WO2005043436A1 - Procede de realisation d'operations financieres par des utilisateurs de dispositifs mobiles de communication electronique, et systeme informatique de compensation permettant sa mise en oeuvre - Google Patents

Procede de realisation d'operations financieres par des utilisateurs de dispositifs mobiles de communication electronique, et systeme informatique de compensation permettant sa mise en oeuvre Download PDF

Info

Publication number
WO2005043436A1
WO2005043436A1 PCT/RU2004/000433 RU2004000433W WO2005043436A1 WO 2005043436 A1 WO2005043436 A1 WO 2005043436A1 RU 2004000433 W RU2004000433 W RU 2004000433W WO 2005043436 A1 WO2005043436 A1 WO 2005043436A1
Authority
WO
WIPO (PCT)
Prior art keywords
payment
πlaτezha
communication
eleκτροnnοy
server
Prior art date
Application number
PCT/RU2004/000433
Other languages
English (en)
Russian (ru)
Inventor
Konstantin Viktorovich Dyshlevoi
Original Assignee
Obschestvo S Ogranichennoy Otvetstvennostyu 'mobiliti'
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 Obschestvo S Ogranichennoy Otvetstvennostyu 'mobiliti' filed Critical Obschestvo S Ogranichennoy Otvetstvennostyu 'mobiliti'
Publication of WO2005043436A1 publication Critical patent/WO2005043436A1/fr

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
    • G06Q20/30—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]
    • G06Q20/3221—Access to banking information 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes

