HRP20010568B1 - Method of effecting cashless payments and a system for implementing the method - Google Patents

Method of effecting cashless payments and a system for implementing the method

Info

Publication number
HRP20010568B1
HRP20010568B1 HR20010568A HRP20010568A HRP20010568B1 HR P20010568 B1 HRP20010568 B1 HR P20010568B1 HR 20010568 A HR20010568 A HR 20010568A HR P20010568 A HRP20010568 A HR P20010568A HR P20010568 B1 HRP20010568 B1 HR P20010568B1
Authority
HR
Croatia
Prior art keywords
transaction
mobile phone
procedure
data
identification code
Prior art date
Application number
HR20010568A
Other languages
English (en)
Croatian (hr)
Inventor
Entenmann Mathias
Original Assignee
A1 Telekom Austria Aktiengesellschaft
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 A1 Telekom Austria Aktiengesellschaft filed Critical A1 Telekom Austria Aktiengesellschaft
Publication of HRP20010568A2 publication Critical patent/HRP20010568A2/hr
Publication of HRP20010568B1 publication Critical patent/HRP20010568B1/xx

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
    • G06Q20/08—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
    • G06Q20/08—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
    • G06Q20/30—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
    • G06Q20/30—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
    • G06Q20/322—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
    • G06Q20/327—Short range or proximity payments by means of 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
    • 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
HR20010568A 1999-02-02 2001-07-27 Method of effecting cashless payments and a system for implementing the method HRP20010568B1 (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
DE19903822A DE19903822C2 (de) 1999-02-02 1999-02-02 Verfahren zur Durchführung bargeldloser Zahlungen und System zur Durchführung des Verfahrens
PCT/EP2000/000772 WO2000046768A1 (de) 1999-02-02 2000-02-01 Verfahren zur durchführung bargeldloser zahlungen und system zur durchführung des verfahrens

Publications (2)

Publication Number Publication Date
HRP20010568A2 HRP20010568A2 (en) 2002-08-31
HRP20010568B1 true HRP20010568B1 (en) 2011-10-31

Family

ID=7895963

Family Applications (1)

Application Number Title Priority Date Filing Date
HR20010568A HRP20010568B1 (en) 1999-02-02 2001-07-27 Method of effecting cashless payments and a system for implementing the method

Country Status (20)

Country Link
EP (1) EP1149367A1 (ru)
JP (1) JP2002541535A (ru)
KR (1) KR20010108166A (ru)
CN (1) CN1204535C (ru)
AU (1) AU2800400A (ru)
BR (1) BR0007964A (ru)
CA (1) CA2361489A1 (ru)
CZ (1) CZ301247B6 (ru)
DE (1) DE19903822C2 (ru)
HR (1) HRP20010568B1 (ru)
HU (1) HU227291B1 (ru)
IL (1) IL144571A0 (ru)
ME (1) ME01248B (ru)
MX (1) MXPA01007779A (ru)
NO (1) NO20013777L (ru)
RS (1) RS49614B (ru)
RU (1) RU2242795C2 (ru)
TR (1) TR200102216T2 (ru)
WO (1) WO2000046768A1 (ru)
ZA (1) ZA200105872B (ru)

