WO2011056156A1 - A mobile payment method of high security and authorization system for this method - Google Patents
A mobile payment method of high security and authorization system for this method Download PDFInfo
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- WO2011056156A1 WO2011056156A1 PCT/TR2010/000061 TR2010000061W WO2011056156A1 WO 2011056156 A1 WO2011056156 A1 WO 2011056156A1 TR 2010000061 W TR2010000061 W TR 2010000061W WO 2011056156 A1 WO2011056156 A1 WO 2011056156A1
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- Prior art keywords
- mobile
- application
- customer
- mobile payment
- transaction
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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
- G06Q20/30—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
- G06Q20/08—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]
- G06Q20/3229—Use of the SIM of a M-device as secure element
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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
- G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
-
- 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
- G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
- G06Q20/425—Confirmation, e.g. check or permission by the legal debtor of payment using two different networks, one for transaction and one for security confirmation
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
- G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
- G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
- G07F7/1025—Identification of user by a PIN code
- G07F7/1058—PIN is checked locally
- G07F7/1066—PIN data being compared to data on card
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- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- Accounting & Taxation (AREA)
- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- Theoretical Computer Science (AREA)
- Finance (AREA)
- Computer Networks & Wireless Communication (AREA)
- Computer Security & Cryptography (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention relates to a mobile payment method providing realization of payment transactions through mobile devices - preferably mobile phones- (1) by users by means of using a number of no financial value such as only a defined customer number without giving credit card details or GSM number details in shopping, and an authorization system for this method.
Description
A MOBILE PAYMENT METHOD OF HIGH SECURITY AND AUTHORIZATION
SYSTEM FOR THIS METHOD
The Field of The Invention
The invention relates to a mobile payment method realized without need for giving personal details of financial value to non-secure media.
The invention particularly relates to a mobile payment method providing realization of payment transactions through mobile devices - preferably mobile phones- by users by means of using a number of no financial value such as only a defined customer number without giving credit card details or GSM number details in shopping, and an authorization system for this method.
Background of the Invention
Upon common use of banks and private money transfer organizations today, individuals can effect the payment transactions (money transfers, invoice payments and/or shopping transactions) by use of the said organizations. In general meaning, there are different payment options in regard to all transactions called "payment". While people's desire of not carrying cash in general requires carrying credit card and/or bankmatic 'debit card) and making their payments by means of them, not having time for transactions such as shopping, transfer or payment requires use of applications on internet known as e-trade. Because of limited time of individuals today, internet sites of banks have been made convenient for conduct of banking transactions so as to allow conduct of transactions without going to bank branches in a manner eliminating time loss. The individual goes to internet site of the related bank or organization on internet by use of password and pin assigned to him/her and can effect the transactions by giving his/her personal details although it is not very secure. Although banks use several security programs and methods to store the customer details in their database in a secure way, the banking transactions effected through internet can be subject to bad intention persons. The biggest disadvantage for the users performing their banking transactions on internet is that adequate security could not be provided. Mobile devices having more popular use area has gained importance as a solution for eliminating this disadvantage in parallel to development in the art. Payment transaction through mobile devices can be made by means of SMS or NFC (Near Field Communication)
technology. NFC technology is a technology developed to spread use of mobile telephones instead of contactless cards. NFC typically has a short operating range of a few centimetres and operates with radio frequency Identification (RFID) technology and non-contact smart cart infrastructure. For that reason, it is absolutely in compatibility with the existing contactless card communication infrastructure commonly used in public transportation and payment systems. However, this system can only be considered as an alternative to contactless cards. In respect to payment systems by use of SMS, payments up to a limited amount is allowed. Moreover, the problems to be experienced in regard to security requiring this limitation and reflection of the payment in the invoice of the GSM operator line are the disadvantages. Several developments related to payment transactions realized through mobile devices and the patent applications made in light of such developments are seen in the related art. American patent application numbered US2008208681 about NFC technology and European patent application numbered EP1974321 about mobile payment by SMS can be given as examples for the embodiment.
When all previous art documents and existing embodiments are examined, no patent application related to a method for providing realization of payment transaction by means of a chip card embodiment running on SIM card located therein or mobile signature embodiment located in SIM card without need for giving any details of financial value, and a system for it has been seen.