Definitions

  • the payer For the transfer of money from another customer, the payer must send to the indicated website the payment request made with the payment amount stated. Obviously, for the input of such data, the client should have a computer display and a keyboard.
  • nedavneg ⁇ v ⁇ emeni started ⁇ az ⁇ ab ⁇ a sis ⁇ em beznalichn ⁇ g ⁇ ⁇ asche ⁇ a, ⁇ ien ⁇ i ⁇ vanny ⁇ on is ⁇ lz ⁇ vanie in ⁇ aches ⁇ ve ⁇ lz ⁇ va ⁇ els ⁇ i ⁇ ⁇ e ⁇ minal ⁇ v m ⁇ bilny ⁇ us ⁇ ys ⁇ v ele ⁇ nn ⁇ y communication ⁇ a ⁇ i ⁇ ⁇ a ⁇ m ⁇ bilnye ⁇ ele ⁇ ny or ⁇ a ⁇ mannye ⁇ m ⁇ yu ⁇ e ⁇ y ( ⁇ egz ⁇ a ⁇ ⁇ d ⁇ a ⁇ ⁇ zz ⁇ z ⁇ a ⁇ or ⁇ ).
  • the user’s mobile device is equipped with a special marking device, which confirms that the order is replaced.
  • the payment type index is entered into by the mobile phone and the user is not allowed to use the telephone.
  • the user of the portable computer may be able to communicate with the server of the system via the Internet terminal.
  • a paid form of payment with an acceptable value for the calculated amount of payment may be a payment for the service, in particular, a mobile communication service.
  • Another example of this type of payment may be a contribution to a favorable fund.
  • the terms of payment may include any of the following elements: comments of the payment recipient, detailed description of the payment company, detailed description of the purpose of payment. image, ⁇ réelle ⁇ Models, videos, sound messages.
  • the payment type index may be sent to the user of the mobile device using electronic communications and / or medical devices. This may be advertising billboards, mobile visual advertising, advertising publications and publications, television advertising, etc. Payment Index 5 It is preferable to indicate together with the designation of the system of cashless payments, which may be indicated by such an index. If a payment is requested or paid by the customer, the payment system is subject to payment by the user. In addition, such data may also be stored in a memory device of the system server.
  • a user may have a bank account and / or a credit card, and in this case, a bank account may have a bank account.
  • a payable organization may also set up a service center for a secondary card.
  • a payment company may have an electronic payment system, and in so doing, it is a matter for the user to accept payment. To ensure the maximum convenience of introducing a payment type index from a mobile device, this index is predominantly free of charge.
  • a limited time is set for the operation, and after the expiry of the specified terms, the code will be canceled.
  • the code will be canceled.
  • it is necessary to store it in a memory that is safe for the system at a predetermined time after the removal.
  • communications in the system of the system for the user of the mobile communication device may be stored in the payment system of the mobile communication system.
  • ⁇ d ⁇ ug ⁇ m va ⁇ ian ⁇ e if m ⁇ biln ⁇ e us ⁇ ys ⁇ v ⁇ ele ⁇ nn ⁇ y communication ⁇ dde ⁇ zhivae ⁇ ⁇ l ⁇ ⁇ / ⁇ , introduced ⁇ lz ⁇ va ⁇ elem ⁇ i ⁇ si ⁇ vanny ⁇ a ⁇ l or ⁇ dn ⁇ az ⁇ vy ⁇ d au ⁇ en ⁇ i ⁇ i ⁇ atsii m ⁇ zhe ⁇ ⁇ e ⁇ edava ⁇ sya in se ⁇ ve ⁇ sis ⁇ emy che ⁇ ez associated d ⁇ lni ⁇ elny se ⁇ ve ⁇ ⁇ lz ⁇ va ⁇ els ⁇ g ⁇ in ⁇ e ⁇ eysa, ⁇ dde ⁇ zhivayuschy ⁇ bmen in ⁇ matsiey with m ⁇ bilnymi us ⁇ ys ⁇ vami ele ⁇ nn ⁇ y due to
  • the proposed method of non-cash payment also makes it possible to expedite payments in the event of a combination of the non-cash payment system.
  • the type of payment index may correspond to the index of the commercial service in the database of goods that provides for such a service.
  • This server uses a user interface that is compliant with applications written in _2 / and / or communicating with the user ⁇ biln ⁇ e us ⁇ ys ⁇ v ⁇ ele ⁇ nn ⁇ y communication m ⁇ zhe ⁇ ime ⁇ v ⁇ zm ⁇ zhn ⁇ s ⁇ connection se ⁇ ve ⁇ m ⁇ lz ⁇ va ⁇ els ⁇ g ⁇ in ⁇ e ⁇ eysa ⁇ ⁇ analu bez ⁇ asn ⁇ g ⁇ s ⁇ edineniya in chas ⁇ n ⁇ s ⁇ i with ⁇ imeneniem shi ⁇ vaniya ⁇ ⁇ dn ⁇ mu of ⁇ l ⁇ v ⁇ .S6, ⁇ ⁇ / ⁇ _5 or 381.
  • the server of payment automation may be connected with the payment service provider and payment terminal through the payment system.
  • the server of payment automation may contain a block for the generation of authentication, and the memorable service of the server 9 payment authorization - the risk of the storage of the goods associated with the operation of the user units, in particular the blocking of the case of the operation of the company Quick description of the drawing in FIG. 1
