MA33353B1 - Procédé d'autorisation d'une transaction au moyen d'un téléphone mobile - Google Patents
Procédé d'autorisation d'une transaction au moyen d'un téléphone mobileInfo
- Publication number
- MA33353B1 MA33353B1 MA34438A MA34438A MA33353B1 MA 33353 B1 MA33353 B1 MA 33353B1 MA 34438 A MA34438 A MA 34438A MA 34438 A MA34438 A MA 34438A MA 33353 B1 MA33353 B1 MA 33353B1
- Authority
- MA
- Morocco
- Prior art keywords
- transaction
- user
- parameters
- authorization
- necessary
- Prior art date
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
- G06Q20/08—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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
-
- 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
- G06Q20/16—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
- G06Q20/22—Payment schemes or models
- G06Q20/24—Credit schemes, i.e. "pay after"
-
- 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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
-
- 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
- G06Q30/0601—Electronic shopping [e-shopping]
- G06Q30/0613—Third-party assisted
-
- 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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L63/00—Network architectures or network communication protocols for network security
- H04L63/10—Network architectures or network communication protocols for network security for controlling access to devices or network resources
- H04L63/102—Entity profiles
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L63/00—Network architectures or network communication protocols for network security
- H04L63/18—Network architectures or network communication protocols for network security using different networks or channels, e.g. using out of band channels
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04W—WIRELESS COMMUNICATION NETWORKS
- H04W12/00—Security arrangements; Authentication; Protecting privacy or anonymity
- H04W12/06—Authentication
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04W—WIRELESS COMMUNICATION NETWORKS
- H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
- H04W4/12—Messaging; Mailboxes; Announcements
- H04W4/14—Short messaging services, e.g. short message services [SMS] or unstructured supplementary service data [USSD]
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04W—WIRELESS COMMUNICATION NETWORKS
- H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
- H04W4/20—Services signaling; Auxiliary data signalling, i.e. transmitting data via a non-traffic channel
Landscapes
- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- Accounting & Taxation (AREA)
- Finance (AREA)
- Strategic Management (AREA)
- Theoretical Computer Science (AREA)
- General Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- Physics & Mathematics (AREA)
- Computer Networks & Wireless Communication (AREA)
- Signal Processing (AREA)
- Computer Security & Cryptography (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Marketing (AREA)
- General Engineering & Computer Science (AREA)
- Computing Systems (AREA)
- Computer Hardware Design (AREA)
- Technology Law (AREA)
- Telephonic Communication Services (AREA)
- Mobile Radio Communication Systems (AREA)
Abstract
L'INVENTION CONCERNE UN PROCÉDÉ D'AUTORISATION D'UNE TRANSACTION AU MOYEN D'UN TÉLÉPHONE MOBILE. LE PROCÉDÉ CONSISTE À: RECEVOIR (102, 202) D'UN UTILISATEUR (UR), PAR UN SERVEUR DE COMMUNICATION (CS), UNE DEMANDE D'ÉTABLISSEMENT DE COMMUNICATION VOCALE AVEC UN NUMÉRO DE TÉLÉPHONE QUI IDENTIFIE UNE TRANSACTION; AUTORISER LA TRANSACTION EN VÉRIFIANT (112, 206) LA PREUVE D'IDENTITÉ DE L'UTILISATEUR (UR); ACCEPTER (106, 214) OU REJETER (108, 216) LA COMMUNICATION VOCALE SELON QUE L'AUTORISATION DE TRANSACTION DOIT ÊTRE ACHEMINÉE VOCALEMENT OU PAR USSD; ENVOYER À L'UTILISATEUR (UR) UNE REQUÊTE LUI DEMANDANT D'ENTRER DES PARAMÈTRES DE TRANSACTION NÉCESSAIRES; ENTRER (118, 222) LES PARAMÈTRES DE TRANSACTION DEMANDÉS; VÉRIFIER (120, 224), AU MOYEN DU SYSTÈME D'AUTORISATION (AS), LA VALIDITÉ DES PARAMÈTRES ENTRÉS; DÉTERMINER (122, 226) SI L'UTILISATEUR (UR) A ENTRÉ TOUS LES PARAMÈTRES DE TRANSACTION NÉCESSAIRES, Y COMPRIS SON AUTORISATION DE FINANCER LA TRANSACTION ET, DE PRÉFÉRENCE, UN MOT DE PASSE AUTORISANT LA TRANSACTION; ACCEPTER LE FINANCEMENT DE LA TRANSACTION PAR LA PARTIE QUI EN A LA CHARGE (124, 228), ET, SI LE MONTANT EST ACCEPTÉ, ENVOYER UN MESSAGE AVEC INSTRUCTION DE MOBILISER DES FONDS SUFFISANTS (126, 230) DANS LE COMPTE DE LA PARTIE CHARGÉE DE FINANCER LA TRANSACTION EN VUE DE CONCLURE CETTE DERNIÈRE; DÉTERMINER (128, 232) SI LE SYSTÈME D'AUTORISATION (AS) A REÇU TOUS LES PARAMÈTRES DE TRANSACTION NÉCESSAIRES; ENREGISTRER (130, 234) LA TRANSACTION POUR TRAITEMENT ULTÉRIEUR OU LA TRANSMETTRE (132, 236) POUR RÈGLEMENT.
