WO2009142833A1 - Réception des fonds d'un fournisseur par voie électronique - Google Patents

Réception des fonds d'un fournisseur par voie électronique Download PDF

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Publication number
WO2009142833A1
WO2009142833A1 PCT/US2009/039723 US2009039723W WO2009142833A1 WO 2009142833 A1 WO2009142833 A1 WO 2009142833A1 US 2009039723 W US2009039723 W US 2009039723W WO 2009142833 A1 WO2009142833 A1 WO 2009142833A1
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WO
WIPO (PCT)
Prior art keywords
customer
telephone
supplier
database
mobile cellular
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/US2009/039723
Other languages
English (en)
Inventor
Glyn Smith
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.)
Boku Inc
Original Assignee
Boku Inc
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 GBGB0809386.6A external-priority patent/GB0809386D0/en
Priority claimed from GBGB0809381.7A external-priority patent/GB0809381D0/en
Priority claimed from GBGB0809382.5A external-priority patent/GB0809382D0/en
Priority claimed from GBGB0809383.3A external-priority patent/GB0809383D0/en
Application filed by Boku Inc filed Critical Boku Inc
Priority to AU2009249523A priority Critical patent/AU2009249523B2/en
Priority to EP09751063A priority patent/EP2300978A4/fr
Priority to CA2725312A priority patent/CA2725312A1/fr
Publication of WO2009142833A1 publication Critical patent/WO2009142833A1/fr
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

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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
    • G06Q20/30—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
    • G06Q20/08—Payment architectures
    • G06Q20/16—Payments settled via telecommunication systems

