CN1109321C - 在电信网络中进行电子支付交易的系统、方法和设备 - Google Patents

在电信网络中进行电子支付交易的系统、方法和设备 Download PDF

Info

Publication number
CN1109321C
CN1109321C CN96198858A CN96198858A CN1109321C CN 1109321 C CN1109321 C CN 1109321C CN 96198858 A CN96198858 A CN 96198858A CN 96198858 A CN96198858 A CN 96198858A CN 1109321 C CN1109321 C CN 1109321C
Authority
CN
China
Prior art keywords
payment
gateway
protocol
parties
terminal device
Prior art date
Legal status (The legal status 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 status listed.)
Expired - Fee Related
Application number
CN96198858A
Other languages
English (en)
Other versions
CN1203680A (zh
Inventor
安蒂·翰纳拉
翰纳·凯利
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Nokia Oyj
Original Assignee
Nokia Telecommunications Oy
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 Nokia Telecommunications Oy filed Critical Nokia Telecommunications Oy
Publication of CN1203680A publication Critical patent/CN1203680A/zh
Application granted granted Critical
Publication of CN1109321C publication Critical patent/CN1109321C/zh
Anticipated expiration legal-status Critical
Expired - Fee Related legal-status Critical Current

Links

Images

Classifications

    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/04Payment circuits
    • G06Q20/06Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/02Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G06Q20/027Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] involving a payment switch or gateway
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/085Payment architectures involving remote charge determination or related payment systems
    • G06Q20/0855Payment architectures involving remote charge determination or related payment systems involving a third party
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/10Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/10Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102Bill distribution or payments
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/10Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/105Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems involving programming of a portable memory device, e.g. IC cards, "electronic purses"
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/12Payment architectures specially adapted for electronic shopping systems
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/42Confirmation, e.g. check or permission by the legal debtor of payment
    • G06Q20/425Confirmation, e.g. check or permission by the legal debtor of payment using two different networks, one for transaction and one for security confirmation
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q30/00Commerce
    • G06Q30/06Buying, selling or leasing transactions
    • G06Q30/0601Electronic shopping [e-shopping]

Abstract

本发明涉及在一个电信网络中的终端设备(100)和其他交易方(1,2,...,N)之间进行电子支付交易的方法和设备。本发明使用一个专门的支付服务网关(10),通过该网关路由转发电信网络中的终端设备的所有支付交易。支付服务网关允许支付交易方支持不同的电子支付协议(A,B,...,X)并进行所需的协议转换以便提供端对端的交易。

