WO2001071627A8 - A method and system for wireless electronic commerce using a portable, wireless communication device having unique identifying information - Google Patents
A method and system for wireless electronic commerce using a portable, wireless communication device having unique identifying informationInfo
- Publication number
- WO2001071627A8 WO2001071627A8 PCT/US2001/009136 US0109136W WO0171627A8 WO 2001071627 A8 WO2001071627 A8 WO 2001071627A8 US 0109136 W US0109136 W US 0109136W WO 0171627 A8 WO0171627 A8 WO 0171627A8
- Authority
- WO
- WIPO (PCT)
- Prior art keywords
- wcd
- commerce transaction
- pot
- wireless interface
- electronic commerce
- Prior art date
Links
Classifications
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- 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
-
- 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
- G06Q20/20—Point-of-sale [POS] network systems
- G06Q20/202—Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
-
- 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
- G06Q20/08—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
- G06Q20/22—Payment schemes or models
- G06Q20/26—Debit schemes, e.g. "pay now"
-
- 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]
- G06Q20/3224—Transactions dependent on location 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
- G06Q20/30—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
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
-
- 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
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L63/00—Network architectures or network communication protocols for network security
- H04L63/04—Network architectures or network communication protocols for network security for providing a confidential data exchange among entities communicating through data packet networks
- H04L63/0428—Network architectures or network communication protocols for network security for providing a confidential data exchange among entities communicating through data packet networks wherein the data content is protected, e.g. by encrypting or encapsulating the payload
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L63/00—Network architectures or network communication protocols for network security
- H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
- H04L63/083—Network architectures or network communication protocols for network security for authentication of entities using passwords
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04W—WIRELESS COMMUNICATION NETWORKS
- H04W12/00—Security arrangements; Authentication; Protecting privacy or anonymity
- H04W12/03—Protecting confidentiality, e.g. by encryption
- H04W12/033—Protecting confidentiality, e.g. by encryption of the user plane, e.g. user's traffic
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04W—WIRELESS COMMUNICATION NETWORKS
- H04W84/00—Network topologies
- H04W84/18—Self-organising networks, e.g. ad-hoc networks or sensor networks
- H04W84/20—Master-slave selection or change arrangements
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04W—WIRELESS COMMUNICATION NETWORKS
- H04W8/00—Network data management
- H04W8/26—Network addressing or numbering for mobility support
Landscapes
- Engineering & Computer Science (AREA)
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Computer Networks & Wireless Communication (AREA)
- Computer Security & Cryptography (AREA)
- Finance (AREA)
- Signal Processing (AREA)
- Computing Systems (AREA)
- General Engineering & Computer Science (AREA)
- Computer Hardware Design (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Marketing (AREA)
- Databases & Information Systems (AREA)
- Technology Law (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
