WO2004023353A1 - Systeme et procede destines a faciliter une demande d'achat sans fil et le paiement de biens ou de services - Google Patents

Systeme et procede destines a faciliter une demande d'achat sans fil et le paiement de biens ou de services Download PDF

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Publication number
WO2004023353A1
WO2004023353A1 PCT/AU2003/001126 AU0301126W WO2004023353A1 WO 2004023353 A1 WO2004023353 A1 WO 2004023353A1 AU 0301126 W AU0301126 W AU 0301126W WO 2004023353 A1 WO2004023353 A1 WO 2004023353A1
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WO
WIPO (PCT)
Prior art keywords
account
customer
scheme
topitup
voucher
Prior art date
Application number
PCT/AU2003/001126
Other languages
English (en)
Inventor
Peter John Reeves
Joseph Arthur Simard 3Rd
David Paul Wann
Jayson Geoffrey Packett
Mark Morgan-Jones
Original Assignee
Tynevale Pty Limited
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 Tynevale Pty Limited filed Critical Tynevale Pty Limited
Priority to AU2003257242A priority Critical patent/AU2003257242A1/en
Publication of WO2004023353A1 publication Critical patent/WO2004023353A1/fr

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Classifications

    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/325Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
    • G06Q20/3255Payment 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
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/12Payment architectures specially adapted for electronic shopping systems
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/22Payment schemes or models
    • G06Q20/28Pre-payment schemes, e.g. "pay before"
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322Aspects of commerce using mobile devices [M-devices]
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q30/00Commerce
    • G06Q30/06Buying, selling or leasing transactions