Description

在电信网络中进行电子支付交易的 系统、方法和设备
技术领域
本发明涉及在电信网中,特别是移动通信网中的电子支付机制。
背景技术
在不久的将来,电子支付机制将通过电信网广泛地应用于产生和接收支付,例如不同的服务,货物或信息。在一次交易过程中,通称为电子代用币(token)的电子形式取代了货币,并且在用户间相互交换。也被称为电子货币或电子现金的数字现金是主要模仿普通现金的电子代用币的一种形式。然而,电子代用币还可以设计成针对其他电子支付形式的电子模拟,包括来自银行或其他金融机构的支票和信用卡。后面的这些可选方式是为那些愿意使用信用卡或其他一些非现金的机制进行支付的人设计的。
在一个电子代用币系统中,代用币可存储在用户卡或计算机中,并且它们可在远程交易用户之间直接交换。这种交换不需要固定的网络设施并且能够通过一个临时的网络连接来实现,例如,通过使用无线网的移动站。也提出了需要在线第三方支付服务器处理交易的其他电子支付机制。它们不同于电子代用币系统的方面是,它们依赖于网络设施并且需要至少一个附加方在线介入。有关电子支付机制的标准还没有出现,因此在市场上有几种相互竞争的方法。
使用诸如数字现金的电子支付机制的最有益的一种方法是提供一个具有此功能的诸如便携电话的移动站。由于存在许多相互竞争的方法,实际的问题是决定在移动站中应当使用哪一种电子支付机制。在移动站中实现一种电子支付机制需要时间并且产生很大的设计和投资费用。更换支付机制或增加一个新的支付机制需要新的设计和投资。并且,在使用过程中还将逐步产生不同型号的移动站,而这些移动站需要移动网提供不同的服务。因此,提供具有满足尽可能多的用户的特殊需求并且在至少一个合理的时间段内不必变换的电子支付机制的移动站是非常重要的。另一方面,如果引入一种新的电子支付机制以便在其他地方普遍使用,从竞争的观点来看尽快在移动站中使用这种机制是非常有用的。因此,对于在移动系统中实现一种电子支付服务而言,存在不同的问题和相互冲突的需求。
对于其他电信网的终端设备也存在同样的问题。
发明内容
本发明的一个目的是在电信系统中,特别是在移动系统中实现一种电子支付服务并且消除或至少缓解上述问题。
在一个基于本发明的,通过数据网在电信系统终端设备和其他交易方之间进行电子交易的系统中可以实现本发明的上述目的,其他目的和优点。该系统的特征在于,它包括一个支付服务网关,该支付服务网关包括一个第一支付协议接口,和至少一个其他的支付协议接口,其中第一支付协议接口支持用于终端设备支付交易的第一电子支付协议,而至少一个其他的支付协议接口与数据网相连,并且支持与用于其他交易方的支付交易的上述第一电子支付协议接口相同或不同的电子支付协议,支付服务网关被用来在第一和上述至少一个其他支付协议接口之间进行支付交易的协议适配。
本发明还涉及通过数据网在移动系统的移动站和其他交易方之间进行电子交易的方法。该方法的特征在于通过支付服务网关路由支付交易,不管上述其他交易方的电子支付协议如何,在终端设备和网关之间的所有支付交易中使用相同的通用电子支付协议,在网关与上述其他交易方之间的各个支付交易中使用上述其他交易方的电子支付协议。
基于本发明的一个最优实施例,为了允许使用电信系统的一个诸如移动站的终端设备,不论哪个标准将成为实际的事实标准,总之根据任何一种电子支付服务标准,在所有终端设备中使用一个共同的支付机制,并且涉及任何特定支付机制的所有计算机程序与机制均被包含在网络一侧的一个服务单元中,而不是在终端设备中实现这些内容。在此处服务单元被称为一个服务网关。终端设备可以包括一个针对服务网关的通用支付接口,通过使用其他交易方支持的电子支付方法,该接口代表移动站与其他交易方进行交易。换句话说,从其他交易方的角度来看,代表终端设备的服务网关类似于使用特定支付机制的任何客户。服务网关可以支持几种可用于终端设备的支付机制(针对其他交易方)。接着服务网关进行终端设备的通用支付接口和各种情况下使用的支付机制之间可能需要的转换。
基于本发明的,当新的支付机制被引入市场时,在终端设备中仅需要一种共用的、不必改变的、至少基本上不用改变的支付机制。向一个诸如移动系统的电信系统增加新的支付机制仅需要在服务网关中做出改变。因此一旦新的支付机制被加入到电信系统中,该机制立即可用于所有型号的终端设备。还有,通过本发明可以满足几乎所有用户的需求,这是因为服务网关所支持的所有电子支付机制均可用于某个用户。
本发明还涉及一个在电信系统的终端设备和其他交易方之间进行电子交易的系统。该系统的特征在于,它包括一个支付服务网关,该支付服务网关包括一个第一支付协议接口,和至少一个其他的支付协议接口,其中第一支付协议接口支持用于上述其他交易方的支付交易的第一电子支付协议,而至少一个其他的支付协议接口与数据网相连,并且支持与用于终端设备的支付交易的上述第一电子支付协议接口相同或不同的电子支付协议,支付服务网关被用来在第一和上述至少一个其他支付协议接口之间进行支付交易的协议适配。
本发明还涉及通过数据网在电信系统的终端设备和其他交易方之间进行电子交易的方法。该方法的特征在于通过支付服务网关路由支付交易,不管终端设备的电子支付协议如何,在其他交易方和网关之间的所有支付交易中使用相同的通用电子支付协议,在网关与终端设备之间的各个支付交易中使用终端设备的电子支付协议。
一个基于本发明第二实施例的服务网关提供了具有不同支付机制的终端设备,上述机制适用于具有一个共用电子支付机制的服务网关。该实施例使得支持不同支付服务的终端设备,例如不同型号的终端设备可以在相同或不同的网络中使用一个共用支付机制。改变共用支付机制或终端设备所支持的支付机制仅需要在基于本发明的服务网关中做出修改,并且这种修改不影响其他支付机制或终端设备。
此外,本发明还涉及一种在电信网中的一个终端设备和其他交易方之间进行交易的设备,其特征在于,该设备包括:
通过在与该终端设备的支付交易中使用一个第一电子支付协议,执行与该终端设备的交易的第一装置,第一电子支付协议独立于其他交易方所支持的一个第二电子支付协议,
通过使用上述其他交易方所支持的第二电子支付协议,执行与所述其他交易方的支付交易的第二装置,
在所述第一电子支付协议和第二电子支付协议之间执行协议转换的第三装置。
附图说明
下面,参照附图,通过最优实施例来详细描述本发明,其中
图1和2图解了基于本发明最优实施例的支付系统,
图3和4是两个基于本发明的服务网关的功能模块图,
图5图解了一个基于本发明的服务网关以及如何把该网关集成到数据网和移动网之中,
图6是另一个基于本发明的服务网关的通用功能模块图。
具体实施方式
如上所述,本发明最优实施例的基本原理是为电信系统的终端设备提供一种通用支付机制,并且包含涉及服务单元,即服务网关中某个支付机制的所有计算机程序和机制,其中该服务单元位于网络设施中并且通过该服务单元传递交易。通过使用其他交易方所支持的电子支付方法,该服务网关作为终端设备的代表与其他交易方进行交易。
在图1中图解了这样一个支付系统。也被称为电子货币网关的,基于本发明的一个服务网关10为电信网1的终端设备100提供一种通用支付机制,该机制使用一个电子支付协议,即一个数字货币协议A。另一方面,通过电信网或数据网2和3,该服务网关10能够使用数字货币协议B,C,…,X以数字货币服务1,2,…,N的方式进行交易。在交易中服务网关10进行通用协议A和其他交易方所使用的协议B,C,…或X之间所需适配。需注意的是,由其他交易方使用的协议也可与终端设备100的协议,即协议A相同。即使在这种情况下,本发明也提供了一个好处,即当服务网关10进行交易时,根据需要可以保持使用终端设备100的客户的匿名性。
在图2中图解了本发明的第二实施例的基本原理。在该图中,基于本发明的服务网关10为电信网2和3的终端设备1,2,3,…,N提供对支持数字货币协议A的数字货币服务1的访问,上述终端设备分别支持不同的数字货币协议B,C,D,…,X。当电信网中的终端设备型号和所支持的旧支付机制必须适应会成为最终标准的数字货币协议A时,本发明的第二
实施例提供了便利。
本发明的另一个实施例是图1和2实施例的综合。在这个第三实施例中,基于本发明的服务网关10为电信网2和3的终端设备1,2,3,…,N提供对支持数字货币协议B,C,D,…,X(如图1所示)的数字货币服务1,,2,3,…,N的访问,上述终端设备分别支持不同的数字货币协议B,C,D,…,X(如图2所示)。基于本发明的服务网关10在各交易中独立地为终端设备和数字货币服务选择合适的协议,并且在所选择的协议之间进行需要的协议适配。
基于本发明的支付服务系统也可是这两个实施例的综合。
