NL1036700C2 - Payment system for performing business transactions between trading partners, recognizes payment in conjunction with code, and provides electronic mail and short messaging service through computer to trading partner for making delivery - Google Patents

Payment system for performing business transactions between trading partners, recognizes payment in conjunction with code, and provides electronic mail and short messaging service through computer to trading partner for making delivery Download PDF

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Publication number
NL1036700C2
NL1036700C2 NL1036700A NL1036700A NL1036700C2 NL 1036700 C2 NL1036700 C2 NL 1036700C2 NL 1036700 A NL1036700 A NL 1036700A NL 1036700 A NL1036700 A NL 1036700A NL 1036700 C2 NL1036700 C2 NL 1036700C2
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Netherlands
Prior art keywords
payment
trading
code
conjunction
computer
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NL1036700A
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Dutch (nl)
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NL1036700A1 (en
Inventor
Pieter Van Duijn
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Pieter Van Duijn
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Priority to NL1036700A priority Critical patent/NL1036700C2/en
Publication of NL1036700A1 publication Critical patent/NL1036700A1/en
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Publication of NL1036700C2 publication Critical patent/NL1036700C2/en

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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
    • G06Q20/02—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
    • G06Q20/22—Payment schemes or models
    • G06Q20/227—Payment schemes or models characterised in that multiple accounts are available, e.g. to the payer
    • 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
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/386—Payment protocols; Details thereof using messaging services or messaging apps
    • 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
    • G06Q20/403—Solvency checks
    • G06Q20/4037—Remote solvency checks
    • 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
    • G06Q30/04—Billing or invoicing
    • 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

Abstract

The system recognizes a payment in conjunction with a code, and provides an electronic mail (e-mail) and a short messaging service (SMS) through a computer to a trading partner for making delivery such that the trading partner identifies state of money in a trust account. The delivery goods or services are enabled by an inspection of a customer through a unique code in a mobile phone with unique international mobile equipment identity (IMEI) number of mobile phone payments. A supplier of transaction is transferred to bank account via SMS and e-mail confirmation.

Description

Betalingsysteem tussen handelspartners ter zekerheid van het nakomen van betalingen of levering -verplichtingen.Payment system between trading partners to guarantee payment and delivery obligations.

De uitvinding heeft betrekking op een betalingsysteem dat voor iedereen toegankelijk 5 is via registratie op de bijbehorende website en heeft tot doel betaling- en leveringzekerheid te verschaffen tussen handelspartners onderling.The invention relates to a payment system that is accessible to everyone via registration on the associated website and is intended to provide payment and delivery security between trading partners themselves.

Werking; via website worden gegevens ingevuld van de handelspartner die het initiatief neemt de transactie te laten lopen via “veiligebetalingen.com”Operation; information is entered via the website of the trading partner who takes the initiative to have the transaction run via "Veiligebetalingen.com"

De gegevens betreffen; naam, adres, email, mobiel telefoonnummer, bedrag en als het 10 een levering betreft het bankrekeningnummer waarop het geld gestort wordt. Als het geen levering betreft maar een betaling, blijft het bankrekening nummer achterwege. Na registratie wordt voor de transactie via email en sms een uniek codenummer en te betalen bedrag afgegeven aan de opgegeven handelspartners, dat via de website gekoppeld wordt aan een voor deze uitvinding beschikbaar gestelde 15 bankrekening die als derderekening beheerd wordt door een notaris.The data concern; name, address, email, mobile telephone number, amount and if it concerns a delivery the bank account number where the money is deposited. If it is not a delivery but a payment, the bank account number is not provided. After registration, a unique code number and amount to be paid will be issued for the transaction via email and sms to the specified trading partners, which will be linked via the website to a bank account made available for this invention that is managed as a third-party account by a notary.

De handelspartner die de levering doet en initieert via “Veiligebetalingen.com”, bepaalt via de website het overeengekomen bedrag van betaling en geeft de unieke code met het bedrag door aan de afnemer.The trading partner who makes the delivery and initiates via “Veiligebetalingen.com”, determines the agreed amount of payment via the website and passes on the unique code with the amount to the buyer.

