BG65608B1 - Method of payment through a communications operator - Google Patents

Abstract

The invention relates to a method of payment through a communications operator, and is used in the payment of various goods and services as well as in betting and gambling. Under the method, a subscriber (1) to a communications operator (3), through a remote communication device, sends to the communications operator (3) a short message (8) generating a request-address for a mode of payment with identification data of the recipient (4) of the payment. The communications operator (3) sends back to the subscriber (1) an automatically generated message that contains financial identification data of the recipient of the payment, as well as a payment request form. After receipt of the form completed by the subscriber the operator (3), through an internal order (7), carries out the payment (6) between the subscriber (1) and the recipient (4). The operator (3) produces messages concerning the transfer and sends them to the subscriber (1) and to the payment recipient (4). The payment data is memorized, and after that transfer reports are issued as well as primary accounting documents.

Description

Technical field

The invention relates to a method of payment through a communication operator and finds application in the payment of various types of goods and services, as well as in betting and gambling.

BACKGROUND OF THE INVENTION

Methods of credit card and debit card payment through a communications operator are known, in which the communication operator is merely an information intermediary for banking or other financial services provided, without clearly identifying and documenting the money transfer with the communication operator. These methods are of limited practical use because, in order to proceed with the payment, it is necessary for the subscriber to have in advance a credit or debit card or other type of agreement with another financial service provider.

There are known methods, mainly in the field of providing the parking service, such as WO 1996/011453, WO1997 / 019568, WO1999 / 010844 and WO 1999/048062, whereby by calling and / or sending a message via a mobile telephone device included in the system of the mobile communication operator by the user of the parking service is identified the beginning and the end of the period of stay of the vehicle, the area in which it is located, the vehicle is identified and on these indicators the price of the service provided due to the operator is determined. zone and parking. Payment is made by any of the usual methods, such as cash payment, prepaid parking cards, credit cards, and more.

WO 2002/025973 is known for paying parking fees through a mobile communication device. In this method, the user of the mobile communication device is provided with an identification code and / or a specific number. According to the known method or communication, a communication operator sends a short message via mobile phone to determine the type of service, after receiving and recognizing the message the duration of the parking stay is determined and payment is made from the subscriber's account.

However, the known method does not allow for payments in which the parties are free to determine the object and value of the payment. The known method is not based on pre-existing contractual trust payments between the communications operator and the subscribers of users of its communications services.

SUMMARY OF THE INVENTION

It is an object of the invention to provide a method of payment for various types of goods and services, as well as betting and gambling through a communications operator, based on pre-existing contractual trust payment relationships between the communication operator and its subscribers.

The task is solved by a payment method in which a subscriber to a communication operator sends a short message via remote communication means to determine the type of service and / or payee and / or the value of the service, after payment is received and recognized. .

According to the invention, a short message from the subscriber is sent to the communication operator. This message generates a payment request request and contains the telephone number and / or other identification of the payee. Upon receipt of the message, the communication operator sends a return message to the subscriber, the return message being automatically generated and containing financial identification data for the payee and information content as a form of payment request. The subscriber fills in the form of a payment request and sends it to the operator. The operator makes an internal payment by paying between the subscriber and the recipient. The operator then creates and sends messages for the completed translation,

65608 Bl both to the subscriber and to the recipient. The payment information is saved and then reports on the executed translation and primary accounting documents are issued.

During the payment it is planned to send a message to the subscriber for an error and a new start or for a permit mode.

In one embodiment of the method, the subscriber and the payee are subscribers to the same communication operator.

According to another embodiment of the method, the payee is a subscriber to another operator.

According to another embodiment of the method, the form for filling in the short message from the subscriber, which is sent to the communication operator for generating a request-request for payment mode, is started by pressing only one button - "pay" button.

In another embodiment of the method, the subscriber directly completes and sends, via a short message to the communication operator, the form of a payment request, having the necessary information obtained in any of the usual ways.

When the method is used for betting and gambling, then the return message from the communication operator to the subscriber also contains information content as a form of betting which the subscriber completes and returns to the operator. The operator makes an internal payment by paying between the subscriber and the recipient. After the payment is made between the subscriber and the payee, the payment is confirmed by an additional address to the payee through a normal or secure channel. An encrypted certificate of the contents of the message shall be issued, containing, in addition to the customer's identification, ordering the payment and the respective game combination or range of bets, betting value and betting session, as well as any additional attributes required by the game organizer or betting.

Description of the attached figures

Figure 1 is a schematic outline of the method used to pay for the purchase of goods and / or services;

Figure 2 is a schematic outline of the method, when used for payments in gambling and / or betting in cases where the encrypted certificate is issued by the payee;

Figure 3 - schematic representation of a mobile phone with a special button for initiating and / or confirming payment by the method - "pay" button;

Examples of carrying out the invention

In order to fully clarify the proposed method, three possible embodiments are outlined below.

