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WO2002025603A1 - Procede de remboursement/transfert d'un produit, d'un service, d'un paiement et/ou analogue - Google Patents

Procede de remboursement/transfert d'un produit, d'un service, d'un paiement et/ou analogue Download PDF

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Publication number
WO2002025603A1
WO2002025603A1 PCT/FI2001/000789 FI0100789W WO0225603A1 WO 2002025603 A1 WO2002025603 A1 WO 2002025603A1 FI 0100789 W FI0100789 W FI 0100789W WO 0225603 A1 WO0225603 A1 WO 0225603A1
Authority
WO
WIPO (PCT)
Prior art keywords
service
text message
code
product
redemption
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/FI2001/000789
Other languages
English (en)
Inventor
Jarkko Valtanen
Timo JÄRVENSIVU
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.)
MOOM SOLUTIONS Ltd Oy
Original Assignee
MOOM SOLUTIONS Ltd Oy
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 MOOM SOLUTIONS Ltd Oy filed Critical MOOM SOLUTIONS Ltd Oy
Priority to AU2001287764A priority Critical patent/AU2001287764A1/en
Publication of WO2002025603A1 publication Critical patent/WO2002025603A1/fr
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

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Classifications

    • 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
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
    • G06F21/31—User authentication
    • G06F21/33—User authentication using certificates