Definitions

  • At least some embodiments of the disclosure relate to apparatuses to facilitate the reception of funds at a supplier electronically.
  • a problem with effecting transfers using mobile telephone technology is that charges for using the service tend to be grouped together with other mobile telephony charges, and therefore a user may be persuaded to revert back to using a credit card so as to identify these charges separately.
  • a system for the electronic transfer of funds from a customer to a supplier including: a customer browser component connected to a network; a supplier browser component connected to the network; a server component connected to the network and having a database component; a mobile cellular telephone with a telephone number operable by the customer; a mobile cellular operator providing mobile cellular services to the mobile cellular telephone; wherein: the server is configured to transmit a plurality of premium rate mobile terminating text messages to the mobile cellular telephone to effect a payment from the customer to the supplier after the customer has placed an order with the supplier; the server component is configured to populate the database with an identification of each customer's telephone number; the server component is configured to prompt customers to supply additional personal data; and upon receiving additional personal data, the server component is configured to populate the database with the additional personal data.
  • the server component is configured to prompt customers to supply additional personal data by issuing an additional text message.
  • a method of transferring funds electronically including: transmitting a plurality of premium rate mobile terminating text messages from a server to a mobile cellular telephone to effect payment from the customer to a supplier after the customer has placed an order with the supplier via a network connected browser; populating a database at the server with an identification of each customer's telephone number; prompting customers to supply additional personal data; and upon receiving the additional personal data, populating the database with the additional personal data.
  • a system for the electronic transfer of funds from a customer to a supplier including: a customer browser component connected to a network; a supplier browser component connected to the network; a server component connected to the network and having a database component; a mobile cellular telephone with a telephone number operable by the customer; a mobile cellular operator providing mobile cellular services to the mobile cellular telephone; wherein: the server component is configured to transmit a plurality of premium rate mobile terminating text messages to the mobile cellular telephone to effect a payment from the customer to the supplier after a customer has placed an order with a supplier; the server component is configured to populate the database with an identification of each the customer's telephone number; the server component is configured to populate the database with respect to each transaction implemented by the transmission of the premium rate text messages; and the server is configured to facilitate the accessing of transaction records for a requesting customer by receiving details of the customer's telephone number.
  • the server is configured to facilitate the accessing of transaction records from a requesting customer only after the customer has supplied personal details and become a registered user.
  • a method for providing customer to supplier funds transfer including: transmitting a plurality of premium rate mobile terminating text messages to a mobile cellular telephone to effect a payment from a customer to a supplier after the customer has placed an order with the supplier; populating a database at the server with an indication of each customer's telephone number; populating the database with respect to each transaction implemented by the transmission of the premium rate text messages; and facilitating the accessing of transmission records from a requesting customer by receiving details of the customer's telephone number.
  • apparatus for the electronic transfer of funds from a customer to a supplier including: a plurality of customer browser components connected to a network; a plurality of supplier browser components connected to the network; a server component connected to the network and having a database component; a respective mobile cellular telephone with a telephone number operable by each of the plurality of customers; and at least one mobile cellular operator configured to provide mobile cellular services to the mobile cellular telephones, where: the server component is configured to transmit a plurality of premium rate mobile terminating text messages to the mobile cellular telephone; the server component is configured to populate the database with an identification of each customer's telephone number; the server component is configured to receive a classification of the nature of products/services sold by each supplier; the server component is configured to populate the database component with a table associating suppliers with their respective classifications; the database includes an identification of classifications for each telephone number; and the server allows or prohibits the transmission of the text messages to effect payment in dependence upon the identification of stored classifications for the
  • apparatus for the reception of funds at a supplier electronically including: a customer browser component connected to a network; a supplier browser component connected to the network; a server component connected to the network and having a database component; a first mobile cellular telephone operable by the customer and having a first telephone number; a mobile cellular operator providing mobile cellular services for the mobile cellular telephone.
  • the server component is configured to transmit a plurality of premium rate mobile terminating text messages to the mobile cellular telephone to effect the transfer of funds for reception by the supplier, from the customer after the customer has placed an order with the supplier; and the server component is configured to transmit a notification message to a second mobile cellular telephone having a second telephone number confirming that the transfer of funds has taken place.
