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WO2003009243A1 - Systeme mobile de transfert electronique de fonds, et procede y relatif - Google Patents

Systeme mobile de transfert electronique de fonds, et procede y relatif Download PDF

Info

Publication number
WO2003009243A1
WO2003009243A1 PCT/SG2001/000152 SG0100152W WO03009243A1 WO 2003009243 A1 WO2003009243 A1 WO 2003009243A1 SG 0100152 W SG0100152 W SG 0100152W WO 03009243 A1 WO03009243 A1 WO 03009243A1
Authority
WO
WIPO (PCT)
Prior art keywords
account
payment
message
sms
funds
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/SG2001/000152
Other languages
English (en)
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.)
QUAK SER KHOON
W3 INFOCOMM GROUP Pte Ltd
Original Assignee
QUAK SER KHOON
W3 INFOCOMM GROUP Pte 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 QUAK SER KHOON, W3 INFOCOMM GROUP Pte Ltd filed Critical QUAK SER KHOON
Priority to PCT/SG2001/000152 priority Critical patent/WO2003009243A1/fr
Priority to CNA018234887A priority patent/CN1529878A/zh
Publication of WO2003009243A1 publication Critical patent/WO2003009243A1/fr
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

Links

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
    • 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
    • G06Q20/30—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
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • 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
    • G06Q20/29—Payment schemes or models characterised by micropayments
    • 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
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3223—Realising banking transactions through M-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
    • G06Q20/30—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
    • G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
    • G06Q20/3255—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks using mobile network messaging services for payment, e.g. SMS

Definitions

  • Payment Gateway 8 also interfaces to Consumer Preference Server 7.
  • the consumer signs up at Consumer Preference Server 7 and provides his name, mobile no., USERID, PIN, issuing bank account or virtual e-purse account, his preference whether to require FVR return confirmation and PIN authorisation, his preferred return path for payment record, and whether he wants to receive a FVR or SMS payment record.
  • Consumer Preference Server 7 interfaces with the Payment Provider back-end system 9 which is connected to various participating banks, and recognizes the issuing bank account. Some of these information such as USERID, mobile no. and preferences etc are interfaces with Database module 89 which is linked to SMS Router which contains the business logic to identify the consumer and attend to his preferences etc.
  • Message broker 85 converts the message text to payment inf astructure provider message format to allow instructions to be given to payment provider gateway 9, for a subsequent initiation of electronic funds transfer.

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Finance (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Telephonic Communication Services (AREA)

Abstract

L'invention concerne un procédé et un système mobile de micro-paiement par porte-monnaie électronique virtuel. L'usager introduit une instruction SMS mise en forme et transmet celle-ci à un numéro de téléphone spécifié, en vue d'effectuer un micro-paiement débité d'un compte d'un fonds monétaire qui peut comprendre un compte porte-monnaie électronique virtuel à valeur stockée ou un compte d'une banque émettrice à partir duquel des fonds peuvent être débités directement à son commerçant sélectionné. Il est prévu des moyens de sécurité dans lesquels l'identificateur à numéro de téléphone MSISDN unique et le USERID servent à identifier l'usager. En vue d'avoir une sécurité supplémentaire, l'usager reçoit un appel vocal composé lui demandant de confirmer les instructions de paiement et d'introduire son NIP (numéro d'identification personnel). L'invention concerne également des trajets retour, simples, efficaces, multi-modaux, avec confirmation via simple fax, e-mail ou téléphonique, fournissant ainsi au commerçant un enregistrement physique lui garantissant que le paiement a été effectué.
PCT/SG2001/000152 2001-07-19 2001-07-19 Systeme mobile de transfert electronique de fonds, et procede y relatif Ceased WO2003009243A1 (fr)

Priority Applications (2)

Application Number Priority Date Filing Date Title
PCT/SG2001/000152 WO2003009243A1 (fr) 2001-07-19 2001-07-19 Systeme mobile de transfert electronique de fonds, et procede y relatif
CNA018234887A CN1529878A (zh) 2001-07-19 2001-07-19 移动电子资金转帐系统和方法

