# US 12,217,265 B2 · Method for determining an association between a bankcard and a communications terminal, device, system and corresponding program

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- Number: US 12,217,265 B2
- Document ID: US12217265B2
- Status: Granted
- Kind: B2
- Application number: 16/961,473
- Filed: 2019-01-11
- Published: 2020-10-29
- Granted: 2025-02-04
- Earliest claimed: 2018-01-12
- Assignees: Banks and Acquirers International Holding
- Applicants: Banks and Acquirers International Holding
- Inventors: Pierre Quentin; Marc Beunardeau; Slim Jabberi; Vincent Roux
- Web page: https://patentgrep.com/patent/US12217265B2

## CPC

- G06F 21/316: {by observing the pattern of computer usage, e.g. typical user behaviour}
- G06Q 20/4093: {Monitoring of device authentication}
- G06F 21/32: using biometric data, e.g. fingerprints, iris scans or voiceprints
- G06F 21/42: using separate channels for security data
- G06F 21/43: wireless channels
- G06F 21/6254: {by anonymising data, e.g. decorrelating personal data from the owner's identification}
- G06Q 20/32: using wireless devices
- G06Q 20/322: {Aspects of commerce using mobile devices [M-devices]}
- G06Q 20/3226: {Use of secure elements separate from M-devices}
- G06Q 20/3227: {using secure elements embedded in M-devices}
- G06Q 20/3552: {Downloading or loading of personalisation data}
- G06Q 20/3672: {initialising or reloading thereof}
- G06Q 20/40145: {Biometric identity checks}
- G06Q 20/4016: {involving fraud or risk level assessment in transaction processing}
- G06F: ELECTRIC DIGITAL DATA PROCESSING (computer systems based on specific computational models G06N)
- G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR

## Abstract

A method for determining an association between a bankcard identifier and at least one mobile communications terminal identifier. The method is implemented by an electronic device and includes: obtaining an identifier of a current bankcard, a bankcard used to make a purchase of an article or a service by using a payment terminal, the obtaining being implemented at the time of the execution of a payment transaction made by using the bankcard; at least one step of obtaining a piece of data representative of at least one communications terminal identifier; and computing a score of correspondence between bankcard identifier and the at least one piece of data representative of a communications terminal identifier.

## Claims

### Claim 1

A method for determining an association between a bankcard identifier and at least one mobile communications terminal identifier, the method being implemented by an electronic device and comprising:
obtaining 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;
obtaining 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;
computing 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 at least one communications terminal identifier are associated with a user representing one and the same physical person;
storing the score of correspondence between said bankcard identifier and said at least one piece of data representative of said communications terminal identifier in 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
transmitting a piece of information representing the score of correspondence to the merchant.

### Claim 2 (depends on 1)

The method according to claim 1, wherein said at least one response furthermore comprises a signal power value.

### Claim 3 (depends on 1)

The method according to claim 1, wherein obtaining at least one piece of data comprises anonymizing said at least one communications terminal identifier to form said piece of data.

### Claim 4 (depends on 1)

The method according to claim 1, wherein the computing the score of correspondence comprises updating a state of correspondence in which occurrences of data representative of communications terminal identifiers are counted and recorded.

### Claim 5 (depends on 1)

The method according to claim 1, wherein computing the score of correspondence comprises, for a piece of data representative of a communications terminal identifier called a current terminal identifier:
searching, within a data structure, for a record corresponding to the current terminal identifier, called a current record; and
in response to said current terminal identifier being found in the data structure, updating said record, comprising:
incrementing a total number (AC) of transactions during which said current identifier has been obtained;
adding or modifying a sub-record corresponding to a total number (AB) of transactions during which said current terminal identifier has been obtained for said current bankcard identifier; and
updating the score of correspondence of the current bankcard identifier with the current terminal identifier by computing the ratio AB/AC.

### Claim 6 (depends on 5)

The method according to claim 5, wherein the adding or modifying the sub-record corresponding to the total number (AB) of transactions furthermore comprises a power value of reception of a response to an inquiry request, the request being transmitted by using a wireless communications interface.

### Claim 7

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.

### Claim 8

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.