PT103296A - METHOD OF MAKING ELECTRONIC PAYMENTS AND A SYSTEM IMPLEMENTING THE REFERENCE METHOD - Google Patents
METHOD OF MAKING ELECTRONIC PAYMENTS AND A SYSTEM IMPLEMENTING THE REFERENCE METHOD Download PDFInfo
- Publication number
- PT103296A PT103296A PT103296A PT10329605A PT103296A PT 103296 A PT103296 A PT 103296A PT 103296 A PT103296 A PT 103296A PT 10329605 A PT10329605 A PT 10329605A PT 103296 A PT103296 A PT 103296A
- Authority
- PT
- Portugal
- Prior art keywords
- call
- server
- electronic payments
- service
- user
- Prior art date
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
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
- G06Q20/3223—Realising banking transactions through M-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
- G06Q20/30—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
- G06Q20/326—Payment applications installed on the mobile devices
Landscapes
- Engineering & Computer Science (AREA)
- Business, Economics & Management (AREA)
- Computer Networks & Wireless Communication (AREA)
- Accounting & Taxation (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Telephonic Communication Services (AREA)
- Mobile Radio Communication Systems (AREA)
- Meter Arrangements (AREA)
Abstract
A PRESENTE INVENÇÃO DIZ RESPEITO A UM MÉTODO DE EFECTUAR PAGAMENTOS ELECTRÓNICOS UTILIZANDO UM DISPOSITIVO MÓVEL DE COMUNICAÇÃO, TAL COMO UM TELEMÓVEL, BEM COM A UM SISTEMA QUE IMPLEMENTA ESSE MÉTODO. O MÉTODO E SISTEMA FUNCIONA ATRAVÉS DA REALIZAÇÃO DE UMA CHAMADA A PARTIR DE UM TELEMÓVEL PARA UM NÚMERO ASSOCIADO A UM PRODUTO OU SERVIÇO QUE SE PRETENDE PAGAR. A CHAMADA É RECEBIDA POR UM SERVIDOR QUE IDENTIFICA O NÚMERO DO TELEMÓVEL E O NÚMERO MARCADO POR ESTE. O SERVIDOR ENCONTRA-SE LIGADO A UMA BASE DE DADOS QUE CONTÉM INFORMAÇÃO SOBRE O UTILIZADOR/CLIENTE E SOBRE O PRODUTO OU SERVIÇO DESEJADO. UMA APLICAÇÃO DE CONTROLO NO SERVIDOR, LIGADA A UM SISTEMA IVR AUTORIZA OU RECUSA A TRANSACÇÃO, ENVIANDO AO UTILIZADOR/CLIENTE UMA MENSAGEM DE VOZ CORRESPONDENTE ATRAVÉS DE UM CANAL ABERTO DE RETORNO. APÓS A CONCLUSÃO DO PROCESSO, O SERVIDOR REMOTO DESLIGA A CHAMADA QUE NUNCA FOI ATENDIDA. O MÉTODO E SISTEMA DA PRESENTE INVENÇÃO TEM A VANTAGEM DE SER MAIS RÁPIDA DO QUE OS OUTROS MÉTODOS E SISTEMAS DO ESTADO DA TÉCNICA E NÃO TER QUALQUER CUSTO DE TELECOMUNICAÇÕES.The present invention relates to a method of effecting electronic payments using a mobile communication device, such as a mobile telephone, as well as a system that implements this method. THE METHOD AND SYSTEM WORKS THROUGH THE CALLING OF A CALL FROM A MOBILE PHONE TO A NUMBER ASSOCIATED WITH A PRODUCT OR SERVICE YOU ARE INTENDING TO PAY. THE CALL IS RECEIVED BY A SERVER THAT IDENTIFIES THE NUMBER OF THE MOBILE PHONE AND THE NUMBER MARKED THEREOF. THE SERVER IS CONNECTED TO A DATABASE CONTAINING INFORMATION ABOUT THE USER / CUSTOMER AND ABOUT THE DESIRED PRODUCT OR SERVICE. A SERVER CONTROL APPLICATION, LINKED TO AN IVR SYSTEM AUTHORIZES OR REFUSES THE TRANSACTION, SENDING TO THE USER / CLIENT A CORRESPONDING VOICE MESSAGE THROUGH AN OPEN RETURN CHANNEL. AFTER THE CONCLUSION OF THE PROCESS, THE REMOTE SERVER SWITCH OFF THE CALL WHICH HAS NEVER BEEN SERVED. THE METHOD AND SYSTEM OF THE PRESENT INVENTION HAS THE ADVANTAGE OF BEING FASTER THAN THE OTHER METHODS AND SYSTEMS OF THE STATE OF THE TECHNIQUE AND NO COST OF TELECOMMUNICATIONS.