As a result, existence of need for a mobile payment method forming a considerably secure payment platform particularly capable to replace the non-secure payment options by credit card on internet and/or written instruction texts known as mail order and not requiring submission of any details of financial value and inadequacy of existing solutions available in the related art have made necessary to make development in the related art.
The mobile payment system developed in this context under this invention provides running an application similar to bank chip card application embedded in credit cards or a mobile signature application on SIM card located in mobile telephone and acting of the mobile telephone like a light POS by means of mobile payment application installed onto the mobile phone and communication with SIM card like a chip credit card. The data of the conducted transaction is sent to GSM operator by mobile phone and to bank
therefrom and approval is received and the extract of the conducted transaction is sent to the holder of the mobile phone by the bank. Thus the requirement of low limit in payment systems by SMS has been eliminated. During realization of the transaction, the user enters his/her password and the password is authenticated by chip card or mobile signature application in the SIM card. Thus the transaction is realized if the password is entered correctly. When the transaction is completed, the cryptogram of the transaction is created together with the pre-installed data and this cryptogram is only authenticated by the bank. Therefore, the bank would authenticate the transaction submitted to it. Thus a secure application is disclosed since the security is ensured by both password and cryptogram.
Brief Description of the Invention
The present invention relates to a mobile payment method and a system related thereto meeting the needs mentioned above, eliminating all disadvantages and providing some additional advantages. The non-secure media referred to under the descriptions mean internet and similar media open to bad intended persons' access even though there are security systems.
The purpose of the invention is to disclose a mobile payment method by use of a number of no financial value such as only a defined customer number without giving credit card details or GSM number details in shopping, capable to eliminate the security gaps occurring in payments made on internet and/or mail order transactions.
More specifically, the purpose of the invention is to provide execution of no transaction without customer details. For this purpose, when a customer number is assigned and the transaction is started, the transaction information is sent to the customer and the customer sees the details of the transaction and if he/she approves the payment, the transaction is realized between mobile phone and SIM card and the customer is asked to enter password. The shopping is made only if the correct password is entered.
The purpose of the invention is to provide a mobile payment platform into which all GSM operators, banks, alternative payment and transfer systems can involve.
In order to achieve the above mentioned purposes, the invention relates to a mobile payment method characterized in connection to the payment page of the GSM operator
from the internet page of the seller firm (8) from which shopping is made, for payment transaction, entering the customer number by the customer into the mobile payment system to commence payment transaction in the opened page, checking the transaction details and approving them, sending an approval message by GSM operator (6) to mobile telephone (1) where mobile payment application (4) is installed, upon approval of the customer, upon receipt of approval message by mobile payment application, communication with the said SIM card (5) application, submission of PIN request for the selected SIM card application on the mobile telephone display (2), entering the PIN by the customer by use of the key pad (3) of the mobile telephone, authentication of the entered PIN by the said SIM card application, upon authentication of the PIN, receipt of the credit card details and cryptogram from the chip card application by command of mobile payment application (4) and submission thereof to bank transaction infrastructure (9) through the said GSM operator (6) and wherein a customer number is defined for each customer by use of at least one mobile device, preferably a mobile telephone consisting of at least one SIM card, SIM card application run on the SIM card and mobile payment application (4) communicating with the said SIM card application in order to provide realization of payment transactions of customers without need for giving personal details of financial value to non-secure media. In order to achieve the above mentioned purposes, the invention is a mobile payment system to provide realization of payment transactions of the customers without need for giving personal details of financial value to non-secure media and it consists of at least one mobile device, preferably a mobile telephone containing at least one SIM card, SIM card application run on the SIM card and mobile payment application communicating with the said SIM card application, a seller with which the customer makes shopping and which has an internet site where transaction instructions are given, at least one GSM operator diverter providing communication in order to realize the banking transactions by mobile phone of the customer on the seller and/or bank transaction infrastructure. In order to achieve all advantages mentioned above and to be understood better with the detailed description given below, the present invention provides several advantages as well as novelty together with the said characteristics.
The structural and characteristics features of the invention and all advantages will be understood better in detailed descriptions with the figures given below and with reference to the figures, and therefore, the assessment should be made taking into account the said figures and detailed explanations. Brief Description of Figures
In order to make the embodiment and additional members being subject of the present invention as well as the advantages clearer for better understanding, it should be assessed with reference to the fallowing described figures.