基于本发明的服务网关10的实现方式可以有很大的差别。图3图解了服务网关10的一种基本实现。网关10包括一个向客户终端设备100提供基于数字货币协议A的支付服务的服务器150。被称作网关服务器的服务器150与数据库DB1相连,该数据库存储终端设备100的用户的,基于协议A的电子货币。网关10还包括一个网关客户151,通过使用数字货币协议B,网关客户151代表终端设备100作为数字货币服务200的一个“客户”。网关客户151与数据库DB2相连,该数据库存储基于协议B的电子货币。网关服务器150和网关客户151进行协议A和B之间所需的协议转换,转换模块152图解了该转换。数据库DB1中基于协议A的数字货币最好属于终端设备100的用户,但数据库DB2中基于协议B的数字货币可以属于服务网关10的拥有者。这使得隐藏交易中的实际支付人的身份成为可能。
以一次交易为例。数字货币服务200的服务器想对它的服务进行一次支付并且通过协议B向其“客户”发送一个支付请求。网关客户151通过协议B接收支付请求。该支付请求被加以转换152并且被送到网关服务器150,由该网关服务器通过协议A把它传送给终端设备100。终端设备100使用数字货币协议A向网关服务器150进行一次电子支付。支付被加以转换152,并且网关客户通过协议B对数字货币服务200的服务器做出支付。
基于本发明的服务网关10还可以通过这种方式进行工作,即当数字货币服务200的服务器通过协议B传送一个支付请求时,网关客户151立即通过协议B对数字货币服务200的服务器做出支付并且仅在后来收取客户的费用。
在服务网关10和终端设备之间存在下面的例子:
-根据数字货币标准,例如电子代用币进行收费
-费用被加到移动站上(例如GSM的CDR收费文件)
-固定按月收费
-电话的脉冲计数器
-预付或信贷货币。
在服务网关10和数字货币服务200之间所使用的收费可如上所述或使用
-其他一些数字货币标准
-其他类型的流通货币(例如使用美圆而不是马克)。
在没有自己的数据库DB1和DB2时也可以实现服务网关。图4图解了一个使用外部数字货币存储A和B的服务网关10。该网关10与图3所示的网关相似。
本发明的基本原理如上所述。本发明主要应用领域是移动通信系统,下面将结合移动通信系统更详细地描述本发明。
图6是一个基于本发明原理的服务网关20的通用功能模块,该网关向所有移动站MS提供一个通用支付协议接口20。接口20中使用的数字支付协议可以是一个通用支付协议或机制,该协议也可以是专门设计的。在本发明的最优实施例中,由于移动站MS和服务网关10之间存在一个Internet连接,所以移动站的支付接口是一个环球网World Wide Web(WWW)网页或任何标准数字支付协议。图6的服务网关10还包括基于特定标准的支付协议接口21,通过该接口服务单元10处理和其他交易方,比如一个商店的交易。图6的实施例说明支持支付协议#1,#2,#3的三个支付协议接口。这些协议可以是任何基于通用标准的支付机制。在通用支付协议接口20和各个专用支付协议接口21之间存在一个协议转换单元22,该单元在各个传输方向上进行通用支付协议和各个专用支付协议之间所需的协议转换和适配。控制单元23以集中方式控制接口20,21和协议转换单元22。控制单元23还控制读出和写入支付服务数据库11的数据。支付服务数据库11存储所有涉及支付服务的,特定于用户的数据,例如关于用户可用的信贷数量,用户可用的数字现金的数据和被称为电子钱包的特殊文件中的数据等等。然而应注意的是,如图4例子所示,数据库11不是必须的。电子钱包还可以被放在移动站或其他地方。
在图5所示的本发明的实施例中,基于本发明的公共地面移动网(PLMN)和服务网关10互联并通过一个局域网LAN1与公共数据网12连接。LAN1可以是PLMN公司的一个互联PLMN的移动服务交换中心的局域网。在这种方式下,一个服务网关能够通过局域网为所有移动服务交换中心服务。
通过PLMN所建立的数据连接进行涉及移动站MS和服务网关10之间的交易的通信。该数据连接是一个交换数据连接,或一个诸如包交换连接的虚拟数据连接等等。如果PLMN提供一个短消息服务,那么也可以在这种方式下实现通用支付接口,即移动站MS通过短消息服务与一个按次序与局域网LAN1相连的支付短消息服务中心通信。如图5中虚线13所示,另一种可选的方式不是通过局域网LAN1进行连接,而是把服务网关10直接连到PLMN。例如当使用上述短消息服务时,可以通过与短消息中心和PLMN之间的普通连接相同的方式来实现连接13。在任何情况下服务网关10均具有一个到达某个公共数据网的数据连接,该连接可以是直接,也可以通过一个局域网或其他的传输设施。
需要强调的是电子支付协议是端对端的用户应用协议,即通过诸如传输控制协议/网间协议(TCP/IP)的低层通信协议的用户数据域来传输用户数据。因此,它与支付协议,本发明在不同通信网中使用的通信协议,或通信协议间所需求的适配无关。
从上面的讨论可以发现,根据移动系统可以通过几种方式来实现移动站MS和服务网关10之间的连接。因此本发明不仅限于一个特定移动系统或某种在移动站MS和服务网关10之间实现连接以便进行交易的方式。可以使用本发明的PLMN的一个例子是泛欧数字移动系统GSM,在GSM建议和GSM移动通信系统(The GSM System for Mobile Communications),M.Mouly和M.B.Pautet,Palaiseau,法国,ISBN:2-9507190-0-7中更详细地描述了GSM。为了图解在一个与移动站MS连接的数据终端设备DTE(例如PC)和通用数据网之间建立的数据连接,本申请人引用了一个先前的国际专利申请,PCT/FI94/00413。在所引用的申请中,一个提供到数据网的连接的专用接入计算机和一个移动服务交换中心配合使用。在整个数据会话期间保持与数据网的连接,但只在实际的数据传输时才建立移动站和接入计算机之间的连接,因而节省了无线资源和连接费用。通过这种已知的方式,最好能够把通过局域网LAN1在移动站MS和服务网关10之间建立的,用于基于本发明的支付机制的连接实现成为一个Internet连接。也可以把基于本发明的服务网关10连接到这个接入计算机。通过局域网连接服务网关10的好处是能够为公司的所有移动服务交换中心服务。
下面,通过一个示例性的交易解释如何把基于本发明的支付服务适配到一个移动系统上。参照图5,假设有三个分别使用数字支付协议#1,#2及#3的商店14,15和16通过一个第二局域网LAN2与通用数据网12连接。还假定一个使用移动站系统MS的用户从商店15进行购货服务并且通过移动站MS使用基于本发明的数字支付服务为购货服务付款。对所包含的服务的支付对应于数字现金的总量A。商店15,精确地说是商店的计算机或收款系统,以基于商店15使用的支付协议#2的方式向客户给出的网络地址请求现金总量A。该网络地址是服务网关10的网络地址,并且因此该请求通过局域网LAN2,公共数据网12及局域网LAN1被路由到服务网关10。服务网关10在支持支付协议#2的支付协议接口21上接收该请求。控制单元23在数据库11中检查用户的电子钱包是否含有足够支付总量A的数字现金。如果没有,则控制单元23把此情况指示给支付协议接口21,该接口接着通过使用一个基于支付协议#2的消息把信息传送给商店15。如果数据库11包括足够量的数字现金以完成支付,则控制单元把此情况指示给接口单元21,此后接口21通过协议转换单元22把一个支付请求传送给通用支付协议接口20。接着支付协议接口20以基于通用数字支付协议的方式把一个支付请求传送给移动站。移动站MS接收支付请求并且通过移动站或数据终端设备的显示器把它显示给用户。如果用户通过从移动站或数据终端设备的键盘输入的一个命令入接受该项支付,则移动站MS通过PLMN和局域网LAN1传送一个确认消息给服务网关10。通用支付协议接口20接收确认消息并通过协议转换单元22把它传送给支付协议接口21。支付协议接口21向控制单元23指示该确认,而控制单元23从数据库11中的用户电子钱包把对应于所需的总量A的数字现金转移到支付协议接口21。支付协议接口21以基于支付协议#2的方式把数字现金发送到商店15。如图3和4所示,在支付协议#1和#2中数字现金可以具有不同的形式,因此会需要两个数据库。
也可以只在用户接受交易之后检查用户的金融资源。
当使用其他的支付协议#1和#3时,通用支付协议接口的操作与使用支付协议#2期间的操作相同。另一方面,控制单元23的操作和数据库11中的数据可以不同。例如,如果支付协议#1是基于用户的信用卡的,则控制单元23在数据库11中检查用户信用卡中的余额是否足够支付,并且当它接受支付时把总支付额增加到信用卡中。
服务网关10还被安排自动对用户花费的电子货币进行计费。可以通过不同的方法实现这个功能。已花费的货币可包括在移动用户的电话费中,或稍后单独交付,或已经预付,或使用一些其他支付的方式。
还应注意的是基于本发明的服务网关只有一种可能的实现,其操作在上面已经描述。显然本领域的技术人员根据这个例子可以有多种可选的实施例。
附图和相关的描述仅是为了说明本发明。在不脱离下面的权利要求书范围的情况下可以改变本发明的细节。

