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1. WO2019087349 - FINANCIAL TRANSACTION CONTROL SYSTEM, APPLICATION THEREFOR, FINANCIAL TRANSACTION METHOD USING SAME, AND FINANCIAL TRANSACTION CONTROL METHOD

Publication Number WO/2019/087349
Publication Date 09.05.2019
International Application No. PCT/JP2017/039703
International Filing Date 02.11.2017
IPC
G06Q 20/34 2012.1
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
30characterised by the use of specific devices
34using cards, e.g. integrated circuit cards or magnetic cards
CPC
G06F 21/32
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
FELECTRIC DIGITAL DATA PROCESSING
21Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
30Authentication, i.e. establishing the identity or authorisation of security principals
31User authentication
32using biometric data, e.g. fingerprints, iris scans or voiceprints
G06F 21/602
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
FELECTRIC DIGITAL DATA PROCESSING
21Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
60Protecting data
602Providing cryptographic facilities or services
G06F 21/6218
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
FELECTRIC DIGITAL DATA PROCESSING
21Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
60Protecting data
62Protecting access to data via a platform, e.g. using keys or access control rules
6218to a system of files or objects, e.g. local or distributed file system or database
G06F 21/78
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
FELECTRIC DIGITAL DATA PROCESSING
21Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
70Protecting specific internal or peripheral components, in which the protection of a component leads to protection of the entire computer
78to assure secure storage of data
G06Q 20/4012
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
4012Verifying personal identification numbers [PIN]
G06Q 20/40145
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
40145Biometric identity checks
Applicants
  • 株式会社LEIS LEIS CO.LTD. [JP]/[JP]
Inventors
  • 松永 力 MATSUNAGA Chikara
Agents
  • 永井 道彰 NAGAI,Michiaki
Priority Data
Publication Language Japanese (JA)
Filing Language Japanese (JA)
Designated States
Title
(EN) FINANCIAL TRANSACTION CONTROL SYSTEM, APPLICATION THEREFOR, FINANCIAL TRANSACTION METHOD USING SAME, AND FINANCIAL TRANSACTION CONTROL METHOD
(FR) SYSTÈME DE COMMANDE DE TRANSACTIONS FINANCIÈRES, APPLICATION ASSOCIÉE, PROCÉDÉ DE TRANSACTIONS FINANCIÈRES L'UTILISANT, ET PROCÉDÉ DE COMMANDE DE TRANSACTIONS FINANCIÈRES
(JA) 金融取引制御システム、そのアプリケーション、それを用いた金融取引方法、および金融取引制御方法
Abstract
(EN)
[Problem] To provide a financial transaction control system that makes it possible to reliably prevent unauthorized use via skimming or identity fraud by a third party by limiting the availability state of a user medium in financial transactions such as use of credit and use of debit. [Solution] A financial transaction control system is provided with an availability status information state control means that controls the switching of availability status information indicating whether the card or the account of a user is in a valid or invalid state or whether a transaction can be accepted. The availability status information state control means maintains a normal invalid state in which the invalid state of the availability status information is the default setting. The availability status information is switched upon receiving information transmitted from a user terminal such as switching request information for switching the availability status information so as to be valid or financial transaction processing request information for starting a financial transaction. After switching to the valid state, the state is switched back to the invalid state as a result of a predetermined condition.
(FR)
L'invention traite le problème de la réalisation d'un système de commande de transactions financières qui permet d'empêcher de manière fiable une utilisation non autorisée via un écumage ou une fraude à l'identité par un tiers en limitant l'état de disponibilité d'un support d'utilisateur dans des transactions financières telles que l'utilisation d'un crédit et l'utilisation d'un débit. La solution selon l'invention fait intervenir un système de commande de transactions financières muni d'un moyen de commande d'état d'informations d'état de disponibilité qui commande la commutation des informations d'état de disponibilité indiquant si la carte ou le compte d'un utilisateur est dans un état valide ou invalide ou si une transaction peut être acceptée. Le moyen de commande d'état d'informations d'état de disponibilité maintient un état invalide normal, dans lequel l'état invalide des informations d'état de disponibilité est le réglage par défaut. Les informations d'état de disponibilité sont changées suite à la réception d'informations émises en provenance d'un terminal d'utilisateur, par exemple des informations de demande de changement visant à changer les informations d'état de disponibilité de telle façon qu'elles soient valides ou des informations de demande de traitement de transaction financière visant à commencer une transaction financière. Après le passage à l'état valide, l'état est ramené à l'état invalide sous l'effet d'une condition prédéterminée.
(JA)
【課題】 クレジット利用、デビッド利用などの金融取引において、利用者媒体の利用可否状態を制限することにより、確実に、第三者の成り済まし使用やスキミングによる不正使用の防止ができる金融取引制御システムを提供する。 【解決手段】 利用者のカードまたはアカウントの有効無効状態またはトランザクション受け入れ可否の状態を示す利用可否ステイタス情報の切り替えを制御する利用可否ステイタス情報状態制御手段を備える。利用可否ステイタス情報状態制御手段は利用可否ステイタス情報の無効状態をデフォルト設定として通常時無効状態に維持する。利用可否ステイタス情報を有効に切り替える旨の切り替えリクエスト情報、金融取引処理を開始する旨の金融取引処理リクエスト情報など利用者端末から送信される情報を受けて利用可否ステイタス情報を切り替える。有効状態に切り替えた後、所定条件により無効状態に切り替え戻す。
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