BR0117164A - Ativador universal de pagamentos através de rede de telefonia móvel - Google Patents

Ativador universal de pagamentos através de rede de telefonia móvel

Info

Publication number
BR0117164A
BR0117164A BR0117164-0A BR0117164A BR0117164A BR 0117164 A BR0117164 A BR 0117164A BR 0117164 A BR0117164 A BR 0117164A BR 0117164 A BR0117164 A BR 0117164A
Authority
BR
Brazil
Prior art keywords
mobile phone
user
phone network
paycard
validate
Prior art date
Application number
BR0117164-0A
Other languages
English (en)
Inventor
Ana Nunez
Jose Antonio Gallego Gonzalez
Original Assignee
Servicios Para Medios De Pago
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 Servicios Para Medios De Pago filed Critical Servicios Para Medios De Pago
Publication of BR0117164A publication Critical patent/BR0117164A/pt

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
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102—Bill distribution or payments
    • 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
    • G06Q20/326—Payment applications installed on the mobile devices
    • G06Q20/3263—Payment applications installed on the mobile devices characterised by activation or deactivation of payment capabilities
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/342—Cards defining paid or billed services or quantities
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/347—Passive cards
    • 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
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • 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
    • 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
    • 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/02—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices
    • G07F7/025—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices by means, e.g. cards, providing billing information at the time of purchase, e.g. identification of seller or purchaser, quantity of goods delivered or to be delivered
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1025—Identification of user by a PIN code
    • G07F7/1075—PIN is checked remotely
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/12—Card verification

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Computer Security & Cryptography (AREA)
  • Development Economics (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Technology Law (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Telephone Function (AREA)
  • Mobile Radio Communication Systems (AREA)
  • Telephonic Communication Services (AREA)
  • Steering Control In Accordance With Driving Conditions (AREA)
  • Fire-Extinguishing Compositions (AREA)
  • General Preparation And Processing Of Foods (AREA)
  • Fats And Perfumes (AREA)
  • Display Devices Of Pinball Game Machines (AREA)
  • Cosmetics (AREA)

Abstract

"ATIVADOR UNIVERSAL DE PAGAMENTOS ATRAVéS DE REDE DE TELEFONIA MóVEL". Com base em um sistema de compras no qual o titular de um telefone móvel entra em um acordo com uma entidade financeira que associa o mesmo a um cartão de pagamento no qual poderá posteriormente debitar as suas compras, de maneira que em cada compra deve fornecer o seu número de telefone para que em um centro de processamento seja validada a operação entrando em comunicação telefónica com o usuário para pedir autorização de pagamento mediante a identificação do usuário com um código secreto, sendo que a invenção consiste na utilização de um novo cartão (1), com os clássicos dezesseis dígitos, onde os quatro primeiros dígitos (3) correspondem ao BIN específico da companhia processadora, os nove dígitos seguintes (3) correspondem ao número do telefone móvel do usuário e o último dígito (4) consiste em um dígito de controle dos quinze anteriores, tal como em qualquer cartão de pagamento convencional. Desta maneira, quando o cliente dispõe do cartão ou dos dados do mesmo através da Internet, o número de telefone móvel do usuário também é inadvertidamente fornecido, de modo que a operação possa ser aprovada via telefone.
BR0117164-0A 2001-10-26 2001-10-26 Ativador universal de pagamentos através de rede de telefonia móvel BR0117164A (pt)

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/ES2001/000406 WO2003036575A1 (es) 2001-10-26 2001-10-26 Activador universal de pagos a traves de telefonia movil

Publications (1)

Publication Number Publication Date
BR0117164A true BR0117164A (pt) 2004-10-26

Family

ID=8244387

Family Applications (1)

Application Number Title Priority Date Filing Date
BR0117164-0A BR0117164A (pt) 2001-10-26 2001-10-26 Ativador universal de pagamentos através de rede de telefonia móvel

Country Status (10)

