WO2008080173A3 - Systems and methods for mobile payment - Google Patents

Systems and methods for mobile payment Download PDF

Info

Publication number
WO2008080173A3
WO2008080173A3 PCT/US2007/088867 US2007088867W WO2008080173A3 WO 2008080173 A3 WO2008080173 A3 WO 2008080173A3 US 2007088867 W US2007088867 W US 2007088867W WO 2008080173 A3 WO2008080173 A3 WO 2008080173A3
Authority
WO
WIPO (PCT)
Prior art keywords
mobile payment
systems
methods
card
initially concealed
Prior art date
Application number
PCT/US2007/088867
Other languages
French (fr)
Other versions
WO2008080173A2 (en
Inventor
Joseph Leo Moreno
Original Assignee
Joseph Leo Moreno
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 Joseph Leo Moreno filed Critical Joseph Leo Moreno
Priority claimed from US11/964,690 external-priority patent/US20090171837A1/en
Publication of WO2008080173A2 publication Critical patent/WO2008080173A2/en
Publication of WO2008080173A3 publication Critical patent/WO2008080173A3/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
    • G06Q20/08—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
    • G06Q20/22—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
    • G06Q20/325—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
    • 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

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)
  • Mobile Radio Communication Systems (AREA)

Abstract

Mobile payment methods and systems using Short Message System (SMS) messages include a card distribution point with a plurality of mobile payment cards, each card having an initially concealed card code, an initially concealed confirmation number, and a plurality of initially concealed Transfer Authorization Numbers (TANs), a payor device, a payee device, a merchant device, and a mobile payment system server.
PCT/US2007/088867 2006-12-24 2007-12-26 Systems and methods for mobile payment WO2008080173A2 (en)

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
US87182706P 2006-12-24 2006-12-24
US60/871,827 2006-12-24
US11/964,690 US20090171837A1 (en) 2007-12-26 2007-12-26 Systems and methods for mobile payment
US11/964,690 2007-12-26

Publications (2)

Publication Number Publication Date
WO2008080173A2 WO2008080173A2 (en) 2008-07-03
WO2008080173A3 true WO2008080173A3 (en) 2008-08-28

Family

ID=39563269

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2007/088867 WO2008080173A2 (en) 2006-12-24 2007-12-26 Systems and methods for mobile payment

Country Status (1)

Country Link
WO (1) WO2008080173A2 (en)

Families Citing this family (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
DE102008059351A1 (en) * 2008-11-27 2010-06-02 Giesecke & Devrient Gmbh Procedure for securing transactions
GB2479366A (en) * 2010-04-07 2011-10-12 Avienus Ltd Payment using mobile telephone
CN110213458B (en) * 2019-05-31 2022-08-26 腾讯科技（深圳）有限公司 Image data processing method and device and storage medium

Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20010037264A1 (en) * 2000-04-26 2001-11-01 Dirk Husemann Payment for network-based commercial transactions using a mobile phone
US20020075848A1 (en) * 2000-12-20 2002-06-20 Lumsden John E. Local switch attached telephony access node

Patent Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20010037264A1 (en) * 2000-04-26 2001-11-01 Dirk Husemann Payment for network-based commercial transactions using a mobile phone
US20020075848A1 (en) * 2000-12-20 2002-06-20 Lumsden John E. Local switch attached telephony access node

Also Published As

Publication number Publication date
WO2008080173A2 (en) 2008-07-03

Similar Documents

Publication Publication Date Title
WO2008061151A3 (en) Mobile-to-mobile payment system and method
US8559987B1 (en) Wireless bidirectional communications between a mobile device and associated secure element
WO2009055719A3 (en) Payment transaction using mobile phone as relay
WO2008030397A3 (en) Payment systems and methods
TW200802161A (en) System and method for facilitating transaction over a communication network
WO2007038743A3 (en) Device, system and method for reducing an interaction time for a contactless transaction
WO2012151251A3 (en) Method and system for facilitating person-to person payments
WO2008112402A8 (en) Account information lookup systems and methods in mobile commerce
WO2009009508A3 (en) Method and system for delivery of targeted information based on a user profile in a mobile communication device
WO2007123856A3 (en) Methods and systems for secure transactions with electronic devices
WO2011159483A3 (en) Techniques to verify location for location based services
EP2122557A4 (en) Systems and method for secure wireless payment transactions
WO2010036677A3 (en) Systems and methods for sorting alert and offer messages on a mobile device
GB2465724A (en) Mobile remittances/payments
WO2010117567A3 (en) Virtual terminal for mobile devices
WO2011019660A3 (en) Systems and methods for enrolling users in a payment service
WO2012027694A3 (en) Account number based bill payment platform apparatuses, methods and systems
EP2070035A4 (en) Systems and methods for transferring funds from a sending account
WO2009154867A3 (en) Handling payment receipts with a receipt store
AP2011005662A0 (en) Systems, methods, and computer readable media for payment and non-payment virtual card transfer between mobile devices.
WO2011082125A3 (en) Retail sale money transfer system
ID29692A (en) SYSTEM AND PROCESS FOR PAYMENT AND TRANSACTION OF DISTANCE DISTANCE IN REAL TIME WITH MOVING PHONE
WO2009069905A3 (en) System for mobile payment service using phone number and method thereof
MX2008000629A (en) Identity verification switch.
CN103503038A (en) Method and system for verifying transactor identity on ATM

Legal Events

Date Code Title Description
121 Ep: the epo has been informed by wipo that ep was designated in this application

Ref document number: 07866043

Country of ref document: EP

Kind code of ref document: A2

NENP Non-entry into the national phase

Ref country code: DE

122 Ep: pct application non-entry in european phase

Ref document number: 07866043

Country of ref document: EP

Kind code of ref document: A2