JP2016186814A - エイリアスを使用したモバイル・ペイメントのシステム及び方法 - Google Patents
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- G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
- G06Q20/3255—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks using mobile network messaging services for payment, e.g. SMS
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- 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
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- G—PHYSICS
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- 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
- G06Q20/4012—Verifying personal identification numbers [PIN]
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- 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
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Abstract
Description
Claims (15)
- 所定の金額を受取人に支払うための要求を含む、また前記受取人に関連付けられた個人エイリアス、携帯消費者装置に関連付けられたエイリアス及び取引金額を含む支払要求メッセージであって、前記個人エイリアス、及び前記携帯消費者装置に関連付けられたエイリアスは、該個人エイリアス及び該関連付けられたエイリアスの両方が支払人と前記受取人に開示されている場合であっても、前記支払人と前記受取人の個人情報を、相互に秘密のままとすることを可能にする、前記支払要求メッセージを、前記支払人により操作される携帯電話から受信すること、
前記受取人に支払いを行うことを前記支払人が許可されているかを判定するために前記支払要求メッセージを分析すること、及び
前記支払人から前記受取人への支払いが行われたことを示す支払通知メッセージを前記受取人に送信すること
を含む方法。 - 前記支払人にPINの入力を求めるメッセージを含む認証要求メッセージを前記支払人に送信すること、及び
前記PINを受信すること
をさらに含む、請求項1に記載の方法。 - 受取人に支払われるべき金額、携帯消費者装置に関連付けられたエイリアス及び前記受取人に関連付けられた個人エイリアスを含む、また支払人により操作される携帯電話を介して前記支払人によって送信される支払要求メッセージであって、前記受取人に関連付けられた前記個人エイリアス、及び前記携帯消費者装置に関連付けられた前記エイリアスは、該個人エイリアスと該関連付けられたエイリアスの両方が支払人と前記受取人に開示されている場合であっても、前記前記支払人と前記受取人の個人情報を、相互に秘密のままとすることを可能にする、支払要求メッセージを前記支払人から受信すること、
前記携帯電話に送信される認証要求メッセージを、前記支払要求メッセージに応答して前記携帯電話に送信すること、
前記携帯電話を使用して前記支払人により送信される認証トークンを、前記認証要求メッセージを送信したことに応答して前記支払人から受信すること、
前記認証トークンが前記支払人に関連付けられていることを検証すること、及び
前記認証トークンが前記支払人に関連付けられていることが検証された場合には、前記エイリアスを使用して前記受取人への前記金額の支払いを開始すること
を含む方法。 - 前記携帯電話が第1の携帯電話であり、
さらに前記受取人により操作される第2の携帯電話に前記支払いの電子的通知を送信することを含む、請求項3に記載の方法。 - 前記支払要求メッセージがテキスト・メッセージの形態をとる、請求項3に記載の方法。
- 前記支払要求メッセージが電子メールの形態をとる、請求項3に記載の方法。
- 前記受取人に一意的に関連付けられた第1のエイリアスを作成するために、及び前記携帯消費者装置に関連付けられた第2のエイリアスを作成するために、要求された前記第1又は第2のエイリアスを指定する登録要求であって、前記受取人が、前記携帯電話を操作し、且つ前記第1又は第2のエイリアス及び前記携帯電話を使用して支払いを受け取る又は支払いを行うことができ、前記第1又は第2のエイリアスは、前記支払人と前記受取人の個人情報を、相互に秘密のままとすることを可能にする、前記登録要求を前記受取人から受信すること、
前記第1のエイリアスを、他の受取人に関連付けられた、先に登録されている他のエイリアスと比較すること、
前記要求された第1のエイリアスがまだ別の受取人に関連付けられていない場合、前記受取人に前記第1のエイリアスを登録すること、及び
前記受取人に前記携帯消費者装置に関連付けられた前記第2のエイリアスを登録すること、
を更に含む、請求項1に記載の方法。 - 携帯消費者装置に関連付けられたエイリアス、受取人に関連付けられたエイリアス及び支払われるべき金額を含む支払要求メッセージであって、前記受取人に関連付けられたエイリアス、及び前記携帯消費者装置に関連付けられたエイリアスは、該個人エイリアスと該関連付けられたエイリアスの両方が支払人と前記受取人に開示されている場合であっても、前記支払人と前記受取人の個人情報を、相互に秘密のままとすることを可能にする、支払要求メッセージを、携帯電話を使用して支払処理ネットワークに送信すること、
