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WO2003056525A1 - Dispositif pour paiements electroniques via un reseau gsm - Google Patents

Dispositif pour paiements electroniques via un reseau gsm Download PDF

Info

Publication number
WO2003056525A1
WO2003056525A1 PCT/YU2002/000006 YU0200006W WO03056525A1 WO 2003056525 A1 WO2003056525 A1 WO 2003056525A1 YU 0200006 W YU0200006 W YU 0200006W WO 03056525 A1 WO03056525 A1 WO 03056525A1
Authority
WO
WIPO (PCT)
Prior art keywords
gsm network
transfer
money
bank
via gsm
Prior art date
Application number
PCT/YU2002/000006
Other languages
English (en)
Inventor
Dejan Dragojlovic
Original Assignee
Dejan Dragojlovic
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 Dejan Dragojlovic filed Critical Dejan Dragojlovic
Priority to AU2002248797A priority Critical patent/AU2002248797A1/en
Publication of WO2003056525A1 publication Critical patent/WO2003056525A1/fr

Links

Classifications

    • 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
    • G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
    • 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • 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
    • G07F7/0873—Details of the card reader
    • G07F7/088—Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself
    • G07F7/0886—Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself the card reader being portable for interacting with a POS or ECR in realizing a payment transaction

Definitions

  • the field of invention refers to electrical engineering, and more precisely to complex electronic systems that enable cashless transfer of money via GSM network.
  • the object of invention has been classified and coded by the basic classification symbol GOF 19/00, defining systems for complete banking operations, i.e. devices that are activated by a coded card for delivery or receipt of money etc. and transfer of information on these operations to the existing accounts.
  • IPC international patent classification
  • Intcl5 the object of invention has been classified and coded by the basic classification symbol GOF 19/00, defining systems for complete banking operations, i.e. devices that are activated by a coded card for delivery or receipt of money etc. and transfer of information on these operations to the existing accounts.
  • the subject of invention also provides the reference/parent banks with the data necessary for electronic payment for goods and services, it can aslo be coded by the secondary classification symbol G06F 15/30 referring to equipment for data processing for banking computations.
  • the technical problem that is solved by the invention in question is composed of the following: How to design a device to enable cashless transfer of money that can completely substitute the current cash payment, checks and credit cards and, at the same time, make the transaction simple, automated, rapid and safe, as well as to make it feasible in the areas covered by GSM network.
  • the first banking system of national importance was the Bank Americard initiated in 1950, while soon new systems were licensed in other states and promptly spread worldwide. As soon as the largest companies started to use credit cards successfully, they organized their respective electronic and computation systems.
  • POS point of sale
  • POS terminals were construed making it possible for a credit card to be authenticated in less than 15 seconds within the network that covers traders worldwide with the center for credit card processing and credit card issuer.
  • wide communication networks have been established to lingk the POS with the computer centers.
  • the basic segments of the so-called electronic transfer of money comprise: credit card owner, persons who sells goods/services, POS terminal, bank processing the payment and credit card issuer.
  • the invention is a device construed to enable electronic transfer of money by mobile (cellular) phone via GSM network that links the POS for payment with the parent bank.
  • the device is a new mobile point of sale (MOBIL POS) that can be easily installed in any sale/service providing facility covered by GSM network.
  • MOBIL POS new mobile point of sale
  • this design of MOBIL POS combined with a mobile phone makes it possible for the bank provided with appropriate software to communicate with clients and POS device and to carry out the money transfer, i.e. electronic payment for goods and services effectively.
  • the device design is simple, portable and presented in the form of a compact housing with GSM modem, keyboard, display and mini printer that enable electronic transfer of money even at places where regular phone lines are not available.
  • the essence of the invention is in the fact that protection of the data in the course of electronic transfer is realized via Personal Identification Number (PIN), which is believed, in combination with some other additional protection measures, to be the most effective defense in case of attempted abuse.