Definitions

  • the present invention relates to a new type of system for and method of the purchase of goods or services using the transmission of a purchase request via wireless means, and in particular to the purchase of goods or services whereby the purchase is requested by a mobile handset user via the mobile handset. Also in particular, the present invention relates to a computer program which facilitates a wireless request for the purchase, access or rental of goods or services by a mobile handset user making use of the mobile handset.
  • the present invention relates to the wireless transmission by a mobile handset user of a purchase request for a prepaid mobile handset voucher, and a means for effecting payment for the prepaid voucher.
  • prepaid mobile handset vouchers the value of which can be applied to the user's prepaid mobile handset account, from organisations offering such prepaid vouchers.
  • a user can purchase preset values of prepaid vouchers (i.e. mobile handset recharge cards) from a telecommunications service provider, such as Telstra (an Australian company), or an authorised reseller.
  • Telstra an Australian company
  • This allows the user to access a telecommunications network and associated services with a mobile handset, and also sets limits on the costs incurred by the user (i.e. the value of the prepaid voucher) for use of the telecommunications network or associated services.
  • a user is required to establish a "prepaid account" with a telecommunications service provider (i.e. telecommunications carrier), through an authorised retail outlet.
  • a prepaid voucher can then be purchased by the user from a retailer.
  • the user dials a number supplied by the telecommunications service provider and types in via the mobile handset keypad, the designated prepaid voucher number which appears, usually as a string of numeric and/or alpha digits, on the prepaid voucher. This acts to apply credit to the user's prepaid account which has previously been established with the telecommunications service provider.
  • Prepaid vouchers i.e. mobile handset recharge cards or the like
  • a user or someone else on behalf of the user, is required to attend the premises of such a retailer and purchase a prepaid voucher.
  • This situation has disadvantages.
  • the user is required to physically attend the premises of the retailer.
  • the user cannot access a telecommunication network if the credit in the user's prepaid account has been exhausted other than to access the toll free IVR system for recharging and the user cannot purchase a prepaid voucher, which may occur, for example, if retailers are closed.
  • This identifies a need to provide a user with a prepaid voucher via wireless means, for example by transmitting the prepaid voucher to the user's mobile handset.
  • a problem with this approach is that generally most prepaid voucher users do not have credit cards.
  • funds cannot be deducted in real-time (due to technology and policy/regulatory restrictions).
  • Organisations are reluctant to deliver goods or services to a user (i.e. customer) and then attempt to obtain funds afterwards through an overnight funds settlement process. This further identifies a need to provide a user with a prepaid voucher via wireless means and obtain payment for the prepaid voucher.
  • a user is limited in the types of payment systems with which the user can purchase various goods or services using a mobile handset.
  • a mobile handset user can purchase a mobile handset ring tone using a mobile handset by purchasing vouchers which entitle the customer to a number of ring tones. These tones are delivered to the mobile handset by dialling a number and entering in the code for the desired ring tone, or selecting the ring tone from a web site and entering the designated voucher number.
  • This system has the same drawbacks of the current prepaid voucher system.
  • at present a mobile handset user can purchase cans of soft drink at specific locations by dialling a specified number on the delivery device (a vending machine).
  • the funds are deducted from the user's account.
  • This system is at present limited to Telstra customers with a non-prepaid account and is currently not available for pre-paid accounts with any carrier.
  • a user is limited in the types of goods or services which are able to be purchased or requested via a mobile handset. If the user does not have a credit card or an existing billing arrangement with an organisation, then the user is typically prevented from purchasing goods or services if the organisation requires payment before delivery of the goods or services to the user. Still furthermore, many users are reluctant to provide credit card details over the Internet or to an unknown organisation.
  • This identifies a need for a new type of system for and/or method of the purchase of goods or services by using the transmission of a purchase request via wireless means, and associated payment means. This also identifies a need for a new type of computer program for facilitating the aforementioned systems or methods.
  • mobile handset should be considered as equivalent to the term mobile phone, cellular phone, cell phone, car phone, satellite phone, module and the like. This includes all forms of mobile, transportable or portable telephones or handsets.
  • the term mobile handset should also be taken to include any device which is able to connect to a wireless communications network and wirelessly transmit data, multimedia content or information to a remote device, for example a remote computer system, over the communications network. This could include, for example, mobile data terminals, personal digital assistants (PDAs), or pagers.
  • PDAs personal digital assistants
  • the communications network infrastructure may include switches, base stations, bridges, routers, or any other such specialised components, which facilitate the connection between a mobile handset and a communications network.
  • Prepaid account is a mobile handset user's service subscription with a telecommunications or other industry sector service provider (or telecommunications carrier) which can hold an amount of credit (prepaid) which allows a mobile handset to access and utilise a service provider's network and associated services.
  • a telecommunications or other industry sector service provider or telecommunications carrier
  • Prepaid voucher (or recharge card, recharge voucher, prepaid card, or the like): is purchased by the user from a service provider, reseller, retailer, or the like, and when activated or used applies credit to the user's prepaid account which has previously been established with the telecommunications or other industry sector service provider.
  • User account is the account held on a management computer system which holds information on the user's entitlement to be issued with a pre-purchased prepaid voucher.
  • Financial institution account is a monetary account or facility held by the user's financial institution or card issuer.
  • the financial institution account can be debited after obtaining user authority.
  • the present invention seeks to provide a system, method or computer readable medium of instructions which overcomes, or at least ameliorates, the aforementioned and other problems inherit in the prior art.
  • the present invention addresses existing problems by allowing a user to register with a payment system which pre-purchases a prepaid voucher.
  • the pre-purchase is via an overnight settlement process.
  • the user is registered with the payment system and a user account is appropriately credited.
  • This could be thought of as pre-allocating a prepaid voucher to the user account, or an entitlement to a prepaid voucher, which the user can request when required.
  • the user account holds an entitlement to a prepaid voucher which the user has already purchased and may request at any time.
  • the process of requesting the prepaid voucher also triggers a process of deducting further funds from the user's financial institution account, which results in a new prepaid voucher being allocated to the user account for when next required by the user.
  • the prepaid voucher is delivered to the user's mobile handset via the Short Messaging Service (SMS).
  • SMS Short Messaging Service
  • the prepaid voucher could be delivered to the user via Enhanced Messaging Service (EMS) or Multimedia Messaging Service (MMS).
  • EMS Enhanced Messaging Service
  • MMS Multimedia Messaging Service
  • the prepaid voucher could be delivered to the user by any other means over a communications or telecommunications network. It should be appreciated that any form of 'messaging' involving transmissions over a wireless network could be utilised to transmit the prepaid voucher.
  • the user applies this prepaid voucher to the user's prepaid account with a telecommunications service provider.
  • the prepaid voucher can be directly applied to the user's prepaid account with the telecommunications service provider without the user being required to receive and then apply the prepaid voucher.
  • the present invention provides a payment system which allows a user to request, via a mobile handset, the purchase of goods or services which are paid for by management software debiting the user's financial institution account according to a pre-existing debit authority.
  • the present invention provides a system which allocates an entitlement to a prepaid voucher to a user of a mobile handset, the entitlement to the prepaid voucher being recorded in a user account in a management computer system, and whereby the user can request the prepaid voucher be delivered via a mobile handset.
  • the user's financial institution account is debited and an entitlement to a new prepaid voucher is recorded in the management computer system.
  • the present invention provides a system for allowing a user of a mobile handset, with the user having a prepaid account with a telecommunications service provider, to add credit to the prepaid account, the system including: • the mobile handset operated by the user;
  • management software resident in the management computer system, the management software including a user account, the user account recording any entitlement of the user to a prepaid voucher; • a financial institution computer system which is accessible via some electronic means, whether in real-time or by a message sent to the institution, by the management computer system, the financial institution computer system holding a financial institution account for the user; and whereby, in response to a request by the user, the request being wirelessly transmitted from the mobile handset to the management computer system, for a prepaid voucher, the management software transmits the prepaid voucher to the mobile handset and subsequently requests a transfer of funds from the user's financial institution account to a nominated bank account, which when confirmed, results in an entitlement to a new prepaid voucher being recorded in the user account.
  • the present invention provides a payment system for allowing a user of a mobile handset, the user having executed a debit authority enabling funds to be transferred from a financial institution account to a nominated bank account, to purchase goods or services from a third party using the mobile handset, the system including:
  • a financial institution computer system which is able to communicate with the management computer system, the financial institution computer system holding the financial institution account for the user
  • a third party computer system which is able to communicate with the mobile handset, the third party computer system used by the third party to receive requests for goods or services; and whereby, in response to a request by the user for the purchase of selected goods or services, the request being wirelessly transmitted from the mobile handset to the third party computer system, the third party requests funds from the management computer system which results in a request for a transfer of funds from the financial institution account to a nominated bank account, which when confirmed, results in the management software transferring the required funds and a purchase request to the third party for the goods or services.
  • a method of providing a user with a prepaid voucher which can be used to credit a prepaid account with a telecommunications service provider the method allowing the user to request and receive the prepaid voucher via a mobile handset, the method including the steps of:
  • the management software causing funds to be transferred from a financial institution account in a financial institution computer system to a nominated bank account, which when confirmed, results in an entitlement to a new prepaid voucher to be recorded in the user account.
  • a computer readable medium of instructions residing on a management computer system, the computer readable medium of instructions forming part of a system for facilitating a user of a mobile handset to add credit to a prepaid account with a telecommunications service provider, the computer readable medium of instructions including procedures for:
  • a computer readable medium of instructions residing on an management computer system, the computer readable medium of instructions forming part of a system which facilitates a user of a mobile handset to purchase goods or services from a third party using the mobile handset, the computer readable medium of instructions including means for: • receiving a funds transfer request from the third party computer system;
  • the request by the user is an SMS request.
  • the goods or services may be "content" which can be wirelessly delivered to the user's mobile handset.
  • the content is delivered directly to the user's mobile handset from a third party, or to the user's mobile handset via the management computer system.
  • the content is prepaid Internet recharge vouchers, mobile handset ring tones, logos, graphics, video, music, subscription services, or the like.
  • the goods or services requested by the user may be delivered by physically delivering or picking-up the goods or services.
  • the prepaid voucher is an SMS message as representative of a wirless message.
  • the management computer system sends a SMS confirmation of the user's request or purchase confirmation to the user's mobile handset or other nominated mobile handset.
  • the mobile handset is not the user's mobile handset.
  • the nominated bank account is nominated by a Manager of the management computer system.
  • the third party computer system is integrated with the management computer system.
  • the nominated bank account and the user's financial institution account are not in the same banking computer system.
  • the present invention according to yet another aspect provides that the funds transfer is by direct debit from the user's financial institution account.
  • the funds transfer can occur using any other form of electronic payment, for example, credit card.
  • the management software provides for the registration of user's, account processing and payment, and receiving user requests.
  • the distribution channels receive an ongoing revenue stream from pre-paid 'connections', similar to post-paid mobile connections.
  • the management software is based on the JAVA programming language.
  • a Personal Identification Number (PIN) or password is required to be supplied by the user via the mobile handset before the user's request is processed.
  • the authentication is provided by an image of the users face captured by a camera contained or connected to the mobile handset and delivered to the biometric authentication component of the system.
  • the face recognition process involves software within the system to generate a small file of approximately 2000 bytes known as a biometric template that represents the salient features of the user's face that can be understood by software in an authentication process to validate an image captured on the user's mobile handset and compared to/with or against the biometric template generated by the system.
  • the face recognition process is triggered which verifies (within high bounds of statistical probability) that the user of the mobile handset is the same person enrolled in the system by comparing the user's biometric template created during the enrolment process and compared with the processed image either generated on the mobile handset or transmitted to a biometric authentication system allowing the system to authenticate the user.
  • content purchased or delivered by the system can be digitally signed (and encrypted if required) with the user's biometric template incorporated into the content to enhance the content owners rights to control and or monitor how the content is distributed including options such as authentication processes involving the user having to present their captured image to the system whenever the content is required to be accessed or played.
