EP1472636A1 - Procede et appareil pour systeme de paiement prive et sur au moyen d'un dispositif sans fil - Google Patents

Procede et appareil pour systeme de paiement prive et sur au moyen d'un dispositif sans fil

Info

Publication number
EP1472636A1
EP1472636A1 EP03729695A EP03729695A EP1472636A1 EP 1472636 A1 EP1472636 A1 EP 1472636A1 EP 03729695 A EP03729695 A EP 03729695A EP 03729695 A EP03729695 A EP 03729695A EP 1472636 A1 EP1472636 A1 EP 1472636A1
Authority
EP
European Patent Office
Prior art keywords
merchant
payment
customer
central system
wireless device
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.)
Withdrawn
Application number
EP03729695A
Other languages
German (de)
English (en)
Other versions
EP1472636A4 (fr
Inventor
Tara Chand Singhal
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.)
Individual
Original Assignee
Individual
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 US10/046,834 external-priority patent/US7890433B2/en
Priority claimed from US10/091,882 external-priority patent/US8494957B2/en
Application filed by Individual filed Critical Individual
Publication of EP1472636A1 publication Critical patent/EP1472636A1/fr
Publication of EP1472636A4 publication Critical patent/EP1472636A4/fr
Withdrawn legal-status Critical Current

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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; CALCULATING OR 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
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G06Q20/023—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] the neutral party being a clearing house
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q20/04—Payment circuits
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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; CALCULATING OR 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; CALCULATING OR 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
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/353—Payments by cards read by M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q20/383—Anonymous user system
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]
    • G07F19/203—Dispensing operations within ATMs

Definitions

  • Figures 5A illustrate flow charts of the payment system operation for a retail merchant, having feature of the present invention.
  • waiter 422 brings a bill 426 to a customer 06 with a service code 436.
  • customer 06 takes out his/her wireless device 12 and connects to central system 10 website and is presented a data card 414.
  • customer 06 enters data of customer ID 450, service code 436, amount 430, tip 432 and CAPIN 456 and OK to send to central system 10.
  • central system 10 receives record 414, uses customer id 850 to verify CAPIN 856 and retrieves customer account data 858.
  • central system 10 uses service code 436 to find merchant number 452, retrieve merchant ID 866, assemble payment record and sends to card processor 36.
  • central system 10 receives authorization record from card processor 36, forwards approval data to customer as data card 416.
  • central system 10 forwards approval data record 424 to merchant system 08 for display on display terminal 423 that includes table and server information and payment status 418.

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • Theoretical Computer Science (AREA)
  • General Business, Economics & Management (AREA)
  • Finance (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Computer Security & Cryptography (AREA)
  • Marketing (AREA)
  • Game Theory and Decision Science (AREA)
  • Entrepreneurship & Innovation (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

L'invention concerne un système de paiement (02) permettant à un client (06) d'effectuer une transaction de paiement privée et sûre avec un détaillant, un commerçant sur site Web, un restaurateur à une table de salle à dîner, un fournisseur d'abonnement en ligne et une partie privée; et de retirer des espèces à partir d'une machine ATM au moyen d'un dispositif sans fil (12) au lieu d'utiliser des cartes ou des chèques bancaires. Dans toutes ces transactions, le client ne partage pas son identité et des données personnelles sensibles avec les commerçants et la partie privée. Dans lesdites transactions, le client n'a pas besoin de prendre ses cartes bancaires et/ou ses chèques personnels portant des données sensibles et personnelles, ce qui évite les risques de vol ou de perte.
EP03729695A 2002-01-15 2003-01-14 Procede et appareil pour systeme de paiement prive et sur au moyen d'un dispositif sans fil Withdrawn EP1472636A4 (fr)

Applications Claiming Priority (7)

Application Number Priority Date Filing Date Title
US91882 1979-11-07
US46834 2002-01-15
US10/046,834 US7890433B2 (en) 2000-06-30 2002-01-15 Private and secure payment system
US10/091,882 US8494957B2 (en) 2000-12-09 2002-03-06 Method and apparatus for restaurant payment system
US10/100,380 US9037499B2 (en) 2000-12-09 2002-03-18 Method and apparatus for an online subscription system
US100380 2002-03-18
PCT/US2003/002054 WO2003060796A1 (fr) 2002-01-15 2003-01-14 Procede et appareil pour systeme de paiement prive et sur au moyen d'un dispositif sans fil

