WO2010056207A2 - Procede et systeme de facturation mobile sans papier et collecte de paiements - Google Patents

Procede et systeme de facturation mobile sans papier et collecte de paiements Download PDF

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Publication number
WO2010056207A2
WO2010056207A2 PCT/SG2009/000423 SG2009000423W WO2010056207A2 WO 2010056207 A2 WO2010056207 A2 WO 2010056207A2 SG 2009000423 W SG2009000423 W SG 2009000423W WO 2010056207 A2 WO2010056207 A2 WO 2010056207A2
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WO
WIPO (PCT)
Prior art keywords
payment
bill
mobile device
mobile
packet
Prior art date
Application number
PCT/SG2009/000423
Other languages
English (en)
Other versions
WO2010056207A3 (fr
Inventor
Chong Beng Yap
Original Assignee
Chong Beng Yap
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 Chong Beng Yap filed Critical Chong Beng Yap
Publication of WO2010056207A2 publication Critical patent/WO2010056207A2/fr
Publication of WO2010056207A3 publication Critical patent/WO2010056207A3/fr

Links

Classifications

    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
    • H04W4/24—Accounting or billing
    • 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
    • G06Q20/04—Payment circuits
    • 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
    • G06Q20/14—Payment architectures specially adapted for billing 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
    • G06Q20/32—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
    • G06Q30/00—Commerce
    • G06Q30/04—Billing or invoicing
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L12/00—Data switching networks
    • H04L12/02—Details
    • H04L12/14—Charging, metering or billing arrangements for data wireline or wireless communications
    • H04L12/1442—Charging, metering or billing arrangements for data wireline or wireless communications at network operator level
    • H04L12/1446—Charging, metering or billing arrangements for data wireline or wireless communications at network operator level inter-operator billing
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L12/00—Data switching networks
    • H04L12/02—Details
    • H04L12/14—Charging, metering or billing arrangements for data wireline or wireless communications
    • H04L12/1453—Methods or systems for payment or settlement of the charges for data transmission involving significant interaction with the data transmission network
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W12/00—Security arrangements; Authentication; Protecting privacy or anonymity
    • H04W12/03—Protecting confidentiality, e.g. by encryption
    • H04W12/033—Protecting confidentiality, e.g. by encryption of the user plane, e.g. user's traffic
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/16—Implementing security features at a particular protocol layer
    • H04L63/166—Implementing security features at a particular protocol layer at the transport layer
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W12/00—Security arrangements; Authentication; Protecting privacy or anonymity
    • H04W12/60—Context-dependent security
    • H04W12/69—Identity-dependent
    • H04W12/72—Subscriber identity