  • a method of receiving funds at a supplier electronically from a customer including: transmitting a plurality of premium rate mobile terminating messages to a mobile cellular telephone to effect the transfer of funds for reception by the supplier, from the customer after the customer has placed an order with the supplier; and transmitting a notification message to a second mobile cellular telephone confirming that the transfer of funds has taken place.
  • the disclosure includes methods and apparatuses which perform these methods, including data processing systems which perform these methods, and computer readable media containing instructions which when executed on data processing systems cause the systems to perform these methods.
  • Figure 1 shows a representation of the Internet.
  • Figure 2 shows components forming a preferred embodiment working within the environment of Figure 1 conducted within the environment of Figure 2.
  • Figure 3 shows procedures conducted within the environment of Figure 2.
  • Figure 4 shows an example of a browser.
  • Figure 5 details the visual display unit identified in Figure 4.
  • Figure 6 details graphical user interfaces displayed by the visual display unit identified in Figure 5.
  • Figure 7 shows procedures implemented by a service server.
  • Figure 8 details procedures for confirming a payment identified in Figure 7.
  • Figure 9 details procedures for the allocation of messages identified in Figure 7.
  • Figure 10 shows an example of a constraints file of the type identified in Figure
  • Figure 11 shows various use types.
  • Figure 12 shows an environment substantially similar to that of Figure 2, implementing one embodiment.
  • Figure 13 shows an example of an invitation of the type identified in Figure 12.
  • Figure 14 shows a graphical user interface for receiving information.
  • Figure 15 shows a database table for recording information.
  • Figure 16 shows the generation of a report.
  • Figure 17 details a table in database 208.
  • Figure 18 shows an example of procedures for the transfer of information.
  • Figure 19 illustrates the transfer of information to a user's browser.
  • Figure 20 shows the display of information at a user's mobile cellular telephone.
  • Figure 21 shows procedures performed in accordance with a preferred embodiment.
  • Figure 22 shows a table of classifications.
  • Figure 23 shows a graphical user interface for receiving information from a seller.
  • Figure 24 illustrates a table within database 208.
  • Figure 25 shows procedures for recording parental blocks.
  • Figure 26 shows another table within the database.
  • Figure 27 illustrates a preferred method.
  • Figure 28 illustrates a message displayed to a user when a transaction is blocked.
  • Figure 29 illustrates a preferred embodiment.
  • Figure 30 illustrates procedures for pairing a monitored telephone to a supervisor telephone.
  • Figure 31 illustrates a screen displayed after issuing a command to pair the monitored telephone to a supervisor telephone.
  • Figure 32 illustrates a text message received on a supervisor's mobile cellular telephone to confirm that the monitored mobile cellular telephone has made a payment.
  • FIG. 1 A representation of the Internet 101 is illustrated in Figure 1 in which potential customers are provided with customer browsers 101 to 108 and a plurality of suppliers are provided with supplier browsers 111 to 115.
  • the environment therefore allows customers to place orders with suppliers for the delivery of products and/or services and for the customers to transfer funds to the suppliers in order to effect payment for the goods and/or services.
  • Figure 2 shows components forming a preferred embodiment working within the environment of Figure 1 conducted within the environment of Figure 2.
  • a preferred aspect of one embodiment provides an apparatus for the electronic transfer of funds from a customer to a supplier as illustrated in Figure 2.
  • a customer browser component 102 is connected to the Internet 101 and a supplier server component 111 is also connected to the Internet.
  • a service server component 201 is connected to the Internet 101 and a mobile cellular telephone 202 is operable by the customer, that is to say, the same customer who is using browser 102.
  • a mobile cellular operator 203 provides mobile cellular services to the mobile cellular telephone 202.
  • the service server component 201 is configured to transmit a plurality of premium rate mobile terminating text messages 204 to the mobile cellular telephone to effect a payment from the customer (at 102) to the supplier (at 111) after the customer has placed an order with the supplier.
  • the mobile terminating premium rate messages are included in telephone bills received by the mobile telephone owner, resulting in payment 210 being made to the mobile operator 203. Thereafter, the mobile operator 203 effects the appropriate transfer 211 to the supplier 111. The supplier 111 has now received funds and is therefore prompted to perform delivery 212 of the purchased product or service.
  • FIG. 3 Procedures conducted within the environment of Figure 2 are detailed in Figure 3, in the form of a telecommunications protocol diagram.
  • the diagram of Figure 3 includes the browser 102, the cellular telephone 202, the supplier server 111 and the service server 201.
  • the browser issues a signal 301 to request a page to be supplied from the supplier server 111.
  • a page of data 302 is returned to the browser 102, resulting in a page being displayed to the customer at the browser 102.
  • a request 303 for an order is conveyed to the supplier server 111.
  • the product server 111 makes an invitation 304 for a payment to be made.
  • the browser makes an instruction 305 in order to effect the payment.
  • payment is made by issuing premium rate text messages to the mobile telephone.
  • the supplier server 111 issues an instruction 306 to the service server 201.
  • the service server 201 issues a request 307 to the mobile cellular telephone 202 for a confirmation to the effect that the payment is to be made.
  • it is necessary to enter a telephone number and it is also necessary for the purchaser to be in possession of the mobile telephone so that the purchaser may effect that confirmation.
