CN1529878A - Mobile electronic funds transfer system and method - Google Patents
Mobile electronic funds transfer system and method Download PDFInfo
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- CN1529878A CN1529878A CNA018234887A CN01823488A CN1529878A CN 1529878 A CN1529878 A CN 1529878A CN A018234887 A CNA018234887 A CN A018234887A CN 01823488 A CN01823488 A CN 01823488A CN 1529878 A CN1529878 A CN 1529878A
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- 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
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- 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
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- 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
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- 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
- G06Q20/22—Payment schemes or models
- G06Q20/29—Payment schemes or models characterised by micropayments
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- 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
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- 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
- G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
- G06Q20/3255—Payment 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
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Abstract
A mobile virtual e-purse micro-payment method and system is provided. The consumer keys in a formatted SMS instruction and sends this to a specified telephone number to effect micro-payment from a monetary funds account which may includes a stored-value virtual electronic purse account or an issuing bank account from which funds may be directly debited to his selected merchant. A security feature is provided in which the unique MSISDN phone number identifier and the USERID serve to identify the consumer. For added security the consumer gets a formatted voice call asking him to confirm the payment instructions and to key in his PIN (Person Identification Number). The invention also provides for simple, effective multi-model return paths via simple fax, e-mail or phone confirmation giving physical records to the merchant that payment has been made.
Description
Technical field
The present invention relates to e-commerce field and relate in particular to from the mobile device electronic funds of transferring accounts.
Background technology
The consumer that appears as of ecommerce provides more effectively the method that their purchase and service are paid, and in ecommerce, can electronization realizes the payment to article and service.No matter it is by credit card that many modern mechanisms provide, telephone bank is still by the more direct modes of payments, from consumer electronics's wallet to article or the payment of service supplier's account's electronic funds.
Recent development has allowed the consumer to pass through portable terminal wire transfer fund.Particularly, the consumer can use the wireless application protocol (wap) technology to carry out the wire transfer of fund by mobile phone.This requires the user to be registered in the network by wireless device, initiates the funds transfer request, the funds transfer transaction that confirmation of receipt and affirmation data and online execution are general.Although this is very convenient, there is a large amount of defectives in this method.At first, owing to being online at trading time period, this trade fair produces a large amount of expenses.Secondly, on-line session connects the overtime and broken string through regular meeting.And for the user that can utilize this service, this user must have the mobile phone that allows the WAP operation.At present, this has only covered and has had only the seldom mobile phone user of ratio.
Further, pure virtual trading only is devoted in nearest development, as internet business, and WAP transaction or mobile Internet transaction, and the person that is used for the payment consumption and paid the non-moving virtual payment of real trade between the trade company.
Therefore, if provide a kind of system and method to allow more users to handle the EFT (Electronic Funds Transfer) formality by portable terminal, and reduce the expense that realizes this transaction, no matter be mobile virtual transaction or real trade, this all will be favourable so.
Summary of the invention
According to a first aspect of the invention, a kind of system from paying party to beneficiary wire transfer fund is provided, this system comprises: the mobile communication equipment of the business that can send SMS message (SMS) message, with the relevant finance fund account of center payment gateway service device of paying party and reception SMS message, and the connection in response to the permission granted access payment transaction control center of message execution in payment infrastructure supplier.
According to a second aspect of the invention, a kind of method from paying party to beneficiary wire transfer fund is provided, this method comprises: receive short message service (SMS) message that comprises instruction, this instruction is used for the finance fund account transfer funds from relevant SMS sender of the message, and automatically performs from the finance fund account according to this instruction and to transfer into special beneficiary.
Preferably, the finance fund account is an e-wallet account, or the account of the bank of issue.
Preferably, when receiving this SMS message, the sender who sends a request to SMS message is to confirm payment instruction.Preferably, this request also requires the user to send people's identification code (PIN) one by one.Again preferably, confirm that request is to use the audio call form of TTS technology layout.
Preferably, when real trade, provide a kind of payment record of multi-mode return path to beneficiary.Again preferably, this payment record is a fax, Email, permanent haulage line FVR or mobile SMS or FVR form.
Description of drawings
With reference now to accompanying drawing, describe the present invention in detail, in the accompanying drawings:
Fig. 1 shows the different assemblies of the preferred embodiment of the present invention;
Fig. 1 .1 shows the different assemblies of the embodiment of the invention, be used for the mobile electron wallet with such as government or community service department, telecommunications company, the Internet Service Provider, and other do not exist the department that can't repay wrong payment or overpayment danger to carry out the situation of virtual little payment transaction fully.