Claims (7)

1、一种在电信系统中的一个终端设备和其他交易方之间进行电子支付交易的系统,其特征在于,该系统包括一个支付服务网关,,该网关包括:
一个第一支付协议接口,其中对于终端设备的支付交易该接口支持一个第一电子支付协议,
至少一个与数据网连接的其他支付协议接口,该接口支持与上述其他交易方的支付交易所使用的第一电子支付协议接口相同或不同的电子支付协议,并且
支付服务网关被用来对第一和上述至少一个其他支付协议接口之间的支付交易进行协议适配。
2、如权利要求1所述的系统,其特征在于:
上述支付服务网关通过一个诸如移动网公司的局域网的数据网连接到移动网。
3、如权利要求1所述的系统,其特征在于:
上述支付服务网关被直接连到移动网。
4、一种通过一个数据网在电信系统中的一个终端设备和其他交易方之间进行电子支付交易的方法,其特征在于:
通过支付服务网关路由该支付交易,
不管上述其他交易方的电子支付协议如何,在终端设备与网关之间的所有支付交易中使用一个第一电子支付协议,
在网关与上述其他交易方之间的各个支付交易中使用上述其他交易方的电子支付协议。
5、如权利要求4所述的方法,其特征在于:
在上述支付服务网关中对上述第一支付协议和各个其他交易方的支付协议之间进行一次协议转换。
6、如权利要求4或5所述的方法,其特征在于上述电信网是一个数字移动网,并且在支付服务网关和终端设备之间的通信可以直接通过移动网实现,也可以通过移动网和一个定位在支付服务网关和移动网之间的一个数据网实现。
7、一种在电信网中的一个终端设备和其他交易方之间进行交易的设备,其特征在于,该设备包括:
通过在与该终端设备的支付交易中使用一个第一电子支付协议,执行与该终端设备的交易的第一装置,第一电子支付协议独立于其他交易方所支持的一个第二电子支付协议,
通过使用上述其他交易方所支持的第二电子支付协议,执行与所述其他交易方的支付交易的第二装置,
在所述第一电子支付协议和第二电子支付协议之间执行协议转换的第三装置。
CN96198858A 1995-11-07 1996-11-05 在电信网络中进行电子支付交易的系统、方法和设备 Expired - Fee Related CN1109321C (zh)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
FI955354A FI102860B1 (fi) 1995-11-07 1995-11-07 Menetelmä ja järjestelmä elektronisen maksutapahtuman suorittamiseksi
FI955354 1995-11-07

Publications (2)

Publication Number Publication Date
CN1203680A CN1203680A (zh) 1998-12-30
CN1109321C true CN1109321C (zh) 2003-05-21

Family

ID=8544340

Family Applications (1)

Application Number Title Priority Date Filing Date
CN96198858A Expired - Fee Related CN1109321C (zh) 1995-11-07 1996-11-05 在电信网络中进行电子支付交易的系统、方法和设备

Country Status (13)

Country Link
US (1) US6366893B2 (zh)
EP (1) EP0865641B1 (zh)
JP (3) JP2000500256A (zh)
CN (1) CN1109321C (zh)
AT (1) ATE205002T1 (zh)
AU (1) AU711112C (zh)
CA (1) CA2236899C (zh)
DE (1) DE69614873T2 (zh)
ES (1) ES2160841T3 (zh)
FI (1) FI102860B1 (zh)
HK (1) HK1016306A1 (zh)
RU (1) RU2172522C2 (zh)
WO (1) WO1997017678A1 (zh)