L'invention concerne un procédé et un système destinés à effectuer une transaction de commerce électronique. Un abonné/utilisateur mobile lance et commande la transaction au niveau ou au voisinage d'un terminal de point de transaction (POT) local au moyen d'un dispositif de communication sans fil (WCD) portable. Un ordinateur fournisseur de support de commerce électronique (ESP) connecté à l'Internet participe à cette transaction de commerce électronique et la facilite. Au moyen du WCD, l'utilisateur transfère par voie électronique des avoirs détenus par l'utilisateur, tels que de l'argent, un crédit ou des points bonus conservés sur un compte d'avoirs de consommateur à distance, entre le compte d'avoirs et le terminal POT en tant que moyen de paiement de biens et/ou services au niveau du POT. Le WCD est identifié de manière unique par des informations d'identification uniques stockées dans le WCD. Ce dernier comprend une première interface sans fil destinée à communiquer avec une interface sans fil dans le terminal POT local. Des premières données de transaction de commerce électronique sont transmises entre le WCD et le terminal POT à l'aide de la première interface sans fil. Le WCD comprend une seconde interface sans fil destinée à communiquer avec l'ordinateur ESP. Des secondes données de transaction de commerce électronique cryptées produites en fonction des informations d'identification uniques et des premières données de transaction de commerce électronique sont transmises entre le WCD et l'ordinateur ESP connecté à l'Internet au moyen de la seconde interface sans fil du WCD. L'échange des premières et secondes données de transaction de commerce électronique entre le terminal POT, le WCD et l'ordinateur ESP permet le transfert des avoirs de l'utilisateur entre le terminal POT et le WCD, d'où l'exécution de la transaction de commerce électronique.A method and system for performing an e-commerce transaction are provided. A mobile subscriber / user initiates and controls the transaction at or near a local transaction point terminal (POT) using a portable wireless communication device (WCD). An electronic commerce support (ESP) computer connected to the Internet participates in and facilitates this electronic commerce transaction. By means of the WCD, the user transfers electronically assets held by the user, such as money, credit or bonus points kept in a remote consumer asset account, between the account of assets and the POT terminal as a means of payment for goods and / or services at the POT level. The WCD is uniquely identified by unique identification information stored in the WCD. The latter includes a first wireless interface intended to communicate with a wireless interface in the local POT terminal. First electronic commerce transaction data is transmitted between the WCD and the POT terminal using the first wireless interface. The WCD includes a second wireless interface for communicating with the ESP computer. Second encrypted e-commerce transaction data produced based on the unique identification information and first e-commerce transaction data is transmitted between the WCD and the ESP computer connected to the Internet using the second wireless interface from WCD. The exchange of the first and second electronic commerce transaction data between the POT terminal, the WCD and the ESP computer allows the transfer of the user's assets between the POT terminal and the WCD, hence the execution of the e-commerce transaction.
Priority Applications (4)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
KR1020027012520A KR20020084237A (en) | 2000-03-22 | 2001-03-21 | A method and system for wireless electronic commerce using a portable, wireless communication device having unique identifying information |
EP01920637A EP1266332A2 (en) | 2000-03-22 | 2001-03-21 | A method and system for wireless electronic commerce using a portable, wireless communication device having unique identifying information |
JP2001569733A JP2003532175A (en) | 2000-03-22 | 2001-03-21 | Method and system for wireless electronic commerce using a portable wireless communication device with unique identification information |
AU2001247669A AU2001247669A1 (en) | 2000-03-22 | 2001-03-21 | A method and system for wireless electronic commerce using a portable, wireless communication device having unique identifying information |
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US53250700A | 2000-03-22 | 2000-03-22 | |
US09/532,507 | 2000-03-22 |
Publications (3)
Publication Number | Publication Date |
---|---|
WO2001071627A2 WO2001071627A2 (en) | 2001-09-27 |
WO2001071627A8 true WO2001071627A8 (en) | 2002-03-07 |
WO2001071627A9 WO2001071627A9 (en) | 2002-12-27 |
Family
ID=24122091
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
