HU227291B1 - Method and system for cash-free payments - Google Patents

Method and system for cash-free payments Download PDF

Info

Publication number
HU227291B1
HU227291B1 HU0105475A HUP0105475A HU227291B1 HU 227291 B1 HU227291 B1 HU 227291B1 HU 0105475 A HU0105475 A HU 0105475A HU P0105475 A HUP0105475 A HU P0105475A HU 227291 B1 HU227291 B1 HU 227291B1
Authority
HU
Hungary
Prior art keywords
station
data
merchant
mobile phone
transaction
Prior art date
Application number
HU0105475A
Other languages
English (en)
Hungarian (hu)
Inventor
Mathias Entenmann
Original Assignee
A1 Telekom Austria Ag
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 Ag filed Critical A1 Telekom Austria Ag
Publication of HUP0105475A2 publication Critical patent/HUP0105475A2/hu
Publication of HU227291B1 publication Critical patent/HU227291B1/hu

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

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Theoretical Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Computer Security & Cryptography (AREA)
  • Mobile Radio Communication Systems (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Telephonic Communication Services (AREA)
  • Devices For Checking Fares Or Tickets At Control Points (AREA)
  • Telephone Function (AREA)
  • Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)
  • Cash Registers Or Receiving Machines (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)
HU0105475A 1999-02-02 2000-02-01 Method and system for cash-free payments HU227291B1 (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
HUP0105475A2 HUP0105475A2 (en) 2002-04-29
HU227291B1 true HU227291B1 (en) 2011-02-28

Family

ID=7895963

Family Applications (1)

Application Number Title Priority Date Filing Date
HU0105475A HU227291B1 (en) 1999-02-02 2000-02-01 Method and system for cash-free payments

Country Status (20)

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

Families Citing this family (42)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7908220B1 (en) 1999-03-30 2011-03-15 Simplus (Proprietary) Limited 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
DE10039569C5 (de) * 2000-08-09 2007-04-26 Vodafone Ag 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
WO2003009243A1 (en) * 2001-07-19 2003-01-30 W3 Infocomm Group Pte Ltd Mobile electronic funds transfer system and method
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
US7379920B2 (en) 2001-12-04 2008-05-27 Gary Leung 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
KR101048729B1 (ko) * 2004-06-30 2011-07-14 프랑스 텔레콤 다목적 전자 결제 방법 및 시스템
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

Family Cites Families (11)

* 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
US5608778A (en) * 1994-09-22 1997-03-04 Lucent Technologies Inc. Cellular telephone as an authenticated transaction controller
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
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
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
TW355899B (en) * 1997-01-30 1999-04-11 Qualcomm Inc Method and apparatus for performing financial transactions using a mobile communication unit
US6868391B1 (en) * 1997-04-15 2005-03-15 Telefonaktiebolaget Lm Ericsson (Publ) Tele/datacommunications payment method and apparatus
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
HUP0003100A3 (en) * 1997-06-27 2003-01-28 Swisscom Mobile Ag Transaction method using a mobile device and identifier device
EP0993664B1 (de) * 1997-06-27 2004-03-17 Swisscom Mobile AG Transaktionsverfahren mit einem mobilgerät

Also Published As

Publication number Publication date
IL144571A0 (en) 2002-05-23
YU54801A (sh) 2003-01-31
TR200102216T2 (tr) 2002-01-21
HUP0105475A2 (en) 2002-04-29
HRP20010568A2 (en) 2002-08-31
ZA200105872B (en) 2002-09-10
RU2242795C2 (ru) 2004-12-20
WO2000046768A1 (de) 2000-08-10
EP1149367A1 (de) 2001-10-31
CZ301247B6 (cs) 2009-12-16
JP2002541535A (ja) 2002-12-03
HRP20010568B1 (en) 2011-10-31
RS49614B (sr) 2007-08-03
NO20013777L (no) 2001-09-27
DE19903822A1 (de) 2000-08-10
KR20010108166A (ko) 2001-12-07
NO20013777D0 (no) 2001-08-01
MXPA01007779A (es) 2003-07-14
DE19903822C2 (de) 2001-09-20
CZ20012663A3 (cs) 2002-02-13
CN1339146A (zh) 2002-03-06
CA2361489A1 (en) 2000-08-10
BR0007964A (pt) 2001-11-06
CN1204535C (zh) 2005-06-01
ME01248B (me) 2007-08-03
AU2800400A (en) 2000-08-25

Similar Documents

Publication Publication Date Title
HU227291B1 (en) Method and system for cash-free payments
US7275685B2 (en) Method for electronic payment
EP1136961B1 (en) System and process for remote payments and transactions in real time by mobile telephone
US8924290B2 (en) Method and apparatus enabling improved protection of consumer information in electronic transactions
JP4490618B2 (ja) 支払いトランザクション方法および支払いトランザクションシステム
RU2644128C2 (ru) Система электронных платежей
US7533065B2 (en) Advanced method and arrangement for performing electronic payment transactions
RU2452020C2 (ru) Способ осуществления платежей (варианты) и система для осуществления способа
US20030119554A1 (en) Method and arrangement for performing a cashless payment transaction
US20090150248A1 (en) System for enhancing payment security, method thereof and payment center
KR100368600B1 (ko) 무선망 기반 결제승인장치 및 결제승인방법
US20020181710A1 (en) Mobile transaction system and method
US20100211491A1 (en) Universal mobile electronic commerce
US7139694B2 (en) Method and system for tranferring an electronic sum of money from a credit memory
US20210166242A1 (en) System and method for purchasing using biometric authentication
US20020152177A1 (en) Method and arrangement for electronically transferring an amount of money from a credit account memory
CN101501722A (zh) 通过预付费无线通信设备的货币转帐交易
KR20020069226A (ko) 상품거래장치, 이동체통신장치, 관리장치 및 상품거래시스템
US7356515B2 (en) Method and system for transferring an electronic sum of money from a credit memory
KR20050009772A (ko) 스마트카드 또는 스마트 칩이 내장된 이동통신 단말기를이용한 인증 방법 및 대금 결제 방법
UA64840C2 (uk) Спосіб електронних платежів (варіанти)
US20020156728A1 (en) Method and arrangement for the transmission of an electronic sum of money from a credit reserve by wap
US20070011103A1 (en) System and method for identity protected secured purchasing
US20100223146A1 (en) Method of Effecting Cashless Payments and a System for Implementing the Method
US20040002917A1 (en) Method and arrangement for electronically transferring an amount of money from a credit account memory

Legal Events

Date Code Title Description
GB9A Succession in title

Owner name: MOBILKOM AUSTRIA AKTIENGESELLSCHAFT, AT

Free format text: FORMER OWNER(S): PAYBOX.NET AG, DE; MOBILKOM AUSTRIA AKTIENGESELLSCHAFT & CO KG, AT; PAYBOX CENTRAL EASTERN EUROPE AG, DE

GB9A Succession in title

Owner name: A1 TELEKOM AUSTRIA AKTIENGESELLSCHAFT, AT

Free format text: FORMER OWNER(S): PAYBOX.NET AG, DE; MOBILKOM AUSTRIA AKTIENGESELLSCHAFT & CO KG, AT; MOBILKOM AUSTRIA AKTIENGESELLSCHAFT, AT; PAYBOX CENTRAL EASTERN EUROPE AG, DE