WO2020099690A1 - Méthode et système pour financer des achats avec une authentification renforcée du client - Google Patents

Méthode et système pour financer des achats avec une authentification renforcée du client Download PDF

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Publication number
WO2020099690A1
WO2020099690A1 PCT/ES2018/070742 ES2018070742W WO2020099690A1 WO 2020099690 A1 WO2020099690 A1 WO 2020099690A1 ES 2018070742 W ES2018070742 W ES 2018070742W WO 2020099690 A1 WO2020099690 A1 WO 2020099690A1
Authority
WO
WIPO (PCT)
Prior art keywords
payment
customer
electronic payment
electronic
token
Prior art date
Application number
PCT/ES2018/070742
Other languages
English (en)
Spanish (es)
Inventor
Daniel Alegre Herrero
Álvaro ALZOLA JÉREZ
José Luis LLAIRÓ CANAL
Carlos ALONSO DE LINAJE
Original Assignee
Financiera Española de Crédito a Distancia EFC, S.A.
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 Financiera Española de Crédito a Distancia EFC, S.A. filed Critical Financiera Española de Crédito a Distancia EFC, S.A.
Priority to PCT/ES2018/070742 priority Critical patent/WO2020099690A1/fr
Priority to FR1912753A priority patent/FR3088747B3/fr
Priority to DE202019106383.1U priority patent/DE202019106383U1/de
Priority to ES201931896U priority patent/ES1239905Y/es
Priority to PT11915U priority patent/PT11915Y/pt
Publication of WO2020099690A1 publication Critical patent/WO2020099690A1/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
    • 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
    • G06Q20/24—Credit schemes, i.e. "pay after"
    • 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
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G06Q20/027—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] involving a payment switch or gateway
    • 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
    • G06Q20/102—Bill distribution or payments
    • 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
    • G06Q20/204—Point-of-sale [POS] network systems comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
    • 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
    • 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
    • G06Q20/401—Transaction verification
    • G06Q20/4012—Verifying personal identification numbers [PIN]
    • 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
    • G06Q20/405—Establishing or using transaction specific rules
    • 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
    • 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

Abstract

La présente invention concerne une méthode et un système pour financer des achats avec une authentification renforcée du client, dans lequel un dispositif de paiement électronique reçoit le montant d'une transaction, un nombre de versements pour le paiement de ladite transaction, un numéro de téléphone d'un client et un instrument de paiement. Un serveur de passerelle de paiements génère un premier jeton d'information associé audit instrument de paiement. Ensuite le dispositif de téléphone reçoit un message qui inclut un lien de site web qui contient un second jeton qui identifie la transaction sur un serveur d'entité de crédit, un numéro d'identification personnel du client et une acceptation des termes et conditions dudit serveur d'entité de crédit. Le dispositif de paiement reçoit une chaîne de caractères qui associe l'instrument de paiment au client. L'acceptation du paiement inclut le paiement d'un premier versement, avec la réalisation des autres paiements à une date ultérieure au moyen du premier jeton, sans implication de l'utilisateur.
PCT/ES2018/070742 2018-11-16 2018-11-16 Méthode et système pour financer des achats avec une authentification renforcée du client WO2020099690A1 (fr)

Priority Applications (5)

Application Number Priority Date Filing Date Title
PCT/ES2018/070742 WO2020099690A1 (fr) 2018-11-16 2018-11-16 Méthode et système pour financer des achats avec une authentification renforcée du client
FR1912753A FR3088747B3 (fr) 2018-11-16 2019-11-15 Dispositif de paiement électronique
DE202019106383.1U DE202019106383U1 (de) 2018-11-16 2019-11-15 Elektronische Zahlungsvorrichtung
ES201931896U ES1239905Y (es) 2018-11-16 2019-11-18 Dispositivo electrónico de pago
PT11915U PT11915Y (pt) 2018-11-16 2019-11-20 Dispositivo de pagamento electronico

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/ES2018/070742 WO2020099690A1 (fr) 2018-11-16 2018-11-16 Méthode et système pour financer des achats avec une authentification renforcée du client

Publications (1)

Publication Number Publication Date
WO2020099690A1 true WO2020099690A1 (fr) 2020-05-22

Family

ID=65657485

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/ES2018/070742 WO2020099690A1 (fr) 2018-11-16 2018-11-16 Méthode et système pour financer des achats avec une authentification renforcée du client

Country Status (5)

Country Link
DE (1) DE202019106383U1 (fr)
ES (1) ES1239905Y (fr)
FR (1) FR3088747B3 (fr)
PT (1) PT11915Y (fr)
WO (1) WO2020099690A1 (fr)

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN114124545A (zh) * 2021-11-25 2022-03-01 杭州摸象大数据科技有限公司 一种供应链金融的数据可信上链与身份认证终端

Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20080270301A1 (en) * 2007-04-27 2008-10-30 American Express Travel Related Services Co., Inc. Mobile payment system and method
US7533047B2 (en) 2005-05-03 2009-05-12 International Business Machines Corporation Method and system for securing card payment transactions using a mobile communication device
US20120047070A1 (en) * 2008-04-02 2012-02-23 Jennifer Pharris ATM/KIOSK Cash Acceptance
US20120173348A1 (en) 2010-12-29 2012-07-05 Boku, Inc. Systems and Methods to Process Payments via Account Identifiers and Phone Numbers
US20160275507A1 (en) * 2015-03-19 2016-09-22 International Business Machines Corporation Multi-point authentication for payment transactions
WO2016172541A1 (fr) 2015-04-23 2016-10-27 Diebold, Incorporated Téléchargement d'ensembles de données de portefeuille mobile

Patent Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7533047B2 (en) 2005-05-03 2009-05-12 International Business Machines Corporation Method and system for securing card payment transactions using a mobile communication device
US20080270301A1 (en) * 2007-04-27 2008-10-30 American Express Travel Related Services Co., Inc. Mobile payment system and method
US20120047070A1 (en) * 2008-04-02 2012-02-23 Jennifer Pharris ATM/KIOSK Cash Acceptance
US20120173348A1 (en) 2010-12-29 2012-07-05 Boku, Inc. Systems and Methods to Process Payments via Account Identifiers and Phone Numbers
US20160275507A1 (en) * 2015-03-19 2016-09-22 International Business Machines Corporation Multi-point authentication for payment transactions
WO2016172541A1 (fr) 2015-04-23 2016-10-27 Diebold, Incorporated Téléchargement d'ensembles de données de portefeuille mobile

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN114124545A (zh) * 2021-11-25 2022-03-01 杭州摸象大数据科技有限公司 一种供应链金融的数据可信上链与身份认证终端

Also Published As

Publication number Publication date
PT11915Y (pt) 2021-01-22
ES1239905Y (es) 2020-07-02
DE202019106383U1 (de) 2020-01-31
FR3088747A3 (fr) 2020-05-22
ES1239905U (es) 2020-01-22
PT11915U (pt) 2020-05-20
FR3088747B3 (fr) 2020-11-20

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