WO2001041093A1 - Systeme et procede permettant de realiser une transaction financiere - Google Patents
Systeme et procede permettant de realiser une transaction financiere Download PDFInfo
- Publication number
- WO2001041093A1 WO2001041093A1 PCT/IB2000/001779 IB0001779W WO0141093A1 WO 2001041093 A1 WO2001041093 A1 WO 2001041093A1 IB 0001779 W IB0001779 W IB 0001779W WO 0141093 A1 WO0141093 A1 WO 0141093A1
- Authority
- WO
- WIPO (PCT)
- Prior art keywords
- user
- communications network
- request
- payment
- server
- Prior art date
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
-
- A—HUMAN NECESSITIES
- A63—SPORTS; GAMES; AMUSEMENTS
- A63F—CARD, BOARD, OR ROULETTE GAMES; INDOOR GAMES USING SMALL MOVING PLAYING BODIES; VIDEO GAMES; GAMES NOT OTHERWISE PROVIDED FOR
- A63F13/00—Video games, i.e. games using an electronically generated display having two or more dimensions
- A63F13/70—Game security or game management aspects
- A63F13/79—Game security or game management aspects involving player-related data, e.g. identities, accounts, preferences or play histories
- A63F13/792—Game security or game management aspects involving player-related data, e.g. identities, accounts, preferences or play histories for payment purposes, e.g. monthly subscriptions
-
- 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
- G06Q20/12—Payment architectures specially adapted for electronic shopping 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
- G06Q20/38—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
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F17/00—Coin-freed apparatus for hiring articles; Coin-freed facilities or services
- G07F17/32—Coin-freed apparatus for hiring articles; Coin-freed facilities or services for games, toys, sports, or amusements
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F17/00—Coin-freed apparatus for hiring articles; Coin-freed facilities or services
- G07F17/32—Coin-freed apparatus for hiring articles; Coin-freed facilities or services for games, toys, sports, or amusements
- G07F17/3202—Hardware aspects of a gaming system, e.g. components, construction, architecture thereof
- G07F17/3223—Architectural aspects of a gaming system, e.g. internal configuration, master/slave, wireless communication
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F17/00—Coin-freed apparatus for hiring articles; Coin-freed facilities or services
- G07F17/32—Coin-freed apparatus for hiring articles; Coin-freed facilities or services for games, toys, sports, or amusements
- G07F17/326—Game play aspects of gaming systems
- G07F17/3262—Player actions which determine the course of the game, e.g. selecting a prize to be won, outcome to be achieved, game to be played
-
- A—HUMAN NECESSITIES
- A63—SPORTS; GAMES; AMUSEMENTS
- A63F—CARD, BOARD, OR ROULETTE GAMES; INDOOR GAMES USING SMALL MOVING PLAYING BODIES; VIDEO GAMES; GAMES NOT OTHERWISE PROVIDED FOR
- A63F2300/00—Features of games using an electronically generated display having two or more dimensions, e.g. on a television screen, showing representations related to the game
- A63F2300/40—Features of games using an electronically generated display having two or more dimensions, e.g. on a television screen, showing representations related to the game characterised by details of platform network
- A63F2300/406—Transmission via wireless network, e.g. pager or GSM
-
- A—HUMAN NECESSITIES
- A63—SPORTS; GAMES; AMUSEMENTS
- A63F—CARD, BOARD, OR ROULETTE GAMES; INDOOR GAMES USING SMALL MOVING PLAYING BODIES; VIDEO GAMES; GAMES NOT OTHERWISE PROVIDED FOR
- A63F2300/00—Features of games using an electronically generated display having two or more dimensions, e.g. on a television screen, showing representations related to the game
- A63F2300/40—Features of games using an electronically generated display having two or more dimensions, e.g. on a television screen, showing representations related to the game characterised by details of platform network
- A63F2300/409—Data transfer via television network
-
- A—HUMAN NECESSITIES
- A63—SPORTS; GAMES; AMUSEMENTS
- A63F—CARD, BOARD, OR ROULETTE GAMES; INDOOR GAMES USING SMALL MOVING PLAYING BODIES; VIDEO GAMES; GAMES NOT OTHERWISE PROVIDED FOR
- A63F2300/00—Features of games using an electronically generated display having two or more dimensions, e.g. on a television screen, showing representations related to the game
- A63F2300/50—Features of games using an electronically generated display having two or more dimensions, e.g. on a television screen, showing representations related to the game characterized by details of game servers
Definitions
- THIS invention relates to a secure method of conducting a financial transaction and to a system therefor.