  • the mobile cellular telephone therefore issues a confirmation 308 back to the service server 201 (via the cellular telephone network) to the effect that the purchase has been confirmed.
  • the service server Upon receiving the request confirmation 308, the service server schedules and issues a plurality of premium rate mobile terminating text messages 309. Thereafter, the product, virtual product or service is sent from the supplier to the purchaser, as illustrated by arrow 310.
  • FIG. 4 An example of a browser 201 is illustrated in Figure 4, in which a visual display unit 401 is provided to allow web pages to be displayed.
  • user input is facilitated by a keyboard 402 and a mouse 403.
  • the applicant has become aware that browser environments are particularly attractive for displaying catalogues of goods and receiving orders for goods.
  • problems arise in terms of effecting payment over the Internet due to security concerns.
  • the mobile telephone system described herein thereby provides an alternative mechanism for payment.
  • FIG. 4 details the visual display unit 401 identified in Figure 4.
  • the visual display unit 401 in Figure 5 shows an image relevant for initiating the process of making a payment.
  • Display 501 includes a field 502 in which the current price is displayed.
  • the user is then prompted to identify a means of payment, which in this example shows a credit card link 503, a debit card link 504 and the mobile telephone account link 505.
  • a means of payment which in this example shows a credit card link 503, a debit card link 504 and the mobile telephone account link 505.
  • Figure 6 details graphical user interfaces displayed by the visual display unit identified in Figure 5.
  • screen 601 is displayed, that also includes a field 602 identifying the required payment. Having clicked through for this type of payment, it is possible that the total payment figure may have increased so as to include an additional charge for effecting payment via the mobile cellular telephone network. Thus, assuming a user wishes to continue, the user is invited to enter their cellular telephone number in a field 603 and the user may be asked to confirm this number in a further field 604. After confirming the payment, a further screen 605 may be displayed, subject to the particular implementation of the application. [0075] Screen 605 includes a field 606 again identifying the total payment. The screen then continues to say that this amount will be deducted from the telephone account and a user is invited to accept the transaction by clicking button 607 or declining the transaction by clicking cancel button 608.
  • Procedures implemented by the service server 201 are identified in Figure 7.
  • the service server provides for the operating of a payment via the Internet in which details are received, of a transaction, from a product server 111 identifying a price to be paid by the customer. Details of the customer's mobile telephone are received at the service server and thereafter a plurality of premium rate text messages are transmitted to the mobile telephone to effect that payment.
  • the service server 201 seeks confirmation from the mobile cellular telephone in operation 701 to the effect that payment is to be made.
  • Figure 8 details procedures for confirming a payment identified in Figure 7.
  • the confirmation of the payment creates a mobile originating message.
  • This message may incur a modest charge for transmission over the mobile network.
  • a dedicated mobile telephone is shown.
  • the mobile telephone designation also includes other devices with mobile telephony functionality.
  • Figure 9 details procedures for the allocation of messages identified in Figure 7.
  • Procedure 702 for the allocation of messages is illustrated in Figure 9.
  • a file 902 of data is read that identifies appropriate local constraints for the transaction. Alternatively, these details may be supplied from an appropriately configured database.
  • the local constraints are relevant for the particular country in which the financial transaction is taking place, including appropriate currency for the transaction and other regulations relating to the use of premium rate messages.
  • the constraints contained within file 902 identify the specific examples of premium rate messages that may be deployed, along with a level of payment that is associated with each of these messages.
  • the constraints also specify maximum transaction values, usually restricting the total level of transactions that may occur during a day and often also identifying a maximum level of transactions that may take place over a month, given that many customers are billed on a monthly basis.
  • an operator may specify that total transactions for a day must not exceed 30 dollars and total transactions for the month must not exceed 400 dollars.
  • constraints are applied across an operator's network and are not allocated on a customer-by-customer basis.
  • the total value of the transaction is divided into a plurality of messages such that in combination, the value of the messages adds up to the total value of the transaction.
  • an allocation is made over a number of days. Again, if either total transactions or monthly transactions exceed the total transactions allowed, the actual transmissions must take place over a number of days, with a plurality of messages being allocated for each individual day within the batch.
  • Figure 10 shows an example of a constraints file 902 of the type identified in Figure 9. This defines a total transmission value for the day and a total transmission value for the month. In addition, it identifies valid premium rate message codes.
  • a code 861000 effects a charge of 50 cents, as shown at line 1002.
  • a code of 861100 effects a charge of 1 dollar and as illustrated at line 1003, a charge of 1.50 dollars is effected as a result of transmitting code 861110.
  • a code of 861111 results in a charge of 3 dollars and similarly a five dollar charge results from the transmission of code 861112.
  • FIG. 10 An example of a displayed field 802 is also shown in Figure 10 which, for the purposes of this illustration, indicates a charge of 25.50 dollars.
  • Figure 11 shows various use types.
  • the present preferred apparatus performs a method of transferring funds electronically in which a plurality of premium rate mobile text messages are transmitted from the server to a mobile cellular telephone to effect payment from the customer to the supplier after the customer has placed an order with a supplier via a network connected browser.
