WO2002075674A3 - Systeme et methode de renouvellement de donnees d'identification sur un dispositif de transaction portatif - Google Patents

Systeme et methode de renouvellement de donnees d'identification sur un dispositif de transaction portatif Download PDF

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Publication number
WO2002075674A3
WO2002075674A3 PCT/IB2001/000940 IB0100940W WO02075674A3 WO 2002075674 A3 WO2002075674 A3 WO 2002075674A3 IB 0100940 W IB0100940 W IB 0100940W WO 02075674 A3 WO02075674 A3 WO 02075674A3
Authority
WO
WIPO (PCT)
Prior art keywords
identification data
transaction device
portable transaction
financial institution
replacing
Prior art date
Application number
PCT/IB2001/000940
Other languages
English (en)
Other versions
WO2002075674A2 (fr
Inventor
Joel Gaillard
Original Assignee
Joel Gaillard
Holdings Ltd G
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 Joel Gaillard, Holdings Ltd G filed Critical Joel Gaillard
Priority to EP01932017A priority Critical patent/EP1371036A2/fr
Priority to MXPA03007778A priority patent/MXPA03007778A/es
Priority to AU2001258694A priority patent/AU2001258694A1/en
Priority to CA002434192A priority patent/CA2434192A1/fr
Priority to BR0116911-4A priority patent/BR0116911A/pt
Priority to BR0207533-4A priority patent/BR0207533A/pt
Priority to PCT/IB2002/000652 priority patent/WO2002075675A2/fr
Priority to AU2002236137A priority patent/AU2002236137A1/en
Priority to MXPA03007781A priority patent/MXPA03007781A/es
Priority to EP02702617A priority patent/EP1371032A2/fr
Priority to CNA028067126A priority patent/CN1527991A/zh
Priority to CA002434196A priority patent/CA2434196A1/fr
Publication of WO2002075674A2 publication Critical patent/WO2002075674A2/fr
Publication of WO2002075674A3 publication Critical patent/WO2002075674A3/fr
Priority to US10/646,650 priority patent/US20040035924A1/en
Priority to US10/652,363 priority patent/US20040059675A1/en

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
    • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
    • 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
    • G06Q20/108—Remote banking, e.g. home banking
    • 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
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • 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
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/355—Personalisation of cards for use
    • G06Q20/3552—Downloading or loading of personalisation data
    • 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
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G06Q20/40145—Biometric identity checks
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07C—TIME OR ATTENDANCE REGISTERS; REGISTERING OR INDICATING THE WORKING OF MACHINES; GENERATING RANDOM NUMBERS; VOTING OR LOTTERY APPARATUS; ARRANGEMENTS, SYSTEMS OR APPARATUS FOR CHECKING NOT PROVIDED FOR ELSEWHERE
    • G07C9/00—Individual registration on entry or exit
    • G07C9/20—Individual registration on entry or exit involving the use of a pass
    • G07C9/22—Individual registration on entry or exit involving the use of a pass in combination with an identity check of the pass holder
    • G07C9/25—Individual registration on entry or exit involving the use of a pass in combination with an identity check of the pass holder using biometric data, e.g. fingerprints, iris scans or voice recognition
    • G07C9/257—Individual registration on entry or exit involving the use of a pass in combination with an identity check of the pass holder using biometric data, e.g. fingerprints, iris scans or voice recognition electronically

Landscapes

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

Abstract

La méthode de renouvellement de premières données d'identification identifiant et étant associées à un compte hébergé dans une institution financière, les premières données d'identification étant enregistrées sur un dispositif de transaction portatif et à l'institution financière, comprend les étapes suivantes: a) on communique à l'institution financière les premières données d'identification; b) on génère de secondes données d'identification qui sont enregistrées à l'institution financière et sur le dispositif de transaction portatif, en lieu et place des premières données d'identification; et c) on associe les secondes données d'identification au compte de l'institution financière aux fins d'identification ultérieure du compte au moyen des secondes données d'identification.
PCT/IB2001/000940 2001-03-16 2001-05-28 Systeme et methode de renouvellement de donnees d'identification sur un dispositif de transaction portatif WO2002075674A2 (fr)

Priority Applications (14)