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/SG2001/000152 WO2003009243A1 (fr) 2001-07-19 2001-07-19 Systeme mobile de transfert electronique de fonds, et procede y relatif

Publications (1)

Publication Number Publication Date
WO2003009243A1 true WO2003009243A1 (fr) 2003-01-30

Family

ID=20428970

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/SG2001/000152 Ceased WO2003009243A1 (fr) 2001-07-19 2001-07-19 Systeme mobile de transfert electronique de fonds, et procede y relatif

Country Status (2)

Country Link
CN (1) CN1529878A (fr)
WO (1) WO2003009243A1 (fr)

Cited By (15)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2004075086A1 (fr) * 2003-02-18 2004-09-02 Wang Soo Ryu Procede destine a fournir un service financier au moyen d'un numero de telephone et d'un solde de compte
EP1510983A1 (fr) * 2003-08-26 2005-03-02 Siemens Aktiengesellschaft Plate-form de paiement pour operateurs de réseau et pour terminaux pour la réalisation d'un paiement éléctronique et procédés correspendants
WO2005078672A1 (fr) * 2004-02-13 2005-08-25 Paysetter Pte Ltd Systeme et procede facilitant le versement d'une somme d'argent a une partie qui ne dispose pas d'un compte pouvant servir a detenir l'equivalent d'une valeur monetaire
WO2006020938A3 (fr) * 2004-08-14 2006-08-10 Kirusa Inc Procedes d'identification de messages et de communications avec des utilisateurs d'un service de messagerie multimode
WO2006095250A1 (fr) * 2005-03-11 2006-09-14 Firstrand Bank Limited Systeme et procede bancaire mobile
WO2007043946A1 (fr) * 2005-10-13 2007-04-19 Telefonaktie Lm Ericsson (Publ) Procede et agencement permettant d'effectuer des paiements sur un reseau de telecommunication mobile
BE1016964A3 (fr) * 2006-01-25 2007-11-06 Zurstrassen Jean Guillaume Methode et systeme de paiements electroniques entre porte-monnaies electroniques.
GB2452700A (en) * 2007-08-24 2009-03-18 Intellprop Ltd Initiating a payment service by including a scan tag in a short message
WO2010035224A3 (fr) * 2008-09-23 2010-07-15 Virtual Payment Solutions (Pty) Ltd Procédé et système de transaction
WO2011037134A1 (fr) * 2009-09-24 2011-03-31 日本電信電話株式会社 Procédé de paiement électronique, système, serveur et programme correspondants
US8065232B2 (en) * 2003-03-11 2011-11-22 Christian Hogl Method and system for initiating and/or conducting a transaction that is associated with at least two corresponding declarations of intent
US8694425B2 (en) 1999-05-03 2014-04-08 Jpmorgan Chase Bank, N.A. Method and system for processing internet payments using the electronic funds transfer network
EP2920753A4 (fr) * 2012-11-16 2016-07-27 Bambora On Mobile Ab Procédé de réalisation d'un paiement faisant appel à un dispositif de communication portable
US9864991B2 (en) 2009-09-22 2018-01-09 Murphy Oil Usa, Inc. Method and apparatus for secure transaction management
WO2019025989A1 (fr) * 2017-08-04 2019-02-07 Adari Swarna Kumari Système et procédé destinés à la génération en temps réel de bordereau de paiement

Families Citing this family (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7472822B2 (en) * 2005-03-23 2009-01-06 E2Interactive, Inc. Delivery of value identifiers using short message service (SMS)
CN101018130B (zh) * 2007-02-15 2010-09-08 物方恒德（北京）投资咨询有限公司 金融业务系统及金融业务处理方法
CN101604467B (zh) * 2008-06-10 2011-03-16 关贸网路股份有限公司 消费信息处理方法

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2000002168A2 (fr) * 1998-07-03 2000-01-13 Sagem S.A. Procede de paiement electronique
WO2000031699A1 (fr) * 1998-11-22 2000-06-02 Easy Charge Cellular (Pty) Limited Procede et dispositif pour la conduite de transactions electroniques
DE19903822A1 (de) * 1999-02-02 2000-08-10 Mathias Entenmann Verfahren zur Durchführung bargeldloser Zahlungen und System zur Durchführung des Verfahrens
EP1065634A1 (fr) * 1999-07-02 2001-01-03 Mic Systems Système et méthode pour effectuer des transactions électroniques sécurisées à travers un réseau de communication ouvert