Families Citing this family (42)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CA2368577C (en) 1999-03-30 2014-08-26 Mark Russell Attieh A method of conducting financial transactions
US20060178986A1 (en) * 2000-02-17 2006-08-10 Giordano Joseph A System and method for processing financial transactions using multi-payment preferences
DE10009710A1 (de) * 2000-03-01 2001-09-13 Roland Eckert Verfahren zum Austausch von Zahlungsinformationen im internetfähigen bargeldlosen Zahlungsverkehr
DE10022774A1 (de) * 2000-05-10 2001-12-06 Mueller Judex Donald Mobilfunksystem
DE10066375A1 (de) * 2000-08-09 2007-10-25 Vodafone Holding Gmbh Verfahren zur Bezahlung an beliebigen Verkaufs- bzw. Dienstleistungsstellen mit Mobiltelefon
DE10040799A1 (de) * 2000-08-21 2002-04-25 Siemens Ag Verfahren für sichere Transaktionen im Zusammenhang mit elektronischem Handel
DE10136080A1 (de) * 2000-11-21 2002-06-06 Wolfgang Zint Verfahren zum Durchführen einer bargeldlosen Finanztransaktion
DE10058249A1 (de) * 2000-11-23 2002-06-13 Anthros Gmbh & Co Kg Verfahren zur gesicherten elektronischen Übermittlung von Transaktionsdaten
EP1229467A1 (de) 2001-02-06 2002-08-07 Wincor Nixdorf GmbH & Co KG Bezahlsystem mit einem mobilen Gerät
WO2002071353A1 (de) * 2001-03-01 2002-09-12 Peter Ligezinski Vorrichtung und verfahren zum bargeldlosen bezahlen
JP2002259877A (ja) * 2001-03-02 2002-09-13 Mitsubishi Electric Corp 決済サーバ及び購入者端末及び店舗端末及び決済ポータルサーバ及び決済システム及び決済方法及び決済ポータルシステム及び決済プログラム及び決済プログラムを記録した計算機で読み取り可能な記録媒体及び決済依頼プログラム及び決済依頼プログラムを記録した計算機で読み取り可能な記録媒体
CN1529878A (zh) * 2001-07-19 2004-09-15 W3��Ѷ���ż���˽�����޹�˾ 移动电子资金转帐系统和方法
DE10138814A1 (de) * 2001-08-14 2003-03-06 Orga Kartensysteme Gmbh Computersystem und Verfahren zur bargeldlosen Bezahlung
DE10153660A1 (de) * 2001-10-31 2003-05-15 Sandy Koch System zur Abwicklung bargeldloser Zahlungsleistungen
EP1461897A4 (en) 2001-12-04 2007-05-02 Conceptm Company Ltd SYSTEM AND METHOD FOR FACILITATING ELECTRONIC FINANCIAL TRANSACTIONS USING A MOBILE TELECOMMUNICATION DEVICE
US6726092B2 (en) * 2001-12-28 2004-04-27 Interdigital Technology Corporation Portable device service payments by multiple means
DE10210792B4 (de) * 2002-03-12 2004-09-23 Materna Gmbh Information & Communications Verfahren und System zur Freischaltung eines kostenpflichtigen Mobilfunk- oder Online-Dienstes
US8060139B2 (en) * 2002-06-24 2011-11-15 Toshiba American Research Inc. (Tari) Authenticating multiple devices simultaneously over a wireless link using a single subscriber identity module
EP1403792A1 (en) * 2002-09-26 2004-03-31 Valentino Callegari A three terminal network for off-line digital electronic payments-network
GB2393806A (en) * 2002-10-05 2004-04-07 Simos Symeou Method for confirming authorisation of access to an account
DE10310527B4 (de) 2003-03-11 2008-11-20 Christian Hogl Verfahren zum Initiieren und/oder Durchführen einer Zahlungstransaktion
DE10331733A1 (de) * 2003-07-11 2005-01-27 Rene Lehmann Bezahlsystem
EP1771827A1 (fr) * 2004-06-30 2007-04-11 France Télécom Procede et systeme de paiement electronique universel
DE102004041356B4 (de) * 2004-08-25 2006-12-07 Claudia Von Heesen Verfahren und System zur sicheren Abwicklung von elektronischen Finanzdienstleistungen mithilfe einer elektronischen Finanzdienstleistungsvermittlungseinrichtung
DE102004049009A1 (de) * 2004-10-05 2006-04-06 Deutsche Telekom Ag Verfahren und Kommunikationssystem zum Abwickeln eines Zahlungsverkehrs
JP4555120B2 (ja) * 2005-02-23 2010-09-29 株式会社大和証券グループ本社 サーバシステム、方法及びプログラム
US7831520B2 (en) 2005-06-28 2010-11-09 Ebay Inc. Mobile device communication system
US20080126251A1 (en) * 2006-09-21 2008-05-29 Tomas Karl-Axel Wassingbo System and method for utilizing a portable network device to initiate and authorize a payment transaction
DE102006054484A1 (de) * 2006-11-18 2008-05-21 Fiducia It Ag Verfahren zur Interaktion eines Bankkunden mit einem Geldautomaten, zugehörige mobile Ein- und/oder Ausgabeeinrichtung sowie System zum Durchführen einer solchen Interaktion
DE102006057871A1 (de) * 2006-12-08 2008-06-12 Deutsche Telekom Ag Verfahren zur Personalisierung einer Telekommunikation
DE102007053638A1 (de) * 2007-11-08 2009-06-04 Deutsche Telekom Ag Verfahren und Vorrichtung zum gesteuerten Transferieren eines Geldbetrages von einem Prepaidkonto eines Zahlers auf das Konto eines Zahlungsempfängers
SE532268C2 (sv) 2007-12-04 2009-11-24 Accumulate Ab Förfarande för säkra transaktioner
GB0901407D0 (en) * 2009-01-28 2009-03-11 Validsoft Uk Ltd Card false-positive prevention
NO20101728A1 (no) * 2010-03-04 2011-09-05 Mcash Norge As Mobil betaling
DE102010036037A1 (de) 2010-08-31 2012-03-01 Jürgen Schaar Verfahren zur Durchführung bargeldioser Zahlungstransaktionen und Transaktionsystem zur Durchführung des Verfahrens
EP2472819B1 (en) * 2010-12-31 2016-03-23 Regify S.A. Systems and methods for providing and operating a secure communication network
RU2011125333A (ru) * 2011-06-21 2012-12-27 Евгений Яковлевич Билюкин Способ осуществления электронной оплаты товара с применением средства мобильной связи
WO2013100825A1 (ru) * 2011-12-29 2013-07-04 Bilyukin Evgeniy Yakovlevich Кассовый аппарат для системы мобильных платежей
SG10201506662XA (en) * 2015-03-03 2016-10-28 Mastercard Asia Pacific Pte Ltd Method For Enabling A Communication Link Between A Mobile Terminal And A Receiving Terminal
US10380589B2 (en) 2015-10-02 2019-08-13 Chicago Mercantile Exchange Inc. Virtual payment processing system
US10387881B2 (en) 2015-10-02 2019-08-20 Chicago Mercantile Exchange Inc. Virtual payment processing system
US11625785B2 (en) 2017-06-05 2023-04-11 Chicago Mercantile Exchange Inc. Secure electronic tokens in an electronic tokening system

Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP0708547A2 (en) * 1994-09-22 1996-04-24 AT&T Corp. Cellular telephone as an authenticated transaction controller
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
WO1998021677A1 (fr) * 1996-11-14 1998-05-22 Matsushita Electric Industrial Co., Ltd. Systeme de reglement electronique personnel, terminal de ce dernier et appareil permettant de gerer ce systeme
WO1998034203A1 (en) * 1997-01-30 1998-08-06 Qualcomm Incorporated Method and apparatus for performing financial transactions using a mobile communication unit
WO1998037524A1 (de) * 1997-06-27 1998-08-27 Swisscom Ag Transaktionsverfahren mit einem mobilgerät
WO1998047116A1 (en) * 1997-04-15 1998-10-22 Telefonaktiebolaget Lm Ericsson (Publ) Tele/datacommunications payment method and apparatus

Family Cites Families (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5557516A (en) * 1994-02-04 1996-09-17 Mastercard International System and method for conducting cashless transactions
US5708422A (en) * 1995-05-31 1998-01-13 At&T Transaction authorization and alert system
JPH09116960A (ja) * 1995-10-18 1997-05-02 Fujitsu Ltd キャッシュレスシステム及び該システムで使用する携帯機
SE512748C2 (sv) * 1997-05-15 2000-05-08 Access Security Sweden Ab Förfarande, aktivt kort, system samt användning av aktivt kort för att genomföra en elektronisk transaktion
JP2002511172A (ja) * 1997-06-27 2002-04-09 スイスコム モバイル アーゲー 移動装置によるトランザクション方法

Patent Citations (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP0708547A2 (en) * 1994-09-22 1996-04-24 AT&T Corp. Cellular telephone as an authenticated transaction controller
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
WO1998021677A1 (fr) * 1996-11-14 1998-05-22 Matsushita Electric Industrial Co., Ltd. Systeme de reglement electronique personnel, terminal de ce dernier et appareil permettant de gerer ce systeme
EP0910028A1 (en) * 1996-11-14 1999-04-21 Matsushita Electric Industrial Co., Ltd. Personal electronic settlement system, its terminal, and management apparatus
WO1998034203A1 (en) * 1997-01-30 1998-08-06 Qualcomm Incorporated Method and apparatus for performing financial transactions using a mobile communication unit
WO1998047116A1 (en) * 1997-04-15 1998-10-22 Telefonaktiebolaget Lm Ericsson (Publ) Tele/datacommunications payment method and apparatus
WO1998037524A1 (de) * 1997-06-27 1998-08-27 Swisscom Ag Transaktionsverfahren mit einem mobilgerät

