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WO2019147160A1 - Procédé de paiement en utilisant un numéro d'abonné unique de téléphone mobile - Google Patents

Procédé de paiement en utilisant un numéro d'abonné unique de téléphone mobile Download PDF

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Publication number
WO2019147160A1
WO2019147160A1 PCT/RU2018/000145 RU2018000145W WO2019147160A1 WO 2019147160 A1 WO2019147160 A1 WO 2019147160A1 RU 2018000145 W RU2018000145 W RU 2018000145W WO 2019147160 A1 WO2019147160 A1 WO 2019147160A1
Authority
WO
WIPO (PCT)
Prior art keywords
subscriber
payment
bank
payment system
personal account
Prior art date
Application number
PCT/RU2018/000145
Other languages
English (en)
Russian (ru)
Inventor
Артём Юрьевич ВИЛЬМАН
Тамара Фёдоровна ЛУЖНОВА
Ян Иванович КУХАЛЬСКИЙ
Алексей Вячеславович БАСКАКОВ
Максим Евгеньевич ПОТАПОВ
Original Assignee
Публичное Акционерное Общество "Мегафон"
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 Публичное Акционерное Общество "Мегафон" filed Critical Публичное Акционерное Общество "Мегафон"
Publication of WO2019147160A1 publication Critical patent/WO2019147160A1/fr

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
    • G06Q20/30—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
    • 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

Definitions

  • the invention relates to hardware and software tools that provide the infrastructure for making payments using mobile devices for settlements using a mobile electronic wallet.
  • the work of the mobile e-wallet is provided by a third-party organization, which has an account with the relevant users of mobile devices.
  • Mobile phones and other digital devices are becoming popular, and are used by users to perform a large number of different everyday tasks.
  • mobile devices allow users to check email messages, send and receive instant messages, track events in their personal calendar, take notes, set reminders, browse sites on the Internet, play games, and perform many other tasks using specialized applications.
  • Such applications allow mobile devices to exchange data over a computer network with other computer systems and perform a wide range of tasks using other network-connected devices, such tasks that were previously unavailable for implementation using a mobile device.
  • the group of inventions relates to the means of confirming transactions through mobile devices.
  • the result is improved security for conducting transactions through a mobile device.
  • the control device sends a request message containing transaction data to the mobile device, which can send a confirmation message to the control device containing a confirmation code.
  • the control device and / or the mobile device contain one or more digital storage devices in which a security application is stored for encrypting and creating a digital signature in the request message and / or confirmation message, respectively, before sending it.
  • the system implements the transmission of transaction data in an encrypted form. The disadvantage is that it is possible to decrypt such data and reuse billing data for illegal purposes.
  • MSISDN phone number
  • phone number is a unique subscriber identifier in the mobile network.
  • Primary number the phone number to which the card is attached.
  • Additional number is a telephone number for sending SMS alerts and a 3DS password to a subscriber of a mobile network when performing card transactions.
  • the Cardholder is a mobile network subscriber who has passed the appropriate identification and entered into a contract with the Bank, the number of which is indicated on the card.
  • SMS-notifications (informing) - a service for a subscriber of a mobile network to receive an SMS from the Bank about completed transactions (transactions) on the card; connects automatically to all issued cards.
  • PS payment system
  • the technical result of the invention is to ensure the safety of making payments when making electronic payments through the user's mobile device. To do this, they use the user's phone number and the tokens based on the phone number that are used only once for each individual payment transaction.
  • the phone number of the mobile network subscriber with a personal account is tied to the payment system (for example, ApplePay, Apple Wallet, Android Pay, Google Wallet, Samsung Pay).
  • the personal account of the mobile network subscriber is opened by the mobile operator and can be used for mutual settlements between the user and the operator for the communication services provided.
  • the mobile network subscriber After linking the personal account of the mobile network subscriber to the payment system, the mobile network subscriber is provided with electronic payment services to pay for purchases using the payment system, and the funds available to the mobile network subscriber on the subscriber's personal account will be used in the payment calculations.
  • the telephone number of the subscriber of the mobile network is used to create a virtual payment card that is adapted to register with the payment system (for example, ApplePay, Apple Wallet, Android Pay, Google Wallet, Samsung Pay) with subsequent settlements from the subscriber’s personal account.
  • the payment system for example, ApplePay, Apple Wallet, Android Pay, Google Wallet, Samsung Pay
  • the creation (emission) of a virtual bank card takes place directly in the application with reference to the subscriber number.
  • the PAN number is not known even to the mobile subscriber himself. network, thus eliminating the possibility of compromising the card number, so that they are used by attackers.
  • Payment is made using the standard functionality of the payment system, for example, through the user's fingerprint.
  • the funds are on the personal account of the mobile network operator's subscriber. They are not transferred to the bank account of the credit institution. The transfer of money to a credit institution for further payment for the services of a particular seller is made only at the time of the transaction.
  • Figure 1A, 1B, 1C displays the personal account of the mobile network subscriber.
  • the mobile device is configured to authorize in the personal account of the mobile network subscriber and display the initial page of the personal office of the mobile network subscriber ( Figure 1B).
  • the interface of the personal account of the mobile network subscriber provides the ability to activate the number binding module (Figure 1B), while the mobile network subscriber is shown the bank's offer to issue a card and a list of payment systems, at least one of: ApplePay, Apple Wallet, Android Pay, Google Wallet, Samsung Pay.
  • the interface of the personal account of the mobile network subscriber ensures receipt of the choice of the mobile network subscriber: “I do not accept”, “I accept”.
  • error to the subscriber of the mobile network displays an error page with information about the error that occurred, for example, incorrect passport data entered, and the need to contact the representative of the mobile operator to correct the erroneous information.
  • the standard process of adding a card to the selected payment system is launched, at least one of: ApplePay, Apple Wallet, Android Pay, Google Wallet, Samsung Pay.
  • a virtual bank card is issued, the last 4 digits of the bank card number (PAN) of the card coincide with 4 digits of the mobile subscriber number of the mobile network with the integration of services (MSISDN) of the mobile network subscriber.
  • the mobile network subscriber clicks “Done” and returns to the initial page of the personal account or is automatically redirected to the initial page of the personal account.
  • full information is provided and a subscriber of a mobile communication network is serviced, which contacts the contact center (of a telecom operator or Bank) on the issue of payment wallets.
  • "Operator Console" is implemented and provides information and control.
  • the support interface provides basic functions for the service employee who identifies the mobile network subscriber. After successful identification, the employee conducts the service of the mobile network subscriber, using information received through the "operator console".
  • the mobile subscriber number When making a change, the mobile subscriber number:
  • the bank informs the Apple Wallet, Android Pay, Google Wallet, Samsung Pay payment application about card blocking.
  • the bank informs the Apple Wallet, Android Pay, Google Wallet, Samsung Pay payment application about card blocking.
  • the bank informs the Apple Wallet, Android Pay, Google Wallet, Samsung Pay payment application about card blocking.
  • the claimed invention has significant differences compared with the mentioned analogues, it is much more technologically advanced, since all the technical solutions underlying it provide for the maximum level of automation of the system operation process, minimize the participation of the "human factor” and related inevitable errors in the process of system operation.

