WO1999014711A3 - Method for checking rightful use of a debit card or similar means giving right of disposing of a bank account - Google Patents

Method for checking rightful use of a debit card or similar means giving right of disposing of a bank account Download PDF

Info

Publication number
WO1999014711A3
WO1999014711A3 PCT/HU1998/000087 HU9800087W WO9914711A3 WO 1999014711 A3 WO1999014711 A3 WO 1999014711A3 HU 9800087 W HU9800087 W HU 9800087W WO 9914711 A3 WO9914711 A3 WO 9914711A3
Authority
WO
WIPO (PCT)
Prior art keywords
signal
disposing
checking
authorization
bank account
Prior art date
Application number
PCT/HU1998/000087
Other languages
French (fr)
Other versions
WO1999014711A2 (en
Inventor
Akos Andrasev
Original Assignee
Akos Andrasev
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
Priority claimed from HU9701553A external-priority patent/HU9701553D0/en
Priority claimed from HU9702485A external-priority patent/HU9702485D0/en
Application filed by Akos Andrasev filed Critical Akos Andrasev
Priority to CA002303893A priority Critical patent/CA2303893A1/en
Priority to AU93624/98A priority patent/AU9362498A/en
Priority to EP98946630A priority patent/EP1021802A2/en
Publication of WO1999014711A2 publication Critical patent/WO1999014711A2/en
Publication of WO1999014711A3 publication Critical patent/WO1999014711A3/en

Links

Classifications

    • 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
    • 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
    • G06Q20/22—Payment schemes or models
    • G06Q20/26—Debit schemes, e.g. "pay now"
    • 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]
    • 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
    • G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
    • G06Q20/3255—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks using mobile network messaging services for payment, e.g. SMS
    • 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
    • G06Q20/403—Solvency checks
    • G06Q20/4037—Remote 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
    • 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

Abstract

The procedure according to the invention can be used both for granting authority verbally or electronically for the usage of a bank card, or for performing the investigation of the authority of a money order, prior to its execution. The essence of the procedure is that, prior to each intended transaction, in addition to the otherwise well known authorizing signal with a meaning of permitting the use of the card or to issue a money order, the authorizing signal will be overwritten by an authorization override signal, deducted from a return message signal obtained previously from the decision maker through a telecommunication network, preferably through a digital mobile telecommunication network, in the form of an SMS message signal, as a reply to an authorization override request message, and the transaction is authorized by means of the authorizing signal validated by and having the meaning of the override authorization signal.
PCT/HU1998/000087 1997-09-17 1998-09-17 Method for checking rightful use of a debit card or similar means giving right of disposing of a bank account WO1999014711A2 (en)

Priority Applications (3)

Application Number Priority Date Filing Date Title
CA002303893A CA2303893A1 (en) 1997-09-17 1998-09-17 Method for checking rightful use of a debit card or similar means giving right of disposing of a bank account
AU93624/98A AU9362498A (en) 1997-09-17 1998-09-17 Method for checking rightful use of a debit card or similar means giving right of disposing of a bank account
EP98946630A EP1021802A2 (en) 1997-09-17 1998-09-17 Method for checking rightful use of a debit card or similar means giving right of disposing of a bank account

Applications Claiming Priority (6)

Application Number Priority Date Filing Date Title
HUP9701553 1997-09-17
HU9701553A HU9701553D0 (en) 1997-09-17 1997-09-17 Method for checking authorised use of credit cards or other devices having right of disposing of bank account
HUP9702485 1997-12-17
HU9702485A HU9702485D0 (en) 1997-12-17 1997-12-17 Method of controlling legality of use of a bank card or an other device having power of disposing of a bank account or being in command of a bank account
HU9802109A HU223427B1 (en) 1997-09-17 1998-09-17 Method of assuring legality of use of a bank card or an other device providing access to a bank account
HUP9802109 1998-09-17

Publications (2)

Publication Number Publication Date
WO1999014711A2 WO1999014711A2 (en) 1999-03-25
WO1999014711A3 true WO1999014711A3 (en) 1999-06-10

Family

ID=89997102

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/HU1998/000087 WO1999014711A2 (en) 1997-09-17 1998-09-17 Method for checking rightful use of a debit card or similar means giving right of disposing of a bank account

Country Status (5)

