CA2324114A1 - Procede d'utilisation d'une carte telephonique pour des transactions commerciales - Google Patents

Procede d'utilisation d'une carte telephonique pour des transactions commerciales Download PDF

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Publication number
CA2324114A1
CA2324114A1 CA002324114A CA2324114A CA2324114A1 CA 2324114 A1 CA2324114 A1 CA 2324114A1 CA 002324114 A CA002324114 A CA 002324114A CA 2324114 A CA2324114 A CA 2324114A CA 2324114 A1 CA2324114 A1 CA 2324114A1
Authority
CA
Canada
Prior art keywords
customer
merchant
user
invoice
service provider
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Abandoned
Application number
CA002324114A
Other languages
English (en)
Inventor
Munir Cochinwala
Ernest Samuel Cohen
Naveen Suri
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Iconectiv LLC
Original Assignee
Individual
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Individual filed Critical Individual
Publication of CA2324114A1 publication Critical patent/CA2324114A1/fr
Abandoned legal-status Critical Current

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—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
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing 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
    • G06Q20/02—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
    • G06Q20/04—Payment circuits
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—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
    • G06Q50/00—Information and communication technology [ICT] specially adapted for implementation of business processes of specific business sectors, e.g. utilities or tourism
    • G06Q50/60—Business processes related to postal services

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Security & Cryptography (AREA)
  • Marketing (AREA)
  • Economics (AREA)
  • Development Economics (AREA)
  • Health & Medical Sciences (AREA)
  • General Health & Medical Sciences (AREA)
  • Human Resources & Organizations (AREA)
  • Primary Health Care (AREA)
  • Tourism & Hospitality (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Meter Arrangements (AREA)
  • Telephonic Communication Services (AREA)

Abstract

L'invention concerne un procédé d'utilisation d'une carte téléphonique pour effectuer des transactions commerciales électroniques. Dans un mode de réalisation, un utilisateur initie un appel téléphonique vers un commerçant avec une carte téléphonique fournie par le fournisseur de services. Le fournisseur de services vérifie d'abord l'identité de l'utilisateur grâce à un code PIN (numéro d'identification personnel) (1). Après validation de l'identité de l'utilisateur, l'appel de l'utilisateur au commerçant est établi. L'utilisateur et le commerçant se mettent alors d'accord sur la vente d'une article et une facture est envoyée au fournisseur de services par le commerçant. La facture est approuvée par l'utilisateur et le commerçant est déconnecté de l'appel. Dans un autre mode de réalisation, l'utilisateur est connecté au commerçant via Internet, l'identité de l'utilisateur ayant été validée auparavant par un fournisseur de services Internet. L'utilisateur tire une copie de la facture pour une application se trouvant sur une page Web. L'application joint la signature numérique de l'utilisateur à la facture et l'envoie par la poste au commerçant. Le commerçant présente alors la facture signée à un serveur qui authentifie la signature du client avant d'approuver la vente.
CA002324114A 1998-03-24 1999-03-22 Procede d'utilisation d'une carte telephonique pour des transactions commerciales Abandoned CA2324114A1 (fr)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
US7915698P 1998-03-24 1998-03-24
US60/079,156 1998-03-24
PCT/US1999/006195 WO1999049404A1 (fr) 1998-03-24 1999-03-22 Procede d'utilisation d'une carte telephonique pour des transactions commerciales

Publications (1)

Publication Number Publication Date
CA2324114A1 true CA2324114A1 (fr) 1999-09-30

Family

ID=22148789

Family Applications (1)

Application Number Title Priority Date Filing Date
CA002324114A Abandoned CA2324114A1 (fr) 1998-03-24 1999-03-22 Procede d'utilisation d'une carte telephonique pour des transactions commerciales

Country Status (8)

Country Link
EP (1) EP1064611A1 (fr)
JP (1) JP2002508547A (fr)
KR (1) KR20010034629A (fr)
CN (1) CN1298526A (fr)
AU (1) AU3108199A (fr)
CA (1) CA2324114A1 (fr)
ID (1) ID28328A (fr)
WO (1) WO1999049404A1 (fr)