Country Link
US (1) US20040249734A1 (pt)
EP (1) EP1443475B1 (pt)
AT (1) ATE290706T1 (pt)
BR (1) BR0117164A (pt)
DE (1) DE60109331T2 (pt)
DK (1) DK1443475T3 (pt)
ES (1) ES2239682T3 (pt)
MX (1) MXPA04003899A (pt)
PT (1) PT1443475E (pt)
WO (1) WO2003036575A1 (pt)

Families Citing this family (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2005024743A1 (en) * 2003-09-05 2005-03-17 International Business Machines Corporation Granting access to a system based on the use of a card having stored user data thereon
US8934865B2 (en) 2006-02-02 2015-01-13 Alcatel Lucent Authentication and verification services for third party vendors using mobile devices
CN101291329A (zh) * 2007-04-16 2008-10-22 林仲宇 以电话号码及识别码做为网络在线刷卡双重认证之方法
ITAN20090006A1 (it) * 2009-02-27 2010-08-28 Costantino Torella Scheda per ricarica telefonica.
US8712889B2 (en) * 2009-05-11 2014-04-29 Visa International Service Association Alterable account number
US20110057030A1 (en) * 2009-09-04 2011-03-10 Omesh Persaud Card Including Account Number With Value Amount
IT1397373B1 (it) 2009-12-30 2013-01-10 Telecom Italia Spa Metodo per gestire transazioni commerciali on-line.
US20120278236A1 (en) * 2011-03-21 2012-11-01 Qualcomm Incorporated System and method for presentment of nonconfidential transaction token identifier

Family Cites Families (21)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US3363346A (en) * 1964-06-17 1968-01-16 Haelso Och Sjukvardsinformation Data card for a compiling, transporting and communicating system, particularly intended for personal characterizing data
US3401830A (en) * 1967-01-19 1968-09-17 San Francisco Bay Area Rapid T Vending machine for credit card purchasing
US5627355A (en) * 1994-07-13 1997-05-06 Rahman; Sam Transaction device, equipment and method for protecting account numbers and their associated personal identification numbers
US5671271A (en) * 1995-05-25 1997-09-23 Henderson; Daniel A. Dialer programming system and device with integrated printing process
WO1997039565A1 (en) * 1996-04-16 1997-10-23 Maks Rozetti Systems for requesting services using card reading terminals
US6439345B1 (en) * 1996-05-22 2002-08-27 Sears, Roebuck And Co. Item pick-up system
US6504580B1 (en) * 1997-03-24 2003-01-07 Evolve Products, Inc. Non-Telephonic, non-remote controller, wireless information presentation device with advertising display
US6324519B1 (en) * 1999-03-12 2001-11-27 Expanse Networks, Inc. Advertisement auction system
US6512919B2 (en) * 1998-12-14 2003-01-28 Fujitsu Limited Electronic shopping system utilizing a program downloadable wireless videophone
US6720990B1 (en) * 1998-12-28 2004-04-13 Walker Digital, Llc Internet surveillance system and method
US6227447B1 (en) * 1999-05-10 2001-05-08 First Usa Bank, Na Cardless payment system
US6463137B1 (en) * 1999-05-21 2002-10-08 Geo-Group Communications, Inc. Toll-free telephonic communication method and device
FR2795897A1 (fr) * 1999-06-30 2001-01-05 Schlumberger Systems & Service Procede et dispositif de transaction securisee sur reseau
FR2801995B1 (fr) * 1999-12-07 2005-09-09 Bruno Duval Procede et systeme de gestion d'une transaction securisee a travers un reseau de communication
WO2001052205A1 (en) * 2000-01-12 2001-07-19 Seaglade Developments Limited A processing method and apparatus
US7627531B2 (en) * 2000-03-07 2009-12-01 American Express Travel Related Services Company, Inc. System for facilitating a transaction
JP2001306987A (ja) * 2000-04-25 2001-11-02 Nec Corp 携帯電話機によるカード利用承認方法、カード決済システム及び装置
US7174308B2 (en) * 2000-08-21 2007-02-06 Rick C. Bergman Method and system of ordering and selling food at venues
US7080049B2 (en) * 2001-09-21 2006-07-18 Paymentone Corporation Method and system for processing a transaction
US7195154B2 (en) * 2001-09-21 2007-03-27 Privasys, Inc. Method for generating customer secure card numbers
US8712889B2 (en) * 2009-05-11 2014-04-29 Visa International Service Association Alterable account number

