WO2004081825A1 - Procede permettant d'effectuer un paiement via un reseau de telecommunications - Google Patents

Procede permettant d'effectuer un paiement via un reseau de telecommunications Download PDF

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Publication number
WO2004081825A1
WO2004081825A1 PCT/AU2004/000291 AU2004000291W WO2004081825A1 WO 2004081825 A1 WO2004081825 A1 WO 2004081825A1 AU 2004000291 W AU2004000291 W AU 2004000291W WO 2004081825 A1 WO2004081825 A1 WO 2004081825A1
Authority
WO
WIPO (PCT)
Prior art keywords
customer
telephone number
merchant
service provider
payment
Prior art date
Application number
PCT/AU2004/000291
Other languages
English (en)
Inventor
Mark Andrew Switkowski
Original Assignee
M-Comm Payway Pty Ltd
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 M-Comm Payway Pty Ltd filed Critical M-Comm Payway Pty Ltd
Publication of WO2004081825A1 publication Critical patent/WO2004081825A1/fr

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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
    • G06Q20/08—Payment architectures
    • G06Q20/16—Payments settled via telecommunication 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
    • G06Q20/04—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
    • G06Q20/22—Payment schemes or models
    • G06Q20/26—Debit schemes, e.g. "pay now"
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
    • H04M15/68—Payment of value-added services
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
    • H04M15/90—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP using Intelligent Networks [IN] or Advanced Intelligent Networks [AIN]
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/01—Details of billing arrangements
    • H04M2215/016—Billing using Intelligent Networks [IN] or Advanced Intelligent Networks [AIN]
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/01—Details of billing arrangements
    • H04M2215/0196—Payment 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
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/20—Technology dependant metering
    • H04M2215/2033—WLAN
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/20—Technology dependant metering
    • H04M2215/204—UMTS; GPRS

