WO2002039402A1 - Procede de transaction financiere - Google Patents

Procede de transaction financiere Download PDF

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Publication number
WO2002039402A1
WO2002039402A1 PCT/AU2001/001449 AU0101449W WO0239402A1 WO 2002039402 A1 WO2002039402 A1 WO 2002039402A1 AU 0101449 W AU0101449 W AU 0101449W WO 0239402 A1 WO0239402 A1 WO 0239402A1
Authority
WO
WIPO (PCT)
Prior art keywords
card
customer
transaction
pin
network
Prior art date
Application number
PCT/AU2001/001449
Other languages
English (en)
Inventor
Howard Mark Gardener
Perry Ihaka Thompson
Darcy Lester Flynn
Original Assignee
Nowcard International Limited
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 AU71474/00A external-priority patent/AU728644B3/en
Priority claimed from AUPR1321A external-priority patent/AUPR132100A0/en
Priority claimed from AU71568/00A external-priority patent/AU729727B3/en
Priority claimed from AUPR1433A external-priority patent/AUPR143300A0/en
Application filed by Nowcard International Limited filed Critical Nowcard International Limited
Priority to AU2002214801A priority Critical patent/AU2002214801A1/en
Publication of WO2002039402A1 publication Critical patent/WO2002039402A1/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
    • G06Q20/22—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
    • G06Q20/04—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
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking 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
    • 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
    • G06Q20/22—Payment schemes or models
    • G06Q20/28—Pre-payment schemes, e.g. "pay before"
    • 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