  • a database is populated at the server with an identification of each customer's telephone number. It is then possible for customers to make purchases via this mechanism in a nonregistered mode of operation. However, in accordance with a preferred aspect of one embodiment, the customer is prompted to supply additional personal data.
  • nonregistered use of the system is illustrated at 1101. After this nonregistered use, a question is asked at 1102 of a customer as to whether they wish to register their use of the system. Thus, when answered in the negative, further nonregistered use may occur at 1101.
  • transaction information may be transferred to suppliers and third parties.
  • Figure 12 shows an environment substantially similar to that of Figure 2, implementing one embodiment. Multiple premium rate mobile terminating text messages
  • the user also receives an invitation 215 to supply additional personal information.
  • Figure 13 shows an example of an invitation 215 of the type identified in Figure
  • Figure 14 shows a graphical user interface for receiving information.
  • personal information is received from the user via the user's browser
  • a first name is received at field 1402 and a family name is received at field 1403.
  • Further fields 1404 to 1407 are provided in the form of pull down boxes from which predefined selections can be made.
  • pull down box 1406 invites the user to identify a favorite entertainment and a similar pull down box at 1407 allows a favorite hobby to be identified within the field.
  • the user selects link 1401 and the information is transmitted over channel 215 to the database 208 within server 201.
  • Figure 15 shows a database table for recording information.
  • database 208 a table is created so as to record the information received from each user.
  • a unique identification is given for the user which is then recorded against the user's telephone number at column 1502. For nonregistered use, only columns 1501 and 1502 are populated.
  • Gender is recorded at 1505 (from entry 1404), with city, entertainment and hobbies being recorded at 1506, 1507 and 1508, in response to entries from 1405, 1406 and
  • Figure 16 shows the generation of a report. It is envisaged that personal data will be collected over a period of time and a plurality of tables may be included within a database of substantially similar configuration to that shown in Figure 15. Registered users are identified as such, and in a preferred embodiment the user is provided with a discount each time the service is used. As previously described with respect to Figure 10, the possibility of providing an additional charges for the service was described, and in a preferred embodiment this charge may be made against nonregistered users whereas registered users may be able to make use of the service for free. [00107] Similarly, suppliers, such as supplier 111, may be in a position to make use of the service effectively for free, but a charge may be required if they wish to obtain user transaction data, essentially for marketing purposes.
  • a supplier may receive transaction data relating to the specific transactions made with them.
  • average data may be of greater assistance such that specific telephone numbers are not required, whereupon it will be possible to provide a broader range of data, including data obtained from transactions relating to other suppliers.
  • FIG. 16 details a table in database 208, which includes a table for recording each financial transaction. Nonregistered use as indicated at 1101 and registered use as indicated at 1104 result in the table shown in Figure 17 being populated.
  • Table 1701 includes a first column 1702 for recording the identity of the user.
  • each user is given a unique number.
  • column 1703 The supplier from whom the user is purchasing product/service is identified in column 1703, followed by an indication of the product 1704.
  • Column 1705 records a net price and column 1706 records a discount from the net price. This discount represents a discount given for being a registered user and does not relate to any discounts given by the supplier themselves; these being included in the net price figure. Thus, thereafter, column
  • user 4781 has purchased product from supplier Smith, Jones and
  • Figure 18 shows an example of procedures for the transfer of information, as indicated in operation 1105.
  • operation 1801 information is transferred to a supplier over channel 209, for example. This may result in the supplier receiving customer related information such as that illustrated in Figure 16.
  • operation 1802 information is supplied to third parties. This information is aggregated and does not identify specific customers.
  • the third party does not necessarily make use of the service but it is possible for the third party to obtain this information for a price.
  • operation 1803 details of the user's transactions are transferred to the user's browser. Thus, in a preferred embodiment, it may be possible for registered users to obtain this information without additional charge.
  • operation 1804 the transfer of user information to a user's mobile cellular telephone is illustrated. This may be available without charge, or a predetermined number of transmissions per month may be available without charge, after which a charge will be made to the user.
  • Operation 1803 for the transfer of information to the user's browser results in data being displayed at the user's browser as shown in Figure 19.
  • User 4781 logs on to the appropriate website and supplies appropriate information to allow the log on procedure to be completed. Thus, for example, it is likely that a user would identify their telephone and a password. Thus, having entered this information, details of recent transactions are supplied to the user.
  • a statement takes the form of a table. This includes a first column 1901 for identifying the name of the supplier, a second table 1902 for identifying the product, a third table 1903 for identifying the net price and a fourth table 1904 for identifying the actual amount paid.
  • a user In response to the transfer of data to the user's mobile telephone, as identified in operation 1804, information is displayed on the mobile cellular telephone 202, as shown in Figure 20.