  • the structured system of the cashless payment system is provided.
  • ⁇ a ⁇ ig. 2 The structured system of the cashless payment system is provided in another variant of the invention.
  • ⁇ a ⁇ ig. 3 The structured scheme of the server of payment automation is presented.
  • BEST MODES FOR CARRYING OUT THE INVENTION 1 The structured scheme of the cashless payment system is provided, in which case the simple cashless payment system is implemented. Commands are the communication channels between the components and the corresponding direction of information.
  • ⁇ bilny ⁇ ele ⁇ n 4 connected s ⁇ shlyuz ⁇ m 5 ⁇ e ⁇ a ⁇ a m ⁇ biln ⁇ y connection, After a short while, it can exchange data with the server 1 payment automation.
  • a server user interface 6 can optionally maintain a database of products and / or services that are available to users 10 mobile telephones are available with the corresponding ⁇ ⁇ / ⁇ - or _2 ⁇ -interface.
  • ⁇ e ⁇ minal 3 ⁇ lucha ⁇ elya ⁇ la ⁇ ezhey ⁇ ed ⁇ ch ⁇ i ⁇ eln ⁇ ⁇ eds ⁇ avlyae ⁇ s ⁇ b ⁇ y ⁇ m ⁇ yu ⁇ e ⁇ , s ⁇ ve ⁇ s ⁇ vuyuschim ⁇ b ⁇ az ⁇ m ⁇ d ⁇ lyuchenny ⁇ ⁇ m ⁇ yu ⁇ e ⁇ n ⁇ y se ⁇ i (na ⁇ ime ⁇ , se ⁇ i In ⁇ e ⁇ ne ⁇ ) n ⁇ m ⁇ zhe ⁇ ⁇ a ⁇ zhe by ⁇ ⁇ eds ⁇ avlen ⁇ nechnym us ⁇ ys ⁇ v ⁇ m d ⁇ ug ⁇ g ⁇ ⁇ i ⁇ a in ⁇ m including m ⁇ bilnym us ⁇ ys
  • Payments are sent to you by 1 payment authorization on server 2 bank after payment is complied with with respect to the payment system.
  • the series of 1 payment automation is connected to the server of 2 banks, the terminals of 3 payment recipients and the customer interface of the 6 channels of secure connection. It is preferable that the information provided is provided on the 55 ⁇ _ technology.
  • encryption may be carried out one of the terms of C6, ⁇ ⁇ / ⁇ _, 5 or 55 ⁇ _.
  • ⁇ zm ⁇ zhn ⁇ s ⁇ i is ⁇ lz ⁇ vaniya ⁇ l ⁇ v ⁇ ⁇ / ⁇ _.5 and 55 ⁇ _ budu ⁇ ⁇ assm ⁇ eny below ⁇ i ⁇ isanii ⁇ ab ⁇ y ⁇ lz ⁇ va ⁇ elya with sis ⁇ em ⁇ y beznalichn ⁇ g ⁇ ⁇ asche ⁇ a, s ⁇ de ⁇ zhaschey se ⁇ ve ⁇ ⁇ lz ⁇ va ⁇ els ⁇ g ⁇ in ⁇ e ⁇ eysa 6.
  • the system can be implemented in various configurations. But, the server of 1 payment automation may be connected with the server of the only payment organization (server 2 of the bank in Fig. 1). In this case, the cashless payment system may be used by an appropriate bank for the organization of a free payment center. The server of 1 payment authorization will be administered by the indicated bank. With another option, one server of 1 payment authorization with the corresponding server can use a few banks (Fig. 2). There is also the possibility of organizing an interbank system in a one-server system using a non-compliant banking system. This is shown in FIG.
  • a memorable device 14 is associated with the aforementioned units 1 1 of payments with payers, unit 12 of payments with users and block 13 of payments with customers.
  • a payable service of 14 series 1 of payment authorization contains the information about the pay- ers of the pay- ment and the parties
  • payment is made to the payment of payments to the parties.
  • Authentication may be subject to the use of a custom password or a separate ⁇ -code, which is subject to use by the user.
  • a memorable device on September 14th of 1 payment authorization contains a separate area of storage of authentication related to unit 12 of payments with users. With this block 16 of the generation of authentication codes, it is associated with the storage area of the authentication devices of the storage device.
  • each of the blocks 1 1, 12, 13, 15, 16 may be supported by a separate process.
  • the memory device is 14 servos of 1 payment authorization, and it is possible, for example, from the back of all separate disk drives.
  • Mobile phone on this 14 may be ⁇ (a pocket computer) or even a page.
  • a mobile device can be easily accessed by means of a direct connection ⁇ ⁇ / ⁇ / It is desirable to have support for the implementation of the ⁇ . ⁇ .5 ( ⁇ ⁇ ⁇ ⁇ ⁇ ⁇ ⁇ ⁇ ⁇ ⁇ ⁇ ⁇ ⁇ ⁇ ⁇ ⁇ ⁇ ).
  • ⁇ ⁇ slednem case ⁇ gda is ⁇ lzue ⁇ sya ⁇ a ⁇ a on m ⁇ bilny ⁇ ele ⁇ n ⁇ lz ⁇ va ⁇ elya us ⁇ anavlivae ⁇ sya ⁇ il ⁇ zhenie on yazy ⁇ e ⁇ a ⁇ a (_2 ⁇ ), ⁇ ealizuyuschee ⁇ lz ⁇ va ⁇ els ⁇ y in ⁇ e ⁇ eys (us ⁇ an ⁇ v ⁇ a ⁇ il ⁇ zheniya m ⁇ zhe ⁇ ⁇ izv ⁇ di ⁇ sya, na ⁇ ime ⁇ , ⁇ e ⁇ a ⁇ m connection or by ⁇ ebi ⁇ elem 15 by downloading applications from the Internet).