  • this 'use of content transaction' could be used as a service to ensure secure delivery of emails and documents over the Internet requiring the user to authenticate themselves with the system's biometric authentication server whenever highly confidential emails, content or documents are required to be accessed either directly on the user's mobile handset or delivered to an Internet service or the user's email service.
  • This embodiment of the invention provides a low cost method of biometric authentication without the user having to purchase personal authentication devices such as tokens or smartcards that must be carried by the user and readers (such as personal smartcard readers) to enquire and /or authenticate the physical token.
  • the enrolment process which could be performed at the retail outlet would incorporate additional steps whereby the retailer would complete a new enrolment or update an existing users biographical enrolment data by confirming the enrolment systems pairing of the biographical enrolment data with the user's biometric template created when the user is directed by the retailer to connect to the system's biometric authentication system.
  • the pairing occurs when the biometric authentication system captures a suitably framed image of the user's face using the user's camera on the mobile handset and creating the user's biometric template, displaying the user's image captured within the retailers online enrolment screen and requesting the retailer validate that the image displayed on their enrolment screen is of the person being enrolled by them.
  • the system pairs the biographical enrolment data (including the user's financial institution account details and associated payment authority agreed during the enrolment process) with the user's biometric template created during enrolment.
  • the user's biometric template can be stored on the system's biometric authentication server requiring to be paired with the user's biographical enrolment data whenever a financial transaction or use of content transaction is required to be performed.
  • the user's biometric template could be securely stored on either the smartcard that serves as the user's subscription identity module or in a secure 'electronic wallet' or similar concept incorporated into the user's handset.
  • the further embodiment of the invention could provide for a biometric validation engine to be licensed by mobile handset manufacturers and incorporated into future mobile handset models that allow for the local authentication of the user's biometric template without having to connect to the system's biometric authentication system to provide authentication services.
  • the face recognition process would occur on embedded software within the handset and the software would send an authorisation token, rather than the captured image of the user, to the system during the purchase request.
  • Figure 1 illustrates a broad schematic of an embodiment of the payment system
  • Figure 2 illustrates a broad schematic of a specific embodiment of the method of the present invention
  • FIG. 3 illustrates the main use cases according to an embodiment of the present invention.
  • Figure 4 illustrates a logical view of the main entities of a particular embodiment of the present invention.
  • the user 15 has access to a mobile handset 20.
  • the user 15 also has a user account 25 which is recorded in the management computer system 30.
  • the management computer system 30 is administered or managed by a Manager (or Management organisation).
  • the user 15 is additionally required to have a financial institution account 35 held in the financial institution computer system 40.
  • Resident in the management computer system 30 is management software 45.
  • the management software 45 can provide functions for processes such as user registration, account processing and payment, and receiving user wireless requests for a purchase, which could be for a prepaid voucher.
  • the user 15 desires to purchase user selected goods or services from a third party or the Manager.
  • the third party operates a third party computer system 50 which can at least receive requests for goods or services.
  • Goods or services may include prepaid vouchers or prepaid starter kits for access to a telecommunications network and associated services, "content" such as mobile handset ring tones, logos, graphics, video, music, subscription services, etc, or any other goods or services which are required to be physically delivered to, or picked-up by, the user 15.
  • Prepaid vouchers need not be physically delivered to the user 15, and "content" can be wirelessly delivered to the mobile handset 20, or any other nominated mobile handset.
  • a prepaid starter kit allows dealers to activate in-store a SIMcard with a new prepaid mobile service. Previously, the dealer received a package that contained the SIMcard and associated mobile handset number. This may be performed on-line from a retail store.
  • the user Prior to requesting goods or services, the user needs to be registered with the management computer system 30. This involves the user authorising the Manager to debit the user's financial institution account 35 when required. After registering, funds are transferred from the user's financial institution account 35 to a nominated bank account, the funds being used to purchase a prepaid voucher on behalf of the user. The user's entitlement to receive the prepaid voucher is recorded in the user account 25.
  • the user 15 operates the mobile handset 20 causing a wireless request 55a to be transmitted to the management computer system 30, or, an SMS request 55b to be transmitted to the third party computer system 50, depending on the goods or services requested. For example, if the purchase request is for a prepaid voucher, then the wireless request 55a is sent to the management computer system 30. If the purchase request is for "content" such as a mobile handset ring tone, then the wireless request 55b is sent directly to the third party computer system 50 offering the ring tone.
  • the management computer system 30 When the management computer system 30 receives the wireless request 55a, data or information in the wireless request 55a is passed to the management software 45. If the request is valid, the management software 45 causes a prepaid voucher in the wireless format 60 to be transmitted from the management computer system 30 to the mobile handset 20. If the wireless request 55a is for a prepaid voucher, then the management software 45 checks the user entitlement to a prepaid voucher by checking the user account 25. If the user is entitled to be delivered a prepaid voucher then the management software 45 effects the delivery of the prepaid voucher 60 as a wireless message to the mobile handset 20. The user 15 can then apply or activate the prepaid voucher by dialling a telehandset number indicated in the message. This applies credit, embodied as the prepaid voucher, to the user's prepaid account with the telecommunications service provider, thus enabling the user to access the telecommunications network and associated services.
  • the management software 45 checks the user entitlement to a prepaid voucher by checking the user account 25. If the user is entitled to be delivered a
  • the management software 45 initiates a request for a further transfer of funds from the financial institution computer system 40, via the computer network 65.
  • the management software 45 requests a transfer of funds from the user's financial institution account 35 in the financial institution computing system 40 to a nominated bank account. This request can be made immediately or at some later time.
  • an entitlement to a new prepaid voucher is recorded in the user account 25 within the management computer system 30. The user can then obtain this pre-purchased prepaid voucher when required in the future without waiting for funds to clear.
  • the user 15 is purchasing an entitlement to be sent a prepaid voucher (which may be referred to as a "prepaid prepaid voucher") for access to a telecommunications network and associated services offered by a telecommunications network provider and the Manager is acting as a reseller.
  • a prepaid voucher which may be referred to as a "prepaid prepaid voucher”
  • an SMS request 55b is sent to the third party computer system 50.
  • goods or services may be delivered prior to or after the transfer of funds associated with payment for the goods or services from the user's financial institution account 35.
  • the third party computer system 50 can receive the user's purchase request.
  • the third party bills the Manager according to its usual practice.
  • the management software 45 causes the user's financial institution account 35 to be debited accordingly.
  • the funds can then be transferred to the third party, for example to the third party computer system 50, and the Manager can retain a payment processing fee.
  • the SMS request 55a received by the management software 45 could be a request for content or physical delivery-type goods or services provided by the third party.
  • the Manager could have an arrangement with the third party to offer selected goods or services.
  • the management software 45 can relay the user's purchase request to the third party computer system 50 via the computer network 70.
  • the user's financial institution account 35 can be debited and funds transferred to the third party (which could be confirmed by communication between the management computer system 30 and the third party computer system 50). It may be a condition in the arrangement between the Manager and the third party that funds must be transferred to the third party prior to delivery of goods or services.
  • the modules are intended to be merely illustrative and not limiting to the scope of the present invention.
  • This section contains various system and process definitions describing the various participants in the method or system and how the participants inter-relate with each other when conducting business within the method or system.
  • the method or system allows registered users (referred to as Customers in this section) of the method or system to purchase goods and services using a mobile handset. Registration involves a Customer providing an authority to the Manager to pay for goods or services ordered by the Customer. Goods and Services
  • prepaid vouchers (recharge vouchers) supplied 'over the air' to the Customer's mobile handset. Examples may include Optus' currently existing $30 mobile handset recharge cards, Telstra's currently existing $25, $40 and $100 mobile handset recharge cards;
  • Each of these three types of goods or services are generally distinct within the method or system and involve distinct 'Applications'.
  • Applications are distinct business models, methods or systems involving different payment and delivery processes.
  • the Applications supported by the method or system can include:
  • recharge vouchers may be purchased using a prepaid direct debit method. This could also referred to as 'prepaid prepaid';
  • content may be purchased using post-paid direct debit referring to the concept that the payment request is made after the goods or services are delivered; and 3) fulfilment: may be purchased using online authorisation of credit card authority.
  • a Wireless Authentication Payment System (WAPS) is provided which caters for each of the Applications identified above.
  • WAPS Wireless Authentication Payment System
  • the participants within the method or system can include:
  • the Customer is a prepaid mobile handset user who registers with the management computer system by providing financial institution account details authorising the Manager to purchase goods or services ordered by the Customer. The Customer might be required to pay the full retail price of a recharge voucher as if the Customer purchased the recharge voucher from a store.
  • the Dealer Channelfs functions to register the Customer to the method or system.
  • the Dealer Channel comprises Dealer Groups identified and branded with the recharge products available through the Dealer Channel. Each Dealer Group includes: o a Dealer Franchiser: and o Dealer Franchiseefs) operating under the governance of the Dealer Franchiser.
  • the Recharge Provider performs two functions within the method or system: o introduces one or more Dealer Groups to form the Dealer Channel to participate in the method or system; and o provides (acquires and sells) recharge vouchers to the Manager as a supplier for the recharge products ordered by Customers signing up through the Dealer Channel.
  • the Recharge Provider bills the Manager for the supply of recharge vouchers making a margin on their cost price.
  • the Recharge Provider does not receive a commission from the Manager.
  • the Booking Provider provides content for the method or system that can be ordered and delivered 'over the air' to the Customer's mobile handset.
  • the Booking Provider establishes a retail price for their products; the Manager retains a margin of the transaction value.
  • the Fulfilment Provider provides goods or services that are not delivered 'over the air' to the Customer's mobile handset. Instead of paying by VISA, AMEX or Mastercard, etc., a Customer chooses to pay using the prepaid mobile handset account held in the system.
  • the Fulfilment Provider should be authorised by the System Owner to cobrand their sales point (eg. website, WAPsite, IVR, infomercial, etc).
  • the Fulfilment Provider establishes a retail price and the Manager retains a commission from the Fulfilment Provider when processing the Customer payment for goods or services ordered using the system or method.
  • the Manager provides the operations management functions of the system or method including hosting the system and registration databases, providing dealer support, settlement and reporting services to the various participants, marketing and assumes responsibility for any reward programmes that may be established.
  • the Manager can also provide oversight and/or outsources a Customer Care Centre and a Customer website service provision. The Manager may make a profit on the difference between the retail price charged to the Customer less the commissions paid to the Dealer Channel, to system support, to clearing payments through the bank, payment of merchant fees, bad debts and the cost to maintain the Customer Care Centre and the Customer website.
  • the System Licensor is regarded as the provider of the management software to the system.
  • the System Licensor may provide an exclusive licence to the System Owner and/or Manager to use the management software
  • the System Licensor may be paid a transaction fee as a percentage of each Customer purchase made in the system.
  • the System Licensor may also be responsible for the maintenance and upgrading of the management software.
  • the System Owner is regarded as the owner of the system.
  • the System Owner provides the System governance and Policy, Business Development and determines Commercial Rights.
  • the System Owner may provide an exclusive or non-exclusive licence to the Manager to use the system.
  • the system or method enables prepaid mobile handset Customers the ability to buy vouchers (prepaid recharge cards) using a mobile handset 'over-the-air' anywhere and at any time effectively using a bank account. This allows the Customer the 'best of both worlds', that is all the convenience of a post-paid account handset with all the advantages of a prepaid account including lower call costs, superior cost control and no minimum spending requirement.
  • the system requires the customer to register with the system using a password so that the account is secure. Registering with the system can be performed at an authorised dealer or can be performed using a website.
  • Part of the registration process involves signing a Direct Debit Authority authorising the Manager to purchase vouchers using the Customer's bank account. Whenever a voucher is ordered by using the mobile handset to send an SMS request, the voucher is sent almost immediately by being previously purchased using the bank account.
  • This also allows a parent to control the use of a prepaid account that can be set up for use by a child or teenager. The parent is identified as the Account Holder and the child/teenager as the Account User, with the parent safe in the knowledge that the account can be used when required, and that the parent knows when vouchers are bought, and also that the prepaid account is secured by a password that only the parent (as the Account Holder) knows.
  • system or method can include many advanced features such as 'Any Mobile' which allows credit to be bought, even if a Customer does not have any credit left in the prepaid account, by using another mobile handset, for example a friend's mobile handset.
  • a Customer can also: purchase low value content that can be delivered 'over the air' to a mobile handset or like device. Current examples of such content are mobile handset ring tones, logos, video, music, information services and other content.