Example 1. In one case, it is possible to apply the method, via a mobile communication apparatus, to a part of the network of a mobile communication operator 3, with the subscriber 1 being informed only of the telephone number or other identification of the payee in advance. via his mobile phone compiles and sends to a predefined number a short text message (SMS) 8 containing the telephone number or other identification of the payee 4. For the communication operator 3, this is a request-address and mode of payment. The server of the communication operator generates an automatic message 5 - reply to the subscriber 1 containing data identifying the payee 4 and information content as a form of payment request. Subscriber 1 fills in the form, noting for example only the value of an order or just confirming it and sending it, via his mobile phone, as a short text message (SMS) to the previously announced number of the communication operator 3. Operator 3, based on the received by the subscriber 1 message 2, by internal order 7 to its payment server, transfers amount 6 from the subscriber's account 1, ordering the payment to the account of the recipient 4. Then the operator sends short text messages (SMS) 10 to the mobile communications our devices both sides in settlement confirms that carrying out his or sends an error message. If the account of the payee is paid

65608 Referral 4 is not with the mobile communication operator 3, the message confirming the payment made 10 to the recipient 4 may be sent in some other known manner. Payment information is stored 11 in an operator-supported database for the purpose of issuing reports and primary accounting documents, which arrive on both sides of the payment with the monthly telephone bill or in another way agreed with the mobile communications operator.

Example 2. In one case, it is possible to apply, through a mobile communications apparatus, a part of the network of a mobile communication operator 3, with the subscriber 1 being informed in advance about the identification of the payee 4, the reason and value of the service on any of the the usual ways.

Subscriber 1 creates a short text message (SMS) 2 containing data identifying the payee 4 as well as information content, such as a payment request containing, for example, an order number and value and sends it to the operator 3 at a predetermined number for the purpose of payment order. Operator 3, based on message 2 received from subscriber 1, transfers an amount 6 from subscriber's account 1 ordering payment to the payee's account by internal order 7 to its payment server. Then operator 3 sends short text messages (SMS) 10 to mobile communication devices on both sides of the payment, confirming the payment or sending an error message. If the payee's account 4 is not with the mobile carrier 3, the payment confirmation confirmation message 10 to the payee 4 may be sent in some other known manner. Payment information is stored 11 in an operator-supported database for the purpose of issuing reports and primary accounting documents, which arrive on both sides of the payment with the monthly telephone bill or in another way agreed with the mobile communications operator.

Example 3. In one case, it is possible to apply the method, via a mobile communication apparatus, to a part of the network of a mobile communication operator 3 for the purpose of payment for participation in gambling and / or betting, with the subscriber 1 being informed only of the telephone in advance. number or other identification of the organizer of the games of chance and / or betting 4.

Subscriber 1, through his mobile phone, compiles and sends to the pre-announced number a short text message (S.MS) 8 containing the telephone number or other identification of the organizer of the gambling games and / or betting. For Communication Operator 3, this is a payment request request. The server of the communication operator generates an automatic message 5 - reply to the subscriber 1 containing data identifying the payee 4 and the form of payment and bet request. Subscriber 1 completes the form, noting for example the combination to which he bets and the value of the bet and sends the completed information via his mobile phone, as a short text message (SMS) 2 to the previously announced number of the communication operator 3. Operator 3, based on message 2 received from subscriber 1, by internal order 7 to his / her payment server, transfers amount 6 from the subscriber's account 1 ordering the payment to the payee's account 4. After making a payment between subscriber 1 and the organization of gambling and / or betting 4, the payment 6 is confirmed by an additional address 12 to the organizer of the gambling and / or betting, via normal or secure channel, for the purpose of receiving verification 13, as an encrypted certificate of the contents of the message containing in addition to customer identification 1 ordering the payment and the relevant game combination or range of bets, betting value and betting session, as well as any required by the game organizer and / or betting additional attributes. After the payment 6 is made, the payment is confirmed by addressing the remote communication device of the subscriber 1 and to the payee 4 by sending a short message (SMS) 10 to confirm the payment containing verification, such as an encrypted certificate 13 issued by the organizer of the games and / or betting4

65608 Block 4 or verification, such as an encrypted certificate issued by the communications operator 3.

Payment information is stored 11 in an operator-supported database for the purpose of issuing reports and primary accounting documents, which arrive on both sides of the payment with the monthly telephone bill or in another way agreed with the mobile communications operator.