- merchants in their own trading areas may also wish to use their mobile telephones to obtain a payment from a customer.
- the present invention seeks to address these problems by providing a method of conducting a financial transaction and a system therefor.
- a method of conducting a financial transaction comprising the steps of:
- the result of the request is preferably transmitted from the financial institution to the server via the second communications network, and from the server to the user via the mobile communications network.
- the data entered by the user may be one or more of their credit card number, card verification code (CVC), expiry date, amount of the transaction and the budget period.
- CVC card verification code
- the data entered by the user may be details of their debit card, vendor card or their bank account details.
- the user's personal and mobile station details are preferably stored in a database connected to the server, and the server only accepts a request from a user whose details are stored in the database.
- the method may further comprise the step of requesting the user to enter a personal identification number or profile number before requesting the financial institution to authorise the payment.
- the user of the mobile station is prompted by voice messages played over the mobile communications network to enter the data.
- the present invention extends to a system for conducting a financial transaction, the system comprising:
- a communication module for communicating with a mobile communications network
- the system may further include a memory device having the personal and mobile station details of a plurality of users stored thereon.
- the processor is further adapted to only accept a request from a user whose details are stored in the memory device.
- the processor may be further adapted to request the user to enter a personal identification or profile number before requesting the financial institution to authorise the payment.
- the result of the request is preferably transmitted from the financial institution to the server via the second communications network, and from the server to the user via the mobile communications network.
- the data entered by the user may be one or more of their credit card number, card verification code (CVC), expiry date, amount of the transaction and the budget period.
- CVC card verification code
- the data entered by the user may be details of their debit card, vendor card or their bank account details.
- the third parties personal and banking details are preferably stored in a database connected to the server, and the server only accepts a request to pay a third party whose details are stored in the database.
- the method may further comprise the step of requesting the user to enter a personal identification number before requesting the financial institution to authorise the payment.
- the user of the mobile station is prompted by voice messages played over the mobile communications network to enter the data.
- the present invention also extends to a system for conducting a financial transaction, the system comprising:
- a communication module for communicating with a mobile communications network
- the system may include a memory device having the personal and banking details of a plurality of third parties stored thereon.
- the processor is further adapted to only accept a request if the third parties details are stored in the memory device.
- the processor may be further adapted to request the user to enter a personal identification or profile number before requesting the financial institution to authorise the payment.
- the method may further comprise the step of sending a message to the purchaser and/or the vendor confirming whether the transaction has been allowed or not.
- the message confirming whether the transaction has been allowed or not is preferably transmitted from the financial institution to the server via the second communications network, and from the server to the purchaser via a mobile communications network.
- the data entered by the purchaser may be one or more of their credit card number, CVC, expiry date, amount of the transaction and the budget period.
- the data entered by the user is details of their debit card, vendor card or their bank account details.
- the present invention also extends to a system for conducting a financial transaction, the system comprising:
- a first communication module for communicating with a mobile communications network
- a second communication module for communicating with a second communications network
- a processor adapted to receive a request via the mobile communications network for the authorisation of a payment from a purchaser to a vendor, the processor being further adapted to request a financial institution to authorise the payment from the purchaser to the vendor, and to inform the purchaser via the mobile communications network and/or the vendor via the second or another communications network whether the transaction has been allowed or not.
- the second communications network is preferably the Internet.
- the system may further comprise a memory device having the banking details of a plurality of vendors stored thereon.
- the processor is preferably further adapted to only accept a request for payment to a vendor whose details are stored in the memory device.
- Figure 1 is a schematic drawing of a first embodiment of the system of the present invention
- Figure 2 is a schematic drawing of a second embodiment of the system of the present invention.
