ES2533227R1 - Method and electronic telepayment system - Google Patents
Method and electronic telepayment system Download PDFInfo
- 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
Links
Classifications
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- 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
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- 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
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- 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
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- 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
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- 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.
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)
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 |
-
2013
- 2013-05-30 ES ES201300530A patent/ES2533227B2/en active Active
Patent Citations (4)
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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FG2A | Definitive protection |
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