Also Published As

Publication number Publication date
CA2361489A1 (en) 2000-08-10
EP1149367A1 (de) 2001-10-31
CZ301247B6 (cs) 2009-12-16
MXPA01007779A (es) 2003-07-14
ZA200105872B (en) 2002-09-10
WO2000046768A1 (de) 2000-08-10
HRP20010568A2 (en) 2002-08-31
HU227291B1 (en) 2011-02-28
AU2800400A (en) 2000-08-25
DE19903822C2 (de) 2001-09-20
TR200102216T2 (tr) 2002-01-21
BR0007964A (pt) 2001-11-06
DE19903822A1 (de) 2000-08-10
ME01248B (me) 2007-08-03
YU54801A (sh) 2003-01-31
CN1204535C (zh) 2005-06-01
JP2002541535A (ja) 2002-12-03
NO20013777L (no) 2001-09-27
HUP0105475A2 (en) 2002-04-29
RU2242795C2 (ru) 2004-12-20
NO20013777D0 (no) 2001-08-01
KR20010108166A (ko) 2001-12-07
IL144571A0 (en) 2002-05-23
CN1339146A (zh) 2002-03-06
CZ20012663A3 (cs) 2002-02-13
RS49614B (sr) 2007-08-03

Similar Documents

Publication Publication Date Title
HRP20010568B1 (en) Method of effecting cashless payments and a system for implementing the method
US10395251B2 (en) Remotely generated behavioral profile for storage and use on mobile device
RU2001124358A (ru) Способ осуществления безналичных расчетов и система для осуществления способа
US8469277B2 (en) Methods, systems and computer program products for wireless payment transactions
CN101098371B (zh) 金融数据处理方法和移动终端设备
CN105264558A (zh) 用于执行预授权金融交易的方法及系统
ES2284696T3 (es) Procedimiento y sistema para transmitir una suma de dinero electronica desde una memoria de credito.
RU2008113214A (ru) Система и способ использования защищенных номеров счетов в устройствах бесконтактного действия
CN106447310A (zh) 减少无接触交易的交互时间的设备，系统和方法
KR20000070485A (ko) 가입자식별모듈 이동국 및 스마트카드기능 수행방법
SG86428A1 (en) System and process for remote payments and transactions in real time by mobile telephone
CN103400265A (zh) 一种基于位置信息的快速支付方法及系统
JP2001222768A (ja) 取引きシステムおよび方法
CN109087085A (zh) 一种公交二维码的脱机支付方法及支付系统
CN101872513B (zh) 基于pos机的数据处理方法、装置及系统
CN110097346A (zh) 一种基于区块链的支付方式及装置
CN101901436A (zh) 一种实现业务支付的方法、装置和系统
US20070011103A1 (en) System and method for identity protected secured purchasing
CN105512882A (zh) 一种基于hce的支付方法和装置
CN105741111A (zh) 移动支付方法、系统及设备
CN102270326A (zh) 基于智能网支付类增值业务的鉴权计费系统和方法
CN110119941A (zh) 移动支付系统以及移动支付方法
WO2014168318A1 (ko) 대표카드를 이용한 금융결제 시스템 및 그 방법
US20230008112A1 (en) Proximity-Based Secure Communication System and Method for Digital Transactions
CN109460992B (zh) 一种基于nfc的高速公路etc卡查询与充值方法

Legal Events

Date Code Title Description
A1OB Publication of a patent application
AIPI Request for the grant of a patent on the basis of a substantive examination of a patent application
PPPP Transfer of rights

Owner name: PAYBOX CENTRAL EASTERN EUROPE AG, DE

PPPP Transfer of rights

Owner name: MOBILKOM AUSTRIA AKTIENGESELLSCHAFT & CO KG, AT

PPPP Transfer of rights

Owner name: MOBILKOM AUSTRIA AKTIENGESELLSCHAFT, AT

PNAN Change of the applicant name, address/residence

Owner name: A1 TELEKOM AUSTRIA AKTIENGESELLSCHAFT, AT

Owner name: TELEKOM AUSTRIA TA AKTIENGESELLSCHAFT, AT

B1PR Patent granted
ODRP Renewal fee for the maintenance of a patent

Payment date: 20190128

Year of fee payment: 20

PB20 Patent expired after termination of 20 years

Effective date: 20200201