ES2403336R1 - Verificación de la identidad de una persona que realiza una transacción - Google Patents

Verificación de la identidad de una persona que realiza una transacción

Info

Publication number
ES2403336R1
ES2403336R1 ES201231863A ES201231863A ES2403336R1 ES 2403336 R1 ES2403336 R1 ES 2403336R1 ES 201231863 A ES201231863 A ES 201231863A ES 201231863 A ES201231863 A ES 201231863A ES 2403336 R1 ES2403336 R1 ES 2403336R1
Authority
ES
Spain
Prior art keywords
transaction
person
account
identity
biometric identifier
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.)
Granted
Application number
ES201231863A
Other languages
English (en)
Other versions
ES2403336B1 (es
ES2403336A2 (es
Inventor
Serge Belamant
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.)
NET1 UEPS TECHNOLOGIES Inc
Original Assignee
NET1 UEPS TECHNOLOGIES Inc
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 NET1 UEPS TECHNOLOGIES Inc filed Critical NET1 UEPS TECHNOLOGIES Inc
Publication of ES2403336A2 publication Critical patent/ES2403336A2/es
Publication of ES2403336R1 publication Critical patent/ES2403336R1/es
Application granted granted Critical
Publication of ES2403336B1 publication Critical patent/ES2403336B1/es
Expired - Fee Related legal-status Critical Current
Anticipated expiration legal-status Critical

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
    • G06Q20/08—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
    • G06Q20/38—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
    • 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]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F18/00—Pattern recognition
    • 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
    • G06Q30/00—Commerce
    • 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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • 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
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07G—REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
    • G07G1/00—Cash registers
    • G07G1/12—Cash registers electronically operated

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Computer Security & Cryptography (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Development Economics (AREA)
  • Evolutionary Biology (AREA)
  • Evolutionary Computation (AREA)
  • Bioinformatics & Cheminformatics (AREA)
  • Bioinformatics & Computational Biology (AREA)
  • Computer Vision & Pattern Recognition (AREA)
  • Data Mining & Analysis (AREA)
  • Life Sciences & Earth Sciences (AREA)
  • Artificial Intelligence (AREA)
  • General Engineering & Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Collating Specific Patterns (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Measurement Of The Respiration, Hearing Ability, Form, And Blood Characteristics Of Living Organisms (AREA)

Abstract

Sistema para facilitar una transacción financiera entre una potencial persona que realiza una transacción y un receptor de la misma, que comprende un servicio de verificación de identidad y cuenta para verificar la identidad de la potencial persona que realizará la transacción y una cuenta que tiene dicha persona en una entidad financiera, siendo activada la instalación de por un verificador independiente. El servicio que verifica la identidad y cuenta incluye unos medios de almacenamiento para almacenar un identificador biométrico de una potencial persona que realiza la transacción y el detalle de por lo menos una cuenta de la cual es el titular dicha persona en la entidad financiera. Se proporcionan unos medios de entrada del identificador biométrico en los que la persona que realiza la transacción introduce su identificador biométrico cuando se suscribe al servicio. Unos medios de obtención de detalles de cuenta para obtener los datos de la cuenta de la persona que realiza la transacción en la entidad financiera, unos medios de entrada del identificador biométrico en los que la persona introduce su identificador biométrico, y unos medios de comunicación para comunicarse con el verificador independiente, se encuentran dispuestos en el receptor de la transacción, para proporcionar detalles de la cuenta y el identificador para el verificador, y para recibir la confirmación de verificación o rechazo del verificador, antes de que se realice la transacción financiera.
ES201231863A 2006-11-16 2007-11-15 Verificación de la identidad de una persona que realiza una transacción Expired - Fee Related ES2403336B1 (es)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
ZA200609537 2006-11-16
ZA2006/09537 2006-11-16

Publications (3)

Publication Number Publication Date
ES2403336A2 ES2403336A2 (es) 2013-05-17
ES2403336R1 true ES2403336R1 (es) 2014-01-07
ES2403336B1 ES2403336B1 (es) 2014-08-27

Family

ID=39167696

Family Applications (2)

Application Number Title Priority Date Filing Date
ES200950025A Expired - Fee Related ES2372833B1 (es) 2006-11-16 2007-11-15 Verificación de la identidad de una persona que realiza una transacción.
ES201231863A Expired - Fee Related ES2403336B1 (es) 2006-11-16 2007-11-15 Verificación de la identidad de una persona que realiza una transacción

Family Applications Before (1)

Application Number Title Priority Date Filing Date
ES200950025A Expired - Fee Related ES2372833B1 (es) 2006-11-16 2007-11-15 Verificación de la identidad de una persona que realiza una transacción.

