WO2002071354A3 - System and method for facilitating an m-commerce transaction - Google Patents

System and method for facilitating an m-commerce transaction

Info

Publication number
WO2002071354A3
WO2002071354A3 PCT/CA2002/000272 CA0200272W WO2002071354A3 WO 2002071354 A3 WO2002071354 A3 WO 2002071354A3 CA 0200272 W CA0200272 W CA 0200272W WO 2002071354 A3 WO2002071354 A3 WO 2002071354A3
Authority
WO
Grant status
Application
Patent type
Prior art keywords
method
top
transaction device
information
up
Prior art date
Application number
PCT/CA2002/000272
Other languages
French (fr)
Other versions
WO2002071354A2 (en )
Inventor
Alan L Swain
Kevin K M Woo
Original Assignee
Soft Tracks Entpr Ltd
Alan L Swain
Kevin K M Woo
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

Links

Classifications

    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07FCOIN-FREED OR LIKE APPARATUS
    • G07F7/00Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08Mechanisms 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
    • G07F7/10Mechanisms 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
    • G07F7/1008Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/04Payment circuits
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/22Payment schemes or models
    • G06Q20/26Debit schemes, e.g. "pay now"
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/22Payment schemes or models
    • G06Q20/28Pre-payment schemes, e.g. "pay before"
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices
    • G06Q20/34Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07FCOIN-FREED OR LIKE APPARATUS
    • G07F7/00Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08Mechanisms 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
    • G07F7/0873Details of the card reader
    • G07F7/088Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself
    • G07F7/0886Details 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
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04MTELEPHONIC COMMUNICATION
    • H04M17/00Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04MTELEPHONIC COMMUNICATION
    • H04M17/00Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H04M17/20Prepayment of wireline communication systems, wireless communication systems or telephone systems with provision for recharging the prepaid account or card, or for credit establishment
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04WWIRELESS COMMUNICATIONS NETWORKS
    • H04W4/00Services specially adapted for wireless communication networks; Facilities therefor
    • H04W4/24Accounting or billing
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04MTELEPHONIC COMMUNICATION
    • H04M2215/00Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/20Technology dependant metering
    • H04M2215/2026Wireless network, e.g. GSM, PCS, TACS
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04MTELEPHONIC COMMUNICATION
    • H04M2215/00Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/32Involving wireless systems

Abstract

A method for enabling authenticated payment by a user for top-up of prepaid services through a transaction device in real-time and which use is made of existing interfaces of both the transaction device service provider and of the financial institution effecting the top-up payment, the method comprising the steps of receiving at an application server first information indicative of the transaction device authentication; receiving at the application server second information for verification of the user; and using both the first and second information to authorise top-up payment of the prepaid service.
PCT/CA2002/000272 2001-03-02 2002-03-04 System and method for facilitating an m-commerce transaction WO2002071354A3 (en)

Priority Applications (2)

Application Number Priority Date Filing Date Title
US27230001 true 2001-03-02 2001-03-02
US60/272,300 2001-03-02

Publications (2)

Publication Number Publication Date
WO2002071354A2 true WO2002071354A2 (en) 2002-09-12
WO2002071354A3 true true WO2002071354A3 (en) 2003-10-09

Family

ID=23039224

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/CA2002/000272 WO2002071354A3 (en) 2001-03-02 2002-03-04 System and method for facilitating an m-commerce transaction

Country Status (1)

Country Link
WO (1) WO2002071354A3 (en)

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US9208488B2 (en) 2011-11-21 2015-12-08 Mozido, Inc. Using a mobile wallet infrastructure to support multiple mobile wallet providers

Families Citing this family (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP1555638A1 (en) * 2004-01-16 2005-07-20 SCHLUMBERGER Systèmes Electronic transaction system and a transaction terminal adapted for such a system
US7831520B2 (en) * 2005-06-28 2010-11-09 Ebay Inc. Mobile device communication system
US20070106564A1 (en) * 2005-11-04 2007-05-10 Utiba Pte Ltd. Mobile phone as a point of sale (POS) device
US8538845B2 (en) 2011-06-03 2013-09-17 Mozido, Llc Monetary transaction system

Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1998047112A1 (en) * 1997-04-15 1998-10-22 Stratex/Paradigm (Uk) Limited Method for electronically vending, distributing, and recharging of pre-paid value, a vending machine and an electronic system for use therein
WO2001009853A1 (en) * 1999-08-02 2001-02-08 Software.Com, Inc. System and method for prepaid account replenishment

Patent Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1998047112A1 (en) * 1997-04-15 1998-10-22 Stratex/Paradigm (Uk) Limited Method for electronically vending, distributing, and recharging of pre-paid value, a vending machine and an electronic system for use therein
WO2001009853A1 (en) * 1999-08-02 2001-02-08 Software.Com, Inc. System and method for prepaid account replenishment

Non-Patent Citations (1)

* Cited by examiner, † Cited by third party
Title
VAN THANH D: "Security issues in mobile ecommerce", PAGE(S) 412-425, XP010515528 *

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US9208488B2 (en) 2011-11-21 2015-12-08 Mozido, Inc. Using a mobile wallet infrastructure to support multiple mobile wallet providers

Also Published As

Publication number Publication date Type
WO2002071354A2 (en) 2002-09-12 application

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