Application Number Priority Date Filing Date Title
EP01932017A EP1371036A2 (fr) 2001-03-16 2001-05-28 Systeme et methode de renouvellement de donnees d'identification sur un dispositif de transaction portatif
MXPA03007778A MXPA03007778A (es) 2001-03-16 2001-05-28 Sistema y metodo para remplazar datos de identificacion en un dispositivo portatil de transacciones.
AU2001258694A AU2001258694A1 (en) 2001-03-16 2001-05-28 System and method for replacing identification data on a portable transaction device
CA002434192A CA2434192A1 (fr) 2001-03-16 2001-05-28 Systeme et methode de renouvellement de donnees d'identification sur un dispositif de transaction portatif
BR0116911-4A BR0116911A (pt) 2001-03-16 2001-05-28 Método e sistema de renovação de primeiros dados de identificação, sistema que permite efetuar transações, e, dispositivo de transação portátil
AU2002236137A AU2002236137A1 (en) 2001-03-16 2002-03-05 System and method for replacing identification data on a portable identification device
PCT/IB2002/000652 WO2002075675A2 (fr) 2001-03-16 2002-03-05 Système et méthode de renouvellement de données d'identification sur un dispositif d'identification portatif
BR0207533-4A BR0207533A (pt) 2001-03-16 2002-03-05 Método e sistema para a renovação de um elemento de dados de identificação e dispositivo de identificação portátil
MXPA03007781A MXPA03007781A (es) 2001-03-16 2002-03-05 Sistema y metodo para remplazar datos de identificacion en un dispositivo de identificacion portatil.
EP02702617A EP1371032A2 (fr) 2001-03-16 2002-03-05 Syst me et m thode de renouvellement de donn es d'identification sur un dispositif d'identification portatif
CNA028067126A CN1527991A (zh) 2001-03-16 2002-03-05 在便携式标识装置上替换标识数据的系统和方法
CA002434196A CA2434196A1 (fr) 2001-03-16 2002-03-05 Systeme et methode de renouvellement de donnees d'identification sur un dispositif d'identification portatif
US10/646,650 US20040035924A1 (en) 2001-03-16 2003-08-21 System and method for replacing identification data on a portable identification device
US10/652,363 US20040059675A1 (en) 2001-03-16 2003-08-29 System and method for replacing identification data on a portable transaction device

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US27611901P 2001-03-16 2001-03-16
US60/276,119 2001-03-16

Related Child Applications (1)

Application Number Title Priority Date Filing Date
US10/652,363 Continuation US20040059675A1 (en) 2001-03-16 2003-08-29 System and method for replacing identification data on a portable transaction device

Publications (2)

Publication Number Publication Date
WO2002075674A2 WO2002075674A2 (fr) 2002-09-26
WO2002075674A3 true WO2002075674A3 (fr) 2003-02-13

Family

ID=23055255

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/IB2001/000940 WO2002075674A2 (fr) 2001-03-16 2001-05-28 Systeme et methode de renouvellement de donnees d'identification sur un dispositif de transaction portatif

Country Status (8)

Country Link
US (1) US20040059675A1 (fr)
EP (1) EP1371036A2 (fr)
CN (1) CN1537301A (fr)
AU (1) AU2001258694A1 (fr)
BR (1) BR0116911A (fr)
CA (1) CA2434192A1 (fr)
MX (1) MXPA03007778A (fr)
WO (1) WO2002075674A2 (fr)

Families Citing this family (2)

* Cited by examiner, † Cited by third party
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GB2393530B (en) * 2002-09-24 2006-06-14 Hewlett Packard Co Improvements relating to data delivery
CN103020815A (zh) * 2012-12-10 2013-04-03 北京掌上汇通科技发展有限公司 一种支付业务处理的方法、装置及系统

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CA2434192A1 (fr) 2002-09-26
BR0116911A (pt) 2004-02-10
CN1537301A (zh) 2004-10-13
AU2001258694A1 (en) 2002-10-03
MXPA03007778A (es) 2003-12-08
US20040059675A1 (en) 2004-03-25
WO2002075674A2 (fr) 2002-09-26
EP1371036A2 (fr) 2003-12-17

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