Publications (2)

Publication Number Publication Date
EP1472636A1 true EP1472636A1 (fr) 2004-11-03
EP1472636A4 EP1472636A4 (fr) 2005-03-09

Family

ID=27366991

Family Applications (1)

Application Number Title Priority Date Filing Date
EP03729695A Withdrawn EP1472636A4 (fr) 2002-01-15 2003-01-14 Procede et appareil pour systeme de paiement prive et sur au moyen d'un dispositif sans fil

Country Status (3)

Country Link
EP (1) EP1472636A4 (fr)
AU (1) AU2003235604A1 (fr)
WO (1) WO2003060796A1 (fr)

Families Citing this family (9)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP1566779A1 (fr) * 2004-02-23 2005-08-24 e-Prompt International Holding AG Systeme de transaction
WO2006032944A1 (fr) * 2004-09-22 2006-03-30 NIANE, Mamadou, Tambérou Application nouvelle du telephone mobile gsm au transfert d’ argent
GB2438236A (en) * 2006-05-19 2007-11-21 Mark Edward Ashcroft Using a mobile telecommunications device to perform a monetary transaction
WO2008049186A1 (fr) * 2006-10-23 2008-05-02 Behruz Nader Daroga Système de transmission numérique (dts) pour la sécurité de guichets automatiques bancaires (atm)
DE102006054484A1 (de) 2006-11-18 2008-05-21 Fiducia It Ag Verfahren zur Interaktion eines Bankkunden mit einem Geldautomaten, zugehörige mobile Ein- und/oder Ausgabeeinrichtung sowie System zum Durchführen einer solchen Interaktion
GB2447709A (en) * 2007-03-23 2008-09-24 Eddie Parker Payment between a user and a merchant using a mobile communications device
EP2056246A1 (fr) * 2007-10-30 2009-05-06 Nederlandse Organisatie voor toegepast-natuurwetenschappelijk Onderzoek TNO Paiements électroniques à l'aide de cartes de paiements
EP2463817A1 (fr) * 2010-12-10 2012-06-13 1356382 Alberta Ltd. Système et procédé pour l'interopérabilité de différentes plateformes d'autorisation de paiements ou de transactions
US20170068960A1 (en) * 2015-09-08 2017-03-09 Sk Planet Co., Ltd. Web based payment service providing apparatus, method, system, and non-transitory computer readable storage medium storing computer program recorded thereon

Citations (4)

* 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
EP0910028A1 (fr) * 1996-11-14 1999-04-21 Matsushita Electric Industrial Co., Ltd. Systeme de reglement electronique personnel, terminal de ce dernier et appareil permettant de gerer ce systeme
DE19903363A1 (de) * 1999-01-28 2000-08-10 Mueller Judex Donald Verfahren, System und Mobilstation zur Durchführung von bargeldlosen Transaktionen
EP1093097A2 (fr) * 1999-10-14 2001-04-18 International Business Machines Corporation Système et méthode pour réaliser des transactions financières sécurisées

Family Cites Families (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6038548A (en) * 1997-11-26 2000-03-14 International Business Machines Corporation System and method for conducting electronic commerce in a computer network using a cashier desk payment framework
JP3352413B2 (ja) * 1998-12-17 2002-12-03 キヤノン株式会社 画像形成装置
JP3437148B2 (ja) * 2000-06-13 2003-08-18 株式会社エイティング 携帯端末による電子決済方法

Patent Citations (4)

* 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
EP0910028A1 (fr) * 1996-11-14 1999-04-21 Matsushita Electric Industrial Co., Ltd. Systeme de reglement electronique personnel, terminal de ce dernier et appareil permettant de gerer ce systeme
DE19903363A1 (de) * 1999-01-28 2000-08-10 Mueller Judex Donald Verfahren, System und Mobilstation zur Durchführung von bargeldlosen Transaktionen
EP1093097A2 (fr) * 1999-10-14 2001-04-18 International Business Machines Corporation Système et méthode pour réaliser des transactions financières sécurisées

Non-Patent Citations (1)

* Cited by examiner, † Cited by third party
Title
See also references of WO03060796A1 *

Also Published As

Publication number Publication date
AU2003235604A1 (en) 2003-07-30
EP1472636A4 (fr) 2005-03-09
WO2003060796A1 (fr) 2003-07-24

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