METHOD FOR SECURING TRANSACTIONS, TRANSACTION DEVICE, BANK SERVER, MOBILE TERMINAL, AND CORRESPONDING COMPUTER PROGRAMS

• US 20100198725A1
• Filed: 12/21/2009
• Published: 08/05/2010
• Est. Priority Date: 12/22/2008
• Status: Active Grant

• Current Assignee: Banks And Acquirers International Holding
• Original Assignee: Compagnie Industrielle et Financiere D'Ingenierie "Ingenico"
• Inventors: Naccache, David
• Granted Patent: US 9,697,511 B2
• Time in Patent Office: Days
• US Class Current: 705/41
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/223 based on the use of peer-to-peer networks
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3224 Transactions dependent on location of M-devices
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/40 Authorisation, 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

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.

Claims

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.

2. The for securing a transaction according to claim 1, wherein the method includes the following steps:

determination of a distance between a position of said mobile terminal and said transaction device, by said information representing the proximity between said electronic card and said mobile terminal;

rejection of said transaction and/or emission of an alert if said distance is greater than a predetermined threshold.

3. The method for securing a transaction according to claim 2, wherein said predetermined threshold is dependent on the time that has passed since said information representing the proximity was determined.

4. The method for securing a transaction according to claim 1, wherein said message includes at least one bank reference information and at least one addressing information designating said banking organization.

5. The method for securing a transaction according to claim 1, wherein said first signal is transmitted according to a communication technique belonging to the group including:

“

Bluetooth”

technology;

“

Wi-Fi”

technology;

“

RFID”

technology;

“

NFC”

(“

Near Field Communication”

) technology;

infrared technology.

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:

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.

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:

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.

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.

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:

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.

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:

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.

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:

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.