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WO2006018709A1 - Ameliorations apportees a la securite des paiements effectues par carte bancaire - Google Patents

Ameliorations apportees a la securite des paiements effectues par carte bancaire Download PDF

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Publication number
WO2006018709A1
WO2006018709A1 PCT/IB2005/002455 IB2005002455W WO2006018709A1 WO 2006018709 A1 WO2006018709 A1 WO 2006018709A1 IB 2005002455 W IB2005002455 W IB 2005002455W WO 2006018709 A1 WO2006018709 A1 WO 2006018709A1
Authority
WO
WIPO (PCT)
Prior art keywords
intermediary
cardholder
vendor
voucher
payment
Prior art date
Legal status (The legal status 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 status listed.)
Ceased
Application number
PCT/IB2005/002455
Other languages
English (en)
Inventor
Gary John Kamp
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Individual
Original Assignee
Individual
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 Individual filed Critical Individual
Publication of WO2006018709A1 publication Critical patent/WO2006018709A1/fr
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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]
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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 OR CALCULATING; 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
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions

Definitions

  • the invention relates to a method of providing improved security for bank card payments, in particular for Internet transactions.
  • a method of providing a bank card payment for a transaction between the cardholder and a vendor over a communications network wherein the cardholder provides payment enabling details of the bank card to an intermediary, the intermediary is provided with the details of the intended transaction, and the intermediary arranges payment to the vendor.
  • the invention further provides for the intermediary to issue the cardholder with a voucher, for the cardholder to provide the vendor with the voucher, and for the intermediary to effect payment to the vendor on presentation of the voucher.
  • the voucher to be electronic; for the voucher to include a code; and for either the cardholder or intermediary to select the code.
  • the intermediary to be a dedicated independent entity; or for the intermediary to be a bank from which the card is issued. Further features of the invention provide for the communications network to be selected from the Internet, a telecommunications network, and any combination thereof; and for the bank card to be a credit card or a debit card.
  • Further features of the invention provide for the payment enabling details to include the card number and name of the cardholder; and for the cardholder or vendor to provide the intermediary with the details of the intended transaction.
  • vendor is to be given a broad meaning in the context of this specification. It will include any person or entity which offers goods, services, accommodation or any other offering in return for payment.
  • Figure 1 which is a schematic illustration of the method.
  • the payment is for a transaction between a cardholder (3) and a vendor (5).
  • the transaction is initiated over the Internet (7).
  • the vendor (5) has a website where it offers products for sale.
  • the cardholder (3) selects a particular product which he wants to purchase.
  • the cardholder (3) would provide the vendor (5) with payment enabling details of a bank card. Sufficient details are normally the card number and the cardholder's (3) name.
  • the cardholder (3) would also provide an address for delivery of the selected product.
  • a payment on the bank card to the vendor (5) can be processed from the bank (9) of the cardholder (3).
  • the cardholder (3) need only provide the vendor (5) with a delivery address and identify an intended transaction.
  • the details of an intermediary (11 ) may also be provided.
  • the cardholder (3) provides his name and the card number to the intermediary (11). Along with this information, relevant details of the intended transaction with the vendor (5) are also provided. The intermediary (11) will then obtain payment of the relevant funds from the bank (9). Payment of the amount owing to the vendor (5) in terms of the specific transaction is then made by the intermediary
  • the vendor (5) may be prepared to dispatch (13) the product once the intermediary (11) has confirmed its participation in the transaction. In this case, payment to the vendor (5) will be guaranteed by the intermediary (11) before it is effected.
  • the sequence and nature of the information transferred in communications between the parties, (3) and (5), and the intermediary (11) may be varied in a number of ways to conclude such a transaction.
  • the intermediary (11 ) after it has been contacted and provided with the relevant details, issues the cardholder (3) with a pin number for the transaction.
  • the pin number will be issued once the intermediary (11) has secured payment of the amount in question from the bank (9).
  • the cardholder (3) then provides the vendor (5) with the pin number.
  • the intermediary (11) will, in turn, pay over the amount due to the vendor (5) on presentation of the pin number.
  • the unique pin number is a voucher which enables the transaction without the cardholder (3) having to disclose any bank card details to the vendor (5).
  • the pin number represents a code and it will be appreciated that such a code can take any of a number of forms. Such codes are however conveniently alpha ⁇ numeric.
  • the cardholder can be allowed to select his own code for a particular transaction.
  • the cardholder (3) will preferably register as a user with the intermediary (11). This will involve, amongst others, providing the intermediary (11) with contact details, which will include a mobile telephone number.
  • the cardholder (3) When a payment is to be made, the cardholder (3) provides his name and the card number to the intermediary (11). Along with this information, relevant details of the intended transaction with the vendor (5) together with the amount in question are also provided.
  • the intermediary (11) will request and obtain authorization for the amount from the bank or card company. Based on this, the intermediary (11) will issue a secure electronic purchase voucher to the cardholder (3).
  • the voucher which may also carry a unique code, is preferably electronic and sent by email to the cardholder's email address.
  • the intermediary (11) will first contact the cardholder (3) by sending a short message service (SMS). This will be a request to confirm that the voucher should be issued. A return SMS from the handset will thus clear the issue of the voucher.
  • SMS may include a code which the cardholder must phone in to the intermediary (11).
  • the details of the intended transaction which are provided to the intermediary may vary and can come from either the cardholder (3), the vendor (5) or both.
  • the bank card can be a debit or a credit card and the payment enabling details may be varied.
  • the intermediary (11) may also be the bank (9).
  • the bank (9) also operates as intermediary (11 ) by offering the service as described.
  • the bank (9) acts in both capacities and the communications between the intermediary (11) and the bank can be internal communications.
  • the invention will also apply where a bank card is used to secure goods or services where the vendor does not obtain payment on the bank card. In these circumstances, the cardholder will pay the vendor directly at a later stage when appropriate.
  • this method is not limited to Internet transactions for purchase of goods but will also apply to transactions effected verbally over the telephone, in writing by telefax or in any other manner and for services or anything else offered at a price.
  • a cardholder will also be able to have a specific amount of money cleared for payment by the intermediary and have a code issued prior to deciding what the transaction will be.