The above examples of the use of the method are far from exhaustive of its possible applications and should not be construed as restrictive in its application.

Application of the invention

The method is applicable as an alternative method of payment, especially when it concerns relatively small amounts. For example, payment by mobile phone for bills for purchased goods, restaurant services, fees, supplies and any other payments that accompany everyday life. Of interest are payments by the method, through a communication operator, when participating in gambling or betting, such as toto, lotto and more.

The method includes the following steps.

1. The subscriber of a communications operator, through his remote communication device, creates a message containing data identifying the payee and information content as a payment request and sends it to a predetermined number and / or other address of the operator for the purpose of ordering payment.

2. The operator, on the basis of the message received from the subscriber, by internal order, makes a payment between the subscriber and the payee.

3. The operator shall make and send messages for the payment made to the remote communication device of the subscriber and to the recipient.

4. Payment information shall be stored and then a statement of accounts and primary accounting documents shall be issued.

It is envisaged that when a payment recipient is incorrectly identified and / or a message is filled in incorrectly as a payment request by the subscriber and / or other error, a message is sent to the remote communication device of the subscriber for an error and a new start during the payment. or authorization mode, if necessary.

In cases where the subscriber intends to make a payment by freely identifying the recipient without having advance information, except for example his telephone number, this method enables two basic types of approach to facilitate the realization of the payment:

A. Advance addressing of the communication operator, by means of a short message sent from the remote communication device of the subscriber to a predetermined number and / or other type of address, to generate a payment request request. This approach consists of the following steps that are taken before sending the message described above, as a payment request to the communications operator:

1. The subscriber shall send, via his remote communication device, a short message to the communication operator containing the telephone number or other identification of the payee in order to generate a payment request request.

2. The communications operator shall send a return message to the remote communication device of the subscriber, which shall automatically generate a return message and contain data identifying the payee and information content as a form of payment request.

3. The subscriber then completes the form and sends it from his remote communication device as a message, as a payment request to the communication operator, according to the sequence of steps described above.

B. Addressing the communication operator, by dialing, to a predefined telephone number of the operator in advance to generate a request - a request for payment mode. This approach consists of the following steps, which are carried out before sending the message described above, as a payment request to the communication operator:

1. The subscriber dials a specific telephone through the remote communication device

65608 Bl operator number, after which the subscriber dials the telephone number or other identification of the payee in order to generate a payment request request.

2. The communications operator shall send a return message to the remote communication device of the subscriber, which shall automatically generate a return message and contain data identifying the payee and information content as a form of payment request.

3. The subscriber then completes the form and sends it from his remote communication device as a message, as a payment request to the communication operator, according to the sequence of steps described above.

Obviously, the method is also applicable to payments between subscribers of one communications operator. In the case of agreements between different communications operators, the method is also applicable to payments between clients of more than one communications operator. In the case of payments between the customers of one or more communication operators, a return message about the payment made shall also be sent to the recipient's remote communication device.

With this type of payment, the transfer of funds can be made between the accounts existing with the communication operator of its subscribers.

It is envisaged that the payment can be made by associating a number of fee units and / or value added units with the payee at the expense of the subscriber requesting the payment.

The method provides for the form to fill in a message identifying the payee and the information content, such as a payment request or the form for filling out a short message from the subscriber, which is sent to the communication operator to generate a request-request for payment or telephone number to be dialed to generate a request - call for payment mode, to be started by the subscriber by pressing only one button located on the remote communication device of the subscriber - "pay" - b drowning. The same button can also be used to send a message containing the payee's identification and information content as a payment request.

The invention provides additional steps for cases where payments related to participation in gambling and / or betting are made:

1. The message created by the subscriber containing data identifying the payee and form of payment request shall also contain a completed betting form.

2. The return message, where the method is applied with the forwarding of the communication operator to generate a request - a payment form request, also contains a betting form.

3. After making a payment between the subscriber and the payee, the payment shall be confirmed by an additional address to the payee via a normal or secure channel for the purpose of receiving verification, as an encrypted certificate of the contents of the message containing, in addition to the identification of the customer ordering the payment and the relevant game combination or range of bets, betting value and betting session, as well as any additional attributes required by the organizer of the game or betting.

4. After making a payment between the subscriber and the payee, the payment shall be confirmed by addressing the subscriber's remote communication device and payee by sending a short message confirming the payment containing verification, such as an encrypted certificate issued by the game organizer and / or betting or verification, such as an encrypted certificate issued by the communications operator.

