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1. WO2003088165 - PAYMENT TERMINAL DEVICE FOR PAYMENT DATA EXCHANGE

Publication Number WO/2003/088165
Publication Date 23.10.2003
International Application No. PCT/IB2002/001223
International Filing Date 16.04.2002
Chapter 2 Demand Filed 16.09.2003
IPC
G07G 1/12 2006.01
GPHYSICS
07CHECKING-DEVICES
GREGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
1Cash registers
12electronically operated
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 19/00 2006.01
GPHYSICS
07CHECKING-DEVICES
FCOIN-FREED OR LIKE APPARATUS
19Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
G07F 7/02 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
02by keys or other credit registering devices
G07G 1/14 2006.01
GPHYSICS
07CHECKING-DEVICES
GREGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
1Cash registers
12electronically operated
14Systems including one or more distant stations co-operating with a central processing unit
H04B 7/26 2006.01
HELECTRICITY
04ELECTRIC COMMUNICATION TECHNIQUE
BTRANSMISSION
7Radio transmission systems, i.e. using radiation field
24for communication between two or more posts
26at least one of which is mobile
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 20/32
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 20/327
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
G06Q 20/425
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
38Payment protocols; Details thereof
42Confirmation, e.g. check or permission by the legal debtor of payment
425using two different networks, one for transaction and one for security confirmation
Applicants
  • ULTRA PROIZVODNJA ELEKTRONSKIH NAPRAV D.O.O. [SI]/[SI] (AllExceptUS)
  • PAVLIC, Bogdan [SI]/[SI] (UsOnly)
  • TERPIN, Matjaz [SI]/[SI] (UsOnly)
  • POLUTNIK, Aleksander [SI]/[SI] (UsOnly)
Inventors
  • PAVLIC, Bogdan
  • TERPIN, Matjaz
  • POLUTNIK, Aleksander
Agents
  • KURIG, Thomas
Priority Data
Publication Language English (EN)
Filing Language English (EN)
Designated States
Title
(EN) PAYMENT TERMINAL DEVICE FOR PAYMENT DATA EXCHANGE
(FR) TERMINAL DE PAIEMENT POUR ECHANGE DE DONNEES DE PAIEMENT
Abstract
(EN)
Disclosed is a terminal device (10) for payment data exchange comprising interfaces for coupling to a point of sale devices (26), to a mobile phone (14), and to a payment centre (1). The payment data exchange is performed on two different ways. In a first way from the payment terminal device (10) via the mobile phone (14) and the mobile voice network (5) to the authorisation centre (1) or, vice versa, from the payment centre (1) via the mobile voice network (5) and the mobile phone (14) to the payment terminal device (10), wherein the payment data are transferred between the payment terminal device (10) and the mobile phone (14) on voice information. On the second way the data are transferred directly from the terminal device (10) via e.g. the network (5) to the authorisation centre (1) and, vice versa, from the payment centre (1) via the network (5) to the payment terminal device (10).
(FR)
L'invention concerne un terminal (10) d'échange de données de paiement, lequel terminal comprend des interfaces conçues pour permettre le raccordement à des dispositifs de point de vente (26), à un téléphone mobile (14), et à un centre de paiement (1). L'échange de données de paiement est exécuté de deux façons différentes. Dans un premier mode de réalisation, l'échange de données de paiement s'effectue depuis le terminal de paiement (10) via le téléphone mobile (14) et le réseau de téléphonie mobile (5) vers le centre d'autorisation (1) ou, vice versa, depuis le centre de paiement (1) via le réseau de téléphonie mobile (5) et le téléphone mobile (14) vers le terminal de paiement (10). Les données de paiement sont transférées entre le terminal de paiement (10) et le téléphone mobile (14) sur des informations vocales. Dans le second mode de réalisation, les données sont transférées directement depuis le terminal de paiement (10) via, par exemple, le réseau (5) vers le centre d'autorisation (1) et, vice versa, depuis le centre de paiement (1) via le réseau (5) vers le terminal de paiement (10).
Also published as
BG108862
BG10886202
BG108892
BG10889202
CZPV2004-1043
HRP20040971A
IS7521
NO20044891
RU2004133350
ZA200408334
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