CN1429380A - 预支付帐户的信贷划帐方法 - Google Patents

预支付帐户的信贷划帐方法 Download PDF

Info

Publication number
CN1429380A
CN1429380A CN01809547A CN01809547A CN1429380A CN 1429380 A CN1429380 A CN 1429380A CN 01809547 A CN01809547 A CN 01809547A CN 01809547 A CN01809547 A CN 01809547A CN 1429380 A CN1429380 A CN 1429380A
Authority
CN
China
Prior art keywords
account
credit
sim card
card
carried out
Prior art date
Legal status (The legal status 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 status listed.)
Pending
Application number
CN01809547A
Other languages
English (en)
Inventor
P·杜梅
B·韦尔梅勒
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Gemplus SA
Original Assignee
Gemplus SA
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 Gemplus SA filed Critical Gemplus SA
Publication of CN1429380A publication Critical patent/CN1429380A/zh
Pending legal-status Critical Current

Links

Classifications

    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07FCOIN-FREED OR LIKE APPARATUS
    • G07F17/00Coin-freed apparatus for hiring articles; Coin-freed facilities or services
    • G07F17/0014Coin-freed apparatus for hiring articles; Coin-freed facilities or services for vending, access and use of specific services not covered anywhere else in G07F17/00
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/342Cards defining paid or billed services or quantities
    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07FCOIN-FREED OR LIKE APPARATUS
    • G07F7/00Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/02Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices
    • G07F7/025Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices by means, e.g. cards, providing billing information at the time of purchase, e.g. identification of seller or purchaser, quantity of goods delivered or to be delivered
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04MTELEPHONIC COMMUNICATION
    • H04M15/00Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04MTELEPHONIC COMMUNICATION
    • H04M15/00Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
    • H04M15/68Payment of value-added services
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04MTELEPHONIC COMMUNICATION
    • H04M17/00Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04MTELEPHONIC COMMUNICATION
    • H04M17/00Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H04M17/10Account details or usage
    • H04M17/106Account details or usage using commercial credit or debit cards
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04MTELEPHONIC COMMUNICATION
    • H04M17/00Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H04M17/20Prepayment of wireline communication systems, wireless communication systems or telephone systems with provision for recharging the prepaid account or card, or for credit establishment
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04MTELEPHONIC COMMUNICATION
    • H04M17/00Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H04M17/20Prepayment of wireline communication systems, wireless communication systems or telephone systems with provision for recharging the prepaid account or card, or for credit establishment
    • H04M17/201Prepayment of wireline communication systems, wireless communication systems or telephone systems with provision for recharging the prepaid account or card, or for credit establishment automatic recharging with predetermined amount at threshold
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04WWIRELESS COMMUNICATION NETWORKS
    • H04W4/00Services specially adapted for wireless communication networks; Facilities therefor
    • H04W4/24Accounting or billing
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04MTELEPHONIC COMMUNICATION
    • H04M17/00Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H04M2017/14Prepayment of wireline communication systems, wireless communication systems or telephone systems using commercial credit/debit cards, e.g. VISA, AMEX
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04MTELEPHONIC COMMUNICATION
    • H04M2215/00Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/01Details of billing arrangements
    • H04M2215/0196Payment 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
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04MTELEPHONIC COMMUNICATION
    • H04M2215/00Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/20Technology dependant metering
    • H04M2215/2026Wireless network, e.g. GSM, PCS, TACS
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04MTELEPHONIC COMMUNICATION
    • H04M2215/00Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/32Involving wireless systems

Landscapes

  • Engineering & Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Signal Processing (AREA)
  • Computer Security & Cryptography (AREA)
  • Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • Accounting & Taxation (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Mobile Radio Communication Systems (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Meter Arrangements (AREA)

Abstract

本发明涉及通过电信网络对预支付帐户进行信贷划帐的方法,所述方法包括:在终端SIM卡中记录存储识别至少一个银行卡的数据。当执行存储在所述卡中的程序时,将识别该银行卡或者若干银行卡之一以及想要信贷划帐的金额的数据发送给预支付帐户管理服务器。该预支付帐户管理服务验证银行卡的有效性,请求对想要信贷划帐的金额进行授权,并且将交易报告(确认/失败)发送给终端SIM卡。