Families Citing this family (183)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
GB8810934D0 (en) * 1987-05-26 1988-06-15 Ici America Inc Amides
US10361802B1 (en) 1999-02-01 2019-07-23 Blanding Hovenweep, Llc Adaptive pattern recognition based control system and method
US8352400B2 (en) 1991-12-23 2013-01-08 Hoffberg Steven M Adaptive pattern recognition based controller apparatus and method and human-factored interface therefore
US6223168B1 (en) * 1995-07-25 2001-04-24 Bottomline Technologies, Inc. Automatic remittance delivery system
US5826014A (en) * 1996-02-06 1998-10-20 Network Engineering Software Firewall system for protecting network elements connected to a public network
US5870550A (en) * 1996-02-26 1999-02-09 Network Engineering Software Web server employing multi-homed, moldular framework
US5898830A (en) * 1996-10-17 1999-04-27 Network Engineering Software Firewall providing enhanced network security and user transparency
US8117298B1 (en) 1996-02-26 2012-02-14 Graphon Corporation Multi-homed web server
US6945457B1 (en) * 1996-05-10 2005-09-20 Transaction Holdings Ltd. L.L.C. Automated transaction machine
US7096003B2 (en) * 1996-08-08 2006-08-22 Raymond Anthony Joao Transaction security apparatus
KR100528156B1 (ko) 1997-03-12 2005-11-15 노마딕스, 인코포레이티드 노매딕 변환기 또는 라우터
JP3366228B2 (ja) * 1997-08-26 2003-01-14 日本電気通信システム株式会社 Snmpプロトコル変換方式
FI973788A (fi) 1997-09-25 1999-03-26 Nokia Telecommunications Oy Elektroninen maksujärjestelmä
US7225155B1 (en) 1997-09-30 2007-05-29 Acs State & Local Solutions, Inc. Method and apparatus for payment processing using debit-based electronic funds transfer and disbursement processing using addendum-based electronic data interchange
US6160874A (en) * 1997-10-21 2000-12-12 Mci Communications Corporation Validation gateway
US7167711B1 (en) 1997-12-23 2007-01-23 Openwave Systems Inc. System and method for controlling financial transactions over a wireless network
EP1051694A1 (en) 1998-01-26 2000-11-15 UNIF/X Inc. A transaction execution system interface and enterprise system architecture thereof
US6567821B1 (en) 1998-05-15 2003-05-20 Acs State & Local Solutions, Inc. Method and apparatus for electronic collection, translation, grouping and delivery of wage assignment information
US8266266B2 (en) 1998-12-08 2012-09-11 Nomadix, Inc. Systems and methods for providing dynamic network authorization, authentication and accounting
US7194554B1 (en) 1998-12-08 2007-03-20 Nomadix, Inc. Systems and methods for providing dynamic network authorization authentication and accounting
US8713641B1 (en) 1998-12-08 2014-04-29 Nomadix, Inc. Systems and methods for authorizing, authenticating and accounting users having transparent computer access to a network using a gateway device
US7904187B2 (en) 1999-02-01 2011-03-08 Hoffberg Steven M Internet appliance system and method
GB9903125D0 (en) * 1999-02-11 1999-04-07 Nokia Telecommunications Oy Handover in a mobile communication system
DE19911782A1 (de) * 1999-03-17 2000-09-28 Deutsche Telekom Mobil Verfahren zur Nutzung von standardisierten Bankdienstleistungen über Mobilfunk
US6424953B1 (en) 1999-03-19 2002-07-23 Compaq Computer Corp. Encrypting secrets in a file for an electronic micro-commerce system
US6609113B1 (en) 1999-05-03 2003-08-19 The Chase Manhattan Bank Method and system for processing internet payments using the electronic funds transfer network
US6704714B1 (en) 1999-05-03 2004-03-09 The Chase Manhattan Bank Virtual private lock box
JP2004500615A (ja) * 1999-05-28 2004-01-08 ザ・コカ−コーラ・カンパニー ネットワークベースに於ける電子的取引の代行制御の方法と装置
US7490067B1 (en) * 1999-06-02 2009-02-10 Swisscom Mobile Ag Method for selling and using media objects and a suitable device for carrying out said method
US8648692B2 (en) 1999-07-23 2014-02-11 Seong Sang Investments Llc Accessing an automobile with a transponder
AU4933799A (en) * 1999-08-02 2001-02-19 E-Mark Systems Inc. Electronic settlement system, settlement device, and terminal
US8706630B2 (en) 1999-08-19 2014-04-22 E2Interactive, Inc. System and method for securely authorizing and distributing stored-value card data
US6647270B1 (en) * 1999-09-10 2003-11-11 Richard B. Himmelstein Vehicletalk
DE19946539B4 (de) * 1999-09-28 2010-04-29 T-Mobile Deutschland Gmbh Verfahren zur Abrechnung von Internet-Geschäften über Mobilfunk
DE19946537A1 (de) * 1999-09-28 2001-04-05 Deutsche Telekom Mobil Verfahren zur Abrechnung von Internet-Dienstleistungen über Mobilfunk
US6335968B1 (en) * 1999-09-30 2002-01-01 Bellsouth Intellectual Property Corporation System and method for pre-paid and pay-per-use internet services
KR100373507B1 (ko) * 1999-10-04 2003-02-25 이동산 전자 상거래 시스템 및 전자 상거래 방법
AU1224101A (en) 1999-10-22 2001-05-08 Nomadix, Inc. Gateway device having an xml interface and associated method
US8646685B2 (en) * 1999-11-05 2014-02-11 Lead Core Fund, L.L.C. Device for allocating a payment authorization request to a payment processor
US20090164329A1 (en) * 1999-11-05 2009-06-25 American Express Travel Related Services Company, Inc. Systems for Processing a Payment Authorization Request Utilizing a Network of Point of Sale Devices
US20090164328A1 (en) * 1999-11-05 2009-06-25 American Express Travel Related Services Company, Inc. Systems and Methods for Locating a Payment System and Determining a Taxing Authority Utilizing a Point of Sale Device
US20090265249A1 (en) * 1999-11-05 2009-10-22 American Express Travel Related Services Company, Inc. Systems and methods for split tender transaction processing
US8190514B2 (en) * 1999-11-05 2012-05-29 Lead Core Fund, L.L.C. Systems and methods for transaction processing based upon an overdraft scenario
US20090265250A1 (en) * 1999-11-05 2009-10-22 American Express Travel Related Services Company, Inc. Systems and methods for processing a transaction according to an allowance
US20090164325A1 (en) * 1999-11-05 2009-06-25 American Express Travel Related Services Company, Inc. Systems and Methods for Locating an Automated Clearing House Utilizing a Point of Sale Device
US8794509B2 (en) * 1999-11-05 2014-08-05 Lead Core Fund, L.L.C. Systems and methods for processing a payment authorization request over disparate payment networks
US8814039B2 (en) * 1999-11-05 2014-08-26 Lead Core Fund, L.L.C. Methods for processing a payment authorization request utilizing a network of point of sale devices
US20090265241A1 (en) * 1999-11-05 2009-10-22 American Express Travel Related Services Company, Inc. Systems and methods for determining a rewards account to fund a transaction
US20090164331A1 (en) * 1999-11-05 2009-06-25 American Express Travel Related Services Company, Inc. Systems for Locating a Payment System Utilizing a Point of Sale Device
US8180706B2 (en) * 1999-11-05 2012-05-15 Lead Core Fund, L.L.C. Systems and methods for maximizing a rewards accumulation strategy during transaction processing
US8875990B2 (en) * 1999-11-05 2014-11-04 Lead Core Fund, L.L.C. Systems and methods for allocating a payment authorization request to a payment processor
US8073772B2 (en) * 1999-11-05 2011-12-06 American Express Travel Related Services Company, Inc. Systems and methods for processing transactions using multiple budgets
US8596527B2 (en) * 1999-11-05 2013-12-03 Lead Core Fund, L.L.C. Methods for locating a payment system utilizing a point of sale device
US8820633B2 (en) * 1999-11-05 2014-09-02 Lead Core Fund, L.L.C. Methods for a third party biller to receive an allocated payment authorization request
US8195565B2 (en) * 1999-11-05 2012-06-05 Lead Core Fund, L.L.C. Systems and methods for point of interaction based policy routing of transactions
US8851369B2 (en) * 1999-11-05 2014-10-07 Lead Core Fund, L.L.C. Systems and methods for transaction processing using a smartcard
US20090271278A1 (en) * 1999-11-05 2009-10-29 American Express Travel Related Services Company, Inc. Systems and methods for routing a transaction request to a payment system via a transaction device
