Method for carrying out a transaction, corresponding terminal, server and computer program
AssigneeBanks and Acquirers International Holding
InventorPierre Quentin
Life of this patent
Estimating the term…
Abstract
A method for processing a transaction of a communications terminal, requesting a server, through a communications network, for implementing a transaction involving the use of payment data. The method is implemented by the communications terminal and includes: obtaining a user identification certificate, the user identification certificate being formed out of an identity document in the possession of a user making the transaction; inserting the user identification certificate into a transaction data structure; transmitting the transaction data structure to the server; and, when the user identification certificate received by the server is valid, receiving a piece of data representing the validation of the transaction by the server.
Claims11
A method implemented within a communications terminal and comprising:
- processing a transaction of the communications terminal, requesting a server, through a communications network, for implementing the transaction involving use of payment data, wherein the processing comprises:
- obtaining a user identification certificate, said user identification certificate being formed out of an identity document in the possession of a user making said transaction;
- inserting said user identification certificate into a transaction data structure;
- transmitting the transaction data structure to said server;
- and when the user identification certificate received by said server is valid, receiving a piece of data representing validation of the transaction by said server.
A server for processing a transaction, taking the form of an electronic device connectable to a communications network, said server comprising:
- a processor;
- and
- a non-transitory computer-reqadable medium comprising instructions stored thereon, which when executed by the processor configure the server to perform acts comprising:
- receiving from the communications terminal a transactional request, comprising at least one piece of data representing a payment to be made through said communications terminal and a user identification certificate;
- obtaining a piece of user identification certificate verification data from the identity document used for the transaction;
- determining a current user identification certificate associated with the data received within the transactional request;
- comparing the user identification certificates with one another;
- and
- providing a third-party entity with a transactional authorization when said comparison is positive.
A communications terminal comprising:
- a processor;
- and
- a non-transitory computer-reqadable medium comprising instructions stored thereon, which when executed by the processor configure the communications terminal to perform acts comprising:
- processing transactions and requesting a server, through a communications network, to execute a transaction involving use of payment data, comprising:
- obtaining a user identification certificate, said user identification certificate being formed out of an identity document in the possession of a user making said transaction;
- inserting said user identification certificate into a transaction data structure;
- transmitting the transaction data structure to said server;
- and receiving a piece of data representing validation of the transaction by said server.
(canceled)
Dependencies are inferred from the claim text.