- Figure 3 is a schematic drawing of the design of the server of the system of the present invention.
- the system of the present invention includes a plurality of mobile stations in the form of mobile telephones 10 which are used to connect to a server 16 via a mobile communications network 12.
- the server 16 has a first communications module (not shown) in the form of hardware and/or software which allows the server to communicate via the mobile communications network 12.
- the server 16 is located at the site of a financial service provider 14.
- the server 16 is connected to another server 18 at a financial institution 20 via a secure line 22.
- a merchant who wishes to accept payment using the credit card of a customer dials a predetermined number with their mobile telephone 10. It will be appreciated that although the invention is described with reference to the use of a credit card to effect payment, any other method of payment could be used, for example, a debit card, transferring money from one bank account to another, or a smart card etc.
- the call is routed via the mobile communications network 12 to the site of a financial service provider 14.
- the call is received at the server 16 located at the site of the financial service provider 14.
- the current development server 16 is a WindowsTM NT Server running the applications software of the present invention.
- the server 16 manages the call session and prompts the merchant to enter details of the customer using the mobile telephone 10. These prompts are carried out using Interactive Voice Response (IVR) messages. These are essentially prerecorded messages which are played to the merchant over the mobile communications network 12. Alternatively, these prompts could be in the form of (Unstructured Supplementary Services Data) USSD messages sent to the mobile phones display.
- IVR Interactive Voice Response
- the details will typically include the customer's credit card number, card verification code (CVC), expiry date, amount of the transaction and the budget period.
- CVC card verification code
- the merchant's details will already be stored in a database (not shown) connected to the server 16.
- the merchant enters all the customer details using the keypad of the mobile telephone 10 to send dual tone multi-frequency (DTMF) signals to the server 16. Once the details have been entered, the merchant has the option of terminating the call session or waiting for a voice message to confirm that the transaction has been successfully completed.
- DTMF dual tone multi-frequency
- the server 16 is connected to the server 18 of the financial institution 20 via a secure line 22.
- the financial institution 20 will typically, but not necessarily, be the financial institution at which the customer has their credit card account. Because the merchant must be able to accept a plurality of credit cards from different financial institutions, the server 16 will typically be able to connect to a server 18 at any one of a plurality of financial institutions. Alternatively, the merchant may dial into a single acquiring financial institution which is able to effect the transaction even if the customer has their credit card account at another financial institution.
- the payment amount will be debited from the customer's credit card and credited to the merchant's account, which may or may not be at the same financial institution as the customer's credit card account.
- the server 18 at the financial institution 20 informs the server 16 that the transaction has been successful.
- the server 16 uses the mobile communications network 12 to send an SMS or USSD message to the merchant's mobile phone 10 to inform them that the transaction was successful.
- a voice message is played to the merchant over the mobile communications network 12 to inform the merchant whether the transaction has been successful or not.
- a request for payment can only be made using a registered mobile phone. Every request received by the system is validated and authenticated before any transaction is requested from the financial institution. If a merchant is suspected of fraudulent requests, they can immediately be suspended from using the system pending a detailed enquiry. Thus the managers of the financial service provider are able to exert a substantial amount of control over the system, and the security thereof.
- a merchant would preferably take a card present impression of a customers credit card. This is done by placing the credit card under a piece of paper and rubbing the paper so that the card details are impressed into the paper. The customer is then asked to sign this to prove that the card was present at the time of the transaction. This assists the merchant in any repudiation dispute.
- the server 16 logs all transaction activity in a database. This aids in intruder detection and in the auditing of the system.
- the above system can also be used in conjunction with a remote interactive voice response system.
- the call from the mobile phone 10 of the merchant is received at an intermediate server 24, which is typically located at the site of the telephone network administrator.
- the intermediate server 24 has a database 26 which links the telephone number dialed to the network address of the server 16.
- a message is sent over a second network 28 to the server 16 informing the server 16 of a request for a transaction.
- the second network 28 is also typically a secure line.
- the server 16 replies via the second network 28 and instructs the intermediate server 24 to play a pre-recorded voice message over the mobile communications network 12 to the merchant.