Definitions

  • THIS INVENTION relates to a financial transaction method.
  • the method is particularly suitable for, but not limited to, the deposit of cash for future purposes.
  • the invention also relates to a secure financial transaction method.
  • the method is particularly suitable for, but not limited to, a method for the purchase of goods and/or services where the customer maintains his/her identity secret from (or not accessible by) the supplier or service provider.
  • Some of the major problems associated with accessing some Internet sites is that most customers do not want their personal and/or credit card details listed on-line for the following reasons: a) fraudulent use of the credit cards or details; b) the card information and personal details are recorded and kept by the on-line supplier; c) a "profile" of the customer/card user is built up by many on-line suppliers giving/selling the information for "mailing lists", etc; d) users of "adult sites” are concerned that their information
  • One further object is to provide a method employing a card which, by requiring a password, and an ever-changing pin number, will provide greater security against fraudulent use of a card.
  • One further object is to provide a method employing a card, where all possible personal information given by the Card Applicant to the Card Supplier, will be held Offline, with no Internet or Online connection.
  • One further preferred object of the method to employ a card, as another security option, not having the Bank, or financial institution, on the Card, to reduce the avenues for "hackers".
  • One still preferred object of the method is to employ a card, as another security option, not having the name of the Cardholder on the Card. This would significantly reduce the possibility of "hacking" and/or fraudulent / unauthorised access to the Cardholder's personal information.
  • One still preferred object of the method is to employ a card, as another security option, providing security "fire-walls”, or “breaks", between the Card operator and the Card's financial institution.
  • One preferred aspect of the method employing the card is to have a PIN # that changes as the balance of the card reaches a predetermined target amount eg, $500 or $1000, etc. (This aspect of the Card would allow someone to save to the target amount, with that PIN #, and obtain a new card to start saving for another target.)
  • Another preferred option would be, when the "initial target" amount is reached on one PIN #, the PIN # changes and the subsequent deposited amounts are under a new PIN #.
  • the Cardholder has to use the initial pin #, thereby alerting the Cardholder to the fact that they are now below their initial target balance.
  • One preferred object of the method could be no fees and charges, so the money remains in the Cardholder's account and does not get consumed. This aspect of the Card is very appealing to most consumers who are trying to hold onto their money.
  • Debit cards are usually only obtained by people who have a long association with a Bank, or who are "invited” to have a debit card, by their Bank or Financial Institution.
  • One preferred object of the method is that a person can deposit their money onto the Card and immediately become an Online purchaser, or a retail purchaser, without needing to satisfy the Bank's (etc) requirements.
  • One preferred object of the new method allows these people to DEPOSIT their money onto the Card, and also to have card access to Internet purchases and retail purchases.
  • Deposits can be made via the Card participants, without the need for a Bank, or the Bank's fees, charges or card requirements.
  • this Card does not specific Bank buildings, staff, etc, this Card can replace a Bank in small towns, and eliminate the fees and charges associated with Banks.
  • One preferred object of the new method is as the cash-less card that is trying to be utilised for small cash items, like buses, trains, newspapers, etc.
  • the major setback for many types of cash-less cards can be the problem of keeping track of the balance and depositing funds accordingly.
  • a Card holder could be allocated a pro-rata number of "free" cash-less transactions, subject to the main Card use, balance, etc.
  • One preferred object of the method is to provide an Incentive Savings Card which would encourage people to save. If the savings money is on a Card, it is less plausible than cash in the hand, thereby the tendency is to not spend. Today, savings are eroded by many of the Bank (etc) accounts. This aspect of the Card could encourage people to save, without excessive fees and/or charges.
  • a major security and/or fraud problem with credit or debit cards occurs when card users phone their details to order products / services like ticket reservations, pizza delivery, etc.
  • One preferred object of the method is the ability to more safely use the card on the phone.
  • This new card having password and pin# access by way of the alpha-numerical phone keypad, virtually eliminates the possibility of someone listening in on your card # and information as you speak over the phone. Much safer security against fraud.
  • One preferred object of the new method would be to create a new style Card which has the convenience of deposit at "Point of Sale” outlets, and also the ease of ATM withdrawals. This type of Card does not exist today, and would have an enormous advantage of being able to deposit funds through a multitude of "Point of Sale” outlets without needing to deposit at your particular Bank, etc.
  • One preferred object of the method is to install the Card Acceptor machines in the workplace, where the employee's wages, part wages, etc, could be deposited onto their Card without any fees or charges. This would save money for the employee and also allow the safety afforded by not carrying large amounts of cash around on pay day.
  • One preferred object of the method would be for pension or social security recipients to nominate the new Card as their account.
  • This Card would enable people who may not have a credit type card, or who live in remote areas, to access Online shopping, purchase ticket reservations, etc, over the phone, use the Card locally, even in areas without a Bank, etc.