Country Link
EP (1) EP1021802A2 (en)
AU (1) AU9362498A (en)
CA (1) CA2303893A1 (en)
HU (1) HU223427B1 (en)
WO (1) WO1999014711A2 (en)

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US8346678B1 (en) 2000-12-29 2013-01-01 Citicorp Development Center, Inc. Method and system for conducting commerce over a wireless communication network
US9418381B2 (en) 2000-04-14 2016-08-16 Citigroup Credit Services, Inc. (USA) Method and system for notifying customers of transaction opportunities

Families Citing this family (47)

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US6226624B1 (en) * 1997-10-24 2001-05-01 Craig J. Watson System and method for pre-authorization of individual account remote transactions
FR2792143B1 (en) * 1999-04-12 2004-04-02 Sarl Smart Design METHOD AND SYSTEM FOR SECURING THE USE OF CARDS COMPRISING MEANS OF IDENTIFICATION AND / OR AUTHENTICATION
US7249093B1 (en) 1999-09-07 2007-07-24 Rysix Holdings, Llc Method of and system for making purchases over a computer network
EP1087350A1 (en) * 1999-09-22 2001-03-28 Trintech Limited A method for the secure transfer of payments
WO2001022374A1 (en) * 1999-09-22 2001-03-29 Trintech Limited A method for the secure transfer of payments
US6647272B1 (en) * 1999-11-19 2003-11-11 Nokia Corporation Apparatus, and associated method, for automatically notifying a mobile station of occurrence of a triggering event
US8725632B2 (en) 2000-01-13 2014-05-13 Citicorp Development Center, Inc. Method and system for conducting financial and non-financial transactions using a wireless device
WO2001055984A1 (en) * 2000-01-28 2001-08-02 Fundamo (Proprietary) Limited Flexible electronic system for conducting commercial transactions
TW550477B (en) 2000-03-01 2003-09-01 Passgate Corp Method, system and computer readable medium for Web site account and e-commerce management from a central location
US7865414B2 (en) 2000-03-01 2011-01-04 Passgate Corporation Method, system and computer readable medium for web site account and e-commerce management from a central location
EP1510984A3 (en) * 2000-03-01 2005-06-08 Passgate Corporation Method, system and computer readable medium for web site account and e-commerce management from a central location
ITPI20000011A1 (en) * 2000-03-03 2001-09-03 Emanuele Gagliano METHOD AND PAYMENT SYSTEM FOR E-COMMERCE AND MOBILE COMMERCE BASED ON THE COMBINED USE OF INTERNET AND MOBILE TELEPHONE NETWORKS
EP1134707A1 (en) * 2000-03-17 2001-09-19 Tradesafely.com Limited Payment authorisation method and apparatus
GB2360383C (en) * 2000-03-17 2005-10-10 Tradesafely Com Ltd Payment authorisation method and apparatus
AU2387901A (en) * 2000-03-17 2001-09-24 Tradesafely.Com Limited Payment authorisation method and apparatus
US8032453B2 (en) 2000-04-14 2011-10-04 Citicorp Development Center, Inc. Method and system for notifying customers of transaction opportunities
EP1150262A3 (en) * 2000-04-26 2004-08-11 International Business Machines Corporation Payment for network-based commercial transactions using a mobile phone
ITRM20000374A1 (en) * 2000-07-07 2002-01-07 Tre Sigma Srl THE TRESIGMA TORO SYSTEM.
AU2001280023A1 (en) * 2000-07-17 2002-01-30 Richard O'connell System and methods of validating an authorized user of a payment card and authorization of a payment card transaction
DE10039572A1 (en) * 2000-08-09 2002-03-28 Deutsche Telekom Ag Procedure for checking payment transactions with credit cards
GB2366432A (en) * 2000-09-04 2002-03-06 Sonera Smarttrust Oy Secure electronic payment system
FR2815203A1 (en) * 2000-10-05 2002-04-12 Ntsys INTERNET SECURE PAYMENT AGENT WITH MOBILE PHONE VALIDATION
FR2815745B1 (en) * 2000-10-25 2003-01-10 Cedric Remy SECURE TELEMATICS PAYMENT METHOD
EP1211653A1 (en) * 2000-12-01 2002-06-05 Atlinks Bill payment system using telephone networks
GB2370668A (en) * 2000-12-27 2002-07-03 Mark Christie Notification system for card transactions
US20020133462A1 (en) * 2001-03-16 2002-09-19 Koninklijke Philips Electronics N.V. Instant electronic notification of credit card use serves as deterrent
