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WO2008139282A1 - Système et procédé pour faire un paiement - Google Patents

Système et procédé pour faire un paiement Download PDF

Info

Publication number
WO2008139282A1
WO2008139282A1 PCT/IB2008/000078 IB2008000078W WO2008139282A1 WO 2008139282 A1 WO2008139282 A1 WO 2008139282A1 IB 2008000078 W IB2008000078 W IB 2008000078W WO 2008139282 A1 WO2008139282 A1 WO 2008139282A1
Authority
WO
WIPO (PCT)
Prior art keywords
user
credit card
administrator
temporary credit
card number
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/IB2008/000078
Other languages
English (en)
Inventor
Loyiso Vuyo Bayi
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.)
NDZAMELA XOLANI
POTO OSWELL MKHULULI MASABISO
Original Assignee
NDZAMELA XOLANI
POTO OSWELL MKHULULI MASABISO
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 NDZAMELA XOLANI, POTO OSWELL MKHULULI MASABISO filed Critical NDZAMELA XOLANI
Publication of WO2008139282A1 publication Critical patent/WO2008139282A1/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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
    • 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
    • G06Q20/24—Credit schemes, i.e. "pay after"
    • 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
    • G06Q20/357—Cards having a plurality of specified features
    • G06Q20/3572—Multiple accounts on card

Definitions

  • This invention relates to electronic commerce and particularly to a system and method for making payment over the Internet.
  • credit card number will be understood to include sixteen digit credit card numbers, expiry date and card security code, being the details which are require for carrying out a transaction. It includes debit card numbers and any other number format which is accepted by a vendor in terms of a payment system.
  • the object of this invention is to provide a system and method for making a payment which at least partially enhances the security and privacy of electronic payments.
  • a system having an administrator operable to supply one of a plurality of temporary credit card numbers to a user, the numbers being associated with an administrator's bank account at a banking institution.
  • the temporary credit card number may expire after a time period preselected by the user or the administrator.
  • the system may comprise a database comprising information regarding the user, the temporary credit card number supplied to the user, and the expiry details of the temporary credit card number.
  • a method for making remote payment comprising an administrator supplying a user with one of a plurality of temporary credit card numbers for making payments, each number being associated with a bank account held by the administrator at a banking institution.
  • the method may further include a prior step of the user transferring funds from, a bank account of the user to the administrator's bank account.
  • the method may further comprise terminating the validity of the temporary credit card number a predetermined period after issue.
  • the method may further comprise the steps of: determining an expiry time, after which the temporary credit card will no longer be valid; and
  • Figure 1 shows a schematic block diagram of a payment according to an example embodiment of the present invention
  • Figure 2 shows a flow chart representing a method for making remote payment according to an example embodiment of the present invention.
  • Figure 3 shows a flow chart representing a method of issuing temporary credit card numbers according to an example embodiment of the present invention.
  • a payment system 10 in accordance with the invention includes an administrator 12 having a database 14 and a processing unit 16 with a communication means, such as a personal computer with internet access, the internet being represented schematically by bubble 18.
  • a user 20 wishing to make an online transaction must register to use the system 10. This may be done in several ways. In a first way, registration is carried out on an online system, indicated schematically by bubble 22, where the user 20 is prompted to provide a username and password. For the sake of privacy, no personal or contact details are required for registering. The user 20 is then informed that, to make use of the system 10, funds must be deposited into one of a plurality of bank accounts. As will be described in more detail further on in the specification, the administrator 12 may have bank accounts 24, 26 and 28, each at different banks. In order for the funds to be allocated to the user 20, the username must be entered as a reference.
  • registration may take place telephonically.
  • the user 20 can use a mobile telephone to send a blank text message using short message service (SMS) to a predetermined number.
  • SMS short message service
  • the administrator 12 is then operable to receive the SMS and generate a username and password for the user 20 which are then sent to the user's mobile telephone.
  • funds need to be transferred in a conventional manner to one of the bank accounts 24, 26, 28 held by the administrator 12, each account being at a different banking institution.
  • the reference number entered during the transfer is the user's username.
  • the administrator 12 is then operable to monitor each bank account 24, 26, 28 for possible transactions taking place. Once a deposit is made, the administrator 12 issues one of several temporary credit card numbers to the user 20. The administrator 12 stores the temporary credit card number on its database 14 against the username. The relevant bank account details and deposit are also entered into the database 14.
  • the user 20 obtains the temporary credit card number by logging into the system 10 online or by sending his username, by SMS, to a dedicated number.
  • the SMS triggers the administrator 12 to send the temporary credit card number to the user's mobile telephone.
  • the user 20 may determine the duration of the temporary credit card number's validity. Preferably, for the sake of security of payment, the user 20 may only choose a duration that is less than a predetermined duration, such as, for example, five hours.
  • the user 20 may then shop at a vendor using the temporary credit card number, as is well known in the art. When prompted to enter his credit card details, the user 20 gives the vendor his temporary credit card number.
  • the administrator 12 is then informed of the proposed intended transaction and verifies that it is less than the amount which was transferred by the user 20 into the administrator's bank account. If so, the transaction is allowed. If it exceeds the amount or if it is effected after the credit card number is expired, the transaction is denied.
  • the administrator 12 may adjust the credit limit of the temporary credit number so that it matches the amount transferred/required by the user 20. In so doing, if the transaction amount exceeds the credit limit of the relevant temporary credit card number, the transaction will not be approved,
  • the sixteen digit credit number may be issued in a voucher which may be bought at any dedicated outlet, such as a post office or pharmacy. Then, the user who wishes to make purchases to the value of R1000, pays the vendor for a R1000 voucher.
  • the voucher has a number concealed by a layer which may be scratched off. After scratching off the layer, the number is SMS'd to the administrator with the usemame. As that number corresponds to a R 1000 voucher, the administrator is aware of the amount to be allocated to the user.
  • FIG 2 a second aspect of this invention, namely a method 30 for making remote payment, will be briefly described.
  • the method 30 comprises an administrator supplying a user with one of a plurality of temporary credit card numbers for making payments, as indicated by block 32. As described above, each number is associated with a bank account held by the administrator at a banking institution.
  • the method 30 may further include a prior step of the user transferring funds from a bank account of the user to the administrator's bank account, as indicated by block 34.
  • the method 30 may further comprise terminating the validity of the temporary credit card number a predetermined period after issue, as indicated by block 36.
  • the method 40 comprises receiving funds from a user, as indicated by block 42.
  • the method 40 further comprises selecting a temporary credit card number, the credit card number being associated with a bank account held by an administrator at a banking institution, as indicated by block 44, and as described in detail above.
  • the method 40 comprises communicating the selected temporary credit card number to the user, as indicated by block 46.
  • the method 40 may further comprise the steps of determining an expiry time, after which the temporary credit card will no longer be valid, as indicated by block

