WO1998042173A3 - Use of banking services in a digital cellular radio system - Google Patents

Use of banking services in a digital cellular radio system Download PDF

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Publication number
WO1998042173A3
WO1998042173A3 PCT/FI1998/000250 FI9800250W WO9842173A3 WO 1998042173 A3 WO1998042173 A3 WO 1998042173A3 FI 9800250 W FI9800250 W FI 9800250W WO 9842173 A3 WO9842173 A3 WO 9842173A3
Authority
WO
WIPO (PCT)
Prior art keywords
short message
radio system
cellular radio
banking services
digital cellular
Prior art date
Application number
PCT/FI1998/000250
Other languages
French (fr)
Other versions
WO1998042173A2 (en
Inventor
Seppo Ensio Lahti
Sami Pekka Telama
Petri Juhani Larjava
Sirpa Marja-Terttu Liukkonen
Original Assignee
Fd Finanssidata Oy
Seppo Ensio Lahti
Sami Pekka Telama
Petri Juhani Larjava
Liukkonen Sirpa Marja Terttu
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
Family has litigation
First worldwide family litigation filed litigation Critical https://patents.darts-ip.com/?family=8548457&utm_source=google_patent&utm_medium=platform_link&utm_campaign=public_patent_search&patent=WO1998042173(A3) "Global patent litigation dataset” by Darts-ip is licensed under a Creative Commons Attribution 4.0 International License.
Application filed by Fd Finanssidata Oy, Seppo Ensio Lahti, Sami Pekka Telama, Petri Juhani Larjava, Liukkonen Sirpa Marja Terttu filed Critical Fd Finanssidata Oy
Priority to AU65019/98A priority Critical patent/AU6501998A/en
Priority to EP98910763A priority patent/EP0972275A2/en
Publication of WO1998042173A2 publication Critical patent/WO1998042173A2/en
Publication of WO1998042173A3 publication Critical patent/WO1998042173A3/en

Links

Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/0866—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means by active credit-cards adapted therefor
    • 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
    • G06Q20/04—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
    • G06Q20/10—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
    • G06Q20/30—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
    • G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
    • G06Q20/3255—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks using mobile network messaging services for payment, e.g. SMS
    • 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
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/363—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Finance (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Mobile Radio Communication Systems (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

Banking services are used by means of a bi-directional short message connection. A user sends a request concerning a banking service as a short message which is routed via a cellular radio system (11, 12) and short message service center (13, 14) to a bank's user interface server (16). Data relating to the request are further sent to the bank's self service unit (17) which carries out the services requested and sends the resulting data in the form of short message back to the user.
PCT/FI1998/000250 1997-03-24 1998-03-23 Use of banking services in a digital cellular radio system WO1998042173A2 (en)

Priority Applications (2)

Application Number Priority Date Filing Date Title
AU65019/98A AU6501998A (en) 1997-03-24 1998-03-23 Use of banking services in a digital cellular radio system
EP98910763A EP0972275A2 (en) 1997-03-24 1998-03-23 Use of banking services in a digital cellular radio system

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
FI971224A FI109505B (en) 1997-03-24 1997-03-24 Use of banking services in a digital cellular radio system
FI971224 1997-03-24

Publications (2)

Publication Number Publication Date
WO1998042173A2 WO1998042173A2 (en) 1998-10-01
WO1998042173A3 true WO1998042173A3 (en) 1998-12-23

Family

ID=8548457

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/FI1998/000250 WO1998042173A2 (en) 1997-03-24 1998-03-23 Use of banking services in a digital cellular radio system

Country Status (4)

Country Link
EP (1) EP0972275A2 (en)
AU (1) AU6501998A (en)
FI (1) FI109505B (en)
WO (1) WO1998042173A2 (en)

