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WO2009136406A2 - Procédé et appareil de paiements multi-devises à base de numéro d’identification personnel et de service de messages courts ou de paiements de commerce électronique par une devise mobile - Google Patents

Procédé et appareil de paiements multi-devises à base de numéro d’identification personnel et de service de messages courts ou de paiements de commerce électronique par une devise mobile Download PDF

Info

Publication number
WO2009136406A2
WO2009136406A2 PCT/IN2008/000752 IN2008000752W WO2009136406A2 WO 2009136406 A2 WO2009136406 A2 WO 2009136406A2 IN 2008000752 W IN2008000752 W IN 2008000752W WO 2009136406 A2 WO2009136406 A2 WO 2009136406A2
Authority
WO
WIPO (PCT)
Prior art keywords
currency
commerce
payments
user
mobile
Prior art date
Legal status (The legal status 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 status listed.)
Ceased
Application number
PCT/IN2008/000752
Other languages
English (en)
Other versions
WO2009136406A3 (fr
Inventor
Shree Mishra
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Individual
Original Assignee
Individual
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 Individual filed Critical Individual
Publication of WO2009136406A2 publication Critical patent/WO2009136406A2/fr
Publication of WO2009136406A3 publication Critical patent/WO2009136406A3/fr
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

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
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • 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
    • G06Q20/16—Payments settled via telecommunication 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
    • G06Q20/322—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
    • G06Q20/325—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 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/381—Currency conversion

Definitions

  • This invention relates to multi-currency PIN Based SMS Based payments or electronics-commerce payments through mobile currency and Support for multi- currency and integration with both m-commerce and e-commerce makes the solution very elegant and unique
  • the mobile device In such transactions, there is typically a wireless communication between the mobile device and, for example, a point-of-sale terminal in a store, or other type of retail device such a vending machine or ticket machine.
  • the mobile device and the point-of-sale terminal communicate to exchange relevant data to negotiate the purchase of goods or services, including the communication of the payment means from the mobile device to the point of sale terminal.
  • the payment information transferred from the mobile terminal to the point-of-sale terminal is authorized by a digital signature applied to the payment information.
  • a typical transaction effectively provides a credit card payment to the point-of-sale terminal with a digital signature.
  • One problem with such payments is that a connection may need to be made to a third party server in order to verify the transaction. This requires the point-of-sale terminal or the like to be connection. This can be disadvantageous.
  • the new methodology broadens the spectrum for sms enabled m-commerce and payments to anybody who has a mobile or cell-phone through mobile ( cellular) currency and need not have credit or debit card accounts.
  • the new invention also enables sms payments for multi-currency international transactions through the cross-country international mobile/telephone service- providers net.
  • the solution also broadens its spectrum to the e-commerce domain to allow usage of mobile currency payments while doing e-commerce transactions.
  • Multi-currency PIN Based SMS based payments or e-commerce payments through mobile or top-up currency is a new methodology for performing e-commerce transactions through cellular phones or through the internet using an alternative method to the ones existing currently using mobile (or cellular) currency.
  • the proposed methodology provides exciting advantages over the existing payment models:
  • the new invention also enables SMS payments for multi-currency international transactions through the cross-country international mobile/telephone service-providers net.
  • the user sends a request for registering for "mobile-currency based e-commerce/m-commerce payments" in various ways e.g. SMS, Email, IVR or by walking down to the nearest kiosk. He provides necessary relevant information required by the cell-phone provider to complete the registration process
  • Back ground checks like credit-history, payment history, liabilities check etc. and then performs the registration and generates a user- id and password.
  • the user's threshold limit is also decided by the system.
  • the "Threshold-limit" is amount of negative credits a user can have
  • the user is sent a PIN by email or Post or through Automated voice response
  • the merchant sends a request for registering for "mobile-currency based e-commerce/m-commerce payments" in various ways e.g. SMS 1 Email, and IVR or by walking down to the nearest kiosk. He provides necessary relevant information required by the cell-phone provider to complete the registration process
  • Back ground checks like credit-history, payment history, liabilities check etc. and then performs the registration and generates a merchant user-id and password.
  • the merchant is communicated his user-id/password and his "Threshold-limit" for this by SMS or by automated voice response •
  • the user is sent a PIN by email or Post or through Automated voice response
  • the cell-phone providers already have multiple ways for refilling mobile-currency. The same can be made use of this
  • the cell-phone provider publishes the catalog of available products and services of its registered merchants to the customers who have subscribed for the same
  • the catalog can be viewed from the portal by the user using his login Id/password or the catalog can be sent by a set of SMS
  • the cellular provider checks if the user is already registered • The cellular provider checks if the merchant is already registered
  • the user sends the PIN through SMS.
  • the user downloads and installs the payment application, he can make use of the same to make payments and send the PIN in an encrypted manner
  • the user selects a particular product and selects the "Pay through Mobile” option •
  • the merchant checks for the availability and then routes the user to the relevant integration page where the user can enter the mobile number and the cellular-provider from a list
  • the user sends the PIN through SMS.
  • the user downloads and installs the payment application, he can make use of the same to make payments and send the PIN in an encrypted manner
  • the user uses the published catalog to browse available products and services and uses available SMS options to make the required purchase or booking through SMS.
  • the SMS needs to be sent to the international cellular provider in this case which is publishing the available merchants tied up with it.
  • the international cellular provider will be tied up the local cellular provider for the user and the latter provides him the required details regarding this facility in the country to which user is traveling to
  • SMS the cellular provider to which the user is actually registered to.
  • the same can be deciphered from the SMS tokens or from the number to which the user is sending SMS to.
  • SMS the user sends SMS to 688388 then it means for local cellular-provider 1 or if it sends to 688389 it means for local- cellular provider 2
  • the local cellular provider requests for PIN based authentication to the user and redirects the SMS to the international cellular provider
  • the international cellular provider routes the message from the local cellular provider to the end-user
  • the local cellular provider converts the international currency to the local currency using the standard international conversion rates defined for the day
  • the local cellular provider then credits the international cellular provider's virtual account in the target ( or user) currency with the equivalent amount
  • the international cellular provider also forwards the incoming successful confirmation message regarding the transaction from the local service provider to the end-user
  • the merchant delivers products or renders requested services to the user
  • Each cellular provider 1 st initiates the settlement with their cellular provider partners (international). For each virtual account of the partner cellular provider the debit and credit calculations are done for all the relevant transactions and the totals are calculated accordingly.
  • the recipient cellular provider then sends back the confirmation message on settlement success to the originator •
  • the originator then calculates the sum totals of merchants credits/debits for each supported merchant currency and sends the settlement totals to each of the merchants
  • the cellular provider then makes payments for relevant sums to the merchants and partner cellular providers eod through bank transfers or other payment modes as indicated
  • the new methodology has the following important aspects:
  • a mobile/cellular user registers for the e-commerce/m-commerce payments through mobile/cellular top-up currency option and the cellular service provider issues him a PIN number for the same
  • the mobile currency equivalent to the transaction amount performed by the end-user with a merchant get credited to a virtual settlement account created for each registered merchant with the cellular provider.

