HUP0105390A2 - Method for controlled charging electronic means of payment from a mobil telephone and handling deal of money by mobil telephone, in particular for handling financial transactions - Google Patents

Method for controlled charging electronic means of payment from a mobil telephone and handling deal of money by mobil telephone, in particular for handling financial transactions

Info

Publication number
HUP0105390A2
HUP0105390A2 HU0105390A HUP0105390A HUP0105390A2 HU P0105390 A2 HUP0105390 A2 HU P0105390A2 HU 0105390 A HU0105390 A HU 0105390A HU P0105390 A HUP0105390 A HU P0105390A HU P0105390 A2 HUP0105390 A2 HU P0105390A2
Authority
HU
Hungary
Prior art keywords
mobile phone
during
transaction
handling
payment
Prior art date
Application number
HU0105390A
Other languages
Hungarian (hu)
Inventor
René Molnár
Original Assignee
René Molnár
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 René Molnár filed Critical René Molnár
Priority to HU0105390A priority Critical patent/HUP0105390A2/en
Publication of HU0105390D0 publication Critical patent/HU0105390D0/en
Priority to AU2002353248A priority patent/AU2002353248A1/en
Priority to EP02788268A priority patent/EP1537545A2/en
Priority to PCT/HU2002/000154 priority patent/WO2003054820A2/en
Publication of HUP0105390A2 publication Critical patent/HUP0105390A2/en

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
    • G06Q20/22—Payment schemes or models
    • G06Q20/28—Pre-payment schemes, e.g. "pay before"
    • 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

Abstract

A találmány tárgya eljárás elektronikus fizetőeszköz mobiltelefonrólvezérelt feltöltésére és pénzforgalom mobiltelefonnal való kezelésére,előnyösen pénzügyi tranzakciók lebonyolítására, melynek során abankkártya vagy hitelkánya fizikai használata nélkül mobiltelefonrólelektronikus úton küldött parancsokkal, utasításokkal tesznek át apénzt arra az eszközre, például telefonkártyára, amivel fizetnek vagyfelhasználnak. A találmány szerinti eljárás során mobiltelefont minttöbbfunkciós input-output perifériát felhasználva egy központiadatkezelő számítógép számára adnak utasításokat, valamint fogadnakhang és szöveges információkat. Az eljárás jellemzője, hogy a központiadatkezelő számítógép egy olyan egység, amely a mobiltelefon-központban van elhelyezve, vagy egy olyan távoli számítógép, amely amobiltelefon központban levő adatkezelő és továbbító számítógéppelönmagában ismert módon, célszerűen adatvonalon áll kapcsolatban. Azeljárás során a pénzforgalmi tranzakció lebonyolításához a központiadatkezelő számítógép számára előzetesen vagy a tranzakcióindításakor, vagy annak során megadják a forrást, ahonnan a pénzügyitranzakció, vagy áttöltés történik, adott esetben a saját bankszámla,hitelkártya számla számát, a célt, ahová az áttöltés történik, amelyadott esetben egy adott konkrét prepaid kártya, ahová átkerül azösszeg, továbbá az összeget, amelyet a tranzakció vagy áttöltés sorána forrásból a cél felé mozgatnak, amit adott esetben előzetesen vagy arendszergazda határoz meg, vagy a felhasználó. A tranzakció indításaegy adott telefonszám felhívásával vagy adott telefonszámra valamilyenszöveges vagy adatüzenetet küldésével történik, továbbá az áttöltés ahívással egyidejűleg vagy a hívás vagy adatküldés eredményeként aközponti számítógéppel folytatott kommunikáció során kiadott parancsratörténik meg. ÓThe subject of the invention is a method for the controlled charging of an electronic payment device from a mobile phone and the handling of cash flows with a mobile phone, preferably for conducting financial transactions, during which without the physical use of a bank card or credit card, money is transferred to the device, such as a phone card, which is used for payment or use, with commands and instructions sent electronically from a mobile phone. During the method according to the invention, a mobile phone is used as a multifunctional input-output peripheral to give instructions to a central data management computer, as well as to receive voice and text information. The characteristic of the procedure is that the central data management computer is a unit that is located in the mobile phone exchange, or a remote computer that is connected to the data management and forwarding computer in the mobile phone exchange in a known manner, preferably via a data line. During the procedure, in order to complete the payment transaction, the central data management computer is given the source from which the financial transaction or transfer takes place in advance, either when the transaction is started, or during the process, as appropriate, the number of one's own bank account or credit card account, the destination to which the transfer takes place, which, as the case may be, a specific prepaid card to which the amount is transferred, as well as the amount that is moved from the source to the destination during the transaction or transfer, which is determined in advance either by the administrator or the user. The transaction is initiated by calling a given phone number or by sending a text or data message to a given phone number, and the transfer occurs simultaneously with the call or as a result of the call or data transmission on a command issued during communication with the central computer. HE