- the voice message prompts the merchant to enter the necessary data, such as the credit card number, CVC, expiry date, amount requested and the budget period.
- the merchant is given the option of not listening to the voice message prompts and of entering the data in a batch format.
- the data entry prompts could be in the form of USSD messages sent to the mobile phone's display.
- the communication session is managed by the server 16 which instructs the intermediate server 24 what voice or USSD message to play next, and the server 16 receives the data entered by the merchant via the intermediate server 24.
- the call session is ended and the server 16 contacts the relevant financial institution to conduct the financial transaction, as described above.
- a voice or USSD message is played to the merchant over the mobile communications network 12 to inform the merchant whether the transaction has been successful or not.
- the server 16 upon receiving notification from the financial institution 20 that the transaction was successful or unsuccessful, instructs the intermediate server 24 to forward an SMS or USSD message to the merchant.
- a similar method and system is used to allow the customer to make a payment to a third party using the customer's mobile telephone.
- the third party will need to be registered with the financial service provider so that the customer can effect a payment to them.
- the transaction flow is very similar to the transaction flow described above, except for the fact that the transaction is initiated from a different party, namely the customer, as opposed to the merchant.
- the customer dials a predetermined number with their mobile telephone 10.
- the call is routed via the mobile communications network 12 to the site of the financial service provider 14.
- the call is received at the server 16 located at the site of the financial service provider 14, and the server 16 manages the call session and prompts the customer to enter details of the merchant using the mobile telephone 10. These prompts are carried out using Interactive Voice Response (IVR) messages or USSD messages.
- IVR Interactive Voice Response
- the details will typically include the customer's credit card number, CVC, expiry date, amount of the transaction and the budget period.
- the merchant's details will already be stored in a database (not shown) connected to the server 16.
- the customer has the option of terminating the call session or waiting for a voice message to confirm that the transaction has been successfully completed.
- the server 16 is connected to the server 18 of the financial institution 20 via a secure line 22. If the customer's credit card has sufficient funds for the payment, the payment amount will be debited from the customer's credit card and credited to the merchant's account, which may or may not be at the same financial institution as the customer's credit card account.
- the server 18 at the financial institution 20 informs the server 16 that the transaction has been successful.
- the server 16 uses the mobile communications network 12 to send an SMS or USSD message to the customer's mobile phone 10 to inform them that the transaction was successful.
- a voice message is played to the customer over the mobile communications network 12 to inform the customer whether the transaction has been successful or not.
- a customer who wishes to purchase goods or services from an on-line shopping site is able to use the system of the present invention to pay for goods they wish to purchase.
- a data message appearing on the screen instructs the customer to use a telephone to dial a predetermined telephone number.
- This message can either appear as a window on their computer screen, or a new window is opened and the customer is diverted to another Universe Resource Locator (URL).
- URL Universe Resource Locator
- the customer is now prompted via messages appearing on the computer screen and via voice or USSD prompts over their telephone to enter data to effect the payment.
- An on-line vendor who wishes to accept payment using the system of the present invention will have had to previously register with the financial service provider, and the vendor's details will already be stored in a database (not shown) connected to the server 16.
- the call is routed via the mobile communications network 12 to the site of the financial service provider 14.
- the server 16 manages the call session and prompts the customer to enter their details using the telephone 10.
- the details will typically include the customer's credit card number, CVC, expiry date, amount of the transaction and the budget period. Other information could include their ID number or a PIN or Profile number, for example.
- the system of this embodiment of the present invention also caters for a customer registration facility. This enables customers who buy frequently on the Internet using the secure payment gateway of the present invention, to register their personal profile with the financial service provider 14. Customer registration is accomplished by the customer entering their name and address over the Internet and when they "submit" the form, they are presented with a registration applet where they are prompted to dial a number. After dialing the number, they are prompted to enter their credit card number, CVC, ID number and their chosen PIN number via the telephone. If they are using a debit card, vendor card or initiating a bank transfer, they will enter details of these. The confidential information is thus transferred securely out of the Internet band and stored in a unique customer profile in the financial service provider 14 database.
