CY1113496T1 - Μεθοδος πιστωσης λογαριασμου - Google Patents

Μεθοδος πιστωσης λογαριασμου

Info

Publication number
CY1113496T1
CY1113496T1 CY20121101240T CY121101240T CY1113496T1 CY 1113496 T1 CY1113496 T1 CY 1113496T1 CY 20121101240 T CY20121101240 T CY 20121101240T CY 121101240 T CY121101240 T CY 121101240T CY 1113496 T1 CY1113496 T1 CY 1113496T1
Authority
CY
Cyprus
Prior art keywords
mobile device
accounts
sends
secure host
poid
Prior art date
Application number
CY20121101240T
Other languages
English (en)
Inventor
Tony Moore
Islands Virgin (British)
Original Assignee
Turriff International Limited
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 Turriff International Limited filed Critical Turriff International Limited
Publication of CY1113496T1 publication Critical patent/CY1113496T1/el

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
    • G06Q20/22—Payment schemes or models
    • G06Q20/28—Pre-payment schemes, e.g. "pay before"
    • 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
    • G06Q20/325—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
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H04M17/10—Account details or usage
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H04M17/20—Prepayment of wireline communication systems, wireless communication systems or telephone systems with provision for recharging the prepaid account or card, or for credit establishment
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H04M17/20—Prepayment of wireline communication systems, wireless communication systems or telephone systems with provision for recharging the prepaid account or card, or for credit establishment
    • H04M17/204—Prepayment of wireline communication systems, wireless communication systems or telephone systems with provision for recharging the prepaid account or card, or for credit establishment on-line recharging, e.g. cashless
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H04M2017/24—Prepayment of wireline communication systems, wireless communication systems or telephone systems with on-line recharging of an account or card, e.g. cashless
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/32—Involving wireless systems

Landscapes

  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Signal Processing (AREA)
  • Strategic Management (AREA)
  • Accounting & Taxation (AREA)
  • Computer Security & Cryptography (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Meter Arrangements (AREA)
  • Mobile Radio Communication Systems (AREA)
  • Telephonic Communication Services (AREA)
  • Optical Communication System (AREA)

Abstract

Ο χρήστης έχει τη δυνατότητα να πιστώνει τον προπληρωμένο λογαριασμό του χρησιμοποιώντας μια διαδικασία δύο σταδίων. Σε ένα στάδιο αιτήματος, ο χρήστης στέλνει αίτημα χρησιμοποιώντας SMS από μια πρώτη κινητή συσκευή (1a) προς έναν ασφαλή κεντρικό ηλεκτρονικό υπολογιστή (15) εκφράζοντας την επιθυμία του να πιστώσει λογαριασμό που συνδέεται με την πρώτη κινητή συσκευή (1a) και επίσης λογαριασμό που συνδέεται με δεύτερη κινητή συσκευή (1a, 1b). Ο ασφαλής κεντρικός υπολογιστής (15) ενημερώνει ένα κέντρο έκδοσης λογαριασμών (12) σχετικά με τις ταυτότητες των κινητών συσκευών (1a, 1b) και τα ποσά που πρόκειται να πιστωθούν στους αντίστοιχους λογαριασμούς τους. Το κέντρο έκδοσης λογαριασμών (12) επιβεβαιώνει ότι οι λογαριασμοί υπάρχουν. Κατόπιν, ο ασφαλής κεντρικός υπολογιστής (15) στέλνει απάντηση στην κινητή συσκευή (1a). Σε ένα στάδιο πληρωμής, ο χρήστης επισκέπτεται μια διάταξη σημείου διάδρασης (POID) (13), μεταδίδει ένα αντίγραφο της απάντησης μέσω ασύρματης σύνδεσης, π.χ. ζεύξης υπερύθρων, και πραγματοποιεί την πληρωμή. To POID (13) στέλνει μήνυμα προς τον ασφαλή κεντρικό υπολογιστή (15) σχετικά με την απάντηση και την πληρωμή. Ο ασφαλής κεντρικός υπολογιστής (15) επικυρώνει το αίτημα, επικοινωνώντας αν είναι απαραίτητο με την τράπεζα για να πιστοποιήσει τις λεπτομέρειες της πιστωτικής κάρτας, πληροφορεί το κέντρο έκδοσης λογαριασμών (12) που ενημερώνει τους λογαριασμούς, απαντά στον ασφαλή κεντρικό υπολογιστή (15) και στέλνει επιβεβαίωση στο POID (13).
CY20121101240T 2001-08-22 2012-12-19 Μεθοδος πιστωσης λογαριασμου CY1113496T1 (el)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
GB0120412A GB2379133B (en) 2001-08-22 2001-08-22 Method of crediting an account
EP02255734A EP1286317B1 (en) 2001-08-22 2002-08-16 Method of crediting an account

Publications (1)

Publication Number Publication Date
CY1113496T1 true CY1113496T1 (el) 2016-06-22

Family

ID=9920814

Family Applications (1)

Application Number Title Priority Date Filing Date
CY20121101240T CY1113496T1 (el) 2001-08-22 2012-12-19 Μεθοδος πιστωσης λογαριασμου