HU0105390A 2001-12-20 2001-12-20 Method for controlled charging electronic means of payment from a mobil telephone and handling deal of money by mobil telephone, in particular for handling financial transactions HUP0105390A2 (en)

Priority Applications (4)

Application Number Priority Date Filing Date Title
HU0105390A HUP0105390A2 (en) 2001-12-20 2001-12-20 Method for controlled charging electronic means of payment from a mobil telephone and handling deal of money by mobil telephone, in particular for handling financial transactions
AU2002353248A AU2002353248A1 (en) 2001-12-20 2002-12-20 Method for loading electronic means of payment controlled by a mobile telephone
EP02788268A EP1537545A2 (en) 2001-12-20 2002-12-20 Method for loading electronic means of payment controlled by a mobile telephone
PCT/HU2002/000154 WO2003054820A2 (en) 2001-12-20 2002-12-20 Method for loading electronic means of payment controlled by a mobile telephone

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
HU0105390A HUP0105390A2 (en) 2001-12-20 2001-12-20 Method for controlled charging electronic means of payment from a mobil telephone and handling deal of money by mobil telephone, in particular for handling financial transactions

Publications (2)

Publication Number Publication Date
HU0105390D0 HU0105390D0 (en) 2002-02-28
HUP0105390A2 true HUP0105390A2 (en) 2003-11-28

Family

ID=89980022

Family Applications (1)

Application Number Title Priority Date Filing Date
HU0105390A HUP0105390A2 (en) 2001-12-20 2001-12-20 Method for controlled charging electronic means of payment from a mobil telephone and handling deal of money by mobil telephone, in particular for handling financial transactions

Country Status (4)

Country Link
EP (1) EP1537545A2 (en)
AU (1) AU2002353248A1 (en)
HU (1) HUP0105390A2 (en)
WO (1) WO2003054820A2 (en)

Families Citing this family (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7540408B2 (en) 2006-06-22 2009-06-02 Hip Consult Inc. Apparatus and method for facilitating money or value transfer

Family Cites Families (9)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
SE506506C2 (en) * 1995-04-11 1997-12-22 Au System Electronic transaction terminal, telecommunication system including an electronic transaction terminal, smart card as electronic transaction terminal and method of transferring electronic credits
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
US5991749A (en) * 1996-09-11 1999-11-23 Morrill, Jr.; Paul H. Wireless telephony for collecting tolls, conducting financial transactions, and authorizing other activities
PT848537E (en) * 1996-12-12 2001-10-31 E Plus Mobilfunk Gmbh & Co Kg PROCESS FOR LOADING A TELEPHONE CARD FOR TELEMOVERIES
FI113727B (en) * 1998-09-17 2004-05-31 Elisa Oyj Method and system for the advance payment of telephone charges
WO2000033264A1 (en) * 1998-12-02 2000-06-08 Swisscom Ag Method and system for charging or recharging an account with a value corresponding to a sum of money
DE19956500A1 (en) * 1999-11-24 2002-01-31 Siemens Ag Arrangement and data entry and transfer method for handling a payment transaction in a data network
AU784041B2 (en) * 1999-11-30 2006-01-19 Citibank, N.A. System and method for performing an electronic transaction using a transaction proxy with an electronic wallet
US8903737B2 (en) * 2000-04-25 2014-12-02 Accenture Global Service Limited Method and system for a wireless universal mobile product interface

Also Published As

Publication number Publication date
AU2002353248A1 (en) 2003-07-09
EP1537545A2 (en) 2005-06-08
WO2003054820A3 (en) 2003-12-11
HU0105390D0 (en) 2002-02-28
WO2003054820A2 (en) 2003-07-03

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Legal Events

Date Code Title Description
FA9A Lapse of provisional patent protection due to relinquishment or protection considered relinquished