ME01248B - Postupak bezgotovinskog plaćanja i sistem za uvođenje postupka - Google Patents

Postupak bezgotovinskog plaćanja i sistem za uvođenje postupka

Info

Publication number
ME01248B
ME01248B MEP-2001-548A MEP2001548A ME01248B ME 01248 B ME01248 B ME 01248B ME P2001548 A MEP2001548 A ME P2001548A ME 01248 B ME01248 B ME 01248B
Authority
ME
Montenegro
Prior art keywords
comparison device
transfers
identification code
station
merchant station
Prior art date
Application number
MEP-2001-548A
Other languages
German (de)
English (en)
French (fr)
Inventor
Mathias Entenmann
Original Assignee
Mobilkom Austria Ag & Co Kg
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 Mobilkom Austria Ag & Co Kg filed Critical Mobilkom Austria Ag & Co Kg
Publication of ME01248B publication Critical patent/ME01248B/me

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

Abstract

Cilj je prikazanog pronalaska da se obezbedi postupak za jednostavno ali bezbedno bezgotovinsko plaćanje, posebno na različitim lokacijama, kao i sistem za uvođenje postupka. U postupku prema pronalasku neka svota novca se učita na stanici trgovca i prenosi u uređaj za poređenje zajedno sa identifikacionim kodom stanice trgovca, pri čemu se podaci u međuvremenu pohranjuju u uređaju za poređenje. Kupac šalje identifikacioni kod stanice trgovca preko mobilnog telefona do uređaja za poređenje koji poredi identifikacioni kod sa onim iz pohranjenih podataka i prenosi odgovarajuću svotu novca do mobilnog telefona. Tu se zahteva odobrenje za isplatu i prenosi do uređaja za poređenje koji prenosi odgovarajući podatak o računu u računovodstveni uređaj. Sistem za uvođenje postupka obuhvata mobilni telefon koji radi u mreži mobilne telefonije, stanicu trgovca i uređaj za poređenje koji se može povezati sa mobilnim telefonom i stanicom trgovca preko telekomunikacionih veza i/ili veza za prenošenje podataka. Cilj je prikazanog pronalaska da se obezbedi postupak za jednostavno ali bezbedno bezgotovinsko plaćanje, posebno na različitim lokacijama, kao i sistem za uvođenje postupka. U postupku prema pronalasku neka svota novca se učita na stanici trgovca i prenosi u uređaj za poređenje zajedno sa identifikacionim kodom stanice trgovca, pri čemu se podaci u međuvremenu pohranjuju u uređaju za poređenje. Kupac šalje identifikacioni kod stanice trgovca preko mobilnog telefona do uređaja za poređenje koji poredi identifikacioni kod sa onim iz pohranjenih podataka i prenosi odgovarajuću svotu novca do mobilnog telefona. Tu se zahteva odobrenje za isplatu i prenosi do uređaja za poređenje koji prenosi odgovarajući podatak o računu u računovodstveni uređaj. Sistem za uvođenje postupka obuhvata mobilni telefon koji radi u mreži mobilne telefonije, stanicu trgovca i uređaj za poređenje koji se može povezati sa mobilnim telefonom i stanicom trgovca preko telekomunikacionih veza i/ili veza za prenošenje podataka.
MEP-2001-548A 1999-02-02 2000-02-01 Postupak bezgotovinskog plaćanja i sistem za uvođenje postupka ME01248B (me)

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 (1)

Publication Number Publication Date
ME01248B true ME01248B (me) 2007-08-03

Family

ID=7895963

Family Applications (1)

Application Number Title Priority Date Filing Date
MEP-2001-548A ME01248B (me) 1999-02-02 2000-02-01 Postupak bezgotovinskog plaćanja i sistem za uvođenje postupka

Country Status (20)

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

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Also Published As

Publication number Publication date
DE19903822C2 (de) 2001-09-20
MXPA01007779A (es) 2003-07-14
KR20010108166A (ko) 2001-12-07
CZ20012663A3 (cs) 2002-02-13
TR200102216T2 (tr) 2002-01-21
NO20013777D0 (no) 2001-08-01
CN1339146A (zh) 2002-03-06
HRP20010568B1 (en) 2011-10-31
CN1204535C (zh) 2005-06-01
ZA200105872B (en) 2002-09-10
WO2000046768A1 (de) 2000-08-10
RS49614B (sr) 2007-08-03
DE19903822A1 (de) 2000-08-10
CZ301247B6 (cs) 2009-12-16
HRP20010568A2 (en) 2002-08-31
JP2002541535A (ja) 2002-12-03
NO20013777L (no) 2001-09-27
CA2361489A1 (en) 2000-08-10
HU227291B1 (en) 2011-02-28
IL144571A0 (en) 2002-05-23
AU2800400A (en) 2000-08-25
EP1149367A1 (de) 2001-10-31
YU54801A (sh) 2003-01-31
HUP0105475A2 (en) 2002-04-29
BR0007964A (pt) 2001-11-06
RU2242795C2 (ru) 2004-12-20

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