BR0316141A - Método de contabilização de transações eletrônicas e método de efetivação de transações eletrônicas por telefone - Google Patents

Método de contabilização de transações eletrônicas e método de efetivação de transações eletrônicas por telefone

Info

Publication number
BR0316141A
BR0316141A BR0316141-2A BR0316141A BR0316141A BR 0316141 A BR0316141 A BR 0316141A BR 0316141 A BR0316141 A BR 0316141A BR 0316141 A BR0316141 A BR 0316141A
Authority
BR
Brazil
Prior art keywords
transaction
payer
electronic
accounting system
accounting
Prior art date
Application number
BR0316141-2A
Other languages
English (en)
Inventor
Henryk Kulakowski
Original Assignee
Henryk Kulakowski
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
Priority claimed from PL02357403A external-priority patent/PL357403A1/xx
Priority claimed from PL02357402A external-priority patent/PL357402A1/xx
Priority claimed from PL03363338A external-priority patent/PL363338A1/xx
Application filed by Henryk Kulakowski filed Critical Henryk Kulakowski
Publication of BR0316141A publication Critical patent/BR0316141A/pt

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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/305—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wired telephone 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
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • 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
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking 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
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102—Bill distribution or payments
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/18—Payment architectures involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
    • 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
    • G06Q30/06—Buying, selling or leasing transactions

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Finance (AREA)
  • Theoretical Computer Science (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Computer Security & Cryptography (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Marketing (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Telephonic Communication Services (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)

Abstract

"MéTODO DE CONTABILIZAçãO DE TRANSAçõES ELETRôNICAS E MéTODO DE EFETIVAçãO DE TRANSAçõES ELETRôNICAS POR TELEFONE". Um método de contabilização de transações eletrônicas onde a transação é iniciada pelo pagador (1) a partir de um terminal eletrônico, a operação faz com que os seguintes sejam entregues ao sistema de contabilização (3): o código de transação (A), descrevendo o tipo de transação selecionada, a quantia (B), descrevendo o valor da transação, a identificação do pagador (D), a qual é explicitamente atribuída ao pagador (1) específico, e a identificação do recebedor (C), a qual é atribuída ao recebedor (2), e, a seguir, o sistema de contabilização (3) verifica se o pagador (1) é um usuário autorizado, verifica, também, se o beneficiário com a identificação do recebedor (C) fornecida existe e quais os tipos de transação são suportadas por este beneficiário, bem como se a quantia especificada (B) está disponível na conta de pagamento (4) do pagador (1), depois disto o sistema de contabilização (3) envia a informação cumulativa sobre a transação (E) ao pagador (1), a qual irá incluir, preferencialmente, informações adicionais sobre a transação, enquanto ao pagador (1) é requerido que se aceite a transação, que se corrija ou complete os dados, uma vez recebida a aceitação para transação (F), o sistema de contabilização (3) efetua a contabilização da transação (G) na conta de pagamento (4) e envia a confirmação de pagamento (H) ao recebedor (2), que irá incluir, preferencialmente, informações adicionais sobre o pagador (1), que não estão diretamente relacionadas com a contabilização da transação, bem como a confirmação da transação (J) ao pagador (1), que conterá preferencialmente informações adicionais (I) entregues ao sistema de contabilização (3) pelo recebedor (2). Um método de efetuação de transações eletrônicas por telefone onde a transação é iniciada pelo estabelecimento de uma conexão entre o telefone (5) do pagador (1) com os servidores (6) do sistema de contabilização (3), onde os parâmetros da transação são especificados diretamente na seqüência (S) discada no telefone (5) no curso da conexão sendo iniciada e sendo enviada via rede de telecomunicações (7) para os servidores (6) com a identificação do pagador (D) do telefone (5), considerando que quaisquer parâmetros faltantes da transação são preferencialmente completados pelo pagador (1) durante a sessão de conexão, e a confirmação da transação via telefone (5) é enviada pelo sistema de contabilização (3) alternativamente após o término da conexão.
BR0316141-2A 2002-11-27 2003-11-24 Método de contabilização de transações eletrônicas e método de efetivação de transações eletrônicas por telefone BR0316141A (pt)

