WO2009065417A1 - Devise m - netsense - Google Patents

Devise m - netsense Download PDF

Info

Publication number
WO2009065417A1
WO2009065417A1 PCT/EG2008/000025 EG2008000025W WO2009065417A1 WO 2009065417 A1 WO2009065417 A1 WO 2009065417A1 EG 2008000025 W EG2008000025 W EG 2008000025W WO 2009065417 A1 WO2009065417 A1 WO 2009065417A1
Authority
WO
WIPO (PCT)
Prior art keywords
netsense
security
payment
merchant
customer
Prior art date
Application number
PCT/EG2008/000025
Other languages
English (en)
Inventor
Ayman Fathy Tolba
Original Assignee
Net Signature For Advanced Solutions (I.N.K.)
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 Net Signature For Advanced Solutions (I.N.K.) filed Critical Net Signature For Advanced Solutions (I.N.K.)
Publication of WO2009065417A1 publication Critical patent/WO2009065417A1/fr

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
    • G06Q20/325—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
    • 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
    • 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
    • G06Q20/20—Point-of-sale [POS] network 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
    • G06Q20/38—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
    • G06Q20/4014—Identity check for transactions
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1025—Identification of user by a PIN code

Definitions

  • the above diagram shows the signing of an existing customer, where he has to insert his user name and password and then chooses 1 of the above mentioned services.
  • Another option is for the customer to review his billing history by clicking on the (Client's Bill) icon.
  • An existing client can check his balance account; which is basically the amount of money in his account.
  • This customer (1) can also choose to transfer credit to another existing M- Currency customer (2). At this point the customer (1) will have to enter his mobile number, pin code (another code than the password he signed in with) and the mobile number of customer (2).
  • the points an offer choice is for the customer to check the pointing system scheme of M-Currency, check the existing offers on the pointing system and check the amounts of points this customer has on the M-Currency system.
  • the shopping centre page contains a list of vendors, where the client chooses from.
  • Each vendor of the list has a page, where he chooses to put all or some of his commodities or services with its prices and the client will add to his cart as he surfs the list.
  • the customer After the customer has placed his/her order, he/she is asked to give his/her mobile number.
  • the vendor then contacts the server via the POS machine inserting the mobile number of the customer and the amount of payment.
  • the server sends an SMS to the customer stating the amount and the vendor's name
  • the system verifies the pin code and then sends the vendor and the customer a notification.
  • the shopping centre page contains a list of vendors, where the client chooses from.
  • Each vendor of the list has a page, where he chooses to put all or some of his commodities or services with its prices and the client will add to his cart as he surfs the list.
  • the server then sends each vendor a notification of the items chosen by the customer, and later on, upon the delivery policy of each vendor, the vendor sends the items chosen to the customer.
  • M-Currency One of the future applications of M-Currency is to place an order from a media advertisement.
  • Each good or service on the advertisement would have an M- Currency associated code.
  • the customer would have to send the server an SMS with the code number of the good or service.
  • the server then sends an SMS to the customer to acquire the pin code.
  • the server sends the vendor the order to the POS machine, and the vendor delivers the good or service purchased.
  • M-Currency Call centre is to provide the customer with several services, one of those services is to provide the opportunity for M-Currency customers to provide whatever is advertised via different type of media through the call centre; the customer calls the call centre and he chooses the purchase option from the IVR, he places his order and the customer service officer verifies the customer's information (mobile number and pin code). The customer service officer then places the order to the vendor's POS machine and the vendor delivers the customer's purchased good or service.
  • the money transfer from one customer to another can be done via SMS system or over the internet.
  • customer (A) can choose to transfer credit to another existing M-Currency customer (B). At this point the customer (A) will have to enter his mobile number, pin code and the mobile number of customer (B).
  • SMS Through SMS, the customer can simply dial the IVR and choose the amount of money he would like to transfer and then inserts the pin code, later on when the transaction is made, a notification SMS is sent to both customers.
  • M-Currency provides the Vendors with the ability to advertise through the M- Currency system as follows:
  • the vendor signs up through M-Currency's web site giving the vendor's user name and password, the client then choose from a given segments' list on our website, the age, the gender, and certain interests( e.g. 16 to 20 years, males, music, rock). The vendor then inserts the amount of SMS he would like to send and they would be sent to the number of customers and specifications, the vendor chose.
  • V starts the process using step Vl
  • V performs steps V3 and V4

