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1. WO2002033669 - SYSTEM FOR PAYMENT DATA EXCHANGE AND PAYMENT TERMINAL DEVICE USED THEREIN

Publication Number WO/2002/033669
Publication Date 25.04.2002
International Application No. PCT/IB2000/001495
International Filing Date 18.10.2000
Chapter 2 Demand Filed 18.02.2002
IPC
G06Q 20/00 2012.01
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
G07F 7/10 2006.01
GPHYSICS
07CHECKING-DEVICES
FCOIN-FREED OR LIKE APPARATUS
7Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
08by coded identity card or credit card
10together with a coded signal
H04M 1/215 2006.01
HELECTRICITY
04ELECTRIC COMMUNICATION TECHNIQUE
MTELEPHONIC COMMUNICATION
1Substation equipment, e.g. for use by subscribers
02Constructional features of telephone sets
21Combinations with auxiliary equipment, e.g. with clocks or memoranda pads
215by non-intrusive coupling means, e.g. acoustic couplers
H04W 4/24 2009.01
HELECTRICITY
04ELECTRIC COMMUNICATION TECHNIQUE
WWIRELESS COMMUNICATION NETWORKS
4Services specially adapted for wireless communication networks; Facilities therefor
24Accounting or billing
CPC
G06Q 20/04
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
04Payment circuits
G06Q 20/20
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
08Payment architectures
20Point-of-sale [POS] network systems
G06Q 20/206
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
08Payment architectures
20Point-of-sale [POS] network systems
206comprising security or user identification provision, e.g. password entry
G06Q 20/32
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
30characterised by the use of specific devices
32using wireless devices
G06Q 20/322
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
30characterised by the use of specific devices
32using wireless devices
322Aspects of commerce using mobile devices [M-devices]
G06Q 20/327
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
30characterised by the use of specific devices
32using wireless devices
327Short range or proximity payments by means of M-devices
Applicants
  • ULTRA PROIZVODNJA ELEKTRONSKIH NAPRAV D.O.O. [SI]/[SI] (AllExceptUS)
  • PAVLIC, Bogdan [SI]/[SI] (UsOnly)
  • POLUTNIK, Aleksander [SI]/[SI] (UsOnly)
Inventors
  • PAVLIC, Bogdan
  • POLUTNIK, Aleksander
Priority Data
Publication Language English (EN)
Filing Language English (EN)
Designated States
Title
(EN) SYSTEM FOR PAYMENT DATA EXCHANGE AND PAYMENT TERMINAL DEVICE USED THEREIN
(FR) SYSTEME D'ECHANGE DE DONNES DE PAIEMENT ET TERMINAL DE PAIEMENT UTILISE
Abstract
(EN)
Disclosed is a system for payment data exchange comprising a payment terminal device 10 for coupling to a point of sale device and to a mobile phone 14, an authorisation centre 1 for coupling to a mobile voice network (5) and to a financial information system, the mobile phone (14) for coupling to the mobile voice network (5) and to the payment terminal device (10). The payment data exchange is performed from the payment terminal device (10) via the mobile phone (14) and the mobile voice network (5) to the authorisation centre (1) and, vice versa, from the authorisation centre via the mobile voice network and the mobile phone to the payment terminal device, wherein the payment data are transferred between the payment terminal device (10) and the mobile phone (14) on voice information.
(FR)
L'invention concerne un système d'échange de données de paiement, comprenant un terminal de paiement (10) conçu pour être relié à un dispositif de point de vente et à un téléphone mobile (14), un centre d'autorisation (1) conçu pour être relié à un réseau téléphonique mobile (5) et à un système d'information financière, et le téléphone mobile (14) étant conçu pour être relié au réseau téléphonique mobile (5) et au terminal de paiement (10). L'échange de données de paiement est exécuté depuis le terminal de paiement (10) via le téléphone mobile (14) et le réseau téléphonique mobile (5) vers le centre d'autorisation (1) et, inversement, depuis le centre d'autorisation via le réseau téléphonique mobile et le téléphone mobile vers le terminal de paiement. Dans ce système, les données de paiement sont transférées entre le terminal de paiement (10) et le téléphone mobile (14) à l'aide des informations de données vocales.
Also published as
BG107746
CZPV2003-1096
HRP20030271A
IS6790
NO20031598
PLP.360936
RSP-294/03
RU2003114413
TR2003/00456
YUP-294/03
ZA200302323
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