System and Method for Transaction Payment in Multiple Languages and Currencies
First Claim
1. A method for transaction payment where user identification data are transmitted to a central dispatch module (107) over a first communication channel (101), where the user is identified in a databank (103) based on the user identification data, and where the transaction data are sent to a processing module (105/106), and where a confirmation of the transaction is sent to the user over a second communication channel (108), characterised in thatservice identification data are transmitted to a central dispatch module (107) with the user identification data over the first communication channel (101),the central dispatch module (107) compares the received user identification data with the user identification data stored in the authentication databank (103), and that a user is authenticated by means of the central dispatch module (107) if the probability of match of the received user identification and stored user identification data is above a predefined threshold,after a successful authentication, the central dispatch module (107) retrieves one or more personal data records corresponding to the user from the databank (103) based on the user identification data and the service identification data, and modifies at least one personal data record of the user based on the time and/or place and/or mode of the data retrieval, andthe central dispatch module (107) transmits one or more personal data records of the user to at least one processing module (105/106) based on the service identification data and personal data records of the user.
0 Assignments
0 Petitions
Accused Products
Abstract
The invention relates to a method and system for transaction payment wherein user identification data from an identification module (100) are transmitted to a central dispatch module (107) over a first communication channel (101), wherein the user is identified in a database (103) based on the user identification data, wherein the transaction data are sent to processing module (105/106), wherein the central dispatch module (107) compares the received user identification data with the user identification data stored in the authentication database (103) and authenticates a user by means of the central dispatch module (107) if the probability of match of the received user identification and stored user identification data is above a predefined threshold, wherein the central dispatch module (107) retrieves one or more personal data records corresponding to the authenticated user from the database (103) based on the user identification data and the authentication data and modifies at least one personal data record of the user based on the time and/or place and/or mode of the data retrieval, wherein the central dispatch module (107) transmits one or more personal data records of the user to at least one corresponding processing module (105/106) based on the personal data records of the user, and wherein a confirmation of the transaction is sent to the user over a second communication channel (108).
-
Citations
24 Claims
-
1. A method for transaction payment where user identification data are transmitted to a central dispatch module (107) over a first communication channel (101), where the user is identified in a databank (103) based on the user identification data, and where the transaction data are sent to a processing module (105/106), and where a confirmation of the transaction is sent to the user over a second communication channel (108), characterised in that
service identification data are transmitted to a central dispatch module (107) with the user identification data over the first communication channel (101), the central dispatch module (107) compares the received user identification data with the user identification data stored in the authentication databank (103), and that a user is authenticated by means of the central dispatch module (107) if the probability of match of the received user identification and stored user identification data is above a predefined threshold, after a successful authentication, the central dispatch module (107) retrieves one or more personal data records corresponding to the user from the databank (103) based on the user identification data and the service identification data, and modifies at least one personal data record of the user based on the time and/or place and/or mode of the data retrieval, and the central dispatch module (107) transmits one or more personal data records of the user to at least one processing module (105/106) based on the service identification data and personal data records of the user.
-
13. A system for transaction payment comprising means for transmitting user identification data to a central dispatch module (107) over a first communication channel (101), a databank (103) for identifying the user based on the user identification data, means (104) for transmitting the transaction data to a processing module (105/106), and means for sending a confirmation of the transaction to the user over a second communication channel (108), characterised in that it further comprises
means (100) for transmitting service identification data with the user identification data to a central dispatch module (107), means (102) for comparing the received user identification data with the user identification data stored in the authentication databank (103), where a user is authenticated by means of the central dispatch module (107) if the probability of match of the received user identification and stored user identification data is above a predefined threshold, means (102) for retrieving one or more personal data records corresponding to the authenticated user from the databank (103) based on the user identification data and the service identification data and modifying at least one personal data record of the user based on the time and/or place and/or mode of the data retrieval, means (104) for transmitting one or more personal data records of the user from the central dispatch module (107) to at least one processing module (105/106) based on the service identification data and the personal data records of the user.
Specification