WO2010035224A3 - A transaction method and system - Google Patents
A transaction method and system Download PDFInfo
- Publication number
- WO2010035224A3 WO2010035224A3 PCT/IB2009/054163 IB2009054163W WO2010035224A3 WO 2010035224 A3 WO2010035224 A3 WO 2010035224A3 IB 2009054163 W IB2009054163 W IB 2009054163W WO 2010035224 A3 WO2010035224 A3 WO 2010035224A3
- Authority
- WO
- WIPO (PCT)
- Prior art keywords
- customer
- linked
- msisdn
- mobile device
- transaction
- Prior art date
Links
Classifications
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- 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
-
- 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
-
- 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
-
- 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
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- 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
- G06Q20/4014—Identity check for transactions
-
- 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
Abstract
A method of and a system (1 ) for effecting a financial transaction. A customer (2.1 ) is registered using a mobile device with a SIM card having a specific MSISDN (3.1 ). A customer profile is then created and linked to the mobile device MSISDN. The customer is provided with a virtual purse (6.1 ) linked to the customer profile and enabled to use the mobile device with the linked MSISDN to transact against a balance associated with the virtual purse. The mobile phone IMEI and SIM card IMSI are stored against the customer profile on the transaction system and the MSISDN, IMEI and IMSI will be verified against a mobile phone network database before a transaction is allowed. The database is selected from a Home Location Register (HLR), Visitor Location Register (VLR) and/or Equipment Identity Register (EIR). The virtual purse may be linked to a bank account (4) of the customer.
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
NG55108 | 2008-09-23 | ||
NGNG/C/2008/551 | 2008-09-23 |
Publications (2)
Publication Number | Publication Date |
---|---|
WO2010035224A2 WO2010035224A2 (en) | 2010-04-01 |
WO2010035224A3 true WO2010035224A3 (en) | 2010-07-15 |
Family
ID=42060187
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
PCT/IB2009/054163 WO2010035224A2 (en) | 2008-09-23 | 2009-09-23 | A transaction method and system |
Country Status (1)
Country | Link |
---|---|
WO (1) | WO2010035224A2 (en) |
Families Citing this family (17)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US10134031B2 (en) | 2010-04-09 | 2018-11-20 | Paypal, Inc. | Transaction token issuing authorities |
US9400978B2 (en) | 2010-04-09 | 2016-07-26 | Paypal, Inc. | Methods and systems for selecting accounts and offers in payment transactions |
US10304051B2 (en) | 2010-04-09 | 2019-05-28 | Paypal, Inc. | NFC mobile wallet processing systems and methods |
US9208482B2 (en) | 2010-04-09 | 2015-12-08 | Paypal, Inc. | Transaction token issuing authorities |
US8380177B2 (en) | 2010-04-09 | 2013-02-19 | Paydiant, Inc. | Mobile phone payment processing methods and systems |
US10445723B2 (en) | 2010-04-09 | 2019-10-15 | Paypal, Inc. | NFC-transaction processing systems and methods |
US11887105B2 (en) | 2010-04-09 | 2024-01-30 | Paypal, Inc. | Transaction token issuing authorities |
GB2480662A (en) * | 2010-05-27 | 2011-11-30 | Global Blue Holdings Ab | Service eligibility and validation using mobile communications device identifier |
JP5791128B2 (en) * | 2010-05-27 | 2015-10-07 | グローバル ブルー エス.エー. | Method and application for location based services |
CN111476654B (en) | 2010-12-23 | 2024-03-12 | 贝宝公司 | Mobile telephone ATM processing method and system |
JP6238971B2 (en) | 2012-05-24 | 2017-11-29 | ペイパル インコーポレイテッド | Method and system for wallet membership |
WO2015123691A1 (en) * | 2014-02-14 | 2015-08-20 | Boemi Andrew A | Mobile device payment system and method |
GB2517276B (en) * | 2014-06-18 | 2015-09-30 | Validsoft Uk Ltd | Detecting porting or redirection of a mobile telephone number |
WO2016001867A2 (en) * | 2014-07-03 | 2016-01-07 | Tracopay Limited | Electronic wallet and online payments |
WO2016108783A1 (en) * | 2014-12-31 | 2016-07-07 | Turkcell Teknoloji Arastirma Ve Gelistirme A. S. | A payment system and method |
US11049096B2 (en) | 2015-12-31 | 2021-06-29 | Paypal, Inc. | Fault tolerant token based transaction systems |
CN111182521B (en) * | 2018-11-12 | 2022-07-01 | 中移(杭州)信息技术有限公司 | Internet of things terminal machine card binding, network access authentication and service authentication method and device |
Citations (5)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
EP0950968A1 (en) * | 1997-08-13 | 1999-10-20 | Matsushita Electric Industrial Co., Ltd | Mobile electronic commerce system |
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 |
WO2003009243A1 (en) * | 2001-07-19 | 2003-01-30 | W3 Infocomm Group Pte Ltd | Mobile electronic funds transfer system and method |
US6976011B1 (en) * | 1998-06-15 | 2005-12-13 | Societe Francaise Du Radiotelephone | Process for making remote payments for the purchase of goods and/or a service through a mobile radiotelephone, and the corresponding system and mobile radiotelephone |
EP1906349A1 (en) * | 2003-07-02 | 2008-04-02 | Mobipay International, S.A. | Payment and transaction system using digital mobile telephones |
-
2009
- 2009-09-23 WO PCT/IB2009/054163 patent/WO2010035224A2/en active Application Filing
Patent Citations (5)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
EP0950968A1 (en) * | 1997-08-13 | 1999-10-20 | Matsushita Electric Industrial Co., Ltd | Mobile electronic commerce system |
US6976011B1 (en) * | 1998-06-15 | 2005-12-13 | Societe Francaise Du Radiotelephone | Process for making remote payments for the purchase of goods and/or a service through a mobile radiotelephone, and the corresponding system and mobile radiotelephone |
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 |
WO2003009243A1 (en) * | 2001-07-19 | 2003-01-30 | W3 Infocomm Group Pte Ltd | Mobile electronic funds transfer system and method |
EP1906349A1 (en) * | 2003-07-02 | 2008-04-02 | Mobipay International, S.A. | Payment and transaction system using digital mobile telephones |
Also Published As
Publication number | Publication date |
---|---|
WO2010035224A2 (en) | 2010-04-01 |
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