Back to results
US 2003/0194989 A1Published application
Method for providing identification data of a banking card to a user
AssigneeAxalto SA
InventorChristian Guion
Life of this patent
Estimating the term…
Loading patent…
Loading patent…
AssigneeAxalto SA
InventorChristian Guion
Estimating the term…
The invention concerns a method for securely providing identification data of a banking card to a user. The invention is characterised 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.
1/ Method for securely providing identification data of a banking card to a user, characterised 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;
2/ Method according to claim 1, characterised in that the said identification data consist in the number and the validity date of the said payment card.
3/ Method according to any one of the claims 1 to 2, characterised in that the said identification data of the said payment card are directly created via a telephone (6) especially adapted for this.
4/ Method according to claim 3, characterised in that the said data are worked out by an appropriate software fitted on the SIM printed circuit card in a cellular radio telephone of the GSM type (6)
5/ Method according to any of the claims 3 to 4, characterised in that the said telephone (6) automatically communicates the said identification data to the said server (4).
6/ Method according to claims 4 and 5, characterised in that the said data are communicated to the server (4) via the said cellular telephone network (5) as an SMS message.
7/ Method according to any of the claims 1 to 2, characterised in that the said identification data for the said payment card are directly created using a Pc (1).
8/ Method according to any of the previous claims, characterised in that the said PC (1) automatically communicates the said identification data to the said server (4) using the Internet network (2).
9/ Method according to any of the previous claims, characterised in that the said payment card is only valid for a limited number of deals and for a limited time.
10/ Method according to any of the previous claims, characterised in that the said payment card is only valid for a single deal.
Drawings are temporarily unavailable. Open the PDF at USPTO
From the US filing history. Foreign family members aren’t listed.
Backward citations are indexed for grants only.
Payment architectures, schemes or protocols: payment circuits
Using cards, e.g. integrated circuit [IC] cards or magnetic cards: cards defining paid or billed services or quantities
Payment protocols; Details thereof: using an alias or single-use codes
By keys or other credit registering devices: by means, e.g. cards, providing billing information at the time of purchase, e.g. identification of…
Term end not estimated
The invention concerns a method for securely providing identification data of a banking card to a user.
This invention concerns especially the supply of temporary card numbers also called payment cards with limited use allocated by banks to their clients in order to secure their deals on Internet.
The expression “payment card” is used to designate any bank card with a delayed or immediate debit, any credit card, etc., issued by a bank or a specialised establishment.
The aims, features and advantages of this invention will be better understood with the description given hereafter of several execution modes for this invention, shown as non-limiting examples, referring to the attached drawing, where:
FIG. 1 is a schematic view of the system required for implementing the method according to this invention.
By referring to FIG. 1, the only items shown are those useful for understanding the invention.
The example chosen to illustrate the method and its implementing device according to the invention concerns the use of a temporary payment card to execute an electronic deal on the Internet network. Of course, this invention is not limited to this single example and more generally concerns the safe communication of identification data for a payment card, such as its number, its validity date, or a PIN code, such communication being between two distant sites and particularly between the domicile of a user and his financial institution.
According to FIG. 1, the system required for implementing the invention is as follows. A buyer is sitting in front of a computer, for instance his PC (ref. 1) which is fitted with a modem enabling its connection with the Internet network (2). The computer (1) may be connected via the Internet network (2) to the server (7) of a sales site offering the sale of goods or service such as a service for the sale of books. The computer (1) can also be connected via the Internet network (2) with the managing server (4) of his financial institution.