Landscapes

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

Abstract

L'invention concerne des moyens pour effectuer des paiements à l'aide de systèmes de paiement. Le résultat technique consiste en la sécurité de réalisation de paiements lorsque l'on effectue des paiements électroniques. Ce résultat est atteint en utilisant un procédé consistant à associer un numéro de téléphone d'abonné de réseau mobile avec un compte personnel à un système de paiement, dans lequel on effectue les étapes suivantes. Le compte personnel de l'abonné est ouvert par un opérateur de communications mobiles, et le compte de l'abonné est utilisé pour des opérations réciproques entre l'utilisateur et l'opérateur pour des services de communication proposés. Le numéro de téléphone de l'abonné est utilisé pour créer une carte de paiement virtuelle qui peut être enregistrée dans un système de paiement en vues d'opérations ultérieures depuis le compte personnel de l'abonné. On effectue une association entre le compte personnel de l'abonné et le système de paiement. On fournit à l'abonné des services de paiement électronique afin de payer des achats en utilisant le système de paiement, et on utilise, dans les opérations de paiement, des moyens financiers accessibles pour l'abonné du réseau de communication sur le compte personnel de l'abonné.
PCT/RU2018/000145 2018-01-23 2018-03-07 Procédé de paiement en utilisant un numéro d'abonné unique de téléphone mobile WO2019147160A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
RU2018102585A RU2696953C1 (ru) 2018-01-23 2018-01-23 Способ использования уникального номера абонента мобильного телефона для расчетов с использованием платежных систем
RU2018102585 2018-01-23

Publications (1)

Publication Number Publication Date
WO2019147160A1 true WO2019147160A1 (fr) 2019-08-01

Family

ID=67396158

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/RU2018/000145 WO2019147160A1 (fr) 2018-01-23 2018-03-07 Procédé de paiement en utilisant un numéro d'abonné unique de téléphone mobile

Country Status (2)

Country Link
RU (1) RU2696953C1 (fr)
WO (1) WO2019147160A1 (fr)

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
DE102022002474B3 (de) 2022-07-07 2023-10-05 Mercedes-Benz Group AG Verfahren zum Bezahlen von Waren und/oder Dienstleistungen

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
RU2482538C1 (ru) * 2011-09-21 2013-05-20 Константин Михайлович Муссель Способ оплаты товаров и услуг для традиционной и электронной коммерции
WO2014037783A1 (fr) * 2012-09-06 2014-03-13 2 Pay S.R.L. Carte pré-payée virtuelle, son procédé de création et son utilisation
RU2520392C2 (ru) * 2008-09-19 2014-06-27 Логомотион, С.Р.О. Система электронных платежей и способ авторизации платежа
WO2016200776A1 (fr) * 2015-06-12 2016-12-15 American Express Travel Related Services Company, Inc. Systèmes et procédés pour émetteur de compte permettant de gérer un portefeuille mobile
US20170323288A1 (en) * 2008-08-14 2017-11-09 Payfone, Inc. System and method for paying a merchant by a registered user using a cellular telephone account

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20170323288A1 (en) * 2008-08-14 2017-11-09 Payfone, Inc. System and method for paying a merchant by a registered user using a cellular telephone account
RU2520392C2 (ru) * 2008-09-19 2014-06-27 Логомотион, С.Р.О. Система электронных платежей и способ авторизации платежа
RU2482538C1 (ru) * 2011-09-21 2013-05-20 Константин Михайлович Муссель Способ оплаты товаров и услуг для традиционной и электронной коммерции
WO2014037783A1 (fr) * 2012-09-06 2014-03-13 2 Pay S.R.L. Carte pré-payée virtuelle, son procédé de création et son utilisation
WO2016200776A1 (fr) * 2015-06-12 2016-12-15 American Express Travel Related Services Company, Inc. Systèmes et procédés pour émetteur de compte permettant de gérer un portefeuille mobile

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
DE102022002474B3 (de) 2022-07-07 2023-10-05 Mercedes-Benz Group AG Verfahren zum Bezahlen von Waren und/oder Dienstleistungen
WO2024008657A1 (fr) 2022-07-07 2024-01-11 Mercedes-Benz Group AG Procédé de paiement de biens et/ou de services

Also Published As

Publication number Publication date
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