BR0007964A - Method for making cashless payments and system for implementing the method - Google Patents

Method for making cashless payments and system for implementing the method

Info

Publication number
BR0007964A
BR0007964A BR0007964-2A BR0007964A BR0007964A BR 0007964 A BR0007964 A BR 0007964A BR 0007964 A BR0007964 A BR 0007964A BR 0007964 A BR0007964 A BR 0007964A
Authority
BR
Brazil
Prior art keywords
cell phone
implementing
comparison device
merchant
money
Prior art date
Application number
BR0007964-2A
Other languages
Portuguese (pt)
Inventor
Mathias Entenmann
Original Assignee
Paybox Net Ag
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 Paybox Net Ag filed Critical Paybox Net Ag
Publication of BR0007964A publication Critical patent/BR0007964A/en

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/16—Payments settled via telecommunication systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3223—Realising banking transactions through M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3229—Use of the SIM of a M-device as secure element
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
    • G06Q20/425—Confirmation, e.g. check or permission by the legal debtor of payment using two different networks, one for transaction and one for security confirmation

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Theoretical Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Computer Security & Cryptography (AREA)
  • Mobile Radio Communication Systems (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Telephonic Communication Services (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)
  • Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)
  • Devices For Checking Fares Or Tickets At Control Points (AREA)
  • Telephone Function (AREA)
  • Cash Registers Or Receiving Machines (AREA)

Abstract

Patente de Invenção: "MéTODO PARA EFETUAR PAGAMENTOS SEM DINHEIRO E SISTEMA PARA IMPLEMENTAR O MéTODO". O objetivo da presente invenção é proporcionar um método para pagamento sem dinheiro simples, mas seguro, especialmente em localizações diferentes e um sistema para implementar o método. No método de acordo com a invenção, uma quantidade de dinheiro é lida em uma estação de comerciante e transmitida para um dispositivo de comparação junto com um código de identificação da estação do comerciante, os dados sendo armazenados neste meio tempo no dispositivo de comparação. O pagador envia o código de identificação da estação do comerciante através de um telefone celular móvel para o dispositivo de comparação, que compara o código de identificação com este dos dados armazenados e transmite a quantidade de dinheiro correspondente para o telefone celular. A confirmação do pagamento é requisitada e transmitida para o dispositivo de comparação que transmite uma entrada de conta correspondente para um dispositivo de manutenção de conta. O sistema para implementar o método inclui um telefone celular, que opera em uma rede de telefones celulares, uma estação de comerciante e um dispositivo de comparação que pode ser conectado com o telefone celular e com a estação do comerciante através de telecomunicações e/ou links de dados.Invention Patent: "METHOD FOR MAKING PAYMENTS WITHOUT MONEY AND SYSTEM FOR IMPLEMENTING THE METHOD". The aim of the present invention is to provide a simple but secure method of payment without cash, especially in different locations and a system for implementing the method. In the method according to the invention, an amount of money is read at a merchant station and transmitted to a comparison device along with a merchant station identification code, the data being stored in the meantime in the comparison device. The payer sends the identification code of the merchant's station via a mobile cell phone to the comparison device, which compares the identification code with this one of the stored data and transmits the corresponding amount of money to the cell phone. Payment confirmation is requested and transmitted to the comparison device that transmits a corresponding account entry to an account maintenance device. The system for implementing the method includes a cell phone, which operates on a cell phone network, a merchant station and a comparison device that can be connected with the cell phone and the merchant station via telecommunications and / or links of data.

BR0007964-2A 1999-02-02 2000-02-01 Method for making cashless payments and system for implementing the method BR0007964A (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
DE19903822A DE19903822C2 (en) 1999-02-02 1999-02-02 Procedure for making cashless payments and system for performing the procedure
PCT/EP2000/000772 WO2000046768A1 (en) 1999-02-02 2000-02-01 Method for carrying out cash-free payments and system for carrying out said method

Publications (1)

Publication Number Publication Date
BR0007964A true BR0007964A (en) 2001-11-06

Family

ID=7895963

Family Applications (1)

Application Number Title Priority Date Filing Date
BR0007964-2A BR0007964A (en) 1999-02-02 2000-02-01 Method for making cashless payments and system for implementing the method

Country Status (20)

Country Link
EP (1) EP1149367A1 (en)
JP (1) JP2002541535A (en)
KR (1) KR20010108166A (en)
CN (1) CN1204535C (en)
AU (1) AU2800400A (en)
BR (1) BR0007964A (en)
CA (1) CA2361489A1 (en)
CZ (1) CZ301247B6 (en)
DE (1) DE19903822C2 (en)
HR (1) HRP20010568B1 (en)
HU (1) HU227291B1 (en)
IL (1) IL144571A0 (en)
ME (1) ME01248B (en)
MX (1) MXPA01007779A (en)
NO (1) NO20013777L (en)
RS (1) RS49614B (en)
RU (1) RU2242795C2 (en)
TR (1) TR200102216T2 (en)
WO (1) WO2000046768A1 (en)
ZA (1) ZA200105872B (en)

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JP4555120B2 (en) * 2005-02-23 2010-09-29 株式会社大和証券グループ本社 Server system, method and program
US7831520B2 (en) 2005-06-28 2010-11-09 Ebay Inc. Mobile device communication system
US20080126251A1 (en) * 2006-09-21 2008-05-29 Tomas Karl-Axel Wassingbo System and method for utilizing a portable network device to initiate and authorize a payment transaction
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Also Published As

Publication number Publication date
CZ301247B6 (en) 2009-12-16
CN1339146A (en) 2002-03-06
AU2800400A (en) 2000-08-25
HRP20010568A2 (en) 2002-08-31
HUP0105475A2 (en) 2002-04-29
CZ20012663A3 (en) 2002-02-13
NO20013777D0 (en) 2001-08-01
DE19903822A1 (en) 2000-08-10
HRP20010568B1 (en) 2011-10-31
JP2002541535A (en) 2002-12-03
MXPA01007779A (en) 2003-07-14
NO20013777L (en) 2001-09-27
CA2361489A1 (en) 2000-08-10
WO2000046768A1 (en) 2000-08-10
CN1204535C (en) 2005-06-01
ZA200105872B (en) 2002-09-10
EP1149367A1 (en) 2001-10-31
HU227291B1 (en) 2011-02-28
RS49614B (en) 2007-08-03
IL144571A0 (en) 2002-05-23
RU2242795C2 (en) 2004-12-20
ME01248B (en) 2007-08-03
TR200102216T2 (en) 2002-01-21
KR20010108166A (en) 2001-12-07
DE19903822C2 (en) 2001-09-20
YU54801A (en) 2003-01-31

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Legal Events

Date Code Title Description
B08F Application dismissed because of non-payment of annual fees [chapter 8.6 patent gazette]

Free format text: REFERENTE A 4A, 5A, 6A, 7A E 8A ANUIDADES.

B08K Patent lapsed as no evidence of payment of the annual fee has been furnished to inpi [chapter 8.11 patent gazette]

Free format text: REFERENTE AO DESPACHO 8.6 PUBLICADO NA RPI 1925 DE 27/11/2007.