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

• US 7,017,804 B2
• Filed: 08/09/2001
• Issued: 03/28/2006
• Est. Priority Date: 08/28/2000
• Status: Expired due to Term

• Current Assignee: Gemalto SA (Thales SA)
• Original Assignee: Axalto SA (Thales SA)
• Inventors: Guion, Christian
• Primary Examiner(s): Kim, Ahshik
• Application Number:
  US10/362,980
• Publication Number:
  US 20030194989A1
• Time in Patent Office: 1,692 Days
• Field of Search: 235/380, 235/381, 235/383, 235/375, 235/379, 705/18, 705/26
• US Class Current: 235/380
• 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 characterized 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. A method for securely providing identification data of a banking card to a user, comprising:

directly creating said identification data of the banking card by said user from appropriate generating means; and

communicating the generated identification data through a telecommunication means to a computer server of a financial institution managing said banking card,

wherein said appropriate generating means comprises appropriate software fitted on a SIM card configured to use with a cellular radio telephone of GSM type, wherein said identification data is communicated to the computer server via a cellular radio telephone network as an SMS message.

2. The method according to claim 1, wherein said identification data consists of a number and a validity date of said banking card.

3. The method according to claim 1, wherein said telephone automatically communicates said identification data to said computer server.

4. The method according to claim 1, wherein said banking card is only valid for a limited number of deals and for a limited time.

5. The method according to claim 1, wherein said banking card is only valid for a single deal.