Definitions

  • This invention relates to a method of making a payment via a telecommunications network. It relates particularly but not exclusively to a method of making a payment from a customer to a merchant via a telecommunications network.
  • a range of compatible payment solutions has been developed, most of which rely on the use of credit cards.
  • a major disadvantage of payments charged to credit cards is the high cost of processing the transaction. Due to the high fixed transaction costs, it is usually not economically viable to charge small ticket items such as public transport tickets, vending machine purchases, movie tickets, lottery tickets and low cost kiosk purchases on credit card.
  • An object of the present invention is to overcome, alleviate or minimise one or more of the problems present in the prior art.
  • a method for making a payment from a customer to a merchant via a telecommunications network by making use of a service provider's billing engine including the following steps:
  • the service provider makes a payment to the merchant;
  • the service provider's billing engine adds the calling charge to an account associated with the customer's telephone number and invoices the customer.
  • the merchant may initiate the connection to the designated telephone number from an ordinary telephone associated with the merchant's telephone number and transfer the customer's telephone number to the service provider's billing engine by any suitable means including manual or electronic transfer. However, it is preferred that the merchant mimics the customer's telephone number in initiating the connection to the designated telephone number.
  • the telephone may be associated with any fixed or wireless telecommunications network.
  • Mimicking the customer's telephone number involves the merchant impersonating or "ghosting" the customer's telephone number when the connection to the designated telephone number is initiated, such that the service provider's billing engine adds a calling charge to an account associated with the customer's telephone number rather than an account associated with the merchant.
  • the merchant may receive from the customer the customer's telephone number by any suitable means, but in a preferred embodiment, the merchant receives the customer's telephone number via means of auto detection, which may include calling line identification technology.
  • the calling charge to be added to an account associated with the customer's telephone number should be at least approximately equal to the price has been incurred by the customer ordering the goods and/or services from the merchant.
  • a method for making a payment from a customer to a merchant via a telecommunications network by making use of a service provider's billing engine including the following steps:
  • the service provider makes a payment to the merchant; (d) the service provider's billing engine adds the calling charge or charges to an account associated with the customer's telephone number and invoices the customer.
  • the merchant may initiate the connection to the designated telephone number from a telephone associated with the merchant's telephone number and transfer the customer's telephone number to the service provider's billing engine by any suitable means, however it is preferred that the merchant mimics the customer's telephone number in initiating the connection to the designated telephone number or numbers.
  • the merchant may receive the customer's telephone number from the customer by any suitable means.
  • such means involves auto detection of the customer's telephone number by means which may include calling line identification technology.
  • a method of making a payment for goods and/or services from a customer to a merchant via a telecommunications network using a service provider's billing engine including the following steps:
  • an interactive order processing system receives the customer's telephone number
  • the interactive order processing system retrieves a transaction cost being at least approximately equal to the price of the goods and/or services;
  • the interactive order processing system transmits transaction data including the customer's telephone number and the transaction cost to a service provider's billing engine;
  • the service provider's billing engine adds the transaction cost to an account associated with the customer's telephone number and invoices the customer;
  • the service provider makes a payment to the merchant for an amount relating to the price of the goods and/or service.
  • the interactive order processing system could be a person who answers the telephone and processes the goods and/or services order manually.
  • the interactive order processing system will be an automated system.
  • the interactive order processing system could be facilitated by the use of the interactive voice response system (IVR).
  • IVR interactive voice response system
  • the transaction data at least includes the customer's telephone number and the transaction cost. However, the transaction data may further include a merchant identifier, a product description or verification information.
  • the transaction data may be transmitted to the service provider's billing engine via an online interface or interactive voice response system (IVR).
  • IVR interactive voice response system
  • the interactive order processing system may receive the customer's telephone number from the customer by any suitable means.
  • the interactive order processing system receives the customer's telephone number via means of auto detection, which may occur by means of calling line identification technology.
  • a system for making a payment from a customer to a merchant including:
  • the interactive order processing system could be a person who answers the telephone and processes the order manually. However, it is preferred that the interactive order processing system is an automated system.
  • the designated telephone number is associated with a premium telephone number service that incrementally charges the account associated with the customer's telephone number.
  • the designated telephone number is associated with at least one premium telephone number service that charges the account associated with a customer's telephone number according to a set scale charge which varies between different premium telephone numbers.
  • the system may transfer the customer's telephone number from the merchant to the service provider's billing engine when initiating a connection to the designated telephone number by any suitable means.
  • the means for transferring a customer's telephone number from the merchant to the service provider's billing engine involves the merchant mimicking the customer's telephone number in initiating the connection to the designated telephone number.
  • Figure 1 is a flowchart illustrating how a payment can be made from a customer to a merchant via a telecommunications network by making use of a service provider's billing engine according to an embodiment of the invention.
  • Figure 2 is a flowchart illustrating how a payment can be made from a customer to a merchant via a telecommunications network by making use of a service provider's billing engine according to another embodiment of the invention.
  • Figure 3 is a flowchart illustrating how a payment can be made from a customer to a merchant via a telecommunications network by making use of a service provider's billing engine according to yet another embodiment of the invention.
  • a customer 100 orders goods and/or services from a merchant 102 for a price, incurring a debt owed to the merchant 104.
  • the merchant 106 receives from the customer 100, a telephone number associated with the customer 108.
  • the merchant 106 obtains payment for the goods and/or services by initiating a connection to a designated telephone number 110 which charges incrementally, the designated telephone number being associated with the service provider's billing engine 114.
  • the merchant 106 transfers the telephone number associated with the customer 100 to the service provider's billing engine 114. Thereby, the calling charge incurred will be charged to an account associated with the customer's telephone number.
  • the merchant 106 maintains the connection to the designated telephone number for sufficient duration that a calling charge being at least approximately equal to the debt owed to the merchant has been incurred 112 and charged to an account associated with the customer's telephone number.
  • the merchant 106 may receive the customer's telephone number 108 via any suitable means. However, it is preferred that the merchant 106 receives the customer's telephone number 108 by means of auto detection such as calling line identification.
  • the customer's telephone number may be associated with any type of telephone including but not limited to a mobile telephone, a landline telephone, a payphone, or a prepaid mobile telephone, which is associated with the customer 100.
  • the service provider 118 may be any suitable telecommunications service provider.
  • the merchant 106 may mimic the customer's telephone number in initiating the connection to the designated telephone number. Mimicking the customer's telephone number involves the merchant 106 impersonating or "ghosting" the customer's telephone number when the connection is initiated 110, such that the service provider's billing engine 114 adds the calling charge to an account associated with the customer's telephone number.