  • the information is shown in a table having a first column 2001 and a second column 2002.
  • column 2001 identifies the product I (P2, P4, P5 etc)
  • column 2002 shows the actual price paid AP2, AP4 and AP5 etc.
  • the mobile telephone display may also include a total, shown at 2003, which would be of particular use to users given that it would indicate how much they have spent in a particular month so as to assist them with budgeting.
  • Figure 21 shows procedures performed in accordance with a preferred embodiment.
  • the apparatus described provides for the electronic transfer of funds from a customer to a supplier.
  • a plurality of customer browser components are connected to a network and a plurality of supplier browser components are connected to the network.
  • a server component is connected to the network and the server has a database component.
  • a respective mobile cellular telephone with a telephone number is owned by each of the customers or users.
  • there is a mobile cellular operator configured to provide mobile cellular services to the mobile cellular telephones.
  • the server component is configured to transmit a plurality of premium rate mobile terminating text messages to the mobile cellular telephone.
  • the server component is configured to populate the database with an identification of each customer's telephone number.
  • the server component is also configured to receive a classification of the nature of products/services sold by each supplier and is also configured to populate the database component with a table associating suppliers with their respective classifications.
  • the database includes an identification of classifications for each of the telephone numbers and the server allows or prohibits the transmission of the text messages to effect payment dependent upon the identification of stored classifications for the requesting telephone number.
  • a record is made of parental blocks.
  • a parent to provide a mobile telephone to, for example, a 14 year old with an appropriate block being recorded such that the 14 year old may receive anything considered appropriate for anyone over 11 or over 13 but not over 15.
  • the purchase is completed which, in accordance with the preferred embodiment, includes a check to determine whether or not the purchase has been blocked.
  • a classification of 12 indicates that the material is suitable for anyone over 11.
  • a classification of 14 indicates that it is suitable for anyone over 13
  • a classification of 16 confirms that it is suitable for anyone over 15
  • a classification of 18 means that it is only appropriate for an adult.
  • a classification of 0 indicates that the material is not restricted in any way. Furthermore, in this embodiment, a classification of S is included showing that the product relates to a specialist activity. Specialist activity classifications allow subgroups to be defined in which additional requirements need to be met in order for the purchase to be allowed. For example, such a classification could be included for pharmaceuticals, firearms or even magic tricks.
  • Figure 23 shows a graphical user interface for receiving information from a seller.
  • a price is specified at field 2302 and in accordance with this preferred embodiment, a classification is provided at field 2303.
  • an independent check may be made of the classification.
  • Figure 24 illustrates a table within database 208.
  • each product is given a unique product identification number.
  • Each unique product may be given a product identification number, with the same identification number being used for the same product when sold by different sellers.
  • the product identification number may be unique for each product sold by each seller.
  • a table 2401 is shown in Figure 24 in which each product identification number is recorded in a column 2402 with its appropriate classification, as supplied by the seller using field 2303, being recorded in column 2405.
  • product 00003 has a classification of 12 with product 0004 having a classification of 18.
  • Procedures for the recording of parental blocks identified in operation 2102 are detailed in Figure 25.
  • a browser used by a parent for example, is provided with a graphical user interface of the type shown in Figure 25. Using this graphical user interface, a telephone number is entered in field 2501.
  • a classification block is specified. Before a block has been imposed, it is assumed that no restrictions exist.
  • the highest level of blocking is to enter a classification of 12. With classification of 12, only non-restricted items may be paid for using this service. With classification 12 blocked, this automatically blocks 14, 16 and 18. Similarly, with a block classification of 14, only non-restricted and 12 classification products may be purchased. Similarly with a block of 16, only items classified 12 and 14 may be purchased and with a block classification of 18, adult material will be blocked but items classified 12, 14 and 16 can be purchased.
  • additional measures may be required in order to verify the status of the blocked person imposing the block.
  • additional measures may be required in order to verify the status of the blocked person imposing the block.
  • the parent in order to effect a block it may be necessary for the parent to be in actual possession of the mobile telephone.
  • the parent is required to specify an unblock code in field 2503 followed by a confirmation of this code in field 2504. This code is kept secret by the parent and will be required if the parent wishes to adjust the level of blocking or remove the blocking altogether.
  • the unblock code become known to the user, it would be relatively straightforward for the parent to repeat the blocking procedure using an alternative code.
  • Figure 26 shows another table within the database.
  • a table 2601 as shown in Figure 26, is populated at the database
  • Blocking information is received continually and in no particular order.
  • a primary key is established at the database 208.
  • a first column 2602 records the blocked classifications in order, followed by an identification of the user ID in column 2603.
  • FIG. 27 A method performed within the environment and in accordance with the preferred embodiment is detailed in Figure 27.
