WO2002069085A3 - Method and system for electronic commerce using a mobile communication system - Google Patents

Method and system for electronic commerce using a mobile communication system Download PDF

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Publication number
WO2002069085A3
WO2002069085A3 PCT/US2002/004961 US0204961W WO02069085A3 WO 2002069085 A3 WO2002069085 A3 WO 2002069085A3 US 0204961 W US0204961 W US 0204961W WO 02069085 A3 WO02069085 A3 WO 02069085A3
Authority
WO
WIPO (PCT)
Prior art keywords
smart card
mobile communication
electronic commerce
mobile telephone
communication system
Prior art date
Application number
PCT/US2002/004961
Other languages
French (fr)
Other versions
WO2002069085A2 (en
Inventor
Joyce Phillips
Original Assignee
Citibank Na
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 Citibank Na filed Critical Citibank Na
Priority to AU2002250134A priority Critical patent/AU2002250134A1/en
Publication of WO2002069085A2 publication Critical patent/WO2002069085A2/en
Publication of WO2002069085A3 publication Critical patent/WO2002069085A3/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
    • G07F7/10—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 together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
    • 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
    • G06Q20/12—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
    • G06Q20/08—Payment architectures
    • G06Q20/16—Payments settled via telecommunication 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
    • G06Q20/30—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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • 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
    • 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
    • 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
    • G07F7/0873—Details of the card reader
    • G07F7/088—Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself
    • G07F7/0886—Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself the card reader being portable for interacting with a POS or ECR in realizing a payment transaction
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M7/00—Arrangements for interconnection between switching centres
    • H04M7/0012—Details of application programming interfaces [API] for telephone networks; Arrangements which combine a telephonic communication equipment and a computer, i.e. computer telephony integration [CPI] arrangements
    • H04M7/0018—Computer Telephony Resource Boards

Abstract

A system and method for using a smart card (25) provided by a bank (14) and available through a mobile telephone service provider (10) in one branded service for use on a secure merchant network (32) accessible through a mobile telephone whereby a consumer may obtain a single-branded smart card from the mobile telephone service provider and subsequently purchase goods and services through such a network using the smart card, and whereby the bank account or other account associated with the smart card is debited.
PCT/US2002/004961 2001-02-21 2002-02-21 Method and system for electronic commerce using a mobile communication system WO2002069085A2 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU2002250134A AU2002250134A1 (en) 2001-02-21 2002-02-21 Method and system for electronic commerce using a mobile communication system

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US27034001P 2001-02-21 2001-02-21
US60/270,340 2001-02-21

Publications (2)

Publication Number Publication Date
WO2002069085A2 WO2002069085A2 (en) 2002-09-06
WO2002069085A3 true WO2002069085A3 (en) 2004-04-29

Family

ID=23030930

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2002/004961 WO2002069085A2 (en) 2001-02-21 2002-02-21 Method and system for electronic commerce using a mobile communication system

Country Status (2)

Country Link
AU (1) AU2002250134A1 (en)
WO (1) WO2002069085A2 (en)

Families Citing this family (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2005086593A2 (en) * 2004-02-05 2005-09-22 A Little World Private Limited Inter-operable, multi-operator, multi-bank, multi-merchant mobile payment method and a system therefor
EP1771827A1 (en) * 2004-06-30 2007-04-11 France Télécom Multipurpose electronic payment method and system
EP2339529A1 (en) * 2009-12-01 2011-06-29 Mikko Kalervo Väänänen Method and means for controlling payment setup

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6000832A (en) * 1997-09-24 1999-12-14 Microsoft Corporation Electronic online commerce card with customer generated transaction proxy number for online transactions
US6179209B1 (en) * 1997-11-19 2001-01-30 International Business Machines Corporation Credit card reader for internet-based commerce
US6247129B1 (en) * 1997-03-12 2001-06-12 Visa International Service Association Secure electronic commerce employing integrated circuit cards
US6343361B1 (en) * 1998-11-13 2002-01-29 Tsunami Security, Inc. Dynamic challenge-response authentication and verification of identity of party sending or receiving electronic communication

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6247129B1 (en) * 1997-03-12 2001-06-12 Visa International Service Association Secure electronic commerce employing integrated circuit cards
US6000832A (en) * 1997-09-24 1999-12-14 Microsoft Corporation Electronic online commerce card with customer generated transaction proxy number for online transactions
US6179209B1 (en) * 1997-11-19 2001-01-30 International Business Machines Corporation Credit card reader for internet-based commerce
US6343361B1 (en) * 1998-11-13 2002-01-29 Tsunami Security, Inc. Dynamic challenge-response authentication and verification of identity of party sending or receiving electronic communication

Also Published As

Publication number Publication date
WO2002069085A2 (en) 2002-09-06
AU2002250134A1 (en) 2002-09-12

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