Country Status (24)

Country Link
US (1) US8768776B2 (es)
EP (1) EP2097859A1 (es)
JP (1) JP2010510565A (es)
KR (2) KR20160040731A (es)
CN (2) CN106096936A (es)
AP (1) AP2009004898A0 (es)
AT (1) AT507761A3 (es)
AU (1) AU2007320778B2 (es)
BR (1) BRPI0718899A2 (es)
CA (1) CA2669789C (es)
CH (1) CH698353B1 (es)
DE (1) DE112007002763T5 (es)
ES (2) ES2372833B1 (es)
FI (1) FI20095661L (es)
GB (1) GB2457002A (es)
IL (1) IL198739A0 (es)
MA (1) MA31070B1 (es)
MX (1) MX2009005259A (es)
MY (1) MY151683A (es)
NZ (1) NZ577676A (es)
RU (1) RU2479029C2 (es)
SE (1) SE0950456L (es)
WO (1) WO2008059458A1 (es)
ZA (1) ZA200903804B (es)

Families Citing this family (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
AU2011207602B2 (en) * 2010-01-19 2015-01-22 Visa International Service Association Verification mechanism
EP2956825B1 (en) 2013-03-15 2020-06-24 Apple Inc. Facilitating transactions with a user account using a wireless device
CN103150654A (zh) * 2013-03-18 2013-06-12 江苏乐买到网络科技有限公司 一种电子商务交易***和方法
KR101808733B1 (ko) 2016-10-24 2018-01-19 주식회사 올아이티탑 남녀 식별구분하여 지문 또는/및 지정맥 인식을 이용한 전자 결제 시스템의 처리 방법
CN110494842A (zh) * 2017-01-27 2019-11-22 肖恩·哈钦森 安全认证和金融属***
US11847651B2 (en) 2017-05-23 2023-12-19 Kenneth A Kopf Systems and methods for facilitating biometric tokenless authentication for services
CN111680999B (zh) * 2020-05-28 2021-08-03 韩永辉 一种基于大数据的互联网金融交易***及方法

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WO2000045320A1 (en) * 1999-01-29 2000-08-03 Veristar Corporation Tokenless biometric electronic debit and credit transactions
US6243689B1 (en) * 1998-12-29 2001-06-05 Robert G. Norton System and method for authorizing electronic funds transfer at a point of sale
US20030061172A1 (en) * 2001-09-21 2003-03-27 Timothy Robinson System and method for biometric authorization for financial transactions

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US7152045B2 (en) 1994-11-28 2006-12-19 Indivos Corporation Tokenless identification system for authorization of electronic transactions and electronic transmissions
US6154879A (en) * 1994-11-28 2000-11-28 Smarttouch, Inc. Tokenless biometric ATM access system
US6950810B2 (en) 1994-11-28 2005-09-27 Indivos Corporation Tokenless biometric electronic financial transactions via a third party identicator
US5613012A (en) * 1994-11-28 1997-03-18 Smarttouch, Llc. Tokenless identification system for authorization of electronic transactions and electronic transmissions
US6247000B1 (en) 1996-08-21 2001-06-12 Crossmar, Inc. Method and system for confirmation and settlement for financial transactions matching
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US7249093B1 (en) * 1999-09-07 2007-07-24 Rysix Holdings, Llc Method of and system for making purchases over a computer network
AU2001266628A1 (en) 2000-05-31 2001-12-11 Indivos Corporation Biometric financial transaction system and method
JP2001351047A (ja) * 2000-06-09 2001-12-21 Akesesu:Kk 個人認証方法
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JP2002063525A (ja) * 2000-08-22 2002-02-28 Nec Corp 生体情報による本人確認を利用した製品販売方法
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US6243689B1 (en) * 1998-12-29 2001-06-05 Robert G. Norton System and method for authorizing electronic funds transfer at a point of sale
WO2000045320A1 (en) * 1999-01-29 2000-08-03 Veristar Corporation Tokenless biometric electronic debit and credit transactions
US20030061172A1 (en) * 2001-09-21 2003-03-27 Timothy Robinson System and method for biometric authorization for financial transactions

Also Published As

Publication number Publication date
MA31070B1 (fr) 2010-01-04
MX2009005259A (es) 2009-10-13
AU2007320778A1 (en) 2008-05-22
ZA200903804B (en) 2010-03-31
US20120123879A1 (en) 2012-05-17
JP2010510565A (ja) 2010-04-02
GB0910301D0 (en) 2009-07-29
ES2372833B1 (es) 2013-01-29
CA2669789C (en) 2016-08-16
AP2009004898A0 (en) 2009-06-30
NZ577676A (en) 2012-04-27
ES2403336B1 (es) 2014-08-27
RU2479029C2 (ru) 2013-04-10
CN101573722A (zh) 2009-11-04
AT507761A2 (de) 2010-07-15
CA2669789A1 (en) 2008-05-22
WO2008059458A1 (en) 2008-05-22
RU2009122581A (ru) 2010-12-27
CN106096936A (zh) 2016-11-09
ES2403336A2 (es) 2013-05-17
AT507761A3 (de) 2016-03-15
MY151683A (en) 2014-06-30
AU2007320778B2 (en) 2012-09-13
KR20090103878A (ko) 2009-10-01
EP2097859A1 (en) 2009-09-09
DE112007002763T5 (de) 2009-09-24
ES2372833A1 (es) 2012-01-27
CH698353B1 (de) 2015-06-15
GB2457002A (en) 2009-08-05
US8768776B2 (en) 2014-07-01
SE0950456L (sv) 2009-07-21
FI20095661L (fi) 2009-06-12
KR20160040731A (ko) 2016-04-14
IL198739A0 (en) 2010-02-17
BRPI0718899A2 (pt) 2013-12-10

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