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FR2771875B1 (en) * 1997-11-04 2000-04-14 Gilles Jean Antoine Kremer METHOD FOR TRANSMITTING INFORMATION AND COMPUTER SERVER IMPLEMENTING IT
US6230002B1 (en) 1997-11-19 2001-05-08 Telefonaktiebolaget L M Ericsson (Publ) Method, and associated apparatus, for selectively permitting access by a mobile terminal to a packet data network
FR2787273B1 (en) 1998-12-14 2001-02-16 Sagem SECURE PAYMENT PROCESS
FR2788909B1 (en) 1999-01-27 2004-02-20 France Telecom AUTHENTICATION OR SIGNATURE PROCESS WITH REDUCED NUMBER OF CALCULATIONS
FR2790162B1 (en) * 1999-02-19 2001-04-13 France Telecom TELEPAYMENT PROCEDURE AND SYSTEM FOR IMPLEMENTING THIS PROCESS
SE513773C2 (en) * 1999-03-19 2000-11-06 Ericsson Telefon Ab L M Method and system for electronic commerce
CN1367913A (en) 1999-03-30 2002-09-04 马克·拉塞尔·阿蒂 Method of conducting financial transactions
EP1047028A1 (en) * 1999-04-19 2000-10-25 TELEFONAKTIEBOLAGET LM ERICSSON (publ) Communication system and method for efficiently processing electronical transactions in mobile communication networks
AU768342B2 (en) * 1999-05-03 2003-12-11 Swisscom Mobile Ag Method of assigning value codes
FI991105A (en) 1999-05-14 2000-11-15 Nokia Networks Oy Method and digital mobile communication system
US6816724B1 (en) 1999-12-28 2004-11-09 Nokia Corporation Apparatus, and associated method, for remotely effectuating a transaction service
WO2001055981A1 (en) * 2000-01-28 2001-08-02 Fundamo (Proprietary) Limited Banking system with enhanced identification of financial accounts
FI20001054A (en) 2000-05-05 2001-11-06 Sonera Oyj Digital payment order
DE10034700B4 (en) * 2000-05-18 2005-10-27 Bally Wulff Holding Gmbh & Co. Kg Automatic processing of short message service (SMS) messages by use of server equipment
EP1180741A3 (en) * 2000-08-15 2004-01-02 Rohm And Haas Company Flexible system and method for standardizing communications and decision-making across multiple business processes
GB2366432A (en) * 2000-09-04 2002-03-06 Sonera Smarttrust Oy Secure electronic payment system
WO2002037355A2 (en) * 2000-11-03 2002-05-10 Tomas Mulet Valles A method to carry out economic transactions through a telecommunications network
WO2002039342A1 (en) * 2000-11-08 2002-05-16 Matsushita Electric Industrial Co., Ltd. Private electronic value bank system
GB0027922D0 (en) * 2000-11-15 2001-01-03 Haidar Mahmoud N Y Electronic payment and associated systems
NL1016853C2 (en) * 2000-12-12 2002-06-13 Koninkl Kpn Nv Method for the purchase of services and the control thereof, using a mobile terminal.
JP4560237B2 (en) * 2001-05-24 2010-10-13 サンデン株式会社 Deposit system using vending machines
SE523979C2 (en) * 2001-07-02 2004-06-08 Telia Ab Mobile electronic commerce system and procedure
GB0118709D0 (en) * 2001-08-01 2001-09-26 Roke Manor Research Data transfer method
EP1293944A1 (en) * 2001-09-17 2003-03-19 Koninklijke KPN N.V. Arrangement and method for tele-commerce with client profiles
EP1293923A3 (en) * 2001-09-17 2005-04-13 Koninklijke KPN N.V. Arrangement and method for tele-commerce with client profiles
HU224788B1 (en) * 2002-02-07 2006-02-28 Enigma Software Rt Architecture for arranging bank card transaction requiring simplified hardware in a large customer base, transaction terminal unit, sim card with extended function, as well as, method for personalizing and performing transactions
BG65608B1 (en) * 2002-04-29 2009-02-27 ПОПОВ Красимир Method of payment through a communications operator
KR20030090435A (en) * 2002-05-23 2003-11-28 에스케이 텔레콤주식회사 System and method for financial transaction
BG106813A (en) * 2002-06-12 2005-04-30 СТОЯНОВ Румен Method for mobile payments
WO2003107283A1 (en) * 2002-06-18 2003-12-24 Telefonaktiebolaget L M Ericsson (Publ) Parallel coordinated operations in private domains
CA2406880A1 (en) 2002-10-04 2004-04-04 Ibm Canada Limited-Ibm Canada Limitee Method and apparatus for an ecommerce message using sms
WO2004032542A2 (en) * 2002-10-04 2004-04-15 International Business Machines Corporation Method and apparatus for an e-commerce message using sms
FI20021951A (en) * 2002-11-01 2004-05-02 Meridea Financial Software Oy The realization of a service, in particular a financial service, in a network comprising portable terminals
PT1437668E (en) * 2003-01-08 2007-02-28 Rolf Krause Method for conducting a cashless payment of goods or services using a mobile radio terminal
KR100692954B1 (en) * 2003-12-18 2007-03-12 이처닷컴 주식회사 System and method for pin blocking on terminal for mobile finance
WO2006095250A1 (en) * 2005-03-11 2006-09-14 Firstrand Bank Limited Mobile banking system and method
CA2608596A1 (en) * 2006-01-20 2007-07-26 Ajay Adiseshann Method and system for making a payment through a mobile communication device
WO2008061151A2 (en) * 2006-11-14 2008-05-22 Globaltel Media, Inc. Mobile-to-mobile payment system and method
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WO2008097077A1 (en) * 2007-02-08 2008-08-14 Dlb Finance & Consultancy B.V. Method and system for reducing the proliferation of electronic messages
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US8239921B2 (en) 2008-01-03 2012-08-07 Dlb Finance & Consultancy B.V. System and method of retrieving a service contact identifier
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WO2014174342A1 (en) * 2013-04-25 2014-10-30 Elharras Mohamed Mobile payment with strong authentication and non repudiation

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WO1994011849A1 (en) * 1992-11-11 1994-05-26 Telecom Finland Oy Mobile telephone systems and a method for carrying out financial transactions by means of a mobile telephone system
WO1996013814A1 (en) * 1994-10-28 1996-05-09 Behruz Vazvan Real time tele-payment system
WO1996025828A1 (en) * 1995-02-15 1996-08-22 Nokia Mobile Phones Ltd. A method for using applications in a mobile station, a mobile station, and a system for effecting payments
WO1997004609A1 (en) * 1995-07-14 1997-02-06 Eii-Konsulter System for payment transactions between two active cards

Patent Citations (4)

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WO1994011849A1 (en) * 1992-11-11 1994-05-26 Telecom Finland Oy Mobile telephone systems and a method for carrying out financial transactions by means of a mobile telephone system
WO1996013814A1 (en) * 1994-10-28 1996-05-09 Behruz Vazvan Real time tele-payment system
WO1996025828A1 (en) * 1995-02-15 1996-08-22 Nokia Mobile Phones Ltd. A method for using applications in a mobile station, a mobile station, and a system for effecting payments
WO1997004609A1 (en) * 1995-07-14 1997-02-06 Eii-Konsulter System for payment transactions between two active cards

Also Published As

Publication number Publication date
FI971224A0 (en) 1997-03-24
FI971224A (en) 1998-09-25
WO1998042173A2 (en) 1998-10-01
FI109505B (en) 2002-08-15
AU6501998A (en) 1998-10-20
EP0972275A2 (en) 2000-01-19

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