FI990053A0 - Menetelmä ja järjestelmä maksunhallintaan - Google Patents

Menetelmä ja järjestelmä maksunhallintaan

Info

Publication number
FI990053A0
FI990053A0 FI990053A FI990053A FI990053A0 FI 990053 A0 FI990053 A0 FI 990053A0 FI 990053 A FI990053 A FI 990053A FI 990053 A FI990053 A FI 990053A FI 990053 A0 FI990053 A0 FI 990053A0
Authority
FI
Finland
Prior art keywords
systems
control procedures
payment control
payment
procedures
Prior art date
Application number
FI990053A
Other languages
English (en)
Swedish (sv)
Other versions
FI105243B (fi
Inventor
Mariette Lehto
Original Assignee
Sonera Oy
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
Family has litigation
First worldwide family litigation filed litigation Critical https://patents.darts-ip.com/?family=8553336&utm_source=google_patent&utm_medium=platform_link&utm_campaign=public_patent_search&patent=FI990053(A0) "Global patent litigation dataset” by Darts-ip is licensed under a Creative Commons Attribution 4.0 International License.
Application filed by Sonera Oy filed Critical Sonera Oy
Priority to FI990053A priority Critical patent/FI105243B/fi
Publication of FI990053A0 publication Critical patent/FI990053A0/fi
Priority to CN00802802.8A priority patent/CN1337034A/zh
Priority to JP2000594088A priority patent/JP2002535762A/ja
Priority to EP00901172A priority patent/EP1153374A1/en
Priority to AU21140/00A priority patent/AU772087B2/en
Priority to PCT/FI2000/000020 priority patent/WO2000042581A1/fi
Application granted granted Critical
Publication of FI105243B publication Critical patent/FI105243B/fi
Priority to US09/903,225 priority patent/US7107078B2/en

Links

Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/0866—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means by active credit-cards adapted therefor
    • 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
    • G06Q20/10—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
    • G06Q20/10—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; 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]
    • G06Q20/3226—Use of secure elements separate from 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
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3227—Aspects of commerce using mobile devices [M-devices] using secure elements embedded in 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
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3229—Use of the SIM of a M-device as secure element
    • 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
    • G06Q20/3263—Payment applications installed on the mobile devices characterised by activation or deactivation of payment capabilities
    • 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
    • G06Q20/3265—Payment applications installed on the mobile devices characterised by personalisation for use
    • 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
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/363—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Finance (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Mobile Radio Communication Systems (AREA)
  • Telephone Function (AREA)
  • Telephonic Communication Services (AREA)
FI990053A 1999-01-13 1999-01-13 Menetelmä ja järjestelmä maksunhallintaan FI105243B (fi)

Priority Applications (7)

Application Number Priority Date Filing Date Title
FI990053A FI105243B (fi) 1999-01-13 1999-01-13 Menetelmä ja järjestelmä maksunhallintaan
CN00802802.8A CN1337034A (zh) 1999-01-13 2000-01-12 管理付费的方法和系统
JP2000594088A JP2002535762A (ja) 1999-01-13 2000-01-12 支払管理方法およびそのシステム
EP00901172A EP1153374A1 (en) 1999-01-13 2000-01-12 Method and system for the management of payment
AU21140/00A AU772087B2 (en) 1999-01-13 2000-01-12 Method and system for the management of payment
PCT/FI2000/000020 WO2000042581A1 (fi) 1999-01-13 2000-01-12 Method and system for the management of payment
US09/903,225 US7107078B2 (en) 1999-01-13 2001-07-11 Method and system for the effecting payments by means of a mobile station

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
FI990053 1999-01-13
FI990053A FI105243B (fi) 1999-01-13 1999-01-13 Menetelmä ja järjestelmä maksunhallintaan

Publications (2)

Publication Number Publication Date
FI990053A0 true FI990053A0 (fi) 1999-01-13
FI105243B FI105243B (fi) 2000-06-30