Applications Claiming Priority (3)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
PL388012A PL388012A1 (pl) | 2009-05-12 | 2009-05-12 | Sposób świadczenia usług w sieci telekomunikacyjnej |
PL39120310 | 2010-05-12 | ||
PCT/PL2010/000034 WO2010131988A1 (fr) | 2009-05-12 | 2010-05-12 | Procédé d'autorisation d'une transaction au moyen d'un téléphone mobile |
Publications (1)
Publication Number | Publication Date |
---|---|
MA33353B1 true MA33353B1 (fr) | 2012-06-01 |
Family
ID=43085205
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
MA34438A MA33353B1 (fr) | 2009-05-12 | 2010-05-12 | Procédé d'autorisation d'une transaction au moyen d'un téléphone mobile |
Country Status (18)
Country | Link |
---|---|
US (1) | US8965789B2 (fr) |
EP (1) | EP2430599A1 (fr) |
KR (1) | KR20120029422A (fr) |
CN (1) | CN102422318A (fr) |
AP (1) | AP3394A (fr) |
AU (1) | AU2010248168A1 (fr) |
CA (1) | CA2761743A1 (fr) |
CL (1) | CL2011002800A1 (fr) |
CO (1) | CO6470885A2 (fr) |
CU (1) | CU20110211A7 (fr) |
EA (1) | EA201190290A1 (fr) |
MA (1) | MA33353B1 (fr) |
MX (1) | MX2011011966A (fr) |
MY (1) | MY155596A (fr) |
NZ (1) | NZ597011A (fr) |
TR (1) | TR201111170T1 (fr) |
WO (1) | WO2010131988A1 (fr) |
ZA (1) | ZA201109145B (fr) |
Families Citing this family (23)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US9830582B1 (en) | 2007-08-18 | 2017-11-28 | Expensify, Inc. | System, computer readable medium, and method for authorizing purchase using on-demand prepaid card |
US10423896B2 (en) | 2007-08-18 | 2019-09-24 | Expensify, Inc. | Computer system implementing a network transaction service |
US10068225B2 (en) | 2007-08-18 | 2018-09-04 | Espensify, Inc. | System and method for utilizing a universal prepaid card |
US10163092B2 (en) | 2007-08-18 | 2018-12-25 | Expensify, Inc. | System and method for establishing a payment mechanism with a plurality of merchants |
PL388012A1 (pl) | 2009-05-12 | 2010-11-22 | Henryk Kułakowski | Sposób świadczenia usług w sieci telekomunikacyjnej |
US9111272B2 (en) * | 2010-03-25 | 2015-08-18 | Bizmodeline Co., Ltd. | Mobile payments |
US8630952B2 (en) * | 2011-03-04 | 2014-01-14 | Citibank, N.A. | Methods and systems using contactless card |
DE102011052751A1 (de) * | 2011-08-16 | 2013-02-21 | Wincor Nixdorf International Gmbh | Autorisierung von Check-Einreichungen |
US20130144738A1 (en) * | 2011-12-01 | 2013-06-06 | Spenzi, Inc. | Gifting and Sharing Using SMS Messages for Shared Coupon/Gift-Card Auto-Redemption and Multi-Source Payment from Buyer's Mobile Phone |
CN103177388B (zh) * | 2011-12-22 | 2016-12-07 | 中国银联股份有限公司 | 代授权系统以及代授权方法 |
US20140302814A1 (en) * | 2012-11-02 | 2014-10-09 | Ian James Roncoroni | Centralized caller profile and payment system and methods for processing telephone payments |
US9911122B2 (en) * | 2013-01-10 | 2018-03-06 | Mg Systems Consulting Services Llc | Audio-based electronic transaction authorization system and method |
