WO2006021221A1 - Procede de paiements et de transferts de moyens financiers utilisant les communications mobiles - Google Patents

Procede de paiements et de transferts de moyens financiers utilisant les communications mobiles Download PDF

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Publication number
WO2006021221A1
WO2006021221A1 PCT/EA2005/000003 EA2005000003W WO2006021221A1 WO 2006021221 A1 WO2006021221 A1 WO 2006021221A1 EA 2005000003 W EA2005000003 W EA 2005000003W WO 2006021221 A1 WO2006021221 A1 WO 2006021221A1
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WO
WIPO (PCT)
Prior art keywords
subscriber
omc
jic
mobile
payment
Prior art date
Application number
PCT/EA2005/000003
Other languages
English (en)
Russian (ru)
Inventor
Valeri Mikhailovich Abramson
Dmitry Nikolaevich Bragin
Original Assignee
Mayfair Court Consultants
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 Mayfair Court Consultants filed Critical Mayfair Court Consultants
Publication of WO2006021221A1 publication Critical patent/WO2006021221A1/fr

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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]
    • 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
    • G06Q20/326—Payment applications installed on the mobile devices

Definitions

  • the present invention relates to mobile communications, and more particularly to means for enabling financial transactions through mobile communications.
  • a known method of making payments for goods and services using mobile communications A known method of making payments for goods and services using mobile communications.
  • CJSC Mobile Payments Service Center (www.simm former.ru) - payment for goods and services using a special SIM card (Subscriber ID Module) from the buyer's bank account to the seller’s bank account.
  • the subscriber’s money is not debited from his personal account, which he has with the mobile operator.
  • the buyer (mobile phone subscriber) and the seller (store, restaurant, etc.) must open special accounts at certain banks, as well as have a special SIM card in their phone.
  • the system is monitored by the company itself, and not by the mobile operator. It requires buyers and sellers to fulfill certain conditions (the presence of a special SIM card, the presence of a certain model of telephone, the opening of bank accounts in certain banks), which are not available everywhere, i.e. not everywhere there are authorized banks and / or not everywhere you can buy a special SIM card and / or the subscriber does not want to purchase a specific phone model. Analysis of known sources does not allow you to choose the closest analogue to the proposed method.
  • the technical task of the invention is the ability to make payments and money transfers via mobile communications by its subscribers.
  • the technical result is achieved by the fact that in the method of payments and money transfers via mobile communication using personal accounts of mobile subscribers, the subscriber transmits data from the mobile phone via the mobile radio network to the automatic service system of the mobile operator, which receives information transmitted by the subscriber, subscriber identification processes the information received, the results of processing produces' financial transactions with monetary accounts facial abo of mobile communications and / or with cash from other accounts of individuals and / or legal entities.
  • the subscriber’s personal account can be a credit account, that is, money can be received from various sources, for example, from other bank accounts, credit cards, etc.
  • OMC Mobile Communications Operator
  • OMC a company or group of companies providing mobile (cellular) communication services
  • composition of OMC may include any number of independent and / or subsidiaries engaged in all types of business activities (technical support, financial, trading, etc.), necessary in the aggregate to provide, ultimately, mobile (cellular) communication services for customers (subscribers).
  • AMC Mobile Communications Subscriber, individual or legal entity using OMC services.
  • JIC AMC account. JIC is designed to record AMC income and expenditure. For different OMCs, the very name “LC” can be different, for example, “settlement account”, “personal account”, “account” and so on, which does not change its purpose. Each AMC has a JIC from OMC.
  • BS - OMC Billing System a system for recording cash flows (receipts and expenditures) at JIC AMC. Any OMC has such a system.
  • Seller The seller (supplier) of goods and services - the recipient of funds for goods sold and / or services rendered in any country in the world.
  • the seller can be any state, public and private organizations, companies, banks, shops, utilities, restaurants, taxis, etc., i.e. any legal entities and individuals who have the right to sell goods and / or provide services and receive money for this, without limiting the country of residence and registration of the Seller.
  • Any Seller may be AMC.
  • Buyer - Buyer of goods and services a payer of money for purchased goods and / or services in any country in the world.
  • the buyer can be any state, public and private organizations, companies, banks, shops, utilities, restaurants, taxis, etc., i.e. any legal entities and individuals who are entitled to buy goods and / or services and pay money for this, without limiting the country of residence and registration of the Buyer.
  • Any Buyer may be AMC.
  • ACC OMC Automatic Service System.
  • OMC 5 the automatic system OMC 5 which receives and processes incoming calls from AMC.
  • any OMC has various own numbers