  • a bank account or similar can be direct debited to the value of content ordered from the mobile handset or through an authorised website;order or book higher value goods or services over authorised Handset, websites or WAPsites using credit card registration details as the payment method. Using the system as a payment method provides confidence because a Customer does not need to supply credit card details over the handset or over the Internet.
  • the Recharge Application is the business architecture of the system which allows Customers to register with the system through authorised storefront dealers or approved association organisations. Customers are required to 'register' with the system. Registration occurs when a customer signs up at an Authorised Dealer or other location.
  • a Dealer Channel includes one or more Dealer Groups associated with a Recharge Provider.
  • a Dealer Group includes a Dealer Franchiser and Dealer Franchisees operating under the governance of the Dealer Franchiser.
  • the system allows for multiple Dealer Groups associated with the introducing Recharge Provider and allows for multiple Recharge Providers within the system architecture. Collectively, this arrangement forms the participants of the Recharge Application, specifically, the collection of Recharge Providers each having contributed Dealer Channels, each of which is represented by Dealer Groups, each of which is identified as the Dealer Group Franchiser and the collection of Dealer Group Franchisees.
  • a Dealer Channel is typically identified as the collection of Dealers selling one or more brands of recharge card or voucher.
  • the Australian market would allow the system to have the following Dealer Channels marketing the following prepaid recharge voucher values:
  • the system is flexible and allows for any combination of the following types of Recharge Application models which are provided as illustrative examples.
  • Example 1 - Dealer Group becomes the Recharge Provider.
  • a Dealer Group (say Network Communications - an Optus Premium Dealer) may negotiate the role of the Recharge Provider and introduce its dealerships to form a Dealer Channel. Network Communications dealerships could all be branded with Optus and the Manager brand.
  • Optus Communications may negotiate the role of the Recharge Provider and introduce the balance of its Dealer Groups (say Optus World, C21, Tandy and Strathfield Car Radios) to form a Dealer Channel.
  • Dealer Groups say Optus World, C21, Tandy and Strathfield Car Radios
  • the balance of Optus Dealer Groups would all be branded with Optus and the same Manager brands for both Dealer Channels. The Customer would not be able to discern that there are two Dealer Channels.
  • Example 3 - Telco introduces all its Dealers.
  • a telecommunications company may negotiate the role of the Recharge Provider for the Telstra Dealer Channel with Franchisors for Tshops, DSE, Strathfield Car Radio, etc., introducing their Dealer Franchisees within their respective Dealer Groups to form the Dealer Channel.
  • Telstra may decide to brand the system as its own product. Subsequent to negotiations with the System Owner, Telstra are licensed as a Manager of their own system and brand the system distinctly from the system described in Example 2.
  • Example 4 Dealer Group participates in two different Dealer Channels
  • Dealer Groups receive ongoing commissions subject to commercial rights negotiated with the respective Recharge Provider and the currency of their dealership arrangement with the Dealer Channel to which their Customers are signed.
  • the Tandy Dealer Group would not receive any additional commission payments subsequent to the date of disassociation for Customers registered through that Dealer Channel. If Tandy participated in another Dealer Channel, Tandy would not be required to remove branding with the system and would continue to receive commissions generated through the other Dealer Channel.
  • the Dealer Franchiser and the Dealer Franchisee registering the Customer may receive a percentage of every recharge voucher purchased by the Customer as an ongoing commission with the Recharge Provider supplying Recharge Vouchers as appropriate. Unless commercial arrangements are made between the System Owner and the Recharge Provider, participants in the Content Application generally do not receive commissions from Customer purchases made within either the Content Application or the Fulfilment Application.
  • the system automatically generates settlements and settlement reports for commissions earnt by the members of the Dealer Groups within the Dealer Channel. Settlement may occur overnight, weekly or monthly subject to the terms of settlement negotiated by the Manager with the Recharge Provider on behalf of the Dealer Group. The Manager can provide support to the Dealer Group.
  • the Content Application is the business architecture of the system that allows registered Customers within the system to purchase Content to be delivered to their mobile handset using either existing or future 'over the air' or wireless technologies.
  • Examples of Content that can be purchased are mobile handset ring tones, logos, screen savers, video, music, subscription and information services and other content.
  • Content Providers There may be multiple Content Providers to the system.
  • Content Providers can be authorised by the System Owner to participate in the system.
  • Content Providers can provide access to the Manager for the Content through a Content Provider's 'Content System'. This may be through a technical interface to the Manager or directly supplied by the Content Provider and managed by the system.
  • this arrangement forms the participants and mechanisms of the Content Application, specifically, the collection of Collection Providers, and Content Systems and interfaces.
  • Each Content Provider provides a number branded to the Content Provider and distinct to the Request Number for the Customer to send SMS requests to order Content.
  • the Content Provider is responsible for their own point of sale material, branding, content and content selection menus / content item numbers.
  • the Customer send an SMS request to the Content Provider's Request Number, thus ordering an item.
  • the message format could be agreed with the Manager to ensure consistency throughout all Content Providers.
  • the ordered Content is delivered over the air to the Customer's mobile handset. This may be via SMS or another wireless delivery mechanism.
  • the Customer's debit authority is used to draw funds to the value of the content ordered independent of any recharge process.
  • the Fulfilment Application is the business architecture of the system that allows registered Customers within the system who have registered credit card details to purchase goods or services from Fulfilment Providers.
  • Fulfilment Providers sell goods or services through sales points that in addition to providing payment methods such as VISA, AMEX or Mastercard are authorised by the System Owner to offer payment using the system as a payment method.
  • the sales point may be a website, WAPsite, IVR or infomercial, which is cobranded with the System Owner brand or other indicative indicia.
  • the Fulfilment Provider establishes a secure connection to the system to transmit online payment requests and to accept or decline the payment request.
  • the Fulfilment Provider establishes a retail price and the Manager retains a commission from the Fulfilment Provider when processing the Customer payment for goods or services ordered using the system.
  • the system uses software and operating processes designed and developed according to industry and security best practice guidelines and compliant with relevant legislation.
  • the system is managed by the Manager.
  • the Manager implements aspects of system management including system processes and support including the backend systems, databases, technical architecture, interfaces to a settlement bank, Call Centre and websites.
  • the system handles the processing of Accounts using logical states l ⁇ iown as Processing States.
  • Processing States include:
  • PreRegistered, PreRegistered_BadDebt and PreRegistered_BadBank which describe Accounts before they can be used by the customer: o 'PreRegistered' means the Account has been created and the initial payment request has been made but not cleared; o 'PreRegistered_BadDebt' means the Account has been created and the initial payment has been declined by the Customer's bank. No further processing occurs until the Customer advises sufficient funds are available. When notified, the state is reset to PreRegistered which restarts the payment request process; o 'PreRegistered_BadBank' means that the Account has been created and the initial payment request has been rejected as the Customer Bank Account Details are incorrect. No further processing occurs until the Customer supplies their correct Bank Account Details. When corrected, the state is reset to Pending which restarts the payment request process;
  • o 'Active ' means the Account has an entitlement to a Voucher which can be immediately sent to a Customer who Requests a Voucher
  • o 'Pending' means that the Account does not have an entitlement to a Voucher, the system has requested a payment on the Customer's bank to initially allocate or replace a voucher and that the system has not received notification that funds have cleared
  • o 'Bad Debt' means that the Account does not have an entitlement to a Voucher, the system has requested a payment on the Customer's bank to initially allocate or replace a voucher which has been declined by the Customer's bank. No further processing will occur until the
  • the state is reset to Pending which restarts the payment request process; o 'Bad Bank' means that the Account does not have an entitlement to a Voucher, the system has requested a payment on the Customer's bank to initially allocate or replace a Voucher and has been rejected by the Customer's bank as the bank account details are not recognised. No further processing occurs until the Customer supplies correct Bank Account Details.
  • the state is reset to Pending which restarts the payment request process; • 'Cancelled' is a state when the Account has been closed and the Customer can no longer use the system without Re-Registering.
  • the system is administered and operated by the following staff categories performing roles that provide appropriate security access and controls to perform their operational responsibilities. :-
  • SAs Scheme Administrators
  • SAs have full access to all of the operational management functions of the System and perform o Customer complaint resolution; o operational fraud management of the system; o cancelling customer accounts that are not initiated by the Account Holder; o acquirer bank settlement functions including o preparing and uploading Bank Bulk Funds Movement Files; o downloading and preparing Bank Settlement Files; o Process Account Statements; o manual oversight of closing open settlement batches within 2 business day window as required.
  • Financial Administrator (FA) is responsible for the financial management of the system or method including the financial management of the company with specific system responsibilities for o replenishment of PINs to the Unallocated Voucher Pool from the voucher supplier; o for internal audits of the system including manual and automatic processing; o processing dealer invoices and making settlement to Dealers; o oversight of settlement functions.
  • CCOs Customer Care Operator
  • CCOs performs all Call Centre functions for calls received by the system including cancelling of accounts at Account Holder request. Complaints are deferred to an Administrator. CCOs also provide information on how to register for the system including mailing or emailing application forms upon request.
  • Dealer Manager overall responsibility for dealer management including o dealer appointments; o dealer training; o dealer support; o generating and providing dealer reports; o dealer complaints resolution; and o dealer collateral.
  • Technical Support (TS) overall responsibility for IT Systems, support, archiving, compliance with privacy and security policies, disaster recovery and system security.
  • Operations Manager responsible for the overall operation of the system.
  • Activate an Account 'Activate an Account' is an automatic process that changes the processing state of a PreRegistered Account to an Active Account. This process will occur whenever the Initial Draw Down results in the funds being cleared by the Customer's bank account. The Customer is notified the Account is Activated when the system sends the Customer a 'Welcome Message' by SMS. The Account can now be used by the customer to 'Request a voucher' from the system.
  • a voucher' refers to a process that occurs whenever a Customer sends their password via SMS to the system's SMS server which upon receipt will validate the identity of the SIM in the mobile handset sending the SMS, authenticate the identity of the SIM against the Customer registration database and verify that the password is valid.
  • 'Deliver a voucher' refers to a process where the system has received a 'Request a voucher', has verified the Customer's password, confirms that the Customer's Account is Active and then sends and validates an SMS that is delivered to the Customer's mobile handset which contains a Voucher number that the Customer can subsequently use to credit their prepaid handset credit.
  • the system does not ignore 'Bad Attempts' and writes attempts to a 'Potential Fraud Log File'.
  • threshold levels the system restricts the operation of an Account by flagging the Account as Blocked. Blocking an Account will allow normal processing of States to occur, such as 'Draw Downs' and clearing of payments, however when an account is Blocked, the system will not allow a Voucher to be delivered nor respond by continuing to send error messages via SMS to the requesting mobile handset.
  • 'Draw Down' refers to a process where the system attempts to receive a payment from a Customer's bank account prior to the system providing either the initial Voucher (Initial Draw Down) or to purchase a replacement Voucher to replace a Voucher after a recent 'Voucher Delivery' to the Customer using SMS.
  • the system uses an acquirer bank and software created by the bank to upload Customer payment requests in a Bulk Funds Movement File (BFMF).
  • BFMF Bulk Funds Movement File
  • the BFMF is manually created by an Administrator using the system, generally before a 5 pm settlement deadline each business day.
  • the system processes all Customer payment requests to the acquiring bank in batches of nominally 100 transactions.
  • the system creates a batch identifier that is associated with transactions within the batch to allow for cross referencing.
  • the transactions uploaded are settled overnight by the acquirer with each of the Customer bank accounts associated with the payment request transactions.
  • 'Bank Settlement File' refers to the file that is downloaded each morning using the acquirer bank's online banking facility.
  • the Bank Settlement file shows all batches that were settled in whole or in part the previous evening.
  • For each batch in the file the system can interpret: - the batch identifier for that batch; • A the batch total of the customer payments requested in that batch;
  • 'Process Account Statements' refers to a clearing process which processes the content of all Bank Settlement files that have Open batches. If a batch is Open, the system knows that some Customer transaction in the batch have not been accounted for by the acquirer bank. Consequently, the batch is still open if E > 0. If all Voucher values are equal, then the value of E is a multiple of the Voucher value and the multiple represents the number of payment requests that are still to be settled by the acquirer bank.
  • Manually Closed Batch' refers to a manual process that is performed to Close a batch that has not been closed automatically by the system within the prescribed two business day window allowed for a Draw Down to be completed. Adjustments in respect of the unaccounted transaction(s) are followed up with the relevant customer and bank as soon as practicable. This should be an irregular event. Batch size is configurable. By limiting batch size, the system can realise a higher closure rate on Day 1 processing.
  • the system is a system to allow product purchase and/or delivery and/or confirmation using SMS or other wireless communication methods-initiated transactions.
  • the first application of the software is to allow delivery of a prepaid mobile handset voucher to a Customer via SMS, at the request of the Customer from an SMS message, and the Customer's account to be credited with another prepaid voucher after a successful transfer of funds from the Customer's bank account to the Scheme Manager's bank account.
  • Other applications which can extend the system include delivery of ring tones and other products capable of being delivered to a Customer's mobile handset, and purchasing of products by registered users of the system using the funds transfer mechanisms of the system.