US10748170B2 (en) * | 2013-01-10 | 2020-08-18 | Rakuten Usa, Inc. | System and method for enhanced commerce |
JP2016514871A (ja) | 2013-04-01 | 2016-05-23 | ピーティー. サイバーポート | 携帯機器を利用するussdネットワーク経由の金融取引システム |
US9818092B2 (en) * | 2014-06-04 | 2017-11-14 | Antti Pennanen | System and method for executing financial transactions |
US10346814B2 (en) * | 2014-06-04 | 2019-07-09 | MONI Limited | System and method for executing financial transactions |
KR102268540B1 (ko) * | 2014-06-26 | 2021-06-23 | 삼성전자주식회사 | 데이터 관리 방법 및 그 방법을 처리하는 전자 장치 |
US10685357B2 (en) * | 2016-03-14 | 2020-06-16 | American Express Travel Related Services Company, Inc. | Systems and methods for regulating transactions |
US10504086B2 (en) * | 2016-05-06 | 2019-12-10 | Mastercard International Incorporated | Systems and methods for providing a tailored user experience at a self-service kiosk |
US10375077B1 (en) * | 2016-08-12 | 2019-08-06 | Symantec Corporation | Systems and methods for mediating information requests |
HK1255791A2 (zh) * | 2018-07-13 | 2019-08-23 | Leapxpert Ltd | 用於確認通信通道上的指令的系統和方法 |
CN110503551B (zh) * | 2019-08-02 | 2024-03-19 | 创新先进技术有限公司 | 一种网络资金交易渠道维护方法、装置和设备 |
CN113573316B (zh) * | 2021-07-15 | 2024-02-20 | 中国人民解放军陆军工程大学 | 一种专用移动通信网络用户私有权限临时变更的方法 |
Family Cites Families (19)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
DE59915075D1 (de) * | 1998-09-10 | 2009-10-22 | Swisscom Ag | Verfahren zum Kaufen von Waren oder Dienstleistungen mit einem Mobiltelefon |
DE19946529B4 (de) * | 1999-09-28 | 2006-12-07 | T-Mobile Deutschland Gmbh | Verfahren zur Ansteuerung eines Warenausgabeautomaten und zur Abrechnung einer ausgegebenen Ware |
JP4490618B2 (ja) * | 1999-12-23 | 2010-06-30 | スイスコム アーゲー | 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 |
DE10020831A1 (de) | 2000-04-28 | 2001-11-08 | Anton Blank | Verfahren zum Austauschen von Sprachinformationen und Daten |
DE50003681D1 (de) * | 2000-05-09 | 2003-10-16 | Swisscom Mobile Ag | Transaktionsverfahren und verkaufssystem |
DE10037118A1 (de) | 2000-07-28 | 2002-02-14 | Univ Clausthal Tech | Verfahren zur Herstellung eines Quellzements und zugehörige Testvorrichtung |
DE10037175A1 (de) * | 2000-07-31 | 2002-02-21 | Orga Kartensysteme Gmbh | Transaktionsbestätigung |
PL363338A1 (en) | 2003-11-06 | 2005-05-16 | Henryk Kułakowski | Method for settling electronic transactions |
NZ540886A (en) * | 2002-11-27 | 2008-02-29 | Henryk Kulakowski | Method of accounting electronic transactions and method of effecting electronic transactions via phone |
PL357402A1 (en) | 2002-11-27 | 2004-05-31 | Henryk Kułakowski | Method of effecting payment using telephone set with dtmf tone dialling |
PL357403A1 (en) | 2002-11-27 | 2004-05-31 | Henryk Kułakowski | Method of effecting payment using telephone set and ussd codes |
EP1471755A1 (fr) | 2003-04-24 | 2004-10-27 | Swisscom Mobile AG | Procédé de sélection d'options par menu sur un terminal mobile en cours d'appel téléphonique |
