+

WO2003024061A2 - Procede et systeme pour crediter une somme prepayee - Google Patents

Procede et systeme pour crediter une somme prepayee Download PDF

Info

Publication number
WO2003024061A2
WO2003024061A2 PCT/EP2002/010081 EP0210081W WO03024061A2 WO 2003024061 A2 WO2003024061 A2 WO 2003024061A2 EP 0210081 W EP0210081 W EP 0210081W WO 03024061 A2 WO03024061 A2 WO 03024061A2
Authority
WO
WIPO (PCT)
Prior art keywords
paid
account
user
telephone
mobile phone
Prior art date
Application number
PCT/EP2002/010081
Other languages
English (en)
Inventor
Abulgassim Abdelkader
Original Assignee
Abulgassim Abdelkader
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 Abulgassim Abdelkader filed Critical Abulgassim Abdelkader
Publication of WO2003024061A2 publication Critical patent/WO2003024061A2/fr

Links

Classifications

    • 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
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H04M17/20—Prepayment of wireline communication systems, wireless communication systems or telephone systems with provision for recharging the prepaid account or card, or for credit establishment
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H04M17/20—Prepayment of wireline communication systems, wireless communication systems or telephone systems with provision for recharging the prepaid account or card, or for credit establishment
    • H04M17/204—Prepayment of wireline communication systems, wireless communication systems or telephone systems with provision for recharging the prepaid account or card, or for credit establishment on-line recharging, e.g. cashless
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
    • H04W4/24—Accounting or billing
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H04M2017/24—Prepayment of wireline communication systems, wireless communication systems or telephone systems with on-line recharging of an account or card, e.g. cashless
    • 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
    • H04M2215/20—Technology dependant metering
    • H04M2215/2026—Wireless network, e.g. GSM, PCS, TACS
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/32—Involving wireless systems