- Registered customers when paying for goods using the secure Internet payment gateway, can then subsequently enter their PIN number when prompted for their credit card number, for example.
- the GSM ID and their PIN number are then verified and, if correct, their confidential data is retrieved from their registered profile in the secure database and is used to assemble the financial transaction as normal, thus speeding up their payment experience.
- the user enters all their details using the keypad of the telephone 10 to send dual tone multi-frequency (DTMF) signals to the server 16. Once the details have been entered, the user has the option of terminating the call session or waiting for a voice message to confirm that the transaction has been successfully completed.
- DTMF dual tone multi-frequency
- the server 16 is connected to the server 18 of the financial institution 20 via a secure line 22.
- the financial institution 20 will typically, but not necessarily, be the financial institution at which the user has their credit card account. Because the vendor must be able to accept a plurality of credit cards from different financial institutions, the server 16 will typically be able to connect to a server 18 at any one of a plurality of financial institutions. Alternatively, the server may dial into a single acquiring financial institution which is able to effect the transaction even if the user has their credit card account at another financial institution.
- the payment amount will be debited from the user's credit card and credited to the vendor's account, which may or may not be at the same financial institution as the user's credit card account.
- the server 18 at the financial institution 20 informs the server 16 that the transaction has been successful.
- the server 16 uses the mobile communications network 12 to send an SMS or USSD message to the user's mobile telephone 10 to inform them that the transaction was successful.
- a voice message is played to the user over the mobile communications network 12 to inform the user whether the transaction has been successful or not.
- the user's computer screen will also display a message indicating whether the transaction was successful or not.
- the server 16 also informs the vendor whether the transaction has been successful or not. This can be done using a message sent over the Internet or an SMS or USSD message sent to the vendor's registered mobile telephone.
- the server has a second communications module (not shown) in the form of hardware and/or software which allows the server to communicate via the Internet.
- Figure 3 illustrates an example of the system of the present invention, particularly of the layout of the server 16.
- a communication module in the form of an Interactive Voice Response (IVR) module 30 is connected to a traffic controller module 32 (more commonly known as a load balancer) which routes requests received from the IVR module 30 to one of a plurality of connection server modules 34. If the system is not implemented using the IVR server 30, the communication module is implemented using other hardware and/or software which enables the application server modules 36 to communicate with the mobile telephone communication network 12.
- the plurality of connection server modules 34 are software applications which run independently of one another. They may reside on the same or separate pieces of hardware.
- connection server modules 34 control the two-way communication between the IVR module 30 and a user mobile telephone.
- connection server modules 34 can be connected to any one of a plurality of application server modules 36.
- application server modules 36 typically software applications which run independently of one another, and they may reside on the same or separate pieces of hardware.
- the application server modules 36 function together with a financial hub 38 and a secure server 40 and related secure database 42 to authorise the payment of the requested amount.
- An SMS server 44 is used to post SMS or USSD messages to the SMS or USSD server 46 of the mobile communications network 12, which sends the SMS or USSD message to the user's mobile phone.
- the current modules route messages to one another using TCP/IP, or Windows API messaging.
- the traffic controller module 32, connection server modules 34 and application server modules 36 implement some internal logic that maintains a state table of available resources to use e.g. which connection server module 34 and which application server module 36 to use next.
- a socket connection is established with the applicable module and maintained for the duration of the activity. When the activity is finished, the socket connection is broken and is available for the next connection.
- the secure server 40 controls the associated secure database 42 where the data is kept which relates to the merchant's account details, the user or customer profiles and the transactions which have been carried out.
- firewalls can be put in place to protect the servers, for example, between the remote IVR 30 and the traffic controller 32.
- the present invention provides an easy and secure method for allowing payment of an amount using a mobile telecommunications network and the credit card, debit card, vendor card or bank account details of a customer.