  • the conditions of the type of payment may include the actual type of text as the description of the purpose of the payment, and the condition for the amount of the payment may be paid and the amount shall be paid.
  • Usl ⁇ viya kind ⁇ la ⁇ ezha ⁇ b ⁇ aba ⁇ yvayu ⁇ sya bl ⁇ m January 1 ⁇ ab ⁇ y with ⁇ lucha ⁇ elyami ⁇ la ⁇ ezhey and vv ⁇ dya ⁇ sya in za ⁇ minayuschee us ⁇ ys ⁇ v ⁇ 14 ⁇ ichem ⁇ azhd ⁇ mu ⁇ n ⁇ e ⁇ n ⁇ mu mind ⁇ la ⁇ ezha ⁇ isvaivayu ⁇ uni ⁇ alny inde ⁇ s, ⁇ as ⁇ s ⁇ anyaemy s ⁇ edi ⁇ lz ⁇ va ⁇ eley m ⁇ bilny ⁇ us ⁇ ys ⁇ v ele ⁇ nn ⁇ y connection.
  • P ⁇ i e ⁇ m inde ⁇ s form ⁇ la ⁇ ezha ⁇ ed ⁇ ch ⁇ i ⁇ eln ⁇ s ⁇ s ⁇ avlyayu ⁇ of tsi ⁇ (for ⁇ blegcheniya nab ⁇ a on m ⁇ biln ⁇ m us ⁇ ys ⁇ ve ele ⁇ nn ⁇ y communication) and u ⁇ azyvayu ⁇ vmes ⁇ e with ⁇ b ⁇ znacheniem s ⁇ ve ⁇ s ⁇ vuyuschey sis ⁇ emy beznalichn ⁇ g ⁇ ⁇ asche ⁇ a, ⁇ s ⁇ l ⁇ u ⁇ a ⁇ alleln ⁇ m ⁇ gu ⁇ ⁇ un ⁇ tsi ⁇ ni ⁇ va ⁇ nes ⁇ l ⁇ ⁇ a ⁇ i ⁇ sis ⁇ em.
  • the indicated message contains a ⁇ ⁇ / ⁇ link for quick access to the system in the future (the link contains a direct unique identifier of the user in the system).
  • the user can keep this link in the ⁇ ⁇ / ⁇ -package, and the user must not use the device to enter the system.
  • the first 1 payment authorization system which is part of the non-cash payment system and is administered by this bank.
  • the operation of the user with the system depends on the capabilities of the telephone.
  • the payment mechanism may be used and 20 placements on the server 1 of payment automation or on the server user interface 6, in addition to the customer service.
  • ⁇ chas ⁇ n ⁇ s ⁇ i ⁇ sle us ⁇ an ⁇ vleniya connection se ⁇ ve ⁇ m 1 av ⁇ izatsii ⁇ la ⁇ ezhey che ⁇ ez ⁇ ⁇ / ⁇ -se ⁇ ve ⁇ 8 ⁇ lz ⁇ va ⁇ el m ⁇ zhe ⁇ ⁇ sm ⁇ e ⁇ s ⁇ anennye ⁇ anee s ⁇ mi ⁇ vannye for neg ⁇ ⁇ mme ⁇ ches ⁇ ie ⁇ edl ⁇ zheniya ⁇ s ⁇ avschi ⁇ v ( ⁇ lucha ⁇ eley ⁇ la ⁇ ezhey) and vyb ⁇ a ⁇ ne ⁇ e of ni ⁇ for ⁇ la ⁇ y.
  • E ⁇ i data v ⁇ lyuchayuschie a minimum ⁇ a ⁇ assignment ⁇ la ⁇ ezha and iden ⁇ i ⁇ i ⁇ atsiyu ⁇ lucha ⁇ elya ⁇ la ⁇ ezha, na ⁇ avlyayu ⁇ sya bl ⁇ m 12 ⁇ ab ⁇ y with ⁇ lz ⁇ va ⁇ elyami on m ⁇ bilny ⁇ ele ⁇ n 4 and ⁇ b ⁇ azhayu ⁇ sya on eg ⁇ e ⁇ ane s ⁇ eds ⁇ vami g ⁇ a ⁇ iches ⁇ g ⁇ ⁇ lz ⁇ va ⁇ els ⁇ g ⁇ in ⁇ e ⁇ eysa vmes ⁇ e with ⁇ iglasheniem ⁇ d ⁇ ve ⁇ di ⁇ s ⁇ ve ⁇ shenie ⁇ la ⁇ ezhn ⁇ y ⁇ e ⁇ atsii.
  • the user Pressing the " ⁇ " button, the user sends their own mobile 21 phone in the server 1 of payment authorization pending receipt of payment; In the event of settlement of accounts for the commercially available operation of the system, it runs the same way.
  • the user accepts a commercially available service (account) with the same ⁇ ⁇ / ⁇ interface.
  • the purpose and, for example, the amount of payment the user shall pay the invoice and click the pay- ment.
  • the above described algorithm provides a reliable mechanism for the protection of users and payment organizations as a result of the inadvertent loss of human rights of payers of money and money.
  • the invention allows the user to be informed of their intention to make payment by making sure that the payment method entered by them is in the payment system.
  • a further guarantee of securing payments in the non-cash payment system is the payment of funds to the users of the payment system.
  • a well-known user authentication is the user password.
  • ⁇ dna ⁇ in ⁇ ⁇ / ⁇ 1.1 shi ⁇ vanie not ⁇ dde ⁇ zhivae ⁇ sya ⁇ e ⁇ mu is ⁇ lz ⁇ vanie ⁇ i ⁇ si ⁇ vann ⁇ g ⁇ ⁇ lz ⁇ va ⁇ els ⁇ g ⁇ ⁇ a ⁇ lya for ⁇ d ⁇ ve ⁇ zhdeniya ⁇ ln ⁇ m ⁇ chy not ⁇ bes ⁇ echivae ⁇ d ⁇ lzhn ⁇ g ⁇ u ⁇ vnya bez ⁇ asn ⁇ s ⁇ i and ⁇ a ⁇ im ⁇ b ⁇ az ⁇ m, ne ⁇ iemlem ⁇ .
  • mechanism may be acceptable. 22 USE OF ONE DISCHARGE, OR ⁇ -CODE.
  • the skillet -codes in the user-friendly list are numbered and preferably provide a separate number for your own convenience.
  • the server 1 of the payment authorization considers it relevant (the payment was no longer used, it was not used for payment).
  • the ⁇ ⁇ / yer-interface of the server allows the user to enter a single WiFi-card with the indicated number from the user consulted ⁇ s product.
