Method for providing identification data of a banking card to a user

• US 20030194989A1
• Filed: 02/28/2003
• Published: 10/16/2003
• Est. Priority Date: 08/28/2000
• Status: Active Grant

• Current Assignee: Gemalto SA (Thales SA)
• Original Assignee: Axalto SA (Thales SA)
• Inventors: Guion, Christian
• Granted Patent: US 7,017,804 B2
• Time in Patent Office: Days
• US Class Current: 455/406
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/342 Cards defining paid or billed services or quantities
• CPC Class Codes: G06Q 20/385 using an alias or single-use codes
• CPC Class Codes: G07F 7/025 by means, e.g. cards, providing billing information at the time of purchase, e.g. identification of seller or purchaser, quantity of goods delivered or to be delivered

Abstract

The invention concerns a method for securely providing identification data of a banking card to a user. The invention is characterised in that said identification data of the banking card are directly created by said user from appropriate generating means (6, 1), the resulting generated card data are then communicated through telecommunication means (6, 5; 1, 2) to a computer server of a financial institution managing said card.

Claims

1. / Method for securely providing identification data of a banking card to a user, characterised in that said identification data of the banking card are directly created by said user from appropriate generating means (6,1), the resulting generated card data are then communicated through telecommunication means (6, 5;

1, 2) to a computer server of a financial institution managing said card.

2. / Method according to claim 1, characterised in that the said identification data consist in the number and the validity date of the said payment card.

3. / Method according to any one of the claims 1 to 2, characterised in that the said identification data of the said payment card are directly created via a telephone (6) especially adapted for this.

4. / Method according to claim 3, characterised in that the said data are worked out by an appropriate software fitted on the SIM printed circuit card in a cellular radio telephone of the GSM type (6)

5. / Method according to any of the claims 3 to 4, characterised in that the said telephone (6) automatically communicates the said identification data to the said server (4).

6. / Method according to claims 4 and 5, characterised in that the said data are communicated to the server (4) via the said cellular telephone network (5) as an SMS message.

7. / Method according to any of the claims 1 to 2, characterised in that the said identification data for the said payment card are directly created using a Pc (1).

8. / Method according to any of the previous claims, characterised in that the said PC (1) automatically communicates the said identification data to the said server (4) using the Internet network (2).

9. / Method according to any of the previous claims, characterised in that the said payment card is only valid for a limited number of deals and for a limited time.

10. / Method according to any of the previous claims, characterised in that the said payment card is only valid for a single deal.