  • ACC performs the necessary actions in order to provide AMC the service he needs. For example, AMC, by calling a specific number in the ACC, can get information about the state of its JIC (ACC determines the AMC number, that is, identifies the subscriber and has access to the AMC JIC), receive a file with a melody or other format on the storage device of its phone send SMS to any number
  • SIM Subscriber Identity Module
  • SMS Short Messenger Service
  • Step Ns 1 - A dials a specific character sequence and sends it (as a call) to a specific ACC OMC number.
  • the following is an Example N ° l.l of dialing to translate the sum "S" from AA (i) to AA (k).
  • a (i) disconnects from the ACC.
  • Step NQ5 - The ACC sends an A (k) SMS message stating that the sum "S” has arrived on its LAN. This message contains the telephone number A (i), the amount "S", the Latin letters "OK”, respectively. SMS message, for example, looks like this: 7 095 987 65 43 1567-89 OK
  • Step JVg ⁇ - ACC sends an A (i) SMS message about the successful transfer, which contains the phone number A (k), "S” (rub-cop), Latin letters “OK", respectively.
  • An SMS message looks like this:
  • the sender sees how much and to whom it was transferred from his JIC.
  • an SMS message for example, looks like this:
  • N ⁇ - phone number of A (k) - the recipient of funds. N3 70951234567
  • the sender dials the following sequence of characters on his phone: 01234 * 111111 * 70951234567 * 1567 # 89 ## ⁇ dispatch key>
  • Example JV ° 2 Active payment method By the active method of making payments, we mean the way in which the Buyer independently transfers funds from his JIC to the Seller’s JIC (Fig. 2).
  • FIG. 2 circles with numbers inside indicate the sequence of each step. The following is a description of each step in the operation of this circuit.
  • Step N ° 1 -
  • the seller makes a call to a specific ACC OMC number. After waiting for a response from the ACC that the call has been accepted, the Seller disconnects from the ACC. Next, the ACC, having determined the subscriber’s number, generates a payment descriptor for it (hereinafter “D”) and a payment key (hereinafter “K”).
  • D a payment descriptor for it
  • K a payment key
  • Step N ° 2 - ACC sends the Seller an SMS message containing two digits, "D" and "K", respectively, for example, an SMS message looks like this: 1234
  • Step N ° 3 - the Seller informs the Buyer of 3 parameters of the forthcoming payment, namely: Seller’s JIC number, “D”, purchase amount (hereinafter “S”)
  • JMM step - The buyer makes a payment, that is, he dials a certain sequence of characters and sends it (in the form of a call) to a specific ACC OMC number.
  • the following is Example N22.1 of dialing to pay the amount "S".
  • the Buyer disconnects from the ACC.
  • Step N-> 5 - ACC having received all the necessary payment parameters and determining the number of the subscriber (Buyer), “gives the team” OMC BS to write off the “S” amount from the Buyer's JIC and crediting it to the Seller’s JIC.
  • Step N_> 6 - OMC BS deducts the amount "S" from the Buyer's JIC and credits it to the Seller's JIC.
  • Step N ° 7 - The OMC BS “checks” ACC that the payment of the amount “S” with the parameters D and “K” has been completed successfully.
  • Step N ° 8 - ACC sends the Seller an SMS message about a successful payment, which contains "D", “K”, “S” (rub-kop), Latin letters “OK”, respectively.
  • An SMS message for example, looks like this: 1234
  • an SMS message for example, looks like this:
  • Nl - OMC number for making payments. This number, for example, may be different for different types of currencies, that is, for each type of currency its own number.
  • N2 is the password for AMC access to its JIC.
  • N2 111111 NZ - the Seller’s JIC number, which, for example, the Buyer can see at the cash desk of the store.
  • the Seller’s JIC his mobile number may be used.
  • N ⁇ 2222222 N4 - payment descriptor "D" (purchase number).
  • the cashier informs the Buyer of the purchase number at the time of payment for the goods.
  • N5 the amount of "S" (RUB cop.) - the value of the purchased goods.
  • N5 1567 # 89 (1567 rub. 89 kopecks)
  • Step N ° 8 Only the Seller knows this key and keeps it secret in order to know that the SMS message about the payment made (Step N ° 8) was sent to him precisely from the ACC, and not by an unauthorized person.
  • the seller must indicate JIC and "D" on the invoice for payment.
  • the Buyer has the opportunity to make the payment correctly, knowing the Seller’s JIC and the “D” payment.
  • the seller has the ability to identify the payment, i.e. determine from which payer received the funds, since in the Seller’s database each “D” corresponds to complete information about the payment made (name of the payer, address, for what period the payment was made, type of service provided, etc.).
  • Each Seller himself determines what information should correspond to each “D” in his database, administers this database and generates a “D” for each of his payment accounts.
  • the Seller In order for the Seller to find out which specific invoice has been paid, he must make a request in OMC BS and receive information about the paid "D" descriptors. JYaZ example
  • Step NgI Step - The Buyer tells the Seller his phone number (or his JIC number).
  • Step Ns2 - The seller dials a specific sequence of characters and sends it (as a call) to a specific ACC OMC number. The following is an Example N ° 3.1 of dialing to debit the amount "S" from the Buyer's JIC. After waiting for a response from ACC 5 that the call is accepted, the Seller disconnects from ACC.
  • Step N_> 3 - ACC having received the Buyer JIC from the Seller, the amount "S" and determining the subscriber (Seller) number, generates a payment descriptor "D” and transfers all the necessary parameters (Buyer JIC, amount "S", the Seller JIC, payment descriptor “D”) in OMC BS for debiting the “S” amount from the Buyer's JIC and crediting it to the Seller's JIC. On this OMC BS step becomes “waiting mode)) and awaits confirmation from the Buyer (Step Ns7).