  • the system does not preclude purchasing of a product via other means (such as through web-based interfaces), where the confirmation of purchase is performed using the wireless technology.
  • the system contains a service that accepts SMS messages and forwards the message to the J2EE processing and settlement engine via JMS.
  • This service also receives messages from the JMS bus and sends the message via the SMS device/gateway.
  • the J2EE processing and settlement engine receives messages from the JMS bus and processes these messages, which are normally requests for products.
  • the engine is implemented as a collection of EJB session and message-driven beans.
  • the system also contains a Java, wing-based GUI for maintaining the application reference data, Customer registrations, system participants, and financial information.
  • a Java, wing-based GUI for maintaining the application reference data, Customer registrations, system participants, and financial information.
  • the following use cases represent the architecturally significant use cases in the system.
  • the Customer details are checked against the current database for consistency: specifically, is this Customer already registered (duplicate mobile number), or is someone else registered using this mobile number. Also, BSB and account number is checked against the database and a warning is flagged to the operator.
  • Customer Password is preferably 4-6 alphanumeric characters but is configurable to any system requirements.
  • a NewVoucherRequest record is created to allow the initial voucher credit against the Customer's account.
  • the Customer record is in a state of "Pre-processed" until the request is processed.
  • the sender is validated against the account database
  • the PIN in the message is validated against the database
  • Attached in Appendix A is a narrative of example scenarios of the present invention in actual use. These scenarios are intended to provide an understanding of the various embodiments of the present invention and are not intended to limit the invention in any way. The scenarios are illustrative examples. Reference to "TopItUp" in Appendix A should be read as a reference to the system or the method, the Manager or the System Owner as appropriate.
  • the invention may also be said broadly to consist in the parts, elements and features referred to or indicated in the specification of the application, individually or collectively, in any or all combinations of two or more of said parts, elements or features, and where specific integers are mentioned herein which have known equivalents in the art to which the invention relates, such known equivalents are deemed to be incorporated herein as if individually set forth.
  • Scenarios are a method of telling a narrative which provides insight and understanding into the workings of a system or scheme.
  • John has an office job and has a company supplied handset as he is often required to be contactable out of hours. John will occasionally ring Kristy on her mobile or the home handset when travelling home from work to arrange important family matters such as 'do you want me to bring anything home', 'what's on for dinner' or 'can you pick me up'.
  • Mark's 16 th birthday is next Thursday.
  • Mark has had a keycard for four months. His allowance is paid into his account each month by Dad using internet banking.
  • Mark's handset is to be his birthday present. Kristy is going to pass on her old handset to Matt.
  • TopItUp administer all that He also is pretty happy about the fact that he doesn't have to worry about receiving anymore prepaid TopUp invoices from Optus or, in relation to these invoices, not having enough money to pay his hardware account as TopItUp administer all that. Lee also knows that eventually TopItUp can, in the future, be used by him to sell other products and services thereby providing even more income for the store and the Network vision.
  • TopItUp User Guide brochure and explains the advantages of topping up their handsets using Topltup over existing methods. Lee explains further that TopItUp gives them the 'Best of Both Worlds' being 'Prepaid Prepaid'. TopItUp allows them the convenience of an account handset in that they can TopUp over the air whenever and wherever they want to. At the same time, TopItUp provides all of the advantages of a prepaid account including lower call costs, superior cost control and no minimum spends.
  • TopItUp • that by completing the Direct Debit Authority they authorise TopItUp to deduct the value of a TopUp Voucher from the nominated bank account to Register and whenever they Request a TopUp and that this authority applies if they were to order other products (such as ring tones) using TopItUp;
  • Password is akin to giving someone the PIN to their keycard account.
  • TopItUp will SMS a final TopUp Voucher to their handset as long as o they have a pre-paid entitlement to a TopUp Voucher and; o their account does not have any bad debt provisions associated with the final TopUp
  • Mark is going to signup with TopItUp on his own behalf.
  • Lee provides a TopItUp Registration Form and a Direct Debit Authority form for Mark to complete. Mark's mobile handset number will be his account number.
  • the T&Cs include a requirement that Mark agrees to have more than $30 (being the current TopUp value) available in his account whenever he Requests a TopUp. Mark understands that when he does
  • TopItUp is going to deduct $30 from his bank account that night and set this amount aside as a
  • TopUp Voucher the next time he Requests a TopUp using TopItUp. Mark knows he has sufficient funds to cover the initial $30 Draw Down. Mark also thinks of a great password to protect his account. Since Mark is managing his own account, the Account Holder Name is entered as Mark Evans and the User Name is entered as Mark Evans. He writes this on the form for registration purposes with the knowledge that once it is entered into the system, he is the only person who can access his TopItUp account. Mark also wants to get ringtones for his handset, so he ticks the 'Send Info Box' that gives TopItUp pennission to send information using SMSs when new services or specials are available to him.
  • Mark doesn't know his Direct Debit bank details. He does have his keycard with him. Lee has a current list of bank information handset numbers that allows him to quickly rings the bank's information number associated with the Mark's keycard and hands the handset over to Mark to get the details from his bank. Lee knows that recording this information is a very important step to get right so that the TopItUp registration process is not delayed. Mark selects 'Savings or Cheque' account option. Mark signs the Registration Form and the Direct Debit Authority Form thereby completing the instore registration process.
  • Kristy checks the credit balance on Matt's handset and finds that he has been more frugal than either Mark or herself. Matt has an available credit of $23.70. Lee explains that Kristy can manage Matt's account under her control. The Account Holder Name is entered as Kristy Evans and the User Name is entered as Matt Evans. She registers Matt's TopItUp account using all her other details including the direct debit authority with the debit card details of her own combined credit/debit card account details. Unlike Mark, Kristy does know her bank details as she makes payments to the electricity account using bPay. She does not want Mark getting ring tones or other promotion, so the 'Send Info Box' on the registration form is not ticked.
  • Lee also gives all three users a 'TopItUp User Guide' and explains each of the basic steps.
  • TopItUp explains that they have to wait to get a notification by SMS from TopItUp before they can access their first TopUp Voucher. This is usually sent by TopItUp within 2 full business days. Business days do not include National Public Holidays. It is already well past the 4pm processing cutoff, which means that the Accounts may not be registered until Tuesday afternoon at the latest. If they had been in before 4pm, they would have made the daily cutoff and be registered before Monday afternoon.
  • John asks whether he could use his Master Card instead.
  • Lee says 'no' as the service has been built around the overwhelming majority of prepaid users who are not credit card holders, and is the only way a prepaid user can avail themselves of the service. Besides, the merchant fees at the moment are too expensive. But he reassures John that in the future this payment method would most likely be available.
  • Lee also explains the section in the User Guide that warns about having sufficient funds in the nominated bank account to cover the cost of the TopUp and points out that the banks will charge hefty funds if the account is overdrawn which will in turn delay delivery of the replacement TopUp. He puts forward the case that by prepaying now all subsequent payments can naturally be budgeted as spending with only monies you currently have available in your account.
  • Lee pulls out the Direct Debit Authority and Registration Form while asking for a copy of a driver's licence or best available ID. He photocopies the ID and commences to fill out the Registration Form first using that information to fulfil Optus' requirement for new customers connecting new or additional prepaid services. Lee is sure to complete every field in the Registration Form accurately and legibly knowing that the process demands the same attention to detail and integrity as do postpaid connections. He doesn't want to lose any revenue possibilities due to sloppy work .
  • Lee is not phased and simply asks for their financial institution's name and branch. They indicate that they are members of the Hornsby Teachers Credit Union as John has his wages paid into this account. As this is not one of the major financial institutions such as Westpac, CBA, ANZ or NAB and is not in the Wollongong telehandset directory area, Lee quickly goes to the web to access the contact handset number for the Credit Union. He keeps a couple of browser applications open on his desktop, one of which is the WhitePages online website www.whitepages.com.au . He quickly types in the information he has into the appropriate fields and clicks 'search'. He checks with John that he has the correct institution and address and rings the number indicated. He hears the recorded message and realises that it is Saturday and that the credit union is closed until Monday.
  • Dealer Perspective Lee is pleased to be able to help the Evan's and at the same time help his own store financially. By taking the extra trouble to mention TopItUp to them when they bought the handsets, they returned to his store when they needed the convenience that TopItUp provides.
  • Lee signed up his Network Communications dealership to become a TopItUp Dealer to stem the 'leakage' from his store of Prepaid customers. Lee knows leakage is occurring because a large number of the people who buy Starter Kits and Prepaid Handsets from him predominately buy TopUp cards from other outlets for customer convenience reasons.
  • Lee had been shown figures that if he started selling TopItUp from day one registering just 25% of prepaid customers coming in store he would be able to stop the 'leaking of his prepaid customer base'. Lee knows it is in the best interest of his store to aggressively push TopItUp to every prepaid customer entering his store convinced that the 'Best of Both Worlds' applies not only to customers but to dealers as well.
  • TopItUp a Dealer Registration Application for a TopItUp Dealer Agreement which includes obligations on the Dealer to honestly represent TopItUp to potential prepaid customers and act with integrity in dealing with TopItUp customers and TopItUp.
  • the Dealer Agreement is renewed annually.
  • the Dealer Agreement applies obligations on the Dealer to ensure • that the Dealer prominently displays TopItUp 's Privacy Statement and understands his role in the privacy obligations as an agent of TopItUp;
  • the Dealer Agreement applies obligations on TopItP to support the Dealer in the following manner: -
  • TopItUp provides a Dealer Manager who also performs the role of TopItUp's Privacy Officer. Dealers would handset the Dealer Manager in the first instance for all support issues;
  • TopItUp will provide a Monthly Commissions Report to the Dealer showing all the ongoing transactions processed within that month for that Dealer;
  • the Dealer is to invoice this amount (inclusive of GST) and fax/email this invoice to ensure prompt payment and followup with the original invoice in the mail. • Upon receipt of fax/email, TopItUp will make a monthly commission payment direct to the Dealers bank account.
  • TopItUp also provides useful management reports to the dealer on a month by month basis in a format that can be imported into an Excel spreadsheet and used for in store sales analysis.
  • the Dealer Agreement is renewed annually by TopItUp.
  • the Dealer Agreement provides for ongoing commissions to a Dealer from the TopItUp customers signed up by the Dealer for the currency of the agreement.
  • TopItUp is administered and operated by the following staff categories performing roles that provide appropriate security access controls to perform their operational responsibilities:-
  • Scheme Administrators have full access to all of the operational management functions of the System and perform financial and settlement administration, customer complaint resolution and fraud management of the system.
  • Financial Administrator - is responsible for the Financial Management of TopItUp including the financial management of the company with specific responsibilities for internal audits of the System and oversight of payment and settlement functions.
  • Dealer Manager overall responsibility for dealer management including dealer appointments, dealer training, dealer support, complaints resolution and dealer collateral.
  • Ann does the follow up of any Bad Debts associated with new users registering to TopItUp. Ann prints a PreRegistered Payment Exception Report which shows her all accounts that have failed the Initial Draw Down of funds for the reasons of Bad Debts (payment declined) or Bad Bank account details (rejected account details).
  • the Report is sorted in reverse date order so Ann can start at the top of the Report and find the Accounts that have failed activation most recently. Ann knows it is important to keep the customers confidence and that this hiccup, if overcome, will ensure the highest rate of ongoing customer satisfaction with minimal cost impact to the customer and TopItUp.
  • Ann will handset the Account Holder directly advising them of the payment decline or bad bank details. Ann informs them that their account cannot be activated until the payment can be cleared or the bank account details made accurate.
  • TopItUp absorbs the merchant dishonour fee of $2.50.
  • Ann When the fax is received, Ann will file the proof of account faxed by the account holder with their registration forms and update the Account with the correct bank accoiunt details and set the state of the account to PreRegistered which will restart the Initial Draw Down..
  • TopItUp performs automatic settlement (with provision of manual override) of settlement of Draw Downs after a maximum of two business days.
  • TopItUp will automatically Activate their Account which will automatically generates a Welcome Message to the Account handset, allocate an entitlement to a TopUp Voucher (known as a PIN by transferring an unallocated PINs to the Allocated PIN Pool associated with the Account Holder's Account.
  • a commission notification email is sent to the dealer known as a Daily Dealer Commission Notification associated with the Account notifying them the Account has been Activated and notifying them of their commission entitlement.
  • the Notification also details the settlement transaction details including the name, account number and the commission amount and customer activity (registration activation or top up).
  • Joe is a Scheme Administrator for TopItUp. He has full access to all of the operational management functions of the System and performs
  • Joe accesses the TopItUp's online bank account from its acquiring bank and exports this information to a Bank Settlement File.
  • the Bank Settlement File shows all batches that were Closed and those that remain Open from the previous evening's settlement by the acquiring bank
  • TopItUp performs a sophisticated clearing process whenever an Scheme Administrator runs the Process Account Statement option. Batches are either Open or Closed.
  • TopItUp knows that every customer transaction in the batch has been accounted for as either cleared (payment received), not cleared (a bad debt) or not processed (a bad bank) by the acquiring bank.
  • Joe uses application software provided by the acquirer bank to upload the Bulk Funds Movement File.