Definitions

  • the present invention relates to the field of pre-paid telephone systems, and more particularly, to pre-paid payment methods.
  • Such pre-paid telephone systems usually rely on pre-paid telephone cards which enable a user to conveniently pay for telephone calls from mobile, public or residential telephones.
  • a pre-paid phone card has a substrate such as paper, paperboard or plastic imprinted with indicia such as a pre-printed personal identification number (PIN) which can be covered by a removable opaque coating.
  • PIN personal identification number
  • a pre-paid phone card user purchases the phone card either directly or indirectly from a telephone service provider for a fixed amount of money.
  • the telephone service provider maintains a central computer system which correlates the pre-printed voucher number and the cash value or a fixed time usage value associated with the phone card and monitors usage of the card.
  • the remaining value of the phone card is automatically debited by the central computer and/or by adjusting a representation of value on the card, until the cash value associated with the card is exhausted.
  • Pre-paid telephone services are particularly popular in GSM mobile telephony systems.
  • One example is the D2-CallYa product of Vodaphone (www.d2vodaphone.de/callya):
  • a customer purchases a pre-paid telephone card having a scratch field with a voucher number being covered by a removable wax layer. The customer needs to call a service- telephone number from its mobile phone and enters the voucher number after having removed the wax layer. This way the customer's pre-paid account is credited.
  • US patent no. 6,134,309 shows a pre-paid phone card system with a promotional link.
  • the phone card has a substrate such as paper, paper board or plastic, a personal identification number (PIN) which can be covered by a removable opaque coating and ma- chine readable indicia such as a bar code or magnetic strip used to link the phone card to a lottery game.
  • PIN personal identification number
  • Users purchase the pre-paid phone card for a fixed fee which entitles the user to a set amount of long distance phone service and a promotional lottery ticket.
  • WO 98/49658 shows an Internet payment system using smart cards. For payment of goods purchased via the Internet the card holder inserts his or her card into a card reader attached to a personal computer.
  • the card holder's balance and purchase amount are displayed, the card holder approves the purchase, and the amount is deducted from the stored-value card.
  • the transaction amount is captured by a security card or the merchant server for subsequent batch settlement through a clearing and administration system to the issuer and acquirer.
  • JP1110240 A and DE119903822A1 show other examples of such electronic payment methods which require the use of dedicated smart cards.
  • Figure 1 shows a block diagram of a prior art system for payment of telephone charges.
  • the system includes a server computer 100 with a telephone interface 102.
  • the telephone interface 102 has an assigned toll-free service number.
  • the server computer 100 further comprises a database 104 for storing a list of secret voucher numbers.
  • Database 106 contains a list of mobile subscriber integrated services digital numbers (MSISDN). These are the phone numbers of the registered customers of the telecommunication company operating the server computer 100. Each of the MSISDNs stored in database 106 has an assigned pre-paid credit amount.
  • MSISDN mobile subscriber integrated services digital numbers
  • a mobile phone 108 can be used to make calls via a mobile telephone network 110.
  • the mobile phone 108 has an integrated card reader for receiving a so-called SIM card 112 on which the MSISDN of the customer is stored. Further the mobile phone 108 has a keyboard 114.
  • the customer When the customer makes a call by means of mobile phone 108 the telephone charges which are incurred by the telephone call are charged to the pre-paid account which is assigned to the MSISDN stored on SIM card 112.
  • the customer buys a pre-paid card 116 which carries a secret voucher number 118 which is printed on the pre-paid card 116 under a removable wax sticker.
  • the customer calls the toll-free service number of server computer 100 to establish a telephone connection between mobile phone 108 and telephone interface 102 via the mobile telephone network 110.
  • the MSISDN is transmitted from the mobile phone 108 to the server 100 by means of the Caller Line Identification Service of the mobile telephone network 110.
  • the customer enters the secret voucher number 118 by means of keyboard 114 and the secret voucher number 118 is transmitted from the mobile phone 108 to server computer 100.
  • the server computer checks whether this secret voucher number is present in the list of secret voucher numbers stored in database 104. If this is the case an amount which is assigned to the secret voucher number 118 is credited to the pre-paid account of that customer.
  • the invention aims to provide an improved method of crediting a pre-paid amount and making payments by means of a pre-paid account as well as corresponding computer program products and a pre-paid telephone system.
  • the present invention provides for an improved method of crediting a pre-paid amount to a pre-paid telephone account which enables a customer to purchase goods or ser- vices by charging his or her pre-paid account. Further the invention provides for corresponding computer program products and a pre-paid telephone system.
  • the invention enables a customer to fill up his or her pre-paid account via the Internet.
  • the user For filling up his or her account the user needs to log on a Web site by e.g. inputting his or her user ID and password.
  • the user inputs the secret voucher number from a pre-paid telephone card.
  • an activation code is generated by the server computer.
  • the activation code is sent to the mobile phone of the customer. This can be accomplished by using a messaging service, such as Short Message Service (SMS), provided by the mobile telephone network.
  • SMS Short Message Service
  • the activation code When the customer receives the activation code on his mobile phone the activation code is transferred from the mobile phone to the personal computer of the user and from there transmitted back to the server.
  • the amount assigned to the pre-paid secret voucher number is credited to the users pre-paid account.
  • the pre-paid amount can be used by the customer for online shopping. Further the pre-paid account can also be used for providing payment of telephone charges. It is preferred that the pre-paid account is divided into sub-accounts for payment of telephone charges and for payment of online purchases. In accordance with a preferred embodiment of the invention, the user can transfer amounts between the sub- accounts.
  • the activation code provided by the server computer is transferred manually from the mobile phone to the personal computer.
  • the transfer is made by establishing a local communi- cation link between the mobile phone and the personal computer such as by means of infra-red (IR) interfaces.
  • IR infra-red
  • the invention is particularly advantageous as it enables the telecommunication operator to offer additional goods and/or services for online purchase as a by-product to its telecommunication services.
  • the invention is particularly advantageous for customers which can not obtain a credit card, such as children, teenagers or people without a regular income. Such customers are excluded from most Internet shops as these shops usually require credit card payment.