Figure 1 is a schematic view of the communication between mobile telephone and GSM operator.
Figure 2 is a schematic view indicating all components of mobile payment system.
Reference Numbers
1. Mobile Telephone
2. Mobile telephone display
3. Keypad set
4. Mobile payment application
5. SIM card
6. GSM operator diverter (application)
7. Computer
8. Seller firm/organization
9. Bank transaction infrastructure
9.1 Acquirer diverter
9.2 MasterCard/Visa
9.3 Issuer Bank
GPRS (General Packet Radio Service)
GSM (Global System for Mobile Communications)
SMS (Short Message Service)
POS (Point of Sale)
NAC (Network Access Control)
Detailed Description of the Invention
In this detailed description, the preferred embodiments of the mobile payment method and a system related to it eliminating all disadvantages of the related art and providing some additional advantages have been disclosed only as example for the purpose of better understanding of the subject. In the descriptions below, terms of issuer and acquirer relating to transaction infrastructure (9) of the bank will be used in their original form so as to not cause any technical meaning confusion. In general, acquirer refers to entities (banks) accepting credit cards, in other words, having POS/ATM devices. Issuer refers to entities (banks) which are owner of the credit cards. GSM operator and GSM operator diverter will be used in both forms in order to prevent technical confusion. Chip card application and mobile signature application located in SIM card will be referred to as SIM card application in general and details for both applications will be provided.
Figure 1 is a schematic view of the communication between mobile telephone (1) and GSM operator (6). Figure 2 is a schematic view indicating operating architecture together with all components of mobile payment system. Figure 1 discloses the part of the operation flow in figure 2 relating to mobile telephone (1). The individuals becoming member to the system and/or realizing payment transactions by use of the system will be referred to as customer. With the mobile payment method being subject of the invention, when the customer desires to do shopping from internet page of the seller firm (8), he/she clicks on the link connected to system of GSM operator and a page is displayed by GSM operator for realization of payment. If the customer is not member of mobile payment system of GSM operator, he/she becomes member on the displayed page and installs mobile payment application (4) into his/her personal mobile telephone (1). If the customer is member to mobile payment system of the GSM operator (6), he/she enters his/her customer number relating to mobile payment system from this page to start payment. Customer number is not a number containing any secret personal details in any way. It is entirely a customer detail of no financial value. A customer number is assigned for each customer when membership to system is completed, and the mobile payment transactions are realized over the said customer number. When the transaction is started by entering customer number, the transaction information is displayed to the customer and the customer sees the details of the transaction. After checking the information, if the customer approves the payment, an approval message is sent by GSM operator (6) to the mobile telephone (1) where
mobile payment application (4) is installed. The application after this stage presents difference for mobile signature application and chip card application. For chip card application which is a preferred embodiment of the invention, after receipt of approval message by mobile payment application (4) (authorization message will also be sent together with approval message), communication with chip card application installed in the SIM card (5) is made and convenient chip card application is selected and the data installed in the chip card application are read. PIN request related to selected chip card application is sent to the customer from mobile telephone display (2) and enters the PIN by use of keypad sets (3) of customer mobile telephone. The said chip card application installed in SIM card (5) conducts PIN verification. If the PIN entered by the customer is wrong, the number of trial is displayed to the customer on the display, and if the number of PIN trial is "0" on the display, then the transaction is cancelled. If the PIN is correct, the transaction steps are continued. In case of continuation of the transaction, credit card details and cryptogram are received from chip card application by the command of mobile payment application (4). The received credit card details and cryptograms are forwarded to banking transaction infrastructure (9) (acquirer diverter (9.1)) by the said GSM operator (6). The said acquirer diverter (9.1 ) is a MasterCard and Visa approved entity. It diverts the transactions coming from GSM operator (6) to MasterCard and Visa(9.2). The responses given to it from MasterCard and Visa (9.2) are re-diverted to GSM operator (6). MasterCard and Visa (9.2) forwards the mobile payment transactions coming from acquirer diverter (9.1) to the correct issuer bank (9.3) and forwards the approval received therefrom to the acquirer diverter (9.1) again. The said issuer bank (9.3) approves the transactions coming from MasterCard or Visa (9.2). When approving, it verifies the online cryptogram, checks the limits of the card transactions received through mobile telephone (1) in connection with the payment and realizes transactions such as standard banking transactions, re-sends the response of the transaction to MasterCard or Visa (9.2).
