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Method and system of secure payment

A security code and management system technology, applied in the field of electronic transactions, can solve problems such as theft or robbery, unusability, easy loss or damage of cards and cash

Pending Publication Date: 2019-07-30
GRE LAB S R L UNIPERSONALE
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] The fact of having to carry cards, cash or phone equipment puts the buyer at serious risk of theft or mugging by someone looking to steal the money
[0005] Also, disadvantageously, cards and cash can be easily lost or damaged, and rendered unusable due to the inherent perishability of the materials from which these supports are made

Method used

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  • Method and system of secure payment
  • Method and system of secure payment
  • Method and system of secure payment

Examples

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Embodiment Construction

[0025] refer to figure 1 and figure 2 , shows a preferred embodiment of the electronic transaction management system according to the present invention, and the reference number 1 is used as a whole.

[0026] System 1 relates to the field of application of electronic payment systems between buyers and sellers (or merchants) with accounts. In the present discussion, the term "account" refers to a deposit similar to a bank account, which allows the transaction of electronic money.

[0027] The system 1 firstly comprises a central unit or server 2 and one or more terminals or payment devices 3 connected to and remote from said central unit 2 . The payment device 3 can be provided in commercial activities to allow users to securely pay for items in a dematerialized manner without the support of physical currency.

[0028] In order to use the system of the present invention, a user must register. User registration can be performed using electronic devices such as PCs, tablets ...

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PUM

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Abstract

A management method and system of an electronic transaction between an account of a purchaser subject and an account of a seller subject. The method and system allow buyers to not employ physical supports of money such as banknotes / coins, credit cards or phone devices and of carrying out payments in a dematerialized fashion. Security of payments is ensured by user's authentication, based on the recognition of at least a user's biometric parameter previously recorded in the system, by a PIN code, by the picture of the user's face and by an algorithm that identifies buying habits. An account isassociated to the registered user, from which the amount to be given for the payment is debited.

Description

technical field [0001] The present invention relates to methods and systems for managing electronic transactions between a buyer's account and a seller's account. [0002] The proposed method and system allow payment in a dematerialized mode without the use of physical monetary backing like banknotes / coins, credit cards or telephones / personal electronic devices and in a completely secure manner. The security protocol is based on the identification of at least one biometric parameter of a user previously registered with the system, based on a PIN code, based on a photo of the user's face, and based on the identification of the identified user and the registered account of the user (from which the amount to be paid is extracted for payment ) association. Background technique [0003] Currently, people who want to shop in stores must have cash or a credit / debit card to pay. In other words, buyers must be backed by physical currency. [0004] The fact of having to carry cards...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/34G06Q20/40
CPCG06Q20/341G06Q20/40145G06Q20/351G06Q20/4012
Inventor 玛拉·温德拉敏
Owner GRE LAB S R L UNIPERSONALE
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