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
PL02357403A PL357403A1 (en) 2002-11-27 2002-11-27 Method of effecting payment using telephone set and ussd codes
PL02357402A PL357402A1 (en) 2002-11-27 2002-11-27 Method of effecting payment using telephone set with dtmf tone dialling
PL03363338A PL363338A1 (en) 2003-11-06 2003-11-06 Method for settling electronic transactions
PCT/PL2003/000129 WO2004049271A2 (en) 2002-11-27 2003-11-24 Method of accounting electronic transactions and method of effecting electronic transactions via phone

Publications (1)

Publication Number Publication Date
BR0316141A true BR0316141A (pt) 2005-10-11

Family

ID=32397779

Family Applications (1)

Application Number Title Priority Date Filing Date
BR0316141-2A BR0316141A (pt) 2002-11-27 2003-11-24 Método de contabilização de transações eletrônicas e método de efetivação de transações eletrônicas por telefone

Country Status (11)

Country Link
US (1) US7533058B2 (pt)
EP (1) EP1602086A2 (pt)
KR (1) KR20050086789A (pt)
AU (1) AU2003285840A1 (pt)
BR (1) BR0316141A (pt)
CA (1) CA2507800A1 (pt)
CR (1) CR7887A (pt)
EA (1) EA007365B1 (pt)
MA (1) MA27572A1 (pt)
NZ (1) NZ540886A (pt)
WO (1) WO2004049271A2 (pt)

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US8725607B2 (en) 2004-01-30 2014-05-13 The Clearing House Payments Company LLC Electronic payment clearing and check image exchange systems and methods
DE102005035287A1 (de) * 2005-07-28 2007-02-01 Deutsche Telekom Ag Verfahren und System zur Nutzung von ortsbasierten Diensten für mobile Endgeräte
US8874477B2 (en) 2005-10-04 2014-10-28 Steven Mark Hoffberg Multifactorial optimization system and method
US8352323B2 (en) * 2007-11-30 2013-01-08 Blaze Mobile, Inc. Conducting an online payment transaction using an NFC enabled mobile communication device
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CA2774713A1 (en) 2009-08-14 2011-02-17 Payfone, Inc. System and method for paying a merchant using a cellular telephone account
TW201218102A (en) * 2010-10-22 2012-05-01 Innovation Wireless Inc Business mobile communication system
WO2012060878A2 (en) * 2010-11-03 2012-05-10 Payfone, Inc. System and method for charging a customer's cellular device account or other account
US20150227900A1 (en) * 2012-08-23 2015-08-13 Gcs International, Ltd. Business to business invoice generation and payment system and method using mobile phones
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US11295308B1 (en) 2014-10-29 2022-04-05 The Clearing House Payments Company, L.L.C. Secure payment processing
US10304042B2 (en) 2014-11-06 2019-05-28 Early Warning Services, Llc Location-based authentication of transactions conducted using mobile devices
US11042882B2 (en) 2015-07-01 2021-06-22 The Clearing House Payments Company, L.L.C. Real-time payment system, method, apparatus, and computer program
US11694168B2 (en) 2015-07-01 2023-07-04 The Clearing House Payments Company L.L.C. Real-time payment system, method, apparatus, and computer program
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CN106530419B (zh) * 2016-10-09 2019-01-29 北京悦畅科技有限公司 一种停车费缴付方法、服务器和***
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Also Published As

Publication number Publication date
US7533058B2 (en) 2009-05-12
WO2004049271A3 (en) 2004-07-29
KR20050086789A (ko) 2005-08-30
NZ540886A (en) 2008-02-29
EA007365B1 (ru) 2006-10-27
US20040143545A1 (en) 2004-07-22
AU2003285840A1 (en) 2004-06-18
EP1602086A2 (en) 2005-12-07
EA200500884A1 (ru) 2005-12-29
MA27572A1 (fr) 2005-10-03
WO2004049271A2 (en) 2004-06-10
CA2507800A1 (en) 2004-06-10
CR7887A (es) 2006-08-18

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Ipc: G06Q 30/06 (2012.01), G06Q 20/02 (2012.01), G06Q 2