WO2008015637A3 - Mobile payment method and system - Google Patents

Mobile payment method and system Download PDF

Info

Publication number
WO2008015637A3
WO2008015637A3 PCT/IB2007/053018 IB2007053018W WO2008015637A3 WO 2008015637 A3 WO2008015637 A3 WO 2008015637A3 IB 2007053018 W IB2007053018 W IB 2007053018W WO 2008015637 A3 WO2008015637 A3 WO 2008015637A3
Authority
WO
WIPO (PCT)
Prior art keywords
payment
request
purchaser
server
mcd
Prior art date
Application number
PCT/IB2007/053018
Other languages
French (fr)
Other versions
WO2008015637A2 (en
Inventor
Luis Alexandre Crespo A Simoes
Original Assignee
Firstrand Bank Ltd
Luis Alexandre Crespo A Simoes
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 Firstrand Bank Ltd, Luis Alexandre Crespo A Simoes filed Critical Firstrand Bank Ltd
Publication of WO2008015637A2 publication Critical patent/WO2008015637A2/en
Publication of WO2008015637A3 publication Critical patent/WO2008015637A3/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
    • G06Q20/30—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
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • 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)
  • Finance (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

This invention relates to a method for conducting a payment using a MCD, the method comprising the steps of sending a payment request from a POS device, wherein the payment request is for authorisation of payment from a purchaser to a vendor; receiving the payment request at a server; authenticating the purchaser's identity and creditworthiness at the server; if both the purchaser's identity and creditworthiness are authenticated, sending a confirmation request from the server, wherein the confirmation request is to confirm that the payment is to be made from the purchaser to the vendor; receiving the confirmation request at the MCD; and sending a confirmation message from the MCD to the server, confirming that the payment may be made.
PCT/IB2007/053018 2006-08-02 2007-07-31 Mobile payment method and system WO2008015637A2 (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
ZA2006/05374 2006-08-02
ZA200605374 2006-08-02

Publications (2)

Publication Number Publication Date
WO2008015637A2 WO2008015637A2 (en) 2008-02-07
WO2008015637A3 true WO2008015637A3 (en) 2008-07-03

Family

ID=38997552

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/IB2007/053018 WO2008015637A2 (en) 2006-08-02 2007-07-31 Mobile payment method and system

Country Status (1)

Country Link
WO (1) WO2008015637A2 (en)

Families Citing this family (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US8595137B2 (en) * 2010-03-17 2013-11-26 Thomas M. Sears Bankcard cash disbursements at casinos
US8874467B2 (en) 2011-11-23 2014-10-28 Outerwall Inc Mobile commerce platforms and associated systems and methods for converting consumer coins, cash, and/or other forms of value for use with same
WO2013160830A1 (en) * 2012-04-23 2013-10-31 Eraman Uvir A server and mobile device for authorizing a transaction
TW201405456A (en) * 2012-07-16 2014-02-01 Chien-Kang Yang Mobile device, payment transaction system and method of payment transaction
US20140122264A1 (en) * 2012-10-25 2014-05-01 Norse Corporation Systems and methods for integrating accounting software and payment processing systems
US20170039559A1 (en) * 2015-08-07 2017-02-09 Outerwall Inc. Methods, systems, and apparatuses for payment fulfillment
US10346819B2 (en) 2015-11-19 2019-07-09 Coinstar Asset Holdings, Llc Mobile device applications, other applications and associated kiosk-based systems and methods for facilitating coin saving
JP2021077273A (en) * 2019-11-13 2021-05-20 グローリー株式会社 Cash receiving system and cash receiving method

Citations (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP1136961A1 (en) * 2000-03-24 2001-09-26 Banco Bilbao Vizcaya Argentaria S.A. System and process for remote payments and transactions in real time by mobile telephone
DE10028028A1 (en) * 2000-06-08 2001-12-13 Ernst Forster Use of mobile telephone and SMS messaging with credit card or account to make transaction
US20020029342A1 (en) * 2000-09-07 2002-03-07 Keech Winston Donald Systems and methods for identity verification for secure transactions
US20020107007A1 (en) * 2002-03-27 2002-08-08 Howard Gerson Method for wireless telephony payment and an apparatus therefor
DE10229477A1 (en) * 2002-07-01 2004-01-29 Siemens Ag Payment system for cashless payments
GB2398159A (en) * 2003-01-16 2004-08-11 David Glyn Williams Electronic payment authorisation using a mobile communications device
EP1727085A1 (en) * 2004-10-08 2006-11-29 Epps Randy Cellular telephone based payment apparatus and method for use in purchase of goods and services

Patent Citations (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP1136961A1 (en) * 2000-03-24 2001-09-26 Banco Bilbao Vizcaya Argentaria S.A. System and process for remote payments and transactions in real time by mobile telephone
DE10028028A1 (en) * 2000-06-08 2001-12-13 Ernst Forster Use of mobile telephone and SMS messaging with credit card or account to make transaction
US20020029342A1 (en) * 2000-09-07 2002-03-07 Keech Winston Donald Systems and methods for identity verification for secure transactions
US20020107007A1 (en) * 2002-03-27 2002-08-08 Howard Gerson Method for wireless telephony payment and an apparatus therefor
DE10229477A1 (en) * 2002-07-01 2004-01-29 Siemens Ag Payment system for cashless payments
GB2398159A (en) * 2003-01-16 2004-08-11 David Glyn Williams Electronic payment authorisation using a mobile communications device
EP1727085A1 (en) * 2004-10-08 2006-11-29 Epps Randy Cellular telephone based payment apparatus and method for use in purchase of goods and services

Also Published As

Publication number Publication date
WO2008015637A2 (en) 2008-02-07

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