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 PDFInfo
- 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
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
- G06Q20/08—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
- G06Q20/30—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
- G06Q20/04—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; 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
- G06Q20/18—Payment architectures involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
-
- 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
- G06Q20/223—Payment schemes or models based on the use of peer-to-peer networks
-
- 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]
-
- 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]
- G06Q20/3227—Aspects of commerce using mobile devices [M-devices] using secure elements embedded in M-devices
Abstract
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 (5)
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 phone as a 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 |
Families Citing this family (38)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US20140089120A1 (en) | 2005-10-06 | 2014-03-27 | C-Sam, Inc. | Aggregating multiple transaction protocols for transacting between a plurality of distinct payment acquiring devices and a transaction acquirer |
US20130332343A1 (en) | 2005-10-06 | 2013-12-12 | C-Sam, Inc. | Multi-tiered, secure mobile transactions ecosystem enabling platform comprising a personalization tier, a service tier, and an enabling tier |
EP2667344A3 (en) | 2005-10-06 | 2014-08-27 | C-Sam, Inc. | Transactional services |
US20070106564A1 (en) | 2005-11-04 | 2007-05-10 | Utiba Pte Ltd. | Mobile phone as a point of sale (POS) device |
BRPI0618259C1 (en) * | 2005-11-04 | 2011-08-30 | Utiba Pte Ltd | mobile phone as a point of sale device (pos) |
US8510220B2 (en) | 2006-07-06 | 2013-08-13 | Qualcomm Incorporated | Methods and systems for viewing aggregated payment obligations 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 |
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 |
US8145568B2 (en) * | 2006-07-06 | 2012-03-27 | Firethorn Mobile, Inc. | Methods and systems for indicating a payment 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 |
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 |
US8489067B2 (en) | 2006-07-06 | 2013-07-16 | Qualcomm Incorporated | Methods and systems for distribution of a mobile wallet for a mobile device |
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 |
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 |
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 |
WO2010042560A2 (en) | 2008-10-06 | 2010-04-15 | Vivotech, Inc. | Systems, methods, and computer readable media 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 |
SI3447702T1 (en) | 2009-02-14 | 2020-10-30 | Net2Text Limited | Secure payment and billing method using mobile phone number or account |
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 |
EP2462567A2 (en) * | 2009-05-03 | 2012-06-13 | Logomotion, s.r.o. | A payment terminal using a mobile communication device, such as a mobile phone; a method of direct 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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WO1998034203A1 (en) * | 1997-01-30 | 1998-08-06 | Qualcomm Incorporated | Method and apparatus for performing financial transactions using a mobile communication unit |
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 |
-
2005
- 2005-02-04 WO PCT/IN2005/000038 patent/WO2005086593A2/en active Application Filing
- 2005-02-04 EP EP05747247A patent/EP1828998A2/en not_active Withdrawn
Patent Citations (6)
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WO1998034203A1 (en) * | 1997-01-30 | 1998-08-06 | Qualcomm Incorporated | Method and apparatus for performing financial transactions using a mobile communication unit |
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 (5)
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 phone as a 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 |
Also Published As
Publication number | Publication date |
---|---|
WO2005086593A2 (en) | 2005-09-22 |
EP1828998A2 (en) | 2007-09-05 |
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