	US 12,217,265 B2
	Method for determining an association between a bankcard and a communications terminal, device, system and corresponding program
Pierre Quentin, Enghien les Bains (FR); Marc Beunardeau, Paris (FR); Slim Jabberi, Tunis (TN); and Vincent Roux, Saint-Cyr-L'École (FR)
Assigned to BANKS AND ACQUIRERS INTERNATIONAL HOLDING, Paris (FR)
Appl. No. 16/961,473
Filed by BANKS AND ACQUIRERS INTERNATIONAL HOLDING, Paris (FR)
PCT Filed Jan. 11, 2019, PCT No. PCT/EP2019/050715 § 371(c)(1), (2) Date Jul. 10, 2020, PCT Pub. No. WO2019/138086, PCT Pub. Date Jul. 18, 2019.
Claims priority of application No. 1850278 (FR), filed on Jan. 12, 2018.
Prior Publication US 2020/0342461 A1, Oct. 29, 2020
Int. Cl. G06Q 20/40 (2012.01); G06Q 20/32 (2012.01)

CPC G06Q 20/4093 (2013.01) [G06Q 20/32 (2013.01); G06Q 20/40145 (2013.01); G06Q 20/4016 (2013.01)]

8 Claims

1. A method for determining an association between a bankcard identifier and at least one mobile communications terminal identifier, the method being implemented by an electronic device and comprising:

obtaining an identifier of a current bankcard used to make a purchase of an article or a service by using a payment terminal of a merchant, said obtaining being implemented at a time of execution of a payment transaction for the purchase made by using said current bankcard;

obtaining at least one piece of data representative of at least one communications terminal identifier from at least one communications device, comprising:

sending an inquiry request addressed to a plurality of communications devices located in the area covered by a broadcast type request from said payment terminal, by using a wireless communications interface corresponding to the WiFi and/or Bluetooth standards; and

receiving at least one response corresponding to the inquiry request, coming from at least one communications device corresponding to said request, said response comprising the at least one communications terminal identifier of said communications device;

computing a score of correspondence between said bankcard identifier and said at least one piece of data representative of said at least one communications terminal identifier based on a concomitance between the at least one received response and a time of obtaining the identifier of the current bankcard, said score of correspondence expressing a plausibility that said bankcard identifier and said at least one communications terminal identifier are associated with a user representing one and the same physical person;

storing the score of correspondence between said bankcard identifier and said at least one piece of data representative of said communications terminal identifier in at least one non-transitory computer-readable medium for future use in a payment transaction between the payment terminal and a communication terminal belonging to the at least one communication terminal located in the area covered by a broadcast type request from said payment terminal; and

transmitting a piece of information representing the score of correspondence to the merchant.