WO2004043047A3 - Improved mobile payment system - Google Patents

Improved mobile payment system Download PDF

Info

Publication number
WO2004043047A3
WO2004043047A3 PCT/IL2003/000912 IL0300912W WO2004043047A3 WO 2004043047 A3 WO2004043047 A3 WO 2004043047A3 IL 0300912 W IL0300912 W IL 0300912W WO 2004043047 A3 WO2004043047 A3 WO 2004043047A3
Authority
WO
WIPO (PCT)
Prior art keywords
mobile telephone
telephone number
payment account
authorized
user
Prior art date
Application number
PCT/IL2003/000912
Other languages
French (fr)
Other versions
WO2004043047A2 (en
Inventor
Amit Shefi
Original Assignee
Hellotech Technologies Ltd
Amit Shefi
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 Hellotech Technologies Ltd, Amit Shefi filed Critical Hellotech Technologies Ltd
Priority to AU2003279500A priority Critical patent/AU2003279500A1/en
Publication of WO2004043047A2 publication Critical patent/WO2004043047A2/en
Publication of WO2004043047A3 publication Critical patent/WO2004043047A3/en

Links

Classifications

    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone 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]
    • 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
    • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
    • 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
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
    • H04M15/47—Fraud detection or prevention means
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
    • H04M15/68—Payment of value-added services
    • 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
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/01—Details of billing arrangements
    • H04M2215/0148—Fraud detection or prevention means
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/01—Details of billing arrangements
    • H04M2215/0196—Payment of value-added services, mainly when their charges are added on the telephone bill, e.g. payment of non-telecom services, e-commerce, on-line banking
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/20—Technology dependant metering
    • H04M2215/2026—Wireless network, e.g. GSM, PCS, TACS
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/32—Involving wireless systems

Abstract

A method for conducting a transaction with a mobile telephone subscriber (930) who may or may not be authorized to use a mobile payment system (910), the method comprising: using an incoming call from a mobile telephone subscriber (900) located at a point of sale equipped with a telemetry device (920) to recognize the mobile telephone number from which the incoming call was made; searching for the mobile telephone number in a database (960) of authorized users (900) which comprises a multiplicity of records, each record including a mobile telephone number of an authorized user and particulars of a payment account associated therewith; if the searched-for mobile telephone number is found in the database of authorized users, authorizing and conducting a sale; and if the searched-for mobile telephone number is not found in the database of authorized users, performing a user registration process including the following: prompting the user to supply particulars of his payment account; authorizing the payment account; and if the payment account is authorized, generating an electronic record including the user's telephone number and particulars of the payment account and conducting a sale.
PCT/IL2003/000912 2002-11-03 2003-11-03 Improved mobile payment system WO2004043047A2 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU2003279500A AU2003279500A1 (en) 2002-11-03 2003-11-03 Improved mobile payment system

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
IL15262602A IL152626A0 (en) 2002-11-03 2002-11-03 Improved mobile payment system
IL152626 2002-11-03

Publications (2)

Publication Number Publication Date
WO2004043047A2 WO2004043047A2 (en) 2004-05-21
WO2004043047A3 true WO2004043047A3 (en) 2004-11-18

Family

ID=30011883

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/IL2003/000912 WO2004043047A2 (en) 2002-11-03 2003-11-03 Improved mobile payment system

Country Status (3)

Country Link
AU (1) AU2003279500A1 (en)
IL (1) IL152626A0 (en)
WO (1) WO2004043047A2 (en)

Families Citing this family (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US8325889B2 (en) * 2006-12-22 2012-12-04 Mobileaxept As Efficient authentication of a user for conduct of a transaction initiated via mobile telephone

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6341351B1 (en) * 1998-05-07 2002-01-22 Banctec, Inc. Method for communicating and controlling transactions between unsecured parties
US20020015414A1 (en) * 2000-07-31 2002-02-07 Alcatel Transport interface for time division frames
US20020087478A1 (en) * 2001-01-03 2002-07-04 Hudd Neil P. Wireless financial transactions
US20020152179A1 (en) * 2000-10-27 2002-10-17 Achiezer Racov Remote payment method and system
US20020174160A1 (en) * 2001-05-21 2002-11-21 Jean-Marie Gatto Trusted transactional controller

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6341351B1 (en) * 1998-05-07 2002-01-22 Banctec, Inc. Method for communicating and controlling transactions between unsecured parties
US20020015414A1 (en) * 2000-07-31 2002-02-07 Alcatel Transport interface for time division frames
US20020152179A1 (en) * 2000-10-27 2002-10-17 Achiezer Racov Remote payment method and system
US20020087478A1 (en) * 2001-01-03 2002-07-04 Hudd Neil P. Wireless financial transactions
US20020174160A1 (en) * 2001-05-21 2002-11-21 Jean-Marie Gatto Trusted transactional controller

Also Published As

Publication number Publication date
AU2003279500A1 (en) 2004-06-07
WO2004043047A2 (en) 2004-05-21
IL152626A0 (en) 2003-06-24
AU2003279500A8 (en) 2004-06-07

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