WO2004070492A3 - Kontrolle von kreditkarten-transaktionen - Google Patents
Kontrolle von kreditkarten-transaktionen Download PDFInfo
- Publication number
- WO2004070492A3 WO2004070492A3 PCT/EP2004/000168 EP2004000168W WO2004070492A3 WO 2004070492 A3 WO2004070492 A3 WO 2004070492A3 EP 2004000168 W EP2004000168 W EP 2004000168W WO 2004070492 A3 WO2004070492 A3 WO 2004070492A3
- Authority
- WO
- WIPO (PCT)
- Prior art keywords
- credit card
- mobile terminal
- terminal
- transaction
- location
- Prior art date
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
- G06Q20/08—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
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
- G06Q20/3224—Transactions dependent on location of M-devices
-
- 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
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Engineering & Computer Science (AREA)
- Physics & Mathematics (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Finance (AREA)
- Computer Security & Cryptography (AREA)
- Computer Networks & Wireless Communication (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Cash Registers Or Receiving Machines (AREA)
Abstract
Bargeldlose Zahlungstransaktionen mittels eines Kreditkartenkontos werden durch die folgenden Schritte kontrolliert: a) Hinterlegung (10) einer Mobilterminal-Rufnummer unter Zuordnung zu dem Kreditkartenkonto, b) Auslösen und Autorisieren der Transaktion an einem Terminal (1), c) Abrechnung der Transaktion durch eine elektronische Datenkommunikation (6, 20) zwischen dem Terminal (1) und einem Computer (2) der Abwicklungsstelle, und d) zeitnahe Absendung (30) einer Nachricht über einen drahtlosen Datenkanal der Mobilterminal-Schnittstelle (5) an die hinterlegte Mobilterminal-Rufnummer. Weiterhin können Kreditkarten-Transaktionen durch die folgenden Schritte plausibilisiert werden: Auslösen einer Kreditkarten-Transaktion an einem elektronischen Terminal (1), im wesentliches zeitnahes Erfassen des Standorts eines Mobilterminals (3) mit einer Identifikationsnummer, die der Kreditkarte zugeordnet ist, und Vergleich des Standorts des Terminals (1) mit dem Standort des Mobilterminals (3).
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
DE10304265.2 | 2003-02-03 | ||
DE10304265A DE10304265A1 (de) | 2003-02-03 | 2003-02-03 | Kontrolle von Kreditkarten-Transaktionen |
Publications (2)
Publication Number | Publication Date |
---|---|
WO2004070492A2 WO2004070492A2 (de) | 2004-08-19 |
WO2004070492A3 true WO2004070492A3 (de) | 2005-01-13 |
Family
ID=32747539
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
PCT/EP2004/000168 WO2004070492A2 (de) | 2003-02-03 | 2004-01-13 | Kontrolle von kreditkarten-transaktionen |
Country Status (2)
Country | Link |
---|---|
DE (1) | DE10304265A1 (de) |
WO (1) | WO2004070492A2 (de) |
Families Citing this family (5)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
WO2009157003A1 (en) * | 2008-06-26 | 2009-12-30 | Suresh Babubhai Kapadia | A system and method for preventing misuse of stolen, lost, duplicated, forged and counterfeited credit card/debit card |
LU91488B1 (en) * | 2008-10-17 | 2010-04-19 | Robert Carter | Multifactor Authentication |
WO2011040401A1 (ja) * | 2009-09-30 | 2011-04-07 | 楽天株式会社 | クレジットカード不正防止システム |
US8781393B2 (en) | 2009-09-30 | 2014-07-15 | Ebay Inc. | Network updates of time and location |
WO2013160830A1 (en) * | 2012-04-23 | 2013-10-31 | Eraman Uvir | A server and mobile device for authorizing a transaction |
Citations (6)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
EP0745961A2 (de) * | 1995-05-31 | 1996-12-04 | AT&T IPM Corp. | Transaktionsermächtigungs- und -warnsystem |
WO1998034203A1 (en) * | 1997-01-30 | 1998-08-06 | Qualcomm Incorporated | Method and apparatus for performing financial transactions using a mobile communication unit |
WO1998047116A1 (en) * | 1997-04-15 | 1998-10-22 | Telefonaktiebolaget Lm Ericsson (Publ) | Tele/datacommunications payment method and 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 |
EP1134707A1 (de) * | 2000-03-17 | 2001-09-19 | Tradesafely.com Limited | Verfahren und Gerät zur Zahlungsberechtigung |
US20020108062A1 (en) * | 2000-05-15 | 2002-08-08 | Takayuki Nakajima | Authentication system and method |
Family Cites Families (2)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
DE10025565A1 (de) * | 2000-03-01 | 2001-09-06 | Siemens Ag | Anordnung und Verfahren zur Bestätigung eines Kreditkarten-Zahlungsvorgangs über ein Mobilfunknetz |
DE10039572A1 (de) * | 2000-08-09 | 2002-03-28 | Deutsche Telekom Ag | Verfahren zur Überprüfung von Zahlungsvorgängen mit Kreditkarten |
-
2003
- 2003-02-03 DE DE10304265A patent/DE10304265A1/de not_active Ceased
-
2004
- 2004-01-13 WO PCT/EP2004/000168 patent/WO2004070492A2/de active Application Filing
Patent Citations (6)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
EP0745961A2 (de) * | 1995-05-31 | 1996-12-04 | AT&T IPM Corp. | Transaktionsermächtigungs- und -warnsystem |
WO1998034203A1 (en) * | 1997-01-30 | 1998-08-06 | Qualcomm Incorporated | Method and apparatus for performing financial transactions using a mobile communication unit |
WO1998047116A1 (en) * | 1997-04-15 | 1998-10-22 | Telefonaktiebolaget Lm Ericsson (Publ) | Tele/datacommunications payment method and 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 |
EP1134707A1 (de) * | 2000-03-17 | 2001-09-19 | Tradesafely.com Limited | Verfahren und Gerät zur Zahlungsberechtigung |
US20020108062A1 (en) * | 2000-05-15 | 2002-08-08 | Takayuki Nakajima | Authentication system and method |
Also Published As
Publication number | Publication date |
---|---|
DE10304265A1 (de) | 2004-08-26 |
WO2004070492A2 (de) | 2004-08-19 |
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