Family

ID=8553336

Family Applications (1)

Application Number Title Priority Date Filing Date
FI990053A FI105243B (fi) 1999-01-13 1999-01-13 Menetelmä ja järjestelmä maksunhallintaan

Country Status (7)

Country Link
US (1) US7107078B2 (fi)
EP (1) EP1153374A1 (fi)
JP (1) JP2002535762A (fi)
CN (1) CN1337034A (fi)
AU (1) AU772087B2 (fi)
FI (1) FI105243B (fi)
WO (1) WO2000042581A1 (fi)

Families Citing this family (39)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7000001B2 (en) * 2000-09-12 2006-02-14 Research In Motion Limited Bookmark beacon system and method
US7333947B2 (en) 2000-11-13 2008-02-19 Anoto Ab Network-based system
GB0027922D0 (en) * 2000-11-15 2001-01-03 Haidar Mahmoud N Y Electronic payment and associated systems
EP3296833A1 (en) * 2001-05-24 2018-03-21 Sony Corporation Service providing method and integrated circuit
US7054430B2 (en) 2001-08-23 2006-05-30 Paymentone Corporation Method and apparatus to validate a subscriber line
EP1428185A1 (en) * 2001-09-06 2004-06-16 Nokia Corporation A method and network element for paying by a mobile terminal through a communication network
CN100433617C (zh) 2001-12-04 2008-11-12 M概念有限公司 使用移动电信设备以便于电子财务交易的系统及方法
US6726092B2 (en) 2001-12-28 2004-04-27 Interdigital Technology Corporation Portable device service payments by multiple means
EP2048865A3 (en) * 2002-03-12 2009-04-29 InterDigital Technology Corporation Apparatus for and method of selecting payment source for communication services
DE50304351D1 (de) * 2003-01-08 2006-09-07 Siemens Ag Verfahren zum Durchführen von Zahlungsvorgängen mittels eines Telekommunikationsnetzes
EP1450316B1 (de) * 2003-02-21 2014-08-27 Swisscom AG Verfahren und Modul zur Verwaltung eines Wertkontos
EP1450320A1 (de) * 2003-02-21 2004-08-25 Swisscom Mobile AG Zahlungsmodul mit mehreren Zahlungskonten, Zahlungssystem und Zahlungsverfahren
WO2006010800A1 (fr) * 2004-06-30 2006-02-02 France Telecom Procede et systeme de paiement electronique universel
US7945240B1 (en) * 2005-05-13 2011-05-17 At&T Mobility Ii Llc Mobile communications billing architecture
US7953664B2 (en) * 2006-02-28 2011-05-31 The Invention Science Fund I, Llc Using payment indicators in a common image
US8200579B2 (en) 2006-02-28 2012-06-12 The Invention Science Fund I, Llc Using payment mode rankings responsive to item attributes
EP1881688A1 (de) * 2006-07-19 2008-01-23 Siemens Aktiengesellschaft Verfahren zum Auswählen eines Kontos für eine Abrechnung eines mittels eines Kommunikationsnetzes angebotenen Dienstes
FR2905021B1 (fr) * 2006-08-18 2010-06-11 Paycool Int Ltd Procede et systeme de paiement a l'aide d'un telephone mobile
FR2908211B1 (fr) * 2006-11-08 2009-02-20 Paycool Int Ltd Procede et systeme de retrait d'argent a l'aide d'un telephone mobile
US20080221996A1 (en) * 2007-02-26 2008-09-11 Lucas Mark S Non-intrusive advertising using a mobile terminal
JP5520813B2 (ja) * 2007-04-17 2014-06-11 ビザ ユー．エス．エー．インコーポレイテッド 取引のための個人認証方法、サーバ、およびその方法を実行するためのプログラム記憶媒体
US8543496B2 (en) 2007-04-27 2013-09-24 American Express Travel Related Services Company, Inc. User experience on mobile phone
US20080270301A1 (en) * 2007-04-27 2008-10-30 American Express Travel Related Services Co., Inc. Mobile payment system and method
US8620260B2 (en) 2007-04-27 2013-12-31 American Express Travel Related Services Company, Inc. Payment application download to mobile phone and phone personalization
US8688570B2 (en) 2007-04-27 2014-04-01 American Express Travel Related Services Company, Inc. System and method for performing person-to-person funds transfers via wireless communications
US20090192926A1 (en) * 2008-01-30 2009-07-30 Intuit Inc. Real-time payroll
US9098869B2 (en) 2008-06-25 2015-08-04 Telefonaktiebolaget L M Ericsson (Publ) Dynamic payment methods and devices
US10454693B2 (en) * 2009-09-30 2019-10-22 Visa International Service Association Mobile payment application architecture
US9516017B2 (en) 2009-10-23 2016-12-06 Apriva, Llc System and device for consolidating SIM, personal token, and associated applications for electronic wallet transactions
EP2491524A4 (en) * 2009-10-23 2014-10-01 Apriva Llc SYSTEM AND DEVICE FOR CONSOLIDATING SIM, PERSONAL TOKEN AND ASSOCIATED APPLICATIONS
US9544303B2 (en) * 2009-10-23 2017-01-10 Apriva, Llc System and device for consolidating SIM, personal token, and associated applications for selecting a transaction settlement entity
US20110238579A1 (en) * 2009-10-23 2011-09-29 Apriva, Llc System and device for facilitating a secure transaction with a validated token
US9112857B2 (en) * 2009-10-23 2015-08-18 Apriva, Llc System and device for facilitating a wireless transaction by consolidating SIM, personal token, and associated applications
US20110237224A1 (en) * 2009-10-23 2011-09-29 Apriva, Llc System and device for facilitating remote invocation of personal token capabilities
US20110238580A1 (en) * 2009-10-23 2011-09-29 Apriva, Llc System and device for consolidating sim, personal token, and associated applications for secure transmission of sensitive data
US9953311B2 (en) 2013-09-25 2018-04-24 Visa International Service Association Systems and methods for incorporating QR codes
US10990941B1 (en) 2014-08-15 2021-04-27 Jpmorgan Chase Bank, N.A. Systems and methods for facilitating payments
CN106156087A (zh) 2015-04-01 2016-11-23 阿里巴巴集团控股有限公司 数据处理方法及装置
US10552859B2 (en) 2015-05-06 2020-02-04 Obsidian Networks, Inc. Systems, methods, and apparatuses for tender steering