Priority Applications (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
PT103296A PT103296A (en) | 2005-06-27 | 2005-06-27 | METHOD OF MAKING ELECTRONIC PAYMENTS AND A SYSTEM IMPLEMENTING THE REFERENCE METHOD |
PCT/PT2006/000015 WO2007001197A1 (en) | 2005-06-27 | 2006-06-27 | Electronic payment method and system implementing said method |
Applications Claiming Priority (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
PT103296A PT103296A (en) | 2005-06-27 | 2005-06-27 | METHOD OF MAKING ELECTRONIC PAYMENTS AND A SYSTEM IMPLEMENTING THE REFERENCE METHOD |
Publications (1)
Publication Number | Publication Date |
---|---|
PT103296A true PT103296A (en) | 2006-12-29 |
Family
ID=37012110
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
PT103296A PT103296A (en) | 2005-06-27 | 2005-06-27 | METHOD OF MAKING ELECTRONIC PAYMENTS AND A SYSTEM IMPLEMENTING THE REFERENCE METHOD |
Country Status (2)
Country | Link |
---|---|
PT (1) | PT103296A (en) |
WO (1) | WO2007001197A1 (en) |
Families Citing this family (2)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
CN101731002A (en) | 2007-04-11 | 2010-06-09 | 维诺德·阿努帕姆 | System and method for delivering content to a user of a telephony device |
WO2009107102A2 (en) * | 2008-02-29 | 2009-09-03 | Transact Global (Private) Limited | Near-real-time payment transaction facilitation system |
Family Cites Families (8)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
DK175911B1 (en) * | 1997-05-26 | 2005-06-20 | Metax Olie As | Automatic fuel release system and method of refueling a vehicle |
US6327363B1 (en) * | 1998-04-17 | 2001-12-04 | Mci Worldcom, Inc. | Method and system for automated customer services |
JP3681937B2 (en) * | 1999-10-29 | 2005-08-10 | サンデン株式会社 | Cashless vending system |
US6584309B1 (en) * | 1999-12-16 | 2003-06-24 | The Coca-Cola Company | Vending machine purchase via cellular telephone |
US6850901B1 (en) * | 1999-12-17 | 2005-02-01 | World Theatre, Inc. | System and method permitting customers to order products from multiple participating merchants |
NL1015476C2 (en) * | 2000-06-20 | 2001-12-28 | Nedap Nv | Pump release and payment system via mobile phone. |
US20020073024A1 (en) * | 2000-12-07 | 2002-06-13 | Gilchrist Alexander Sandy Donald | System and methods of using wireless communication devices to conduct financial transactions |
FR2842382B1 (en) * | 2002-07-12 | 2004-11-26 | Radiotelephone Sfr | METHOD FOR USING A RADIOTELEPHONE TERMINAL AS A REMOTE CONTROL OF AUTOMATIC DEVICES PROVIDING PAYABLE SERVICES |
-
2005
- 2005-06-27 PT PT103296A patent/PT103296A/en not_active Application Discontinuation
-
2006
- 2006-06-27 WO PCT/PT2006/000015 patent/WO2007001197A1/en active Application Filing
Also Published As
Publication number | Publication date |
---|---|
WO2007001197A1 (en) | 2007-01-04 |
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Legal Events
Date | Code | Title | Description |
---|---|---|---|
BB1A | Laying open of patent application |
Effective date: 20050922 |
|
FC3A | Refusal |
Effective date: 20071016 |