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WO2005086593A3 - Inter-operable, multi-operator, multi-bank, multi-merchant mobile payment method and a system therefor - Google Patents

Inter-operable, multi-operator, multi-bank, multi-merchant mobile payment method and a system therefor Download PDF

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Publication number
WO2005086593A3
WO2005086593A3 PCT/IN2005/000038 IN2005000038W WO2005086593A3 WO 2005086593 A3 WO2005086593 A3 WO 2005086593A3 IN 2005000038 W IN2005000038 W IN 2005000038W WO 2005086593 A3 WO2005086593 A3 WO 2005086593A3
Authority
WO
WIPO (PCT)
Prior art keywords
bank
inter
operator
operable
mobile payment
Prior art date
Application number
PCT/IN2005/000038
Other languages
French (fr)
Other versions
WO2005086593A2 (en
Inventor
Anurag Gupta
Lokanath Panda
Original Assignee
Little World Private Ltd A
Anurag Gupta
Lokanath Panda
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 Little World Private Ltd A, Anurag Gupta, Lokanath Panda filed Critical Little World Private Ltd A
Priority to EP05747247A priority Critical patent/EP1828998A2/en
Publication of WO2005086593A2 publication Critical patent/WO2005086593A2/en
Publication of WO2005086593A3 publication Critical patent/WO2005086593A3/en

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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 OR CALCULATING; 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 OR CALCULATING; 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
    • G06Q20/042—Payment circuits characterized in that the payment protocol involves at least one cheque
    • G06Q20/0425—Payment circuits characterized in that the payment protocol involves at least one cheque the cheque being electronic only
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/18—Payment architectures involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/223—Payment schemes or models based on the use of peer-to-peer networks
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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]
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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]
    • G06Q20/3227—Aspects of commerce using mobile devices [M-devices] using secure elements embedded in M-devices

Landscapes

  • 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)
  • Computer Networks & Wireless Communication (AREA)
  • Finance (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)

Abstract

This invention relates to an inter-operable Multi-operator, Multi-bank, Multi-merchant Mobile Payment System. This invention makes the mobile phone a debit/credit instrument for payment as well as an instrument to carry out payment terminal functions. The debit/credit card(s) on the mobile phone could be used to carry out payment transactions with another mobile phone, a regular Point-of-Sale terminal, an ATM, a Vending Machine or Internet.
PCT/IN2005/000038 2004-02-05 2005-02-04 Inter-operable, multi-operator, multi-bank, multi-merchant mobile payment method and a system therefor WO2005086593A2 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
EP05747247A EP1828998A2 (en) 2004-02-05 2005-02-04 Inter-operable, multi-operator, multi-bank, multi-merchant mobile payment method and a system therefor

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
IN165/DEL/2004 2004-02-05
IN165DE2004 2004-02-05

Publications (2)

Publication Number Publication Date
WO2005086593A2 WO2005086593A2 (en) 2005-09-22
WO2005086593A3 true WO2005086593A3 (en) 2006-07-06

Family

ID=34976031

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/IN2005/000038 WO2005086593A2 (en) 2004-02-05 2005-02-04 Inter-operable, multi-operator, multi-bank, multi-merchant mobile payment method and a system therefor

Country Status (2)

Country Link
EP (1) EP1828998A2 (en)
WO (1) WO2005086593A2 (en)

Cited By (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN101635042A (en) * 2008-04-30 2010-01-27 乌蒂巴私人有限公司 Mobile telephone as point of sale (POS) device
US8538845B2 (en) 2011-06-03 2013-09-17 Mozido, Llc Monetary transaction system
US8650124B2 (en) 2009-12-28 2014-02-11 Visa International Service Association System and method for processing payment transaction receipts
US9208488B2 (en) 2011-11-21 2015-12-08 Mozido, Inc. Using a mobile wallet infrastructure to support multiple mobile wallet providers
US9582792B2 (en) 2013-07-29 2017-02-28 Exxonmobil Research And Engineering Company System and method to purchase and dispense fuel and other products using a mobile device with improved user experience
US12062044B2 (en) 2013-09-10 2024-08-13 The Toronto-Dominion Bank System and method for authorizing a financial transaction