  • Step JYs4 - After generating the payment descriptor "D", the ACC sends an SMS message to the Seller, which contains the payment descriptor "D".
  • an SMS message for example, looks like this: 1234.
  • Step N ° 5 The seller informs the Buyer of the payment descriptor "D".
  • JSCs step - The buyer dials a specific sequence of characters and sends it (as a call) to a specific ACC OMC number.
  • the following is an Example N ° 3.2 of dialing such a number.
  • Step N ° 7 - ACC checking the Buyer's access password, receiving the payment descriptor “D” from him and determining his phone number (and hence the JIC number), transfers these two parameters (JIC number and payment descriptor “D”) to the OMC BS.
  • Step N ° 8 - OMC BS compares the parameters (Buyer's JIC number and payment descriptor "D") received from the Seller (Step N ° 3) with the parameters (Buyer JIC number and payment descriptor "D”) received from the Buyer (Step N ° 7). If the parameters match, then OMC BS deducts the "S" amount from the Buyer's JIC and credits it to the Seller's JIC.
  • Step JNg9 The OMC BS “operates” ACC 5 that the debit of the “S” amount from the Buyer's JlC and its crediting to the Seller’s JIC has been successfully completed.
  • Step JVgIQ - ACC sends the Seller an SMS message about a successful payment, which contains "D", "S” (rub-kop), Latin letters "OK", respectively.
  • An SMS message looks like this: 1234 1567-89 OK In case the payment cannot be made successfully (for example,
  • an SMS message looks like this:
  • Nl - OMC number for making payments. This number, for example, may be different for different types of currencies, that is, for each type of currency its own number.
  • TCH2 111111 NZ - Buyer's phone number.
  • N4 the amount of "S" (rub. Cop.) - the value of the purchased goods.
  • N4 1567 # 89 (1567 rub. 89 kopecks)
  • Nl - OMC number for making payments. This number, for example, may be different for different types of currencies, that is, for each type of currency its own number.
  • Nl 01234 (number for payment in rubles)
  • N2 - password for the Buyer's access to his JIC.
  • N2 111111
  • AOMC - OMC “registered” account to which funds debited from JIC subscribers are credited. Physically, it may not be and on the diagram it is given formally so that it is clearly visible that the funds are debited from the subscriber's JIC.
  • circles with numbers inside indicate the sequence of each step. The following is a description of each step in the operation of this circuit.
  • Step N ° 1 - A (i) sends a specific character sequence (as a ringtone) to a specific OMC ACC number.
  • the following is an Example of Ns4.1 dialing to transfer the sum "S" from AA (i) to AP (i). After waiting for a response from the ACC that the call is accepted, A (i) disconnects from the ACC.
  • Step Jfe ⁇ - OMC BS deducts the amount "S” from AA (i).
  • Communicaticating with the Raul system transfers these parameters and gives the command to transfer the sum“ S ””.
  • Raul system provides the ability to automatically carry out such transfers from one account to another.
  • RaUral provides appropriate software that can be flexibly configured for various needs (including those described) on the client side, i.e., in this case, on the OMC side.
  • the client should have access to the Internet, since the exchange of data between the RaUral system and the client is carried out mainly via the HTTPS protocol or through its own RaUral protocols.
  • the OMC BS when installing the appropriate software, can exchange data with RaUral automatically.
  • the Raul system provides its clients with ample opportunities to manage their own accounts. Step N ° 5 - the RaUral system, having received the transfer parameters, writes off the amount "S" from AP (k) and credits it to AP (i).
  • Step N ° 6 - the RaUral system transmits information on the completion of the operation to the OMC BS.
  • Step N ° 7 - OMC BS transmits completion information to the ACC.
  • Step JNs8 - ACC sends an A (i) SMS message about the successful transfer, which contains the account AP (i), "S” (dollar-cent), Latin letters "OK", respectively.
  • An SMS message for example, looks like this: 123456789 67-89 OK
  • the sender sees how much was transferred from his JIC and to whose account.
  • the transfer cannot be carried out successfully (for example, A (i) does not have sufficient funds in its JIC to carry out transfer)
  • the ACC sends an A (i) SMS message about the impossibility of the transfer.
  • an SMS message looks like this:
  • AMC can transfer funds from its JlC OMC not only to its account in the Raul system, but also to the account of any other client of this system. It is enough to know only the account of the recipient in the Raul system, while the receiver (client of the Raul system) does not have to be an OMC subscriber, it is only necessary for them to be the sender.
  • Nl - OMC number for transferring funds to the RaUral system.
  • Nl 01234 (payment number in dollars)
  • the specialist understands that all or any part of the subscriber’s identification information (for example, the subscriber’s access password to JlC, personal account number, etc.) can be stored on any external media, for example, on plastic cards and transferred to ACC OMC at the time of payment using well-known devices. reading and transmitting information used, for example, to make payments from credit / debit cards.
  • the plastic card with the subscriber’s identification information is no different from ordinary plastic credit / debit cards (in the sense of financial transactions), except that financial transactions are performed on the personal account of a mobile subscriber.

