MA33353B1 - Procédé d'autorisation d'une transaction au moyen d'un téléphone mobile - Google Patents

Procédé d'autorisation d'une transaction au moyen d'un téléphone mobile

Info

Publication number
MA33353B1
MA33353B1 MA34438A MA34438A MA33353B1 MA 33353 B1 MA33353 B1 MA 33353B1 MA 34438 A MA34438 A MA 34438A MA 34438 A MA34438 A MA 34438A MA 33353 B1 MA33353 B1 MA 33353B1
Authority
MA
Morocco
Prior art keywords
transaction
user
parameters
authorization
necessary
Prior art date
Application number
MA34438A
Other languages
Arabic (ar)
English (en)
Inventor
Henryk Kulakowski
Original Assignee
Henryk Kulakowski
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
Priority claimed from PL388012A external-priority patent/PL388012A1/pl
Application filed by Henryk Kulakowski filed Critical Henryk Kulakowski
Publication of MA33353B1 publication Critical patent/MA33353B1/fr

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
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network 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
    • G06Q20/38—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
    • G06Q20/401—Transaction verification
    • 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
    • G06Q20/08—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
    • G06Q20/22—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
    • G06Q20/32—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]
    • 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
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
    • 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
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]
    • G06Q30/0613—Electronic shopping [e-shopping] using intermediate agents
    • 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • 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
    • H04L63/10—Network architectures or network communication protocols for network security for controlling access to devices or network resources
    • H04L63/102—Entity profiles
    • 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
    • H04L63/18—Network architectures or network communication protocols for network security using different networks or channels, e.g. using out of band channels
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W12/00—Security arrangements; Authentication; Protecting privacy or anonymity
    • H04W12/06—Authentication
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
    • H04W4/12—Messaging; Mailboxes; Announcements
    • H04W4/14—Short messaging services, e.g. short message services [SMS] or unstructured supplementary service data [USSD]
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
    • H04W4/20—Services signaling; Auxiliary data signalling, i.e. transmitting data via a non-traffic channel

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • Theoretical Computer Science (AREA)
  • General Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Physics & Mathematics (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Signal Processing (AREA)
  • Computer Security & Cryptography (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • General Engineering & Computer Science (AREA)
  • Computing Systems (AREA)
  • Computer Hardware Design (AREA)
  • Technology Law (AREA)
  • Telephonic Communication Services (AREA)
  • Mobile Radio Communication Systems (AREA)

Abstract

L'INVENTION CONCERNE UN PROCÉDÉ D'AUTORISATION D'UNE TRANSACTION AU MOYEN D'UN TÉLÉPHONE MOBILE. LE PROCÉDÉ CONSISTE À: RECEVOIR (102, 202) D'UN UTILISATEUR (UR), PAR UN SERVEUR DE COMMUNICATION (CS), UNE DEMANDE D'ÉTABLISSEMENT DE COMMUNICATION VOCALE AVEC UN NUMÉRO DE TÉLÉPHONE QUI IDENTIFIE UNE TRANSACTION; AUTORISER LA TRANSACTION EN VÉRIFIANT (112, 206) LA PREUVE D'IDENTITÉ DE L'UTILISATEUR (UR); ACCEPTER (106, 214) OU REJETER (108, 216) LA COMMUNICATION VOCALE SELON QUE L'AUTORISATION DE TRANSACTION DOIT ÊTRE ACHEMINÉE VOCALEMENT OU PAR USSD; ENVOYER À L'UTILISATEUR (UR) UNE REQUÊTE LUI DEMANDANT D'ENTRER DES PARAMÈTRES DE TRANSACTION NÉCESSAIRES; ENTRER (118, 222) LES PARAMÈTRES DE TRANSACTION DEMANDÉS; VÉRIFIER (120, 224), AU MOYEN DU SYSTÈME D'AUTORISATION (AS), LA VALIDITÉ DES PARAMÈTRES ENTRÉS; DÉTERMINER (122, 226) SI L'UTILISATEUR (UR) A ENTRÉ TOUS LES PARAMÈTRES DE TRANSACTION NÉCESSAIRES, Y COMPRIS SON AUTORISATION DE FINANCER LA TRANSACTION ET, DE PRÉFÉRENCE, UN MOT DE PASSE AUTORISANT LA TRANSACTION; ACCEPTER LE FINANCEMENT DE LA TRANSACTION PAR LA PARTIE QUI EN A LA CHARGE (124, 228), ET, SI LE MONTANT EST ACCEPTÉ, ENVOYER UN MESSAGE AVEC INSTRUCTION DE MOBILISER DES FONDS SUFFISANTS (126, 230) DANS LE COMPTE DE LA PARTIE CHARGÉE DE FINANCER LA TRANSACTION EN VUE DE CONCLURE CETTE DERNIÈRE; DÉTERMINER (128, 232) SI LE SYSTÈME D'AUTORISATION (AS) A REÇU TOUS LES PARAMÈTRES DE TRANSACTION NÉCESSAIRES; ENREGISTRER (130, 234) LA TRANSACTION POUR TRAITEMENT ULTÉRIEUR OU LA TRANSMETTRE (132, 236) POUR RÈGLEMENT.
MA34438A 2009-05-12 2010-05-12 Procédé d'autorisation d'une transaction au moyen d'un téléphone mobile MA33353B1 (fr)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
PL388012A PL388012A1 (pl) 2009-05-12 2009-05-12 Sposób świadczenia usług w sieci telekomunikacyjnej
PCT/PL2010/000034 WO2010131988A1 (fr) 2009-05-12 2010-05-12 Procédé d'autorisation d'une transaction au moyen d'un téléphone mobile
PL39120310 2010-05-12