In a preferred embodiment of the invention, mobile signature application installed in the said SIM card (applet (the name designated for applications written in JAVA programming language)) is used instead of chip card application. Mobile signature application is stored in high security area of the said SIM card. The said mobile signature applet contains private keys created by use of RSA open key encoding algorithm. The transaction data coming from mobile payment application (4) is encoded by private key located in applet and is sent to bank infrastructure (9) through GSM
operator diverter (6), and the bank (9) opens digital signature coming from the mobile telephone (1) and checks the transaction therein and if it approves, the transaction is completed.
In preferred embodiments of the mobile payment method being subject of the invention, in addition to transaction requests from internet (e-trade), mail order (CRT), transaction requests from POS (NAC) and other payment sources can also be handled. The coming transaction requests are handled and forwarded to GSM operator diverter (6). The diverter (6) sends the coming transaction to the related telephone (1) and amount and form of the transaction are also given in the sent message. Upon realization of the transaction in the telephone (1), it is handled again and online messages and cryptograms related to credit card in the SIM card (5) are forwarded to acquirer diverter (9.1), the issuer bank (9.3) verifies the transaction. The verified transaction is sent to both telephone (1) and the related member business place (8). All payment transaction is realized between the mobile telephone (1) of the customer where mobile payment application (4) is installed and SIM card (5), and the customer is asked to enter PIN for security purposes. If the PIN is entered correctly, the shopping is realized. It is not possible to do shopping with the mobile telephone (1) having mobile payment application (4) without approval of the customer.
The protection area of this application has been specified under claims and cannot be limited to the descriptions only given as sampling above. It is clear that any innovation can be provided by a person skilled in the related art by use of the similar embodiments and/or can also apply this embodiment in other areas for similar purposes used in the related art. Therefore, such embodiments will be lack of novelty and inventive step criteria.
Claims
The invention is a mobile payment method wherein a customer number is defined for each customer by use of at least one mobile device, preferably a mobile telephone (1) consisting of at least one SIM card (5), SIM card application run on the SIM card (5) and mobile payment application (4) communicating with the said SIM card application in order to provide realization of payment transactions of customers without need for giving personal details of financial value to non-secure media and it is characterized in that it consists of steps of connection to the payment page of the GSM operator from the internet page of the seller firm (8) from which shopping is made, for payment transaction, entering the customer number by the customer into the mobile payment system to commence payment transaction in the opened page, checking the transaction details and approving them, sending an approval message by GSM operator (6) to mobile telephone (1 ) where mobile payment application (4) is installed, upon approval of the customer, upon receipt of approval message by mobile payment application (4), communication with the said SIM card (5) application, submission of PIN request for the selected SIM card application on the mobile telephone display (2), entering the PIN by the customer by use of the key pad (3) of the mobile telephone, authentication of the entered PIN by the said SIM card application, upon authentication of the PIN, receipt of the credit card details and cryptogram from the chip card application by command of mobile payment application (4) and submission thereof to bank transaction infrastructure (9) through the said GSM operator (6) and submission of the transaction detail verified/authenticated by bank transaction infrastructure (9) to mobile telephone (1) of the customer and member business place/seller (8).
A mobile payment method according to claim 1 and it is characterized in that a mobile payment application (4) is installed to the mobile telephone (1) of each member customer.
A mobile payment method according to claim 1 and it is characterized in that consists of steps of installation of chip card application wherein credit card details of the customer are installed in the SIM card (5) located in mobile telephones (1) of each customer, and upon receipt of approval message by the said mobile payment application (4), communication with the SIM card application installed in the SIM card (5), selection of convenient chip card application, submission of PIN request for the selected chip card application on the mobile telephone display (2), entering the PIN by the customer by use of the key pad set (3) of the mobile telephone, authentication of the entered PIN by the chip card application, upon authentication of the PIN, receipt of the credit card details and cryptogram from the chip card application by command of mobile payment application (4) and submission thereof to bank transaction infrastructure (9) through the said GSM operator (6), submission of the transaction detail verified/authenticated by bank transaction infrastructure (9) to mobile telephone (1) of the customer and member business place/seller (8).