Fig. 1 .2 shows the different assemblies of the embodiment of the invention, be used in order to move the situation of the virtual little paying of direct debit with point of sale (POS) trade company real trade, these trade companies for example are the refuelling station, brand shop, salon, florist, hotel or the like, and when paying transaction, POS trade company need confirm and payment record.
Fig. 1 .3 shows the different assemblies of the embodiment of the invention, is used to P2P transaction to move the situation of the virtual little paying of direct debit, no matter and this transaction is virtual purely or it has comprised real trade between paying party and the beneficiary.
Fig. 2 has been shown in further detail the primary clustering of system among Fig. 1.
Fig. 3 shows the example that shows the SMS message format that sends; And
Fig. 4 shows the example that shows the SMS message authentication.
Embodiment
With reference now to Fig. 1,, there is shown the different assemblies of the preferred embodiment of the present invention.For example wish to be implemented to from their stored value card the system user of the EFT (Electronic Funds Transfer) of trade company, these users will have mobile communication equipment as having the mobile phone of SMS function.Certainly, this electronic communication equipment can be portable computer or possess any other equipment that sends and receive the SMS message function.Equipment 1 is connected to the communication network of telecommunications company's management of user's reservation.
A feature of the present invention is to allow different telecommunications companies to realize loyalty/personalized platform together with the different trade companies that are registered as the participation merchant.Loyalty/personalized platform is by square frame 2 operation, this square frame by with each consumer's personalisation interface, distinguish or the payment article and the service of customization for the telecommunications company that possesses management trade company and consumer's ability provides.The specific loyalty program that this allows supply trade company to subscribe, for example the subscriber for SingTel provides, from the trade company there that joins the SingTel loyalty program the article of buying or serve 10% discount.
Consumer's preference web server 7 comprises each consumer's who is registered to mobile payment service of the present invention details, comprises telephone number, and the details of bank of issue's account number of relevant therefrom debit payment comprises virtual electronic wallet account.For example the consumer for trade company pay the bill the time, telecommunications company for example, Internet Service Provider or natural gas companies, the consumer can be linked to this trade company with his bank of issue's account number and virtual electronic wallet account number.At consumer's preference web server 7, the consumer also can select by SMS message informing relevant trade company's sales promotion and discounting, if and the consumer selects to wish to be the beneficiary of equity transaction, in this case, the account of merchant bank that the consumer also pays regulation.In fact, be under the situation of paying party as the consumer, can carry out the fund debit from the identical bank account of previous regulation.
Give in the situation of trade company in the little paying of mobile electron wallet, can't repay the wrong low danger of paying or crossing pay this extra comprising pure virtual trading and existence, the consumer also can be defined in and carry out before any EFT (Electronic Funds Transfer), and whether he is ready to possess the security of increase to confirm trade detail.If such regulation is arranged, the consumer will receive FVR speech message and input PIN (Personal Identification Number) (PIN) authentication that needs to confirm the transaction order so.Give under the situation of POS trade company moving the little paying of direct debit for real trade, FVR transaction and PIN are confirmed to be acquiescence, if the acceptance of the consumer bank of issue, the consumer forbids needs or ignore this requirement when danger.
Total system is by payment gateway 8 control, this gateway interface the web of trade company server 5, consumer's preference web server 7, telecommunications company's loyalty/personalized platform 2 and payment provider gateway 9.The actual EFT (Electronic Funds Transfer) of payment provider gateway 9 controls, and can realize by the known any existing mode of a kind of ordinary skill.In any case in brief, gateway 9 has made things convenient for the various transaction between the bank of issue 12 and the merchant bank 13, wherein the bank of issue has consumer's special bank account (consumer stipulates on consumer's preference web server 7), and merchant bank 13 has the account No. that beneficiary is stipulated on the web of trade company server 5.After finishing EFT (Electronic Funds Transfer), will be to various article and each service supplier payment, no matter and they carry out conventional P OS trade company 6 under the real trade payout status, still the bill payment trade company 11 under the pure virtual trading situation by the mobile virtual mode.
With reference now to Fig. 1 .1,, 1.2 and 1.3, there is shown embodiment of the present invention and be applied to various assemblies under the following various situation respectively, (a) be used for such as government or public services, telecommunications company, the Internet Service Provider, and other have the mobile electron wallet that the little mechanism that can not repay wrong symbol or pay this extra danger excessively carries out pure virtual little payment transaction; (b) move the virtual little paying of direct debit, be used for and point of sale (POS) trade company such as refuelling station, brand shop, salon, the florist, real trade is carried out in hotel or the like, when paying transaction, the record that POS trade company need confirm and pay; (c) be used for the virtual little paying of mobile direct debit of P2P transaction, no matter and this transaction is virtual purely or it has comprised real trade between paying party and the beneficiary.To have participated in Fig. 1 foregoing description and discerned processing, unless in order to simplify with reference to processing is provided individually.