Abstract
Priority Applications (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
AU17216/01A AU1721601A (en) | 1999-12-03 | 2000-12-01 | A system and method for conducting a financial transaction |
Applications Claiming Priority (3)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
ZA997483 | 1999-12-03 | ||
ZA99/7483 | 1999-12-03 | ||
ZA00/1095 | 2000-02-04 |
Publications (1)
Publication Number | Publication Date |
---|---|
WO2001041093A1 true WO2001041093A1 (fr) | 2001-06-07 |
Family
ID=25588027
Family Applications (2)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
PCT/IB2000/001768 WO2001039854A1 (fr) | 1999-12-03 | 2000-11-29 | Procede et systeme pour faciliter un jeu |
PCT/IB2000/001779 WO2001041093A1 (fr) | 1999-12-03 | 2000-12-01 | Systeme et procede permettant de realiser une transaction financiere |
Family Applications Before (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
PCT/IB2000/001768 WO2001039854A1 (fr) | 1999-12-03 | 2000-11-29 | Procede et systeme pour faciliter un jeu |
Country Status (3)
Country | Link |
---|---|
EP (1) | EP1263514A1 (fr) |
AU (2) | AU2388601A (fr) |
WO (2) | WO2001039854A1 (fr) |
Cited By (5)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
WO2003005745A1 (fr) * | 2001-07-05 | 2003-01-16 | Telpay Pty Ltd | Systeme et procede de communication financiere |
WO2006004555A1 (fr) * | 2004-06-30 | 2006-01-12 | Paysetter Pte Ltd | Systeme et procede destines a faciliter le transfert d'argent physique et/ou de credits |
US7389275B2 (en) * | 2002-03-05 | 2008-06-17 | Visa U.S.A. Inc. | System for personal authorization control for card transactions |
US8732042B2 (en) | 2011-07-28 | 2014-05-20 | Visa International Service Association | Mobile data mapping system and method |
US11107069B2 (en) | 2006-06-19 | 2021-08-31 | Visa U.S.A. Inc. | Transaction authentication using network |
Families Citing this family (7)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US6908389B1 (en) | 2001-03-07 | 2005-06-21 | Nokia Corporation | Predefined messages for wireless multiplayer gaming |
DE10145215A1 (de) * | 2001-05-23 | 2002-12-05 | Andreas Simon | Datenkommunikationssystem, Datenkommunikationsverfahren, sowie Vorrichtung zur Verwendung in einem Datenkommunikationssystem |
DE10125333C2 (de) * | 2001-05-23 | 2003-04-10 | Andreas Simon | Datenkommunikationssystem, Datenkommunikationsverfahren, sowie Vorrichtung zur Verwendung in einem Datenkommunikationssystem |
EA005390B1 (ru) * | 2002-11-19 | 2005-02-24 | Тоо Свр-Электроникс | Способ проведения интерактивной игры |
CN2915199Y (zh) * | 2003-07-02 | 2007-06-27 | 尼古拉·波利索维·博罗杜林 | 用于大众游戏或投票或公共意见民意测验的系统 |
EP1555051A1 (fr) * | 2004-01-13 | 2005-07-20 | Blue Sky Entertainment B.V. | Méthode d'exécution d'un quiz avec téléphones portables et une station de transmission de télévision/radio |
EP1658887A1 (fr) * | 2004-11-17 | 2006-05-24 | Oy Espoo Systems Ltd. | Méthode et systèm permettant aux spectateurs d'une manifestation sportive de consulter des statistigeus et d'effectuer des paris à l'aide de moyens mobiles. |
Citations (6)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
WO1994011849A1 (fr) * | 1992-11-11 | 1994-05-26 | Telecom Finland Oy | Systemes telephoniques mobiles et procede d'execution de transactions financieres au moyen d'un systeme telephonique mobile |
WO1996013814A1 (fr) * | 1994-10-28 | 1996-05-09 | Behruz Vazvan | Systeme de telepaiement en temps reel |
EP0785534A1 (fr) * | 1996-01-17 | 1997-07-23 | Koninklijke KPN N.V. | Méthode et système pour effectuer des transactions financières à l'aide de postes mobiles de téléphone |