4. A mobile payment method according to claim 1 and it is characterized in that it consists of installation of mobile signature application into SIM card (5) located in mobile telephones (1) of each member customer and encoding the transaction data coming from the said mobile payment application (4) to the mobile signature application by use of private key located in the applet and submission thereof to the related bank infrastructure (9) through GSM operator diverter (6) and submission of transaction details approved/verified by the bank transaction infrastructure (9) to mobile telephone (1) of the customer and the member business placeOseller (8).
5. A mobile payment method according to claim 1 and it is characterized in that transaction requests are realized through internet (e-trade), mail order (CRT) and
POS (NAC).
6. A mobile payment method according to claim 1 and it is characterized in that a customer number of non-financial value is defined for each customer and the transactions are realized through this customer number.
7. A mobile payment method according to claim 1 and it is characterized in that the said banking infrastructure (9) comprising acquirer diverter (9.1), MasterCard and Visa (9.2) and issuer bank (9.3) system and the said acquirer diverter (9.1) diverts the transactions coming to it from GSM operator (6) to MasterCard and Visa (9.2) and diverts the responses returned to it from MasterCard and Visa (9.2) to GSM operator (6).
8. A mobile payment method according to claim 1 and it is characterized in that the said acquirer diverter (9.1) is a MasterCard and Visa approved entity.
9. A mobile payment method according to claim 1 and it is characterized in that MasterCard and Visa (9.2) forwards the mobile payment transactions coming from acquirer diverter (9.1) to the issuer bank (9.3) and forwards the approval received therefrom to the acquirer diverter (9.1) again.
10. A mobile payment method according to claim 1 and it is characterized in that the said issuer bank (9.3) approves the transactions coming from MasterCard or Visa (9.2), when approving, it verifies the online cryptogram, checks the limits of the card transactions received through mobile telephone (1) in connection with the payment, realizes required banking transactions and sends the response of the transaction to MasterCard or Visa (9.2) back.
11. A mobile payment system providing realization of payment transactions of customers without need for giving personal details of financial value to non-secure media and it is characterized in that it consists of
- at least one mobile device, preferably a mobile telephone (1 ) containing at least one SIM card (5), SIM card application run on the SIM card (5) and mobile payment application (5) communicating with the said SIM card application,
- seller (8) having an internet site where customer shops and gives transaction instructions,
- at least one GSM operator diverter (6) providing communication in order to realize banking transactions with mobile telephone (1) of the customer through seller (8) and/or bank transaction infrastructure (9).
12. A mobile payment system according to claim 11 and it is characterized in that the said banking infrastructure (9) consists of acquirer diverter (9.1) diverting the transactions coming from GSM operator (6) to MasterCard and Visa (9.2) and diverting the responses returned to it from MasterCard and Visa (9.2) to GSM operator (6).
13. A mobile payment system according to claim 11 and the said bank transaction infrastructure (9) consists of MasterCard and Visa (9.2) forwarding the mobile payment transactions coming from acquirer diverter (9.1) to the issuer bank (9.3) and forwarding the approval received therefrom to the acquirer diverter (9.1) again.
14. A mobile payment system according to claim 11 and the said bank transaction infrastructure (9) consists of issuer bank (9.3) approving the transactions coming from MasterCard or Visa (9.2), when approving, verifying the online cryptogram, checking the limits of the card transactions received through mobile telephone (1) in connection with the payment, realizing required banking transactions and sending the transaction response to MasterCard or Visa (9.2) back.
15. A mobile payment system according to claim 11 and the said mobile telephone (1) consists of keypad set (3) in order to provide submission of customer commands to the application.
16. A mobile payment system according to claim 11 and the said mobile telephone (1) consists of display monitor (2) in order to inform the customer of the applications.
17. A mobile payment system according to claim 11 and the said mobile telephone (1) consists of SIM card (5) containing chip card application wherein credit card details of the customers have been pre-installed.
18. A mobile payment system according to claim 11 and the said mobile telephone (1) consists of SIM card (5) containing mobile signature application.