  • TopItUp He is responsible for the Financial Management of . TopItUp including the financial management of the company with specific responsibilities for internal audits of TopItUp and oversight of payment and settlement functions. He is also responsible for authorising and purchase order approval for TopItUp to order additional PINs to replenish the Unallocated Pool with replacement TopUp vouchers from the voucher supplier when the Unallocated Pool quantities fall below the just in time re-order point.
  • Craig is a Customer Care Agent and works in TopItUp's call centre. Craig is trained in handling most customer scenarios and will only pass a call onto an Scheme Administrator in the event of a Customer Compliant. Craig knows the importance of identifying the Account Holder or the Account User as appropriate.
  • Craig normally accesses and Account by the Account Number being the mobile handset number associated with the Account. Craig can access also an Account Holders details by a surname search against the Registration Database and further qualification of the Account Holder.
  • TopItUp When TopItUp Activates Kristy and Matt's accounts, TopItUp sends a Welcoming Message to both handsets stating "Welcome to TopItUp. You can now Request a TopUp. Thank you for using TopItUp"
  • the commission advise for Kristy and Matt's initial TopUp is automatically processed at the end of day settlement run on Tuesday and a settlement advise is generated and emailed to Lee showing details of the commission and the activities that generated the income.
  • TopItUp determines that Mark's funds have cleared and Mark's Account is Activated by TopItUp.
  • Mark now receives an SMS welcoming him to TopItUp and his entitlement to a PIN is made.
  • the Customer's handset number (their account number) is not registered accurately. This could be caused by the number not being recorded accurately on the registration form or incorrectly entered into the Schemes database when registering. The chance of the second reason is minimised as the SO is required to re-enter the account number to verify the entry.
  • a letter may need to be sent to the Account Holder requesting the Account Holder to ring an SO direct and not Customer Care.
  • the SO When the SO attempts to register the new account, the SO will be aware the old account exists and will alloacate a two digit suffix (starting with '00') to the old account number. This action will identify the old account as superceded yet still tied to the old account number and then allow the new account to be established.
  • the TopItUp system receives her request and processes the request within a minute of the SMS being received. Processing the request will select the oldest PIN activation date from the $30 Optus TopUp Pool and sends that PIN as the TopUp Voucher using an SMS to Kristy's mobile handset. If the Reward System is running, Kristy would also get an acknowledgement of the Reward Points due.
  • TopItUp will then start the Draw Down process on Kristy's bank account for a replacement voucher.
  • TopItUp automatically changes Kristy's account state from Active to Pending. Overnight, TopItUp requests the Draw Down from Kristy's bank. At the completion of At the same time that TopItUp will automatically change the state of Kristy's account from Active to Pending, meaning that TopItUp has started a Draw Down process of additional funds from Kristy's bank account.
  • TopItUp will send back the same PIN that was sent on the first request plus a message saying this is the second notification.
  • a third request will likewise resend the TopUp Voucher.
  • the SMS to the customer indicating this is the third and final transmission of the same PIN.
  • TopItUp will not send any further SMSs and will effectively ignore any further SMS received from the account until the funds have been drawn down and a new TopUp Voucher is available to be requested. If the customer handsets Customer Care, the system will provide sufficient information to allow the Customer Care Operator to explain the state of their account.
  • TopItUp always writes the full contents of any SMS received that generates a 'Bad Attempt' to the 'Potential Fraud Log File' in the event that fraud is being attempted on the system.
  • the account will be flagged as 'Blocked' which means that TopItUp will not issue TopUp Vouchers to a Request a TopUp from the account, nor will TopItUp send other SMSs to the account.
  • Blocking an account does not stop TopItUp's automatic processing of account states, performed by TopItUp in Accounts can only be 'Unblocked' by an Scheme Adminstrator. Matt attempts to guess the Password
  • Matt attempts to Request a TopUp guessing the Password that Kristy created for his handset. He types in their dog's name as the password and sends the SMS to TopItUp using his handset.
  • TopItUp When TopItUp receives the SMS, the system verifies Matt's account is is registered with TopItUp but the Password sent does not match the entry in the TopItUp database. TopItUp sends an SMS to Matt's handset which informs the user "Bad attempt, your Password is not correct. If you get it wrong again, call 1300 TOPUPS". The state of the account is 'Active '.
  • Matt panics He calls 1300 TOPUPS on his mobile. He speaks to George from the TopItUp Customer Care Centre. George asks how he can help. Matt says that he has forgotten his Password, can you help. George asks for the Caller's name. Matt gives his name. Other questions would normally follow but George notices that Matt is the Account User and not the Account Holder. George informs Matt that the Account Holder (without identifying the Account Holders name) must contact TopItUp in person. A record of conversation is made.
  • Matt is not one to give up easy, maybe the Password is Kristy's favourite colour. He's not sure what to do. If he gives up and Kristy performs the next TopUp Voucher on Matt's behalf and gets the Password correct, the Bad Attempt logic is broken and the account will operate as normal.
  • TopItUp remembers his first bad attempt. He enters the Password as 'blue' and sends his second SMS attempt to crack the Kristy's Password to TopItUp. When TopItUp cannot validate the password on the second attempt, TopItUp assumes fraud and flags this account as 'Blocked'.
  • a Customer Care Operator accepting a call from an Account Holder with a blocked account will forward the call to an Scheme Administrator who determines whether a fraudulent attempt has been made to access PINs.
  • Kristy makes two attempts to request a TopUp Voucher without receiving any replies from TopItUp. Eventually Kristy calls Customer Care to report the problem.
  • Kristy is passed through to Joe who determines that Kristy is the Account Holder by asking her personal details and verbally verifying her Password.
  • Joe informs her that there have been three recent attempts to request with bad passwords followed by two attempts with correct passwords giving her the date and times.
  • Kristy verifies the two most recent attempts were hers. She is horrified when Joe tells her that a caller identifying themself as Matt had handsetd to ask for the Password.
  • Joe is satisfied that while a fraudulent activity has occurred, that it will remain in the family and that the account can be Acivated which he does. He records the converstion against the account. Kristy can now request a TopUp Voucher.
  • TopItUp When TopItUp gets his SMS, TopItUp does not have an account for the Greg's mobile number and sends back an SMS to Greg's handset informing him "You must Register your handset to use TopItUp at your nearest Network Store or ring 1300 TOPUPS". TopItUp records his handset number in case he decides to send additional requests before Registering with TopItUp. If any subsequent SMSs are sent by Greg, TopItUp will write these attempts to the 'Potential Fraud Log File' to be investigated by an Account Administrator for potential fraud. No further SMSs are sent by TopItUp.
  • TopItUp will also create an entry for the mobile used to initiate the SMS in the 'unregistered handset database' maintained by TopItUp and will maintain logic regarding additional 'Bad Attempts' from this handset.
  • Any Mobile Scenarios 'Any Mobile' is an advance feature that allows a TopItUp user to use any other mobile to send an SMS to TopItUp to request a TopUp in the event that the user's handset does not have sufficient credit to send an SMS.
  • TopItUp requires that any mobile that sends a Request a TopUp to TopItUp is to have the handset setting for 'Caller ID' to be switched ON. This applies to Any Mobile scenarios as well. Kristy sends a TopUp Voucher to Matt using 'Any Mobile'
  • the first method requires Matt to give Kristy his handset. Normally, Kristy would TopUp Matt's handset for him by simply grabbing his handset and sending a TopUp request using the password she created for Mark, sending the SMS and deleting the sent SMS from Matt's handset.
  • TopItUp When TopItUp receives her request, it reads the password supplied and verifies the password against the 10 digit handset number following the space. Any additional spaces entered in the handset number are ignored. They match, so TopItUp sends an SMS to Matt's handset with the TopUp Voucher as if the request were sent from Matt's handset. Matt reads the SMS and enters the TopUp Voucher number after calling '555'. Meanwhile, TopItUp places Matt's account as pending and starts the Draw Down on the bank account details provided by Kristy (as the account holder) when she registered Matt's handset.
  • TopItUp checks the password against the account number provided in the SMS (sent as Mark's handset number)
  • TopItUp sends an SMS to Mark's handset informing him "This is your first attempt using 'Any Mobile' and the password entered is incorrect".
  • TopItUp also writes an entry into Mark is excited when his mobile gets the SMS from TopItUp. He reads the SMS and is dismayed that the Password he entered is wrong. Mark forms another SMS on Greg's handset and tries again. This time when TopItUp receives the second request it knows this is the second attempt using 'Any Mobile' from the same handset. Mark gets the Password right but gets his own handset number wrong by missing one of the digits.
  • TopItUp When TopItUp received the SMS it can't find a match for the account number to verify the password. TopItUp registers this is the second bad attempt from the same 'Any Mobile' handset. Only two attempts are allowed using the 'Any Mobile' feature from the same handset. TopItUp will not respond by sending an SMS on the second attempt or subsequent attempts from the same handset and writes the details of all attempts from the same handset using the 'Any Mobile' feature to a logfile that is reviewed by Joe or another Scheme Administrator as a potential fraud attempt or a denial of service attack.
  • TopItUp would have sent the notification SMS to Greg's handset as the Account Number could not be verified.
  • the SMS sent would inform him "This is your first attempt using 'Any Mobile' and the Handset Number entered is incorrect.”
  • Two Bad Attempts are allowed by a user attempting to use 'Any Mobile' using the same mobile handset.
  • One SMS is sent as a response to the first Bad Attempt.
  • Subsequent SMS received from the same handset are automatically logged to the 'potential fraud log file'.
  • TopItUp will also create an entry for the mobile used to initiate the SMS in the 'unrgeistered handset database' maintained by TopItUp and will maintain logic regarding additional 'bad attempts' from this handset. Since the bad attempts do not originate from the account holders handset, it is not appropriate to Block the account.
  • Closing an account by a customer request involves the Account Holder calling a Customer Care Officer who has the authority to close the Account requiring the Account Holder to supply the Password to verify the action. Once the Account is Cancelled any additional SMSs sent to TopItUp for this account are logged in the 'Potential Fraud Log File' and no other action is taken by TIU. TIU retains all transactions and file notes associated with Cancelled Accounts for database integrity reasons but only an SA and an FA can view the Personal Information.
  • a CCO receives a call from someone claiming to be the Account Holder of a Cancelled Account, the CCO can only verify that the Account Holders name, the Account Number and the fact that the Account was closed on a specific date. Only an SA or an FA can reactivate a Cancelled Account. The following scenarios apply to an Account Holder closing an Account. Active Account is Cancelled - Send TopUp by SMS
  • Matt keeps bugging Kristy for her Password. Kristy thinks enough is enough and decides to close Matt's account. She rings George at Customer Care. After George has identified Kristy as the Account Holder to Matt's Account, Kristy asks George to close the account. Had Matt handsetd and tried to close the account, George would have identified Matt as the Account User and told Matt that only the Account Holder can close the account.
  • TIU SA - Customer is PreRegistered_BadDebt for too long
  • TIU SA - Customer is PreRegistered_BadBank for too long
  • TIU SA - Customer's account considered dormant 13. TIU SA - Other
  • Steps 1 and Step 2 are repeated as above.
  • STEP 4 George tells Kristy the TopUp Voucher is being mailed and that should she desire to reactivate the Account, please handset Customer Care. Thank you for using TopItUp.
  • STEP 5 - George then mails the letter with the TopUp Voucher number to Kristy's address.
  • Pending or PreRegistered Account is Cancelled Had the State of Kristy's Account been Pending or PreRegistered when she handsetd George, George would have repeated Steps 1 and Step 2 as if the account was Active.
  • Blocking the Account means that whenever an SA runs a Blocked Accounts Report, Kristy's account will show.
  • TopUp Voucher You can ring TopItUp 's Financial Department on XXXXXX to discuss ' and Cancels the Account.
  • TopItUp would have issed a TopUp Voucher had it been requested. If Greg had received a TopUp Voucher within the past 24 hours, TopItUp would have made a Draw Down on his bank account and TopItUp's logic would continue unaffected updating the processing state of his account regardless of whether the account is flagged Blocked or Unblocked including the rules associated with bad debt processing etc.
  • TopItUp will log the SMS request to be investigated for fraud.
  • Scheme Administrator reviews the 'potential fraud log files', a decision is made according to TopItUp's current security policy whether to inform the police.
  • the potential fraud log files contain all details of SMS's sent to TopItUp that are written to the potential fraud log file.
  • the state of Greg's account was Active when the SIM was reported stolen so Greg is entitled to a TopUp Voucher. Unless the State of Greg's account is 'Bad Debt' or ' PreRegistered_Pending', Greg would eventually be entitled to a TopUp Voucher. Craig asks Greg if he is going to get another Starter Kit and if so, does he want the new SIM to be re-registered with TopItUp in place of the stolen SIM. Greg says 'Yes' and Craig asks Greg to purchase a new Starter Kit from his nearest Network Store and tell the Dealer he is reregistering his account. Craig records Greg's decision on the file note to his account.
  • Greg Re-Registers his Stolen Account The state of Greg account remains Blocked until he gets a new Starter Kit (and possibly a new or secondhand handset to replace his Father's stolen handset). He goes to the Dapto Network Communication Store and tells Jock that he wants to buy a Starter Kit and use it to Re-Register a his account. Jock gets Greg to complete a Registration Form and Direct Debit Authority. When completing the Registration Form, Jock gets him to tick the 'Are you Re-Registering an Existing Account' box and Jock asks him to complete the space titled 'Old Handset Number' with the number of his stolen mobile. Jock explains his new account should be registered overnight.
  • the system changes the state of the old account to Cancelled, creates a link to the new account, changes the state of the new account to Active and sends an SMS to Greg's new account welcoming him to TopItUp.
  • Greg could Request a TopUp immediately and TopItUp would send the TopUp Voucher to his new account.
  • TopItUp will provide Personal Information to Registered Account Holders only.
  • TopItUp will send an SMS to account holders handset "Your password has been successfully changed". In this instance, the Account Holder and User are different people, so TopItUp does not send an SMS.
  • the System handles the situation of a TopUp Voucher changing value. Since the Account Holder has an entitlement to a TopUp Voucher, the next time a Recharge Order is received, the TopUp delivered is valued at the old TopUp Voucher value and the new voucher is ordered and payment made at the new TopUp Voucher Value. Vouchers are supplied GST Free
  • GTS is not paid by the customer on purchase but is levied and paid by the carrier as the service is used independent of the System.
  • TopItUp will not allow a user to attempt to use the 'Any Mobile' feature using a web based SMS service such as Optus' Info2You service for security reasons.