  • the invention enables these groups of customers to fully participate in electronic and mobile commerce, as payment is made by means of a pre-payment scheme of the invention.
  • Figure 1 is a block diagram of a prior art pre-paid telecommunication system
  • Figure 2 is a block diagram of an embodiment of a pre-paid telecommunication system of the invention
  • Figure 3 is an object relationship diagram of the block diagram of figure 2
  • Figure 4 is a block diagram of an alternative embodiment of the pre-paid telecommunication system of figure 2
  • FIG. 5 is illustrative of a flow diagram of an embodiment of the present invention
  • FIG. 2 shows a block diagram of a pre-paid telephone system.
  • the system comprises a server computer 200 with a telephone interface 202 which is assigned to a toll-free service number.
  • the server computer 200 has a database 204 for storing of user accounts. For each registered user the MSISDN and a credit amount assigned to the MSISDN is stored within database 204.
  • each MSISDN has authentication information assigned thereto.
  • this is a user ID and a password.
  • server computer 200 has a database 206 for storing a list of secret voucher numbers.
  • the list of secret voucher numbers stored in database 206 can be obtained by means of any of the known prior art methods for generating such numbers.
  • server computer 200 has a module 220 for providing activation codes. This can be done by means of a list of activation codes or a computer program generating pseudo random activation codes.
  • the program 222 serves to provide pre-paid services on the basis of database 204, database 206 and module 220.
  • Web site 224 on server computer 200 with one or more Web pages for the management of a user's account.
  • online shop 226 on server computer 200 or accessible through server computer 200.
  • a customer buys a pre-paid card 216 with an imprinted secret voucher number 218.
  • the user connects to the Internet 232 by means of personal computer 228 having a browser 230.
  • a corresponding Web page is loaded onto personal computer 228.
  • the user For the purposes of authentication the user needs to enter user ID and password. Next the user can enter the secret voucher number 218 which is imprinted on the pre-paid card 216.
  • the secret voucher number 218 is transmitted from the personal computer 228 via Internet 232 to server computer 200.
  • program 222 checks database 206. When the received secret voucher number 218 is valid, program 222 obtains an activation code from the module 220. This temporary activation code is stored for example by making a corresponding entry into database 204.
  • Program 222 reads the MSISDN from the customer from database 204 and generates an SMS message containing the activation code.
  • the SMS is sent to the MSISDN of the customer via telephone interface 202 over mobile telephone network 210 and is received by mobile phone 208.
  • the customer opens the SMS and reads the activation code on display 214.
  • the cus- tomer then manually inputs the activation code into personal computer 228 such that it is transmitted over Internet 232 to server computer 200.
  • the program 222 checks the correctness of the activation code. This is done by comparing the received activation code and the previously stored activation code. If both activation codes match this means that authentication is completed and the amount which is assigned to the secret voucher number 218 is credited to the customer's pre-paid account.
  • the customer can connect to online shop 226 in order to buy goods or services.
  • the user can select to charge his or her pre-paid account.
  • Figure 3 shows a corresponding object relationship diagram.
  • the account management Web page of Web site 224 is loaded from the server computer 200 to the personal computer 228.
  • the user inputs user ID and password.
  • the user inputs the secret voucher number which is transmitted from personal computer 228 to server computer 200.
  • the server computer 200 generates an electronic message which carries an activation code and which is sent to the phone 208 of the customer.
  • the activation code is transferred from the phone 208 to the personal computer 228. This can be done manually by the customer or by means of an local interconnec- tion which is established automatically in response to the reception of the message from the server computer 200.
  • the activation code is forwarded from the personal computer 228 to the server computer 200. If the activation code is correct the customers pre-paid account is credited and the corresponding acknowledgement is sent from the server computer 200 to the personal computer 228 and/or to phone 208.
  • FIG. 4 shows a block diagram of an alternative embodiment. Like elements of figures 2 and 4 are designated by the same reference numerals.
  • the Web site 224 has a script 400 which is loaded onto personal computer 228 when the customer connects to the Web site 224.
  • the script 400 can serve as a plug-in for browser 230.
  • the server computer 200 has an applet 402.
  • the applet 402 is transmitted together with the activation code to mobile phone 208 via mobile telephone network 210 after validation of the secret voucher number 218 by the program 222.
  • processor 404 executes IR link 410 between the IR interfaces 406 and 408 of mobile phone 208 and personal computer 228, respectively.
  • Next processor 404 sends the activation code via IR link 410 to personal computer 228.
  • the received activation code is transmitted without user interaction via Internet 232 to server computer 200. This has the advantage that no manual user interaction is required for transferring the activation code from the mobile phone 208 to the personal computer 228 and from there to server computer 200.
  • the users pre-paid account which is stored in database 208 is split into sub- account 1 and sub-account 2 in the example considered here.
  • the user chooses to fill up his or her pre-paid account via Internet 232 and not by calling the service number from his or her mobile phone 208 the corresponding amount is credited to sub- account 2.
  • sub-account 2 For payment of online purchases in online shop 226 the sub-account 2 is charged; telecommunication charges are deducted from sub-account 1.
  • the account management Web site 224 the user can transfer amounts between the sub-accounts 1 and 2.
  • sub-account 1 When sub-account 1 is empty there might still be credit on sub-account 2.
  • the corresponding telephone charges are deducted from sub-account 2 rather than sub-account 1 , if sub-account 1 is empty. This ensures that telephone service will not be interrupted as long as the user has any pre-paid credit.
  • Figure 5 shows a corresponding flow chart.
  • the user may purchase goods or services from an online shop of the telecommunication operator in step 502.
  • the purchase amount is charged to the users pre-paid sub- account 2 in step 504.
  • the user makes a telephone call.
  • it is checked whether the users pre-paid credit on sub-account 1 is sufficient to pay for the telephone charges.
  • sub-account 1 If the users pre-paid credit on his or her sub-account is sufficient the corresponding amount is deducted from sub-account 1 in step 512. In the opposite case the sub- account 2 is charged in step 510.
  • server computer 100 telephone interface 102 database 104 database 106 mobile phone 108 mobile telephone network 110
  • SIM card 212 display 214 pre-paid card 216 secret voucher number 218 module 220 program 222