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2000002168A2 (fr) * 1998-07-03 2000-01-13 Sagem S.A. Procede de paiement electronique
WO2000031699A1 (fr) * 1998-11-22 2000-06-02 Easy Charge Cellular (Pty) Limited Procede et dispositif pour la conduite de transactions electroniques
DE19903822A1 (de) * 1999-02-02 2000-08-10 Mathias Entenmann Verfahren zur Durchführung bargeldloser Zahlungen und System zur Durchführung des Verfahrens
EP1065634A1 (fr) * 1999-07-02 2001-01-03 Mic Systems Système et méthode pour effectuer des transactions électroniques sécurisées à travers un réseau de communication ouvert

Cited By (18)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US8694425B2 (en) 1999-05-03 2014-04-08 Jpmorgan Chase Bank, N.A. Method and system for processing internet payments using the electronic funds transfer network
WO2004075086A1 (fr) * 2003-02-18 2004-09-02 Wang Soo Ryu Procede destine a fournir un service financier au moyen d'un numero de telephone et d'un solde de compte
US8065232B2 (en) * 2003-03-11 2011-11-22 Christian Hogl Method and system for initiating and/or conducting a transaction that is associated with at least two corresponding declarations of intent
US8831990B2 (en) 2003-03-11 2014-09-09 Christian Hogl Method and system for a payment transaction associated with a declaration of intent
US8566238B2 (en) 2003-03-11 2013-10-22 Christian Hogl Method for a payment transaction associated with two corresponding declarations of intent
EP1510983A1 (fr) * 2003-08-26 2005-03-02 Siemens Aktiengesellschaft Plate-form de paiement pour operateurs de réseau et pour terminaux pour la réalisation d'un paiement éléctronique et procédés correspendants
WO2005078672A1 (fr) * 2004-02-13 2005-08-25 Paysetter Pte Ltd Systeme et procede facilitant le versement d'une somme d'argent a une partie qui ne dispose pas d'un compte pouvant servir a detenir l'equivalent d'une valeur monetaire
WO2006020938A3 (fr) * 2004-08-14 2006-08-10 Kirusa Inc Procedes d'identification de messages et de communications avec des utilisateurs d'un service de messagerie multimode
WO2006095250A1 (fr) * 2005-03-11 2006-09-14 Firstrand Bank Limited Systeme et procede bancaire mobile
WO2007043946A1 (fr) * 2005-10-13 2007-04-19 Telefonaktie Lm Ericsson (Publ) Procede et agencement permettant d'effectuer des paiements sur un reseau de telecommunication mobile
BE1016964A3 (fr) * 2006-01-25 2007-11-06 Zurstrassen Jean Guillaume Methode et systeme de paiements electroniques entre porte-monnaies electroniques.
GB2452700A (en) * 2007-08-24 2009-03-18 Intellprop Ltd Initiating a payment service by including a scan tag in a short message
WO2010035224A3 (fr) * 2008-09-23 2010-07-15 Virtual Payment Solutions (Pty) Ltd Procédé et système de transaction
US9864991B2 (en) 2009-09-22 2018-01-09 Murphy Oil Usa, Inc. Method and apparatus for secure transaction management
WO2011037134A1 (fr) * 2009-09-24 2011-03-31 日本電信電話株式会社 Procédé de paiement électronique, système, serveur et programme correspondants
US9177309B2 (en) 2009-09-24 2015-11-03 Nippon Telegraph And Telephone Corporation Electronic settlement method, system, server and program thereof
EP2920753A4 (fr) * 2012-11-16 2016-07-27 Bambora On Mobile Ab Procédé de réalisation d'un paiement faisant appel à un dispositif de communication portable
WO2019025989A1 (fr) * 2017-08-04 2019-02-07 Adari Swarna Kumari Système et procédé destinés à la génération en temps réel de bordereau de paiement

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Publication number Publication date
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