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US20070198432A1 (en) 2001-01-19 2007-08-23 Pitroda Satyan G Transactional services
US10176476B2 (en) 2005-10-06 2019-01-08 Mastercard Mobile Transactions Solutions, Inc. Secure ecosystem infrastructure enabling multiple types of electronic wallets in an ecosystem of issuers, service providers, and acquires of instruments
US10032160B2 (en) 2005-10-06 2018-07-24 Mastercard Mobile Transactions Solutions, Inc. Isolating distinct service provider widgets within a wallet container
BRPI0618259C1 (en) * 2005-11-04 2011-08-30 Utiba Pte Ltd mobile phone as a point of sale device (pos)
US20070106564A1 (en) * 2005-11-04 2007-05-10 Utiba Pte Ltd. Mobile phone as a point of sale (POS) device
US8145568B2 (en) * 2006-07-06 2012-03-27 Firethorn Mobile, Inc. Methods and systems for indicating a payment in a mobile environment
US8510220B2 (en) 2006-07-06 2013-08-13 Qualcomm Incorporated Methods and systems for viewing aggregated payment obligations in a mobile environment
US8160959B2 (en) * 2006-07-06 2012-04-17 Firethorn Mobile, Inc. Methods and systems for payment transactions in a mobile environment
US8121945B2 (en) * 2006-07-06 2012-02-21 Firethorn Mobile, Inc. Methods and systems for payment method selection by a payee in a mobile environment
US8489067B2 (en) 2006-07-06 2013-07-16 Qualcomm Incorporated Methods and systems for distribution of a mobile wallet for a mobile device
US9911114B2 (en) 2006-07-06 2018-03-06 Qualcomm Incorporated Methods and systems for making a payment via a stored value card in a mobile environment
US8467766B2 (en) 2006-07-06 2013-06-18 Qualcomm Incorporated Methods and systems for managing payment sources in a mobile environment
US11195163B2 (en) 2006-09-01 2021-12-07 Mastercard International Incorporated Methods, systems and computer readable media for over the air (OTA) provisioning of soft cards on devices with wireless communications capabilities
US7469151B2 (en) * 2006-09-01 2008-12-23 Vivotech, Inc. Methods, systems and computer program products for over the air (OTA) provisioning of soft cards on devices with wireless communications capabilities
US8724819B2 (en) 2007-10-16 2014-05-13 Nokia Corporation Credential provisioning
US8301500B2 (en) * 2008-04-02 2012-10-30 Global 1 Enterprises Ghosting payment account data in a mobile telephone payment transaction system
US8620299B2 (en) 2008-08-12 2013-12-31 Mastercard International Incorporated Methods, systems and computer readable media for electronically delivering a prepaid card to a mobile device
US8977567B2 (en) * 2008-09-22 2015-03-10 Visa International Service Association Recordation of electronic payment transaction information
CN102257524A (en) 2008-10-06 2011-11-23 维沃科技公司 System, method and computer readable medium for payment and non-payment virtual card transfer between mobile devices
KR20100060707A (en) * 2008-11-28 2010-06-07 주식회사 하렉스인포텍 Patment and authorization, settlement and membership joining method, device and system by purchaser using mobile communication terminal
HRP20190190T1 (en) * 2009-02-14 2019-03-22 Net2Text Limited SECURITY PAYMENT AND INVOICE METHOD BY USING NUMBER OR ACCOUNT OF MOBILE PHONE
US10992817B2 (en) 2009-03-18 2021-04-27 Mastercard International Incorporated Methods, systems and computer readable media for selecting and delivering electronic value certificates using a mobile device
CN102460520B (en) * 2009-05-03 2015-01-21 洛格摩提公司 A payment terminal using a mobile communication device, such as a mobile phone, and method for directly debit payment transaction
EP2339529A1 (en) * 2009-12-01 2011-06-29 Mikko Kalervo Väänänen Method and means for controlling payment setup
US7992781B2 (en) 2009-12-16 2011-08-09 Visa International Service Association Merchant alerts incorporating receipt data
WO2011137493A1 (en) * 2010-05-05 2011-11-10 Miller, Neil Remittance system and method
US9665864B2 (en) 2010-05-21 2017-05-30 Intel Corporation Method and device for conducting trusted remote payment transactions
SK500202011A3 (en) * 2011-04-22 2013-05-03 Logomotion, S. R. O. Method of cashless transfer money from person to person through mobile phone
EP2767110A4 (en) 2011-10-12 2015-01-28 C Sam Inc A multi-tiered secure mobile transactions enabling platform
EP2774099B1 (en) 2011-11-03 2023-03-01 Mastercard International Incorporated Methods, systems, and computer readable media for provisioning and utilizing an aggregated soft card on a mobile device
US10438196B2 (en) 2011-11-21 2019-10-08 Mozido, Inc. Using a mobile wallet infrastructure to support multiple mobile wallet providers
US9767453B2 (en) * 2012-02-23 2017-09-19 XRomb Inc. System and method for processing payment during an electronic commerce transaction
US8639619B1 (en) 2012-07-13 2014-01-28 Scvngr, Inc. Secure payment method and system
KR101330961B1 (en) * 2012-12-26 2013-11-18 신한카드 주식회사 Method for processign issue of mobile cerdit card
US8770478B2 (en) 2013-07-11 2014-07-08 Scvngr, Inc. Payment processing with automatic no-touch mode selection
CN104579659A (en) * 2013-10-18 2015-04-29 中国银联股份有限公司 Device for safety information interaction
EP3067848A1 (en) * 2015-03-09 2016-09-14 Gemalto Sa Method and first and second server for transferring voucher data
WO2019000060A1 (en) * 2017-06-26 2019-01-03 Da Silva Diego Sant Ana System and method for identification and provision of access to a data operator, provision of information, user authentication, equivalent operator selection, establishment of communication via an authentication and communication protocol, and transmission of data and instructions to the equivalent operator

