WO2009138848A2 - Mobile commerce payment system - Google Patents
Mobile commerce payment system Download PDFInfo
- Publication number
- WO2009138848A2 WO2009138848A2 PCT/IB2009/005566 IB2009005566W WO2009138848A2 WO 2009138848 A2 WO2009138848 A2 WO 2009138848A2 IB 2009005566 W IB2009005566 W IB 2009005566W WO 2009138848 A2 WO2009138848 A2 WO 2009138848A2
- Authority
- WO
- WIPO (PCT)
- Prior art keywords
- payment
- mobile
- application
- financial institution
- communications device
- Prior art date
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
- G06Q20/326—Payment applications installed on the mobile 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
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
-
- 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
- G06Q20/085—Payment architectures involving remote charge determination or related payment 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
- G06Q20/12—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
- G06Q20/30—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]
- G06Q20/3227—Aspects of commerce using mobile devices [M-devices] using secure elements embedded in 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
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
- G06Q20/3229—Use of the SIM of a M-device as secure element
-
- 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
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/356—Aspects of software for card payments
- G06Q20/3563—Software being resident on card
-
- 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
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4012—Verifying personal identification numbers [PIN]
-
- 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
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
- G06Q20/363—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user
-
- 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
- G06Q2220/00—Business processing using cryptography
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
- H04L9/50—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols using hash chains, e.g. blockchains or hash trees
Definitions
- This invention relates to a mobile commerce system that includes a payment system whereby goods or services can be located and selected using communications between a mobile communications device and the webpage server of a supplier and wherein payment is required to be made for the selected goods or services.
- the invention relates to a mobile commerce system in which the mobile communications devices each include a unique electronic identification and processing circuit capable of encrypting data utilizing an encryption key.
- a typical unique electronic identification and processing circuit is that of the well-known SIM card that can be used in cellular telephones or other wireless communications devices for identification and encryption purposes.
- FIG. 1 a typical mobile commerce transaction developed on a mobile device is illustrated in Figure 1.
- multiple mobile devices in this instance cellular telephones (A)
- B wireless network
- C webpage servers
- A multiple mobile devices, in this instance cellular telephones
- B wireless network
- C webpage servers
- a mobile application would normally transmit the relevant data that typically includes credit or debit card or other financial account data to the webpage server or its associated payment engine using a secure TCP/IP protocol (e.g. HTTPS).
- a secure TCP/IP protocol e.g. HTTPS
- a typical mobile commerce system would thus gather the payment information from the user and then submit this data to a backend server that then connects to a payments engine. This requires that the mobile commerce provider has online connectivity to the payment engine and has implemented the often tricky interface to the payment engine.
- a mobile commerce system in which multiple wireless mobile communications devices (mobile devices) each has a unique electronic identification and processing circuit capable of encrypting data utilizing an encryption key and wherein each mobile device has a first application providing connectivity to commercial webpage servers for purposes that include the conduct of selected transactions involving a payment for goods or services and wherein the mobile device is independently enabled to conduct financial transactions in real time by communication with a financial institution, the mobile commerce system being characterized in that the mobile device further has a second application (herein termed mobile payment application) adapted to interact with the first application to receive data as to a payment required to conclude a transaction conducted by way of a commercial webpage server by way of the first application, to process such data to cause the creation of an instruction to the financial institution to make a payment to a payee designated by way of such data with the instruction being encrypted utilizing the unique electronic identification and processing circuit, wherein the encrypted instruction is transmitted to the financial institution, and a payment report is received from the financial institution.
- mobile payment application herein termed mobile payment application
- the communications device to be a mobile telephone, in particular a cellular telephone; for the unique electronic identification and processing circuit to be that of a subscriber identity module (SIM) card that typically has at least one unique encryption
- SIM subscriber identity module
- the invention also provides a mobile communications device adapted to operate as a mobile device in a system as defined above.