  • the information provided by the user is transferred to ⁇ ⁇ / admir-server 8 in series 1 of the payment automation, where it is transferred and transferred. In the event that this number coincides with the one chosen before, the user’s mobile phone is subject to payment conditions for the subsequent payment. If the code is incorrect, the ⁇ ⁇ / ⁇ -server 8 is informative that an error that was previously selected by the ⁇ -code will become invalid even for the payment in progress.
  • ⁇ ⁇ / ⁇ -server 8 is reported in this case to the user in general and 23 offers to enter another ⁇ -code. With the affirmative answer, the above chain starts from the beginning. If the payment method is incorrect, then the required payment methods, payment mechanism, and non-cash payment system are entered into the account. It should be noted that the ⁇ ⁇ / ⁇ -server 8 works with users in the frames of the sessions (the session is closely related to the ⁇ ⁇ / réelle transformer and it is related to the whole environment). For one and the same user, it is not possible to work with small sessions in the parallel, even for working with information that is not already available.
  • ⁇ me ⁇ g ⁇ , s ⁇ anda ⁇ ⁇ ⁇ / ⁇ ⁇ iz ⁇ m ⁇ zhn ⁇ is ⁇ lz ⁇ va ⁇ and ⁇ i vzaim ⁇ deys ⁇ vii m ⁇ biln ⁇ g ⁇ ⁇ ele ⁇ na 4 se ⁇ ve ⁇ m 1 av ⁇ izatsii ⁇ la ⁇ ezhey, ch ⁇ by ga ⁇ an ⁇ i ⁇ va ⁇ , ch ⁇ ⁇ la ⁇ a deys ⁇ vi ⁇ eln ⁇ ⁇ izv ⁇ di ⁇ sya imenn ⁇ with ⁇ ele ⁇ na ⁇ lz ⁇ va ⁇ elya.
  • press the user button to contact the user of the system in the informational part of the system 25 is a trigger that initiates the operation of the above service, which generates a random value, sends a message to the user and ⁇ .
  • the input of the payment is not necessary in any case, it is independent of the fact that the user is requested to pay the payment, being in the base of the payment of goods or services is not available.
  • ⁇ In any case, for transferring to the server 1 authorization of payments of pending payment, a new ⁇ ⁇ / Rhythm-connection is not necessary to install, since it is already not necessary. Greater possibilities for ensuring the security of the transmission of data are provided by mobile telephones that support the language of the Wave (_2 ⁇ ).
  • ⁇ dde ⁇ zhivayuschimi ⁇ ya would s ⁇ anda ⁇ ⁇ ⁇ / ⁇ 1.1, (only s ⁇ vsem nemn ⁇ gie of susches ⁇ vuyuschi ⁇ m ⁇ deley m ⁇ bil ny ⁇ ⁇ ele ⁇ n ⁇ v is not ud ⁇ vle ⁇ v ⁇ yayu ⁇ e ⁇ mu usl ⁇ viyu, and ⁇ azvi ⁇ iem ⁇ ele ⁇ mmuni ⁇ atsi ⁇ nny ⁇ ⁇ e ⁇ n ⁇ l ⁇ gy d ⁇ lya ⁇ a ⁇ i ⁇ m ⁇ deley, nes ⁇ mnenn ⁇ , bude ⁇ s ⁇ ascha ⁇ sya).
  • a pseudo-random code may be generated using known generation mechanisms.
  • 27 second random numbers such as , ⁇ ⁇ 9.17 ( ⁇ 85) and ⁇ 2.0 ⁇ ( ⁇ 94).
  • ⁇ e ⁇ m bl ⁇ case 15 and gene ⁇ atsii s ⁇ avneniya ⁇ sevd ⁇ sluchayny ⁇ ⁇ d ⁇ v ⁇ la ⁇ ezhny ⁇ ⁇ e ⁇ atsy ⁇ b ⁇ aschae ⁇ sya ⁇ za ⁇ minayuschemu us ⁇ ys ⁇ vu 14 in chas ⁇ n ⁇ s ⁇ i, ⁇ ⁇ blas ⁇ i ⁇ aneniya tendy ⁇ ⁇ ⁇ lucha ⁇ elya ⁇ ⁇ la ⁇ ezhey and i ⁇ sche ⁇ a ⁇ and vyzyvae ⁇ data iden ⁇ i ⁇ itsi ⁇ uyuschie ⁇ e ⁇ minal 3 u ⁇ azann ⁇ g ⁇ ⁇ lucha ⁇ elya ⁇ la ⁇ ezha.
  • the indicated scheme excludes the possibility of fraud on the basis of the substitution of information at the expense of the parties to the agreement (i.e. Substitutions may be found at the time of payment by the payer. And even if the payer didn’t pay attention to this information, he still could’t make the move to the good fraudsters, t. ⁇ .
  • the user to the mobile phone system
  • the user to the mobile phone system
  • the payment is exchangeable, the information in it in the server 2 banks is not transferred.
  • Payments are transferred from the server 1 of the payment automation in the server bank 31 Only then, when there is a complete assurance that payment must be settled (i.e.
  • the conditions of the type of payment may include the fixed value of the amount of payment or interfered with the acceptable values. Interval of values is expediently used for the payment of services, for example, a communication operator, i.e. when the user decides how much to pay. With this, the dispatch of the entered value to the preset interval is preferable to the transmission of the paid payment.
  • ⁇ i ⁇ si ⁇ vannye values m ⁇ gu ⁇ ⁇ imenya ⁇ sya for ⁇ la ⁇ y g ⁇ suda ⁇ s ⁇ venny ⁇ ⁇ shlin, sh ⁇ a ⁇ v, ⁇ ichem if neb ⁇ lshi ⁇ ⁇ azme ⁇ v ⁇ a ⁇ i ⁇ ⁇ la ⁇ ezhey amount ⁇ la ⁇ ezha m ⁇ zhe ⁇ not v ⁇ di ⁇ in s ⁇ s ⁇ av usl ⁇ vy kind ⁇ la ⁇ ezha, av ⁇ ma ⁇ iches ⁇ i ⁇ e ⁇ edavaemy ⁇ on m ⁇ bilny ⁇ ele ⁇ n 4 ⁇ lz ⁇ va ⁇ elya in ⁇ ve ⁇ on eg ⁇ za ⁇ s.
  • the registered system can be used in the consumer.

