DK2396754T3 - Sikker betalings- og faktureringsfremgangsmåde ved anvendelse af mobiltelefonnummer eller -konto - Google Patents

Sikker betalings- og faktureringsfremgangsmåde ved anvendelse af mobiltelefonnummer eller -konto Download PDF

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DK2396754T3
DK2396754T3 DK10741708.1T DK10741708T DK2396754T3 DK 2396754 T3 DK2396754 T3 DK 2396754T3 DK 10741708 T DK10741708 T DK 10741708T DK 2396754 T3 DK2396754 T3 DK 2396754T3
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payment
user
mobile
mobile phone
services
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Karim Anwar Rammal
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Net2Text Ltd
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    • 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
    • G06Q20/12—Payment architectures specially adapted for electronic shopping 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
    • G06Q20/08—Payment architectures
    • G06Q20/16—Payments settled via telecommunication 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
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
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    • 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
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    • 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
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    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3821—Electronic credentials
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    • G06Q20/00—Payment architectures, schemes or protocols
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    • G06Q20/386—Payment protocols; Details thereof using messaging services or messaging apps
    • G—PHYSICS
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    • 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
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
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    • 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
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
    • G06Q20/425—Confirmation, e.g. check or permission by the legal debtor of payment using two different networks, one for transaction and one for security confirmation
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    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
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    • H04L12/14—Charging, metering or billing arrangements specially adapted for data communications, e.g. authentication, authorisation and accounting [AAA] framework
    • H04L12/1453—Methods or systems for payment or settlement of the charges for data transmission involving significant interaction with the data transmission network
    • H04L12/1467—Methods or systems for payment or settlement of the charges for data transmission involving significant interaction with the data transmission network involving prepayment
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/04—Network architectures or network communication protocols for network security for providing a confidential data exchange among entities communicating through data packet networks
    • H04L63/0428—Network architectures or network communication protocols for network security for providing a confidential data exchange among entities communicating through data packet networks wherein the data content is protected, e.g. by encrypting or encapsulating the payload
    • H—ELECTRICITY
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    • H—ELECTRICITY
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    • G—PHYSICS
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    • G06Q20/00—Payment architectures, schemes or protocols
    • G—PHYSICS
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Claims (12)

SIKKER BETALINGS- OG FAKTURERINGSFREMGANGSMÅDE VED ANVENDELSE AF MOBILTELEFONNUMMER ELLER -KONTO