- the invention still further provides a method of performing a secure online commercial transaction using a mobile communications device that has a unique electronic identification and processing circuit capable of encrypting data utilizing an encryption key and wherein the mobile device has a first application providing connectivity to commercial webpage servers for purposes that include the conduct of selected transactions involving a payment for goods or services and wherein the mobile device is independently enabled to conduct financial transactions in real time by communication with a financial institution, the method comprising the steps of operating the wireless mobile communications device to connect to a commercial webpage server offering goods or services in exchange for payment therefor, selecting goods or services for which payment is required thereby initiating a transaction, and receiving information as to payment required, the method being characterized in that a second application (mobile payment application) resident on the communications device is adapted to interact with the first application to receive data containing information as to the payment required to conclude the transaction initiated by way of the commercial webpage server utilizing said first application, processing such data to cause the creation of an instruction to the financial institution to make a payment to a payee designated by way of such data wherein the instruction
- Figure 1 is a schematic illustration of a common prior art system for the payment of goods and services in a mobile commerce situation
- Figure 2 is a similar illustration of a system according to the invention.
- a mobile commerce system may include multiple wireless mobile communications devices, in this instance cellular telephones (1), each having a unique electronic identification and processing circuit capable of encrypting data utilizing an encryption key, in this instance in the form of a
- SIM card (2).
- the SIM card has at least one encryption key loaded onto it at factory level for the encryption of personal identification numbers (PINs) and, in this instance, payment details generated by the mobile payment application.
- PINs personal identification numbers
- the SIM card can thus be
- P1825PC00MobilePayment 2009/05/12 used to sign the transaction using hardware algorithms in the SIM and security keys that reside thereon. Encryption of this nature renders a transaction significantly more secure than payments utilising existing expedients of online stores and booking applications according to the prior art.
- Each mobile device has a browser in the form of a first software application providing connectivity by way of a wireless network (3) to commercial web page servers (4) for purposes that include the conduct of selected transactions involving a payment for goods or services in well known manner.
- Each mobile device is independently enabled to conduct financial transactions in real time by communication with a financial institution, and whilst there are various possibilities, applicant prefers that their own cellular telephone-based banking system promoted under the trade mark FUNDAMOTM be employed.
- each mobile device further has a second software application in the form of a mobile payment application adapted to interact with the first application to receive data as to a payment required by a commercial webpage server (4) for completion of a transaction implemented by way of the first application.
- a second software application in the form of a mobile payment application adapted to interact with the first application to receive data as to a payment required by a commercial webpage server (4) for completion of a transaction implemented by way of the first application.
- Such interaction may take place by way of a plugin written for the browser that connects to the mobile device in any suitable or appropriate manner.
- the mobile payment application is adapted to process such data to create an instruction to the financial institution to make a payment to a payee designated by the webpage server and to encrypt the instruction utilizing the encryption key present in the SIM card so that an encrypted instruction is transmitted to a co-operant backend server (5) that operates in concert with a financial institution (6). This is done by using the 3DES algorithm and a key that was earlier provisioned onto the SIM by the
- the mobile payment application is thus a software application that resides on the mobile device alongside other applications. It has an open application programming interface (API) that takes payment details and prompts the user to enter a personal identification number (PIN).
- API application programming interface
- the details can be sent to the application either from another application on the phone or via another connection method from an application that does not reside on the phone. Examples of this are from a retail till, point-of-sales device or from another mobile device. Where the application submitting the details does not reside on the mobile device the payment details could be sent using a number of different wireless communication methods such as SMS, Wi-Fi and Bluetooth.
- the payment details would normally include the identifier of the application sending the request, payment amount and payment reference.
- the mobile payment application would then display to the user the payment details and ask the user to verify the payment by entering a PIN.
- This PIN may then be used to sign the payment using ISO PIN encryption algorithms and a secure key that resides on the SIM card.
- the payment details are then sent from the mobile payment application to the cooperant backend server.
