DE69821992D1 - System und verfahren zum steuern von finanziellen überweisungen über ein drahtloses netzwerk - Google Patents
System und verfahren zum steuern von finanziellen überweisungen über ein drahtloses netzwerkInfo
- Publication number
- DE69821992D1 DE69821992D1 DE69821992T DE69821992T DE69821992D1 DE 69821992 D1 DE69821992 D1 DE 69821992D1 DE 69821992 T DE69821992 T DE 69821992T DE 69821992 T DE69821992 T DE 69821992T DE 69821992 D1 DE69821992 D1 DE 69821992D1
- Authority
- DE
- Germany
- Prior art keywords
- transaction
- customer
- amount
- wireless network
- wireless device
- 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.)
- Expired - Fee Related
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
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F3/00—Input arrangements for transferring data to be processed into a form capable of being handled by the computer; Output arrangements for transferring data from processing unit to output unit, e.g. interface arrangements
- G06F3/01—Input arrangements or combined input and output arrangements for interaction between user and computer
- G06F3/048—Interaction techniques based on graphical user interfaces [GUI]
- G06F3/0484—Interaction techniques based on graphical user interfaces [GUI] for the control of specific functions or operations, e.g. selecting or manipulating an object, an image or a displayed text element, setting a parameter value or selecting a range
- G06F3/04842—Selection of displayed objects or displayed text elements
-
- 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
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking 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
- G06Q20/08—Payment architectures
- G06Q20/20—Point-of-sale [POS] network systems
- G06Q20/202—Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
-
- 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]
- G06Q20/3224—Transactions dependent on location of 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]
- G06Q20/3226—Use of secure elements separate from 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
- G06Q20/326—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
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
- G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
- G06Q20/3674—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes involving authentication
-
- 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
- G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
-
- 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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L67/00—Network arrangements or protocols for supporting network services or applications
- H04L67/01—Protocols
- H04L67/04—Protocols specially adapted for terminals or networks with limited capabilities; specially adapted for terminal portability
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L67/00—Network arrangements or protocols for supporting network services or applications
- H04L67/2866—Architectures; Arrangements
- H04L67/30—Profiles
- H04L67/306—User profiles
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L67/00—Network arrangements or protocols for supporting network services or applications
- H04L67/50—Network services
- H04L67/51—Discovery or management thereof, e.g. service location protocol [SLP] or web services
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L67/00—Network arrangements or protocols for supporting network services or applications
- H04L67/50—Network services
- H04L67/535—Tracking the activity of the user
-
- 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
- H04W—WIRELESS COMMUNICATION NETWORKS
- H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
- H04W4/02—Services making use of location information
- H04W4/025—Services making use of location information using location based information parameters
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04M—TELEPHONIC COMMUNICATION
- H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
-
- 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
- H04M2215/0176—Billing arrangements using internet