Definitions

  • the invention relates to a method for the redempti- on/transfer of a product, service, payment and/or the like, whereby a customer has received in his/her portable data processing device, such as a mobile phone or the like, equipped with communication links, from a service provider, such as a vendor, a server and/or the like, in the form of a text message an electronic coupon, ticket, betting slip and/or the like, which contains a code or the like for enabling the redemption/transfer of a product, service, payment and/or the like in a controlled fashion.
  • a service provider such as a vendor, a server and/or the like
  • the customer presents a required custo- mer identifier, such as e.g. his/her customer number, during the course of a purchase transaction, to a service provider to be stored by the same in his/her database along with other information regarding the discussed purchase transaction.
  • a required custo- mer identifier such as e.g. his/her customer number
  • the customer is ready to claim or redeem e.g. a product/service purchased by him/her, he/she will be identified again, after which the service provider transfers or hands over the product/service to the customer on the basis of information present in his/her database.
  • PCT/FI99/00109 it is prior known from the publication PCT/FI99/00109 that a customer is given a code during the course of a purchase transaction, which enables him/her to redeem or claim his/her acquisiti- on.
  • Such a code can be implemented in a number of ways : it can be a random number sequence or an alphanumeric code, or it can be for example a digital code secured by encryption.
  • the customer is able to claim his/her acquisition from a service provider by means of said code in such a manner that, if necessary, the service provider checks the code for its authenticity, for example by decrypting the code, as well as checks his/her database to confirm that the code has not been used before, as well as runs the respective necessary checks by means of his/her system, such that the product/service can be transferred or handed over to the customer. It is also essential about these codes that, as a customer during the course of a redemption process presents a code to a service provider, this enables the service provider to confirm that the customer is entitled to claim this particular service/product.
  • a system enabling the verification of codes requires that a system be provided at the claiming point, which enables the reading and verification of codes possessed by a customer. For example, if a code giving entitlement to redemption and possessed by a customer is stored in the customer's portable data processing device, the service provider must be able to build a system which enables reading the code present in said data processing device.
  • Bluetooth and other systems based on radio signals and intended for short-range communication may provide a solution in terms of building the above type of verification system for codes.
  • some portable data processing devices are even now provided with a capability of infrared communication for verification purposes.
  • a short- range communication system as described above would also require major investments in systems that would enable the reading and checking of codes, as well as, on the other hand, the presentation of a verification result for making it possible to transfer or hand over a service.
  • the system would require a communication link between each verification or checking device and a database used in the process of creating the codes in order to make verification possible.
  • a reading and checking system for codes to enable redemption is a factor of major significance also from a client's viewpoint. If a reading/checking system is based, for example, on the application of Bluetooth or infrared communication, the client's data processing device must have a capability of establishing a communication as required by whatever system is in use.
  • a problem here is, however, that portable data processing devices capable of infrared communication, for example, are not in common use, and even those devices, which are provided with infrared communication, function in a variety of ways, and, thus, it is inconvenient for a service provider to account for all various devices capable of infrared communication.
  • a given device had a capability of infrared communication, said device would not be necessarily provided, nor can it be retrofitted, with a software for using infrared communication particu- larly for reading codes.
  • a method of the invention is principally characterized in that, for claiming a product, service, payment, betting prize, discount, admission, and/or the like, the client dispatches a text message received by him/her, or some of it, in the form of a text message, by using the communication capabilities of his/her data processing device, through a communications centre for further processing, which enables the redemption/supply of a particular transaction, such as the transfer of a purchase, a betting, lottery, raffle prize, a coupon offer and/or the like to the client, or his/her admission to an event/venue and/or the like, after the verification of a code or the like contained in the text message.
  • the principal benefits gained by a method of the invention include simplicity and reliability of its operating principle, whereby especially the completion of a so-called electronic commercial transaction can be verified in the most diverse of practical contexts and applications while effectively minimizing the need for extra large-scale computer hardware and communica- tion links.
  • One essential benefit in a method of the invention is first of all that a service provider can dramatically simplify his/her hardware stock, since, for example, all information per purchase transaction need not be necessarily forwarded in its current extent to other servers or to an entire sales network.
  • the most essential feature lies in the fact that the completion of commercial transactions will be markedly simplified with regard to both a service provider and a client, since for example an acquired product, service, or payment can be redeemed or claimed in a simple manner and immediately as the client delivers a text message received by him/her to a communications centre for its further processing, after which the service supplier can immediately hand over/transfer the discussed transaction to this particular client, after receiving a confirmation that the verification result is at least acceptable.
  • Another essential benefit gained by the invention is particularly the fact that its operation can be largely based on presently available standards, i.e. on the fact that a customer receives a code in his/her mobile phone in the form of a text message, that the customer dispatches the code further in the form of a text message by using the text communication capabilitiesi- ties of his/her mobile phone for enabling redemption, and that the verification result is reported for example to a pager by standard methods.
  • the fact that the inventive operation can be based on currently existing infrastructures enables the invention to be deployed immediately in full scale with quite low investments.
  • a service provider can use the system to serve as large a number of clients as possible, since for example in Europe and several other areas there are in practice more text communica- tion capable mobile phones in operation than any other portable data processing devices, which could be used for carrying out a redemption process.
  • the invention relates to a method for the redemption/transfer of a product, service, payment and/or the like, whereby a customer A has received in his/her portable data processing device, such as a mobile phone or the like, equipped with communication links, from a service provider, such as a vendor, a server and/or the like, in the form of a text message Xt an electronic coupon, ticket, betting slip and/or the like, which contains a code or the like for enabling the redemption/transfer of a product, service, payment and/or the like in a controlled fashion.
  • a service provider such as a vendor, a server and/or the like