Landscapes

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

Abstract

L'invention porte sur un procédé permettant d'effectuer un paiement sécurisé par carte bancaire concernant une transaction entre le détenteur de carte et un vendeur sur un réseau de communications. Le réseau de communications peut-être l'Internet, un réseau de télécommunications ou une combinaison quelconque de ceux-ci. Un détenteur de carte effectue un paiement sur la base des détails de la carte bancaire uniquement à un intermédiaire plutôt qu'au vendeur. L'intermédiaire connaît également les détails de la transaction choisie et c'est l'intermédiaire qui effectue le paiement au vendeur. L'intermédiaire enverra, par courrier électronique, au détenteur de carte, un justificatif électronique, de préférence uniquement après que le détenteur de carte ait été contacté par SMS, et confirmera que le justificatif sera délivré. Le détenteur de carte fournit au vendeur son justificatif et, à ce moment-là, les marchandises peuvent être expédiées pour être distribuées. L'intermédiaire paie à son tour le vendeur lorsqu'il reçoit en retour le justificatif. L'intermédiaire peut-être une entité indépendante spécifique ou une banque qui a émis la carte.
PCT/IB2005/002455 2004-08-20 2005-08-19 Ameliorations apportees a la securite des paiements effectues par carte bancaire Ceased WO2006018709A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
ZA200401399 2004-08-20
ZA2004/1399 2004-08-20

Publications (1)

Publication Number Publication Date
WO2006018709A1 true WO2006018709A1 (fr) 2006-02-23

Family

ID=35124412

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/IB2005/002455 Ceased WO2006018709A1 (fr) 2004-08-20 2005-08-19 Ameliorations apportees a la securite des paiements effectues par carte bancaire

Country Status (2)

Country Link
WO (1) WO2006018709A1 (fr)
ZA (1) ZA200701386B (fr)

