WO2010046911A3 - A method and system of financial instrument authentication in a communication network - Google Patents

A method and system of financial instrument authentication in a communication network Download PDF

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Publication number
WO2010046911A3
WO2010046911A3 PCT/IN2009/000535 IN2009000535W WO2010046911A3 WO 2010046911 A3 WO2010046911 A3 WO 2010046911A3 IN 2009000535 W IN2009000535 W IN 2009000535W WO 2010046911 A3 WO2010046911 A3 WO 2010046911A3
Authority
WO
WIPO (PCT)
Prior art keywords
financial instrument
transaction
user
transaction information
details
Prior art date
Application number
PCT/IN2009/000535
Other languages
French (fr)
Other versions
WO2010046911A2 (en
Inventor
Sanjay Swamy
Bharavi Gade
Original Assignee
Mchek India Payment System Pvt. Ltd.
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Mchek India Payment System Pvt. Ltd. filed Critical Mchek India Payment System Pvt. Ltd.
Publication of WO2010046911A2 publication Critical patent/WO2010046911A2/en
Publication of WO2010046911A3 publication Critical patent/WO2010046911A3/en

Links

Classifications

    • A—HUMAN NECESSITIES
    • A61—MEDICAL OR VETERINARY SCIENCE; HYGIENE
    • A61K—PREPARATIONS FOR MEDICAL, DENTAL OR TOILETRY PURPOSES
    • A61K36/00—Medicinal preparations of undetermined constitution containing material from algae, lichens, fungi or plants, or derivatives thereof, e.g. traditional herbal medicines
    • A61K36/18—Magnoliophyta (angiosperms)
    • A61K36/185—Magnoliopsida (dicotyledons)
    • A61K36/53—Lamiaceae or Labiatae (Mint family), e.g. thyme, rosemary or lavender
    • A—HUMAN NECESSITIES
    • A61—MEDICAL OR VETERINARY SCIENCE; HYGIENE
    • A61K—PREPARATIONS FOR MEDICAL, DENTAL OR TOILETRY PURPOSES
    • A61K36/00—Medicinal preparations of undetermined constitution containing material from algae, lichens, fungi or plants, or derivatives thereof, e.g. traditional herbal medicines
    • A61K36/18—Magnoliophyta (angiosperms)
    • A61K36/185—Magnoliopsida (dicotyledons)
    • A61K36/55—Linaceae (Flax family), e.g. Linum
    • A—HUMAN NECESSITIES
    • A61—MEDICAL OR VETERINARY SCIENCE; HYGIENE
    • A61K—PREPARATIONS FOR MEDICAL, DENTAL OR TOILETRY PURPOSES
    • A61K36/00—Medicinal preparations of undetermined constitution containing material from algae, lichens, fungi or plants, or derivatives thereof, e.g. traditional herbal medicines
    • A61K36/18—Magnoliophyta (angiosperms)
    • A61K36/185—Magnoliopsida (dicotyledons)
    • A61K36/80—Scrophulariaceae (Figwort family)
    • A—HUMAN NECESSITIES
    • A61—MEDICAL OR VETERINARY SCIENCE; HYGIENE
    • A61K—PREPARATIONS FOR MEDICAL, DENTAL OR TOILETRY PURPOSES
    • A61K36/00—Medicinal preparations of undetermined constitution containing material from algae, lichens, fungi or plants, or derivatives thereof, e.g. traditional herbal medicines
    • A61K36/18—Magnoliophyta (angiosperms)
    • A61K36/88—Liliopsida (monocotyledons)
    • A61K36/906—Zingiberaceae (Ginger family)
    • A61K36/9068—Zingiber, e.g. garden ginger
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3221—Access to banking information through M-devices

Abstract

A method and system of linking a financial instrument to a mobile communication identifier at an authentication system id described comprising receiving at the authentication system from a user of the financial instrument details of the financial instrument along with details of the mobile communication identifier to which the financial instrument is to be linked; carrying out a financial transaction on the financial instrument for an amount and on receiving transaction authorization storing details of the authorized transaction in a database of the authentication system; receiving transaction information from the user of the financial instrument, the transaction information obtained by the user from the provider of the financial instrument; comparing the transaction information received from the user with the transaction details stored in the database; and linking the financial instrument to the mobile communication identifier on the transaction information received from the user matching the transaction information stored in the database.
PCT/IN2009/000535 2008-09-29 2009-09-29 A method and system of financial instrument authentication in a communication network WO2010046911A2 (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
IN2079MU2008 2008-09-29
IN2079/MUM/2008 2008-09-29

Publications (2)

Publication Number Publication Date
WO2010046911A2 WO2010046911A2 (en) 2010-04-29
WO2010046911A3 true WO2010046911A3 (en) 2010-06-24

Family

ID=41259280

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/IN2009/000535 WO2010046911A2 (en) 2008-09-29 2009-09-29 A method and system of financial instrument authentication in a communication network

Country Status (2)

Country Link
AU (1) AU2009100984B4 (en)
WO (1) WO2010046911A2 (en)

Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20030004827A1 (en) * 1998-04-27 2003-01-02 Wang Ynjiun P. Payment system
US20070143230A1 (en) * 2003-06-30 2007-06-21 Selvanathan Narainsamy Transaction verification system

Family Cites Families (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP1802155A1 (en) * 2005-12-21 2007-06-27 Cronto Limited System and method for dynamic multifactor authentication
US8934865B2 (en) * 2006-02-02 2015-01-13 Alcatel Lucent Authentication and verification services for third party vendors using mobile devices
NZ547322A (en) * 2006-05-18 2008-03-28 Fronde Anywhere Ltd Authentication method for wireless transactions
EP2080158A4 (en) * 2006-09-29 2011-06-22 Scammell Dan A system and method for verifying a user's identity in electronic transactions
SE531960C2 (en) * 2007-01-26 2009-09-15 Smartrefill I Helsingborg Ab Method of securely executing a payment transaction

Patent Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20030004827A1 (en) * 1998-04-27 2003-01-02 Wang Ynjiun P. Payment system
US20070143230A1 (en) * 2003-06-30 2007-06-21 Selvanathan Narainsamy Transaction verification system

Also Published As

Publication number Publication date
AU2009100984A4 (en) 2009-11-05
WO2010046911A2 (en) 2010-04-29
AU2009100984B4 (en) 2009-12-03

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