Country Status (6)

Country Link
EP (2) EP1286317B1 (el)
CY (1) CY1113496T1 (el)
DK (1) DK1286317T3 (el)
ES (1) ES2396325T3 (el)
GB (1) GB2379133B (el)
PT (1) PT1286317E (el)

Families Citing this family (17)

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Publication number Priority date Publication date Assignee Title
US7676030B2 (en) 2002-12-10 2010-03-09 Ewi Holdings, Inc. System and method for personal identification number distribution and delivery
US20050229003A1 (en) 2004-04-09 2005-10-13 Miles Paschini System and method for distributing personal identification numbers over a computer network
US10205721B2 (en) 2002-12-10 2019-02-12 Ewi Holdings, Inc. System and method for distributing personal identification numbers over a computer network
KR100559008B1 (ko) * 2003-04-02 2006-03-10 에스케이 텔레콤주식회사 이동통신 단말기의 적외선 통신을 이용한 사용자 인증시스템 및 그 방법
WO2004107280A2 (en) 2003-05-28 2004-12-09 Ewi Holdings, Inc. System and method for electronic prepaid account replenishment
DE10337081B4 (de) * 2003-08-12 2006-04-27 Deutsche Postbank Ag Gutschrifthandhabungs-Vorrichtung
US7280644B2 (en) 2004-12-07 2007-10-09 Ewi Holdings, Inc. Transaction processing platform for faciliating electronic distribution of plural prepaid services
US11475436B2 (en) 2010-01-08 2022-10-18 Blackhawk Network, Inc. System and method for providing a security code
US11599873B2 (en) 2010-01-08 2023-03-07 Blackhawk Network, Inc. Systems and methods for proxy card and/or wallet redemption card transactions
FR2880449B1 (fr) * 2004-12-31 2007-04-20 Charles Tuil Procede de transaction electronique par messagerie mobile
US10296895B2 (en) 2010-01-08 2019-05-21 Blackhawk Network, Inc. System for processing, activating and redeeming value added prepaid cards
WO2007147220A2 (en) * 2007-08-28 2007-12-27 Urbis Telecom Corporation Method and system for processing advances/credits for use by subscribers of communication networks
AU2011203954A1 (en) 2010-01-08 2012-07-26 Blackhawk Network, Inc. A system for processing, activating and redeeming value added prepaid cards
US10037526B2 (en) 2010-01-08 2018-07-31 Blackhawk Network, Inc. System for payment via electronic wallet
CA2809822C (en) 2010-08-27 2023-09-12 Blackhawk Network, Inc. Prepaid card with savings feature
US11042870B2 (en) 2012-04-04 2021-06-22 Blackhawk Network, Inc. System and method for using intelligent codes to add a stored-value card to an electronic wallet
US10970714B2 (en) 2012-11-20 2021-04-06 Blackhawk Network, Inc. System and method for using intelligent codes in conjunction with stored-value cards

Family Cites Families (10)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP0848360A1 (en) * 1996-12-11 1998-06-17 BRITISH TELECOMMUNICATIONS public limited company Electronic funds transfer authentication system
AU7061098A (en) * 1997-04-15 1998-11-11 Non Can Jam Trading (Pty) Limited Method for electronically vending, distributing, and recharging of pre-p aid value, a vending machine and an electronic system for use therein
US6636833B1 (en) * 1998-03-25 2003-10-21 Obis Patents Ltd. Credit card system and method
GB9910418D0 (en) * 1999-05-05 1999-07-07 Landis & Gyr Communications Uk Payment apparatus and method
AU6499200A (en) * 1999-08-05 2001-03-05 On-Point Technology Systems, Inc. Pre-paid mobile telephone air-time replenishing system and method
CA2324000A1 (en) * 1999-11-12 2001-05-12 Nortel Networks Corporation Business method implemented on a wireless pre-paid platform of business-to-business transaction processing and billing
NL1013732C2 (nl) * 1999-12-02 2001-06-06 Theodorus Arie Jan Snijder Systeem voor het betalen en verkrijgen van diensten via een communicatienetwerk.
GB0001548D0 (en) * 2000-01-24 2000-03-15 Air Pay Limited A method and device for crediting a creditable machine
IL134354A0 (en) * 2000-02-03 2001-04-30 Ranit T S Technical Services L Electronic transaction system
EP1257983A2 (en) * 2000-02-10 2002-11-20 Jon Shore Apparatus, systems and methods for wirelessly transacting financial transfers, electronically recordable authorization transfers, and other information transfers

Also Published As

Publication number Publication date
ES2396325T3 (es) 2013-02-20
GB2379133A (en) 2003-02-26
PT1286317E (pt) 2013-01-23
GB0120412D0 (en) 2001-10-17
EP1286317A3 (en) 2003-12-03
DK1286317T3 (da) 2013-01-02
EP1286317B1 (en) 2012-10-03
GB2379133B (en) 2003-10-29
EP2360650A1 (en) 2011-08-24
EP1286317A2 (en) 2003-02-26

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