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Nitrogen And Oxygen Or Sulfur-Condensed Heterocyclic Ring Systems (AREA)

Abstract

La présente invention se rapporte à un procédé et à des systèmes de compensation permettant à des utilisateurs de dispositifs mobiles de communication électronique de réaliser des opérations de paiement. Le procédé selon l'invention consiste : à former et à enregistrer dans le serveur (1) du système selon l'invention des conditions liées au type de paiement, lesquelles comprennent au moins l'identification du destinataire des paiements, l'affectation, qui est commune pour tous les paiements d'un type donné, et une condition concernant le montant du paiement. A chaque type de paiement est associé un indice unique, que l'utilisateur saisit, par l'intermédiaire du dispositif mobile de communication électronique, avant d'effectuer le paiement, et une demande d'exécution du paiement est transmise au serveur du système en fonction de l'indice saisi. Avant l'exécution du paiement, les conditions liées audit type de paiement sont transmises, en réponse à ladite demande, du serveur du système au dispositif mobile de communication électronique (4), lesdites conditions s'affichant sur l'écran dudit dispositif mobile de communication électronique, ce qui permet à l'utilisateur de s'assurer de l'exactitude de l'indice de type de paiement saisi. Un ordre de paiement confirmé est ensuite transmis du dispositif mobile de communication électronique (4) au serveur du système (1), et, après réception dudit ordre de paiement, le paiement est réalisé, par le recours au serveur (2) de l'organisme de paiement correspondant.
PCT/RU2004/000433 2003-11-04 2004-11-02 Procede de realisation d'operations financieres par des utilisateurs de dispositifs mobiles de communication electronique, et systeme informatique de compensation permettant sa mise en oeuvre WO2005043436A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
RU2003132137 2003-11-04
RU2003132137/09A RU2263347C2 (ru) 2003-11-04 2003-11-04 Способ совершения платежных операций пользователями мобильных устройств электронной связи и компьютерная система безналичного расчета для его осуществления

Publications (1)

Publication Number Publication Date
WO2005043436A1 true WO2005043436A1 (fr) 2005-05-12

Family

ID=34545987

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/RU2004/000433 WO2005043436A1 (fr) 2003-11-04 2004-11-02 Procede de realisation d'operations financieres par des utilisateurs de dispositifs mobiles de communication electronique, et systeme informatique de compensation permettant sa mise en oeuvre

Country Status (2)

Country Link
RU (1) RU2263347C2 (fr)
WO (1) WO2005043436A1 (fr)

Cited By (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CZ299351B6 (cs) * 2007-07-26 2008-07-02 Direct Pay, S.R.O. Zpusob provádení platební transakce s využitím mobilního terminálu
CN108596715A (zh) * 2018-04-10 2018-09-28 沈文策 一种网络支付方法、装置、电子设备及可读存储介质
CN109842583A (zh) * 2017-11-24 2019-06-04 航天信息股份有限公司 一种基于json数据协议的发票开具方法和系统
US11023890B2 (en) 2014-06-05 2021-06-01 Visa International Service Association Identification and verification for provisioning mobile application
US11093936B2 (en) 2013-07-24 2021-08-17 Visa International Service Association Systems and methods for communicating token attributes associated with a token vault
US11710119B2 (en) 2013-10-11 2023-07-25 Visa International Service Association Network token system

