WO2002035487A3 - Remote payment method and system - Google Patents

Remote payment method and system Download PDF

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Publication number
WO2002035487A3
WO2002035487A3 PCT/GB2001/004790 GB0104790W WO0235487A3 WO 2002035487 A3 WO2002035487 A3 WO 2002035487A3 GB 0104790 W GB0104790 W GB 0104790W WO 0235487 A3 WO0235487 A3 WO 0235487A3
Authority
WO
WIPO (PCT)
Prior art keywords
merchant
account
customer
communications device
accounts
Prior art date
Application number
PCT/GB2001/004790
Other languages
French (fr)
Other versions
WO2002035487A2 (en
Inventor
Achiezer Racov
Original Assignee
Icom Mobile Ltd
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 Icom Mobile Ltd filed Critical Icom Mobile Ltd
Priority to EP01976543A priority Critical patent/EP1430454A2/en
Priority to IL15556601A priority patent/IL155566A0/en
Priority to BR0114958-0A priority patent/BR0114958A/en
Priority to AU2001295811A priority patent/AU2001295811A1/en
Publication of WO2002035487A2 publication Critical patent/WO2002035487A2/en
Publication of WO2002035487A3 publication Critical patent/WO2002035487A3/en

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—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
    • G06Q20/12—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
    • 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]
    • 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
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • G06Q20/3674—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes involving authentication

Abstract

A computer-based method and system for effecting a remote payment transaction involving the use of a mobile communications device. Using the described system and the communications device, a customer (102) may electronically purchase goods or services from a merchant (104), remit payments, track loyalty bonuses and effect enhanced personal financial account management with less effort, increased convenience and user-authorized security features for account access and manipulation. Using a mobile communications device, the customer instructs (120) the remote payment system to provide funds to the merchant, where the funds are transferred (121) from a customer account to a merchant account, and the merchant notified (122). If desired, the system automatically manages the value of these accounts by interacting with external financial accounts, such as bank accounts. The system also monitors transaction frequency and average account value to calculate a bonus to reward the customer's loyalty.
PCT/GB2001/004790 2000-10-27 2001-10-26 Remote payment method and system WO2002035487A2 (en)

Priority Applications (4)

Application Number Priority Date Filing Date Title
EP01976543A EP1430454A2 (en) 2000-10-27 2001-10-26 Remote payment method and system
IL15556601A IL155566A0 (en) 2000-10-27 2001-10-26 Remote payment method and system
BR0114958-0A BR0114958A (en) 2000-10-27 2001-10-26 Remote Payment Method and System
AU2001295811A AU2001295811A1 (en) 2000-10-27 2001-10-26 Remote payment method and system

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
US24406200P 2000-10-27 2000-10-27
US60/244,062 2000-10-27
US10/033,154 US20020152179A1 (en) 2000-10-27 2001-10-25 Remote payment method and system
US10/033,154 2001-10-25

Publications (2)

Publication Number Publication Date
WO2002035487A2 WO2002035487A2 (en) 2002-05-02
WO2002035487A3 true WO2002035487A3 (en) 2004-04-01

Family

ID=26709357

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/GB2001/004790 WO2002035487A2 (en) 2000-10-27 2001-10-26 Remote payment method and system

Country Status (7)

Country Link
US (1) US20020152179A1 (en)
EP (1) EP1430454A2 (en)
CN (1) CN1539122A (en)
AU (1) AU2001295811A1 (en)
BR (1) BR0114958A (en)
IL (1) IL155566A0 (en)
WO (1) WO2002035487A2 (en)

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