-
- 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
- H04M2215/32—Involving wireless systems
Applications Claiming Priority (3)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US08/997,489 US7167711B1 (en) | 1997-12-23 | 1997-12-23 | System and method for controlling financial transactions over a wireless network |
US997489 | 1997-12-23 | ||
PCT/US1998/026786 WO1999033034A1 (en) | 1997-12-23 | 1998-12-16 | System and method for controlling financial transactions over a wireless network |
Publications (2)
Publication Number | Publication Date |
---|---|
DE69821992D1 true DE69821992D1 (de) | 2004-04-01 |
DE69821992T2 DE69821992T2 (de) | 2005-01-05 |
Family
ID=25544086
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
DE1998621992 Expired - Fee Related DE69821992T2 (de) | 1997-12-23 | 1998-12-16 | System und verfahren zum steuern von finanziellen überweisungen über ein drahtloses netzwerk |
Country Status (9)
Country | Link |
---|---|
US (7) | US7167711B1 (de) |
EP (1) | EP1046144B1 (de) |
JP (1) | JP2001527254A (de) |
AT (1) | ATE260502T1 (de) |
AU (1) | AU2087099A (de) |
BR (1) | BR9814407A (de) |
CA (1) | CA2316389A1 (de) |
DE (1) | DE69821992T2 (de) |
WO (1) | WO1999033034A1 (de) |
Families Citing this family (185)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US7167711B1 (en) * | 1997-12-23 | 2007-01-23 | Openwave Systems Inc. | System and method for controlling financial transactions over a wireless network |
WO1999044165A1 (en) * | 1998-02-25 | 1999-09-02 | E-Lysium Transaction Systems Inc. | Electronic commerce methods and apparatus |
US7364068B1 (en) | 1998-03-11 | 2008-04-29 | West Corporation | Methods and apparatus for intelligent selection of goods and services offered to conferees |
US7437313B1 (en) | 1998-03-11 | 2008-10-14 | West Direct, Llc | Methods, computer-readable media, and apparatus for offering users a plurality of scenarios under which to conduct at least one primary transaction |
EP1129439A1 (de) * | 1998-11-11 | 2001-09-05 | NCR International, Inc. | Vorrichtungen und netzwerke zum austauschen von digitalen daten |
JP2001034691A (ja) * | 1999-07-22 | 2001-02-09 | Nec Shizuoka Ltd | 携帯端末による代金支払システム |
US7376583B1 (en) | 1999-08-10 | 2008-05-20 | Gofigure, L.L.C. | Device for making a transaction via a communications link |
US7720762B1 (en) | 2002-10-03 | 2010-05-18 | Gofigure Payments, Llc | System and method for electronically processing commercial transactions based upon threshold amount |
US7308426B1 (en) * | 1999-08-11 | 2007-12-11 | C-Sam, Inc. | System and methods for servicing electronic transactions |
DE19938201A1 (de) * | 1999-08-12 | 2001-02-22 | Mannesmann Ag | SMS-e-commerce |
DE19946537A1 (de) * | 1999-09-28 | 2001-04-05 | Deutsche Telekom Mobil | Verfahren zur Abrechnung von Internet-Dienstleistungen über Mobilfunk |
DE19946539B4 (de) | 1999-09-28 | 2010-04-29 | T-Mobile Deutschland Gmbh | Verfahren zur Abrechnung von Internet-Geschäften über Mobilfunk |
EP1093097A3 (de) * | 1999-10-14 | 2004-01-07 | International Business Machines Corporation | System und Verfahren zur Durchführung versicherter finanzieller Transaktionen |
JP3681937B2 (ja) * | 1999-10-29 | 2005-08-10 | サンデン株式会社 | キャッシュレス自動販売システム |
US20020055351A1 (en) | 1999-11-12 | 2002-05-09 | Elsey Nicholas J. | Technique for providing personalized information and communications services |
AU2388601A (en) * | 1999-12-03 | 2001-06-12 | Secure Electronic Commerce (Proprietary) Limited | A method and system for facilitating the playing of a game |
JP2001357202A (ja) * | 1999-12-06 | 2001-12-26 | Ebank Kk | 電子決済システム及び電子決済方法 |
US6934858B2 (en) * | 1999-12-15 | 2005-08-23 | Authentify, Inc. | System and method of using the public switched telephone network in providing authentication or authorization for online transactions |
ATE242526T1 (de) * | 1999-12-23 | 2003-06-15 | Swisscom Mobile Ag | Zahlungstransaktionsverfahren und zahlungstransaktionssystem |
GB2357618A (en) * | 1999-12-23 | 2001-06-27 | Nokia Mobile Phones Ltd | Transaction system |
JP2001297275A (ja) * | 1999-12-28 | 2001-10-26 | Future Financial Strategy Kk | 無線電話装置、店舗装置、並びにこれらを用いた決済方法及びシステム |