  • the client A For claiming a product, service, payment, betting prize, discount, admission, and/or the like, the client A dispatches the text message Xt received by him/her, or some of it, in the form of a text message, by using the communication capabilities of his/her data processing device, through a text communications centre VK for further processing, which enables the redemption/supply of a particular transaction, such as the transfer of a purchase, a betting, lottery, raffle prize, a coupon offer and/or the like to the client, or his/her admission to an event/venue and/or the like, after the verification of a code or the like contained in the text message Xt .
  • the client or customer can claim e.g.
  • a service redeemed by him/her for example as a cash payment, as a text message in his/her mobile phone, or as a deposit directly in his/her account .
  • the service received as a text message may also be for example in the form of another text message for the customer to redeem another service, etc.
  • a text communication transmitted to the communications centre can be augmented on the part of a customer to include a message about which redemption point/service supplier is in question, i.e. for example the identification number of a store, a shop, or a person that the customer is about to claim his/her service/product from, in order to report the verification result to a proper place/person.
  • the client A redeems or claims a product, service, payment, betting prize, discount, admission, and/or the like physically, i.e. in direct contact with a service supplier PL.
  • the text message Xt is delivered to the client A after being processed by a concealing system, such as in an encrypted form or e.g. provided with a digital signature, particularly for verifying authenticity of the text message.
  • the text message can be encrypted partially or completely, or preferably just for the code to be verified, for confirming authenticity of the redemption right.
  • the service supplier PL Upon receiving a message about the verification result T, the service supplier PL gives the customer A a product, service, payment, and/or the like, such as a discount, prize, product, service, and/or the like, to which he/she is entitled to on the basis of the text message Xt .
  • a code or the like is verified by the checking system TJ for its authenticity and/or validity by decrypting the text message, the code, or the like, and/or by comparing the text message, the code, or the like with its database.
  • a message regarding a verification result and/or check T is delivered on the part of the checking system TJ, most preferably in an electronic mode, such as in the form of a text message and/or e-mail, to the service supplier's PL and/or the client's (A) data processing device, such as a mobile phone, a telephone, a pager, a computer data card, or in a similar fashion, whereby the service supplier and/or the client shall ultimate- ly receive a message regarding the verification result .
  • an electronic mode such as in the form of a text message and/or e-mail
  • the verification result T is delivered in an electronic mode to an automated actuator TL, which enables the supply of a purchase, such as a service, a product, and/or the like, or the admission to an event/venue in a computerized manner.
  • the verification result T is delivered electronically to the control of an automated entrance system TL for opening mechanically e.g. a turnstile, a door, a lock, and/or the like.
  • the verification result T is delivered in an electronic mode, comprising information about whether a ticket, a betting slip, and/or the like has been accepted/rejected, information about what the present code provides entitlement to, instructions for guiding a customer to enable a redemption/transfer, a password for giving a customer the right of redemption, a new redemption code, such as a coupon, an admission ticket, and/or a ticket to participate in a lottery, and/or the like information.
  • the communications centre may comprise a single common communications centre with a single telephone number, or it may be constituted by a larger entity, comprising a plurality of telephone numbers.
  • the checking system may be constituted by a verification server for codes, which is managed e.g. by a third party or an ASP (Application Service Provider) .
  • the text message received by a client may contain one or several codes.
  • the communications centre and the checking system may also be physically one and the same system.
  • the service supplier can be e.g. a newsstand, an automated dispenser, a waiter in restaurant, or the like.
  • the issuer of an actual coupon, ticket, or the like i.e. the original service provider
  • the original recipient of a code-containing text message i.e. the acquirer or the recipient of a direct marketing coupon, is not necessarily the same person as the user of the text message/code, i.e.
  • Clients are also capable of sending a code- containing text message from client to client, for example by using the text communication capabilities of their telephones. Thus, neither does the device used for redemption need to be the same as the one having received the original text message.
  • the above-described first sequence i.e. the delivery of a text message to a customer, can also be effected in many ways, e.g. in the form of direct advertising
  • the telephone number which establishes contact with the communications centre and to which the text message is transmitted, can be a number common to a number of different service provi- ders or e.g. specific to a service supplier/provider.
  • the telephone number may also be e.g. an ordinary mobile phone number, which is connected e.g. to an ordinary computer or a portable computer functioning as a checking system.
  • the text com- munications centre can be for example a telephone operator's text messaging center, a server, a combination of an ordinary computer and a mobile phone, or any data system, which has a capability of receiving text messages, as well as processing the same at least by forwarding the same to a checking system.
  • one preferred operating principle could be such that the discussed device comprises a portable computer maintained by a service supplier, such as a newsstand keeper, which has integrated therein e.g. a telephone card, whereby this combinati- on could function both as a comminucations centre receiving a text message, a checking system for codes, and as a terminal apparatus which discloses the verification result to the service supplier.
  • a service supplier such as a newsstand keeper
  • the communications centre transmits, in addition to a code giving entitlement to claim a service, also other possible information to the checking system, e.g. a client's telephone number.
  • a fourth sequence, relating to the delivery of a verification result can also be implemented in a variety of ways.
  • the verification result may contain highly diversified information, at least, however, a message regarding whether a coupon, a ticket, or a betting slip is authentic and/or valid.
  • the verification result always contains a message, indicating also which service, product, payment/discount a client is entitled to on the basis of a coupon, a ticket, or a betting slip.
  • the verification result can be disclosed to various terminal devices in the possession of service providers, such as computers, PDA devices, mobile phones, pagers, or the like, by many different methods, such as in the form of an e-mail or a text message.
  • a final sequence i.e. the actual trans- fer/redemption of a product, a service, a payment, and/or the like, can be implemented preferably e.g. in such a manner that a purchase/service is supplied e.g. by a waiter or a cashier, or a product is supplied automatically to a customer by an automated dispenser (e.g. a softdrink dispenser) .
  • an automated dispenser e.g. a softdrink dispenser
  • the above refers to the case that the client is indeed physically to the case that the client is indeed physically present to claim a service, product, payment, and/or the like entitled by a text message, such as a coupon discount, a betting prize, etc., immediately from a service supplier, which can be a firm, an association, a person, a machine/apparatus, etc.
  • a single code can be used for claiming a number of various services, products, or the like, i.e. a client can use a single code to claim both admission to an event and a monetary prize from a cashier.
  • the actuator TL can be for example an automated newspaper dispenser, an automated kiosk, an automated claiming point for betting prizes, an automated keeper for keys, an automated softdrink dispenser, a turnstile in an entrance system, or some other automated arrangement capable of supplying a customer with a service, a product, or the like.

