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WO2002071354A3 - System and method for facilitating an m-commerce transaction - Google Patents

System and method for facilitating an m-commerce transaction Download PDF

Info

Publication number
WO2002071354A3
WO2002071354A3 PCT/CA2002/000272 CA0200272W WO02071354A3 WO 2002071354 A3 WO2002071354 A3 WO 2002071354A3 CA 0200272 W CA0200272 W CA 0200272W WO 02071354 A3 WO02071354 A3 WO 02071354A3
Authority
WO
WIPO (PCT)
Prior art keywords
payment
transaction device
information
facilitating
user
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Ceased
Application number
PCT/CA2002/000272
Other languages
French (fr)
Other versions
WO2002071354A2 (en
Inventor
Alan L Swain
Kevin K M Woo
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
SOFT TRACKS ENTERPRISES Ltd
SOFT TRACKS ENTPR Ltd
Original Assignee
SOFT TRACKS ENTERPRISES Ltd
SOFT TRACKS ENTPR Ltd
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by SOFT TRACKS ENTERPRISES Ltd, SOFT TRACKS ENTPR Ltd filed Critical SOFT TRACKS ENTERPRISES Ltd
Publication of WO2002071354A2 publication Critical patent/WO2002071354A2/en
Anticipated expiration legal-status Critical
Publication of WO2002071354A3 publication Critical patent/WO2002071354A3/en
Ceased legal-status Critical Current

Links

Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/326—Payment applications installed on the mobile devices
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/26—Debit schemes, e.g. "pay now"
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/28—Pre-payment schemes, e.g. "pay before"
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/0873—Details of the card reader
    • G07F7/088—Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself
    • G07F7/0886—Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself the card reader being portable for interacting with a POS or ECR in realizing a payment transaction
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H04M17/20—Prepayment of wireline communication systems, wireless communication systems or telephone systems with provision for recharging the prepaid account or card, or for credit establishment
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
    • H04W4/24—Accounting or billing
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/20—Technology dependant metering
    • H04M2215/2026—Wireless network, e.g. GSM, PCS, TACS
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/32—Involving wireless systems

Landscapes

  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Accounting & Taxation (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Theoretical Computer Science (AREA)
  • Signal Processing (AREA)
  • Computer Security & Cryptography (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

A method for enabling authenticated payment by a user for top-up of prepaid services through a transaction device in real-time and which use is made of existing interfaces of both the transaction device service provider and of the financial institution effecting the top-up payment, the method comprising the steps of receiving at an application server first information indicative of the transaction device authentication; receiving at the application server second information for verification of the user; and using both the first and second information to authorise top-up payment of the prepaid service.
PCT/CA2002/000272 2001-03-02 2002-03-04 System and method for facilitating an m-commerce transaction Ceased WO2002071354A2 (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US27230001P 2001-03-02 2001-03-02
US60/272,300 2001-03-02

Publications (2)

Publication Number Publication Date
WO2002071354A2 WO2002071354A2 (en) 2002-09-12
WO2002071354A3 true WO2002071354A3 (en) 2003-10-09

Family

ID=23039224

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/CA2002/000272 Ceased WO2002071354A2 (en) 2001-03-02 2002-03-04 System and method for facilitating an m-commerce transaction

Country Status (1)

Country Link
WO (1) WO2002071354A2 (en)

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US9208488B2 (en) 2011-11-21 2015-12-08 Mozido, Inc. Using a mobile wallet infrastructure to support multiple mobile wallet providers

Families Citing this family (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP1555638A1 (en) * 2004-01-16 2005-07-20 SCHLUMBERGER Systèmes Electronic transaction system and a transaction terminal adapted for such a system
US20060229998A1 (en) 2005-03-31 2006-10-12 Mark Harrison Payment via financial service provider using network-based device
US7831520B2 (en) * 2005-06-28 2010-11-09 Ebay Inc. Mobile device communication system
US20070106564A1 (en) 2005-11-04 2007-05-10 Utiba Pte Ltd. Mobile phone as a point of sale (POS) device
US8538845B2 (en) 2011-06-03 2013-09-17 Mozido, Llc Monetary transaction system
US10438196B2 (en) 2011-11-21 2019-10-08 Mozido, Inc. Using a mobile wallet infrastructure to support multiple mobile wallet providers
US10902423B2 (en) 2014-09-29 2021-01-26 Mastercard International Incorporated Method and apparatus for streamlined digital wallet transactions

Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1998047112A1 (en) * 1997-04-15 1998-10-22 Stratex/Paradigm (Uk) Limited Method for electronically vending, distributing, and recharging of pre-paid value, a vending machine and an electronic system for use therein
WO2001009853A1 (en) * 1999-08-02 2001-02-08 Software.Com, Inc. System and method for prepaid account replenishment

Patent Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1998047112A1 (en) * 1997-04-15 1998-10-22 Stratex/Paradigm (Uk) Limited Method for electronically vending, distributing, and recharging of pre-paid value, a vending machine and an electronic system for use therein
WO2001009853A1 (en) * 1999-08-02 2001-02-08 Software.Com, Inc. System and method for prepaid account replenishment

Non-Patent Citations (1)

* Cited by examiner, † Cited by third party
Title
VAN THANH D: "Security issues in mobile ecommerce", PAGE(S) 412-425, XP010515528 *

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US9208488B2 (en) 2011-11-21 2015-12-08 Mozido, Inc. Using a mobile wallet infrastructure to support multiple mobile wallet providers

Also Published As

Publication number Publication date
WO2002071354A2 (en) 2002-09-12

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