TRANSACTION METHOD BETWEEN TWO SERVERS INCLUDING A PRIOR VALIDATING STEP USING TWO MOBILE TELEPHONES

• US 20130303124A1
• Filed: 06/13/2013
• Published: 11/14/2013
• Est. Priority Date: 03/02/2006
• Status: Abandoned Application

• Current Assignee: Tagattitude
• Original Assignee: Tagattitude
• Inventors: Eonnet, Yves, Eonnet, Loc
• Application Number:
  US13/916,942
• Publication Number:
  US 20130303124A1
• Time in Patent Office: Days
• US Class Current: 455/411
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: H04L 63/0492 by using a location-limited connection, e.g. near-field communication or limited proximity of entities
• CPC Class Codes: H04L 63/08 for authentication of entities cryptographic mechanisms or cryptographic arrangements for entity authentication H04L9/32
• CPC Class Codes: H04L 63/0853 using an additional device, e.g. smartcard, SIM or a different communication terminal cryptographic mechanisms or cryptographic arrangements for entity authentication involving additional secure or trusted devices H04L9/3234
• CPC Class Codes: H04L 63/0876 based on the identity of the terminal or configuration, e.g. MAC address, hardware or software configuration or device fingerprint
• CPC Class Codes: H04L 63/18 using different networks or channels, e.g. using out of band channels cryptographic mechanisms or cryptographic arrangements for key distribution involving distinctive intermediate devices or communication paths H04L9/0827; cryptographic mechanisms or cryptographic arrangements for authentication using a plurality of channels H04L9/3215
• CPC Class Codes: H04L 69/14 Multichannel or multilink protocols
• CPC Class Codes: H04M 2207/18 wireless networks
• CPC Class Codes: H04M 3/16 with lock-out or secrecy provision in party-line systems
• CPC Class Codes: H04M 3/54 Arrangements for diverting calls for one subscriber to another predetermined subscriber based on the calling party profile H04M3/42059; based on location H04M3/42348; based on presence H04M3/42365; to voice mail H04M3/53308
• CPC Class Codes: H04W 12/06 Authentication
• CPC Class Codes: H04W 12/65 Environment-dependent, e.g. using captured environmental data
• CPC Class Codes: H04W 76/12 Setup of transport tunnels

Abstract

Before effecting a transaction (E100) between two servers, this method sets up (E10) a communications channel in a wireless telecommunications network between each server and a mobile terminal. One of the servers sends (E30) a signal on its wireless communications channel. That signal is received (E40) by the mobile terminal in wireless communication with the server, emitted (E50) by the loudspeaker of that mobile terminal, picked up (E60) by the microphone of the other mobile terminal, and sent (E60, E70) by wireless communication to the other server. If the received signal is validated (E90) by one or both of the two servers, the transaction is effected (E100).

Claims

1. A method of preparing a transaction between a first server and a second server that are communicatively coupled together via a first telecommunications network, the method comprising:

setting up a first wireless communications channel between said first server and a first mobile terminal;

setting up a second wireless communications channel between said second server and a second mobile terminal;

setting up a local wireless communications channel between said first mobile terminal and said second mobile terminal;

said first server sending an initial signal on said first wireless communications channel to said first mobile terminal;

said first mobile terminal receiving said initial signal on said first wireless communications channel and sending said initial signal to said second mobile terminal on said local wireless communications channel;

said second mobile terminal receiving said initial signal as a received signal from said first mobile terminal on said local wireless communications channel and sending said received signal on said second wireless communications channel, said received signal being received by said second server;

said first or said second server verifying said received signal by comparing said initial signal with said received signal; and

as a function of a result of said verification, permitting said transaction.

2. A method according to claim 1, characterized in that said mobile terminals are placed so that said initial signal sent by said first mobile terminal to said second mobile terminal is reproduced by a loudspeaker of said first mobile terminal and received by a microphone of said second mobile terminal.

3. A use of the method according to claim 1, to effect a monetary transaction between an account of a first user and an account of a second user, said accounts being managed by said first and second servers, respectively, said transaction being permitted when each of said users has previously set up a respective wireless communications channel between a respective mobile terminal and one of said servers, which mobile terminals are positioned relative to each other so that said initial signal sent by one of said servers can be routed through said mobile terminals to another of said servers and verified by at least one of said servers.

4. A use of the method according to claim 1, for rerouting a telephone connection set up between a first telephone server and a first mobile terminal in a wireless communications network to a telephone connection set up between a second telephone server and a second mobile terminal in said wireless communications network, said rerouting being permitted when said terminals are positioned relative to each other so that said initial signal sent by one of said servers can be routed through said mobile terminals to another of said servers and verified by at least one of said servers.

8. A use of the method according to claim 2, to effect a monetary transaction between an account of a first user and an account of a second user, said accounts being managed by said first and second servers, respectively, said transaction being permitted when each of said users has previously set up a respective wireless communications channel between a respective mobile terminal and one of said servers, which mobile terminals are positioned relative to each other so that said initial signal sent by one of said servers can be routed through said mobile terminals to another of said servers and verified by at least one of said servers.

9. A use of the method according to claim 2, for rerouting a telephone connection set up between a first telephone server and a first mobile terminal in a wireless communications network to a telephone connection set up between a second telephone server and a second mobile terminal in said wireless communications network, said rerouting being permitted when said terminals are positioned relative to each other so that said initial signal sent by one of said servers can be routed through said mobile terminals to another of said servers and verified by at least one of said servers.

10. The method according to claim 1, wherein said first server and said second server are one and the same.

11. The method according to claim 2, wherein said first server and said second server are one and the same.

13. The method according to claim 1, further comprising setting up an acoustic communications channel between said first mobile terminal and said second mobile terminal.

5. A server connected to a first telecommunications network and including:

means for setting up a wireless communications channel that includes said server and at least two mobile terminals, wherein said wireless communications channel includes a local wireless communications channel between said at least two mobile terminals;

means for sending a signal from said server via said wireless communications channel to said server;

means for verifying said signal received by said server; and

means for authorizing a transaction upon verification of said signal by said server.

14. The server according to claim 5, wherein said wireless communications channel comprises an acoustic communications channel.

6. A method that can be used by a first server to authorize a transaction with a second server via a first telecommunications network and comprising:

setting up a wireless communications channel between said first server and said second server, said wireless communications channel including a mobile terminal;

sending a signal on said wireless communications channel to said second server;

said first server verifying receipt of said signal at said second server via said first telecommunications network; and

authorizing said transaction upon said first server verifying that said signal has been received by said second server.

7. A non-transitory computer-readable storage medium on which is stored a computer program comprising instructions for executing the authorization method according to claim 6.

12. The method according to claim 6, wherein said first server and said second server are one and the same.

15. The method according to claim 6, wherein said wireless communications channel comprises an acoustic communications channel.