Publications (1)

Publication Number Publication Date
MA33353B1 true MA33353B1 (fr) 2012-06-01

Family

ID=43085205

Family Applications (1)

Application Number Title Priority Date Filing Date
MA34438A MA33353B1 (fr) 2009-05-12 2010-05-12 Procédé d'autorisation d'une transaction au moyen d'un téléphone mobile

Country Status (18)

Country Link
US (1) US8965789B2 (fr)
EP (1) EP2430599A1 (fr)
KR (1) KR20120029422A (fr)
CN (1) CN102422318A (fr)
AP (1) AP3394A (fr)
AU (1) AU2010248168A1 (fr)
CA (1) CA2761743A1 (fr)
CL (1) CL2011002800A1 (fr)
CO (1) CO6470885A2 (fr)
CU (1) CU20110211A7 (fr)
EA (1) EA201190290A1 (fr)
MA (1) MA33353B1 (fr)
MX (1) MX2011011966A (fr)
MY (1) MY155596A (fr)
NZ (1) NZ597011A (fr)
TR (1) TR201111170T1 (fr)
WO (1) WO2010131988A1 (fr)
ZA (1) ZA201109145B (fr)

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US9830582B1 (en) 2007-08-18 2017-11-28 Expensify, Inc. System, computer readable medium, and method for authorizing purchase using on-demand prepaid card
US10068225B2 (en) 2007-08-18 2018-09-04 Espensify, Inc. System and method for utilizing a universal prepaid card
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US20130144738A1 (en) * 2011-12-01 2013-06-06 Spenzi, Inc. Gifting and Sharing Using SMS Messages for Shared Coupon/Gift-Card Auto-Redemption and Multi-Source Payment from Buyer's Mobile Phone
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US8639621B1 (en) * 2012-04-25 2014-01-28 Wells Fargo Bank, N.A. System and method for a mobile wallet
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Also Published As

Publication number Publication date
CN102422318A (zh) 2012-04-18
AU2010248168A1 (en) 2011-12-15
CU20110211A7 (es) 2012-06-29
MX2011011966A (es) 2012-07-04
US8965789B2 (en) 2015-02-24
US20120078737A1 (en) 2012-03-29
AP3394A (en) 2015-08-31
CO6470885A2 (es) 2012-06-29
MY155596A (en) 2015-11-13
ZA201109145B (en) 2012-10-31
WO2010131988A1 (fr) 2010-11-18
KR20120029422A (ko) 2012-03-26
CA2761743A1 (fr) 2010-11-18
NZ597011A (en) 2014-01-31
CL2011002800A1 (es) 2012-06-29
TR201111170T1 (tr) 2012-03-21
EA201190290A1 (ru) 2012-09-28
EP2430599A1 (fr) 2012-03-21
AP2011005985A0 (en) 2011-12-31

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