G - Physics – 06 – Q
Patent
G - Physics
06
Q
G06Q 20/00 (2006.01)
Patent
CA 2561479
Method and system for secure handling of electronic financial services with the aid of an electronic financial services exchanger Defined is a method of exchanging, handling and controlling electronic financial services, particularly mobile electronic financial services from various financial service providers to authorized users with a wide variety of communication devices (both stationary and mobile). The system provides for the exchange of electronic financial services all services of the connected transaction handling systems 20, 21 from financial service providers 43, 44 in the form of a standardized platform by means of corresponding interfaces 13, 14 irrespective of the way in which the individual transaction handling systems 20, 21 are linked to the electronic financial services exchanger 10. The principle of the electronic financial services exchanger 10 now permits flexible linking of differing communication devices 30, 31 as well as various transaction handling systems 20, 21 from a variety of different financial service providers 43, 44. Confidential data requiring a secure exchange is now no longer done directly from communication device 30 to communication device 31 but - where possible at all - via standardized maximum security communication links and the electronic financial services exchanger 10 in the sense of a platform. The transaction partners, users 40 and 41 are established via a token loop (e.g. TAN loop). For each financial transaction the electronic financial services exchanger 10 generates a token (e.g. TAN) 42 which is communicated to the user 41 in the role of the transaction initiator, received by the other user 40 by an intentional transaction and returned as confirmation to the electronic financial services exchanger 10.
Spiegel Harald
von Heesen Claudia
Sim & Mcburney
Spiegel Harald
von Heesen Claudia
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