1. Computerimplementeret system til behandling af betalinger for varer eller tjenesteydelser (105), hvilket system omfatter: en betalingsprocessor (110) konfigureret til at modtage en betalingsanmodning for varer eller tjenesteydelser (105) fra en erhvervsdrivende (104), hvor betalingsanmodningen indbefatter en brugers (102) mobiltelefonnummer; hvor en brugers (102) mobiloperatør (112) betaler den erhvervsdrivende (104) via betalingsprocessoren (110); hvor brugerens mobiltelefonnummer og en mobiltelefonkonto deponeres hos mobiloperatøren (112); hvor mobiltelefonkontoen er tilpasset til at indbefatte en saldo for betaling af varerne eller tjenesteydelserne (105); betalingsprocessoren (110) er konfigureret til at sende en betalingsbemyndigelsesanmodnings-tekstmeddelelse til brugerens (102) mobiloperatør (112), hvori der anmodes om bemyndigelse til betaling af betalingsanmodningen; mobiloperatøren (112) er konfigureret til at modtage betalingsbemyndigelsesanmodnings-tekstmeddelelsen fra betalingsprocessoren (110), til at kontrollere brugerens mobiltelefonnummer og til at kontrollere mobiltelefonkontoens saldo; mobiloperatøren (112) er konfigureret til at sende en tekstmeddelelse til brugeren (102) på dennes mobilnummer, hvori der anmodes om et svar fra brugeren (102) om godkendelse af træk på mobiltelefonkontoen ved anvendelse af et personligt identifikationsnummer, såfremt mobilnummeret er kontrolleret med succes og mobiltelefonkontoens saldo er tilstrækkelig til at betale forvarerne eller tjenesteydelserne (105); brugerens (102) mobiltelefon er konfigureret til at sende en betalingsbemyndigelsestekstmeddelelse, der indbefatter det personlige identifikationsnummer forbundet med mobiltelefonnummeret, til mobiloperatøren (112) med henblik på bekræftelse; mobiloperatøren (112) er konfigureret til at modtage og bekræfte brugerens personlige identifikationsnummer og til at trække beløbet på mobiltelefonkontoen til betaling af den erhvervsdrivende (104) for varerne eller tjenesteydelserne (105); og mobiloperatøren (112) er konfigureret til at sende en godkendelse til betalingsprocessoren (110), hvorved der skabes en betalingsforpligtelse i henhold til de vilkår, der er aftalt mellem brugeren (102) og den erhvervsdrivende (104); hvor mobiloperatøren (112) er konfigureret til at modtage betalingsbemyndigelsestekstmeddelelsen fra brugerens (102) mobiltelefon for bemyndigelse eller ikke-bemyndigelse af betalingen af betalingsanmodningen; hvis betalingsbemyndigelses-tekstmeddelelsen fra brugerens (102) mobiltelefon bemyndiger betalingen af betalingsanmodningen, er betalingsprocessoren (110) konfigureret til at betale den erhvervsdrivende (104) direkte på vegne af brugeren (102) forvarerne eller tjenesteydelserne (105) og debitere brugerens (102) mobiltelefonkonto med betalingen; hvis betalingsbemyndigelses-tekstmeddelelsen fra brugerens (102) mobiltelefon ikke bemyndiger betalingen af betalingsanmodningen, eller hvis betalingsbemyndigelsestekstmeddelelsen ikke modtages inden for et forudbestemt tidsrum, er betalingsprocessoren (110) konfigureret til afvisning af betaling til den erhvervsdrivende (104) for varerne eller tjenesteydelserne (105), og brugerens (102) personlige identifikationsnummer (102) formidles ikke til betalingsprocessoren (110).
2. System ifølge krav 1, hvor betalingsbemyndigelses-tekstmeddelelsen fra brugerens (102) mobiltelefon indbefatter en personlig identifikationskode, der er unik for brugeren (102).
3. System ifølge krav 1 eller 2, hvor, efter modtagelse af godkendelsen fra brugerens (102) mobiloperatør, der bemyndiger betalingen, betalingsprocessoren (110) er konfigureret til at gøre det muligt for brugerens (102) mobiltelefon at modtage en kvittering for betalingen af de bestilte varer eller tjenesteydelser (105) fra den erhvervsdrivende (104), indbefattende afsendelsesinformationer, reklamemeddelelser og/eller kuponer.
4. System ifølge et hvilket som helst af kravene 1 til 3, hvor brugerens (102) mobiltelefonkonto kan forhøjes til at indbefatte en saldo til betaling af varer eller tjenesteydelser (105) fra en erhvervsdrivende (104).
