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1. WO2008007162 - CUSTOMER IDENTIFICATION AND AUTHENTICATION PROCEDURE FOR ONLINE INTERNET PAYMENTS USING MOBILE PHONES

Publication Number WO/2008/007162
Publication Date 17.01.2008
International Application No. PCT/IB2006/001904
International Filing Date 11.07.2006
IPC
G06Q 20/00 2012.01
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
CPC
G06Q 20/02
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
02involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
G06Q 20/12
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
08Payment architectures
12specially adapted for electronic shopping systems
G06Q 20/32
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
30characterised by the use of specific devices
32using wireless devices
G06Q 20/322
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
30characterised by the use of specific devices
32using wireless devices
322Aspects of commerce using mobile devices [M-devices]
G06Q 20/40
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
38Payment protocols; Details thereof
40Authorisation, 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
G06Q 20/425
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
38Payment protocols; Details thereof
42Confirmation, e.g. check or permission by the legal debtor of payment
425using two different networks, one for transaction and one for security confirmation
Applicants
  • ULTRA PROIZVODNJA ELEKTRONSKIH NAPRAV D.O.O [SI]/[SI] (AllExceptUS)
  • CHOWDHURY, Amor [SI]/[SI] (UsOnly)
  • BREZNIK, Gregor [SI]/[SI] (UsOnly)
  • VERDNIK, Klemen [SI]/[SI] (UsOnly)
  • PRIHAVEC, Bor [SI]/[SI] (UsOnly)
Inventors
  • CHOWDHURY, Amor
  • BREZNIK, Gregor
  • VERDNIK, Klemen
  • PRIHAVEC, Bor
Agents
  • KURIG, Thomas
Priority Data
Publication Language English (EN)
Filing Language English (EN)
Designated States
Title
(EN) CUSTOMER IDENTIFICATION AND AUTHENTICATION PROCEDURE FOR ONLINE INTERNET PAYMENTS USING MOBILE PHONES
(FR) PROCÉDURE D'IDENTIFICATION ET D'AUTHENTIFICATION POUR PAIEMENTS INTERNET EN LIGNE PAR TÉLÉPHONES MOBILES
Abstract
(EN)
This invention shows a mobile terminal device (3) having a memory unit (3 a) and an interface device (3b) which is releasably connectable to a multiple partner system (7,9,15) and capable for a communication therein, wherein said communication is provided by a front-end formed by said mobile terminal device (3) in combination with a personal computer device (2) and a back-end formed by a partner of said multiple partner system via communication ways, said communication being suitable for performing data transactions with variant security requirements, such that complementary parts of, or parts within a distributed application, running within a multi partner system, are performed dependent on their current security requirements, wherein said communication is used to exchange information by using said communication ways of different and variant characteristics (4,6,12,17,13) by using different communication channels and different interface standards or protocols.
(FR)
Terminal mobile (3) à unité mémoire (3a) et interface (3b) connectable de façon libérable avec un système de partenaires multiples (7, 9, 15) et capable d'assurer des communications, lesquelles sont assurées par un frontal que constitue ledit terminal (3) en combinaison avec un ordinateur personnel (2) et un dispositif arrière que constitue un partenaire du système de partenaires multiples (7, 9, 15) via des trajets de communications; lesdites communications se prêtent à des transaction de données selon des exigences de sécurité variables, de manière à exécuter, selon les exigences de sécurité courantes, des parties complémentaires ou des parties dans une application distribuée qui ont un déroulement au sein d'un système à partenaires multiples; en l'occurrence, on utilise lesdites communications pour un échange d'information faisant intervenir des caractéristiques différentes et variables (4, 6, 12, 17, 13) en utilisant différents canaux de communications et différentes normes d'interfaces ou différentes normes de protocoles.
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