Bank card and response process to a transaction request

Abstract

The invention relates to a bank card ( 100 ) comprising a presentation surface of a pictogram ( 120 ) coding at least one item of information for executing a transaction.

1 . A bank card comprising a presentation surface of a pictogram coding at least one item of information for executing a transaction. 
     
     
         2 . The bank card according to the preceding claim, in which the at least one item of information is a number of the card, a validity date of the card, a name or first name of an owner of the card, a category identifier of a transmitter of the card, an identifier of a transmitter of the card, a security code of the card, or a one-time password. 
     
     
         3 . The bank card according to  claim 1 , in which the pictogram is a barcode, for example a 2D code, for example a QR code. 
     
     
         4 . The bank card according to the preceding claim, in which the pictogram is a dynamic pictogram. 
     
     
         5 . The bank card according to  claim 1 , in which the card comprises a controller for generating a pictogram valid for a single transaction. 
     
     
         6 . The bank card according to  claim 1 , in which the surface is an LCD screen, or a layer synthetic printed or etched material, included in the card body or attached for example by adhesion. 
     
     
         7 . The bank card according to  claim 1 , in which the pictogram codes an address of a transaction server. 
     
     
         8 . A response process to a transaction request comprising steps consisting of receiving a transaction request comprising a pictogram coding at least one item of information for executing a transaction and complementary information, extracting from the pictogram said information for executing a transaction, and as a function of said information for executing a transaction and of the complementary information, as well as predefined authorisation rules, sending authorisation or refusal in response to the transaction request. 
     
     
         9 . The response process according to the preceding claim, in which the process is at least partially executed by a server connected to an extended telecommunications network. 
     
     
         10 . The response process according to  claim 8 , in which the process is at least partially executed by a payment terminal having a keypad and a camera. 
     
     
         11 . The response process according to  claim 8 , in which the process is at least partially executed by a mobile electronic unit having a keypad and a camera. 
     
     
         12 . The response process according to  claim 8 , in which the process also comprises display on a screen of an input box for an alphanumeric chain constituting the complementary information. 
     
     
         13 . The response process according to  claim 8 , in which the predefined authorisation rules comprise a rule according to which authorisation is given as a function of a result of a comparison test applied to the complementary information. 
     
     
         14 . The response process according to  claim 8 , in which the process comprises the sending of a message addressed to a message service of an owner of payment means comprising a one-time identification element, then receipt of an identification element provided by a requester of the transaction request and comparison of the one-off identification element and of the identification element provided. 
     
     
         15 . The response process according to  claim 8 , in which the process comprises the sending of at least one characteristic of the transaction addressed to a message service of an owner of payment means, then receipt of an order form signed by a requester of the transaction request and the authentication of a signature of the order form. 
     
     
         16 . The response process according to  claim 8 , in which said information is a one-time password.