- the payment application associated with the backend server is adapted to send a payment report, either successful or unsuccessful, to the relevant mobile device and the mobile payment application on the mobile device, if the payment is successful, is adapted to transmit a payment report to the webpage server in order to conclude the transaction.
- the backend server could be adapted to transmit a successful payment report directly to the webpage server in order to enhance the confidence in the report.
- the size of the online store or booking application is reduced by removing the payment portion from the application.
- a single payment application of this nature that all the online stores and booking systems can use will greatly reduce the space restrictions on the mobile device.
- a system according to the invention will communicate with a backend application that resides in the user's country and there are significant advantages to this, particularly in terms of checking user balances and user PIN's. Also, transactions conducted using a system of this invention can be carried out in real time thereby obviating any difficulties associated with subsequent clearing in batches of accumulated transactions.
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- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- Accounting & Taxation (AREA)
- General Business, Economics & Management (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Finance (AREA)
- Computer Networks & Wireless Communication (AREA)
- Computer Security & Cryptography (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Telephonic Communication Services (AREA)
- Management, Administration, Business Operations System, And Electronic Commerce (AREA)
Abstract
Description
Claims
Priority Applications (7)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US12/992,403 US9280769B2 (en) | 2008-05-14 | 2009-05-12 | Mobile commerce payment system |
BRPI0912714A BRPI0912714A2 (en) | 2008-05-14 | 2009-05-12 | mobile trading system, mobile communications device, and method for securely making a real-time business transaction |
EP09746143A EP2304663A2 (en) | 2008-05-14 | 2009-05-12 | Mobile commerce payment system |
AU2009247677A AU2009247677B2 (en) | 2008-05-14 | 2009-05-12 | Mobile commerce payment system |
US15/009,501 US10489782B2 (en) | 2008-05-14 | 2016-01-28 | Mobile commerce payment system |
US15/009,573 US10489783B2 (en) | 2008-05-14 | 2016-01-28 | Mobile commerce payment system |
US16/656,069 US11481767B2 (en) | 2008-05-14 | 2019-10-17 | Mobile commerce payment system |
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
ZA2008/04181 | 2008-05-14 | ||
ZA200804181 | 2008-05-14 |
Related Child Applications (3)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
US12/992,403 A-371-Of-International US9280769B2 (en) | 2008-05-14 | 2009-05-12 | Mobile commerce payment system |
US15/009,573 Continuation US10489783B2 (en) | 2008-05-14 | 2016-01-28 | Mobile commerce payment system |
US15/009,501 Continuation US10489782B2 (en) | 2008-05-14 | 2016-01-28 | Mobile commerce payment system |
Publications (2)
Publication Number | Publication Date |
---|---|
WO2009138848A2 true WO2009138848A2 (en) | 2009-11-19 |
WO2009138848A3 WO2009138848A3 (en) | 2010-11-25 |
Family
ID=41319111
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
PCT/IB2009/005566 WO2009138848A2 (en) | 2008-05-14 | 2009-05-12 | Mobile commerce payment system |
Country Status (6)
Country | Link |
---|---|
US (4) | US9280769B2 (en) |
EP (1) | EP2304663A2 (en) |
AU (1) | AU2009247677B2 (en) |
BR (1) | BRPI0912714A2 (en) |
WO (1) | WO2009138848A2 (en) |
ZA (1) | ZA200903256B (en) |
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EP3033725A1 (en) * | 2013-08-15 | 2016-06-22 | Visa International Service Association | Secure remote payment transaction processing using a secure element |
US10454693B2 (en) | 2009-09-30 | 2019-10-22 | Visa International Service Association | Mobile payment application architecture |