5. Computerimplementeret fremgangsmåde til behandling af betalinger for varer eller tjenesteydelser (105), hvilken fremgangsmåde omfatter: modtagelse via en betalingsprocessor (110) af en betalingsanmodning for varer eller tjenesteydelser (105) fra en erhvervsdrivende (104); hvor betalingsanmodningen indbefatter en brugers (102) mobiltelefonnummer; og hvor en brugers (102) mobiloperatør (112) betaler den erhvervsdrivende (104) via betalingsprocessoren (110); hvor brugerens mobiltelefonnummer og en mobiltelefonkonto deponeres hos mobiloperatøren (112); hvor mobiltelefonkontoen indbefatter en saldo for betaling af varerne eller tjenesteydelserne; afsendelse via betalingsprocessoren (110) af en betalingsbemyndigelsesanmodningstekstmeddelelse til brugerens (102) mobiloperatør (112), hvori der anmodes om bemyndigelse til betaling afbetalingsanmodningen; modtagelse via mobiloperatøren (112) af betalingsbemyndigelses-tekstmeddelelsen fra betalingsprocessoren (110), kontrol via mobiloperatøren (112) af brugerens mobiltelefonnummer og kontrol via mobiloperatøren (112) af mobiltelefonkontoens saldo; afsendelse via mobiloperatøren (112) afen tekstmeddelelse til brugeren (102) på dennes mobilnummer, hvori der anmodes om et svar fra brugeren (102) om godkendelse af træk på mobiltelefonkontoen ved anvendelse af et personligt identifikationsnummer, såfremt mobiltelefonnummeret er blevet kontrolleret med succes og mobiltelefonkontoens saldo er tilstrækkelig til at betale for varerne eller tjenesteydelserne (105); afsendelse via brugerens (102) mobiltelefon af en betalingsbemyndigelsestekstmeddelelse, der indbefatter det personlige identifikationsnummer forbundet med brugerens mobiltelefonnummer, til mobiloperatøren (112) med henblik på bekræftelse; modtagelse og bekræftelse via mobiloperatøren (112) af brugerens personlige identifikationsnummer og træk på mobiltelefonkontoen af beløbet til betaling til den erhvervsdrivende (104) for varerne eller tjenesteydelserne (105); og afsendelse via mobiloperatøren (112) af en godkendelse til betalingsprocessoren (110), hvorved der skabes en betalingsforpligtelse i henhold til de vilkår, der er aftalt mellem brugeren (102) og den erhvervsdrivende (104); hvor modtagelse (110) via mobiloperatøren (112) af betalingsbemyndigelsestekstmeddelelsen fra brugerens mobiltelefon bemyndiger eller ikke bemyndiger betalingen af betalingsanmodningen; hvis betalingsbemyndigelses-tekstmeddelelsen fra brugerens (102) mobiltelefon bemyndiger betalingen af betalingsanmodningen, direkte betaling af den erhvervsdrivende via betalingsprocessoren (110) på vegne af brugeren (102) for varerne eller tjenesteydelserne og debitering af brugerens (102) mobiltelefonkonto med betalingen; hvis betalingsbemyndigelses-tekstmeddelelsen fra brugerens (102) mobiltelefon ikke bemyndiger betalingen af betalingsanmodningen, eller hvis betalingsbemyndigelsestekstmeddelelsen ikke modtages inden for et forudbestemt tidsrum, afvisning af betaling af den erhvervsdrivende (104) via betalingsprocessoren (110) for varerne eller tjenesteydelserne (105); og brugerens (102) personlige identifikationsnummer formidles ikke til betalingsprocessoren.
6. Fremgangsmåde ifølge krav 5, der endvidere omfatter, at der i betalingsbemyndigelses-tekstmeddelelsen fra brugerens (102) mobiltelefon inkluderes en personlig identifikationskode, der er unik for brugeren (102).
7. Fremgangsmåde ifølge krav 5 eller 6, hvor, efter modtagelse af godkendelsen fra brugerens (102) mobiloperatør, der bemyndiger betalingen, der endvidere omfatter at gøre det muligt via betalingsprocessoren (110) for brugerens (102) mobiltelefon at modtage en kvittering for betalingen af de bestilte varer eller tjenesteydelser (105) fra den erhvervsdrivende (104), indbefattende afsendelsesinformationer, reklamemeddelelser og/eller kuponer.
8. Fremgangsmåde ifølge et hvilket som helst af kravene 5 til 7, der endvidere omfatter forhøjelse af saldoen på brugerens (102) mobiltelefonkonto tilstrækkeligt til betaling af varer eller tjenesteydelser (105) fra den erhvervsdrivende (104).