Families Citing this family (13)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EA200600717A1 (ru) * 2006-01-23 2007-04-27 Общество С Ограниченной Ответственностью «Интерактивная Мобильная Процессинговая Компания "Мегапэй"» Способ совершения платёжной финансовой операции (варианты)
WO2007094717A1 (fr) * 2006-02-13 2007-08-23 Jacob Weitman Méthode et moyen pour délivrer, manipuler et exploiter des informations codées
US7818264B2 (en) 2006-06-19 2010-10-19 Visa U.S.A. Inc. Track data encryption
BRPI0713622A2 (pt) * 2006-06-19 2012-10-16 Visa Usa Inc métado para seguramente fornecer número de conta primário associado com um dispositivo de consumidor portátil, dispositivo de consumidor portátil, meio legìvel por computador, e, servidor
US10970777B2 (en) * 2008-09-15 2021-04-06 Mastercard International Incorporated Apparatus and method for bill payment card enrollment
DE102008051214A1 (de) * 2008-10-14 2010-04-15 T-Mobile International Ag Überweisungscodierung
KZ23589A4 (en) * 2009-04-01 2010-12-15 Shin Elena Ilinichna Method of execution of payment transaction by user of mobile devices of electron coupling and computer system of payment by check for its execution
RU2536357C2 (ru) * 2009-10-19 2014-12-20 Наталья Петровна Катина Система и способ интеграции удаленных независимых информационно-финансовых и/или платежных систем
US10255591B2 (en) * 2009-12-18 2019-04-09 Visa International Service Association Payment channel returning limited use proxy dynamic value
WO2012006628A2 (fr) * 2010-07-09 2012-01-12 Visa International Service Association Couche d'abstraction de passerelle
WO2013013192A2 (fr) * 2011-07-20 2013-01-24 Visa International Service Association Dispositif d'extension cryptographique et protocoles associés
CA2858691A1 (fr) * 2011-12-09 2013-06-13 Merchantwarehouse.Com, Llc Traitement de paiement et procedes de platement d'engagement de client, appareils et support
EP3198914A4 (fr) 2014-09-26 2018-04-11 Visa International Service Association Systèmes et procédés permettant d'identifier des dispositifs mobiles

Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
RU2146836C1 (ru) * 1998-04-13 2000-03-20 Коммерческий банк "Платина" в форме товарищества с ограниченной ответственностью Система для управления совершением сделок
RU2169437C1 (ru) * 1998-12-29 2001-06-20 Свисском Мобиле Аг Способ предоставления пользователям телекоммуникационной сети доступа к объектам
US6275693B1 (en) * 1999-11-22 2001-08-14 Motorola, Inc. Method and apparatus for performing bearer independent wireless application service provisioning
US6389541B1 (en) * 1998-05-15 2002-05-14 First Union National Bank Regulating access to digital content
RU2191482C1 (ru) * 1998-06-23 2002-10-20 Свисском Мобиле Аг Способ предложения к продаже, оформления заказов и продажи товаров и услуг
US6609150B2 (en) * 2000-03-31 2003-08-19 Siebel Systems, Inc. Web client-server system and method for incompatible page markup and presentation languages

Patent Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
RU2146836C1 (ru) * 1998-04-13 2000-03-20 Коммерческий банк "Платина" в форме товарищества с ограниченной ответственностью Система для управления совершением сделок
US6389541B1 (en) * 1998-05-15 2002-05-14 First Union National Bank Regulating access to digital content
RU2191482C1 (ru) * 1998-06-23 2002-10-20 Свисском Мобиле Аг Способ предложения к продаже, оформления заказов и продажи товаров и услуг
RU2169437C1 (ru) * 1998-12-29 2001-06-20 Свисском Мобиле Аг Способ предоставления пользователям телекоммуникационной сети доступа к объектам
US6275693B1 (en) * 1999-11-22 2001-08-14 Motorola, Inc. Method and apparatus for performing bearer independent wireless application service provisioning
US6609150B2 (en) * 2000-03-31 2003-08-19 Siebel Systems, Inc. Web client-server system and method for incompatible page markup and presentation languages

Non-Patent Citations (1)

* Cited by examiner, † Cited by third party
Title
NORENKOV I.P. ET AL.: "Telecommunikatsionnye tekhnologii i seti", 1998, MOSCOW, pages 130 *