With reference now to Fig. 2,, shows in detail payment gateway 8 more with payment provider gateway 9 interfaces.
Payment gateway 8 comprises the SMS engine 81 that receives SMS message from mobile communication equipment 1 by the SMSC of various telecommunications companies.SMS engine 81 sieves by the message format of SMS message, comprising telephone number, and markers and formatting messages territory, and it is stored in the configuration file catalogue.Receiver module 82 receives SMS message and will transmit these message to SMS router-module 83 from the Incoming formation of SMS engine 81.Sender module 86 and receiver module 82 be from the processing logic of the remaining component package SMS engine 81 of payment gateway, and the benefit of doing like this is, can change SMS engine 81 and do not influence the processing of other modules.SMS router 83 is from the message field analysis and isolate markers, carries out the grammer verification, produces corresponding error message and each message field is carried out trade company's logic function.The destination of SMS router 83 each message of verification.If this message is used to pay, SMS router 83 is forwarded to message queue 84 with it and is used for Message Agent 85 so, if article and services request are effective, then it are forwarded to message queue 84 and are used for merchant server 5.Message queue 84 is carried out between SMS router 83 and the merchant server 5, and the pooling feature between SMS router 83 and the Message Agent 85.
Payment gateway 8 also comprises data mining 87, management control module 88, audit logic 89 and Message Agent 85.
Payment gateway 8 interface merchant server and consumer's preference server 7.POS trade company for example, hair salon, signatory and his CompanyName is provided on merchant server 5, the account of merchant bank, preferred payment record return path, and he wants to receive the fax number of these records, permanent haulage line number or mobile number.Merchant server 5 and payment provider back-end system 9 interfaces that are connected to various participation bank, the identification account of merchant bank and be distributed in trade company's code that its position trade company shows, and promote to the consumer.Some information are trade company's code for example, preference, fax number or the like and database module 89 interfaces, this Module Links to the SMS router that comprises trade company's logic with identification trade company and pay close attention to the preference of trade company.
Payment gateway 8 also interface arrives consumer's preference server 7.The consumer is signatory and his name is provided on consumer's preference server 7, mobile number, user ID, PIN, account of the bank of issue or virtual electronic wallet account, whether his preference needs FVR to return is confirmed and the PIN authentication, the preferred return path of payment record, and whether he wants to receive FVR or SMS payment record.Consumer's preference server 7 and payment provider back-end system 9 interfaces that are connected to various adding bank, and discern the account of this bank of issue.Some information are user ID for example, and mobile number, and preference or the like and database module 89 interfaces that are linked to the SMS router that comprises trade company's logic are paid close attention to his preference or the like with the identification consumer.
Whole communications between the SMSC of the various telecommunications companies that SMS engine 81 processing payment gateways 8 and consumer subscribe.Sender module 86 sends the out formation of SMS message to SMS engine 81.
Merchant server 5 receives consumers' request from message queue 84, and if the article that trade company provided that verification is connected with this system and the availability of service when unavailable, will arrive the consumer by message router 83 transmission " unavailable " SMS message.Otherwise merchant server 5 will send it back by message queue 84 and confirm message router 83 with the beginning Payment Request.
Message queue square frame 84 provides alive storing message, and the buffer area of synchronous access formation provides a kind of and sent storing message and obtain the method for message from formation from formation.
Database module 89 comprises the audit log form.This audit log has write down whole SMS message that SMS router 83 receives based on the TCP/IP socket, whole SMS message that SMS router 83 receives and sends based on the TCP/IP cover have been write down, write down the whole binary messages that receive from payment infrastructure supplier 9, write down by merchant server 5 and sent to the entire message of trade company and the entire message that receives from trade company by merchant server 5.
Data-mining module 87 will be checked business statistics, estimate the average system response time, and error tracking is provided, the correlative detail that provides the consumer to use service frequency, and estimating system time to peak and estimation consumer buy preference.
Gateway management and control module 88 realize SMS payment gateway service device, record server ip and port numbers on the GUI display, open and closing server, show the transaction statistical information, inquiry also shows consumer information, activates consumer account, freeze consumer account, stop consumer account, management consumer PIN details is upgraded the consumer confidence degree and is write down whole system managements and the control activity.