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  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • Accounting & Taxation (AREA)
  • Development Economics (AREA)
  • Finance (AREA)
  • Computer Security & Cryptography (AREA)
  • Strategic Management (AREA)
  • General Physics & Mathematics (AREA)
  • Entrepreneurship & Innovation (AREA)
  • General Business, Economics & Management (AREA)
  • Marketing (AREA)
  • Economics (AREA)
  • Game Theory and Decision Science (AREA)
  • Computer Hardware Design (AREA)
  • Software Systems (AREA)
  • General Engineering & Computer Science (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)

Abstract

L'invention concerne un procédé de remboursement/transfert d'un produit, d'un service, d'un paiement et/ou analogue. Un client (A) reçoit sur son dispositif de traitement de données portatif (tel qu'un téléphone mobile ou analogue) équipé de lignes de communication, d'un fournisseur de services (tel qu'un vendeur, un serveur et/ou analogue), sous forme de message textuel (Xt), un coupon, un billet, une fiche de pari électronique et/ou analogue contenant un code ou analogue qui permet le remboursement/transfert contrôlé d'un produit, d'un service, d'un paiement et/ou analogue. Pour réclamer un produit, un service, un paiement, un gain de pari, une remise, un droit d'entrée, et/ou analogue, le client (A) utilise un centre de communications textuelles (VK) pour envoyer, pour retraitement, le message textuel (Xt) reçu ou une partie de ce message, sous forme de message textuel, en mettant en oeuvre les fonctions de communication de son dispositif de traitement de données portatif, ce qui permet le remboursement/fourniture d'une transaction particulière, telle que le transfert d'un achat, d'un pari, d'un billet de loterie, d'un gain de tirage au sort, d'une offre de coupon et/ou analogue au client; ou son droit d'entrée à une manifestation/endroit et/ou analogue, après vérification d'un code ou analogue contenu dans le message textuel (Xt).
PCT/FI2001/000789 2000-09-25 2001-09-12 Procede de remboursement/transfert d'un produit, d'un service, d'un paiement et/ou analogue Ceased WO2002025603A1 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU2001287764A AU2001287764A1 (en) 2000-09-25 2001-09-12 Method for the redemption/transfer of a product, service, payment and/or the like

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
FI20002102 2000-09-25
FI20002102A FI20002102A0 (fi) 2000-09-25 2000-09-25 Menetelmä tuotteen, palvelun, maksun ja/tai vastaavan lunastukseen/luovutukseen

Publications (1)

Publication Number Publication Date
WO2002025603A1 true WO2002025603A1 (fr) 2002-03-28

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PCT/FI2001/000789 Ceased WO2002025603A1 (fr) 2000-09-25 2001-09-12 Procede de remboursement/transfert d'un produit, d'un service, d'un paiement et/ou analogue

Country Status (3)

Country Link
AU (1) AU2001287764A1 (fr)
FI (1) FI20002102A0 (fr)
WO (1) WO2002025603A1 (fr)

