PT103296A - METHOD OF MAKING ELECTRONIC PAYMENTS AND A SYSTEM IMPLEMENTING THE REFERENCE METHOD - Google Patents

METHOD OF MAKING ELECTRONIC PAYMENTS AND A SYSTEM IMPLEMENTING THE REFERENCE METHOD Download PDF

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Publication number
PT103296A
PT103296A PT103296A PT10329605A PT103296A PT 103296 A PT103296 A PT 103296A PT 103296 A PT103296 A PT 103296A PT 10329605 A PT10329605 A PT 10329605A PT 103296 A PT103296 A PT 103296A
Authority
PT
Portugal
Prior art keywords
call
server
electronic payments
service
user
Prior art date
Application number
PT103296A
Other languages
Portuguese (pt)
Inventor
Martins Bruno Orlando Nunes Morao
Henriques Luis Filipe De Castro
Mangas Frederico Monteiro
Rodrigues Pedro Miguel Costa Felix Madeira
Original Assignee
Martins Bruno Orlando Nunes Morao
Henriques Luis Filipe De Castro
Mangas Frederico Monteiro
Rodrigues Pedro Miguel Costa Felix Madeira
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 Martins Bruno Orlando Nunes Morao, Henriques Luis Filipe De Castro, Mangas Frederico Monteiro, Rodrigues Pedro Miguel Costa Felix Madeira filed Critical Martins Bruno Orlando Nunes Morao
Priority to PT103296A priority Critical patent/PT103296A/en
Priority to PCT/PT2006/000015 priority patent/WO2007001197A1/en
Publication of PT103296A publication Critical patent/PT103296A/en

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
    • G06Q20/32—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
    • G06Q20/326—Payment applications installed on the mobile devices

Landscapes

  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Telephonic Communication Services (AREA)
  • Mobile Radio Communication Systems (AREA)
  • Meter Arrangements (AREA)

Abstract

A PRESENTE INVENÇÃO DIZ RESPEITO A UM MÉTODO DE EFECTUAR PAGAMENTOS ELECTRÓNICOS UTILIZANDO UM DISPOSITIVO MÓVEL DE COMUNICAÇÃO, TAL COMO UM TELEMÓVEL, BEM COM A UM SISTEMA QUE IMPLEMENTA ESSE MÉTODO. O MÉTODO E SISTEMA FUNCIONA ATRAVÉS DA REALIZAÇÃO DE UMA CHAMADA A PARTIR DE UM TELEMÓVEL PARA UM NÚMERO ASSOCIADO A UM PRODUTO OU SERVIÇO QUE SE PRETENDE PAGAR. A CHAMADA É RECEBIDA POR UM SERVIDOR QUE IDENTIFICA O NÚMERO DO TELEMÓVEL E O NÚMERO MARCADO POR ESTE. O SERVIDOR ENCONTRA-SE LIGADO A UMA BASE DE DADOS QUE CONTÉM INFORMAÇÃO SOBRE O UTILIZADOR/CLIENTE E SOBRE O PRODUTO OU SERVIÇO DESEJADO. UMA APLICAÇÃO DE CONTROLO NO SERVIDOR, LIGADA A UM SISTEMA IVR AUTORIZA OU RECUSA A TRANSACÇÃO, ENVIANDO AO UTILIZADOR/CLIENTE UMA MENSAGEM DE VOZ CORRESPONDENTE ATRAVÉS DE UM CANAL ABERTO DE RETORNO. APÓS A CONCLUSÃO DO PROCESSO, O SERVIDOR REMOTO DESLIGA A CHAMADA QUE NUNCA FOI ATENDIDA. O MÉTODO E SISTEMA DA PRESENTE INVENÇÃO TEM A VANTAGEM DE SER MAIS RÁPIDA DO QUE OS OUTROS MÉTODOS E SISTEMAS DO ESTADO DA TÉCNICA E NÃO TER QUALQUER CUSTO DE TELECOMUNICAÇÕES.The present invention relates to a method of effecting electronic payments using a mobile communication device, such as a mobile telephone, as well as a system that implements this method. THE METHOD AND SYSTEM WORKS THROUGH THE CALLING OF A CALL FROM A MOBILE PHONE TO A NUMBER ASSOCIATED WITH A PRODUCT OR SERVICE YOU ARE INTENDING TO PAY. THE CALL IS RECEIVED BY A SERVER THAT IDENTIFIES THE NUMBER OF THE MOBILE PHONE AND THE NUMBER MARKED THEREOF. THE SERVER IS CONNECTED TO A DATABASE CONTAINING INFORMATION ABOUT THE USER / CUSTOMER AND ABOUT THE DESIRED PRODUCT OR SERVICE. A SERVER CONTROL APPLICATION, LINKED TO AN IVR SYSTEM AUTHORIZES OR REFUSES THE TRANSACTION, SENDING TO THE USER / CLIENT A CORRESPONDING VOICE MESSAGE THROUGH AN OPEN RETURN CHANNEL. AFTER THE CONCLUSION OF THE PROCESS, THE REMOTE SERVER SWITCH OFF THE CALL WHICH HAS NEVER BEEN SERVED. THE METHOD AND SYSTEM OF THE PRESENT INVENTION HAS THE ADVANTAGE OF BEING FASTER THAN THE OTHER METHODS AND SYSTEMS OF THE STATE OF THE TECHNIQUE AND NO COST OF TELECOMMUNICATIONS.