FR2827982B1 (en) * 2001-07-27 2005-02-18 Smart Design METHOD FOR SECURING TRANSACTIONS
FR2828309B1 (en) * 2001-08-02 2005-08-26 Ascom Monetel METHOD AND DEVICE FOR SECURING TRANSACTIONS
EP1302917A3 (en) * 2001-08-16 2004-01-02 Siemens Aktiengesellschaft Method and apparatus for electronic payment of goods and services, in particular for an application on a data network
GB2381633A (en) * 2001-11-02 2003-05-07 Nokia Corp Controlling transactions
FR2833127B1 (en) 2001-12-05 2004-04-02 Mobileway METHOD FOR EXCHANGING DATA RELATING TO AN ELECTRIC TRANSACTION
WO2003079258A1 (en) * 2002-03-20 2003-09-25 Tan Kah Pheng Alex Anti fraud mobile alert system
GB2398159A (en) * 2003-01-16 2004-08-11 David Glyn Williams Electronic payment authorisation using a mobile communications device
DE10304265A1 (en) * 2003-02-03 2004-08-26 Mega-Tel Ag Control of credit card transactions
EP1604339A1 (en) * 2003-03-06 2005-12-14 Fortunatus Holdings Limited Secure transaction system
GB2399209B (en) * 2003-03-06 2006-09-13 Fortunatus Holdings Ltd Secure transaction system
GB2423620A (en) * 2005-02-25 2006-08-30 Discount Comp Supplies Ltd Vending machine payment system
US7357310B2 (en) 2005-03-11 2008-04-15 Gerry Calabrese Mobile phone charge card notification and authorization method
US20070125840A1 (en) * 2005-12-06 2007-06-07 Boncle, Inc. Extended electronic wallet management
GB2438651A (en) * 2006-06-02 2007-12-05 Michael Arnold Secure financial transactions
DE102006037167A1 (en) * 2006-08-09 2008-02-14 Deutsche Telekom Ag Method and system for carrying out a payment transaction with a means of payment
FR2908211B1 (en) * 2006-11-08 2009-02-20 Paycool Int Ltd METHOD AND SYSTEM FOR REMOVING MONEY USING A MOBILE TELEPHONE
EP1921578A1 (en) * 2006-11-13 2008-05-14 Yellow One Asset Management Ltd. Payment method and system between the buyer and seller by means of a third party
NL2001309C2 (en) * 2008-02-22 2009-08-25 West 6 B V Method for securing electronic cash transaction between point-of-sale terminal and payment server of communications system, involves sending confirmation message to communication device associated with bank account over connection
EA016997B1 (en) * 2008-05-14 2012-09-28 Шин, Елена Ильинична Process of remote user authentication in computer networks to perform the cellphone-assisted secure transactions
DE102009060946A1 (en) * 2009-12-23 2011-06-30 Doering, Wolfram, 13469 Method for electronic communication of banking orders and communication system for carrying out the method
EP2667343A1 (en) * 2012-05-24 2013-11-27 Stefano Petta Method for managing an authorization of a financial transaction request

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EP0745961A2 (en) * 1995-05-31 1996-12-04 AT&T IPM Corp. Transaction authorization and alert system
US5613001A (en) * 1996-01-16 1997-03-18 Bakhoum; Ezzat G. Digital signature verification technology for smart credit card and internet applications
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Patent Citations (4)

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EP0745961A2 (en) * 1995-05-31 1996-12-04 AT&T IPM Corp. Transaction authorization and alert system
US5659165A (en) * 1995-07-24 1997-08-19 Citibank. N.A. Customer-directed, automated process for transferring funds between accounts via a communications network
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Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US9418381B2 (en) 2000-04-14 2016-08-16 Citigroup Credit Services, Inc. (USA) Method and system for notifying customers of transaction opportunities
US8346678B1 (en) 2000-12-29 2013-01-01 Citicorp Development Center, Inc. Method and system for conducting commerce over a wireless communication network

Also Published As

Publication number Publication date
CA2303893A1 (en) 1999-03-25
HUP9802109A1 (en) 1999-04-28
HU223427B1 (en) 2004-06-28
WO1999014711A2 (en) 1999-03-25
AU9362498A (en) 1999-04-05
EP1021802A2 (en) 2000-07-26
HU9802109D0 (en) 1998-11-30

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