Cited By (9)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
GB2373138A (en) * 2001-01-23 2002-09-11 Mobile Gaming Ltd Mobile telephone game played via text messaging
GB2389693A (en) * 2002-06-10 2003-12-17 Consignia Plc Payment systems
WO2004077320A1 (fr) * 2003-02-25 2004-09-10 John Francis Heath Systemes de recompense
GB2400716A (en) * 2003-04-18 2004-10-20 Samsung Electronics Co Ltd Purchasing betting tickets using wireless communication network
AU2004203807B1 (en) * 2004-05-07 2005-01-20 Wheeler, Leonie Kathryn A Method of Commerce
US6944770B2 (en) 2001-05-17 2005-09-13 Intelli-Mark Technologies, Inc. Methods and systems for generating and validating value-bearing documents
WO2007060451A3 (fr) * 2005-11-25 2007-08-09 Movo Ltd I Bons electroniques
WO2008026945A1 (fr) * 2006-09-01 2008-03-06 Run The Red Limited Procédé d'autorisation de paiement en ligne, procédé de corrélation de messages textuels et systèmes associés
US8948733B2 (en) 2007-05-30 2015-02-03 Shoptext, Inc. Consumer registration via mobile device

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1998028900A1 (fr) * 1996-12-23 1998-07-02 Swisscom Ag Procede et systeme de transmission de commandes par un reseau de telecommunications
WO1998047112A1 (fr) * 1997-04-15 1998-10-22 Stratex/Paradigm (Uk) Limited Procede de vente electronique, de distribution, et de recharge d'une valeur prepayee, appareil de vente et systeme electronique s'utilisant dans cet appareil
WO1999056231A1 (fr) * 1998-04-29 1999-11-04 Jarkko Valtanen Procede permettant d'augmenter l'efficacite du commerce
WO2000033264A1 (fr) * 1998-12-02 2000-06-08 Swisscom Ag Procede et systeme pour charger ou recharger un compte avec une valeur correspondant a une somme d'argent

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1998028900A1 (fr) * 1996-12-23 1998-07-02 Swisscom Ag Procede et systeme de transmission de commandes par un reseau de telecommunications
WO1998047112A1 (fr) * 1997-04-15 1998-10-22 Stratex/Paradigm (Uk) Limited Procede de vente electronique, de distribution, et de recharge d'une valeur prepayee, appareil de vente et systeme electronique s'utilisant dans cet appareil
WO1999056231A1 (fr) * 1998-04-29 1999-11-04 Jarkko Valtanen Procede permettant d'augmenter l'efficacite du commerce
WO2000033264A1 (fr) * 1998-12-02 2000-06-08 Swisscom Ag Procede et systeme pour charger ou recharger un compte avec une valeur correspondant a une somme d'argent

Cited By (14)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
GB2373138A (en) * 2001-01-23 2002-09-11 Mobile Gaming Ltd Mobile telephone game played via text messaging
US6944770B2 (en) 2001-05-17 2005-09-13 Intelli-Mark Technologies, Inc. Methods and systems for generating and validating value-bearing documents
GB2389693A (en) * 2002-06-10 2003-12-17 Consignia Plc Payment systems
WO2004077320A1 (fr) * 2003-02-25 2004-09-10 John Francis Heath Systemes de recompense
GB2400716A (en) * 2003-04-18 2004-10-20 Samsung Electronics Co Ltd Purchasing betting tickets using wireless communication network
GB2400716B (en) * 2003-04-18 2005-06-15 Samsung Electronics Co Ltd Purchasing betting tickets using wireless communication network
AU2004203807B1 (en) * 2004-05-07 2005-01-20 Wheeler, Leonie Kathryn A Method of Commerce
WO2005109243A1 (fr) * 2004-05-07 2005-11-17 Leonie Wheeler Procede de commerce
WO2007060451A3 (fr) * 2005-11-25 2007-08-09 Movo Ltd I Bons electroniques
EP2299397A1 (fr) * 2005-11-25 2011-03-23 I-Movo Limited Bons électroniques
WO2008026945A1 (fr) * 2006-09-01 2008-03-06 Run The Red Limited Procédé d'autorisation de paiement en ligne, procédé de corrélation de messages textuels et systèmes associés
AU2007289449B2 (en) * 2006-09-01 2010-08-12 Modica Group Limited A method of online payment authorization, a method of correlating text messages and systems therefor
US8948733B2 (en) 2007-05-30 2015-02-03 Shoptext, Inc. Consumer registration via mobile device
US9749839B2 (en) 2007-05-30 2017-08-29 Shoptext, Inc. Consumer registration via mobile device

Also Published As

Publication number Publication date
FI20002102A0 (fi) 2000-09-25
AU2001287764A1 (en) 2002-04-02

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