MA27572A1 - La facon d'effectuer le reglement des comptes des transactions electroniques ainsi que la facon de la realisations des transactions electroniques par telephone. - Google Patents

La facon d'effectuer le reglement des comptes des transactions electroniques ainsi que la facon de la realisations des transactions electroniques par telephone.

Info

Publication number
MA27572A1
MA27572A1 MA28361A MA28361A MA27572A1 MA 27572 A1 MA27572 A1 MA 27572A1 MA 28361 A MA28361 A MA 28361A MA 28361 A MA28361 A MA 28361A MA 27572 A1 MA27572 A1 MA 27572A1
Authority
MA
Morocco
Prior art keywords
transaction
payer
accounts
telephone
beneficiary
Prior art date
Application number
MA28361A
Other languages
English (en)
Inventor
Henryk Kulakowski
Original Assignee
Henryk Kulakowski
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
Priority claimed from PL02357403A external-priority patent/PL357403A1/xx
Priority claimed from PL02357402A external-priority patent/PL357402A1/xx
Priority claimed from PL03363338A external-priority patent/PL363338A1/xx
Application filed by Henryk Kulakowski filed Critical Henryk Kulakowski
Publication of MA27572A1 publication Critical patent/MA27572A1/fr

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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/305—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wired telephone networks
    • 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
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/12—Payment architectures specially adapted for electronic shopping 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
    • G06Q20/18—Payment architectures involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
    • 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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Finance (AREA)
  • Theoretical Computer Science (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Computer Security & Cryptography (AREA)
  • Marketing (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Telephonic Communication Services (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)

Abstract

La façon d'effectuer le règlement des comptes des transactions électroniques se caractérise par le fait que la transaction est initiée par le payeur (1) du terminal électronique; cette activité procure au système des comptes (3) : le code de la transaction (A) qui décrit le genre de la transaction choisie, la somme (B) qui décrit la valeur de la transaction, l'identificateur du payeur (D) attribué d'une manière univoque au payeur (1) ainsi qu'à l„identificateur du bénéficiaire (C) attribué au bénéficiaire du payement (2), ensuite le système des comptes (3) vérifie si le payeur (1) est un utilisateur autorisé, si le bénéficiaire de cet identificateur du bénéficiaire existe (C) et auquels types des transactions il renvoit et si la somme mentionnée (B) est disponible sur le compte de payement (4) du payeur (1); ensuite le système des comptes (3) envoit au payeur (1) une information supplémentaire concernant la transaction (E) , qui contient profitablement les informations amplifiées concernant la transaction, en le demandant de l'acceptation de la transaction, la correction ou le complètement des données, après avoir reçu l'acceptation de la transaction (F), le système des comptes (3) effectue le règlement des comptes (G) sur le compte de payement (4) et envoit au bénéficiaire du payement (2), la confirmation du payement (H), qui contient profitablement les informations supplémentaires concernant le payeur (1), qui ne sont pas directement liées avec le règlement de la transaction, et au payeur (1) la confirmation de la transaction (J), contenant profitablement les informations supplémentaires (I) fournies au système des comptes (3) par le bénéficiaire du payement (2). La façon de réaliser des transactions électroniques par téléphone se caractérise par le fait que, la transaction est initiée par l'opposition d'un appel téléphonique (5) du payeur (1) aux serveurs (6) du système des comptes (3) oé les paramètres de la transaction sont mentionnés directement lors de la séquence (S), choisie par téléphone (5) lors de l'initiation d'appel et envoyés, à l'aide du réseau téléphonique (7) aux serveurs (6) avec l'identificateur du payeur (D) du téléphone (5), et que les paramètres profitablement manquants de la transaction sont complétés par le payeur (1) lors de la durée de l'appel téléphonique, et que la confirmation de la transaction par téléphone (5) est envoyée par le système des comptes (3) alternativement après la déconnexion.
MA28361A 2002-11-27 2005-06-27 La facon d'effectuer le reglement des comptes des transactions electroniques ainsi que la facon de la realisations des transactions electroniques par telephone. MA27572A1 (fr)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
PL02357403A PL357403A1 (en) 2002-11-27 2002-11-27 Method of effecting payment using telephone set and ussd codes
PL02357402A PL357402A1 (en) 2002-11-27 2002-11-27 Method of effecting payment using telephone set with dtmf tone dialling
PL03363338A PL363338A1 (en) 2003-11-06 2003-11-06 Method for settling electronic transactions

Publications (1)

Publication Number Publication Date
MA27572A1 true MA27572A1 (fr) 2005-10-03

Family

ID=32397779

Family Applications (1)

Application Number Title Priority Date Filing Date
MA28361A MA27572A1 (fr) 2002-11-27 2005-06-27 La facon d'effectuer le reglement des comptes des transactions electroniques ainsi que la facon de la realisations des transactions electroniques par telephone.