US8571975B1 (en) 1999-11-24 2013-10-29 Jpmorgan Chase Bank, N.A. System and method for sending money via E-mail over the internet
US7003789B1 (en) * 1999-12-21 2006-02-21 International Business Machines Corporation Television commerce payments
US8346677B1 (en) * 2000-12-29 2013-01-01 Citicorp Development Center, Inc. Method and system for conducting commerce over a wireless communication network
FI112286B (fi) * 2000-01-24 2003-11-14 Smarttrust Systems Oy Maksupalvelulaitteisto ja menetelmä turvalliseksi maksamiseksi
US7376621B1 (en) * 2000-01-26 2008-05-20 Paybyclick Corporation Method and apparatus for conducting electronic commerce transactions using electronic tokens
PL356777A1 (en) * 2000-01-28 2004-07-12 Fundamo (Proprietary) Limited Banking system with enhanced identification of financial accounts
EP1128653A1 (en) * 2000-02-22 2001-08-29 TELEFONAKTIEBOLAGET LM ERICSSON (publ) Method for handling communications, a communication system, a processing means, a logical node, a communication station, a computer program and a computer program product
US20010037291A1 (en) * 2000-03-17 2001-11-01 Allen Dale F. Internet based single entry field electronic payment interface
GB0007360D0 (en) * 2000-03-28 2000-05-17 Ncr Int Inc Electronic wallet
EP1301878A2 (en) 2000-03-29 2003-04-16 Mastercard International, Inc. Method and system for processing messages in a bill payment and presentment system over a communications network
US7131108B1 (en) * 2000-04-17 2006-10-31 Ncr Corporation Software development system having particular adaptability to financial payment switches
US6804720B1 (en) * 2000-06-07 2004-10-12 Telefonaktiebolaget Lm Ericsson (Publ) Mobile internet access
US9684893B2 (en) 2000-06-30 2017-06-20 Tara Chand Singhal Apparatus and method for a wireless point of sale terminal
US20020095303A1 (en) * 2000-07-17 2002-07-18 Takao Asayama System and method for selecting a credit card processor
US7523067B1 (en) * 2000-08-02 2009-04-21 Softbankbb Corporation Electronic settlement system, settlement apparatus, and terminal
AU2001295077A1 (en) * 2000-09-27 2002-04-08 Mastercard International Incorporated A universal and interoperable system and method utilizing a universal cardholder authentication field (UCAF) for authentication data collection and validation
US7774231B2 (en) * 2000-09-29 2010-08-10 Nokia Corporation Electronic payment methods for a mobile device
US7739195B2 (en) 2001-01-12 2010-06-15 Acs State & Local Solutions, Inc. Apparatus and methods for providing a payment system over a network
US6910187B2 (en) * 2001-01-23 2005-06-21 Mci, Inc. Graphical user interface for procuring telecommunications services on-line
US20020116329A1 (en) * 2001-02-20 2002-08-22 Serbetcioglu Bekir Sami Systems and methods for approval of credit/debit account transactions using a wireless device
FI20011342A0 (fi) * 2001-06-25 2001-06-25 Nokia Corp Menetelmä ja laite tiedon hankkimiseksi
US6996537B2 (en) * 2001-08-13 2006-02-07 Qualcomm Incorporated System and method for providing subscribed applications on wireless devices over a wireless network
US9203923B2 (en) * 2001-08-15 2015-12-01 Qualcomm Incorporated Data synchronization interface
US7054430B2 (en) * 2001-08-23 2006-05-30 Paymentone Corporation Method and apparatus to validate a subscriber line
US7337229B2 (en) * 2001-11-08 2008-02-26 Telefonktiebolaget Lm Ericsson (Publ) Method and apparatus for authorizing internet transactions using the public land mobile network (PLMN)
US20030110044A1 (en) * 2001-12-06 2003-06-12 Nix John A. Distributed resource metering system for billing
US7996888B2 (en) * 2002-01-11 2011-08-09 Nokia Corporation Virtual identity apparatus and method for using same
US6805289B2 (en) * 2002-05-23 2004-10-19 Eduardo Noriega Prepaid card payment system and method for electronic commerce
US8645266B2 (en) * 2002-06-12 2014-02-04 Cardinalcommerce Corporation Universal merchant platform for payment authentication
US7693783B2 (en) 2002-06-12 2010-04-06 Cardinalcommerce Corporation Universal merchant platform for payment authentication
JP2005530254A (ja) * 2002-06-18 2005-10-06 ノキア コーポレイション 通信網に加入している端末に関係付けられた口座にクレジットを入金するための方法
AU2002368099A1 (en) * 2002-07-21 2004-02-09 Partner Communications Company Ltd. Prepaid charging system and method
US7792759B2 (en) * 2002-07-29 2010-09-07 Emv Co. Llc Methods for performing transactions in a wireless environment
US7349871B2 (en) * 2002-08-08 2008-03-25 Fujitsu Limited Methods for purchasing of goods and services
US7822688B2 (en) * 2002-08-08 2010-10-26 Fujitsu Limited Wireless wallet
US20040107170A1 (en) * 2002-08-08 2004-06-03 Fujitsu Limited Apparatuses for purchasing of goods and services
US7606560B2 (en) * 2002-08-08 2009-10-20 Fujitsu Limited Authentication services using mobile device
US7801826B2 (en) * 2002-08-08 2010-09-21 Fujitsu Limited Framework and system for purchasing of goods and services
US7353382B2 (en) 2002-08-08 2008-04-01 Fujitsu Limited Security framework and protocol for universal pervasive transactions
US7784684B2 (en) * 2002-08-08 2010-08-31 Fujitsu Limited Wireless computer wallet for physical point of sale (POS) transactions
US7340422B2 (en) * 2003-02-10 2008-03-04 Asentinel Llc Systems and method for managing and processing of telecommunications invoices
DE10310527B4 (de) * 2003-03-11 2008-11-20 Christian Hogl Verfahren zum Initiieren und/oder Durchführen einer Zahlungstransaktion
US9232077B2 (en) 2003-03-12 2016-01-05 Qualcomm Incorporated Automatic subscription system for applications and services provided to wireless devices
EP1457939A1 (de) * 2003-03-12 2004-09-15 Siemens Aktiengesellschaft Verfahren zur Übertragung von Zahlungsdienstinformationen
US7828650B2 (en) * 2003-03-26 2010-11-09 Gtech Rhode Island Corporation Electronic delivery of gaming tickets
US8666855B2 (en) 2003-06-30 2014-03-04 Plati Networking, Llc System and method for a payment system directory
US7908215B2 (en) 2003-06-30 2011-03-15 American Express Travel Related Services Company, Inc. System and method for selection of payment systems from a payment system directory to process a transaction
US20050015332A1 (en) * 2003-07-18 2005-01-20 Grace Chen Cashless payment system
US8655309B2 (en) 2003-11-14 2014-02-18 E2Interactive, Inc. Systems and methods for electronic device point-of-sale activation
EP2485187A1 (en) 2004-01-21 2012-08-08 Qualcomm Incorporated Application-based value billing in a wireless subscriber network
US7877605B2 (en) * 2004-02-06 2011-01-25 Fujitsu Limited Opinion registering application for a universal pervasive transaction framework
US7451117B2 (en) * 2004-09-28 2008-11-11 Toshiba Corporation System and method for digital payment of document processing services
US7124937B2 (en) * 2005-01-21 2006-10-24 Visa U.S.A. Inc. Wireless payment methods and systems
CN101365868B (zh) * 2005-03-09 2015-03-04 扎杰克优质发动机股份有限公司 内燃机及改进燃烧室的方法
US7357310B2 (en) * 2005-03-11 2008-04-15 Gerry Calabrese Mobile phone charge card notification and authorization method
US7472822B2 (en) 2005-03-23 2009-01-06 E2Interactive, Inc. Delivery of value identifiers using short message service (SMS)
US20060248009A1 (en) * 2005-05-02 2006-11-02 Hicks Sydney S System and method for processing electronic payments
US9350875B2 (en) * 2005-05-31 2016-05-24 Qualcomm Incorporated Wireless subscriber billing and distribution
US9185538B2 (en) 2005-05-31 2015-11-10 Qualcomm Incorporated Wireless subscriber application and content distribution and differentiated pricing
US9235841B2 (en) 2005-07-22 2016-01-12 Gtj Ventures, Llc Transaction security apparatus and method
US9911124B2 (en) 2005-07-22 2018-03-06 Gtj Ventures, Llc Transaction security apparatus and method
US9245270B2 (en) 2005-07-22 2016-01-26 Gtj Ventures, Llc Transaction security apparatus and method