19. A mobile payment system according to claim 11 and the said mobile telephone (1) consists of mobile payment application (4) acting as light POS and communicating with the said chip card application run on the SIM card like a chip credit card.
Applications Claiming Priority (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| TR2009/08280 | 2009-11-03 | ||
| TR2009/08280A TR200908280A2 (en) | 2009-11-03 | 2009-11-03 | A highly secure mobile payment method and authorization system for this method |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| WO2011056156A1 true WO2011056156A1 (en) | 2011-05-12 |
Family
ID=42549422
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| PCT/TR2010/000061 WO2011056156A1 (en) | 2009-11-03 | 2010-03-31 | A mobile payment method of high security and authorization system for this method |
Country Status (2)
| Country | Link |
|---|---|
| TR (1) | TR200908280A2 (en) |
| WO (1) | WO2011056156A1 (en) |
Cited By (6)
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|---|---|---|---|---|
| WO2012160318A1 (en) * | 2011-05-25 | 2012-11-29 | France Telecom | Method for remote payment, from a user device, of a shopping cart on an e-commerce server and associated system |
| GB2499360A (en) * | 2011-10-12 | 2013-08-21 | Technology Business Man Ltd | Secure ID authentication over a cellular radio network |
| CN104268756A (en) * | 2014-09-18 | 2015-01-07 | 深圳市中兴移动通信有限公司 | Mobile payment method and system |
| CN109496443A (en) * | 2016-06-16 | 2019-03-19 | 哈瑞克思信息科技公司 | Mobile authentication method and system for it |
| EP3493131A1 (en) * | 2017-11-30 | 2019-06-05 | PayCheckout Holding B.V. | A method of authorizing a payment request by a cloud based platform and a server arranged for supporting said method |
| US10373169B2 (en) * | 2015-08-11 | 2019-08-06 | Paypal, Inc. | Enhancing information security via the use of a dummy credit card number |
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| CA2363220A1 (en) * | 2001-11-23 | 2003-05-23 | Trustshield Technologies Inc. | Simcard authorization: online credit card transaction approval, privacy, authentication and non-repudiation |
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Cited By (12)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2012160318A1 (en) * | 2011-05-25 | 2012-11-29 | France Telecom | Method for remote payment, from a user device, of a shopping cart on an e-commerce server and associated system |
| FR2975860A1 (en) * | 2011-05-25 | 2012-11-30 | France Telecom | REMOTE PAYMENT METHOD, FROM A USER DEVICE, A PURCHASE BASKET ON A MERCHANT SERVER AND AN ASSOCIATED SYSTEM |
| US9741069B2 (en) | 2011-05-25 | 2017-08-22 | Orange | Method of using a user device for remote payment of a shopping basket on a merchant server, and an associated system |
| GB2499360A (en) * | 2011-10-12 | 2013-08-21 | Technology Business Man Ltd | Secure ID authentication over a cellular radio network |
| GB2499360B (en) * | 2011-10-12 | 2015-03-04 | Technology Business Man Ltd | Secure ID authentication |
| CN104268756A (en) * | 2014-09-18 | 2015-01-07 | 深圳市中兴移动通信有限公司 | Mobile payment method and system |
| CN104268756B (en) * | 2014-09-18 | 2019-03-05 | 努比亚技术有限公司 | Method of mobile payment and system |
| US10373169B2 (en) * | 2015-08-11 | 2019-08-06 | Paypal, Inc. | Enhancing information security via the use of a dummy credit card number |
| CN109496443A (en) * | 2016-06-16 | 2019-03-19 | 哈瑞克思信息科技公司 | Mobile authentication method and system for it |
| CN109496443B (en) * | 2016-06-16 | 2021-11-05 | 哈瑞克思信息科技公司 | Mobile authentication method and system therefor |
| EP3493131A1 (en) * | 2017-11-30 | 2019-06-05 | PayCheckout Holding B.V. | A method of authorizing a payment request by a cloud based platform and a server arranged for supporting said method |
| NL2019997B1 (en) * | 2017-11-30 | 2019-06-07 | Paycheckout Holding B V | A method of authorizing a payment request by a cloud based platform and a server arranged for supporting said method |
Also Published As
| Publication number | Publication date |
|---|---|
| TR200908280A2 (en) | 2011-02-21 |
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