  • the designated telephone number may be a premium telephone number offered by the service provider 118.
  • An example of a premium telephone number service in Australia is the 1900 series of telephone numbers. Each 1900 number relates to a particular service, for which a fee is charged to an account associated with the caller's telephone number. The fee may be a fixed charge or a time based charge.
  • the revenue collected from the call is shared between the supplier of the premium service and the billing company or premium number service provider.
  • the premium number may be leased by the merchant 106 from the service provider 118 and operates by charging calls incrementally based on connection time.
  • the premium number is thereby associated with the service provider's billing engine 114.
  • the length of time that the connection to the premium service is maintained by the merchant 106 depends on the value of the price of the goods and/or services ordered by the customer 102. For instance, the cost of connection to the designated number may be $2.50 per minute. For a 2 minute call $5.00 will be charged to the account associated with the customer's telephone number.
  • the merchant 106 terminates the connection.
  • the price that the customer 100 pays for the goods and/or services will incorporate the cost of the goods and/or services to the merchant 106, the merchant's profit and the service provider's premium for supplying the use of a billing engine 114. It is to be understood that in a preferred embodiment the incremental accumulation of a calling charge by maintaining a connection to a designated number associated with the service provider's billing engine is an automated process.
  • connection time for a time based service may be directly entered into the service provider's billing engine using any suitable means of transmitting the data via an intelligent network.
  • Such means may involve the use of an online interface. It is to be understood that this type of approach may require the cooperation of the service provider 118 and modification of the service provider's billing engine 114. Having incurred a calling charge against the account associated with the customer's telephone number, the merchant 106 subsequently receives a payment 120 from the service provider 118. The service provider's billing engine 114 adds the calling charge to an account associated with the customer's telephone number and invoices the customer 122. Where a contractual association exists between the customer 100 and the service provider 118, the customer 100 may be invoiced for purchases via a regular service bill. If no such association exists, the customer 100 can be invoiced via a separate bill.
  • the payment method of the present invention offers consumers the convenience of cash while providing more reliability and personal security than credit and debit cards. Aside from the convenience of the above method for paying for goods and/or services from the point of view of the customer, the method also offers significant benefits for the merchant. The merchant's exposure to the debt risk of non-payment is significantly reduced since the chances of the service provider defaulting on payment are likely to be less than the debt risk incurred in offering credit to independent customers.
  • An example of use of the payment method could be integration of the system with a telephone booking service for movie tickets.
  • a telephone booking service for movie tickets.
  • the customer associated with the telephone number used to initiate the purchase would be billed for the purchase by the service provider's billing engine.
  • the merchant in turn would receive payment for the tickets from the service provider.
  • the telephone number being used to initiate the purchase corresponds to a prepaid mobile telephone
  • the value of the purchase could simply be deducted from the credits existing in the associated account.
  • the merchant would not release the goods and/or services until such time that confirmation of the payment had been received by the merchant.
  • Some examples include but are not limited to, purchase of public transport tickets, vending machine purchases, purchase of lottery tickets, kiosk-based purchases, payment of service bills and council rates, shopping via television, donation hotlines and other telephone based booking or purchasing services.
  • the payment method using a service provider's billing engine as described with reference to Figure 1 may be modified to make the method more efficient for large ticket purchases for example.
  • the merchant 206 obtains payment for goods and/or services by initiating a connection to at least one designated telephone number selected from a plurality of premium telephone numbers 210 associated with the service provider's billing engine 214.
  • Each premium telephone number incurs a different set scale charge, the designated telephone number or numbers to which a connection will be initiated by the merchant 206 are selected such that a calling charge or charges incurred will be at least approximately equal to the price of the goods and/or services.
  • the merchant 206 transfers the customer's telephone number to the service provider's billing engine 214 on initiating the connection 210.
  • the service provider 218 makes a payment to the merchant 206, and the service provider's billing engine 214 adds the calling charges to an account associated with the customer's telephone number and invoices the customer 222.
  • the rationale behind this modification of the method described as the embodiment described with reference to Figure 1 is that for more expensive goods and/or services it becomes more efficient to charge the debt to an account associated with the customer's telephone number at a higher calling charge. It is envisaged that a plurality of such premium numbers be available to merchants, each having a designated calling charge.
  • connection rates of $10.00, $50.00 or $100.00 could be made available to merchants for the purpose of obtaini ng payment for goods and/or services by making use of a service provider's bi llling engine 214.
  • This arrangement negates the need to maintain a connecti oi n to the designated telephone. It is intended that the nominated charge is a fixed charge that is incurred simply by initiation of a connection to the designated telephone number.
  • the merchant 206 may mimic the customer's telephone number in initiating the connection to the designated telephone number 210, such that the service provider's billing engine 214 adds the calling charge to an account associated with the customer's telephone number.
  • the merchant 206 may receive the customer's telephone number 208 via any suitable means of auto detection such as calling line identification technology.
  • the embodiment described with reference to Figure 2 may have application in the situations described previously. However, it is envisaged that this particular embodiment may be more suitable than that previously described for the purchase of large ticket items than a time based calling charge.
  • an overview of the method according to yet another embodiment of the invention can be understood by working through the flowchart exemplifying the method of making a payment from a customer to a merchant via a telecommunications network using a service provider's billing engine as depicted in Figure 3.
  • the customer 300 interacts with an interactive order processing system 306 in placing an order for goods and/or services.
  • the customer 300 initiates a connection to designated telephone number 302 which is associated with an interactive order processing system 306.
  • the customer 300 makes a selection of goods and/or services 304. Selection may occur via use of an interactive voice response (IVR) system, a similar menu based system or any other suitable means.
  • IVR interactive voice response
  • the interactive order processing system 306 may be a person who answers the telephone call but is preferably an automated system.
  • the interactive order processing system 306 receives the telephone number associated with the telephone call from which the customer 300 initiated the connection 308.
  • the system 306 processes the order based on customer selections and retrieves a transaction amount associated with the selection 310.
  • the transaction data including at least the customer's telephone number and the transaction amount is transmitted to the service provider's billing engine 312 by any suitable means. Suitable means may involve use of an online interface or an interactive voice response system (IVR).
  • IVR interactive voice response system
  • the customer 300 may take delivery of the goods and/or services.
  • the service provider 318 subsequently makes a payment to a merchant 320 associated with the interactive order processing system 306 and invoices the customer 322.
  • BluetoothTM general packet radio service
  • WAP wireless application protocol
  • WIM wireless identity module
  • IVR interactive voice response
  • SMS short messaging service
  • intelligent networks e-wallets and manual entry.