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  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
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  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

L'invention concerne un système et un procédé permettant à un abonné d'un réseau de communication sans fil d'obtenir sans fil et instantanément des produits et/ou des services prépayés au moyen de leur dispositif sans fil et par inscription en tant que client auprès d'un programme par l'intermédiaire duquel le prépaiement des produits et/ou des services prépayés est maintenu à partir de l'établissement ou du compte du client auprès d'une institution financière. Par ailleurs, des clients peuvent acheter des produits et/ou des services instantanément sur une base d'attribution exceptionnelle et payer ces produits et/ou services en effectuant un virement auprès du programme. Des clients peuvent également acheter des produits et/ou des services auprès de tierces parties agréées par l'intermédiaire du site web, du service de vente par correspondance ou par téléphone ou du service sans fil de ces tierces parties, ou d'autres procédés faisant appel à une liaison sécurisée au niveau de l'authentification du programme et/ou des procédés d'autorisation de paiement.
PCT/AU2003/001126 2002-09-03 2003-09-03 Systeme et procede destines a faciliter une demande d'achat sans fil et le paiement de biens ou de services WO2004023353A1 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU2003257242A AU2003257242A1 (en) 2002-09-03 2003-09-03 System and method for a wireless purchase request and payment for goods or services

Applications Claiming Priority (2)

