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1. WO2011120098 - METHODS AND SYSTEMS FOR VERIFYING TRANSACTIONS

Publication Number WO/2011/120098
Publication Date 06.10.2011
International Application No. PCT/AU2011/000377
International Filing Date 31.03.2011
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 20/24
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
22Payment schemes or models
24Credit schemes, i.e. "pay after"
G06Q 20/382
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
382insuring higher security of transaction
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 20/4014
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
401Transaction verification
4014Identity check for transactions
G06Q 20/409
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
409Device specific authentication in transaction processing
Applicants
  • ISIGNTHIS LTD (AllExceptUS)
  • KARANTZIS, Nickolas, John [AU]/[AU] (UsOnly)
Inventors
  • KARANTZIS, Nickolas, John
Agents
  • MERLINO, Connie
Priority Data
201010053328.05.2010AU
61/320,59702.04.2010US
61/349,74128.05.2010US
Publication Language English (EN)
Filing Language English (EN)
Designated States
Title
(EN) METHODS AND SYSTEMS FOR VERIFYING TRANSACTIONS
(FR) PROCÉDÉS ET SYSTÈMES DE VÉRIFICATION DE TRANSACTIONS
Abstract
(EN)
An aspect of the present invention provides a computer-implemented method for verifying authorisation of a transaction. The method comprises the steps of: receiving a request to process an electronic transaction for a predetermined amount of money (215); dividing the predetermined amount into a plurality of charges (225); providing the plurality of charges to facilitate debiting of a financial instrument with each of the plurality of charges (235); receiving information relating to the plurality of charges from a user of the financial instrument after debiting of the charges (245); and verifying the transaction only if the information is correct (255).
(FR)
L'invention concerne un procédé informatisé de vérification de l'autorisation d'une transaction. Le procédé comprend les étapes de : réception d'une demande de traitement d'une transaction électronique pour une somme d'argent prédéterminée (215); division de la somme prédéterminée en une pluralité d'imputations (225); obtention de la pluralité d'imputations pour faciliter le débit d'un instrument financier avec chacune de la pluralité d'imputations (235); réception des informations relatives à la pluralité d'imputations en provenance d'un utilisateur de l'instrument financier après le débit des imputations (245); et vérification de la transaction seulement si les informations sont correctes (255).
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