WO2009014502A3 - Procédé et système pour le paiement simple et sûr au moyen d'un terminal mobile - Google Patents

Procédé et système pour le paiement simple et sûr au moyen d'un terminal mobile Download PDF

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Publication number
WO2009014502A3
WO2009014502A3 PCT/SI2008/000043 SI2008000043W WO2009014502A3 WO 2009014502 A3 WO2009014502 A3 WO 2009014502A3 SI 2008000043 W SI2008000043 W SI 2008000043W WO 2009014502 A3 WO2009014502 A3 WO 2009014502A3
Authority
WO
WIPO (PCT)
Prior art keywords
payment
buyer
sends
mobile terminal
warrant
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/SI2008/000043
Other languages
English (en)
Other versions
WO2009014502A2 (fr
Inventor
Andrej Komelj
Matjaz Cadez
Peter Kuhar
Marko Sega
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.)
Halcom dd
Original Assignee
Halcom dd
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 Halcom dd filed Critical Halcom dd
Priority to EP08779508A priority Critical patent/EP2171661A2/fr
Publication of WO2009014502A2 publication Critical patent/WO2009014502A2/fr
Publication of WO2009014502A3 publication Critical patent/WO2009014502A3/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
    • G06Q20/40—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
    • 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
    • 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
    • G06Q20/14—Payment architectures specially adapted for billing 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
    • G06Q20/30—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
    • 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
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3825—Use of electronic signatures

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)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Computer Security & Cryptography (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

L'invention a pour objet un système pour le paiement simple et sûr au moyen d'un terminal mobile, qui permet à l'utilisateur d'un téléphone mobile (même complètement ordinaire) ou d'un terminal mobile similaire qui peut recevoir et envoyer des messages standardisés (SMS, MMS, USSD et analogue) d'autoriser et d'effectuer le paiement d'un crédit au fournisseur de biens ou de services. L'objet de l'invention permet un paiement simple au moyen d'un terminal mobile, dont la réalisation permet l'exécution du processus dans lequel le vendeur envoie (étape 1) à l'acheteur (payeur), sur son téléphone mobile, un extrait de la facture originale (m-facture) qui comprend au moins le certificat d'accréditation et le montant total à payer, ainsi que certaines autres données comme la date de l'opération et l'objet afin que l'acheteur reconnaisse aisément le paiement. L'acheteur signe ensuite numériquement le justificatif de paiement correspondant avec sa clé privée qui est stockée sur la carte SIM et envoie le justificatif de paiement signé (m-paiement) au prestataire de services de paiement chez qui son compte est ouvert. Ce compte est indiqué dans le justificatif de paiement (étape 2). Après l'exécution du paiement, le prestataire de services de paiement (habituellement la banque) envoie un certificat à l'acheteur (étape 3a) et envoie au vendeur (étape 3b) un certificat établissant que la transaction a bien été effectuée.
PCT/SI2008/000043 2007-07-23 2008-07-21 Procédé et système pour le paiement simple et sûr au moyen d'un terminal mobile Ceased WO2009014502A2 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
EP08779508A EP2171661A2 (fr) 2007-07-23 2008-07-21 Procédé et système pour le paiement simple et sûr au moyen d'un terminal mobile

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
SI200700188A SI22595A (sl) 2007-07-23 2007-07-23 Postopek in sistem za varno in enostavno plaäśevanje z mobilnim terminalom
SIP-200700188 2007-07-23

Publications (2)

Publication Number Publication Date
WO2009014502A2 WO2009014502A2 (fr) 2009-01-29
WO2009014502A3 true WO2009014502A3 (fr) 2009-04-30

Family

ID=40282006

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/SI2008/000043 Ceased WO2009014502A2 (fr) 2007-07-23 2008-07-21 Procédé et système pour le paiement simple et sûr au moyen d'un terminal mobile

Country Status (3)

Country Link
EP (1) EP2171661A2 (fr)
SI (1) SI22595A (fr)
WO (1) WO2009014502A2 (fr)

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US9054408B2 (en) 2008-08-29 2015-06-09 Logomotion, S.R.O. Removable card for a contactless communication, its utilization and the method of production
US9098845B2 (en) 2008-09-19 2015-08-04 Logomotion, S.R.O. Process of selling in electronic shop accessible from the mobile communication device

Families Citing this family (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
SK50042008A3 (sk) 2008-01-04 2009-09-07 Logomotion, S. R. O. Spôsob a systém autentifikácie najmä pri platbách, identifikátor totožnosti a/alebo súhlasu
SK288721B6 (sk) 2008-03-25 2020-01-07 Smk Kk Spôsob, zapojenie a nosič na vykonávanie opakovaných operácií na klávesnici mobilného komunikačného zariadenia
SK288747B6 (sk) 2009-04-24 2020-04-02 Smk Kk Spôsob a systém bezhotovostnej platobnej transakcie, najmä s použitím bezkontaktného platobného prostriedku
SK50862008A3 (sk) 2008-09-19 2010-06-07 Logomotion, S. R. O. Systém na elektronické platobné aplikácie a spôsob autorizácie platby
SK288641B6 (sk) 2008-10-15 2019-02-04 Smk Corporation Spôsob komunikácie s POS terminálom, frekvenčný konventor k POS terminálu
KR101789113B1 (ko) 2009-05-03 2017-10-23 에스에무케이 가부시키가이샤 휴대폰과 같은 이동 통신 디바이스를 이용하는 지불 단말기；자동 이체 지불 트랜잭션의 방법
WO2010140876A1 (fr) * 2009-06-01 2010-12-09 Bemobile Sdn. Bhd. Procede, systeme et serveur securise d'authentification multifactorielle de transaction
CN103260503B (zh) * 2010-12-08 2015-05-13 欧姆龙健康医疗事业株式会社 血压信息测定装置

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1997045814A1 (fr) * 1996-05-24 1997-12-04 Behruz Vazvan Procede et systeme en temps reel servant a effectuer des transactions a distance de paiement de factures et d'achats et a transferer de la monnaie electronique et d'autres donnees
US20030089767A1 (en) * 2000-10-31 2003-05-15 Hisanori Kiyomatsu Commodity transacting device, mobile communication device, administration device, and commodity transacting system
WO2006001723A1 (fr) * 2004-06-25 2006-01-05 Arthur Koziol Terminal de point de vente et modalites de paiement via un reseau telephonique cellulaire gsm (ou autre reseau, par exemple reseau umts)

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1997045814A1 (fr) * 1996-05-24 1997-12-04 Behruz Vazvan Procede et systeme en temps reel servant a effectuer des transactions a distance de paiement de factures et d'achats et a transferer de la monnaie electronique et d'autres donnees
US20030089767A1 (en) * 2000-10-31 2003-05-15 Hisanori Kiyomatsu Commodity transacting device, mobile communication device, administration device, and commodity transacting system
WO2006001723A1 (fr) * 2004-06-25 2006-01-05 Arthur Koziol Terminal de point de vente et modalites de paiement via un reseau telephonique cellulaire gsm (ou autre reseau, par exemple reseau umts)

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US9054408B2 (en) 2008-08-29 2015-06-09 Logomotion, S.R.O. Removable card for a contactless communication, its utilization and the method of production
US9098845B2 (en) 2008-09-19 2015-08-04 Logomotion, S.R.O. Process of selling in electronic shop accessible from the mobile communication device

Also Published As

Publication number Publication date
EP2171661A2 (fr) 2010-04-07
WO2009014502A2 (fr) 2009-01-29
SI22595A (sl) 2009-02-28

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