METHOD FOR SECURING TRANSACTIONS, TRANSACTION DEVICE, BANK SERVER, MOBILE TERMINAL, AND CORRESPONDING COMPUTER PROGRAMS
First Claim
1. A method for securing a transaction by means of an electronic card, wherein said electronic card is paired with at least one mobile terminal, wherein a banking organization in charge of managing transactions involving said card has previously recorded an identifier of said mobile terminal among the data relating to the owner of said card, and wherein said method includes the following steps:
- transmission, by said mobile terminal, of at least one first signal including a message containing said identifier;
receipt, by at least one transaction device near said mobile terminal, of said first signal;
transmission, by said transaction device, of a second signal including at least said message to at least one remote banking organization;
assignment, by a control server of said banking organization, to a transaction involving said electronic card, of information representing proximity between said electronic card and said mobile terminal, according to said second signal received by said banking organization.
3 Assignments
0 Petitions
Accused Products
Abstract
A method for securing a transaction by an electronic card paired with at least one mobile terminal, wherein a banking organization in charge of managing transactions involving the card has previously recorded an identifier of the mobile terminal among data relating to the owner of the card. The securing method includes: transmission, by the mobile terminal, of at least one first signal including a message containing the identifier; receipt, by at least one transaction device near the mobile terminal, of the first signal; transmission, by the transaction device, of a second signal including at least the message to at least one remote banking organization; assignment, by a control server of the banking organization, to a transaction involving the electronic card, by a control server of the banking organization, of information representing proximity between the electronic card and the mobile terminal, according to the second signal received by the banking organization.
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Citations
11 Claims
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1. A method for securing a transaction by means of an electronic card, wherein said electronic card is paired with at least one mobile terminal, wherein a banking organization in charge of managing transactions involving said card has previously recorded an identifier of said mobile terminal among the data relating to the owner of said card, and wherein said method includes the following steps:
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transmission, by said mobile terminal, of at least one first signal including a message containing said identifier; receipt, by at least one transaction device near said mobile terminal, of said first signal; transmission, by said transaction device, of a second signal including at least said message to at least one remote banking organization; assignment, by a control server of said banking organization, to a transaction involving said electronic card, of information representing proximity between said electronic card and said mobile terminal, according to said second signal received by said banking organization. - View Dependent Claims (2, 3, 4, 5)
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6. A transaction device capable of implementing a transaction by means of an electronic card, wherein said electronic card is paired with at least one mobile terminal, wherein a banking organization in charge of managing transactions involving said card has previously recorded an identifier of said mobile terminal among the data relating to the owner of said card, and wherein said transaction device includes:
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means for receiving, from said mobile terminal, at least one first signal including a message containing said identifier; means for transmitting a second signal including at least said message to at least one banking organization.
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7. A banking server in charge of managing a transaction involving an electronic card, wherein said electronic card is paired with at least one mobile terminal, and wherein said banking server includes:
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means for recording an identifier of said mobile terminal among the data relating to the owner of said card; means for receiving, from a transaction device, at least one signal including a message containing said identifier; means for determining, in a transaction involving said electronic card, information representing proximity between said electronic card and said mobile terminal.
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8. A mobile terminal, wherein the mobile terminal comprises means for transmission, to at least one transaction device, of at least one signal including a message containing an identifier.
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9. A computer program recorded on a computer-readable medium and capable of being run by a processor, wherein the program includes program code instructions for implementing a method for securing a transaction by means of an electronic card, wherein said electronic card is paired with at least one mobile terminal, wherein a banking organization in charge of managing transactions involving said card has previously recorded an identifier of said mobile terminal among the data relating to the owner of said card, when the program is executed on a transaction device, wherein the method comprises:
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transmission, by said mobile terminal, of at least one first signal including a message containing said identifier; receipt, by at least one transaction device near said mobile terminal, of said first signal; transmission, by said transaction device, of a second signal including at least said message to at least one remote banking organization; assignment, by a control server of said banking organization, to a transaction involving said electronic card, of information representing proximity between said electronic card and said mobile terminal, according to said second signal received by said banking organization.
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10. A computer program recorded on a computer-readable medium and capable of being run by a processor, wherein the program includes program code instructions for implementing a method for securing a transaction by means of an electronic card, wherein said electronic card is paired with at least one mobile terminal, wherein a banking organization in charge of managing transactions involving said card has previously recorded an identifier of said mobile terminal among the data relating to the owner of said card, when the program is executed on a mobile terminal, wherein the method comprises:
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transmission, by said mobile terminal, of at least one first signal including a message containing said identifier; receipt, by at least one transaction device near said mobile terminal, of said first signal; transmission, by said transaction device, of a second signal including at least said message to at least one remote banking organization; assignment, by a control server of said banking organization, to a transaction involving said electronic card, of information representing proximity between said electronic card and said mobile terminal, according to said second signal received by said banking organization.
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11. A computer program recorded on a computer-readable medium and capable of being run by a processor, wherein the program includes program code instructions for implementing a method for securing a transaction by means of an electronic card, wherein said electronic card is paired with at least one mobile terminal, wherein a banking organization in charge of managing transactions involving said card has previously recorded an identifier of said mobile terminal among the data relating to the owner of said card, when the program is executed on a bank server, wherein the method comprises:
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transmission, by said mobile terminal, of at least one first signal including a message containing said identifier; receipt, by at least one transaction device near said mobile terminal, of said first signal; transmission, by said transaction device, of a second signal including at least said message to at least one remote banking organization; assignment, by a control server of said banking organization, to a transaction involving said electronic card, of information representing proximity between said electronic card and said mobile terminal, according to said second signal received by said banking organization.
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Specification