WO1999030257A1 (fr) * | 1997-12-05 | 1999-06-17 | Northern Telecom, Limited | Procede et appareil de traitement de commandes passees par un client depuis un vehicule en mouvement |
WO1999033034A1 (fr) * | 1997-12-23 | 1999-07-01 | Global Mobility Systems, Inc. | Systeme et procede de commande de transactions financieres par un reseau de telecommunication |
US5986565A (en) * | 1997-11-24 | 1999-11-16 | Attention System Co., Ltd. | Individual recognition system |
Family Cites Families (6)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
GB2112989B (en) * | 1982-01-02 | 1986-02-26 | David Leslie Mcneight | Competitive question and answer game |
GB8530663D0 (en) * | 1985-12-12 | 1986-01-22 | Jpm Automatic Machines Ltd | Amusement/skill with prizes machines |
US5108115A (en) * | 1989-12-07 | 1992-04-28 | Robert Berman | Interactive game show and method for achieving interactive communication therewith |
EP0474923A1 (fr) * | 1990-09-11 | 1992-03-18 | Sigma-Delta N.V. | Appareil pour participer à des jeux de quiz, transmis ou enregistrés |
FR2701181A1 (fr) * | 1993-02-01 | 1994-08-05 | Goreta Lucas | Jeu par téléphone utilisant un objet intégrant un système de synthèse de fréquence vocale (DTMF) et de code crypté comme clef d'entrée et d'identification. |
US6650892B1 (en) * | 1998-02-24 | 2003-11-18 | Solaic | Mobile communications apparatus adapted for executing computer game programs |
-
2000
- 2000-11-29 WO PCT/IB2000/001768 patent/WO2001039854A1/fr not_active Application Discontinuation
- 2000-11-29 AU AU23886/01A patent/AU2388601A/en not_active Abandoned
- 2000-11-29 EP EP00987585A patent/EP1263514A1/fr not_active Withdrawn
- 2000-12-01 AU AU17216/01A patent/AU1721601A/en not_active Abandoned
- 2000-12-01 WO PCT/IB2000/001779 patent/WO2001041093A1/fr active Application Filing
Patent Citations (6)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
WO1994011849A1 (fr) * | 1992-11-11 | 1994-05-26 | Telecom Finland Oy | Systemes telephoniques mobiles et procede d'execution de transactions financieres au moyen d'un systeme telephonique mobile |
WO1996013814A1 (fr) * | 1994-10-28 | 1996-05-09 | Behruz Vazvan | Systeme de telepaiement en temps reel |
EP0785534A1 (fr) * | 1996-01-17 | 1997-07-23 | Koninklijke KPN N.V. | Méthode et système pour effectuer des transactions financières à l'aide de postes mobiles de téléphone |
US5986565A (en) * | 1997-11-24 | 1999-11-16 | Attention System Co., Ltd. | Individual recognition system |
WO1999030257A1 (fr) * | 1997-12-05 | 1999-06-17 | Northern Telecom, Limited | Procede et appareil de traitement de commandes passees par un client depuis un vehicule en mouvement |
WO1999033034A1 (fr) * | 1997-12-23 | 1999-07-01 | Global Mobility Systems, Inc. | Systeme et procede de commande de transactions financieres par un reseau de telecommunication |
Cited By (8)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
WO2003005745A1 (fr) * | 2001-07-05 | 2003-01-16 | Telpay Pty Ltd | Systeme et procede de communication financiere |
US7389275B2 (en) * | 2002-03-05 | 2008-06-17 | Visa U.S.A. Inc. | System for personal authorization control for card transactions |
US8793189B2 (en) | 2002-03-05 | 2014-07-29 | Visa U.S.A. Inc. | System for personal authorization control for card transactions |
US9685024B2 (en) | 2002-03-05 | 2017-06-20 | Visa U.S.A. Inc. | System for personal authorization control for card transactions |
US10540659B2 (en) | 2002-03-05 | 2020-01-21 | Visa U.S.A. Inc. | System for personal authorization control for card transactions |