Definitions

  • the invention relates generally to paperless transactions through a mobile network.
  • the invention relates to a method and system for wireless bill presentation and bill payment on a mobile network.
  • a household typically receives separate bills from sources such as utility and telco companies every month.
  • a large amount of paper is therefore needed for printing bills or invoices each year to be sent to customers for billing purposes.
  • An average equivalent of two to three sheets of A-4 size paper are used for printing a typical bill as well as for making up the envelope that is required for containing the bill to be sent to a customer. It is estimated that for a sizable organization having a total of one million customers, at least fifty thousand trees are logged every month just to produce enough billing papers and envelopes.
  • the cost of sending a printed bill to a customer is estimated to be around half a dollar. Based on this estimate, a company which sends a million printed bills to its customer per month would have to incur at least half a million dollars each month for sending out printed bills. Sending of printed bills is also inefficient as it typically takes a few working days for the bill to reach the intended addressees.
  • the conventional manner of paying electronic bills is inconvenient because it involves multiple steps consisting login authentication, payee selection and payment amount, amongst others, prior to completing paying of bills via the Internet. As such, making payments with the minimum number of steps is desired.
  • Embodiments of the invention disclosed herein improve the efficiency of providing electronic bill payment while having the option of paying bills either partially or in full.
  • a method for bill management on a mobile messaging network involves receiving a bill packet by a mobile device.
  • the mobile device has a unique mobile identifier associated therewith.
  • the bill packet contains at least one bill item encrypted with the mobile identifier.
  • Each bill item is associated with at least one payment account to which bill payment is made.
  • the method also involves decrypting the bill packet with the mobile identifier for extracting the at least one bill item from the bill packet.
  • the method further involves presenting the at least one bill item on the mobile device for selection by a user.
  • a payment instruction associated with the at least one bill item is generatable in response to the bill item that is selected. More specifically, payment of the at least one bill item to the at least one payment account is subsequently effectable by the payment instruction.
  • a system for bill management on a mobile messaging network comprises a server for sending a bill packet to a mobile device.
  • the mobile device has a unique mobile identifier associated therewith.
  • the bill packet contains at least one bill item encrypted with the mobile identifier.
  • Each bill item is associated with at least one payment account to which bill payment is made.
  • the system also comprises a decryptor for decrypting the bill packet with the mobile identifier for extracting the at least one bill item therefrom.
  • the system further comprises a user interface for presenting the at least one bill item on the mobile device for selection by a user.
  • a payment instruction associated with the at least one bill item is generatable in response to the bill item that is selected. More specifically, payment of each of the bill item to the at least one payment account is subsequently effectable by the payment instruction.
  • Fig. 1 is a process flow diagram of a bill management method for a mobile messaging network according to an embodiment of the invention
  • Fig. 2 is a system diagram of for a system for bill management on a mobile messaging network according to the embodiment of the invention
  • Fig. 3 is a first series of interface of queries as presentable on the interface of a mobile device of the system of Fig. 2;
  • Fig. 4 is second series of interface of queries as presentable on the interface of a mobile device of the system of Fig. 2.
  • the method and the system as disclosed according to embodiments of the invention advantageously facilitate efficient electronic bill payment. Additionally, the method and the system also provides a payee with more control over bill payment by for example providing options for full payment or partial payment of bill. The bill is paid directly in a single reply in response to a request for bill payment to pre-selected payees via a mobile terminal with the reply indicating either partial or full payment. The method and system therefore allows a mobile phone user to pay bills electronically in a direct and simple manner.
  • the method 100 comprises step 102 of receiving a bill packet by a mobile device.
  • the mobile device has a unique mobile identifier associated therewith.
  • the bill packet contains data relating to one or more bill items, each of which is encrypted with the mobile identifier.
  • Each bill item is associated with one or more payment accounts to which bill payment can be made.
  • the method 100 also involves a step 104 of decrypting the bill packet with the mobile identifier for extracting the one or more bill items from the bill packet.
  • the method 100 further comprises a step 106 of presenting each of the bill items on the mobile device for selection by a user.
  • a payment instruction associated with each of the bill items is generatable in response to the bill item that is selected. More specifically, payment of each of the bill items to each of the payment accounts is subsequently effectable by the payment instruction.
  • Fig. 2 illustrates a system 200 for bill payment operable on a mobile messaging network according to a second embodiment of the invention.
  • the system 200 uses a push registry to simplify and expedite bill payment executable on a mobile phone platform.
  • the system 200 comprises a server 202 for receiving a payment request (not shown) from a service provider, such as a utility service provider or a Telco, for bill payment.
  • the payment request consists of a bill packet containing details for bill payment.
  • a user of the system 200 preferably registers for a bill payment account 204 with the server 202 via, for instance the Internet accessed through a computer 206.
  • the user preferably has a mobile phone 208 that is associated to him or her and is preferably required to provide a name, a password, a mobile phone number and a mobile phone identifier that is unique to the mobile phone during the account registration process.
  • Bills are preferably sent by payee agencies via the server 202 according to each payee's billing cycle.
  • the user is further preferably required to provide a bank account number for facilitating the payment of bills.