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Finance (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Electrochromic Elements, Electrophoresis, Or Variable Reflection Or Absorption Elements (AREA)

Abstract

La présente invention concerne un procédé de paiements multi-devises à base de numéro d’identification personnel et de service de messages courts ou de paiements de commerce électronique par une devise mobile ou devise supplémentaire et un support multi-devises et une intégration de commerce mobile et de commerce électronique fournissant une solution élégante et unique.
PCT/IN2008/000752 2008-05-05 2008-11-04 Procédé et appareil de paiements multi-devises à base de numéro d’identification personnel et de service de messages courts ou de paiements de commerce électronique par une devise mobile Ceased WO2009136406A2 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
IN811/KOL/2008 2008-05-05
IN811KO2008 2008-05-05

Publications (2)

Publication Number Publication Date
WO2009136406A2 true WO2009136406A2 (fr) 2009-11-12
WO2009136406A3 WO2009136406A3 (fr) 2009-12-30

Family

ID=41265113

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/IN2008/000752 Ceased WO2009136406A2 (fr) 2008-05-05 2008-11-04 Procédé et appareil de paiements multi-devises à base de numéro d’identification personnel et de service de messages courts ou de paiements de commerce électronique par une devise mobile

Country Status (1)

Country Link
WO (1) WO2009136406A2 (fr)

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2016027212A1 (fr) * 2014-08-17 2016-02-25 Innoviti Embedded Solutions Pvt. Ltd. Procédé et système de détermination dynamique d'une monnaie optimale au cours de l'autorisation d'une transaction
US9934495B2 (en) 2006-09-13 2018-04-03 Google Llc Integrated system and method for managing electronic coupons
US11232428B2 (en) * 2009-02-14 2022-01-25 Boloro Global Limited System for securing user information by employing phone number and personal identification number

Family Cites Families (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20020123965A1 (en) * 1998-12-22 2002-09-05 Joyce Phillips Method and system for electronic commerce using a mobile communication system
FI20001054L (fi) * 2000-05-05 2001-11-06 Sonera Oyj Digitaalinen maksumääräys
EP1180750A1 (fr) * 2000-08-18 2002-02-20 Siemens Aktiengesellschaft Procédé et dispositif pour la transmission d'une somme d'argent électronique depuis une mémoire de crédit
EP1180757A1 (fr) * 2000-08-18 2002-02-20 Siemens Aktiengesellschaft Procédé et dispositif pour le transfère d'argent électronique d'un compte à prépaiement

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US9934495B2 (en) 2006-09-13 2018-04-03 Google Llc Integrated system and method for managing electronic coupons
US11232428B2 (en) * 2009-02-14 2022-01-25 Boloro Global Limited System for securing user information by employing phone number and personal identification number
WO2016027212A1 (fr) * 2014-08-17 2016-02-25 Innoviti Embedded Solutions Pvt. Ltd. Procédé et système de détermination dynamique d'une monnaie optimale au cours de l'autorisation d'une transaction

Also Published As

Publication number Publication date
WO2009136406A3 (fr) 2009-12-30

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