ES2240219T3 - Sistema de pago electronico a traves de una red de telecomunicacion. - Google Patents

Sistema de pago electronico a traves de una red de telecomunicacion.

Info

Publication number
ES2240219T3
ES2240219T3 ES00985415T ES00985415T ES2240219T3 ES 2240219 T3 ES2240219 T3 ES 2240219T3 ES 00985415 T ES00985415 T ES 00985415T ES 00985415 T ES00985415 T ES 00985415T ES 2240219 T3 ES2240219 T3 ES 2240219T3
Authority
ES
Spain
Prior art keywords
payment
server
seller
mobile terminal
network
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.)
Expired - Lifetime
Application number
ES00985415T
Other languages
English (en)
Spanish (es)
Inventor
Francoise Vallee
Eric Hannecart
Philippe Michon
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.)
Orange SA
Original Assignee
France Telecom SA
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 France Telecom SA filed Critical France Telecom SA
Application granted granted Critical
Publication of ES2240219T3 publication Critical patent/ES2240219T3/es
Anticipated expiration legal-status Critical
Expired - Lifetime legal-status Critical Current

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/26—Debit schemes, e.g. "pay now"
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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 OR CALCULATING; 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 OR CALCULATING; 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 OR CALCULATING; 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 OR CALCULATING; 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
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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]
    • G06Q20/3226—Use of secure elements separate from M-devices
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • G06Q20/3674—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes involving authentication
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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 OR CALCULATING; 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

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)
  • Computer Networks & Wireless Communication (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Mobile Radio Communication Systems (AREA)
  • Information Transfer Between Computers (AREA)
  • Meter Arrangements (AREA)
  • Computer And Data Communications (AREA)
ES00985415T 1999-12-09 2000-12-05 Sistema de pago electronico a traves de una red de telecomunicacion. Expired - Lifetime ES2240219T3 (es)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
FR9915644 1999-12-09
FR9915644A FR2802372B1 (fr) 1999-12-09 1999-12-09 Systeme de paiement electronique a travers un reseau de telecommunication

Publications (1)

Publication Number Publication Date
ES2240219T3 true ES2240219T3 (es) 2005-10-16

Family

ID=9553147

Family Applications (1)

Application Number Title Priority Date Filing Date
ES00985415T Expired - Lifetime ES2240219T3 (es) 1999-12-09 2000-12-05 Sistema de pago electronico a traves de una red de telecomunicacion.

Country Status (9)

Country Link
US (1) US7840496B2 (https=)
EP (1) EP1236185B1 (https=)
JP (1) JP2003516574A (https=)
AT (1) ATE294429T1 (https=)
AU (1) AU2184301A (https=)
DE (1) DE60019795T2 (https=)
ES (1) ES2240219T3 (https=)
FR (1) FR2802372B1 (https=)
WO (1) WO2001043087A1 (https=)

Families Citing this family (17)

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AU2001225528A1 (en) * 2000-01-13 2001-07-24 Access Co., Ltd. Information home electric appliance
AU2001257578A1 (en) 2000-03-07 2001-09-17 Wherenet Corp Transactions and business processes executed through wireless geolocation system infrastructure
US9684893B2 (en) 2000-06-30 2017-06-20 Tara Chand Singhal Apparatus and method for a wireless point of sale terminal
DE10138814A1 (de) * 2001-08-14 2003-03-06 Orga Kartensysteme Gmbh Computersystem und Verfahren zur bargeldlosen Bezahlung
US6826572B2 (en) * 2001-11-13 2004-11-30 Overture Services, Inc. System and method allowing advertisers to manage search listings in a pay for placement search system using grouping
FR2842928B1 (fr) * 2002-07-24 2006-08-11 Ascom Monetel Procede et dispositif pour automatiser les transactions
US6983882B2 (en) * 2003-03-31 2006-01-10 Kepler, Ltd. Personal biometric authentication and authorization device
AU2003278621A1 (en) * 2003-11-04 2005-05-19 Telenor Asa A method for purchasing of one or more offered items and/or services on an e-commerce site
KR100582389B1 (ko) * 2004-11-08 2006-05-23 주식회사 팬택앤큐리텔 Ｒｆ 결제시 중간 이벤트를 차단하는 모바일 커머스무선통신 단말기 및 그 방법
WO2006070212A1 (de) * 2004-12-27 2006-07-06 Zoltan Pal Mobile auf anforderung, bestellung, eingabe oder angabe durchgeführte automatisierte audio video internet aida fernaufzeichnung und teilung server oder peer to peer dienstleistung system anordnung, bzw. verfahren oder modavir (mobile on demand audio video internet remote recording server selling service system)
RU2388053C1 (ru) * 2008-11-06 2010-04-27 Александр Геннадьевич Рожков Способ проверки транзакций, автоматическая система для проверки транзакций и узел для проверки транзакций (варианты)
US8903783B2 (en) 2010-04-23 2014-12-02 Bridgepoint Education System and method for publishing and displaying digital materials
US9659291B2 (en) 2011-05-04 2017-05-23 Chien-Kang Yang Method for processing a payment
CN102542698B (zh) * 2011-12-27 2014-03-12 浙江省电力公司 一种电力移动缴费终端安全防护方法
CA2918399C (en) 2013-07-29 2020-03-10 Exxonmobil Research And Engineering Company System and method to purchase and dispense fuel and other products using a mobile device with improved user experience
CN104424724A (zh) * 2013-09-11 2015-03-18 杨建纲 即插即用交易方法及其系统、电脑装置、随身支付装置
CN107491944A (zh) * 2017-07-25 2017-12-19 贵州眯果创意科技有限公司 一种利用set协议的电子商务支付系统及set协议的支付流程