US20190362725A1 (en) 2005-08-17 2019-11-28 Tamiras Per Pte. Ltd., Llc Providing access with a portable device and voice commands
US20070051794A1 (en) * 2005-09-02 2007-03-08 Nimble Group, Inc. Credit proxy system and method
US9143622B2 (en) 2006-02-17 2015-09-22 Qualcomm Incorporated Prepay accounts for applications, services and content for communication devices
US9185234B2 (en) * 2006-02-22 2015-11-10 Qualcomm Incorporated Automated account mapping in a wireless subscriber billing system
US7552867B2 (en) 2006-03-15 2009-06-30 Qualcomm Incorporated M-commerce virtual cash system, method, and apparatus
GB2437791A (en) * 2006-05-03 2007-11-07 Skype Ltd Secure communication using protocol encapsulation
US8732044B2 (en) 2006-05-23 2014-05-20 Mastercard International Incorporated Electronic transaction apparatus and method
US20080010191A1 (en) * 2006-07-06 2008-01-10 Firethorn Holdings, Llc Methods and Systems For Providing a Payment in a Mobile Environment
US8467766B2 (en) * 2006-07-06 2013-06-18 Qualcomm Incorporated Methods and systems for managing payment sources in a mobile environment
US8510220B2 (en) * 2006-07-06 2013-08-13 Qualcomm Incorporated Methods and systems for viewing aggregated payment obligations in a mobile environment
US8160959B2 (en) * 2006-07-06 2012-04-17 Firethorn Mobile, Inc. Methods and systems for payment transactions in a mobile environment
US8489067B2 (en) * 2006-07-06 2013-07-16 Qualcomm Incorporated Methods and systems for distribution of a mobile wallet for a mobile device
US9911114B2 (en) * 2006-07-06 2018-03-06 Qualcomm Incorporated Methods and systems for making a payment via a stored value card in a mobile environment
US8121945B2 (en) 2006-07-06 2012-02-21 Firethorn Mobile, Inc. Methods and systems for payment method selection by a payee in a mobile environment
US20080006685A1 (en) * 2006-07-06 2008-01-10 Firethorn Holdings, Llc Methods and Systems For Real Time Account Balances in a Mobile Environment
US8145568B2 (en) * 2006-07-06 2012-03-27 Firethorn Mobile, Inc. Methods and systems for indicating a payment in a mobile environment
US7708194B2 (en) * 2006-08-23 2010-05-04 Verizon Patent And Licensing Inc. Virtual wallet
EP2118837A4 (en) 2007-01-09 2012-07-11 Visa Usa Inc MOBILE PHONE PAYMENT PROCESS INVOLVING A LIMIT INDICATOR
US8543496B2 (en) 2007-04-27 2013-09-24 American Express Travel Related Services Company, Inc. User experience on mobile phone
US20080270301A1 (en) * 2007-04-27 2008-10-30 American Express Travel Related Services Co., Inc. Mobile payment system and method
US8688570B2 (en) 2007-04-27 2014-04-01 American Express Travel Related Services Company, Inc. System and method for performing person-to-person funds transfers via wireless communications
US8620260B2 (en) 2007-04-27 2013-12-31 American Express Travel Related Services Company, Inc. Payment application download to mobile phone and phone personalization
US9342823B2 (en) * 2007-06-18 2016-05-17 Lemon, Inc. Payment clearing network for electronic financial transactions and related personal financial transaction device
WO2009026460A1 (en) 2007-08-23 2009-02-26 Giftango Corporation Systems and methods for electronic delivery of stored value
US8374932B2 (en) 2007-10-30 2013-02-12 Visa U.S.A. Inc. Payment entity device transaction processing using multiple payment methods
US8311914B2 (en) 2007-10-30 2012-11-13 Visa U.S.A. Inc. Payment entity for account payables processing using multiple payment methods
US8341046B2 (en) * 2007-10-30 2012-12-25 Visa U.S.A. Inc. Payment entity device reconciliation for multiple payment methods
US8311937B2 (en) * 2007-10-30 2012-11-13 Visa U.S.A. Inc. Client supported multiple payment methods system
US8311913B2 (en) * 2007-10-30 2012-11-13 Visa U.S.A. Inc. Payment entity account set up for multiple payment methods
US8407141B2 (en) * 2007-10-30 2013-03-26 Visa U.S.A. Inc. System and method for processing multiple methods of payment
US20110208594A1 (en) * 2008-05-05 2011-08-25 Doro Joshua A Universal financial transaction system
US10157375B2 (en) * 2008-06-03 2018-12-18 Cardinalcommerce Corporation Alternative payment implementation for electronic retailers
US8762210B2 (en) 2008-06-03 2014-06-24 Cardinalcommerce Corporation Alternative payment implementation for electronic retailers
CN102187353A (zh) * 2008-09-05 2011-09-14 吉弗坦戈公司 用于虚拟储值卡的身份验证的系统和方法
US10970777B2 (en) 2008-09-15 2021-04-06 Mastercard International Incorporated Apparatus and method for bill payment card enrollment
US20100076833A1 (en) * 2008-09-19 2010-03-25 Giftango Corporation Systems and methods for managing and using a virtual card
WO2010036737A2 (en) * 2008-09-26 2010-04-01 Giftango Corporation System and methods for managing a virtual card based on geographical information
US9230259B1 (en) 2009-03-20 2016-01-05 Jpmorgan Chase Bank, N.A. Systems and methods for mobile ordering and payment
US11928696B2 (en) * 2009-12-16 2024-03-12 E2Interactive, Inc. Systems and methods for generating a virtual value item for a promotional campaign
US8595134B2 (en) 2010-02-12 2013-11-26 Mastercard International Incorporated Apparatus and method for bill presentment and payment
US10068287B2 (en) 2010-06-11 2018-09-04 David A. Nelsen Systems and methods to manage and control use of a virtual card
US8590779B2 (en) 2010-06-29 2013-11-26 Visa International Service Association Value token conversion
US9483786B2 (en) 2011-10-13 2016-11-01 Gift Card Impressions, LLC Gift card ordering system and method
US9031869B2 (en) 2010-10-13 2015-05-12 Gift Card Impressions, LLC Method and system for generating a teaser video associated with a personalized gift
EP2727003A4 (en) * 2011-06-29 2015-03-11 Freestyle Technology Pty Ltd SYSTEMS, METHODS AND / OR APPARATUS FOR COMMUNICATION BETWEEN DEVICES USING DIFFERENT COMMUNICATION PROTOCOLS
US10417677B2 (en) 2012-01-30 2019-09-17 Gift Card Impressions, LLC Group video generating system
US10943432B2 (en) 2012-09-04 2021-03-09 E2Interactive, Inc. Processing of a game-playing transaction based on location
US10229561B2 (en) 2012-09-04 2019-03-12 Linq3 Technologies Llc Processing of a user device game-playing transaction based on location
CN104769626A (zh) 2012-09-04 2015-07-08 Linq3科技公司 用于通过在智能电话和手持装置上使用条形码的一体化游戏娱乐的系统和方法
US10043181B2 (en) 2013-01-15 2018-08-07 Mastercard International Incorporated Systems and methods for processing off-network transaction messages
WO2014124043A1 (en) 2013-02-05 2014-08-14 Visa International Service Association Integrated communications network for transactions
US11219288B2 (en) 2013-02-15 2022-01-11 E2Interactive, Inc. Gift card box with slanted tray and slit
US9565911B2 (en) 2013-02-15 2017-02-14 Gift Card Impressions, LLC Gift card presentation devices
US10115268B2 (en) 2013-03-15 2018-10-30 Linq3 Technologies Llc Systems and methods for integrated game play at payment-enabled terminals
US10217107B2 (en) 2013-05-02 2019-02-26 Gift Card Impressions, LLC Stored value card kiosk system and method
US10262346B2 (en) 2014-04-30 2019-04-16 Gift Card Impressions, Inc. System and method for a merchant onsite personalization gifting platform
CN105427101A (zh) * 2015-11-19 2016-03-23 成都连银信息技术有限公司 支持多种支付通道的统一支付接入网关
CN105488663A (zh) * 2015-11-19 2016-04-13 成都连银信息技术有限公司 支持多种付款通道的统一账务结算网关
WO2017111271A1 (en) * 2015-12-23 2017-06-29 Lg Electronics Inc. Mobile device and operating method hereof
CN108604337A (zh) * 2015-12-31 2018-09-28 乔纳森·A·克拉克 用于对市场交易进行路由的电子系统
US10817857B2 (en) * 2016-06-16 2020-10-27 Mastercard International Incorporated Systems and methods for providing multiple communications network options
GB2567081A (en) 2016-07-15 2019-04-03 Cardinalcommerce Coorporation Authentication to authorization bridge using enriched messages
EP3416122A1 (en) * 2017-06-15 2018-12-19 IDEMIA France Mobile payment roaming
US10954049B2 (en) 2017-12-12 2021-03-23 E2Interactive, Inc. Viscous liquid vessel for gifting