  • this method allows for funds transfer electronically by populating a database at the server component with an indication of a customer's telephone number.
  • the database component On receiving a classification of the nature of the products/services sold by each of a plurality of suppliers.
  • the database component is populated with a table associating suppliers with their respective classifications and an indication of classifications is provided for each telephone number.
  • the transmission of premium rate mobile terminating text messages to effect a payment is allowed upon the identification of stored classifications.
  • an identification of the product is made in operation 2701. This information will have been collected by the system during the product selection process and therefore the product ID should be included within data contained within the web page.
  • the product classification is read with reference to table 2401. Thus, if product 0002 has been selected, the system is now aware that this has a classification of 0. Similarly, if product 00004 has been selected, the system is aware that the product has a classification of 18.
  • the apparatus is configured for the reception of funds at a supplier electronically and has a customer browser component connected to a network, a supplier browser component connected to the network and a server component connected to the network and having a database component.
  • a first mobile cellular telephone is operable by the customer and has a first telephone number.
  • the server component is configured to transmit a plurality of premium rate mobile terminating text messages to the mobile cellular telephone to effect the transfer of funds for reception by the supplier, from the customer, after the customer has placed an order with the supplier.
  • the server component is configured to transmit a notification message to a second mobile cellular telephone having a second telephone number confirming that the transfer of funds has taken place.
  • a mobile cellular telephone pairing exercise is performed in which a supervisor telephone is identified for receiving the notification message and a monitored telephone is specified. Consequently, the transmission of premium rate terminating messages to the monitored telephone results in the transmission of the notification message to the supervisor telephone.
  • operation 2901 the server is notified to the effect that a monitored telephone is to be paired to a supervisor telephone.
  • the pairing is performed such that the supervisor telephone will receive an SMS text message providing details of any transactions made by the monitored telephone.
  • an SMS message is sent to the supervisor telephone identifying details of the transaction.
  • no further action is taken and the monitored telephone effectively returns to stage 2902 and is considered to be in standby supervised mode.
  • the supervisor telephone having received an SMS message at the supervisor telephone, following operation 2904, it is possible for the supervisor telephone to deactivate the monitored telephone.
  • operation 2905 a question is asked as to whether deactivation is to take place. When this question is answered in the negative, control is returned to operation 2902 and the monitored telephone returns to its standby supervised mode. However, if a question asked in operation 2905 is answered in the affirmative, further purchases by the monitored telephone are blocked in operation 2906.
  • Procedures for pairing a monitored telephone to a supervisor telephone are illustrated in Figure 30.
  • a supervisor has access to a browser, that includes a monitor 3001 and a mouse and keyboard similar to the items 403 and 402 shown in Figure 4.
  • the supervisor then clicks on link 3004 so as to command the server 201 to pair the monitored telephone 202 (as shown in Figure 13) to the supervisor telephone, as shown in
  • the supervisor After issuing a command to pair the monitored telephone to the supervisor telephone, the supervisor receives a second screen displayed at monitor 3001.
  • the server 201 is configured to issue an activation message to the supervisor mobile telephone as an SMS text message.
  • the supervisor in order to establish a telephone in a supervisor role, the supervisor must have access to the telephone so that the received message can be entered.
  • the message itself is entered in box 3102 after which the supervisor clicks on "confirm" link 3103.
  • the supervisor After issuing the confirm command, the supervisor is presented with a second screen substantially similar to that shown in Figure 31. However, on this occasion, the monitored telephone number is displayed and again a text message is sent to the monitored telephone. Thus, in order to pair the telephones, the supervisor must be in possession of the monitored telephone, whereupon the received text message is entered in the appropriate box (similar to box 3102) and again the confirm link is activated.
  • a supervisor's mobile cellular telephone 3201 is shown in Figure 32.
  • the supervisor's mobile cellular telephone 3201 has received a text message confirming that the monitored mobile cellular telephone 202 has made a payment by the process of receiving a plurality of premium rate mobile terminating messages.
  • mobile telephone screen 3202 displays a message to the effect that 10.50 dollars has been paid to a specific supplier for a particular product.
  • a soft menu identifies key 3203 as being available for providing a response to the effect that the sale is considered to be alright and thereby requiring no further action. Furthermore, the soft menu identifies key 3204 as being available for generating a message back to the server to the effect that the monitored cellular telephone should be deactivated. Thus, in response to a deactivation message being created, further purchases by the monitored telephone are blocked.
  • a timeout it is possible for a timeout to occur so that it is not necessary for the supervisor to operate key 3203 or key 3204. Under these circumstances, after a period of five minutes, for example, the system would time out and it would be assumed that the transaction was considered to be alright. However, in an alternative embodiment it would be possible for the system to be assumed blocked until a positive deactivation code is provided.