Also Published As

Publication number Publication date
EP1443475A1 (en) 2004-08-04
US20040249734A1 (en) 2004-12-09
PT1443475E (pt) 2005-08-31
ATE290706T1 (de) 2005-03-15
MXPA04003899A (es) 2004-07-08
ES2239682T3 (es) 2005-10-01
DE60109331T2 (de) 2006-02-09
WO2003036575A1 (es) 2003-05-01
EP1443475B1 (en) 2005-03-09
DE60109331D1 (de) 2005-04-14
DK1443475T3 (da) 2005-07-18

Similar Documents

Publication Publication Date Title
CN108140179A (zh) 使用机器可读码而不需要在线连接的电子支付交易
KR100892103B1 (ko) 암호 입력 장치 및 암호 입력 방법
CN1288593C (zh) 支付装置
EP1107196B1 (en) A wireless electronic system for performing transactions
JP2001167054A (ja) 携帯情報機器、認証装置及び認証システム
WO2009087539A1 (en) Method and system of authenticity particularly at the payments, identifier of identity and/or approval
CN106716469A (zh) 用于电子支付的系统和方法
JP2004030176A (ja) 指紋決済システム、方法及びプログラム
BR0117164A (pt) Ativador universal de pagamentos através de rede de telefonia móvel
IL100238A (en) Device and method for credit accounts charging
US20030187795A1 (en) System and method of electronic transaction
KR20160046179A (ko) 카드사 방문이 필요없는 웨어러블 카드의 등록 장치, 웨어러블 카드 장치 및 웨어러블 카드의 등록 방법
JP2021056772A (ja) 特典付与方法及び特典付与装置
KR20020085623A (ko) 이동통신단말기를 이용한 일회용 신용카드번호 전달 및결제 서비스 방법 및 시스템
JP2005128899A (ja) 電子商取引システムおよび電子商取引方法
GB2389693A (en) Payment systems
CN1366263A (zh) 电子交易系统及其方法
KR20190132964A (ko) 토큰 코드를 이용한 무선 결제 방법
DE59914198D1 (de) Verfahren zur Autorisierung in Datenübertragungssystemen zur Bezahlung von über das Internet angebotenen Waren und/oder Dienstleistungen
KR101773557B1 (ko) 통합된 간편 결제 방법, 시스템 및 이를 위한 컴퓨터-판독가능 저장 매체
KR102640368B1 (ko) 토큰 결제용 블록체인 결제 단말기 및 이를 이용한 토큰 결제 시스템
TW200504553A (en) Electronic commercial system using cell phone combined with bar code and method using thereof
KR20050015475A (ko) 인증 코드를 이용한 결제 시스템 및 방법
KR101691991B1 (ko) 통합된 간편 결제 방법, 시스템 및 이를 위한 컴퓨터-판독가능 저장 매체
JP2001306989A (ja) オンラインショッピングシステム

Legal Events

Date Code Title Description
B15K Others concerning applications: alteration of classification

Free format text: A CLASSIFICACAO ANTERIOR ERA: G07F 7/08

Ipc: H04M 1/675 (2006.01), G07F 7/02 (2006.01), G07F 7/

B07A Application suspended after technical examination (opinion) [chapter 7.1 patent gazette]
B09B Patent application refused [chapter 9.2 patent gazette]

Free format text: INDEFIRO O PEDIDO DE ACORDO COM ART. 8O COMBINADO COM ART. 13 DA LPI

B09B Patent application refused [chapter 9.2 patent gazette]

Free format text: MANTIDO O INDEFERIMENTO UMA VEZ QUE NAO FOI APRESENTADO RECURSO DENTRO DO PRAZO LEGAL.