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  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Telephonic Communication Services (AREA)
  • Mobile Radio Communication Systems (AREA)

Abstract

L'invention appartient au domaine des moyens de communications mobiles et plus particulièrement des moyens pour assurer la possibilité d'effectuer des opérations financières utilisant les communications mobiles. L'invention vise à assurer la possibilité d'effectuer des paiements et des transferts de fonds aux abonnés des communications mobiles en utilisant les communications mobiles. Selon l'invention, un abonné utilise son téléphone portable pour transmettre des données via le réseau radio des communications mobiles à destination d'un système automatique de services d'un opérateur de réseau mobile, qui effectue la réception des informations transmises par l'abonné, l'identification de l'abonné, traite les informations reçues, effectue, sur la base des résultats du traitement, des opérations financières avec les moyens financiers des comptes personnels des abonnés du réseau mobile et/ou avec les moyens financiers d'autres comptes de personnes physiques et/ou juridiques.
PCT/EA2005/000003 2004-08-24 2005-08-16 Procede de paiements et de transferts de moyens financiers utilisant les communications mobiles WO2006021221A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
EA200401074A EA200401074A1 (ru) 2004-08-24 2004-08-24 Способ платежей и переводов денежных средств посредством мобильной связи
EA200401074 2004-08-24

Publications (1)

Publication Number Publication Date
WO2006021221A1 true WO2006021221A1 (fr) 2006-03-02

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Application Number Title Priority Date Filing Date
PCT/EA2005/000003 WO2006021221A1 (fr) 2004-08-24 2005-08-16 Procede de paiements et de transferts de moyens financiers utilisant les communications mobiles

Country Status (2)

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EA (1) EA200401074A1 (fr)
WO (1) WO2006021221A1 (fr)

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP0708547A2 (fr) * 1994-09-22 1996-04-24 AT&T Corp. Téléphone cellulaire utilisé comme contrÔleur de transaction authentifié
EP0848360A1 (fr) * 1996-12-11 1998-06-17 BRITISH TELECOMMUNICATIONS public limited company Système d'authentification de transferts de fonds électroniques
WO2003094083A2 (fr) * 2002-04-29 2003-11-13 Krasimir Nikolaev Popov Procede de paiement financier et son dispositif de realisation

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP0708547A2 (fr) * 1994-09-22 1996-04-24 AT&T Corp. Téléphone cellulaire utilisé comme contrÔleur de transaction authentifié
EP0848360A1 (fr) * 1996-12-11 1998-06-17 BRITISH TELECOMMUNICATIONS public limited company Système d'authentification de transferts de fonds électroniques
WO2003094083A2 (fr) * 2002-04-29 2003-11-13 Krasimir Nikolaev Popov Procede de paiement financier et son dispositif de realisation

Also Published As

Publication number Publication date
EA006625B1 (ru) 2006-02-24
EA200401074A1 (ru) 2006-02-24

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