Deze afnemer zorgt via de huidige betalingsmogelijkheden voor de betaling in 20 combinatie met het codenummer op de derderekening. Ter bevestiging ontvangt hij per e-mail en sms een code die via zijn mobiele telefoon gebruikt kan worden om de betaling bij levering vrij te geven. De handelspartner die de levering ontvangt en de betaling via “veiligebetalingen.com” wil laten lopen verzoekt de leverancier zijn email en mobiele telefoonnummer te geven waarop de betalingstransacties voor hem of haar 25 te volgen zijn.Via the current payment options, this buyer takes care of the payment in combination with the code number on the third-party account. As confirmation, he receives a code by e-mail and text message that can be used via his mobile phone to release the payment upon delivery. The trading partner who receives the delivery and wants to make the payment via “secure payments.com” asks the supplier to provide his email and mobile telephone number on which he or she can follow the payment transactions.

Een computerprogramma herkent de betaling in combinatie met het codenummer en zorgt voor een e-maii en een sms naar de handelspartner die de levering doet.A computer program recognizes the payment in combination with the code number and provides an e-mail and an SMS to the trading partner who makes the delivery.

Deze handelspartner weet daardoor dat het geld op de derderekening staat en kan de voorbereidingen voor de levering gaan treffen.As a result, this trading partner knows that the money is in the third-party account and can start preparing for the delivery.

30 Bij aflevering van de goederen en of diensten kan na inspectie van de afnemer door middel van een mobiele telefoon met het unieke codenummer in combinatie met het unieke imei nummer van de mobiele telefoon de betaling vrijgegeven worden.30 Upon delivery of the goods and / or services, the payment can be released after inspection of the customer by means of a mobile telephone with the unique code number in combination with the unique imei number of the mobile telephone.

De leverancier van de transactie krijgt via sms en e-mail de bevestiging dat de gelden zijn overgeboekt naar zijn of haar bankrekening.The supplier of the transaction receives confirmation by SMS and e-mail that the funds have been transferred to his or her bank account.

1036700 21036700 2

Indien de transactie geannuleerd wordt in overeenstemming met beide handelspartners kunnen de gelden door de partner die de gelden zou ontvangen via zijn mobiele telefoon vrijgegeven worden voor terugboeking. Indien over een transactie onenigheid blijft bestaan, blijven de gelden beschikbaar tot er een overeenstemming is bereikt evt middels gerechtelijke tussenkomst.If the transaction is canceled in accordance with both trading partners, the funds may be released for the chargeback by the partner who would receive the money via his mobile phone. If disagreements persist over a transaction, the funds will remain available until an agreement has been reached, possibly through judicial intervention.

10367001036700

Claims (1)

Door een betalingssysteem te creëren middels een derderekening die op afstand bedienbaar is via mobiele telefoon, wordt aan handelspartners de mogelijkheid 5 geboden om zich tegen wanbetaling, faillissement, inadequate leveringen en of oplichting te beschermen. Door de landelijke dekkingsgraad van het mobiele netwerk is het mogelijk overal de opdracht tot betaling vrij te geven of geblokkeerd te houden. De snelle reactie van het systeem maakt het mogelijk per direct te zien dat de betreffende gelden ook 10 daadwerkelijk van de derderekening zijn overgemaakt of dat een betaling niet verricht dient te worden en de transactie moet worden verdaagd of afgelast. In een tijd van grote economische onzekerheid is dit een geweldige impuls tot het makkelijker doen van zaken tussen partijen die niet met elkaar bekend zijn. Deze uitvinding zal het volume van willekeurige zakentransacties ook tussen particulieren onderling zeer 15 positief beïnvloeden. 1036700By creating a payment system through a third-party account that can be operated remotely via a mobile telephone, trading partners are offered the opportunity to protect themselves against non-payment, bankruptcy, inadequate deliveries and / or fraud. Due to the national coverage level of the mobile network, it is possible to release or block the payment order everywhere. The rapid response of the system makes it possible to see immediately that the funds in question have actually been transferred from the third-party account or that a payment should not be made and the transaction must be postponed or canceled. In a time of great economic uncertainty, this is a great incentive to make things easier between parties who are not familiar with each other. This invention will also have a very positive effect on the volume of random business transactions between private individuals. 1036700
NL1036700A 2009-03-12 2009-03-12 Payment system for performing business transactions between trading partners, recognizes payment in conjunction with code, and provides electronic mail and short messaging service through computer to trading partner for making delivery NL1036700C2 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
NL1036700A NL1036700C2 (en) 2009-03-12 2009-03-12 Payment system for performing business transactions between trading partners, recognizes payment in conjunction with code, and provides electronic mail and short messaging service through computer to trading partner for making delivery