  • the present invention resides in a financial transaction method including: issuing a transaction Card (or other data carrier) to a customer who has a password and/or an initial PIN (Personal Identification Number); passing (or integrating or reading) the Card through a Card acceptor at a participant Service provider, the Card acceptor having connection to a network and having a PIN and/or code to identify the particular service provider; the customer entering the password and/or PIN and the service provider entering the amount of cash deposited (or withdrawn) and/or the amount of goods / services purchased; and the Card acceptor issuing a first receipt or transaction record to the service provider recording the transaction, and a second receipt or transaction record to the customer recording the transaction and (optionally) issuing a new PIN to be entered for the next transaction.
  • a transaction Card or other data carrier
  • PIN Personal Identification Number
  • the Card which may have a barcode, magnetic strip and/or other data carrier, has no indicia indicating (a) the name or other identifying details of the customer, (b) the name / address of the financial institution (eg, bank or credit unit) where the customer's funds are held, and (c) the type of account.
  • the only printed indicia on the Card may be a card identity number eg, 123456789.
  • the customer's password and initial PIN may be selected by the customer and/or allocated to the customer.
  • the customer's password may contain a string of letters and/or digits entered via eg, an alpha-numerical keypad on the Card acceptor.
  • each PIN number has at least four digits, which are entered via the keypad.
  • the present invention resides in a secure financial transaction method including: issuing a transaction card (or other data carrier) to a customer who has a password and/or an initial PIN, the card having no information or data thereon identifying the customer or details thereof; passing (or interrogating or reading) the card through a card acceptor in connection to a network connectable to a plurality of sites providing goods and/or services; the customer entering the password and/or PIN together with the goods and/or services to be provided; and the card acceptor issuing a receipt or transaction record to the customer recording the transaction and (optionally) issuing a new PIN to be entered for the next transaction.
  • the network will preferably transfer funds to the supplier/service provider for the purchase of the goods and/or services but will not transmit details of the customer's account from which the funds are drawn. For example, when the customer initiates the transaction, the relevant funds (and any service fees) may be initially drawn from the customer's account and placed in a trust or escrow account operated by the network, and the funds remitted to the supplier/service provider are drawn from the trust or escrow amount operated by the network.
  • the customer may provide a delivery address eg, a post office box or a physical collection address eg, operated by a transport or consignment company from which the customer can collect the goods on provision of suitable identity eg, via the card.
  • a delivery address eg, a post office box or a physical collection address eg, operated by a transport or consignment company from which the customer can collect the goods on provision of suitable identity eg, via the card.
  • the card which may have a bar code, magnetic strip and/or other data carrier, has no indicia indicating
  • the only printed indicia on the card may be a card identity number eg, 123456789.
  • the customer's password and initial PIN may be selected by the customer and/or allocated to the customer.
  • the customer's password may contain a string of letters and/or digits entered by eg, a alpha-numeric or keypad on the card acceptor.
  • each PIN number has at least four digits which are entered by the keypad.
  • the transaction record may be an e-mail or other form of communication or suitable transaction record.
  • the customer's receipt may optionally display the customer's current balance after the transaction, and the new PIN generated may be that balance amount (eg, with a currency sign and decimal point omitted ie, a new PIN # 150760 indicates a new credit balance of $1507.60 in the customer's account).
  • the card acceptor may be connected to the customer's computer, from where the customer sends their card details, password and PIN to the network via the Internet. The order is then despatched by the network to the supplier or service provider under an e-mail address operated by the network.
  • the Card acceptor has two printer heads, where one head prints the customer's receipt so that the information thereon is not viewable to the service provider; while the second head prints the secure provider's receipt.
  • the Card acceptor has a single printing head which prints both receipts.
  • the transaction record may be an e-mail or other form of communication or transaction record.
  • the customer's receipt may optionally display the customer's current balance after the transaction, and the new PIN generated may be that balance amount (eg, with the decimal point omitted ie, a new PIN # 150760 indicates a new credit balance of
  • the present invention resides in a transaction card suitable for the above methods.
  • FIG. 1 is a schematic diagram of the steps of a first embodiment of the method.
  • FIG. 2 is a similar design of the second embodiment. DETAILED DESCRIPTION OF THE
  • the first embodiment of the method of the present invention incorporates the following steps.
  • the user/applicant applies for a card (or future type card) via
  • the personal Applicant's details are kept secret and separate from any medium.
  • the information is ONLY kept for future reference eg, if the card is lost or stolen, etc. This is a major difference to most credit, debit cards, etc, today as there are many instances where the information is given (or sold) as mailing lists.
  • This Card may only have a number, not the Bank or the Cardholder's name. 2. Holder receives card via POST mail only, reducing the risk of Online fraud.
  • the Applicant's password and initial pin # are obviously not with the Card.
  • Cardholder can now deposit cash amount(s) via their Card access password and pin #, at any time, through "designated outlets” with eg, EFTPOS, EFTNET or similar (Electronic Funds Transfer Point of Sale)