Cited By (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2008050132A3 (fr) * 2006-10-25 2008-06-26 Payfont Ltd Système d'authentification et de paiement sécurisé
WO2009094045A2 (fr) 2007-08-08 2009-07-30 Phoenix Payment System, Inc. Dba Electronic Payment Exchange (Epx) Informations de compte hébergées dans un processeur de paiement
WO2010010062A3 (fr) * 2008-07-21 2010-03-18 Andreas Traint Système de paiement anonyme inviolable
EP2463817A1 (fr) * 2010-12-10 2012-06-13 1356382 Alberta Ltd. Système et procédé pour l'interopérabilité de différentes plateformes d'autorisation de paiements ou de transactions
US8423466B2 (en) 2006-10-25 2013-04-16 Payfont Limited Secure authentication and payment system
EP2702544A4 (fr) * 2011-04-25 2014-11-26 Mastercard International Inc Procédés et systèmes de vérification et de remboursement d'offres et de cadeaux dynamiques

Citations (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1998030985A2 (fr) * 1997-01-06 1998-07-16 Aerotel Ltd. Systeme informatise de transfert d'argent
US5883810A (en) * 1997-09-24 1999-03-16 Microsoft Corporation Electronic online commerce card with transactionproxy number for online transactions
US6029890A (en) * 1998-06-22 2000-02-29 Austin; Frank User-Specified credit card system
GB2352861A (en) * 1999-08-04 2001-02-07 Int Computers Ltd Payment transaction system
EP1077436A2 (fr) * 1999-08-19 2001-02-21 Citicorp Development Center, Inc. Système et méthode pour effectuer une transaction en-ligne utilisant un titre de paiement à usage unique
WO2001013275A1 (fr) * 1999-08-13 2001-02-22 Fleetboston Financial Corporation Systeme de substitution garantissant confidentialite au client
GB2359652A (en) * 2000-02-24 2001-08-29 Menachem Mendel Sudak Electronic payment system
WO2003015043A1 (fr) * 2001-08-03 2003-02-20 Haltfern Limited Systeme de securite de carte de credit

Patent Citations (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1998030985A2 (fr) * 1997-01-06 1998-07-16 Aerotel Ltd. Systeme informatise de transfert d'argent
US5883810A (en) * 1997-09-24 1999-03-16 Microsoft Corporation Electronic online commerce card with transactionproxy number for online transactions
US6029890A (en) * 1998-06-22 2000-02-29 Austin; Frank User-Specified credit card system
GB2352861A (en) * 1999-08-04 2001-02-07 Int Computers Ltd Payment transaction system
WO2001013275A1 (fr) * 1999-08-13 2001-02-22 Fleetboston Financial Corporation Systeme de substitution garantissant confidentialite au client
EP1077436A2 (fr) * 1999-08-19 2001-02-21 Citicorp Development Center, Inc. Système et méthode pour effectuer une transaction en-ligne utilisant un titre de paiement à usage unique
GB2359652A (en) * 2000-02-24 2001-08-29 Menachem Mendel Sudak Electronic payment system
WO2003015043A1 (fr) * 2001-08-03 2003-02-20 Haltfern Limited Systeme de securite de carte de credit

Cited By (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2008050132A3 (fr) * 2006-10-25 2008-06-26 Payfont Ltd Système d'authentification et de paiement sécurisé
US8423466B2 (en) 2006-10-25 2013-04-16 Payfont Limited Secure authentication and payment system
US9530129B2 (en) 2006-10-25 2016-12-27 Payfont Limited Secure authentication and payment system
WO2009094045A2 (fr) 2007-08-08 2009-07-30 Phoenix Payment System, Inc. Dba Electronic Payment Exchange (Epx) Informations de compte hébergées dans un processeur de paiement
EP2188790A4 (fr) * 2007-08-08 2010-10-27 Phoenix Payment Systems Inc Db Informations de compte hébergées dans un processeur de paiement
WO2010010062A3 (fr) * 2008-07-21 2010-03-18 Andreas Traint Système de paiement anonyme inviolable
EP2463817A1 (fr) * 2010-12-10 2012-06-13 1356382 Alberta Ltd. Système et procédé pour l'interopérabilité de différentes plateformes d'autorisation de paiements ou de transactions
EP2702544A4 (fr) * 2011-04-25 2014-11-26 Mastercard International Inc Procédés et systèmes de vérification et de remboursement d'offres et de cadeaux dynamiques

Also Published As

Publication number Publication date
ZA200701386B (en) 2008-08-27

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