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

Abstract

L'invention concerne un procédé permettant à un client d'effectuer un paiement à un marchand via un réseau de télécommunications, au moyen d'un moteur de facturation d'un fournisseur de services et dans lequel le marchand reçoit un numéro de téléphone d'un client commandant des biens et/ou des services du marchand pour un prix défini, le numéro de téléphone étant associé au client. Le marchand reçoit le paiement pour ces biens et/ou services par initialisation d'une connexion vers un numéro de téléphone désigné associé au moteur de facturation du fournisseur de services effectuant un débit incrémentiel; par transfert du numéro de téléphone du client au moteur de facturation du fournisseur de services; et par maintien de la connexion vers le numéro de téléphone désigné pour une durée telle que les frais de l'appel soient au moins approximativement égaux au prix dépensé. Le fournisseur de services effectue ensuite un paiement au marchand et le moteur de facturation du fournisseur de services ajoute les frais de l'appel dans un compte associé au numéro de téléphone du client et transmet la facture au client.
PCT/AU2004/000291 2003-03-11 2004-03-09 Procede permettant d'effectuer un paiement via un reseau de telecommunications WO2004081825A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
AU2003901864 2003-03-11
AU2003901864A AU2003901864A0 (en) 2003-03-11 2003-03-11 A method for making a payment via a telecommunications network

Publications (1)

Publication Number Publication Date
WO2004081825A1 true WO2004081825A1 (fr) 2004-09-23

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PCT/AU2004/000291 WO2004081825A1 (fr) 2003-03-11 2004-03-09 Procede permettant d'effectuer un paiement via un reseau de telecommunications

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WO (1) WO2004081825A1 (fr)

Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5864610A (en) * 1995-09-22 1999-01-26 At&T Corp. Interactive and information data services telephone billing system
WO2000033557A1 (fr) * 1998-11-27 2000-06-08 The Patent Gmbh Procede de facturation de services fournis par l'internet
JP2001117984A (ja) * 1999-10-19 2001-04-27 Takahisa Yamada 電子決済システム
WO2003045042A1 (fr) * 2001-11-19 2003-05-30 Telecommunication Systems, Inc. Reglement par entite payante de communications avec un abonne radio
WO2003079247A2 (fr) * 2002-03-19 2003-09-25 Merton Raymond Lawrence Val-Je Procede permettant a un utilisateur de reseau d'acceder a des informations ou d'acquerir des produits pour des services du reseau
WO2003081548A1 (fr) * 2002-03-22 2003-10-02 British Telecommunications Public Limited Company Authentification de transaction

Patent Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5864610A (en) * 1995-09-22 1999-01-26 At&T Corp. Interactive and information data services telephone billing system
WO2000033557A1 (fr) * 1998-11-27 2000-06-08 The Patent Gmbh Procede de facturation de services fournis par l'internet
JP2001117984A (ja) * 1999-10-19 2001-04-27 Takahisa Yamada 電子決済システム
WO2003045042A1 (fr) * 2001-11-19 2003-05-30 Telecommunication Systems, Inc. Reglement par entite payante de communications avec un abonne radio
WO2003079247A2 (fr) * 2002-03-19 2003-09-25 Merton Raymond Lawrence Val-Je Procede permettant a un utilisateur de reseau d'acceder a des informations ou d'acquerir des produits pour des services du reseau
WO2003081548A1 (fr) * 2002-03-22 2003-10-02 British Telecommunications Public Limited Company Authentification de transaction

Non-Patent Citations (1)

* Cited by examiner, † Cited by third party
Title
DATABASE WPI Derwent World Patents Index; Class P86, AN 2001-385904(41), XP002903660 *

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