Landscapes

  • Engineering & Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Signal Processing (AREA)
  • Computer Security & Cryptography (AREA)
  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Credit Cards Or The Like (AREA)
  • Telephonic Communication Services (AREA)

Abstract

L'invention concerne un procédé pour porter une somme prépayée au crédit d'un compte de téléphone à prépaiement. Ce procédé consiste à recevoir de la part d'un utilisateur, par une connexion de réseau informatique, un numéro secret de justificatif attribué à la somme prépayée, à créer un code d'activation pour la somme prépayée, à envoyer ce code d'activation, par l'intermédiaire d'un réseau téléphonique mobile, à un numéro de téléphone mobile de l'utilisateur, à recevoir le code d'activation de la part de l'utilisateur par la connexion de réseau informatique et à porter la somme prépayée au crédit du compte de téléphone à prépaiement.
PCT/EP2002/010081 2001-09-08 2002-09-09 Procede et systeme pour crediter une somme prepayee WO2003024061A2 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
AE20701 2001-09-08
AE(3)2001-207; 2001-09-08

Publications (1)

Publication Number Publication Date
WO2003024061A2 true WO2003024061A2 (fr) 2003-03-20

Family

ID=3460582

Family Applications (2)

Application Number Title Priority Date Filing Date
PCT/EP2002/008420 WO2003024082A2 (fr) 2001-09-08 2002-07-29 Carte telephonique prepayee comprenant un support d'enregistrement optique
PCT/EP2002/010081 WO2003024061A2 (fr) 2001-09-08 2002-09-09 Procede et systeme pour crediter une somme prepayee

Family Applications Before (1)

Application Number Title Priority Date Filing Date
PCT/EP2002/008420 WO2003024082A2 (fr) 2001-09-08 2002-07-29 Carte telephonique prepayee comprenant un support d'enregistrement optique

Country Status (2)

Country Link
AU (1) AU2002325920A1 (fr)
WO (2) WO2003024082A2 (fr)

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2005076523A1 (fr) 2004-02-05 2005-08-18 Veritas Mobile Solutions Pte. Ltd. Systeme et procede permettant d'authentifier l'identite d'un utilisateur
DE102006019465A1 (de) * 2006-04-26 2007-10-31 Siemens Ag Verfahren und Server zur Verwaltung von Teilnehmergebühren
WO2011005154A1 (fr) * 2009-07-06 2011-01-13 Telefonaktiebolaget L M Ericsson (Publ) Création et gestion de code d’accès de bon

Families Citing this family (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN1939046A (zh) * 2004-04-02 2007-03-28 皇家飞利浦电子股份有限公司 用于为移动电话付费的方法

Family Cites Families (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4831244A (en) * 1987-10-01 1989-05-16 Polaroid Corporation Optical record cards
JPH05193290A (ja) * 1992-01-17 1993-08-03 Nippon Telegr & Teleph Corp <Ntt> Ｃｄ付きテレフォンカードおよびその製造方法
WO2000036554A1 (fr) * 1998-12-11 2000-06-22 Slunsky Lubomir Carte en plastique comportant une couche optique active
GB9919861D0 (en) * 1999-08-23 1999-10-27 Ditone Labels Limited Label
GB2354348A (en) * 1999-09-14 2001-03-21 Martyn Eric Levett Data storage apparatus with regions for different purposes