Description

预支付帐户的信贷划帐方法
本发明涉及使用预支付帐户的电子商务,具体而言涉及利用蜂窝无线电话基础设施的电子商务。
预支付帐户通常用于,例如,提供无预订的无线电服务。因此用户可以轻易地控制其通信量但是当其信贷金额用完时,必须向其帐户注满资金。有各种各样的用于帐户信贷划帐方法,最常用的是使用刷式卡(scratch card),该种卡上输有代码并且覆盖有一层可清除的不透明表面。用户购买该卡之后将所述可清除表面去掉以读取所述代码,这样用户可以与操作员进行通信。操作员查验代码的有效性,并从该预支付帐户上信贷划帐与之相关的金额。
该***特别适合于GSM型蜂窝无线电话,因为所述帐户与SIM(用户识别模块)智能***相关。另一方面,它不太适合移动电子商务,因为用户保持匿名状态,并且不能确保交易的不会出现拒绝清偿。
类似地,简单发送识别支付卡的数据不能提供充分的安全性,因为所述数据可能会对应一个假支付卡或者一个被欺诈使用的支付卡。
在GSM型的蜂窝无线电话网络中,配有给用户提供基于执行SIM卡中应用程序的应用服务。这些服务由一种通常被称为SIM应用工具箱的标准技术来实现。一种已知为促活性(proactivity)的具体功能使SIM卡在运行程序的过程中向外(终端、用户、和网络)发出请求。
本发明的目的是提出一种使用现有无线电话基础设施的对预支付帐户进行信贷划帐的方法,该方法特别适合于移动电子商务。
为此目的,提出一种利用电信网络对预支付帐户进行信贷划帐的方法,其特征在于该方法包括以下步骤:
-在终端的SIM卡的存储器中,记录识别至少一个支付卡的数据,
-执行存储在SIM卡中的程序,发送预支付帐户数据给服务管理,所述数据用于识别该支付卡或者若干支付卡之一以及信贷划帐的金额,
-查验支付卡的有效性并请求对信贷划帐的金额授权,
-由管理该预支付帐户的程序将关于所述交易的报告发送给SIM卡。
以这种方式,可以对预支付帐户进行信贷划帐而没有拒绝清偿风险并且能够限制欺诈的风险,而与此同时对用户来说仍然使用方便。
可以在由该预支付帐户的管理服务器向SIM卡发送一个对该预支付帐户进行信贷划帐的请求之后实施执行本发明方法的程序的步骤。
当所述支付卡的拥有者到场时,可以由值得信任的人使用专用终端记录所述数据。
根据本发明的方法可以包括以下步骤:将与该支付卡或者若干支付卡之一相关的个人代码记录在SIM卡中;当记录在SIM卡中的程序被执行时,如果所述代码已经记录在该SIM卡中,用户必须提供与他想要使用的支付卡相关的个人代码。
在根据本发明的预支付帐户的信贷划帐方法中,利用SMS信息进行SIM卡与管理该预支付帐户的服务器之间的传送;并且由于使用记录在SIM卡的存储器中的专用密钥确保了SIM卡与预支付帐户管理服务器之间传输的机密性和/或完整性。
通过阅读以下对本发明若干优选实施方案的说明可以更清楚地了解本发明地其它特征和优点。
根据本发明,有必要将支付卡的数据,通常为***、卡的失效日期以及卡拥有者的姓名登记在有待使用便携式电话的SIM卡的存储器中。在所述记录阶段,用户亲自到可信任人处证实他确实是支付卡的合法拥有者。该可信任人可以例如是无线电话运营商的雇员或者是与无线电话运营商签有协议的银行雇员。通过专用终端,该可信任的人将支付卡数据记录到便携式电话的SIM卡的存储器中。所述数据可以通过手工输入或者通过支付卡阅读器自动输入以避免在输入和读取过程中出错。该支付卡的拥有者可以定义一个个人代码,所述代码记录在SIM卡中并用来验证任何与该SIM卡相关的预支付帐户的信贷划帐操作。所述终端利用加密方法执行一个具体计算机程序以产生一个被记录在SIM卡中的管理代码。该管理代码对随后任何修改包含在文件中的数据是必要的。例如,为了重新定义个人代码,如果所述个人代码被支付卡的拥有者遗忘。
可选地,在SIM卡中可以利用管理代码以及有可能的化,针对各支付卡的个人代码来记录若干支付卡。
因此,支付卡的拥有者必须到配备专用终端的可信任人处进行任何向SIM卡存储器中增加或者消除支付卡。
包含SIM卡的无线电话终端的用户不必是该支付卡的拥有者。通过这种方式,父母可以轻易地对其子女的预支付帐户进行信贷划帐,该帐户随后由其子女在支付电话帐单和购物时使用。
在根据本发明的第一实施方案对预支付进行信贷划帐时,顾客通过其无线电话终端访问SIM卡的专门菜单。借助于所述菜单,使用安全代码可以有选择地保护对该菜单的访问,顾客定义其想要的划帐金额。如果可行的化,顾客选择一个支付卡,该支付卡的数据已经记录在SIM卡中,并输入与该卡相关的个人识别代码。
通常,利用SMS(短信服务)信息,SIM卡中所包含的应用程序将交易数据进行格式化以将这些数据发送到管理所述预支付帐户的服务器。
利用常规的检验支付卡和对所信贷的额度的授权请求的有效性装置,所述管理服务器处理该交易请求,并且也通过SMS信息向SIM卡发回关于所述交易的报告(确认或者失败)。
可选地,使用专用密钥可以将SMS信息设成保密,在这种情况下,在其专用化期间,该专用密钥必须被记录在SIM卡上。可选地,通过计算MAC(信息鉴别代码)可以确保SMS信息的完整性,也可以通过专用密钥进行。
在本发明的第二实施方案中,是由向SIM卡发送信贷划帐请求的帐户管理服务器,通常利用SMS信息进行。
一旦所述SIM卡已经接收到所述信息,采用与第一实施方案相同的方式进行信贷划帐。
可选地,通过利用专用密钥的签名或者通过包含在SMS中地原始地址对所述帐户管理进行鉴定。
所述预支付帐户的利用不局限于移动电话。在交易额超过帐户信贷的情况下,零售服务器利用所述预支付帐户管理服务器进行自身鉴定,这可以发送一个根据第二实施方案的请求。
当然,并非必须使用SMS信息来实施本发明:任何其它可使用的渠道都可以发送在此所用的信息。