  • the payment request is preferably stored in the server 202, which comprises a Web Server portion 210 and an EJB server portion 212.
  • the Web Server portion 210 has a Web container 214 for handling front end requests while the EJB server portion 212 has an EJB container 216 for handling back end requests.
  • the Web container 214 is used for communicating with the user via the user's mobile phone 208 or the computer 206.
  • the EJB container 216 is used for communicating with the service provider as well as the user's bank 218 via a secured VPN line.
  • the EJB server portion 212 is connected to an SQL server database 220.
  • the SQL server database 220 preferably contains a Payee Table 222, a Payment Table 224 and a Payer Table 226 for storing the bill packet that contains payment details, for example payee's names, corresponding payer's names and payment amount, in the respective tables.
  • a software program for mobile phones is preferably sent by the Web server portion 210 to the user's mobile phone 208.
  • the MIDlet application 228 is preferably installed on the user's mobile phone 208 before the mobile phone 208 receives the payment request from the server 202.
  • the mobile phone 208 is ready to process any payment request it receives from the server 202.
  • the Web server portion 210 will first encrypts the payment request with the mobile phone identifier.
  • the encrypted payment request is then sent to the user's mobile phone 208 via a wireless communication network, such as a mobile messaging network.
  • Examples of a mobile messaging network includes short message service (SMS) and secured socket layer (SSL) in transmission control protocol / Internet protocol (TCP / IP) or user datagram protocol (UDP).
  • SMS short message service
  • SSL secured socket layer
  • TCP / IP transmission control protocol
  • UDP user datagram protocol
  • the user's mobile phone 208 receives the encrypted payment request and decrypts the payment request with the mobile phone identifier.
  • the system 200 advantageously provides a secure way by which bill payments can be made through the wireless communication network.
  • the encrypted payment request is only sent to a pre-registered mobile phone that has the unique mobile phone identifier. This means that only a mobile phone with the unique mobile phone identifier is able to receive the encrypted payment request.
  • the payment request is encrypted so that the bill packets are protected during transmission from the server 202 to the user's mobile phone 208.
  • the encrypted bill packets can only be decrypted by the MIDlet application 228 installed on the user's mobile phone 208. User authentication is also required for accessing the contents of the bill packets.
  • the user is required to register at least one payee with the server 202 for bill payment before payment can be made to the registered payee.
  • the user Upon installation of the MIDlet application 228 on the mobile phone 208, the user is able to retrieve via the mobile phone 208 a list of payee names 232 obtained from the SQL server database 220. The user then selects one or more payees 234 for bill payment to. The server 202 is then informed of the selection through a confirm payee process 236.
  • the SQL server database 220 preferably stores the selection before the server 202 confirms the payees 236 with the SQL server database 220 for bill payment.
  • the user is also able to change or remove any payees that have been registered with the server 202 with the MIDlet application 228 as well as to add new payees for bill payment to.
  • the bill payment is initiated by the payee agency 240 and is forwarded by the server 202 to the user.
  • the server 202 initiates bill payment 242 by sending a payment notice 246 to the user's mobile phone 208 through the Web Server portion 210.
  • the user is then able to proceed to make payment 238 to the selected payees upon receiving the payment notice 246 on the user's mobile phone 208.
  • the server 202 then communicates with the bank 218 for bill deduction 248 before providing the payment status 250 to the user's mobile phone 208.
  • Payment details 252 and records are viewable on the computer 206 via the Internet by the user.
  • the user is required to provide a password for authentication purposes before one or more bill items are subsequently presented on the mobile phone 208 for user selection.
  • the bill items are preferably presented on a user interface (UI) of the user's mobile phone 208.
  • the UI is preferably a graphical user interface (GUI).
  • the password is preferably provided for authenticating the user via a Password Query 300 presented on the GUI.
  • a Payee Agency Query 302 in the form of icons representing one or more payee agencies 304 are provided on the GUI for selection by the user. The user is then required to select one or more payee agencies
  • a Payment Receipt Query 312 appears on the UI of the user's mobile phone 208 for showing a receipt number in response to the full payment being made. Thereafter, the Payee Agency Query 302 is shown again without any icon 306 therein to indicate that the current bills are duly paid.
  • the user is required to key in the amount of partial payment in a Partial Payment Query 311 and initiates the partial payment in the Payment Confirmation Query 310.
  • the Payment Receipt Query 312 appears on the UI of the mobile phone 208 for showing a receipt number in response to the partial payment made.
  • the Payee Agency Query 302 is shown again with icons 306 to indicate that there are still outstanding bills to be paid to respective companies. The user can then proceed to the Selected Payee Agency Query 308 to check the remaining outstanding bills for the selected payee.
  • the user has a choice to exit the MIDlet application 228 after the Payment Receipt Query 312.
  • the user is also able to add or remove payee agencies through a Main Menu Query 400.
  • the Main Menu Query 400 has a Pay Bill option 402 as well as an Edit Payee option 404.
  • the Pay Bill option 402 allows the user to proceed to the earlier described Queries for bill payment.
  • the Edit Payee option 404 allows the user to proceed to an Add/Remove Payee Query 406 for adding or removing a payee.
  • an Add Payee option 408 is selected in the Add/Remove Payee Query 406. The user is then required to select from a list of available payee agencies to be added into an Add Payee Query 410. Thereafter, a Payee Added Query 412 is shown for confirming the addition of the new payee.
  • a Remove Payee option 414 is selected in the Add/Remove Payee Query 406. The user is then required to select the payee to be removed in a Remove Payee Query 416. Thereafter, a Payee Removed Query 418 is shown for confirming the removal of the selected payee.

