WO2002013147A3 - Procede de controle de processus de paiement par carte de credit - Google Patents

Procede de controle de processus de paiement par carte de credit Download PDF

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Publication number
WO2002013147A3
WO2002013147A3 PCT/EP2001/007698 EP0107698W WO0213147A3 WO 2002013147 A3 WO2002013147 A3 WO 2002013147A3 EP 0107698 W EP0107698 W EP 0107698W WO 0213147 A3 WO0213147 A3 WO 0213147A3
Authority
WO
WIPO (PCT)
Prior art keywords
credit card
mobile radio
card holder
sms
radio telephone
Prior art date
Application number
PCT/EP2001/007698
Other languages
German (de)
English (en)
Other versions
WO2002013147A2 (fr
Inventor
Michael Rinschen
Original Assignee
Deutsche Telekom Ag
Michael Rinschen
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 Deutsche Telekom Ag, Michael Rinschen filed Critical Deutsche Telekom Ag
Publication of WO2002013147A2 publication Critical patent/WO2002013147A2/fr
Publication of WO2002013147A3 publication Critical patent/WO2002013147A3/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
    • G06Q20/04—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
    • G06Q20/30—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
    • G06Q20/326—Payment applications installed on the mobile 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
    • G06Q20/322—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
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
    • 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

Landscapes

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

Abstract

Des dommages causés par une utilisation non autorisée de cartes de crédit peuvent être limités de manière d'autant plus efficace que le propriétaire de la carte de crédit signale rapidement une utilisation non autorisée à l'organisme ayant émis la carte. Des procédés connus de contrôle de la possession de la carte de crédit ou d'identification de l'utilisateur n'ont pas pu être mis en pratique de manière satisfaisante. Des cartes de blocage de compte et un blocage de compte signalé dépendent du facteur temporel de l'enregistrement d'une utilisation non autorisée. La présente invention concerne un procédé permettant de contrôler les processus de paiement par carte de crédit quasiment simultanément avec l'opération effectuée par le propriétaire de la carte de crédit. Ledit procédé fait intervenir le service de messages courts (SMS) connu en téléphonie mobile, de manière que les processus de paiement peuvent être affichés en temps réel sur l'écran du téléphone mobile du propriétaire de la carte de crédit. Un centre de transfert du réseau de téléphonie mobile travaille en association avec les organismes émetteurs de cartes et envoie les données des processus de paiement en tant qu'informations SMS aux téléphones mobiles des propriétaires de cartes de crédit. L'utilisation dudit procédé est possible de manière analogique dans le réseau fixe dès lors qu'un service de type SMS est disponible.
PCT/EP2001/007698 2000-08-09 2001-07-05 Procede de controle de processus de paiement par carte de credit WO2002013147A2 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
DE10039572A DE10039572A1 (de) 2000-08-09 2000-08-09 Verfahren zur Überprüfung von Zahlungsvorgängen mit Kreditkarten
DE10039572.4 2000-08-09

Publications (2)

Publication Number Publication Date
WO2002013147A2 WO2002013147A2 (fr) 2002-02-14
WO2002013147A3 true WO2002013147A3 (fr) 2003-07-31

Family

ID=7652306

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/EP2001/007698 WO2002013147A2 (fr) 2000-08-09 2001-07-05 Procede de controle de processus de paiement par carte de credit

Country Status (2)

Country Link
DE (1) DE10039572A1 (fr)
WO (1) WO2002013147A2 (fr)

Families Citing this family (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
DE10304265A1 (de) * 2003-02-03 2004-08-26 Mega-Tel Ag Kontrolle von Kreditkarten-Transaktionen
DE10331733A1 (de) * 2003-07-11 2005-01-27 Rene Lehmann Bezahlsystem
WO2009157003A1 (fr) * 2008-06-26 2009-12-30 Suresh Babubhai Kapadia Système et procédé pour empêcher le détournement d'une carte de crédit/carte de débit volée, perdue, reproduite, falsifiée ou contrefaite
CN103827902A (zh) * 2013-03-18 2014-05-28 深圳市银信网银科技有限公司 一种网络支付的方法及系统
RU2013116643A (ru) * 2013-04-12 2014-10-20 Гуров Александр Ефимович Знак оплаты со способом, применением и системой платежей

Citations (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
DE4426428A1 (de) * 1994-05-19 1995-11-23 Wong Kam Fu Sicherheitssystem
US5530438A (en) * 1995-01-09 1996-06-25 Motorola, Inc. Method of providing an alert of a financial transaction
WO1998047116A1 (fr) * 1997-04-15 1998-10-22 Telefonaktiebolaget Lm Ericsson (Publ) Procede et appareil de paiement par telecommunications/transmission de donnees
WO1999010844A1 (fr) * 1997-08-12 1999-03-04 Rolf Rising Systeme de debit, de collecte et de distribution de taxes de stationnement
WO1999014711A2 (fr) * 1997-09-17 1999-03-25 Andrasev Akos 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
WO1999023617A2 (fr) * 1997-11-04 1999-05-14 Gilles Kremer Procede de transmission d'information et serveur le mettant en oeuvre
US6064990A (en) * 1998-03-31 2000-05-16 International Business Machines Corporation System for electronic notification of account activity

Patent Citations (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
DE4426428A1 (de) * 1994-05-19 1995-11-23 Wong Kam Fu Sicherheitssystem
US5530438A (en) * 1995-01-09 1996-06-25 Motorola, Inc. Method of providing an alert of a financial transaction
WO1998047116A1 (fr) * 1997-04-15 1998-10-22 Telefonaktiebolaget Lm Ericsson (Publ) Procede et appareil de paiement par telecommunications/transmission de donnees
WO1999010844A1 (fr) * 1997-08-12 1999-03-04 Rolf Rising Systeme de debit, de collecte et de distribution de taxes de stationnement
WO1999014711A2 (fr) * 1997-09-17 1999-03-25 Andrasev Akos 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
WO1999023617A2 (fr) * 1997-11-04 1999-05-14 Gilles Kremer Procede de transmission d'information et serveur le mettant en oeuvre
US6064990A (en) * 1998-03-31 2000-05-16 International Business Machines Corporation System for electronic notification of account activity

Also Published As

Publication number Publication date
DE10039572A1 (de) 2002-03-28
WO2002013147A2 (fr) 2002-02-14

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