Claims (6)

1.利用电信网路对预支付帐户进行信贷划帐的方法,其特征在于所述方法包括以下步骤:
-在终端SIM卡的存储器中,记录识别至少一个支付卡的数据,
-执行存储在SIM卡中的程序,发送预支付帐户数据给服务管理,所述数据用于识别该支付卡或者若干支付卡之一以及信贷划帐的金额,
-查验支付卡的有效性和请求对所信贷的金额授权,
-由管理预支付帐号的程序发送一个关于所述交易的报告给SIM卡。
2.根据权利要求1的对预支付帐户进行信贷划帐的方法,其特征在于:在由预支付帐户管理服务器发送一个对该预支付帐户进行信贷划帐的请求给SIM卡之后实施程序执行的步骤。
3.根据权利要求1或者2的对预支付帐户进行信贷划帐的方法,其特征在于:在所述支付卡拥有者到场的情况下,由可以信任的人使用专用终端记录数据。
4.根据上述权利要求任何之一的对预支付帐户进行信贷划帐的方法,其特征在于:
-将与所述卡或者若干支付卡之一相关的个人代码记录在所述SIM卡的存储器中
-在执行程序期间,用户必须提供与其想要使用的支付卡相关的个人代码,如果所述代码已经被记录在该SIM卡中。
5.根据上述权利要求任何之一的对预支付帐户进行信贷划帐的方法,其特征在于:通过SMS信息在SIM卡与预支付帐户管理服务器之间进行所述的传送。
6.根据上述权利要求任何之一的对预支付帐户进行信贷划帐的方法,其特征在于:通过使用记录在SIM卡中的专用密钥来确保在SIM卡与预支付帐户管理服务器之间的传送的保密性和/或完整性。
CN01809547A 2000-05-16 2001-05-07 预支付帐户的信贷划帐方法 Pending CN1429380A (zh)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
FR00/06340 2000-05-16
FR0006340A FR2809260B1 (fr) 2000-05-16 2000-05-16 Procede d'approvisionnement d'un compte prepaye