Cited By (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CZ299351B6 (cs) * 2007-07-26 2008-07-02 Direct Pay, S.R.O. Zpusob provádení platební transakce s využitím mobilního terminálu
US11093936B2 (en) 2013-07-24 2021-08-17 Visa International Service Association Systems and methods for communicating token attributes associated with a token vault
US11915235B2 (en) 2013-07-24 2024-02-27 Visa International Service Association Systems and methods for communicating token attributes associated with a token vault
US11710119B2 (en) 2013-10-11 2023-07-25 Visa International Service Association Network token system
US11023890B2 (en) 2014-06-05 2021-06-01 Visa International Service Association Identification and verification for provisioning mobile application
US11568405B2 (en) 2014-06-05 2023-01-31 Visa International Service Association Identification and verification for provisioning mobile application
CN109842583A (zh) * 2017-11-24 2019-06-04 航天信息股份有限公司 一种基于json数据协议的发票开具方法和系统
CN108596715A (zh) * 2018-04-10 2018-09-28 沈文策 一种网络支付方法、装置、电子设备及可读存储介质

Also Published As

Publication number Publication date
RU2003132137A (ru) 2005-06-10
RU2263347C2 (ru) 2005-10-27

Similar Documents

Publication Publication Date Title
WO2005043436A1 (fr) Procede de realisation d'operations financieres par des utilisateurs de dispositifs mobiles de communication electronique, et systeme informatique de compensation permettant sa mise en oeuvre
US8239484B2 (en) Information terminal
US7035824B2 (en) Interactive system for and method of performing financial transactions from a user base
US10740807B2 (en) Systems and methods for transmission of representational image-based offers based on a tactile input
RU2156038C2 (ru) Видеотелефонная интерактивная система устройства почтового ящика и способ обработки информации
WO2004081837A1 (fr) Procede pour fournir aux utilisateurs de dispositifs mobiles de communications electroniques des informations commerciales actualisees sur une base alternative et systeme d'informations pour mettre en oeuvre ce procede
WO2000031700A1 (fr) Procede permettant d'effectuer des transactions et dispositif de mise en oeuvre de ce procede
WO2004095336A1 (fr) Procede pour effectuer des transactions bancaires en utilisant des dispositifs de communication mobiles et systeme informatique destine a sa mise en pratique
CN101772776A (zh) 具有基于位置的欺诈保护能力的金融交易系统
WO2001050424A1 (fr) Systeme et procede d'organisation des votes, referendums et sondages de l'opinion publique
GB2390211A (en) Ticket and authentication data stored on portable handset
US20090228816A1 (en) Method and system for realising on-line electronic purchase transaction between a buyer and a merchant
US20200074438A1 (en) Mobile device payment system and method
KR20000007062A (ko) 사이버 티켓 구매 시스템 및 그 구매 방법
CN103106756A (zh) 通讯方法及通讯系统
WO2002041214A1 (fr) Procede de commerce a reglement non scriptural utilisant un reseau de communications et variantes
US7017804B2 (en) Method for providing identification data of a banking card to a user
WO2001080115A1 (fr) Procede de paiement et de reception de biens et services utilisant des codes d'identification et systeme permettant la mise en oeuvre de ce procede
CN106959985A (zh) 资源分享方法和装置
US20150026042A1 (en) System and method for electronic cash-like transactions
WO2001055921A1 (fr) Systeme d'enregistrement de donnees concernant des informations personnelles et ses utilisations
KR102189507B1 (ko) 더치 페이 시스템
Kim Ubiquitous Money and Walking Banks: Environment, Technology, and Competition in Mobile Banking
WO2002046998A1 (fr) Systeme de paiement scriptural de marchandises (de travaux, de services) au moyen d'un distributeur automatique
WO2002037364A1 (fr) Procede de commerce avec paiements scripturaux utilisant un reseau de communications (et variantes)

Legal Events

Date Code Title Description
AK Designated states

Kind code of ref document: A1

Designated state(s): AE AG AL AM AT AU AZ BA BB BG BR BW BY BZ CA CH CN CO CR CU CZ DE DK DM DZ EC EE EG ES FI GB GD GE GH GM HR HU ID IL IN IS JP KE KG KP KR KZ LC LK LR LS LT LU LV MA MD MG MK MN MW MX MZ NA NI NO NZ OM PG PH PL PT RO SC SD SE SG SK SL SY TJ TM TN TR TT TZ UA UG US UZ VC VN YU ZA ZM ZW

AL Designated countries for regional patents

Kind code of ref document: A1

Designated state(s): GM KE LS MW MZ NA SD SL SZ TZ UG ZM ZW AM AZ BY KG KZ MD RU TJ TM AT BE BG CH CY CZ DE DK EE ES FI FR GB GR HU IE IS IT LU MC NL PL PT RO SE SI SK TR BF BJ CF CG CI CM GA GN GQ GW ML MR NE SN TD TG

121 Ep: the epo has been informed by wipo that ep was designated in this application
122 Ep: pct application non-entry in european phase