Family Cites Families (20)

* Cited by examiner, † Cited by third party
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US5353331A (en) * 1992-03-05 1994-10-04 Bell Atlantic Network Services, Inc. Personal communications service using wireline/wireless integration
US5754655A (en) * 1992-05-26 1998-05-19 Hughes; Thomas S. System for remote purchase payment and remote bill payment transactions
US5778173A (en) * 1996-06-12 1998-07-07 At&T Corp. Mechanism for enabling secure electronic transactions on the open internet
JP3660101B2 (ja) * 1996-11-14 2005-06-15 松下電器産業株式会社 パーソナル電子決済システム
EP0917327B1 (en) * 1996-12-13 2002-07-24 TELEFONAKTIEBOLAGET L M ERICSSON (publ) Method and system for performing electronic money transactions
US6868391B1 (en) * 1997-04-15 2005-03-15 Telefonaktiebolaget Lm Ericsson (Publ) Tele/datacommunications payment method and apparatus
FR2769446B1 (fr) * 1997-10-02 2000-01-28 Achille Joseph Marie Delahaye Systeme d'identification et d'authentification
FR2771875B1 (fr) * 1997-11-04 2000-04-14 Gilles Jean Antoine Kremer Procede de transmission d'information et serveur informatique le mettant en oeuvre
FR2771205B1 (fr) * 1997-11-20 2000-01-21 Gemplus Card Int Procede, carte a puce et terminaux pour effectuer des transactions a travers un reseau de telecommunication
US6233577B1 (en) * 1998-02-17 2001-05-15 Phone.Com, Inc. Centralized certificate management system for two-way interactive communication devices in data networks
FI980427L (fi) * 1998-02-25 1999-08-26 Ericsson Telefon Ab L M Menetelmä, järjestely ja laite todentamiseen
US6123259A (en) * 1998-04-30 2000-09-26 Fujitsu Limited Electronic shopping system including customer relocation recognition
FR2779896B1 (fr) * 1998-06-15 2000-10-13 Sfr Sa PROCEDE POUR PAYER A DISTANCE, AU MOYEN D'UN RADIOTELEPHONIQUE MOBILE, l'ACQUISITION D'UN BIEN ET/OU D'UN SERVICE ET SYSTEME ET RADIOTELEPHONE MOBILE CORRESPONDANTS
FI105965B (fi) * 1998-07-07 2000-10-31 Nokia Networks Oy Autentikointi tietoliikenneverkosssa
US6250557B1 (en) * 1998-08-25 2001-06-26 Telefonaktiebolaget Lm Ericsson (Publ) Methods and arrangements for a smart card wallet and uses thereof
US20020123965A1 (en) * 1998-12-22 2002-09-05 Joyce Phillips Method and system for electronic commerce using a mobile communication system
KR100314210B1 (ko) * 1999-02-23 2001-11-17 김용훈 이동통신단말기를 이용한 물품대금 결제방법
EP1047028A1 (de) * 1999-04-19 2000-10-25 TELEFONAKTIEBOLAGET LM ERICSSON (publ) Kommunikationssytem und Verfahren zur effizienten Durchführung von elektronischen Transaktionen in mobilen Kommunikationsnetzen
AU4350699A (en) * 1999-08-11 2001-02-15 Khai Hee Kwan Method, apparatus and program to make payment in any currencies through a communication network system
US7328189B2 (en) * 2000-01-26 2008-02-05 Paybyclick Corporation Method and apparatus for conducting electronic commerce transactions using electronic tokens

Also Published As

Publication number Publication date
JP2003516574A (ja) 2003-05-13
FR2802372A1 (fr) 2001-06-15
US20030093385A1 (en) 2003-05-15
WO2001043087A1 (fr) 2001-06-14
FR2802372B1 (fr) 2002-05-03
DE60019795D1 (de) 2005-06-02
EP1236185B1 (fr) 2005-04-27
AU2184301A (en) 2001-06-18
ATE294429T1 (de) 2005-05-15
US7840496B2 (en) 2010-11-23
EP1236185A1 (fr) 2002-09-04
DE60019795T2 (de) 2006-03-09

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