US10484345B2 (en) | 2014-07-31 | 2019-11-19 | Visa International Service Association | System and method for identity verification across mobile applications |
US10489782B2 (en) | 2008-05-14 | 2019-11-26 | Visa International Service Association | Mobile commerce payment system |
US10607212B2 (en) | 2013-07-15 | 2020-03-31 | Visa International Services Association | Secure remote payment transaction processing |
US10817875B2 (en) | 2013-09-20 | 2020-10-27 | Visa International Service Association | Secure remote payment transaction processing including consumer authentication |
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US11257080B2 (en) | 2007-05-04 | 2022-02-22 | Michael Sasha John | Fraud deterrence for secure transactions |
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WO2013046062A1 (en) * | 2011-09-30 | 2013-04-04 | Turkcell Teknoloji Arastirma Ve Gelistirme Anonim Sirketi | A mobile financial transaction system and method |
US8620805B2 (en) | 2012-03-27 | 2013-12-31 | Citicorp Credit Services, Inc. | Methods and systems for processing payments globally over one of a plurality of processing paths |
US20130346317A1 (en) * | 2012-06-26 | 2013-12-26 | Tareq Augustino Korkis | Personal Communications Applications, Devices and Systems |
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CN113535382A (en) * | 2016-12-23 | 2021-10-22 | 创新先进技术有限公司 | Resource processing method and device |
US10887741B1 (en) * | 2020-03-17 | 2021-01-05 | Sprint Communications Company L.P. | Activation communication addresses of internet of things devices |
US11115810B1 (en) | 2020-03-17 | 2021-09-07 | Sprint Communications Company L.P. | Bootstrap electronic subscriber identity module configuration |
US11102646B1 (en) | 2020-03-17 | 2021-08-24 | Sprint Communications Company L.P. | Triggering electronic subscriber identity module activation |
US11140543B1 (en) | 2020-05-21 | 2021-10-05 | Sprint Communications Company L.P. | Embedded subscriber identity module (eSIM) profile adaptation based on context |
US11190985B1 (en) | 2020-05-28 | 2021-11-30 | Sprint Communications Company L.P. | Internet of things (IoT) devices wireless communication service management platform |
US11310654B1 (en) | 2020-09-16 | 2022-04-19 | Sprint Communications Company L.P. | Electronic subscriber identity module (eSIM) profile delivery and activation system and methods |
US11477636B1 (en) | 2020-09-16 | 2022-10-18 | Sprint Communications Company L.P. | Electronic subscriber identity module (eSIM) profile provisioning |
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-
2009
- 2009-05-12 BR BRPI0912714A patent/BRPI0912714A2/en not_active IP Right Cessation
- 2009-05-12 AU AU2009247677A patent/AU2009247677B2/en active Active
- 2009-05-12 US US12/992,403 patent/US9280769B2/en active Active
- 2009-05-12 WO PCT/IB2009/005566 patent/WO2009138848A2/en active Application Filing
- 2009-05-12 EP EP09746143A patent/EP2304663A2/en not_active Withdrawn
- 2009-05-12 ZA ZA200903256A patent/ZA200903256B/en unknown
-
2016
- 2016-01-28 US US15/009,501 patent/US10489782B2/en active Active
- 2016-01-28 US US15/009,573 patent/US10489783B2/en active Active
-
2019
- 2019-10-17 US US16/656,069 patent/US11481767B2/en active Active
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Cited By (22)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
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US9280769B2 (en) | 2016-03-08 |
US11481767B2 (en) | 2022-10-25 |
BRPI0912714A2 (en) | 2015-10-13 |
ZA200903256B (en) | 2010-06-30 |
AU2009247677A1 (en) | 2009-11-19 |
US20200065804A1 (en) | 2020-02-27 |
US20110246374A1 (en) | 2011-10-06 |
US20160148203A1 (en) | 2016-05-26 |
EP2304663A2 (en) | 2011-04-06 |
US20160148204A1 (en) | 2016-05-26 |
AU2009247677B2 (en) | 2014-09-04 |
WO2009138848A3 (en) | 2010-11-25 |
US10489782B2 (en) | 2019-11-26 |
US10489783B2 (en) | 2019-11-26 |
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