Country Status (11)

Country Link
US (1) US7533058B2 (fr)
EP (1) EP1602086A2 (fr)
KR (1) KR20050086789A (fr)
AU (1) AU2003285840A1 (fr)
BR (1) BR0316141A (fr)
CA (1) CA2507800A1 (fr)
CR (1) CR7887A (fr)
EA (1) EA007365B1 (fr)
MA (1) MA27572A1 (fr)
NZ (1) NZ540886A (fr)
WO (1) WO2004049271A2 (fr)

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US8725607B2 (en) 2004-01-30 2014-05-13 The Clearing House Payments Company LLC Electronic payment clearing and check image exchange systems and methods
DE102005035287A1 (de) * 2005-07-28 2007-02-01 Deutsche Telekom Ag Verfahren und System zur Nutzung von ortsbasierten Diensten für mobile Endgeräte
US8874477B2 (en) 2005-10-04 2014-10-28 Steven Mark Hoffberg Multifactorial optimization system and method
US8352323B2 (en) * 2007-11-30 2013-01-08 Blaze Mobile, Inc. Conducting an online payment transaction using an NFC enabled mobile communication device
US8662384B2 (en) * 2006-02-28 2014-03-04 Google Inc. Text message payment
US7831246B1 (en) * 2006-12-08 2010-11-09 At&T Mobility Ii, Llc Mobile merchant
US20080270301A1 (en) * 2007-04-27 2008-10-30 American Express Travel Related Services Co., Inc. Mobile payment system and method
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
GB2455965C (en) * 2007-10-11 2010-09-08 Landis & Gyr Ag Remote control of commodify access and metering.
US8693737B1 (en) 2008-02-05 2014-04-08 Bank Of America Corporation Authentication systems, operations, processing, and interactions
US8606640B2 (en) 2008-08-14 2013-12-10 Payfone, Inc. System and method for paying a merchant by a registered user using a cellular telephone account
US20100094756A1 (en) * 2008-10-10 2010-04-15 Gelpay, Llc System and method for rapid financial transactions through an open financial exchange or wire transfer
PL388012A1 (pl) * 2009-05-12 2010-11-22 Henryk Kułakowski Sposób świadczenia usług w sieci telekomunikacyjnej
EA201190290A1 (ru) * 2009-05-12 2012-09-28 Масспэй Сп. З О. О. Способ авторизации операции с использованием мобильного телефона
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EP2467817A4 (fr) * 2009-07-07 2014-04-09 Richard H Chenot Systèmes et procédés pour une gestion financière personnelle activée par carte financière, par transaction
US8265998B2 (en) 2009-07-07 2012-09-11 Chenot Richard H Systems and methods for per-transaction financial card enabled personal financial management
US8439274B2 (en) 2009-07-07 2013-05-14 Richard H Chenot Financial card with a per-transaction user definable magnetic strip portion
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TW201218102A (en) * 2010-10-22 2012-05-01 Innovation Wireless Inc Business mobile communication system
CA2844611A1 (fr) * 2010-11-03 2012-05-10 Payfone, Inc. Systeme et procede de facturation d'un compte de dispositif cellulaire ou d'un autre compte d'un client
WO2014031888A1 (fr) * 2012-08-23 2014-02-27 Gcs Investments, Ltd. Système de génération et de paiement entre des entreprises et procédé utilisant des téléphones mobiles
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US10304042B2 (en) 2014-11-06 2019-05-28 Early Warning Services, Llc Location-based authentication of transactions conducted using mobile devices
US11042882B2 (en) 2015-07-01 2021-06-22 The Clearing House Payments Company, L.L.C. Real-time payment system, method, apparatus, and computer program
US11694168B2 (en) 2015-07-01 2023-07-04 The Clearing House Payments Company L.L.C. Real-time payment system, method, apparatus, and computer program
US11176231B2 (en) 2016-05-19 2021-11-16 Payfone, Inc. Identifying and authenticating users based on passive factors determined from sensor data
CN106530419B (zh) * 2016-10-09 2019-01-29 北京悦畅科技有限公司 一种停车费缴付方法、服务器和系统
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Also Published As

Publication number Publication date
WO2004049271A3 (fr) 2004-07-29
KR20050086789A (ko) 2005-08-30
US20040143545A1 (en) 2004-07-22
CR7887A (es) 2006-08-18
AU2003285840A1 (en) 2004-06-18
NZ540886A (en) 2008-02-29
EP1602086A2 (fr) 2005-12-07
US7533058B2 (en) 2009-05-12
CA2507800A1 (fr) 2004-06-10
WO2004049271A2 (fr) 2004-06-10
EA200500884A1 (ru) 2005-12-29
BR0316141A (pt) 2005-10-11
EA007365B1 (ru) 2006-10-27

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