Families Citing this family (33)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP1014672A3 (fr) * 1998-12-23 2003-12-17 Nortel Networks Limited Dispositif pour la facturation ou autorisation de la facturation utilisant une carte téléphonique
EP1188135A2 (fr) 1998-12-23 2002-03-20 The Chase Manhattan Bank Systeme et procede d'integration d'operations commerciales comprenant la generation, le traitement et le suivi de documents commerciaux et documents concernes
ITMI992363A1 (it) * 1999-11-11 2001-05-11 Roberto Colli Procedimento di transazione di pagamento in rete mediante carta prepagata e relativa carta
SE516782C2 (sv) 1999-11-23 2002-03-05 Ericsson Telefon Ab L M Metod för betalning av varor i ett elektroniskt handelssystem samt ett betalningssystem
AU780943B2 (en) * 1999-12-30 2005-04-28 International Business Machines Corporation Method of payment by means of an electronic communication device
GB2357730A (en) * 1999-12-30 2001-07-04 Ben Block Pre-paid internet card
AU2000226388A1 (en) * 2000-01-10 2001-07-24 Robert John Powell Internet business method
US7822656B2 (en) 2000-02-15 2010-10-26 Jpmorgan Chase Bank, N.A. International banking system and method
US6871140B1 (en) 2000-02-25 2005-03-22 Costar Group, Inc. System and method for collection, distribution, and use of information in connection with commercial real estate
SG103279A1 (en) * 2000-04-11 2004-04-29 Sony Corp Business management method, business management apparatus and data broadcast delivery method
US7778934B2 (en) * 2000-04-17 2010-08-17 Verisign, Inc. Authenticated payment
KR20010106586A (ko) * 2000-05-22 2001-12-07 송용근 공중전화 카드를 이용한 전자 결제 시스템 및 그 방법
AU2001274979A1 (en) * 2000-05-24 2001-12-03 Duocash, Inc. System and method for using existing prepaid card systems for making payments over the internet
GB2362979A (en) * 2000-06-02 2001-12-05 Nokia Mobile Phones Ltd Enabling provision of goods or services
WO2001097186A2 (fr) 2000-06-12 2001-12-20 Xacct Technologies Ltd. Systeme, procede et produit programme informatique destines a des communications vocales prepayees et sans fil ainsi qu'a des services ip
DE10039569C5 (de) * 2000-08-09 2007-04-26 Vodafone Ag Verfahren zur Bezahlung an beliebigen Verkaufs- bzw. Dienstleistungsstellen mit Mobiltelefon
AU2000270486A1 (en) * 2000-08-22 2002-03-04 Payperfect Pte Ltd Electronic payment methods
US7107248B1 (en) * 2000-09-11 2006-09-12 Nokia Corporation System and method of bootstrapping a temporary public-key infrastructure from a cellular telecommunication authentication and billing infrastructure
FI20002139A (fi) * 2000-09-29 2002-03-30 Pasi Kapiainen Järjestelmä moottoroidun oven tai sähköisen lukituksen ohjaamiseen ja kulunvalvontaan puhelinkonetta käyttäen
US7174301B2 (en) 2000-10-23 2007-02-06 Costar Group, Inc. System and method for accessing geographic-based data
US7487114B2 (en) 2000-10-23 2009-02-03 Costar Group, Inc. System and method for associating aerial images, map features, and information
US7076452B2 (en) 2000-10-23 2006-07-11 Costar Group, Inc. System and method for collection, distribution, and use of information in connection with commercial real estate
US7640204B2 (en) 2000-10-23 2009-12-29 Costar Group, Inc. System and method for collection, distribution, and use of information in connection with commercial real estate
GB0028729D0 (en) * 2000-11-24 2001-01-10 Nokia Oy Ab Improvement in and relating to transaction security
US8805739B2 (en) 2001-01-30 2014-08-12 Jpmorgan Chase Bank, National Association System and method for electronic bill pay and presentment
FI20011498A0 (fi) * 2001-07-09 2001-07-09 Ericsson Telefon Ab L M Menetelmä ja järjestelmä elektronisten allekirjoitusten todentamiseksi
US8280793B1 (en) * 2001-07-16 2012-10-02 West Corporation Prepaid calling card accounts linked to credit card accounts, with methods for creating and managing the same
KR20030049304A (ko) * 2001-12-14 2003-06-25 신용균 예치형, 신분 보장형, 자유 사용형 및 옵션형현금·신용·사이버 선물 카드를 이용한 사이버 결제사업방법, 시스템 및 이를 구현할 수 있는 프로그램이수록된 컴퓨터로 읽을 수 있는 기록 매체
US7689482B2 (en) 2002-05-24 2010-03-30 Jp Morgan Chase Bank, N.A. System and method for payer (buyer) defined electronic invoice exchange
US20030220863A1 (en) 2002-05-24 2003-11-27 Don Holm System and method for varying electronic settlements between buyers and suppliers with dynamic discount terms
JP4843503B2 (ja) 2004-01-20 2011-12-21 カール・ツァイス・エスエムティー・ゲーエムベーハー マイクロリソグラフィ投影露光装置および投影レンズのための測定装置
US8554673B2 (en) 2004-06-17 2013-10-08 Jpmorgan Chase Bank, N.A. Methods and systems for discounts management
US9058626B1 (en) 2013-11-13 2015-06-16 Jpmorgan Chase Bank, N.A. System and method for financial services device usage

Family Cites Families (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4759063A (en) 1983-08-22 1988-07-19 Chaum David L Blind signature systems
US4949380A (en) 1988-10-20 1990-08-14 David Chaum Returned-value blind signature systems
US5353335A (en) * 1992-08-03 1994-10-04 At&T Bell Laboratories Multilingual prepaid telephone system
US5825863A (en) * 1995-12-11 1998-10-20 Walker Asset Management Limited Partnership Prepaid limited usage calling card

Also Published As

Publication number Publication date
AU3108199A (en) 1999-10-18
WO1999049404A1 (fr) 1999-09-30
KR20010034629A (ko) 2001-04-25
EP1064611A1 (fr) 2001-01-03
ID28328A (id) 2001-05-10
CN1298526A (zh) 2001-06-06
JP2002508547A (ja) 2002-03-19

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Legal Events

Date Code Title Description
EEER Examination request
FZDE Discontinued