  • Card acceptors (which can be existing or specially supplied to outlets) at service stations, post offices, stores, merchants, etc, who are the participant Card service providers, Australia wide and/or worldwide.
  • Card owner keys in their password and gives the amount of deposit to the supplier, the amount is then registered, and a new pin number is generated for the deposit and a receipt containing the new pin # is generated only for customer.
  • the "supplier” or “Card Acceptor provider” would have a “supplier's pin / code number” to "authorise” the correct deposit amount. This, in conjunction with the Cardholder's receipt, would eliminate the chance of someone entering a larger amount than the cash paid to the supplier and/or any discrepancies in the amount deposited.
  • the Card Acceptor machine system generates a pin number, which is printed ONLY on the receipt for the customer.
  • the supplier does not see any numbers at any stage reducing the risk of fraud.
  • the "supplier” receives a receipt for the amount for his records and remittance.
  • the new balance may, or may not, at the customer's option, be printed on the new receipt.
  • Another option is to allow the Cardholder to deposit a fixed amount eg, $50, $100, etc, and then use that amount on that pin #. When the money has been spent, they can deposit another amount and receive a new pin #.
  • the Cardholder can now go shopping Online on the
  • Cardholder uses a combination of their password, which is known only to the Cardholder, and the pin (or any other system we develop) Online or in any other situation where the Card is accepted.
  • the goods or services are dispatched according to the Cardholders' directions.
  • Card acceptor and the secure server can be encrypted (eg, 128 bit encryption) to increase security.
  • the mere access to a customer's card would not enable a third party to access the funds held in the Card owner's account. Indeed, the third party would not have access to the Card owners's identify; or to the location (eg, financial institution) or type of account to which the Card is linked.
  • the customer applies for a card for use with the method on the network.
  • the customer's personal details are kept secret and separate from any medium.
  • the information is only kept (by the network) for future reference eg, if the card is lost or stolen etc.
  • the card only has an identifying number (or code) and does not include the customer's details or any details of the customer's financial accounts.
  • the customer receives the card by mail or courier only, reducing the risk of on-line fraud.
  • the customer's password and initial PIN are delivered separately from the card.
  • the password and/or initial PIN may be selected by the customer and/or be allocated to the customer.
  • the customer may be required to provide suitable identification eg, proof of age (when applying for the card)to establish that the customer is entitled to access such sites.
  • the customer can deposit funds to enable the purchase of goods and/or services at a whole range of service providers connected to the network.
  • service providers may include post offices; service stations; retail stores; video hire stores or other outlets to provide with a suitable card reader.
  • the service provider When any such funds are deposited, the service provider "swipes" the card through a card acceptor; and the customer keys in their password and PIN and hands the cash to the service provider, who enters the amount into the card acceptor. That data, together with a code and/or PIN identifying the service provider, is transmitted by the card acceptor to the network and is acknowledged by the issuing of a first receipt by the card acceptor to the service provider acknowledging the deposit of the funds, and a second receipt to the customer acknowledging the receipt of the funds, (optionally) the new credit balance in his/her account and further (optionally) a new PIN number to be used for the next transaction.
  • the card When a customer wishes to purchase goods and/or services, the card is swiped through the card acceptor and details of the intended purchase(s) are entered preferably via an alpha-numeric keyboard on the card acceptor, or on a computer terminal connected thereto.
  • the customer can provide a delivery address which is a postal address or a physical delivery address (eg, transport or consignment company depot) which has no connection to the customer.
  • a delivery address which is a postal address or a physical delivery address (eg, transport or consignment company depot) which has no connection to the customer.
  • the funds for the purchase are transferred from the customer's bank account to a "transfer" or trust account within the network (or from the customer's funds deposited with the network), and the order is transmitted to the supplier or service provider together with the payment details from this intermediate account.
  • the nexus between the customer's bank account (or credit card account) and the supplier/service provider is broken, with the service supplier/service provider being ensured of receiving the funds which are "guaranteed" by the network.
  • the network would only transmit the order to the supplier/service provider when it has determined that the customer has sufficient funds therefor.
  • the supplier can then arrange despatch and delivery of the goods to the designated address or the service provider can provide the services eg, providing access to an adult Internet site.
  • the supplier or service provider establish any details of the customer. At most, they will have the customer's card number, and this will not provide any identity to the customer, and any additional charges which the supplier or service provider may try to apply against that card number will be rejected by the network as the purchases have not been ordered and/or authorised by the customer.
  • the benefits of the method and the associated card include a) absolute on-line security; b) 24 hour access; c) anonymous on-line access; d) customer's, even in remote locations, can access the system as they can deposit funds through service providers such as service stations, post offices, corner stores and locations where no Banks operate; e) any unauthorised on-line charges are controlled; f) the card access PIN can be constantly changed, if the customer chooses, to prevent any unauthorised extra charges being made on the last used information.

