WO2003054820A3 - Method for loading electronic means of payment controlled by a mobile telephone - Google Patents

Method for loading electronic means of payment controlled by a mobile telephone Download PDF

Info

Publication number
WO2003054820A3
WO2003054820A3 PCT/HU2002/000154 HU0200154W WO03054820A3 WO 2003054820 A3 WO2003054820 A3 WO 2003054820A3 HU 0200154 W HU0200154 W HU 0200154W WO 03054820 A3 WO03054820 A3 WO 03054820A3
Authority
WO
WIPO (PCT)
Prior art keywords
given
mobile telephone
loading
during
central computer
Prior art date
Application number
PCT/HU2002/000154
Other languages
French (fr)
Other versions
WO2003054820A2 (en
Inventor
Rene Molnar
Original Assignee
Rene Molnar
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 Rene Molnar filed Critical Rene Molnar
Priority to EP02788268A priority Critical patent/EP1537545A2/en
Priority to AU2002353248A priority patent/AU2002353248A1/en
Publication of WO2003054820A2 publication Critical patent/WO2003054820A2/en
Publication of WO2003054820A3 publication Critical patent/WO2003054820A3/en

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
    • 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
    • G06Q20/28—Pre-payment schemes, e.g. "pay before"
    • 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

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (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)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Telephonic Communication Services (AREA)

Abstract

The invention relates to a method for loading electronic means of payment controlled by a mobile telephone and handling money circulation by a mobile telephone, preferably for executing financial transactions, during which without physical use of a bank card or a credit card electronic instructions and commands from a mobile telephone are given for transferring money to another means of payment, for example to a phone-card which is used or paid with. During the method according to the invention instructions are given for a central computer with database management system using a mobile telephone as a multifunctional input-output peripheral device, as well as voice and text information are received, which is characterized by that, the central computer with database management system is a unit located in a mobile telephone central, or a distant computer having connection with a central computer with database management system and forwarding system in a way known in itself, preferably through a data link, and during the method following data are beforehand or at starting transaction or during transaction given for the central computer with database management system, source of financial transaction or loading, in given case owner's bank account, number of credit card, target of loading, which can be in given case a definite pre-paid card the amount should be transferred to, furthermore an amount, which is moved from the source to the target during loading, which in given case can be determined by the system administrator, or the user, and the starting of the transaction takes place by calling a given telephone number or by sending any text or data message to a given phone number, furthermore loading follows an instruction given resulting from the call or from the call and data sending during communication with the central computer.
PCT/HU2002/000154 2001-12-20 2002-12-20 Method for loading electronic means of payment controlled by a mobile telephone WO2003054820A2 (en)

Priority Applications (2)

Application Number Priority Date Filing Date Title
EP02788268A EP1537545A2 (en) 2001-12-20 2002-12-20 Method for loading electronic means of payment controlled by a mobile telephone
AU2002353248A AU2002353248A1 (en) 2001-12-20 2002-12-20 Method for loading electronic means of payment controlled by a mobile telephone

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
HUP0105390 2001-12-20
HU0105390A HUP0105390A2 (en) 2001-12-20 2001-12-20 Method for controlled charging electronic means of payment from a mobil telephone and handling deal of money by mobil telephone, in particular for handling financial transactions

Publications (2)

Publication Number Publication Date
WO2003054820A2 WO2003054820A2 (en) 2003-07-03
WO2003054820A3 true WO2003054820A3 (en) 2003-12-11

Family

ID=89980022

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/HU2002/000154 WO2003054820A2 (en) 2001-12-20 2002-12-20 Method for loading electronic means of payment controlled by a mobile telephone

Country Status (4)

Country Link
EP (1) EP1537545A2 (en)
AU (1) AU2002353248A1 (en)
HU (1) HUP0105390A2 (en)
WO (1) WO2003054820A2 (en)

Families Citing this family (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7540408B2 (en) 2006-06-22 2009-06-02 Hip Consult Inc. Apparatus and method for facilitating money or value transfer

Citations (9)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1997045814A1 (en) * 1996-05-24 1997-12-04 Behruz Vazvan Real time system and method for remote purchase payment and remote bill payment transactions and transferring of electronic cash and other required data
EP0848537A1 (en) * 1996-12-12 1998-06-17 E-Plus Mobilfunk GmbH Method and apparatus for recharging/reusing of a telephone card for mobile telephones
US5991749A (en) * 1996-09-11 1999-11-23 Morrill, Jr.; Paul H. Wireless telephony for collecting tolls, conducting financial transactions, and authorizing other activities
WO2000018106A1 (en) * 1998-09-17 2000-03-30 Elisa Communications Oyj Method and system for prepayment of telephone call charges by sending short messages, sms
WO2000033264A1 (en) * 1998-12-02 2000-06-08 Swisscom Ag Method and system for charging or recharging an account with a value corresponding to a sum of money
US6142369A (en) * 1995-04-11 2000-11-07 Au-System Electronic transaction terminal for conducting electronic financial transactions using a smart card
EP1103934A2 (en) * 1999-11-24 2001-05-30 Siemens Aktiengesellschaft System and method of data input and transmission for processing a payment operation in a data network
EP1107198A2 (en) * 1999-11-30 2001-06-13 Citibank, Na System and method for performing an electronic transaction using a transaction proxy with an electronic wallet
WO2001086881A2 (en) * 2000-04-25 2001-11-15 Accenture S.A. A method and system for a wireless universal mobile product interface

Patent Citations (9)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6142369A (en) * 1995-04-11 2000-11-07 Au-System Electronic transaction terminal for conducting electronic financial transactions using a smart card
WO1997045814A1 (en) * 1996-05-24 1997-12-04 Behruz Vazvan Real time system and method for remote purchase payment and remote bill payment transactions and transferring of electronic cash and other required data
US5991749A (en) * 1996-09-11 1999-11-23 Morrill, Jr.; Paul H. Wireless telephony for collecting tolls, conducting financial transactions, and authorizing other activities
EP0848537A1 (en) * 1996-12-12 1998-06-17 E-Plus Mobilfunk GmbH Method and apparatus for recharging/reusing of a telephone card for mobile telephones
WO2000018106A1 (en) * 1998-09-17 2000-03-30 Elisa Communications Oyj Method and system for prepayment of telephone call charges by sending short messages, sms
WO2000033264A1 (en) * 1998-12-02 2000-06-08 Swisscom Ag Method and system for charging or recharging an account with a value corresponding to a sum of money
EP1103934A2 (en) * 1999-11-24 2001-05-30 Siemens Aktiengesellschaft System and method of data input and transmission for processing a payment operation in a data network
EP1107198A2 (en) * 1999-11-30 2001-06-13 Citibank, Na System and method for performing an electronic transaction using a transaction proxy with an electronic wallet
WO2001086881A2 (en) * 2000-04-25 2001-11-15 Accenture S.A. A method and system for a wireless universal mobile product interface

Also Published As

Publication number Publication date
HUP0105390A2 (en) 2003-11-28
WO2003054820A2 (en) 2003-07-03
EP1537545A2 (en) 2005-06-08
HU0105390D0 (en) 2002-02-28
AU2002353248A1 (en) 2003-07-09

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