WO2003012703A3 - Method for making transactions secure - Google Patents

Method for making transactions secure Download PDF

Info

Publication number
WO2003012703A3
WO2003012703A3 PCT/FR2002/002671 FR0202671W WO03012703A3 WO 2003012703 A3 WO2003012703 A3 WO 2003012703A3 FR 0202671 W FR0202671 W FR 0202671W WO 03012703 A3 WO03012703 A3 WO 03012703A3
Authority
WO
WIPO (PCT)
Prior art keywords
transaction
medium
authorisation
bearer
sending
Prior art date
Application number
PCT/FR2002/002671
Other languages
French (fr)
Other versions
WO2003012703A2 (en
Inventor
Yves Eonnet
Evrard Guelton
Vincent Rigal
Original Assignee
Smart Design
Yves Eonnet
Evrard Guelton
Vincent Rigal
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 Smart Design, Yves Eonnet, Evrard Guelton, Vincent Rigal filed Critical Smart Design
Priority to AU2002341013A priority Critical patent/AU2002341013A1/en
Publication of WO2003012703A2 publication Critical patent/WO2003012703A2/en
Publication of WO2003012703A3 publication Critical patent/WO2003012703A3/en

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
    • G06Q20/38—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
    • G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing
    • 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
    • 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
    • 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

The invention concerns a method for making secure transactions carried out by means of media such as bank cards and the like, said method consisting in sending through a merchant an authorisation or payment request to a server, said request comprising data concerning the transaction and terms and conditions for reading data on the medium used, the method further consisting in: associating with each medium a means for communication with the bearer of the medium, using the data included in the authorisation or payment request to determine risky transactions and sending to the bearer a message indicating a risky transaction, after the bank has authorised the transaction.
PCT/FR2002/002671 2001-07-27 2002-07-25 Method for making transactions secure WO2003012703A2 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU2002341013A AU2002341013A1 (en) 2001-07-27 2002-07-25 Method for making transactions secure

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
FR0110138A FR2827982B1 (en) 2001-07-27 2001-07-27 METHOD FOR SECURING TRANSACTIONS
FR01/10138 2001-07-27

Publications (2)

Publication Number Publication Date
WO2003012703A2 WO2003012703A2 (en) 2003-02-13
WO2003012703A3 true WO2003012703A3 (en) 2003-11-20

Family

ID=8866041

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/FR2002/002671 WO2003012703A2 (en) 2001-07-27 2002-07-25 Method for making transactions secure

Country Status (3)

Country Link
AU (1) AU2002341013A1 (en)
FR (1) FR2827982B1 (en)
WO (1) WO2003012703A2 (en)

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP0745961A2 (en) * 1995-05-31 1996-12-04 AT&T IPM Corp. Transaction authorization and alert system
WO1998006214A1 (en) * 1996-08-08 1998-02-12 Raymond Anthony Joao Financial transaction, authorization, notification and security apparatus
WO1999014711A2 (en) * 1997-09-17 1999-03-25 Andrasev Akos Method for checking rightful use of a debit card or similar means giving right of disposing of a bank account
WO1999049424A1 (en) * 1998-03-25 1999-09-30 Orbis Patents Limited Credit card system and method

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP0745961A2 (en) * 1995-05-31 1996-12-04 AT&T IPM Corp. Transaction authorization and alert system
WO1998006214A1 (en) * 1996-08-08 1998-02-12 Raymond Anthony Joao Financial transaction, authorization, notification and security apparatus
WO1999014711A2 (en) * 1997-09-17 1999-03-25 Andrasev Akos Method for checking rightful use of a debit card or similar means giving right of disposing of a bank account
WO1999049424A1 (en) * 1998-03-25 1999-09-30 Orbis Patents Limited Credit card system and method

Also Published As

Publication number Publication date
WO2003012703A2 (en) 2003-02-13
AU2002341013A1 (en) 2003-02-17
FR2827982A1 (en) 2003-01-31
FR2827982B1 (en) 2005-02-18

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