  • PIN contains the identification number - a hidden code expressed in figures used only for identification of mobile phone owners.
  • the client calls the mobile card number integrated in any mobile POS device from his own mobile phone.
  • the mobile POS device rejects the call showing the number calling on the display.
  • the mobile phone owner confirms that the number on the Mobile POS display is his phone number.
  • the mobile phone owners types in his own code that he authenticated with his parent bank where his personal funds are deposited (at least the four figure code).
  • the client types in the amount of money he/she wishes to release for payment and transfer to the point of sale.
  • the Mobile POS device calls the bank via GSM network to carry out the transaction.
  • Mobile POS transfers the data described in points 1 through 5 above.
  • the software application installed in the bank checks who the owner of the phone from which the call to Mobile POS was made is and checks if the entered code corresponds to the phone from which the call has been made to the Mobile POS device. If the data entered into the Mobile POS coincide with the data memorized in the software application, the balance on the client's account with the bank is checked. If the amount spent at the point of sale is below the amount available and deposited with the bank on behalf of the mobile phone owner, automatic withdrawal of the amount spent at the point of sale from the client's account takes place on behalf of the point of sale.
  • the software application sends the data, via GSM network, related to the owner (first name, family name, phone number, address, time of purchase and name of point of sale) back to the Mobile POS device. 0. Having received confirmation of the transaction and the data described in point 9 above, the
  • Mobile POS prints out the certificate on the monetary transaction (the printed data contain all data except the phone number and personal code.)
  • the device for electronic transfer of money via GSM network has multiple advantages, the most important being:
  • the device is simple, reliable, characterized with modular structure that provides compatibility for integration of new elements that upgrade its hardware and software parts alike;
  • Figure 1 shows a simplified scheme of operation of the device for cashless transfer of money via GSM network connected into the system of electronic money transfer between a point of sale and parent bank.
  • Figure 2 illustrates the functional diagram of the device for cashless transfer of money via GSM network.
  • FIG. 2 illustrates that the device 11 for cashless transfer of money via GSM network is composed of housing 1 where LCD display 2, mini printer 3, GSM module 4, keyboard 6 and micro controller 7 are placed and their power supply is realized via voltage stabilizer 5.
  • the elements of the device 11 are linked so that the micro controller 7 (standard type), marked with number Picl ⁇ f 877/874 via the interface RS 232 receives information from the inflow module, keyboard 6 and entry port of GSM module 4, processes the data and then sends the needed information and data also via RS 232 port to the outflow device, LCD display 2, mini printer 3 and outflow part of
  • GSM module 4 that subsequently, via antenna 8 enables further sending of the data via GSM network 10 to the bank 12 provided with software applicaton and ability to receive, process and return the processing result again via GSM network 10 to the device 11, i.e. micro controller 7.
  • Figures 1 illustrates the mode of functioning of the device 11 for cashless transfer of money via GSM network 10 when it is integrated into the electronic payment system noting that it is not yet complete, since it does not present in detail the operations of financial network relevant for a commercial bank 12 functioning.

Landscapes

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

Abstract

L'invention concerne un dispositif pour paiements électroniques via un réseau GSM, selon un concept de dispositif (11) assurant les paiements électroniques via un téléphone mobile, pour remplacer les moyens de paiement classiques. Ce dispositif offre les avantages suivants: sécurité et rapidité de transaction, et réalisation d'une transaction en tout point, là où un réseau GSM est disponible. Le dispositif (11) considéré comporte un boîtier (1) équipé d'un afficheur à cristaux liquides (2), une mini-imprimante (3), un module GSM (4), un clavier (6), un microcontrôleur (7) et un régulateur de tension (5) mutuellement reliés, de sorte que, via une antenne (8) et via le réseau GSM (10), une relation soit établie entre le point de vente (9) et la banque (12), permettant la réalisation d'une transaction souhaitée par le propriétaire du téléphone mobile, également détenteur d'un compte auprès de la banque.
PCT/YU2002/000006 2001-12-28 2002-03-28 Dispositif pour paiements electroniques via un reseau gsm WO2003056525A1 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU2002248797A AU2002248797A1 (en) 2001-12-28 2002-03-28 A device for cashless transfer of money via gsm network

