EA201190290A1 - Способ авторизации операции с использованием мобильного телефона - Google Patents

Способ авторизации операции с использованием мобильного телефона

Info

Publication number
EA201190290A1
EA201190290A1 EA201190290A EA201190290A EA201190290A1 EA 201190290 A1 EA201190290 A1 EA 201190290A1 EA 201190290 A EA201190290 A EA 201190290A EA 201190290 A EA201190290 A EA 201190290A EA 201190290 A1 EA201190290 A1 EA 201190290A1
Authority
EA
Eurasian Patent Office
Prior art keywords
authorization
parameters
user
voice call
necessary
Prior art date
Application number
EA201190290A
Other languages
English (en)
Inventor
Хенрик Кулаковски
Original Assignee
Масспэй Сп. З О. О.
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
Priority claimed from PL388012A external-priority patent/PL388012A1/pl
Application filed by Масспэй Сп. З О. О. filed Critical Масспэй Сп. З О. О.
Publication of EA201190290A1 publication Critical patent/EA201190290A1/ru

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
    • G06Q20/08—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
    • G06Q20/38—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
    • 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
    • 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
    • G06Q20/22—Payment schemes or models
    • G06Q20/24—Credit schemes, i.e. "pay after"
    • 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
    • G06Q20/38—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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]
    • G06Q30/0613—Third-party assisted
    • 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
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/10—Network architectures or network communication protocols for network security for controlling access to devices or network resources
    • H04L63/102—Entity profiles
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/18—Network architectures or network communication protocols for network security using different networks or channels, e.g. using out of band channels
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W12/00—Security arrangements; Authentication; Protecting privacy or anonymity
    • H04W12/06—Authentication
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
    • H04W4/12—Messaging; Mailboxes; Announcements
    • H04W4/14—Short messaging services, e.g. short message services [SMS] or unstructured supplementary service data [USSD]
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
    • H04W4/20—Services signaling; Auxiliary data signalling, i.e. transmitting data via a non-traffic channel

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • Theoretical Computer Science (AREA)
  • General Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Physics & Mathematics (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Signal Processing (AREA)
  • Computer Security & Cryptography (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • General Engineering & Computer Science (AREA)
  • Computing Systems (AREA)
  • Computer Hardware Design (AREA)
  • Technology Law (AREA)
  • Telephonic Communication Services (AREA)
  • Mobile Radio Communication Systems (AREA)

Abstract

Способ авторизации операции с использованием мобильного телефона, включающий этап приема (102, 202) коммуникационным сервером (CS) запроса от пользователя (UR) на установление голосового вызова для установления голосового вызова телефонного номера, идентифицирующего операцию; авторизацию операции путем проверки (112, 206) параметров доступа пользователя (UR); принятие (106, 214) или отклонение (108, 216) голосового вызова; отправку запроса (116, 220) пользователю (UR) на введение необходимых параметров операции; введение (118, 222) запрашиваемых параметров операции; проверку (120, 224) системой (AS) авторизации правильности введенного параметра; определение (122, 226) ввода пользователем (UR) всех необходимых параметров операции, включая авторизацию пользователя для оплаты операции и предпочтительно пароль для ее авторизации; принятие оплаты стороной операции, отвечающей за указанную оплату (124, 228), и при принятии суммы оплаты отправку сообщения, содержащего инструкцию по резервированию (126, 230) на счете оплачивающей стороны денежных средств, достаточных для окончательного расчёта по указанной операции; определение (128, 232) предоставления системой (AS) авторизации всех необходимых параметров операции; хранение (130, 234) операции для ее последующей обработки или направления (132, 236) для окончательного расчёта.
EA201190290A 2009-05-12 2010-05-12 Способ авторизации операции с использованием мобильного телефона EA201190290A1 (ru)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
PL388012A PL388012A1 (pl) 2009-05-12 2009-05-12 Sposób świadczenia usług w sieci telekomunikacyjnej
PL39120310 2010-05-12
PCT/PL2010/000034 WO2010131988A1 (en) 2009-05-12 2010-05-12 A method for authorization of a transaction with the use of a mobile phone

Publications (1)

Publication Number Publication Date
EA201190290A1 true EA201190290A1 (ru) 2012-09-28

Family

ID=43085205

Family Applications (1)

Application Number Title Priority Date Filing Date
EA201190290A EA201190290A1 (ru) 2009-05-12 2010-05-12 Способ авторизации операции с использованием мобильного телефона

Country Status (18)

Country Link
US (1) US8965789B2 (ru)
EP (1) EP2430599A1 (ru)
KR (1) KR20120029422A (ru)
CN (1) CN102422318A (ru)
AP (1) AP3394A (ru)
AU (1) AU2010248168A1 (ru)
CA (1) CA2761743A1 (ru)
CL (1) CL2011002800A1 (ru)
CO (1) CO6470885A2 (ru)
CU (1) CU20110211A7 (ru)
EA (1) EA201190290A1 (ru)
MA (1) MA33353B1 (ru)
MX (1) MX2011011966A (ru)
MY (1) MY155596A (ru)
NZ (1) NZ597011A (ru)
TR (1) TR201111170T1 (ru)
WO (1) WO2010131988A1 (ru)
ZA (1) ZA201109145B (ru)

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Also Published As

Publication number Publication date
CL2011002800A1 (es) 2012-06-29
NZ597011A (en) 2014-01-31
AP2011005985A0 (en) 2011-12-31
CA2761743A1 (en) 2010-11-18
US8965789B2 (en) 2015-02-24
CN102422318A (zh) 2012-04-18
MX2011011966A (es) 2012-07-04
US20120078737A1 (en) 2012-03-29
CO6470885A2 (es) 2012-06-29
WO2010131988A1 (en) 2010-11-18
KR20120029422A (ko) 2012-03-26
AP3394A (en) 2015-08-31
EP2430599A1 (en) 2012-03-21
ZA201109145B (en) 2012-10-31
AU2010248168A1 (en) 2011-12-15
CU20110211A7 (es) 2012-06-29
MY155596A (en) 2015-11-13
MA33353B1 (fr) 2012-06-01
TR201111170T1 (tr) 2012-03-21

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