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
NL1036700A NL1036700C2 (en) 2009-03-12 2009-03-12 Payment system for performing business transactions between trading partners, recognizes payment in conjunction with code, and provides electronic mail and short messaging service through computer to trading partner for making delivery
NL1036700 2009-03-12

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NL1036700A1 NL1036700A1 (en) 2009-04-29
NL1036700C2 true NL1036700C2 (en) 2009-12-29

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Citations (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
FR2790162A1 (en) * 1999-02-19 2000-08-25 France Telecom Remote payment in mobile telephone financial transaction by verifying possibility of payment and sending to tradesman message confirming that amount due is ready for transfer
US20020086660A1 (en) * 2000-12-29 2002-07-04 Rob Sullivan Anonymous electronic transactions
US20040030601A1 (en) * 2000-09-29 2004-02-12 Pond Russell L. Electronic payment methods for a mobile device
WO2005015452A1 (en) * 2003-08-08 2005-02-17 Paycool, International, Ltd. Methods for facilitating validation of financial transactions made through a wireless communication network
US20080313082A1 (en) * 2007-06-14 2008-12-18 Motorola, Inc. Method and apparatus for proximity payment provisioning between a wireless communication device and a trusted party
US20090018964A1 (en) * 2007-07-13 2009-01-15 Sony Ericsson Mobile Communications Ab Methods, systems, and computer program products for performing a transaction in which a certifier provides identification information for authenticating a customer at the point of sale
WO2009012731A1 (en) * 2007-07-26 2009-01-29 Direct Pay, S.R.O. Method of effecting payment transaction using a mobile terminal

Patent Citations (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
FR2790162A1 (en) * 1999-02-19 2000-08-25 France Telecom Remote payment in mobile telephone financial transaction by verifying possibility of payment and sending to tradesman message confirming that amount due is ready for transfer
US20040030601A1 (en) * 2000-09-29 2004-02-12 Pond Russell L. Electronic payment methods for a mobile device
US20020086660A1 (en) * 2000-12-29 2002-07-04 Rob Sullivan Anonymous electronic transactions
WO2005015452A1 (en) * 2003-08-08 2005-02-17 Paycool, International, Ltd. Methods for facilitating validation of financial transactions made through a wireless communication network
US20080313082A1 (en) * 2007-06-14 2008-12-18 Motorola, Inc. Method and apparatus for proximity payment provisioning between a wireless communication device and a trusted party
US20090018964A1 (en) * 2007-07-13 2009-01-15 Sony Ericsson Mobile Communications Ab Methods, systems, and computer program products for performing a transaction in which a certifier provides identification information for authenticating a customer at the point of sale
WO2009012731A1 (en) * 2007-07-26 2009-01-29 Direct Pay, S.R.O. Method of effecting payment transaction using a mobile terminal

Non-Patent Citations (2)

* Cited by examiner, † Cited by third party
Title
MANHART K: "BEZAHLEN PER HANDY", FUNKSCHAU, WEKA FACHZEITSCHRIFTEN VERLAG, POING, DE, vol. 73, no. 15, 7 July 2000 (2000-07-07), pages 40 - 42, XP001101071, ISSN: 0016-2841 *
TAM M F ET AL: "TWO-CHANNEL SECURE TRANSACTION", MOTOROLA TECHNICAL DEVELOPMENTS, MOTOROLA INC. SCHAUMBURG, ILLINOIS, US, vol. 41, 1 May 2000 (2000-05-01), pages 190/191, XP001096801, ISSN: 0887-5286 *

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