9. Computerprogramprodukt til behandling af betalinger for varer eller tjenesteydelser (105) og som indbefatter én eller flere computerlæsbare instruktioner indlejret i et computerlæsbart medium og er konfigureret til at bevirke, at én eller flere computerprocessorer udfører følgende trin: modtagelse via en betalingsprocessor (110) af en betalingsanmodning for varer eller tjenesteydelser (105) fra en erhvervsdrivende (104); hvor betalingsanmodningen indbefatter en brugers (102) mobiltelefonnummer; hvor en brugers (102) mobiloperatør (112) betaler den erhvervsdrivende (104) via betalingsprocessoren (110); hvor brugerens mobiltelefonnummer og en mobiltelefonkonto deponeres hos mobiloperatøren (112); hvor mobiltelefonkontoen indbefatter en saldo for betaling af varerne eller tjenesteydelserne; afsendelse via betalingsprocessoren (110) af en betalingsbemyndigelsesanmodningstekstmeddelelse til brugerens (102) mobiloperatør (112), hvori der anmodes om bemyndigelse til betaling afbetalingsanmodningen; modtagelse via mobiloperatøren (112) af betalingsbemyndigelses-tekstmeddelelsen fra betalingsprocessoren (110), kontrol via mobiloperatøren (112) af brugerens mobiltelefonnummer og kontrol via mobiloperatøren (112) af mobiltelefonkontoens saldo; afsendelse via mobiloperatøren (112) afen tekstmeddelelse til brugeren (102) på dennes mobilnummer, hvori der anmodes om et svar fra brugeren (102) for godkendelse ved anvendelse af et personligt identifikationsnummer, såfremt mobiltelefonnummeret er blevet kontrolleret med succes og mobiltelefonkontoens saldo er tilstrækkelig til at betale for varerne eller tjenesteydelserne (105); afsendelse via brugerens (102) mobiltelefon af en betalingsbemyndigelsestekstmeddelelse, der indbefatter det personlige identifikationsnummer forbundet med brugerens mobiltelefonnummer, til mobiloperatøren (112) med henblik på bekræftelse; modtagelse og bekræftelse af brugerens (102) personlige identifikationsnummer via mobiloperatøren (112) og træk på mobiltelefonkontoen af beløb til betaling til den erhvervsdrivende (104) for varerne eller tjenesteydelserne (105); og afsendelse via mobiloperatøren (112) afen godkendelse til betalingsprocessoren (110), hvorved der skabes en betalingsforpligtelse i henhold til de vilkår, der er aftalt mellem brugeren (102) og den erhvervsdrivende (104); hvor modtagelse (110) via mobiloperatøren (112) af betalingsbemyndigelsestekstmeddelelsen fra brugerens mobiltelefon bemyndiger eller ikke bemyndiger betalingen af betalingsanmodningen; hvis betalingsbemyndigelses-tekstmeddelelsen fra brugerens (102) mobiltelefon bemyndiger betalingen af betalingsanmodningen, direkte betaling til den erhvervsdrivende via betalingsprocessoren (110) på vegne af brugeren (102) for varerne eller tjenesteydelserne og debitering af brugerens (102) mobiltelefonkonto med betalingen; hvis betalingsbemyndigelses-tekstmeddelelsen fra brugerens (102) mobiltelefon ikke bemyndiger betalingen af betalingsanmodningen eller hvis betalingsbemyndigelsestekstmeddelelsen ikke modtages inden for et forudbestemt tidsrum, afvisning af betaling af den erhvervsdrivende (104) via betalingsprocessoren (110) for varerne eller tjenesteydelserne (105); og brugerens (102) personlige identifikationsnummer formidles ikke til betalingsprocessoren (110).
10. Computerprogramprodukt ifølge krav 9, der endvidere omfatter, at der i betalingsbemyndigelses-tekstmeddelelsen fra brugerens (102) mobiltelefon inkluderes en personlig identifikationskode, der er unik for brugeren (102).
11. Computerprogramprodukt ifølge krav 9 eller 10, hvor efter modtagelse af godkendelsen fra brugerens (102) mobiloperatør, der bemyndiger betalingen, der endvidere omfatter via betalingsprocessoren (110), at gøre det muligt for brugerens (102) mobiltelefon at modtage en kvittering for betalingen af de bestilte varer eller tjenesteydelser (105) fra den erhvervsdrivende (104), indbefattende afsendelsesinformationer, reklamemeddelelser og/eller kuponer.
12. Computerprogramprodukt ifølge et hvilket som helst af kravene 9 til 11, der endvidere omfatter forhøjelse af brugerens (102) mobiltelefonkonto til at indbefatte en saldo for betaling af varer eller tjenesteydelser (105) fra en erhvervsdrivende (104).
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