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  • 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)
  • Computer Networks & Wireless Communication (AREA)
  • Finance (AREA)
  • Telephonic Communication Services (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)

Abstract

La présente invention concerne des appareils et des procédés pour permettre de faciliter un transfert de fonds d’un client à un fournisseur via des messages majorés. Dans un aspect, un appareil de transfert électronique de fonds d'un client à un fournisseur comprend : un composant de serveur connecté à un réseau ; et une base de données couplée au composant de serveur. Le composant de serveur est configuré de manière à : transmettre une pluralité de messages textuels finals mobiles à un prix majoré à un premier téléphone cellulaire mobile pour effectuer un transfert de fonds du client au fournisseur destinataire du transfert, après que le client a passé une commande auprès du fournisseur ; et transmettre un message de notification à un second téléphone cellulaire mobile ayant un second numéro de téléphone pour confirmer que le transfert des fonds a eu lieu.
PCT/US2009/039723 2008-05-23 2009-04-07 Réception des fonds d'un fournisseur par voie électronique Ceased WO2009142833A1 (fr)

Priority Applications (3)

Application Number Priority Date Filing Date Title
AU2009249523A AU2009249523B2 (en) 2008-05-23 2009-04-07 Supplier funds reception electronically
EP09751063A EP2300978A4 (fr) 2008-05-23 2009-04-07 Réception des fonds d'un fournisseur par voie électronique
CA2725312A CA2725312A1 (fr) 2008-05-23 2009-04-07 Reception des fonds d'un fournisseur par voie electronique

Applications Claiming Priority (8)

Application Number Priority Date Filing Date Title
GB0809386.6 2008-05-23
GB0809381.7 2008-05-23
GBGB0809386.6A GB0809386D0 (en) 2008-05-23 2008-05-23 Transferring funds electronically
GBGB0809381.7A GB0809381D0 (en) 2008-05-23 2008-05-23 Funds transfer electronically
GBGB0809382.5A GB0809382D0 (en) 2008-05-23 2008-05-23 Funds transfer electronically
GBGB0809383.3A GB0809383D0 (en) 2008-05-23 2008-05-23 Customer to supplier funds transfer
GB0809382.5 2008-05-23
GB0809383.3 2008-05-23

Publications (1)

Publication Number Publication Date
WO2009142833A1 true WO2009142833A1 (fr) 2009-11-26

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PCT/US2009/039723 Ceased WO2009142833A1 (fr) 2008-05-23 2009-04-07 Réception des fonds d'un fournisseur par voie électronique

Country Status (4)

Country Link
EP (1) EP2300978A4 (fr)
AU (1) AU2009249523B2 (fr)
CA (1) CA2725312A1 (fr)
WO (1) WO2009142833A1 (fr)

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US8768778B2 (en) 2007-06-29 2014-07-01 Boku, Inc. Effecting an electronic payment
US9652761B2 (en) 2009-01-23 2017-05-16 Boku, Inc. Systems and methods to facilitate electronic payments

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US7418181B2 (en) 2006-02-13 2008-08-26 Adc Telecommunications, Inc. Fiber optic splitter module
WO2011134143A1 (fr) 2010-04-27 2011-11-03 Adc Communications (Shanghai) Co., Ltd. Module à fibres optiques et châssis
US10222571B2 (en) 2016-04-07 2019-03-05 Commscope Technologies Llc Telecommunications module and frame

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US8768778B2 (en) 2007-06-29 2014-07-01 Boku, Inc. Effecting an electronic payment
US8116730B2 (en) 2009-01-23 2012-02-14 Vidicom Limited Systems and methods to control online transactions
US9652761B2 (en) 2009-01-23 2017-05-16 Boku, Inc. Systems and methods to facilitate electronic payments

Also Published As

Publication number Publication date
AU2009249523A1 (en) 2009-11-26
CA2725312A1 (fr) 2009-11-26
EP2300978A4 (fr) 2011-08-10
AU2009249523B2 (en) 2015-04-30
EP2300978A1 (fr) 2011-03-30

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