Title:
METHOD FOR SECURELY CARRYING OUT EXPENSE TRANSACTIONS BY USING PAYMENT CARDS AND A SYSTEM FOR CARRYING OUT SAID METHOD
Document Type and Number:
WIPO Patent Application WO/2008/121088
Kind Code:
A1
Abstract:
The invention relates to methods for additionally securing payment cards and
can be used in systems for carrying out expense transactions by means of said payment
cards. The invention consists in switching payment cards from active mode to
passive mode (Fig. 3). Prior to carrying out expense transactions by means of
a payment card, the owner thereof switches it into said active mode (Fig. 4). The
switching of the payment card to active mode is carried out by identifying a message
which contains data about a command, a communications device serial number and
an electronic signature and is transmitted to a control station by the communications
device (a mobile telephone, a smartphone, etc.) of the payment card owner. Once
the expense transactions are complete, the payment card is switched to passive
mode either by the owner thereof (Fig. 6) or automatically. Said invention makes
it possible to increase the additional protection of a payment card, thereby
substantially reducing the possibility of carrying out expense transactions
by external persons using the payment card without the authorisation of the owner
thereof.
Inventors:
STROITELEV VITALIJ PETROVICH (UA)
STROITELEV ANDREJ VITALYEVICH (UA)
STROITELEV STANISLAV VITALYEVICH (UA)
STROITELEV ANDREJ VITALYEVICH (UA)
STROITELEV STANISLAV VITALYEVICH (UA)
Application Number:
PCT/UA2008/000008
Publication Date:
October 09, 2008
Filing Date:
March 03, 2008
Export Citation:
Assignee:
STROITELEV VITALIJ PETROVICH (UA)
STROITELEV ANDREJ VITALYEVICH (UA)
STROITELEV STANISLAV VITALYEVICH (UA)
STROITELEV ANDREJ VITALYEVICH (UA)
STROITELEV STANISLAV VITALYEVICH (UA)
International Classes:
G06Q20/34; G06Q20/00; G07F7/10
Domestic Patent References:
WO2001035352A1 | 2001-05-17 |
Foreign References:
US20020139844A1 | 2002-10-03 | |||
US20010047330A1 | 2001-11-29 |
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