Method for determining an association between a bankcard and a communications terminal, device, system and corresponding program

An electronic device for determining an association between a bankcard identifier and at least one mobile communications terminal identifier, wherein the electronic device comprises:

• at least one processor;
• and
• at least one non-transitory computer-readable medium comprising instructions stored thereon which when executed by the at least one processor configure the electronic device to:
• obtain an identifier of a current bankcard used to purchase an item or a service by using a payment terminal of a merchant, said obtaining being implemented at a time of execution of a payment transaction for the purchase made by using the said current bankcard;
• obtain at least one piece of data representative of at least one communications terminal identifier from at least one communications device;
• comprising:
• sending an inquiry request addressed to a plurality of communications devices located in the area covered by a broadcast type request from said payment terminal, by using a wireless communications interface corresponding to the WiFi and/or Bluetooth standards;
• and
• receiving at least one response corresponding to the inquiry request, coming from at least one communications device corresponding to said request, said response comprising the at least one communications terminal identifier of said communications device;
• compute a score of correspondence between said bankcard identifier and said at least one piece of data representative of said at least one communications terminal identifier based on a concomitance between the at least one received response and a time of obtaining the identifier of the current bankcard, said score of correspondence expressing a plausibility that said bankcard identifier and said communications terminal identifier are associated with a user representing one and the same physical person;
• store the score of correspondence in the at least one non-transitory computer-readable medium for future use in a payment transaction between the payment terminal and a communication terminal belonging to the at least one communication terminal located in the area covered by a broadcast type request from said payment terminal;
• and
• transmit a piece of information representing the score of correspondence to the merchant.

A non-transitory computer readable medium comprising a computer program product stored thereon which comprises program code instructions for executing a method for determining an association between a bankcard identifier and at least one mobile communications terminal identifier, when the instructions are executed by a processor of an electronic device, wherein the instructions configure the electronic device to:

• obtain an identifier of a current bankcard used to make a purchase of an article or a service by using a payment terminal of a merchant, said obtaining being implemented at a time of execution of a payment transaction for the purchase made by using said current bankcard;
• obtain at least one piece of data representative of at least one communications terminal identifier from at least one communications device, comprising:
• sending an inquiry request addressed to a plurality of communications devices located in the area covered by a broadcast type request from said payment terminal, by using a wireless communications interface corresponding to the WiFi and/or Bluetooth standards;
• and
• receiving at least one response corresponding to the inquiry request, coming from at least one communications device corresponding to said request, said response comprising the at least one communications terminal identifier of said communications device;
• compute a score of correspondence between said bankcard identifier and said at least one piece of data representative of said at least one communications terminal identifier based on a concomitance between the at least one received response and a time of obtaining the identifier of the current bankcard, said score of correspondence expressing a plausibility that said bankcard identifier and said communications terminal identifier are associated with a user representing one and the same physical person;
• store the score of correspondence for future use in a payment transaction between the payment terminal and a communication terminal belonging to the at least one communication terminal located in the area covered by a broadcast type request from said payment terminal;
• and
• transmit a piece of information representing the score of correspondence to the merchant.