PCT/US2001/009136 WO2001071627A2 (en) | 2000-03-22 | 2001-03-21 | A method and system for wireless electronic commerce using a portable, wireless communication device having unique identifying information |
Country Status (6)
Country | Link |
---|---|
EP (1) | EP1266332A2 (en) |
JP (1) | JP2003532175A (en) |
KR (1) | KR20020084237A (en) |
CN (1) | CN1430760A (en) |
AU (1) | AU2001247669A1 (en) |
WO (1) | WO2001071627A2 (en) |
Families Citing this family (20)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
FI20002636A (en) * | 2000-11-30 | 2002-05-31 | Nokia Corp | A method and system for distributing electronic content |
FR2831361A1 (en) * | 2001-10-24 | 2003-04-25 | Gemplus Card Int | Secure transmission of electronic transaction information between the parties involved by creation of encrypted physical electronic transaction tokens containing relevant information, which are used via a service provider |
JP3958975B2 (en) * | 2002-01-30 | 2007-08-15 | 株式会社エヌ・ティ・ティ・ドコモ | Billing system, mobile terminal and billing method |
WO2004019151A2 (en) * | 2002-08-20 | 2004-03-04 | Teimuraz Tchkadua | Method and system for transfer of money via telecommunication network |
US6934535B2 (en) * | 2002-12-02 | 2005-08-23 | Nokia Corporation | Privacy protection in a server |
EP1530177B1 (en) * | 2003-11-07 | 2006-09-13 | Alcatel | Method for supporting cashless payment |
JP2005328321A (en) | 2004-05-14 | 2005-11-24 | Casio Comput Co Ltd | Communication terminal device and program for communication control processing |
BRPI0512468A (en) | 2004-06-25 | 2008-03-11 | Ian Charles Ogilvy | method, apparatus and system for processing a payment transaction; database; passive device; computer program; computer readable media; method for launching software applications; and method or organizer of a queue |
US7124937B2 (en) | 2005-01-21 | 2006-10-24 | Visa U.S.A. Inc. | Wireless payment methods and systems |
WO2007076631A1 (en) * | 2005-12-30 | 2007-07-12 | Intel Corporation | Usage model of online/offline license for asset control |
US8935187B2 (en) | 2007-03-07 | 2015-01-13 | Playspan, Inc. | Distributed payment system and method |
US20090112767A1 (en) | 2007-10-25 | 2009-04-30 | Ayman Hammad | Escrow system and method |
CN102082789A (en) * | 2010-12-23 | 2011-06-01 | 北京中汉儒臣国际技术有限公司 | Information processing method, intelligent terminal and server |
US8538845B2 (en) | 2011-06-03 | 2013-09-17 | Mozido, Llc | Monetary transaction system |
US9208488B2 (en) | 2011-11-21 | 2015-12-08 | Mozido, Inc. | Using a mobile wallet infrastructure to support multiple mobile wallet providers |
US10438196B2 (en) | 2011-11-21 | 2019-10-08 | Mozido, Inc. | Using a mobile wallet infrastructure to support multiple mobile wallet providers |
CN103457930B (en) * | 2013-07-29 | 2017-05-10 | 海南智谷科技有限公司 | Data processing method based on server, user terminal and merchant terminal |
US9094440B1 (en) * | 2015-02-10 | 2015-07-28 | Moxtreme Corp. | Systems and methods for providing a communication platform for e-commerce |
SG11201809112VA (en) | 2016-07-15 | 2018-11-29 | Visa Int Service Ass | Digital asset distribution by transaction device |
US10742662B2 (en) * | 2017-09-28 | 2020-08-11 | Apple Inc. | Non-transaction enabling data security |
Family Cites Families (1)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
JPH08279004A (en) * | 1995-04-04 | 1996-10-22 | Fujitsu Ltd | Facility guidance system control system and facility guidance system |
-
2001
- 2001-03-21 KR KR1020027012520A patent/KR20020084237A/en not_active Application Discontinuation
- 2001-03-21 CN CN01810007A patent/CN1430760A/en active Pending
- 2001-03-21 JP JP2001569733A patent/JP2003532175A/en not_active Withdrawn
- 2001-03-21 AU AU2001247669A patent/AU2001247669A1/en not_active Abandoned
- 2001-03-21 EP EP01920637A patent/EP1266332A2/en not_active Withdrawn
- 2001-03-21 WO PCT/US2001/009136 patent/WO2001071627A2/en not_active Application Discontinuation
Also Published As
Publication number | Publication date |
---|---|
WO2001071627A9 (en) | 2002-12-27 |
KR20020084237A (en) | 2002-11-04 |
CN1430760A (en) | 2003-07-16 |
AU2001247669A1 (en) | 2001-10-03 |
WO2001071627A2 (en) | 2001-09-27 |
EP1266332A2 (en) | 2002-12-18 |
JP2003532175A (en) | 2003-10-28 |
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