PL364119A1 (en) | 2003-12-17 | 2005-06-27 | Henryk Kułakowski | Method for providing access to telecommunications network services |
CN101292489B (zh) | 2005-08-22 | 2013-03-27 | 北方电讯网络有限公司 | 用于电路交换子系统呼叫的多媒体子系统业务控制 |
US20080103984A1 (en) * | 2006-10-30 | 2008-05-01 | Mobilekash, Inc. | System, Method, and Computer-Readable Medium for Mobile Payment Authentication and Authorization |
US20080154735A1 (en) * | 2006-12-26 | 2008-06-26 | Mark Carlson | Mobile vending purchasing |
US20080177662A1 (en) * | 2007-01-24 | 2008-07-24 | Cingular Wireless Ii, Llc | Mobile merchant user interface |
US8107953B2 (en) | 2007-08-31 | 2012-01-31 | Tracfone Wireless, Inc. | System and method for activating services on a wireless device |
PL388012A1 (pl) | 2009-05-12 | 2010-11-22 | Henryk Kułakowski | Sposób świadczenia usług w sieci telekomunikacyjnej |
-
2010
- 2010-05-12 TR TR2011/11170T patent/TR201111170T1/xx unknown
- 2010-05-12 AP AP2011005985A patent/AP3394A/xx active
- 2010-05-12 CN CN2010800206381A patent/CN102422318A/zh active Pending
- 2010-05-12 NZ NZ597011A patent/NZ597011A/en not_active IP Right Cessation
- 2010-05-12 MA MA34438A patent/MA33353B1/fr unknown
- 2010-05-12 US US13/320,433 patent/US8965789B2/en not_active Expired - Fee Related
- 2010-05-12 WO PCT/PL2010/000034 patent/WO2010131988A1/fr active Application Filing
- 2010-05-12 MX MX2011011966A patent/MX2011011966A/es active IP Right Grant
- 2010-05-12 EA EA201190290A patent/EA201190290A1/ru unknown
- 2010-05-12 CA CA2761743A patent/CA2761743A1/fr not_active Abandoned
- 2010-05-12 EP EP10730259A patent/EP2430599A1/fr not_active Withdrawn
- 2010-05-12 AU AU2010248168A patent/AU2010248168A1/en not_active Abandoned
- 2010-05-12 MY MYPI2011005480A patent/MY155596A/en unknown
- 2010-05-12 KR KR1020117029652A patent/KR20120029422A/ko not_active Application Discontinuation
-
2011
- 2011-11-09 CL CL2011002800A patent/CL2011002800A1/es unknown
- 2011-11-14 CU CU20110211A patent/CU20110211A7/es unknown
- 2011-12-12 ZA ZA2011/09145A patent/ZA201109145B/en unknown
- 2011-12-12 CO CO11170819A patent/CO6470885A2/es active IP Right Grant
Also Published As
Publication number | Publication date |
---|---|
EP2430599A1 (fr) | 2012-03-21 |
NZ597011A (en) | 2014-01-31 |
CN102422318A (zh) | 2012-04-18 |
WO2010131988A1 (fr) | 2010-11-18 |
MX2011011966A (es) | 2012-07-04 |
TR201111170T1 (tr) | 2012-03-21 |
ZA201109145B (en) | 2012-10-31 |
CU20110211A7 (es) | 2012-06-29 |
AU2010248168A1 (en) | 2011-12-15 |
CA2761743A1 (fr) | 2010-11-18 |
CO6470885A2 (es) | 2012-06-29 |
AP2011005985A0 (en) | 2011-12-31 |
CL2011002800A1 (es) | 2012-06-29 |
US8965789B2 (en) | 2015-02-24 |
US20120078737A1 (en) | 2012-03-29 |
MY155596A (en) | 2015-11-13 |
EA201190290A1 (ru) | 2012-09-28 |
KR20120029422A (ko) | 2012-03-26 |
AP3394A (en) | 2015-08-31 |
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