Landscapes

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

Abstract

L'invention concerne un système ayant un administrateur utilisable pour fournir à un utilisateur un numéro parmi une pluralité de numéros de carte de crédit temporaire, les numéros étant associés à un compte bancaire d'administrateur au niveau d'une institution bancaire. Dans un exemple de réalisation, le numéro de carte de crédit temporaire peut expirer après une période de temps préalablement sélectionnée par l'utilisateur ou l'administrateur. Un procédé pour faire un télépaiement est aussi décrit, le procédé comprenant le fait que l'administrateur fournit à un utilisateur un numéro parmi une pluralité de numéros de carte de crédit temporaire pour faire des paiements, chaque numéro étant associé à un compte bancaire tenu par l'administrateur au niveau d'une institution bancaire. L'invention concerne aussi un procédé pour délivrer des numéros de carte de crédit temporaire, le procédé comprenant la réception de fond à partir d'un utilisateur, la sélection d'un numéro de carte de crédit temporaire, et la communication du numéro de carte de crédit temporaire sélectionné à l'utilisateur.
PCT/IB2008/000078 2007-05-16 2008-01-15 Système et procédé pour faire un paiement Ceased WO2008139282A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
ZA2007/03973 2007-05-16
ZA200703973 2007-05-16

Publications (1)

Publication Number Publication Date
WO2008139282A1 true WO2008139282A1 (fr) 2008-11-20

Family

ID=39388263

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/IB2008/000078 Ceased WO2008139282A1 (fr) 2007-05-16 2008-01-15 Système et procédé pour faire un paiement

Country Status (2)

Country Link
WO (1) WO2008139282A1 (fr)
ZA (1) ZA200905789B (fr)

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20100133334A1 (en) * 2008-12-03 2010-06-03 Srinivas Vadhri System and method to allow access to a value holding account

Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5883810A (en) * 1997-09-24 1999-03-16 Microsoft Corporation Electronic online commerce card with transactionproxy number for online transactions
WO2001003033A1 (fr) * 1999-07-02 2001-01-11 Namesafe.Com Inc. Procede de fourniture de carte de paiement electronique anonyme prepayee compatible avec les reseaux existants de cartes de credit

Patent Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5883810A (en) * 1997-09-24 1999-03-16 Microsoft Corporation Electronic online commerce card with transactionproxy number for online transactions
WO2001003033A1 (fr) * 1999-07-02 2001-01-11 Namesafe.Com Inc. Procede de fourniture de carte de paiement electronique anonyme prepayee compatible avec les reseaux existants de cartes de credit

Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20100133334A1 (en) * 2008-12-03 2010-06-03 Srinivas Vadhri System and method to allow access to a value holding account
US8196813B2 (en) * 2008-12-03 2012-06-12 Ebay Inc. System and method to allow access to a value holding account
US8800865B2 (en) 2008-12-03 2014-08-12 Ebay Inc. System and method to allow access to a value holding account
US9361647B2 (en) 2008-12-03 2016-06-07 Paypal, Inc. System and method to allow access to a value holding account

Also Published As

Publication number Publication date
ZA200905789B (en) 2010-06-30

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