PT103296A 2005-06-27 2005-06-27 METHOD OF MAKING ELECTRONIC PAYMENTS AND A SYSTEM IMPLEMENTING THE REFERENCE METHOD PT103296A (en)

Priority Applications (2)

Application Number Priority Date Filing Date Title
PT103296A PT103296A (en) 2005-06-27 2005-06-27 METHOD OF MAKING ELECTRONIC PAYMENTS AND A SYSTEM IMPLEMENTING THE REFERENCE METHOD
PCT/PT2006/000015 WO2007001197A1 (en) 2005-06-27 2006-06-27 Electronic payment method and system implementing said method

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PT103296A PT103296A (en) 2005-06-27 2005-06-27 METHOD OF MAKING ELECTRONIC PAYMENTS AND A SYSTEM IMPLEMENTING THE REFERENCE METHOD

Publications (1)

Publication Number Publication Date
PT103296A true PT103296A (en) 2006-12-29

Family

ID=37012110

Family Applications (1)

Application Number Title Priority Date Filing Date
PT103296A PT103296A (en) 2005-06-27 2005-06-27 METHOD OF MAKING ELECTRONIC PAYMENTS AND A SYSTEM IMPLEMENTING THE REFERENCE METHOD

Country Status (2)

Country Link
PT (1) PT103296A (en)
WO (1) WO2007001197A1 (en)

Families Citing this family (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US8705712B2 (en) 2007-04-11 2014-04-22 Anexas, Inc. System and method for delivering content to a user of a telephony device
WO2009107102A2 (en) * 2008-02-29 2009-09-03 Transact Global (Private) Limited Near-real-time payment transaction facilitation system

Family Cites Families (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
DK175911B1 (en) * 1997-05-26 2005-06-20 Metax Olie As Automatic fuel release system and method of refueling a vehicle
US6327363B1 (en) * 1998-04-17 2001-12-04 Mci Worldcom, Inc. Method and system for automated customer services
JP3681937B2 (en) * 1999-10-29 2005-08-10 サンデン株式会社 Cashless vending system
US6584309B1 (en) * 1999-12-16 2003-06-24 The Coca-Cola Company Vending machine purchase via cellular telephone
US6850901B1 (en) * 1999-12-17 2005-02-01 World Theatre, Inc. System and method permitting customers to order products from multiple participating merchants
NL1015476C2 (en) * 2000-06-20 2001-12-28 Nedap Nv Pump release and payment system via mobile phone.
US20020073024A1 (en) * 2000-12-07 2002-06-13 Gilchrist Alexander Sandy Donald System and methods of using wireless communication devices to conduct financial transactions
FR2842382B1 (en) * 2002-07-12 2004-11-26 Radiotelephone Sfr METHOD FOR USING A RADIOTELEPHONE TERMINAL AS A REMOTE CONTROL OF AUTOMATIC DEVICES PROVIDING PAYABLE SERVICES

Also Published As

Publication number Publication date
WO2007001197A1 (en) 2007-01-04

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BB1A Laying open of patent application

Effective date: 20050922

FC3A Refusal

Effective date: 20071016