-02-14 Deutsche Telekom Ag Procede de controle de processus de paiement par carte de credit
WO2002013147A3 (fr) * 2000-08-09 2003-07-31 Deutsche Telekom Ag Procede de controle de processus de paiement par carte de credit
WO2002021767A1 (fr) * 2000-09-04 2002-03-14 Sonera Smarttrust Ltd Carte de paiement virtuelle
FR2815203A1 (fr) * 2000-10-05 2002-04-12 Ntsys Mandataire de paiement securise internet avec validation par telephone mobile
WO2002029742A1 (fr) * 2000-10-05 2002-04-11 Societe Ntsys Sa Mandataire de paiement securise internet avec validation par telephone mobile
FR2815745A1 (fr) * 2000-10-25 2002-04-26 Cedric Remy Procede de paiement par telematique securise
WO2002035486A1 (fr) * 2000-10-25 2002-05-02 Remy Cedric Procede de paiement par telematique securise
EP1211653A1 (fr) * 2000-12-01 2002-06-05 Atlinks Système de paiement de factures utilisant des réseaux téléphoniques
WO2002052460A1 (fr) * 2000-12-27 2002-07-04 Mark Christie Systeme de protection contre les fraudes par carte de credit ou de debit
US8346677B1 (en) 2000-12-29 2013-01-01 Citicorp Development Center, Inc. Method and system for conducting commerce over a wireless communication network
US8346678B1 (en) 2000-12-29 2013-01-01 Citicorp Development Center, Inc. Method and system for conducting commerce over a wireless communication network
WO2002075681A1 (fr) * 2001-03-16 2002-09-26 Koninklijke Philips Electronics N.V. Message electronique instantane d'utilisation de carte de credit servant d'element dissuasif
FR2827982A1 (fr) * 2001-07-27 2003-01-31 Smart Design Procede de securisation de transactions
WO2003012703A3 (fr) * 2001-07-27 2003-11-20 Smart Design Procede de securisation de transactions
WO2003012703A2 (fr) * 2001-07-27 2003-02-13 Smart Design Procede de securisation de transactions
EP1282090A1 (fr) * 2001-08-02 2003-02-05 Ascom Monetel Procédé et dispositif de sécurisation des transactions
FR2828309A1 (fr) * 2001-08-02 2003-02-07 Ascom Monetel Procede et dispositif de securisation des transactions
EP1302917A2 (fr) * 2001-08-16 2003-04-16 Siemens Aktiengesellschaft Procédé et dispositif pour des paiements électroniques de produits ou de services, notamment pour une application sur un réseau de données
EP1302917A3 (fr) * 2001-08-16 2004-01-02 Siemens Aktiengesellschaft Procédé et dispositif pour des paiements électroniques de produits ou de services, notamment pour une application sur un réseau de données
GB2381633A (en) * 2001-11-02 2003-05-07 Nokia Corp Controlling transactions
FR2833127A1 (fr) * 2001-12-05 2003-06-06 Mobileway Procede d'echange de donnees relatives a une transaction electrique
WO2003048984A2 (fr) * 2001-12-05 2003-06-12 Mobileway Procede d'echange de donnees relatives a une transaction electronique
WO2003048984A3 (fr) * 2001-12-05 2004-02-19 Mobileway Procede d'echange de donnees relatives a une transaction electronique
US8712865B2 (en) 2001-12-05 2014-04-29 Sybase 365, Inc. Method for exchanging data concerning an electronic transaction
US8359242B2 (en) 2001-12-05 2013-01-22 Sybase 368, Inc. Method for exchanging data concerning an electronic transaction
WO2003079258A1 (fr) * 2002-03-20 2003-09-25 Tan Kah Pheng Alex Systeme anti-fraude d'alerte par mobiles pour cartes de credit
GB2398159A (en) * 2003-01-16 2004-08-11 David Glyn Williams Electronic payment authorisation using a mobile communications device
WO2004070492A2 (fr) * 2003-02-03 2004-08-19 Mega-Tel Ag/Sa Controle de transactions effectuees au moyen de cartes de credit
WO2004070492A3 (fr) * 2003-02-03 2005-01-13 Mega Tel Ag Sa Controle de transactions effectuees au moyen de cartes de credit
WO2004079676A1 (fr) * 2003-03-06 2004-09-16 Fortunatus Holdings Limited Systeme de transaction securise
EP3096274A2 (fr) * 2003-03-06 2016-11-23 Williams-King, Simone Système de transaction sécurisé
WO2006090176A1 (fr) * 2005-02-25 2006-08-31 Discount Computer Supplies Ltd Système de paiement de machine de vente
US8783564B2 (en) 2005-03-11 2014-07-22 Calabrese Stemer Llc Transaction notification and authorization method
WO2007067351A1 (fr) * 2005-12-06 2007-06-14 Boncle, Inc. Gestion elargie d'un portefeuille electronique
EP1843289A1 (fr) * 2006-04-03 2007-10-10 Citicorp Development Center, Inc. Procédé et système pour avertir les clients d'opportunités de transactions
GB2438651A (en) * 2006-06-02 2007-12-05 Michael Arnold Secure financial transactions
EP1887503A1 (fr) * 2006-08-09 2008-02-13 Deutsche Telekom AG Procédé et système destinés à la réalisation d'un processus de paiement à l'aide d'un moyen de paiement
FR2908211A1 (fr) * 2006-11-08 2008-05-09 Paycool Int Ltd Procede et systeme de retrait d'argent a l'aide d'un telephone mobile
WO2008065271A3 (fr) * 2006-11-08 2008-09-25 Paycool Int Ltd Procede et systeme de retrait d'argent a l'aide d'un telephone mobile
WO2008065271A2 (fr) * 2006-11-08 2008-06-05 Paycool International Limited Procede et systeme de retrait d'argent a l'aide d'un telephone mobile
EP1921578A1 (fr) * 2006-11-13 2008-05-14 Yellow One Asset Management Ltd. Procédé et système de paiement entre l'acheteur et le vendeur au moyen d'un tiers
NL2001309C2 (nl) * 2008-02-22 2009-08-25 West 6 B V Werkwijze en systeem voor beveiliging van een transactie met een betaalautomaat.
EA016997B1 (ru) * 2008-05-14 2012-09-28 Шин, Елена Ильинична Способ дистанционной аутентификации пользователя в компьютерных сетях для осуществления защищенных транзакций с использованием мобильного телефона
WO2011076438A1 (fr) * 2009-12-23 2011-06-30 Wolfram Doering Procédé de communication électronique d'ordres de banque, et système de communication pour la mise en oeuvre de ce procédé
EP2667343A1 (fr) * 2012-05-24 2013-11-27 Stefano Petta Procédé de gestion d' une autorisation d'une requête de transaction financière

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AU9362498A (en) 1999-04-05
HUP9802109A1 (hu) 1999-04-28
HU9802109D0 (en) 1998-11-30
CA2303893A1 (fr) 1999-03-25
EP1021802A2 (fr) 2000-07-26
WO1999014711A3 (fr) 1999-06-10
HU223427B1 (hu) 2004-06-28

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