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

Abstract

L'invention concerne un procédé de transaction financière permettant à un client de déposer des fonds auprès de plusieurs fournisseurs de service autorisés. Une carte client (sans élément imprimé permettant d'identifier le client ou l'institution financière de ce dernier) est 'glissée' dans un accepteur de carte, le client introduit un mot de passe et un numéro d'identification personnelle (NIP), le fournisseur de service introduit le montant déposé et l'accepteur de carte transmet l'information ainsi que le code identifiant le fournisseur de service au réseau. Des reçus respectifs sont issus pour le fournisseur source et le client, ce dernier pouvant recevoir un nouveau NIP pour la transaction suivante. Pour un procédé de transaction financière sécurisé, le client accède à un réseau par l'intermédiaire d'un terminal auprès de n'importe quel fournisseur de service choisi relié au réseau, à l'aide d'une carte ne présentant aucun indice permettant d'identifier le client ou ses comptes financiers. Le client introduite un mot de passe et un NIP et autorise la fourniture de biens/services par l'intermédiaire du réseau de manière que le fournisseur de biens/services ne puisse identifier le client réel.
PCT/AU2001/001449 2000-11-08 2001-11-08 Procede de transaction financiere WO2002039402A1 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU2002214801A AU2002214801A1 (en) 2000-11-08 2001-11-08 Financial transaction method

Applications Claiming Priority (8)

Application Number Priority Date Filing Date Title
AU71474/00 2000-11-08
AUPR1321 2000-11-08
AU71474/00A AU728644B3 (en) 2000-11-08 2000-11-08 Financial transaction method
AUPR1321A AUPR132100A0 (en) 2000-11-08 2000-11-08 Financial transaction method
AU71568/00 2000-11-10
AU71568/00A AU729727B3 (en) 2000-11-10 2000-11-10 Secure financial transaction method
AUPR1433A AUPR143300A0 (en) 2000-11-10 2000-11-10 Secure financial transaction method
AUPR1433 2000-11-10

Publications (1)

Publication Number Publication Date
WO2002039402A1 true WO2002039402A1 (fr) 2002-05-16

Family

ID=27423766

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/AU2001/001449 WO2002039402A1 (fr) 2000-11-08 2001-11-08 Procede de transaction financiere

Country Status (2)

Country Link
AU (1) AU2002214801A1 (fr)
WO (1) WO2002039402A1 (fr)

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2007029123A2 (fr) * 2005-07-08 2007-03-15 Secoren Limited Systeme et procede de traitement de transactions
GB2428126B (en) * 2005-07-08 2010-05-12 Secoren Ltd System and method for processing transactions
US8336763B2 (en) 2005-07-08 2012-12-25 Secoren Limited System and method for processing transactions

Citations (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5239583A (en) * 1991-04-10 1993-08-24 Parrillo Larry A Method and apparatus for improved security using access codes

Patent Citations (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5239583A (en) * 1991-04-10 1993-08-24 Parrillo Larry A Method and apparatus for improved security using access codes

Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2007029123A2 (fr) * 2005-07-08 2007-03-15 Secoren Limited Systeme et procede de traitement de transactions
WO2007029123A3 (fr) * 2005-07-08 2007-07-12 Secoren Ltd Systeme et procede de traitement de transactions
GB2428126B (en) * 2005-07-08 2010-05-12 Secoren Ltd System and method for processing transactions
US8336763B2 (en) 2005-07-08 2012-12-25 Secoren Limited System and method for processing transactions

Also Published As

Publication number Publication date
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