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AU2002951198 2002-09-03
AU2002951198A AU2002951198A0 (en) 2002-09-03 2002-09-03 System and method for a wireless purchase request and payment for goods or services

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WO2004023353A1 true WO2004023353A1 (fr) 2004-03-18

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Cited By (9)

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WO2007053117A1 (fr) * 2005-11-04 2007-05-10 Utiba Pte Ltd Telephone mobile utilise en tant que dispositif de point de vente (pos)
US8060392B2 (en) 2007-10-31 2011-11-15 Childcare Education Institute, Llc Professional development registry system
US8538845B2 (en) 2011-06-03 2013-09-17 Mozido, Llc Monetary transaction system
US20140214423A1 (en) * 2013-01-31 2014-07-31 International Business Machines Corporation Technology For Combating Mobile Phone Criminal Activity
AU2012216294B2 (en) * 2005-11-04 2014-11-20 Utiba Pte Ltd Mobile phone as a point of sale (POS) device
AU2012227312B2 (en) * 2005-11-04 2014-11-20 Utiba Pte Ltd Mobile phone as a point of sale (POS) device
US9208488B2 (en) 2011-11-21 2015-12-08 Mozido, Inc. Using a mobile wallet infrastructure to support multiple mobile wallet providers
WO2016038574A1 (fr) * 2014-09-11 2016-03-17 Altron Tmt (Pty) Limited Système et procédé de rechargement d'un carte sim de dispositif mobile au moyen d'un boîtier décodeur
US10438196B2 (en) 2011-11-21 2019-10-08 Mozido, Inc. Using a mobile wallet infrastructure to support multiple mobile wallet providers

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US6236851B1 (en) * 1994-12-23 2001-05-22 Freedom Wireless, Inc. Prepaid security cellular telecommunications system
WO2001074974A2 (fr) * 2000-03-31 2001-10-11 Siemens Aktiengesellschaft Procede et agencement de transmission de donnees
US20020065774A1 (en) * 1999-11-30 2002-05-30 Alan Young System and method for performing an electronic transaction using a transaction proxy with an electronic wallet
US20020115424A1 (en) * 2001-02-20 2002-08-22 Bagoren Sevket Ilhan Replenishment of pre-paid wireless telephone accounts using short message service (SMS)

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US4706275A (en) * 1985-11-13 1987-11-10 Aerotel Ltd. Telephone system
US6236851B1 (en) * 1994-12-23 2001-05-22 Freedom Wireless, Inc. Prepaid security cellular telecommunications system
US20020065774A1 (en) * 1999-11-30 2002-05-30 Alan Young System and method for performing an electronic transaction using a transaction proxy with an electronic wallet
WO2001074974A2 (fr) * 2000-03-31 2001-10-11 Siemens Aktiengesellschaft Procede et agencement de transmission de donnees
US20020115424A1 (en) * 2001-02-20 2002-08-22 Bagoren Sevket Ilhan Replenishment of pre-paid wireless telephone accounts using short message service (SMS)

Cited By (15)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
AU2012216294B2 (en) * 2005-11-04 2014-11-20 Utiba Pte Ltd Mobile phone as a point of sale (POS) device
AU2012227312B2 (en) * 2005-11-04 2014-11-20 Utiba Pte Ltd Mobile phone as a point of sale (POS) device
WO2007053117A1 (fr) * 2005-11-04 2007-05-10 Utiba Pte Ltd Telephone mobile utilise en tant que dispositif de point de vente (pos)
US10296886B2 (en) 2005-11-04 2019-05-21 Utiba PTE, Ltd. Mobile phone as point of sale (POS) device
US8060392B2 (en) 2007-10-31 2011-11-15 Childcare Education Institute, Llc Professional development registry system
US9892386B2 (en) 2011-06-03 2018-02-13 Mozido, Inc. Monetary transaction system
US8538845B2 (en) 2011-06-03 2013-09-17 Mozido, Llc Monetary transaction system
US11295281B2 (en) 2011-06-03 2022-04-05 Fintiv, Inc. Monetary transaction system
US11120413B2 (en) 2011-06-03 2021-09-14 Fintiv, Inc. Monetary transaction system
US9208488B2 (en) 2011-11-21 2015-12-08 Mozido, Inc. Using a mobile wallet infrastructure to support multiple mobile wallet providers
US10438196B2 (en) 2011-11-21 2019-10-08 Mozido, Inc. Using a mobile wallet infrastructure to support multiple mobile wallet providers
US11468434B2 (en) 2011-11-21 2022-10-11 Fintiv, Inc. Using a mobile wallet infrastructure to support multiple mobile wallet providers
US9264532B2 (en) * 2013-01-31 2016-02-16 International Business Machines Corporation Technology for combating mobile phone criminal activity
US20140214423A1 (en) * 2013-01-31 2014-07-31 International Business Machines Corporation Technology For Combating Mobile Phone Criminal Activity
WO2016038574A1 (fr) * 2014-09-11 2016-03-17 Altron Tmt (Pty) Limited Système et procédé de rechargement d'un carte sim de dispositif mobile au moyen d'un boîtier décodeur

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