Landscapes

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

Abstract

L'invention porte sur un système et sur un procédé de transaction mobile sécurisée avec communication SMS et authentification SIM. Un vendeur (V) et un client (C) effectuent une transaction par l'intermédiaire de NetSense (S). De plus, une authentification géographique et un paiement parental sont possibles.
PCT/EG2008/000025 2007-11-19 2008-08-12 Devise m - netsense WO2009065417A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
EG2007110596 2007-11-19
EG2007110596 2007-11-19

Publications (1)

Publication Number Publication Date
WO2009065417A1 true WO2009065417A1 (fr) 2009-05-28

Family

ID=40667144

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/EG2008/000025 WO2009065417A1 (fr) 2007-11-19 2008-08-12 Devise m - netsense

Country Status (1)

Country Link
WO (1) WO2009065417A1 (fr)

Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN102598037A (zh) * 2009-10-19 2012-07-18 法贝尔金融有限责任公司 移动支付站***和方法
CN102917351A (zh) * 2011-08-05 2013-02-06 ***通信集团公司 在用户识别卡中实现应用的方法、装置以及用户识别卡
CN111031066A (zh) * 2019-12-25 2020-04-17 哈尔滨新中新电子股份有限公司 一卡通***中pc机、网关和pos机之间数据传输方法
US11213773B2 (en) 2017-03-06 2022-01-04 Cummins Filtration Ip, Inc. Genuine filter recognition with filter monitoring system

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5914472A (en) * 1997-09-23 1999-06-22 At&T Corp Credit card spending authorization control system
WO2001063375A2 (fr) * 2000-02-27 2001-08-30 Adamtech Ltd. Systeme et procede de transaction mobile
WO2005024677A1 (fr) * 2003-09-08 2005-03-17 Fabrizio Ferrante Procede et systeme de transactions sur un reseau telephone mobile cellulaire
WO2007020394A1 (fr) * 2005-08-12 2007-02-22 Vodafone Group Plc Gestion de compte mobile
US20070184817A1 (en) * 2002-09-12 2007-08-09 Jeyhan Karaoguz Location-based transaction authentication of wireless terminal

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5914472A (en) * 1997-09-23 1999-06-22 At&T Corp Credit card spending authorization control system
WO2001063375A2 (fr) * 2000-02-27 2001-08-30 Adamtech Ltd. Systeme et procede de transaction mobile
US20070184817A1 (en) * 2002-09-12 2007-08-09 Jeyhan Karaoguz Location-based transaction authentication of wireless terminal
WO2005024677A1 (fr) * 2003-09-08 2005-03-17 Fabrizio Ferrante Procede et systeme de transactions sur un reseau telephone mobile cellulaire
WO2007020394A1 (fr) * 2005-08-12 2007-02-22 Vodafone Group Plc Gestion de compte mobile

Cited By (9)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN102598037A (zh) * 2009-10-19 2012-07-18 法贝尔金融有限责任公司 移动支付站***和方法
CN105913243A (zh) * 2009-10-19 2016-08-31 移动产权公司 移动支付站***和方法
US10535058B2 (en) 2009-10-19 2020-01-14 Mobile Equity Corp. Mobile payment station system and method
US11880820B2 (en) 2009-10-19 2024-01-23 Mobile Equity Corp. Mobile payment station system and method
CN102917351A (zh) * 2011-08-05 2013-02-06 ***通信集团公司 在用户识别卡中实现应用的方法、装置以及用户识别卡
CN102917351B (zh) * 2011-08-05 2015-04-01 ***通信集团公司 在用户识别卡中实现应用的方法、装置以及用户识别卡
US11213773B2 (en) 2017-03-06 2022-01-04 Cummins Filtration Ip, Inc. Genuine filter recognition with filter monitoring system
CN111031066A (zh) * 2019-12-25 2020-04-17 哈尔滨新中新电子股份有限公司 一卡通***中pc机、网关和pos机之间数据传输方法
CN111031066B (zh) * 2019-12-25 2022-02-01 哈尔滨新中新电子股份有限公司 一卡通***中pc机、网关和pos机之间数据传输方法

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