Cited By (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2005076523A1 (fr) 2004-02-05 2005-08-18 Veritas Mobile Solutions Pte. Ltd. Systeme et procede permettant d'authentifier l'identite d'un utilisateur
EP1714424A4 (fr) * 2004-02-05 2010-12-15 Veritas Mobile Solutions Pte L Systeme et procede permettant d'authentifier l'identite d'un utilisateur
DE102006019465A1 (de) * 2006-04-26 2007-10-31 Siemens Ag Verfahren und Server zur Verwaltung von Teilnehmergebühren
DE102006019465B4 (de) * 2006-04-26 2008-01-03 Siemens Ag Verfahren und Server zur Verwaltung von Teilnehmergebühren
WO2011005154A1 (fr) * 2009-07-06 2011-01-13 Telefonaktiebolaget L M Ericsson (Publ) Création et gestion de code d’accès de bon

Also Published As

Publication number Publication date
WO2003024082A3 (fr) 2003-11-20
AU2002325920A8 (en) 2003-03-24
WO2003024082A2 (fr) 2003-03-20
AU2002325920A1 (en) 2003-03-24

Similar Documents

Publication Publication Date Title
EP1102465B1 (fr) Taxation de services de telecommunications
US8103548B2 (en) Intelligent transaction router and process for handling multi-product point of sale transactions
US8295458B2 (en) Systems and methods for monitoring “pay-as-you-go” telecommunication services
US7529563B1 (en) System for distribution and use of virtual stored value cards
RU2273049C2 (ru) Электронный платежный оборот с использованием службы коротких сообщений (sms)
US7168615B2 (en) Keycard for automating transaction requests
EP1131761A2 (fr) Systeme de paiement electronique avec compte intermediaire
WO2003012717A1 (fr) Systeme de distribution et d&#39;utilisation de cartes de valeurs stockees virtuelles
JPH11506558A (ja) プリペイド遠隔入力カスタマーアカウントを提供する方法および装置
US6830178B2 (en) Combination bank/phone card and method
KR20000037471A (ko) 대금 결제 서비스 방법 및 그를 위한 시스템
GB2379133A (en) A method of crediting an account via a mobile telephone handset and a secure host
US20030071115A1 (en) Data transmission method and device
CA2368577C (fr) Procede d&#39;execution de transactions financieres
EP1242983B1 (fr) Systeme de recharge d&#39;une valeur prepayee dans le cadre d&#39;une connexion telephonique
EP1325621A1 (fr) Gestionnaire de rechargement a itinerance
WO2002023851A2 (fr) Protocole de voix sur internet
WO2003024061A2 (fr) Procede et systeme pour crediter une somme prepayee
KR100837059B1 (ko) 이동 통신망에서의 스마트 카드를 이용한 지불결제시스템과 그 방법
IES20040572A2 (en) A system and method for validation of electronic vouchers
WO2005081148A1 (fr) Systeme et procede de validation de bons electroniques
KR20030083942A (ko) 이동 통신망에서의 통화 상품권 제공 시스템 및 방법
WO2007038936A1 (fr) Methode de distribution en temps reel de prestations financieres dans un systeme electronique
KR20090074445A (ko) 휴대폰 전화번호를 계좌로 한 대금 결제시스템 및 서비스방법
JP2002314718A (ja) Ｉｄ番号販売方法・ｉｄ番号販売システム・ｉｄ番号管理システム

Legal Events

Date Code Title Description
AK Designated states

Kind code of ref document: A2

Designated state(s): AE AG AL AM AT AU AZ BA BB BG BY BZ CA CH CN CO CR CU CZ DE DM DZ EC EE ES FI GB GD GE GH HR HU ID IL IN IS JP KE KG KP KR LC LK LR LS LT LU LV MA MD MG MN MW MX MZ NO NZ OM PH PL PT RU SD SE SG SI SK SL TJ TM TN TR TZ UA UG US UZ VN YU ZA ZM

AL Designated countries for regional patents

Kind code of ref document: A2

Designated state(s): GH GM KE LS MW MZ SD SL SZ UG ZM ZW AM AZ BY KG KZ RU TJ TM AT BE BG CH CY CZ DK EE ES FI FR GB GR IE IT LU MC PT SE SK TR BF BJ CF CG CI GA GN GQ GW ML MR NE SN TD TG

WA Withdrawal of international application
121 Ep: the epo has been informed by wipo that ep was designated in this application
NENP Non-entry into the national phase in:

Ref country code: JP

WWW Wipo information: withdrawn in national office

Country of ref document: JP

点击 这是indexloc提供的php浏览器服务，不要输入任何密码和下载