JP2001297277A (ja) * | 1999-12-28 | 2001-10-26 | Future System Consulting Corp | 取引の決済に用いる供給者側の携帯通信装置 |
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GB0001548D0 (en) * | 2000-01-24 | 2000-03-15 | Air Pay Limited | A method and device for crediting a creditable machine |
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ATE272242T1 (de) * | 2000-01-28 | 2004-08-15 | Fundamo Proprietary Ltd | Bankensystem mit verbesserter identifizierung von finanzbuchhaltungskonten |
IL134354A0 (en) * | 2000-02-03 | 2001-04-30 | Ranit T S Technical Services L | Electronic transaction system |
EP1410270A4 (de) * | 2000-02-05 | 2008-10-22 | Diebold Inc | System und verfahren zum ausgeben von digitalen informationen aus einem transaktionsautomaten |
ES2166313B1 (es) * | 2000-02-18 | 2003-06-16 | Europ Network Economy S L | Sistema de autenticacion de telefonos moviles. |
DE10008280C1 (de) * | 2000-02-23 | 2001-06-13 | Wire Card Ag | Verfahren und System zur automatischen Abwicklung von bargeldlosen Kaufvorgängen |
FI108592B (fi) | 2000-03-14 | 2002-02-15 | Sonera Oyj | Laskutus langatonta sovellusprotokollaa käyttävässä matkapuhelinjärjestelmässä |
FI108828B (fi) | 2000-03-14 | 2002-03-28 | Sonera Oyj | Laskutuksen järjestäminen tietoliikennejärjestelmässä |
ES2170647B2 (es) * | 2000-03-24 | 2003-09-16 | Mobipay Espana S A | Procedimiento y sistema de pagos y transacciones a distancia en tiempo real mediante telefono movil. |
IL137591A0 (en) * | 2000-03-24 | 2001-07-24 | Banco Bilbao Vizcaya Argentari | System and process for remote payments and transactions in real time by mobile telephone |
JP2001291040A (ja) * | 2000-04-05 | 2001-10-19 | Nec Corp | 料金代行サービス方法及びシステム |
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WO2002071353A1 (de) * | 2001-03-01 | 2002-09-12 | Peter Ligezinski | Vorrichtung und verfahren zum bargeldlosen bezahlen |
FI114675B (fi) * | 2001-04-05 | 2004-11-30 | Teliasonera Finland Oyj | Menetelmä laskutustiedon muodostamiseksi tietoverkkojärjestelmässä ja tietoverkkojärjestelmä |
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-
1997
- 1997-12-23 US US08/997,489 patent/US7167711B1/en not_active Expired - Fee Related
-
1998
- 1998-12-16 AT AT98965395T patent/ATE260502T1/de not_active IP Right Cessation
- 1998-12-16 DE DE1998621992 patent/DE69821992T2/de not_active Expired - Fee Related
- 1998-12-16 EP EP98965395A patent/EP1046144B1/de not_active Expired - Lifetime
- 1998-12-16 WO PCT/US1998/026786 patent/WO1999033034A1/en active IP Right Grant
- 1998-12-16 AU AU20870/99A patent/AU2087099A/en not_active Abandoned
- 1998-12-16 BR BR9814407A patent/BR9814407A/pt not_active Application Discontinuation
- 1998-12-16 JP JP2000525866A patent/JP2001527254A/ja active Pending
- 1998-12-16 CA CA002316389A patent/CA2316389A1/en not_active Abandoned
-
2006
- 2006-04-17 US US11/405,312 patent/US7711100B2/en not_active Expired - Fee Related
-
2010
- 2010-05-03 US US12/772,422 patent/US8280402B2/en not_active Expired - Fee Related
-
2012
- 2012-08-31 US US13/601,816 patent/US20120330767A1/en not_active Abandoned
-
2014
- 2014-09-04 US US14/477,785 patent/US9135613B2/en not_active Expired - Fee Related
- 2014-09-04 US US14/477,663 patent/US9111271B2/en not_active Expired - Fee Related
- 2014-09-04 US US14/477,750 patent/US9147185B2/en not_active Expired - Fee Related
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US7167711B1 (en) | 2007-01-23 |
BR9814407A (pt) | 2002-07-23 |
US20120330767A1 (en) | 2012-12-27 |
US8280402B2 (en) | 2012-10-02 |
JP2001527254A (ja) | 2001-12-25 |
US20140379500A1 (en) | 2014-12-25 |
CA2316389A1 (en) | 1999-07-01 |
EP1046144B1 (de) | 2004-02-25 |
US20140379502A1 (en) | 2014-12-25 |
EP1046144A1 (de) | 2000-10-25 |
US9147185B2 (en) | 2015-09-29 |
ATE260502T1 (de) | 2004-03-15 |
DE69821992T2 (de) | 2005-01-05 |
US20100211470A1 (en) | 2010-08-19 |
US7711100B2 (en) | 2010-05-04 |
US20140379786A1 (en) | 2014-12-25 |
US9135613B2 (en) | 2015-09-15 |
AU2087099A (en) | 1999-07-12 |
US20060190351A1 (en) | 2006-08-24 |
WO1999033034A1 (en) | 1999-07-01 |
US9111271B2 (en) | 2015-08-18 |
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