Claims (13)

Claims 1. A payment method in which a subscriber to a communications operator sends a short message via the remote communication device to determine the type of service, after receiving and recognizing the message the payment is made, characterized in that the short message (8) by the subscriber (1) is sent to the communication operator 65608 Bl (3), the message generating a payment request request and containing the telephone number or other identification of the payee (4), the communication operator (3) sending a return message (5) to the subscriber (1), which return message (5) is automatically generated and contains financial identification data for the payee (4) and a form of payment request, after which the subscriber (1) completes the form of payment request (2) and sends it to the operator ( 3), in which the operator (3) makes payments by internal order (7) not (6) between the subscriber (1) and the recipient (4), after which the operator (3) creates and sends messages (10) for the executed transfer to the subscriber (1) and the recipient (4), the payment data being stored (11 ) and then translation reports and primary accounting documents are issued. Payment method according to claim 1, characterized in that during the payment (6) a message is issued to the subscriber (1) about an error and a new start or for authorization mode. Payment method according to claims 1 and 2, characterized in that the subscriber (1) and the recipient (4) are subscribers of the same operator (3). Payment method according to claims 1 and 2, characterized in that the recipient (4) is a subscriber to another communication operator. Payment method according to claims 1 and 2, characterized in that the form for filling in the short message (8) from the subscriber (1), which is sent to the communication operator (3) for generating a request-request for mode of communication payment is started by pressing only one button - "pay" - button. 6. A payment method in which a subscriber to a communications operator sends a short message via the remote communication device to determine the type of service, after receiving and recognizing the message the payment is made, characterized in that the short message (8) by the subscriber (1) is sent to the communications operator (3), this message generates a payment request request and contains the telephone number or other identification of the payee (4), sending the communication operator (3) but a message (5) to the subscriber (1), which returns a message (5) automatically and contains data identifying the payee (4) and a form of payment and bet request that the subscriber (1) completes and returns to the operator (3), whereby the operator (3), by internal order (7), makes payment (6) between the subscriber (1) and the recipient (4), whereupon the payment (6) is made between the subscriber (1) and the recipient (4) , the operator (3) confirms the payment by an additional address (12) to the payee (4) of the payment via a normal or secure channel, k the payee (4) issues the verification, as an encrypted certificate (13), of the contents of the message containing both the customer identification ordering the payment and the respective gaming combination or range of bets, betting value and betting session, and all required by the organizer of the game or betting additional attributes, after which a short message (10) is sent to the payee (4) and to the subscriber (1) to confirm the payment containing verification, such as an encrypted certificate (13) issued by uchatelya payment (4) and / or of the communications operator (3). Ί. Payment method according to claim 6, characterized in that during the payment (6) a message to the subscriber (1) is issued about an error and a new start, or for the authorization mode. Payment method according to claims 6 and 7, characterized in that the subscriber (1) and the payee (4) have contractual relations with the same operator (3). Payment method according to claims 6 and 7, characterized in that the payee (4) has contractual relations with another communications operator. Payment method according to claims 6 and 7, characterized in that the form for filling in the short message (8) from the subscriber (1), which is sent to the communication operator (3) for generating a request-request for the mode of payment payment is started by pressing only one button - "pay" - button. Attachment: 3 figures 65608 Bl Figure 1 65608 Bl Figure 1, legend: 1. A subscriber of a communication operator making payment by the method 2. Communication to the communications operator containing data identifying the recipient and form of payment request 3. Communication operator 4. Payee 5. A return message from a communications operator to the remote communication device of the subscriber containing data identifying the recipient and form of payment request 6. Payment between the subscriber and the recipient 7. Internal payment order 8. Request message - request for payment mode from the subscriber to the communication operator 9. Internal feedback from the server of the communication operator for successful payment or error 10. Feedback from the communication operator to the subscriber and the recipient for confirmation of payment or error 11. Storing the data for the payment made in the database of the communication operator 65608 Bl 65608 Bl Figure 2, legend: 1. A subscriber of a communication operator making payments by the method of participation in games of chance and / or betting 2. Communication to the communications operator containing data identifying the recipient and form of payment and bet request 3. Communication operator 4. Payee - organizer of gambling and / or betting 5. Feedback from the communication operator to the remote communication device of the subscriber, containing data identifying the recipient and form of payment and bet request 6. Payment between the subscriber and the recipient 7. Internal payment order 8. Request message - request for payment mode from the subscriber to the communication operator 9. Internal feedback from the server of the communication operator for successful payment or error 10. Feedback from the communication operator to the subscriber and the recipient for confirmation of payment or error - in the case of payment made, it is accompanied by verification as an encrypted certificate 11. Storing the data for the payment made in the database of the communication operator 12. Additional address to the payee via the normal or secure channel for the purpose of receiving verification as encrypted certificate of the contents of the message 13. Verification as an encrypted certificate prepared by the organizer of the gambling and / or betting