Family Cites Families (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6654378B1 (en) * 1992-03-18 2003-11-25 Broadcom Corp. Transaction control system including portable data terminal and mobile customer service station
US5387784A (en) * 1990-10-30 1995-02-07 Societe D'applications Generales D'electricite Et De Mecanique Sagem Portable payment terminals and network for such terminals
WO1997045814A1 (en) * 1996-05-24 1997-12-04 Behruz Vazvan Real time system and method for remote purchase payment and remote bill payment transactions and transferring of electronic cash and other required data
US6314406B1 (en) * 1996-06-26 2001-11-06 Telxon Corporation Customer information network
US6331972B1 (en) * 1997-02-03 2001-12-18 Motorola, Inc. Personal data storage and transaction device system and method
FR2803071B1 (fr) * 1999-12-23 2002-11-22 Sagem Terminal de paiement par carte a puce

Also Published As

Publication number Publication date
US7107078B2 (en) 2006-09-12
CN1337034A (zh) 2002-02-20
EP1153374A1 (en) 2001-11-14
US20030060186A1 (en) 2003-03-27
JP2002535762A (ja) 2002-10-22
WO2000042581A1 (fi) 2000-07-20
AU772087B2 (en) 2004-04-08
AU2114000A (en) 2000-08-01
FI105243B (fi) 2000-06-30

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