Fig. 3 shows the example of the telecommunications mobile communication equipment 1 that uses in system of the present invention.The SMS message that the user sends is made up of instruction shown in Figure 3.The SMS message that sends will comprise the instruction of payment particular merchant (being trade company's code), consumer's user ID, the transaction code of payment amount and particular transaction, the notice number under the Fine for parking situation for example, the account number under payment telecommunications company or ISP or usage bill or the like situation.Trade company's code will be for example for being used for the ST of SingTel under the bill payment situation, or under POS trade company situation, being used for the M1234 of hair salon, these will show this trade company's code and show that any telecommunications company is used to accept and the person's of boosting consumption this loyalty program that moves little paying.
In Fig. 4, show the example of the message that may on communication facilities 1, show, as the affirmation of the funds transfer of realizing auditing.Display message may comprise the data of reception fund and time and which bank to receive fund from, repeats the instruction that sends and consumer electronics's wallet or account's remaining sum originally.Certainly, should be understood that also and can show the details that other are suitable.
The present invention is used in particular for mobile little paying that energy regularly be provided bill in every month, as telephone bill, and government utility bill, city council, rehabilitation charge and ISP charge.System can be used to pay article and service supplier's article and service on an equal basis, as the refuelling station, and brand shop, salon, florist, hotel.
Other advantages of the present invention are that it can " insert " in the eft network of having set up.System of the present invention provides the mobile communication equipment that possesses the SMS function and has set up interface between the user of eft network.System also possesses other supplementary features, and comprising loyal scheme, this scheme allows trade company, and consumer and telecommunications company are benefited from this system.
Therefore, the invention provides the replacement method of existing EFT (Electronic Funds Transfer) method, the advantage that comprises has, the expense that allows more substantial consumer to use mobile electronic funds transfer and reduced use service on existing system.
Although described the present invention, should be understood that and to make many variants and modifications that those of ordinary skills will be understood that within the scope of the present invention with reference to particular.
Claims (11)
1, a kind of electronic fund transfer (EFT) that is used for from paying party to beneficiary wire transfer fund, this system comprises, the mobile communication equipment of the business that can send SMS message (SMS) message, the relevant finance fund account of center payment gateway service device with paying party and reception SMS message, and the connection in payment infrastructure supplier in response to the permission granted access payment transaction control center of message realization, the finance and economics transaction between finance fund account and the beneficiary.
2, system according to claim 1, wherein said payment infrastructure supplier is connected to the financial institution of adding.
3, system according to claim 1 and 2, wherein said finance fund account is an e-wallet account.
4, system according to claim 1 and 2, the account of the bank of issue that wherein said finance fund account is appointment.
5, according to any one the described system in the claim 1 to 4, wherein said paying party receives the response to the SMS message that sends.
6, system according to claim 5, wherein said response is formative voice response (FVR) audio call, asks described paying party affirmation trading instruction and keys in PIN.
7, system according to claim 4, wherein said finance and economics transaction is the direct debit account of specifying the paying party of the bank of issue described, and the transaction between the account of appointment merchant bank of trade company.
8, according to one of aforesaid right requirement described system, realized that wherein the affirmation of funds transfer sends to paying party and/or beneficiary.
9, system according to claim 8, wherein said being confirmed to be by fax, Email, FVR or SMS.
10, a kind of method that is used for from paying party to beneficiary wire transfer fund, this method comprises, reception comprises short message service (SMS) message of instruction, this instruction is used for the finance fund account transfer funds from relevant SMS sender of the message, and automatically performs from the finance fund account according to this instruction and to transfer into special beneficiary.
11, method according to claim 10, wherein the finance fund account is an e-wallet account.
