WO2002013147A3 - Method for checking credit card payment processes - Google Patents

Method for checking credit card payment processes Download PDF

Info

Publication number
WO2002013147A3
WO2002013147A3 PCT/EP2001/007698 EP0107698W WO0213147A3 WO 2002013147 A3 WO2002013147 A3 WO 2002013147A3 EP 0107698 W EP0107698 W EP 0107698W WO 0213147 A3 WO0213147 A3 WO 0213147A3
Authority
WO
WIPO (PCT)
Prior art keywords
credit card
mobile radio
card holder
sms
radio telephone
Prior art date
Application number
PCT/EP2001/007698
Other languages
German (de)
French (fr)
Other versions
WO2002013147A2 (en
Inventor
Michael Rinschen
Original Assignee
Deutsche Telekom Ag
Michael Rinschen
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 Deutsche Telekom Ag, Michael Rinschen filed Critical Deutsche Telekom Ag
Publication of WO2002013147A2 publication Critical patent/WO2002013147A2/en
Publication of WO2002013147A3 publication Critical patent/WO2002013147A3/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
    • G06Q20/04—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
    • G06Q20/30—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
    • G06Q20/326—Payment applications installed on the mobile 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
    • G06Q20/322—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
    • G06Q20/42—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

Abstract

Damage caused by unauthorised use of credit cards can be limited all the more effectively the sooner the credit card holder reports an unauthorised use to the card company. Known methods for checking the protection of the credit card or the identity of the user have not been effectively implemented in practice. Account-freezing cards and a reported account freeze are dependent on the time the unauthorised use is recorded. The invention relates to a method whereby credit card payment processes can be controlled by the credit card holder almost at the same time as the operation is carried out. The method uses the 'Short-Message-Service' (SMS), as known in mobile radio telephony, in such a way that the payment processes are displayed to the credit card holder on the display screen of his/her mobile radio telephone device without delay. A transfer centre in the mobile radio telephone service network co-operates with the card companies and sends the payment process data in the form of an SMS message to the mobile radio telephone device of the credit card holder. Said method can be used in an analogous manner in the fixed network as long as an SMS-type service is available.
PCT/EP2001/007698 2000-08-09 2001-07-05 Method for checking credit card payment processes WO2002013147A2 (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
DE10039572.4 2000-08-09
DE10039572A DE10039572A1 (en) 2000-08-09 2000-08-09 Procedure for checking payment transactions with credit cards

Publications (2)

Publication Number Publication Date
WO2002013147A2 WO2002013147A2 (en) 2002-02-14
WO2002013147A3 true WO2002013147A3 (en) 2003-07-31

Family

ID=7652306

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/EP2001/007698 WO2002013147A2 (en) 2000-08-09 2001-07-05 Method for checking credit card payment processes

Country Status (2)

Country Link
DE (1) DE10039572A1 (en)
WO (1) WO2002013147A2 (en)

Families Citing this family (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
DE10304265A1 (en) * 2003-02-03 2004-08-26 Mega-Tel Ag Control of credit card transactions
DE10331733A1 (en) * 2003-07-11 2005-01-27 Rene Lehmann Terminal e.g. for paying system in electronic transaction, has SIM which aids operation of terminal such as mobile phone with control equipment has in and output equipment to operate terminal
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
WO2014146227A1 (en) * 2013-03-18 2014-09-25 深圳市银信网银科技有限公司 Paying method and system by using network
RU2013116643A (en) * 2013-04-12 2014-10-20 Гуров Александр Ефимович PAYMENT SIGN WITH METHOD, APPLICATION AND PAYMENT SYSTEM

Citations (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
DE4426428A1 (en) * 1994-05-19 1995-11-23 Wong Kam Fu Credit card transaction security system
US5530438A (en) * 1995-01-09 1996-06-25 Motorola, Inc. Method of providing an alert of a financial transaction
WO1998047116A1 (en) * 1997-04-15 1998-10-22 Telefonaktiebolaget Lm Ericsson (Publ) Tele/datacommunications payment method and apparatus
WO1999010844A1 (en) * 1997-08-12 1999-03-04 Rolf Rising System for the debiting, collection and distribution of parking fees
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
WO1999023617A2 (en) * 1997-11-04 1999-05-14 Gilles Kremer Method for transmitting data and implementing server
US6064990A (en) * 1998-03-31 2000-05-16 International Business Machines Corporation System for electronic notification of account activity

Patent Citations (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
DE4426428A1 (en) * 1994-05-19 1995-11-23 Wong Kam Fu Credit card transaction security system
US5530438A (en) * 1995-01-09 1996-06-25 Motorola, Inc. Method of providing an alert of a financial transaction
WO1998047116A1 (en) * 1997-04-15 1998-10-22 Telefonaktiebolaget Lm Ericsson (Publ) Tele/datacommunications payment method and apparatus
WO1999010844A1 (en) * 1997-08-12 1999-03-04 Rolf Rising System for the debiting, collection and distribution of parking fees
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
WO1999023617A2 (en) * 1997-11-04 1999-05-14 Gilles Kremer Method for transmitting data and implementing server
US6064990A (en) * 1998-03-31 2000-05-16 International Business Machines Corporation System for electronic notification of account activity

Also Published As

Publication number Publication date
DE10039572A1 (en) 2002-03-28
WO2002013147A2 (en) 2002-02-14

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