WO2006004555A1 (fr) * | 2004-06-30 | 2006-01-12 | Paysetter Pte Ltd | Systeme et procede destines a faciliter le transfert d'argent physique et/ou de credits |
US11107069B2 (en) | 2006-06-19 | 2021-08-31 | Visa U.S.A. Inc. | Transaction authentication using network |
US8732042B2 (en) | 2011-07-28 | 2014-05-20 | Visa International Service Association | Mobile data mapping system and method |
Also Published As
Publication number | Publication date |
---|---|
AU1721601A (en) | 2001-06-12 |
AU2388601A (en) | 2001-06-12 |
WO2001039854A1 (fr) | 2001-06-07 |
EP1263514A1 (fr) | 2002-12-11 |
Similar Documents
Publication | Publication Date | Title |
---|---|---|
EP1301912B1 (fr) | Systeme de gestion de transactions | |
US7685068B2 (en) | Arrangement and method for tele-commerce with client profiles | |
US8401963B2 (en) | Secure authentication and payment system | |
US7490062B2 (en) | Method of payment by means of an electronic communication device | |
EP1031106B1 (fr) | Procede permettant des activites de detail sur un reseau longue distance | |
US6807410B1 (en) | Electronic payment process and system for implementing this process | |
US20030120592A1 (en) | Method of performing a transaction | |
US20020143634A1 (en) | Wireless payment system | |
WO2003096159A2 (fr) | Procede et systeme permettant d'effectuer des transactions electroniques via un dispositif personnel | |
CA2557329A1 (fr) | Systeme de transaction | |
WO2003047208A1 (fr) | Paiement par carte de credit depuis un telephone mobile | |
KR20010100380A (ko) | 이동통신단말기를 이용한 상거래 대금의 결제방법 및결제장치 | |
WO2004049621A1 (fr) | Systeme d'authentification et d'identification et transactions utilisant un tel systeme d'authentification et d'identification | |
WO2001041093A1 (fr) | Systeme et procede permettant de realiser une transaction financiere | |
KR20030082090A (ko) | 전자 지불 결제 방법 및 시스템 | |
WO2006004441A2 (fr) | Operation bancaires electroniques | |
WO2001098956A1 (fr) | Procede de taxation pour des services ou du contenu d'internet soumis a taxation | |
GB2362489A (en) | Secure communication | |
KR20090001844A (ko) | 모바일뱅킹을 이용한 모바일간 결제 서비스 방법 | |
KR20020000911A (ko) | 이동통신망을 이용한 직불 거래 서비스 시스템과 그서비스 방법 | |
ZA200205258B (en) | A system and method for conducting a financial transaction. | |
KR20010091827A (ko) | 통신 단말 번호를 이용한 송금 시스템 및 송금 방법 | |
US7729966B1 (en) | Telephone interface to internet payment processing system | |
KR20010111622A (ko) | 이동 통신 단말기를 이용한 전자 상품권 유통 방법 | |
EP1293923A2 (fr) | Dispositif et méthode pour télécommerce avec des profils de clients |
Legal Events
Date | Code | Title | Description |
---|---|---|---|
AK | Designated states |
Kind code of ref document: A1 Designated state(s): AE AG AL AM AT AU AZ BA BB BG BR BY BZ CA CH CN CR CU CZ DE DK DM DZ EE ES FI GB GD GE GH GM HR HU ID IL IN IS JP KE KG KP KR KZ LC LK LR LS LT LU LV MA MD MG MK MN MW MX MZ NO NZ PL PT RO RU SD SE SG SI SK SL TJ TM TR TT TZ UA UG US UZ VN YU ZA ZW |
|
AL | Designated countries for regional patents |
Kind code of ref document: A1 Designated state(s): GH GM KE LS MW MZ SD SL SZ TZ UG ZW AM AZ BY KG KZ MD RU TJ TM AT BE CH CY DE DK ES FI FR GB GR IE IT LU MC NL PT SE TR BF BJ CF CG CI CM GA GN GW ML MR NE SN TD TG |
|
121 | Ep: the epo has been informed by wipo that ep was designated in this application | ||
DFPE | Request for preliminary examination filed prior to expiration of 19th month from priority date (pct application filed before 20040101) | ||
REG | Reference to national code |
Ref country code: DE Ref legal event code: 8642 |
|
122 | Ep: pct application non-entry in european phase | ||
NENP | Non-entry into the national phase |
Ref country code: JP |