Abstract

L'invention concerne un procédé et un système de gestion de factures sur un réseau de messagerie mobile. Le procédé et le système impliquent de recevoir un paquet de factures par un dispositif mobile. Ledit paquet de factures est fourni par un serveur de communication de données avec le dispositif mobile via un réseau de messagerie mobile, le dispositif mobile étant uniquement identifiable par un identificateur mobile et le paquet de factures étant des données de factures chiffrées avec l'identificateur mobile du dispositif mobile. Le procédé et le système impliquent également le déchiffrage du paquet de factures reçu avec l'identificateur mobile par le dispositif mobile pour extraire les données de factures du paquet de factures. Les données de factures comprennent au moins un prestataire de services et au moins un montant de paiement lui correspondant. Le procédé et le système impliquent en outre de présenter sur une interface du dispositif mobile plusieurs options de paiement, chacune étant associée à un des prestataires de services et indicative du paiement d'au moins une partie des montants de paiement. L'interface peut fonctionner par sélection d'au moins une option de paiement afin de générer une instruction de paiement définissant l'option de paiement sélectionnée. Plus précisément, l'instruction de paiement peut être fournie au serveur par le dispositif mobile en vue d'effectuer par la suite le paiement des parties des montants de paiement qui y sont indiqués.
PCT/SG2009/000423 2008-11-13 2009-11-13 Procede et systeme de facturation mobile sans papier et collecte de paiements WO2010056207A2 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
SG200808457 2008-11-13
SG200808457-6 2008-11-13

Publications (2)

Publication Number Publication Date
WO2010056207A2 true WO2010056207A2 (fr) 2010-05-20
WO2010056207A3 WO2010056207A3 (fr) 2010-08-19

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Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20130268434A1 (en) * 2012-04-05 2013-10-10 Aliaswire Inc System and method for automated provisioning bill presentment and payment
CN108259412A (zh) * 2016-12-28 2018-07-06 中国移动通信集团湖北有限公司 信息处理的方法、装置和系统
CN108846661A (zh) * 2012-04-01 2018-11-20 深圳市可秉资产管理合伙企业（有限合伙） 移动装置以及在两个移动装置间实现用于移动支付的方法

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP1282089A1 (fr) * 2001-08-03 2003-02-05 TELEFONAKTIEBOLAGET LM ERICSSON (publ) Procédé et dispositifs pour paiements entre terminaux
US6934844B2 (en) * 2000-12-22 2005-08-23 Mars Incorporated Secure communications for a currency handling machine
US20060123226A1 (en) * 2004-12-07 2006-06-08 Sandeep Kumar Performing security functions on a message payload in a network element
WO2008005018A2 (fr) * 2006-07-06 2008-01-10 Firethorn Holdings, Llc Procédés et systèmes de conduite de transactions financières dans un environnement mobile
KR100833895B1 (ko) * 2006-06-02 2008-06-02 삼성전자주식회사 이동통신 시스템에서 결재 서비스 제공 장치 및 방법

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6934844B2 (en) * 2000-12-22 2005-08-23 Mars Incorporated Secure communications for a currency handling machine
EP1282089A1 (fr) * 2001-08-03 2003-02-05 TELEFONAKTIEBOLAGET LM ERICSSON (publ) Procédé et dispositifs pour paiements entre terminaux
US20060123226A1 (en) * 2004-12-07 2006-06-08 Sandeep Kumar Performing security functions on a message payload in a network element
KR100833895B1 (ko) * 2006-06-02 2008-06-02 삼성전자주식회사 이동통신 시스템에서 결재 서비스 제공 장치 및 방법
WO2008005018A2 (fr) * 2006-07-06 2008-01-10 Firethorn Holdings, Llc Procédés et systèmes de conduite de transactions financières dans un environnement mobile

Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN108846661A (zh) * 2012-04-01 2018-11-20 深圳市可秉资产管理合伙企业（有限合伙） 移动装置以及在两个移动装置间实现用于移动支付的方法
US20130268434A1 (en) * 2012-04-05 2013-10-10 Aliaswire Inc System and method for automated provisioning bill presentment and payment
US10489762B2 (en) * 2012-04-05 2019-11-26 Aliaswire, Inc. System and method for automated provisioning bill presentment and payment
CN108259412A (zh) * 2016-12-28 2018-07-06 中国移动通信集团湖北有限公司 信息处理的方法、装置和系统

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