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| PCT/SG2001/000152 WO2003009243A1 (en) | 2001-07-19 | 2001-07-19 | Mobile electronic funds transfer system and method |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN1529878A true CN1529878A (en) | 2004-09-15 |
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Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CNA018234887A Pending CN1529878A (en) | 2001-07-19 | 2001-07-19 | Mobile electronic funds transfer system and method |
Country Status (2)
| Country | Link |
|---|---|
| CN (1) | CN1529878A (en) |
| WO (1) | WO2003009243A1 (en) |
Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101283369A (en) * | 2005-10-13 | 2008-10-08 | 艾利森电话股份有限公司 | A method and arrangement for enabling payments over a mobile telecommunication network |
| CN101018130B (en) * | 2007-02-15 | 2010-09-08 | 物方恒德（北京）投资咨询有限公司 | Finance business system and finance business processing method |
| CN1842117B (en) * | 2005-03-23 | 2010-09-29 | e2因特莱科迪伏有限公司 | Delivery of value identifiers using short message service (SMS) |
| CN101604467B (en) * | 2008-06-10 | 2011-03-16 | 关贸网路股份有限公司 | Method for processing consumer information |
Families Citing this family (14)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US6609113B1 (en) | 1999-05-03 | 2003-08-19 | The Chase Manhattan Bank | Method and system for processing internet payments using the electronic funds transfer network |
| WO2004075086A1 (en) * | 2003-02-18 | 2004-09-02 | Wang Soo Ryu | Method for providing finance service using phone number and account balance |
| DE10310527B4 (en) | 2003-03-11 | 2008-11-20 | Christian Hogl | A method for initiating and / or performing a payment transaction |
| EP1510983A1 (en) * | 2003-08-26 | 2005-03-02 | Siemens Aktiengesellschaft | Payment-platform for network operators and terminals effecting electronic payment and corresponding methods |
| US20090248584A1 (en) * | 2004-02-13 | 2009-10-01 | Paysetter Pte Ltd | System and method for facilitating payment to a party not having an account that can be used to hold a monetary value equivalent |
| WO2006020938A2 (en) * | 2004-08-14 | 2006-02-23 | Kirusa, Inc. | Methods for identifying messages and communicating with users of a multimodal message service |
| WO2006095250A1 (en) * | 2005-03-11 | 2006-09-14 | Firstrand Bank Limited | Mobile banking system and method |
| BE1016964A3 (en) * | 2006-01-25 | 2007-11-06 | Zurstrassen Jean Guillaume | Electronic payment method for electronic purse, involves receiving message including data representing transaction instruction and accompanied with terminal identification code, via server, and searching purse associated to code in database |
| GB2452700A (en) * | 2007-08-24 | 2009-03-18 | Intellprop Ltd | Initiating a payment service by including a scan tag in a short message |
| WO2010035224A2 (en) * | 2008-09-23 | 2010-04-01 | Virtual Payment Solutions (Pty) Ltd | A transaction method and system |
| US9864991B2 (en) | 2009-09-22 | 2018-01-09 | Murphy Oil Usa, Inc. | Method and apparatus for secure transaction management |
| EP2482242A4 (en) * | 2009-09-24 | 2013-09-25 | Nippon Telegraph & Telephone | Electronic payment method, system, server and program for same |
| SE536683C2 (en) * | 2012-11-16 | 2014-05-20 | Mobile Payment Solutions Holding Nordic Ab | Procedure for making a payment using a portable communication device |
| WO2019025989A1 (en) * | 2017-08-04 | 2019-02-07 | Adari Swarna Kumari | System and method for real-time generation of payment slip |
Family Cites Families (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| FR2780800B1 (en) * | 1998-07-03 | 2000-09-08 | Sagem | ELECTRONIC PAYMENT PROCESS |
| WO2000031699A1 (en) * | 1998-11-22 | 2000-06-02 | Easy Charge Cellular (Pty) Limited | Method of, and apparatus for, conducting electronic transactions |
| DE19903822C2 (en) * | 1999-02-02 | 2001-09-20 | Mathias Entenmann | Procedure for making cashless payments and system for performing the procedure |
| EP1065634A1 (en) * | 1999-07-02 | 2001-01-03 | Mic Systems | System and method for performing secure electronic transactions over an open communication network |
-
2001
- 2001-07-19 WO PCT/SG2001/000152 patent/WO2003009243A1/en active Search and Examination
- 2001-07-19 CN CNA018234887A patent/CN1529878A/en active Pending
Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1842117B (en) * | 2005-03-23 | 2010-09-29 | e2因特莱科迪伏有限公司 | Delivery of value identifiers using short message service (SMS) |
| CN101283369A (en) * | 2005-10-13 | 2008-10-08 | 艾利森电话股份有限公司 | A method and arrangement for enabling payments over a mobile telecommunication network |
| CN101283369B (en) * | 2005-10-13 | 2013-03-13 | 艾利森电话股份有限公司 | A method and arrangement for enabling payments over a mobile telecommunication network |
| CN101018130B (en) * | 2007-02-15 | 2010-09-08 | 物方恒德（北京）投资咨询有限公司 | Finance business system and finance business processing method |
| CN101604467B (en) * | 2008-06-10 | 2011-03-16 | 关贸网路股份有限公司 | Method for processing consumer information |
Also Published As
| Publication number | Publication date |
|---|---|
| WO2003009243A1 (en) | 2003-01-30 |
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