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
YUP-934/01 2001-12-28
YUP093401 2001-12-28

Publications (1)

Publication Number Publication Date
WO2003056525A1 true WO2003056525A1 (fr) 2003-07-10

Family

ID=25552059

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/YU2002/000006 WO2003056525A1 (fr) 2001-12-28 2002-03-28 Dispositif pour paiements electroniques via un reseau gsm

Country Status (2)

Country Link
AU (1) AU2002248797A1 (fr)
WO (1) WO2003056525A1 (fr)

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP1831834A2 (fr) * 2004-12-08 2007-09-12 Way Systems, Inc. Dispositif d'entree de nip securise destine a des telephones portables

Citations (10)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1993006564A1 (fr) * 1991-09-27 1993-04-01 Khyber Technologies Corporation Dispositif portatif integre pour le traitement de transactions au point de vente
US5408078A (en) * 1992-07-16 1995-04-18 Telxon Corporation Portable point of sale terminal
WO1998011519A1 (fr) * 1996-09-13 1998-03-19 Siemens Aktiengesellschaft Paiement sans numeraire avec un appareil radio mobile
WO1999033034A1 (fr) * 1997-12-23 1999-07-01 Global Mobility Systems, Inc. Systeme et procede de commande de transactions financieres par un reseau de telecommunication
EP0940783A2 (fr) * 1998-03-05 1999-09-08 Keycorp Limited Terminal mobile pour paiement électronique
EP1014317A1 (fr) * 1998-12-14 2000-06-28 Sagem Sa Procédé de paiement sécurisé
US6098055A (en) * 1996-02-07 2000-08-01 Nec Corporation Banking system equipped with a radio linked portable terminal
WO2001031594A1 (fr) * 1999-10-25 2001-05-03 Swisscom Mobile Ag Systeme et procede de transaction de paiement
WO2001048707A1 (fr) * 1999-12-23 2001-07-05 Sagem Sa Terminal de paiement par carte a puce
WO2001052202A1 (fr) * 2000-01-12 2001-07-19 Marconi Commerce Systems Inc. Transactions fondees sur un telephone cellulaire

Patent Citations (10)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1993006564A1 (fr) * 1991-09-27 1993-04-01 Khyber Technologies Corporation Dispositif portatif integre pour le traitement de transactions au point de vente
US5408078A (en) * 1992-07-16 1995-04-18 Telxon Corporation Portable point of sale terminal
US6098055A (en) * 1996-02-07 2000-08-01 Nec Corporation Banking system equipped with a radio linked portable terminal
WO1998011519A1 (fr) * 1996-09-13 1998-03-19 Siemens Aktiengesellschaft Paiement sans numeraire avec un appareil radio mobile
WO1999033034A1 (fr) * 1997-12-23 1999-07-01 Global Mobility Systems, Inc. Systeme et procede de commande de transactions financieres par un reseau de telecommunication
EP0940783A2 (fr) * 1998-03-05 1999-09-08 Keycorp Limited Terminal mobile pour paiement électronique
EP1014317A1 (fr) * 1998-12-14 2000-06-28 Sagem Sa Procédé de paiement sécurisé
WO2001031594A1 (fr) * 1999-10-25 2001-05-03 Swisscom Mobile Ag Systeme et procede de transaction de paiement
WO2001048707A1 (fr) * 1999-12-23 2001-07-05 Sagem Sa Terminal de paiement par carte a puce
WO2001052202A1 (fr) * 2000-01-12 2001-07-19 Marconi Commerce Systems Inc. Transactions fondees sur un telephone cellulaire

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP1831834A2 (fr) * 2004-12-08 2007-09-12 Way Systems, Inc. Dispositif d'entree de nip securise destine a des telephones portables
EP1831834A4 (fr) * 2004-12-08 2012-10-17 Verifone Inc Dispositif d'entree de nip securise destine a des telephones portables

Also Published As

Publication number Publication date
AU2002248797A1 (en) 2003-07-15

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