WO2007004202A3 - System and method for performing card transactions - Google Patents

System and method for performing card transactions Download PDF

Info

Publication number
WO2007004202A3
WO2007004202A3 PCT/ID2006/000004 ID2006000004W WO2007004202A3 WO 2007004202 A3 WO2007004202 A3 WO 2007004202A3 ID 2006000004 W ID2006000004 W ID 2006000004W WO 2007004202 A3 WO2007004202 A3 WO 2007004202A3
Authority
WO
WIPO (PCT)
Prior art keywords
transaction
card
menu
card transactions
customer
Prior art date
Application number
PCT/ID2006/000004
Other languages
French (fr)
Other versions
WO2007004202A2 (en
Inventor
Daniel Suisa
Original Assignee
Daniel Suisa
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 Daniel Suisa filed Critical Daniel Suisa
Publication of WO2007004202A2 publication Critical patent/WO2007004202A2/en
Publication of WO2007004202A3 publication Critical patent/WO2007004202A3/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
    • G06Q20/38—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
    • G06Q20/409—Device specific authentication in transaction processing
    • G06Q20/4093—Monitoring of device authentication
    • 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
    • G06Q20/16—Payments settled via telecommunication 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
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • 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
    • G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

Abstract

A system and method for performing a transaction with a card is presented. Initially, a card is issued to a customer (card holder) by a card issuer, wherein the card contains a transaction menu and/or a transaction program. Next, a transaction is performed at a transaction terminal with the card using the transaction menu and/or the transaction program acquired from the card. Accordingly, the transaction is forwarded to the card issuer for an authorization. The customer can thereby perform transactions at home terminals and third party terminals around the world with the same transaction menu.
PCT/ID2006/000004 2005-07-01 2006-06-26 System and method for performing card transactions WO2007004202A2 (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
ID20050349 2005-07-01
IDP00200500349 2005-07-01

Publications (2)

Publication Number Publication Date
WO2007004202A2 WO2007004202A2 (en) 2007-01-11
WO2007004202A3 true WO2007004202A3 (en) 2007-05-31

Family

ID=37604872

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/ID2006/000004 WO2007004202A2 (en) 2005-07-01 2006-06-26 System and method for performing card transactions

Country Status (1)

Country Link
WO (1) WO2007004202A2 (en)

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4874935A (en) * 1986-03-10 1989-10-17 Data Card Coprporation Smart card apparatus and method of programming same
US5844218A (en) * 1996-07-16 1998-12-01 Transaction Technology, Inc. Method and system for using an application programmable smart card for financial transactions in multiple countries
WO2000051086A1 (en) * 1999-02-22 2000-08-31 Telefonaktiebolaget Lm Ericsson Mobile communications device
KR20010037946A (en) * 1999-10-21 2001-05-15 신동철 Apparatus for confirming credit card user

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4874935A (en) * 1986-03-10 1989-10-17 Data Card Coprporation Smart card apparatus and method of programming same
US5844218A (en) * 1996-07-16 1998-12-01 Transaction Technology, Inc. Method and system for using an application programmable smart card for financial transactions in multiple countries
WO2000051086A1 (en) * 1999-02-22 2000-08-31 Telefonaktiebolaget Lm Ericsson Mobile communications device
KR20010037946A (en) * 1999-10-21 2001-05-15 신동철 Apparatus for confirming credit card user

Also Published As

Publication number Publication date
WO2007004202A2 (en) 2007-01-11

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