Publications (1)

Publication Number Publication Date
CN1429380A true CN1429380A (zh) 2003-07-09

Family

ID=8850355

Family Applications (1)

Application Number Title Priority Date Filing Date
CN01809547A Pending CN1429380A (zh) 2000-05-16 2001-05-07 预支付帐户的信贷划帐方法

Country Status (6)

Country Link
US (1) US20030166396A1 (zh)
EP (1) EP1285411A1 (zh)
CN (1) CN1429380A (zh)
AU (1) AU2001258507A1 (zh)
FR (1) FR2809260B1 (zh)
WO (1) WO2001088861A1 (zh)

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN106447338A (zh) * 2015-08-12 2017-02-22 戴见霖 无纸支付***及其方法

Families Citing this family (17)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
DE10305621B4 (de) * 2003-02-11 2004-12-16 Holger Leusch Verfahren und Vorrichtung zur Nutzung von Pre-Paid- oder Calling Card Dienstleistungen für Mobiltelefone
DE10307660A1 (de) * 2003-02-21 2004-09-09 Walter Rosenbusch Verfahren und Einrichtung zur Abgabe von für den Betrieb von Mobilfunktelefonen benötigten gebührenpflichtigen Codes oder dergleichen
FI20030948A0 (fi) 2003-06-26 2003-06-26 Nokia Corp Menetelmä ja laitejärjestely ennakkomaksuliittymän toteuttamiseksi ja menetelmää hyödyntävä ennakkomaksupääte ja solukkoverkon päätelaite
US20050250537A1 (en) * 2004-05-07 2005-11-10 Narea Jaime M Wireless pay telephone system using multiple subscriber identification module (SIM) cards
US20060155641A1 (en) * 2004-12-21 2006-07-13 Richard Postrel Prepaid card with multiple depositors
US8447700B2 (en) * 2005-10-11 2013-05-21 Amazon Technologies, Inc. Transaction authorization service
US8352376B2 (en) * 2005-10-11 2013-01-08 Amazon Technologies, Inc. System and method for authorization of transactions
US8239326B1 (en) 2007-09-19 2012-08-07 Amazon Technologies, Inc. Method and apparatus for authorizing transactions using transaction phrases in a transaction authorization service
EP2040413B1 (en) * 2007-09-21 2013-06-19 Nokia Siemens Networks Oy Subscription and advice of charge control
US8620826B2 (en) * 2008-03-27 2013-12-31 Amazon Technologies, Inc. System and method for receiving requests for tasks from unregistered devices
US8244592B2 (en) * 2008-03-27 2012-08-14 Amazon Technologies, Inc. System and method for message-based purchasing
US8204827B1 (en) 2008-03-27 2012-06-19 Amazon Technologies, Inc. System and method for personalized commands
US9894216B2 (en) 2013-08-07 2018-02-13 Miltech Platform, Inc. Methods and systems for telecommunication messaging and real-time replenishment systems
WO2015021336A1 (en) * 2013-08-07 2015-02-12 Lu Dat The Methods and systems for top-up
CN103716778A (zh) * 2013-09-25 2014-04-09 北京握奇数据***有限公司 移动终端客户端和智能卡结合实现远程业务的方法及***
WO2015133975A1 (en) 2014-03-04 2015-09-11 Metamorfoz Bi̇li̇şi̇m Teknoloji̇leri̇ Sanayi̇ Ve Ti̇caret Anoni̇m Şi̇rketi̇ A method for prepaid mobile phone top-up and a system performing thereof
US9706372B2 (en) * 2014-04-03 2017-07-11 General Motors Llc Secure SMS messaging

