WO2003094083A3 - Method of financial payment and device for its realizing - Google Patents

Method of financial payment and device for its realizing Download PDF

Info

Publication number
WO2003094083A3
WO2003094083A3 PCT/BG2002/000011 BG0200011W WO03094083A3 WO 2003094083 A3 WO2003094083 A3 WO 2003094083A3 BG 0200011 W BG0200011 W BG 0200011W WO 03094083 A3 WO03094083 A3 WO 03094083A3
Authority
WO
WIPO (PCT)
Prior art keywords
payment
clients
client
orderer
data
Prior art date
Application number
PCT/BG2002/000011
Other languages
French (fr)
Other versions
WO2003094083A2 (en
Inventor
Krasimir Nikolaev Popov
Original Assignee
Krasimir Nikolaev Popov
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
Family has litigation
First worldwide family litigation filed litigation Critical https://patents.darts-ip.com/?family=29274686&utm_source=google_patent&utm_medium=platform_link&utm_campaign=public_patent_search&patent=WO2003094083(A3) "Global patent litigation dataset” by Darts-ip is licensed under a Creative Commons Attribution 4.0 International License.
Application filed by Krasimir Nikolaev Popov filed Critical Krasimir Nikolaev Popov
Priority to AU2002302210A priority Critical patent/AU2002302210A1/en
Publication of WO2003094083A2 publication Critical patent/WO2003094083A2/en
Publication of WO2003094083A3 publication Critical patent/WO2003094083A3/en

Links

Classifications

    • 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
    • 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
    • G06Q20/30—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
    • G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
    • G06Q20/3255—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks using mobile network messaging services for payment, e.g. SMS

Abstract

The invention is applicable for payments between clients of a Communication Operator (CO) Network and between clients of at least two Communication Operators. Its ensures a financial payment between clients of a CO as a new, additional functional potentiality to the already developed system with settled down services by means of preliminary existing contract trustworthy payment interactions between the CO and its clients; also ensures in addition quick and secure amount transfers with low fees and with documentary primary accountant papers. The method is as follows: a client of CO, as orderer of a payment generates a request of payment regime with the telephone number of a client-recipient of the payment. After that is created a reverse (SMS) reply to the client-orderer of the payment with data about the financial identification of the recipient. The client-orderer fills the data in and gives a signal for its sending as a payment order. Automatic transfer between the both traditionally existing phone accounts of the both clients is realizing, information about payment is saving and SMS- confirmations is creating to the both participants in the transfer. The reports with the data for the transfer and the primarily accountant documents are issuing.The device is composed of entrance code-button 'pay' connected via block addresses of clients with an access to a service 'payment' and with a management block on payment regime.
PCT/BG2002/000011 2002-04-29 2002-06-26 Method of financial payment and device for its realizing WO2003094083A2 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU2002302210A AU2002302210A1 (en) 2002-04-29 2002-06-26 Method of financial payment and device for its realizing

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
BG106664 2002-04-29
BG106664A BG65608B1 (en) 2002-04-29 2002-04-29 Method of payment through a communications operator

Publications (2)

Publication Number Publication Date
WO2003094083A2 WO2003094083A2 (en) 2003-11-13
WO2003094083A3 true WO2003094083A3 (en) 2004-01-22

Family

ID=29274686

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/BG2002/000011 WO2003094083A2 (en) 2002-04-29 2002-06-26 Method of financial payment and device for its realizing

Country Status (3)

Country Link
AU (1) AU2002302210A1 (en)
BG (1) BG65608B1 (en)
WO (1) WO2003094083A2 (en)

Families Citing this family (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20050192078A1 (en) * 2004-02-27 2005-09-01 Sridhar Jawaharlal SMS-based mobile lottery games
EA006625B1 (en) * 2004-08-24 2006-02-24 Мэйфэир Курт Консултантс Лимитед Method of payments and transfers of money using mobile communication

Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1996013814A1 (en) * 1994-10-28 1996-05-09 Behruz Vazvan Real time tele-payment system
WO1998037524A1 (en) * 1997-06-27 1998-08-27 Swisscom Ag Transaction method using a mobile device
WO1998042173A2 (en) * 1997-03-24 1998-10-01 Fd Finanssidata Oy Use of banking services in a digital cellular radio system
EP1014317A1 (en) * 1998-12-14 2000-06-28 Sagem Sa Secure payment method
US6134328A (en) * 1995-08-21 2000-10-17 Pitney Bowes Inc. Secure user certification for electronic commerce employing value metering system
WO2001043048A1 (en) * 1999-12-10 2001-06-14 Oy Prikatti Ab Method, system, terminal and business model for providing electronic services

Family Cites Families (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
FI944738A (en) * 1994-10-07 1996-04-08 Parkit Oy System and method for paying the parking fee
WO1997019568A1 (en) * 1996-04-19 1997-05-29 Behruz Vazvan Connectionless mobile parking system (mps)
SE9702925L (en) * 1997-08-12 1998-05-25 Rolf Rising System for charging, collecting and distributing parking fees
SE513880C2 (en) * 1998-03-17 2000-11-20 Modul System Sweden Ab Parking system for vehicles
AU2002223545A1 (en) * 2000-09-19 2002-04-02 Telefonaktiebolaget Lm Ericsson (Publ) Delivery of location-specific information

Patent Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1996013814A1 (en) * 1994-10-28 1996-05-09 Behruz Vazvan Real time tele-payment system
US6134328A (en) * 1995-08-21 2000-10-17 Pitney Bowes Inc. Secure user certification for electronic commerce employing value metering system
WO1998042173A2 (en) * 1997-03-24 1998-10-01 Fd Finanssidata Oy Use of banking services in a digital cellular radio system
WO1998037524A1 (en) * 1997-06-27 1998-08-27 Swisscom Ag Transaction method using a mobile device
EP1014317A1 (en) * 1998-12-14 2000-06-28 Sagem Sa Secure payment method
WO2001043048A1 (en) * 1999-12-10 2001-06-14 Oy Prikatti Ab Method, system, terminal and business model for providing electronic services

Also Published As

Publication number Publication date
AU2002302210A8 (en) 2003-11-17
AU2002302210A1 (en) 2003-11-17
BG65608B1 (en) 2009-02-27
BG106664A (en) 2003-12-31
WO2003094083A2 (en) 2003-11-13

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