前記携帯電話を介して受信される認証要求メッセージを、前記支払要求メッセージに応答して受信すること、及び
前記認証要求メッセージに応答して認証トークンを送信すること
を含む方法。 - 請求項1、3、7又は8に記載の方法を実施するためのコードを含む、コンピュータ可読媒体。
- 請求項8に記載の方法を実施するためのコードを含むコンピュータ可読媒体を含む、電話。
- 前記支払要求メッセージが支払処理機関に関連付けられた第3のエイリアスをさらに含む、請求項1、3又は8に記載の方法。
- 前記支払要求メッセージが支払人に関連付けられた第3のエイリアスをさらに含む、請求項1、3又は8に記載の方法。
- 前記第1又は第2のエイリアスの使用料を請求することをさらに有する、請求項7に記載の方法。
- 請求項1、3又は7に記載の方法を実行するように構成されるサーバ・コンピュータ。
- 請求項14に記載のサーバ・コンピュータと携帯電話を有するシステム。
Applications Claiming Priority (4)
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US87189806P | 2006-12-26 | 2006-12-26 | |
US60/871,898 | 2006-12-26 | ||
US11/767,033 | 2007-06-22 | ||
US11/767,033 US7848980B2 (en) | 2006-12-26 | 2007-06-22 | Mobile payment system and method using alias |
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JP2014023458A Division JP6239399B2 (ja) | 2006-12-26 | 2014-02-10 | エイリアスを使用したモバイル・ペイメントのシステム及び方法 |
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JP2016186814A true JP2016186814A (ja) | 2016-10-27 |
JP6294398B2 JP6294398B2 (ja) | 2018-03-14 |
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JP2009544207A Pending JP2010515165A (ja) | 2006-12-26 | 2007-12-20 | エイリアスを使用したモバイル・ペイメントのシステム及び方法 |
JP2014023458A Active JP6239399B2 (ja) | 2006-12-26 | 2014-02-10 | エイリアスを使用したモバイル・ペイメントのシステム及び方法 |
JP2016136953A Active JP6294398B2 (ja) | 2006-12-26 | 2016-07-11 | エイリアスを使用したモバイル・ペイメントのシステム及び方法 |
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JP2009544207A Pending JP2010515165A (ja) | 2006-12-26 | 2007-12-20 | エイリアスを使用したモバイル・ペイメントのシステム及び方法 |
JP2014023458A Active JP6239399B2 (ja) | 2006-12-26 | 2014-02-10 | エイリアスを使用したモバイル・ペイメントのシステム及び方法 |
Country Status (7)
Country | Link |
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US (3) | US7848980B2 (ja) |
EP (1) | EP2109850A4 (ja) |
JP (3) | JP2010515165A (ja) |
AU (1) | AU2007340015B2 (ja) |
BR (1) | BRPI0722055A2 (ja) |
CA (1) | CA2673983A1 (ja) |
WO (1) | WO2008083022A1 (ja) |
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US20080154772A1 (en) | 2008-06-26 |
AU2007340015A1 (en) | 2008-07-10 |
US20110040686A1 (en) | 2011-02-17 |
JP2010515165A (ja) | 2010-05-06 |
JP2014132474A (ja) | 2014-07-17 |
US20150310428A1 (en) | 2015-10-29 |
EP2109850A4 (en) | 2013-03-27 |
BRPI0722055A2 (pt) | 2014-04-01 |
WO2008083022A1 (en) | 2008-07-10 |
AU2007340015B2 (en) | 2012-07-26 |
EP2109850A1 (en) | 2009-10-21 |
JP6239399B2 (ja) | 2017-11-29 |
US7848980B2 (en) | 2010-12-07 |
JP6294398B2 (ja) | 2018-03-14 |
CA2673983A1 (en) | 2008-07-10 |
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