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 mobile

Info

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
Application number
MA34438A
Other languages
Arabic (ar)
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 PL388012A external-priority patent/PL388012A1/pl
Application filed by Henryk Kulakowski filed Critical Henryk Kulakowski
Publication of MA33353B1 publication Critical patent/MA33353B1/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
    • G06Q20/08—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.
MA34438A 2009-05-12 2010-05-12 Procédé d'autorisation d'une transaction au moyen d'un téléphone mobile MA33353B1 (fr)

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)

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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

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PL388012A1 (pl) 2009-05-12 2010-11-22 Henryk Kułakowski Sposób świadczenia usług w sieci telekomunikacyjnej

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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