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WO2003049364A1 (en) * 2001-12-04 2003-06-12 Conceptm Company Limited System and method for facilitating electronic financial transactions using a mobile telecommunication device
WO2003052544A2 (en) * 2001-12-19 2003-06-26 Harexinfotech Inc. System and method for issuing card and processing blacklist using wireless communications
WO2003067530A2 (en) * 2002-02-07 2003-08-14 Enigma Software Rt. Architecture of simplified hardware requirements for bank card payment transactions in a large group of clients, transaction terminal unit, extended function sim card, and methods for individualisation and performing transaction

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WO2000049585A1 (en) * 1999-02-19 2000-08-24 France Telecom Telepayment method and system for implementing said method
WO2002069085A2 (en) * 2001-02-21 2002-09-06 Citibank, N.A. Method and system for electronic commerce using a mobile communication system
WO2003049364A1 (en) * 2001-12-04 2003-06-12 Conceptm Company Limited System and method for facilitating electronic financial transactions using a mobile telecommunication device
WO2003052544A2 (en) * 2001-12-19 2003-06-26 Harexinfotech Inc. System and method for issuing card and processing blacklist using wireless communications
WO2003067530A2 (en) * 2002-02-07 2003-08-14 Enigma Software Rt. Architecture of simplified hardware requirements for bank card payment transactions in a large group of clients, transaction terminal unit, extended function sim card, and methods for individualisation and performing transaction

Cited By (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN101635042A (en) * 2008-04-30 2010-01-27 乌蒂巴私人有限公司 Mobile telephone as point of sale (POS) device
US8650124B2 (en) 2009-12-28 2014-02-11 Visa International Service Association System and method for processing payment transaction receipts
US8538845B2 (en) 2011-06-03 2013-09-17 Mozido, Llc Monetary transaction system
US9208488B2 (en) 2011-11-21 2015-12-08 Mozido, Inc. Using a mobile wallet infrastructure to support multiple mobile wallet providers
US9582792B2 (en) 2013-07-29 2017-02-28 Exxonmobil Research And Engineering Company System and method to purchase and dispense fuel and other products using a mobile device with improved user experience
US12062044B2 (en) 2013-09-10 2024-08-13 The Toronto-Dominion Bank System and method for authorizing a financial transaction

Also Published As

Publication number Publication date
EP1828998A2 (en) 2007-09-05
WO2005086593A2 (en) 2005-09-22

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