Method and system to prevent fraudulent payment in...

Details Method and system to prevent fraudulent payment in... Method and system to prevent fraudulent payment in...

2006-09-12

2006-09-12

Stcyr, Daniel (Department: 2876)

Registers

Systems controlled by data bearing records

Credit or identification card systems

C235S382000

Reexamination Certificate

active

07104444

ABSTRACT:
The present invention enables secure, valid card payments in credit transactions to be performed, preventing fraudulent card use even in cases of loss or theft of a card or of information theft. During a transaction authorization process using a transaction terminal disposed in a credit transaction member store and connected with a host computer, user validation or credit administration is carried out by using a portable communication terminal to input to the host computer identity information which has been previously registered in the portable communication terminal and/or location information for the portable communication terminal.

REFERENCES:
patent: 5778322 (1998-07-01), Rydbeck
patent: 6119935 (2000-09-01), Jelen et al.
patent: 6595417 (2003-07-01), O'Hagan et al.
patent: 6612488 (2003-09-01), Suzuki
patent: 6640214 (2003-10-01), Nambudiri et al.
patent: 2004/0015406 (2004-01-01), Kamada et al.

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