Family Cites Families (11)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
DE4419651C2 (de) * 1994-06-04 1998-01-29 Deutsche Telekom Mobil Verfahren zur Berechnung von Gebühren
ZA956867B (en) * 1994-08-19 1996-03-22 Alcatel Nv Telephony accounts method
FI99071C (fi) * 1995-02-15 1997-09-25 Nokia Mobile Phones Ltd Menetelmä sovellusten käyttämiseksi matkaviestimessä ja matkaviestin
TW355899B (en) * 1997-01-30 1999-04-11 Qualcomm Inc Method and apparatus for performing financial transactions using a mobile communication unit
AU7061098A (en) * 1997-04-15 1998-11-11 Non Can Jam Trading (Pty) Limited Method for electronically vending, distributing, and recharging of pre-p aid value, a vending machine and an electronic system for use therein
US6036090A (en) * 1997-07-17 2000-03-14 Telefonaktiebolaget Lm Ericsson Automated prepayment method for mobile terminals
FR2780800B1 (fr) * 1998-07-03 2000-09-08 Sagem Procede de paiement electronique
US7248855B2 (en) * 1998-09-15 2007-07-24 Upaid Systems, Ltd. Convergent communications system and method with a rule set for authorizing, debiting, settling and recharging a mobile commerce account
FI991105A (fi) * 1999-05-14 2000-11-15 Nokia Networks Oy Menetelmä ja digitaalinen matkaviestinjärjestelmä
FI19991918A (fi) * 1999-09-09 2001-03-09 Nokia Mobile Phones Ltd Menetelmä ja järjestely liittymän hallitsemiseksi matkaviestinjärjestelmässä
US8903737B2 (en) * 2000-04-25 2014-12-02 Accenture Global Service Limited Method and system for a wireless universal mobile product interface

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN106447338A (zh) * 2015-08-12 2017-02-22 戴见霖 无纸支付***及其方法

Also Published As

Publication number Publication date
AU2001258507A1 (en) 2001-11-26
FR2809260A1 (fr) 2001-11-23
FR2809260B1 (fr) 2003-07-18
WO2001088861A1 (fr) 2001-11-22
US20030166396A1 (en) 2003-09-04
EP1285411A1 (fr) 2003-02-26

Similar Documents

Publication Publication Date Title
EP1136961B1 (en) System and process for remote payments and transactions in real time by mobile telephone
KR100554695B1 (ko) 이동통신단말
US7533065B2 (en) Advanced method and arrangement for performing electronic payment transactions
CN1429380A (zh) 预支付帐户的信贷划帐方法
RU2242795C2 (ru) Способ осуществления безналичных расчетов и система для осуществления способа
KR100446480B1 (ko) 카드정보를 기억하는 메모리를 가진 이동통신단말의사용금지방법, 이동통신망 및 이동통신단말
US7610040B2 (en) Method and system for detecting possible frauds in payment transactions
US8639215B2 (en) SIM-centric mobile commerce system for deployment in a legacy network infrastructure
US6516996B1 (en) Electronic payment system
CN101093566A (zh) 一种安全的移动支付***、设备及方法
US20040267618A1 (en) Method and system for secured transactions over a wireless network
US20010005832A1 (en) Transaction system and method
US20020152177A1 (en) Method and arrangement for electronically transferring an amount of money from a credit account memory
EP2989603A1 (en) Self authentication
NO309346B1 (no) Fremgangsmåte for å utföre pengetransaksjoner ved hjelp av et mobiltelefonsystem
US7356515B2 (en) Method and system for transferring an electronic sum of money from a credit memory
US20100049655A1 (en) Method and system for securely executing a charge transaction
US20020156728A1 (en) Method and arrangement for the transmission of an electronic sum of money from a credit reserve by wap
US20240232853A9 (en) Payment card, authentication method and use for a remote payment
US20240135359A1 (en) Payment card, authentication method and use for a remote payment
KR100664878B1 (ko) Ic칩을 이용한 결제 방법 및 시스템
KR20080083102A (ko) 휴대폰

Legal Events

Date Code Title Description
C06 Publication
PB01 Publication
C10 Entry into substantive examination
SE01 Entry into force of request for substantive examination
C02 Deemed withdrawal of patent application after publication (patent law 2001)
WD01 Invention patent application deemed withdrawn after publication