ES2533227R1 - Method and electronic telepayment system - Google Patents

Method and electronic telepayment system Download PDF

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Publication number
ES2533227R1
ES2533227R1 ES201300530A ES201300530A ES2533227R1 ES 2533227 R1 ES2533227 R1 ES 2533227R1 ES 201300530 A ES201300530 A ES 201300530A ES 201300530 A ES201300530 A ES 201300530A ES 2533227 R1 ES2533227 R1 ES 2533227R1
Authority
ES
Spain
Prior art keywords
payment
buyer
seller
electronic
electronic device
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.)
Granted
Application number
ES201300530A
Other languages
Spanish (es)
Other versions
ES2533227A2 (en
ES2533227B2 (en
Inventor
José Francisco MANSO BERNÁRDEZ
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.)
Individual
Original Assignee
Individual
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 Individual filed Critical Individual
Priority to ES201300530A priority Critical patent/ES2533227B2/en
Publication of ES2533227A2 publication Critical patent/ES2533227A2/en
Publication of ES2533227R1 publication Critical patent/ES2533227R1/en
Application granted granted Critical
Publication of ES2533227B2 publication Critical patent/ES2533227B2/en
Active legal-status Critical Current
Anticipated expiration legal-status Critical

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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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • 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

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Security & Cryptography (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Storage Device Security (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

Método y sistema de telepago electrónico.#La presente invención se refiere a un método y un sistema de telepago electrónico para realizar un pago entre un comprador y un vendedor que comprende recibir, en un dispositivo electrónico del comprador, información de identificación del vendedor, datos bancarios del vendedor e información de identificación del pago; conectar un módulo de memoria externo al dispositivo electrónico con parámetros de cifrado asignados previamente al comprador; autentificar al comprador mediante un código PIN; cifrar en el dispositivo electrónico la información recibida, de acuerdo a los parámetros de cifrado; enviar un mensaje con la información cifrada a un módulo de pago a través de una red de telecomunicaciones; descifrar el mensaje recibido en el módulo de pago; y realizar el pago, de acuerdo a la información contenida en el mensaje descifrado, desde el módulo de pago a un módulo de cobro asociado al vendedor.Electronic telepayment method and system. # The present invention relates to an electronic telepayment method and system for making a payment between a buyer and a seller that comprises receiving, on an electronic device of the buyer, seller identification information, data seller's bank and payment identification information; connect an external memory module to the electronic device with encryption parameters previously assigned to the buyer; authenticate the buyer through a PIN code; encrypt the information received in the electronic device, according to the encryption parameters; send a message with the encrypted information to a payment module through a telecommunications network; decrypt the message received in the payment module; and make the payment, according to the information contained in the decrypted message, from the payment module to a payment module associated with the seller.

ES201300530A 2013-05-30 2013-05-30 Method and electronic telepayment system Active ES2533227B2 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
ES201300530A ES2533227B2 (en) 2013-05-30 2013-05-30 Method and electronic telepayment system

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
ES201300530A ES2533227B2 (en) 2013-05-30 2013-05-30 Method and electronic telepayment system

Publications (3)

Publication Number Publication Date
ES2533227A2 ES2533227A2 (en) 2015-04-08
ES2533227R1 true ES2533227R1 (en) 2015-05-08
ES2533227B2 ES2533227B2 (en) 2015-08-25

Family

ID=52774746

Family Applications (1)

Application Number Title Priority Date Filing Date
ES201300530A Active ES2533227B2 (en) 2013-05-30 2013-05-30 Method and electronic telepayment system

Country Status (1)

Country Link
ES (1) ES2533227B2 (en)

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP1326192A1 (en) * 2002-01-07 2003-07-09 S.W.I.F.T. sc E-commerce payment system
US20070203847A1 (en) * 2004-03-22 2007-08-30 Koninklijke Philips Electronic, N.V. Electronic payment of content
US20110208594A1 (en) * 2008-05-05 2011-08-25 Doro Joshua A Universal financial transaction system
US20130060701A1 (en) * 2010-05-06 2013-03-07 Chang Hwa Lyou Electronic payment service method, and electronic payment service apparatus, mobile communication terminal, and transaction terminal for performing the method

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP1326192A1 (en) * 2002-01-07 2003-07-09 S.W.I.F.T. sc E-commerce payment system
US20070203847A1 (en) * 2004-03-22 2007-08-30 Koninklijke Philips Electronic, N.V. Electronic payment of content
US20110208594A1 (en) * 2008-05-05 2011-08-25 Doro Joshua A Universal financial transaction system
US20130060701A1 (en) * 2010-05-06 2013-03-07 Chang Hwa Lyou Electronic payment service method, and electronic payment service apparatus, mobile communication terminal, and transaction terminal for performing the method

Also Published As

Publication number Publication date
ES2533227A2 (en) 2015-04-08
ES2533227B2 (en) 2015-08-25

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