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4961142A (en) * 1988-06-29 1990-10-02 Mastercard International, Inc. Multi-issuer transaction device with individual identification verification plug-in application modules for each issuer
US5153907A (en) * 1991-12-12 1992-10-06 Messager Partners, Inc. Telephone system gateway interface
EP0565469A1 (fr) * 1992-04-08 1993-10-13 INNOVATRON INDUSTRIES, Société Anonyme Système d'échange de données sans contact entre un terminal et un ensemble portatif modulaire
WO1993022860A1 (en) * 1992-05-05 1993-11-11 American Tel-A-Systems, Inc. Digital switching system interconnecting buses with incompatible protocols
EP0666670A2 (en) * 1993-12-30 1995-08-09 International Business Machines Corporation General transport layer gateway for heterogeneous networks

Family Cites Families (37)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4972463A (en) 1986-09-15 1990-11-20 Norand Corporation In-store multiple device communications unit and centralized data system utilizing same
US5485370A (en) * 1988-05-05 1996-01-16 Transaction Technology, Inc. Home services delivery system with intelligent terminal emulator
JPH0375949A (ja) * 1989-08-18 1991-03-29 Fuji Xerox Co Ltd ネットワークシステム
US5410675A (en) * 1989-08-21 1995-04-25 Lisa M. Shreve Method of conforming input data to an output data structure and engine for accomplishing same
US5061916A (en) 1990-05-29 1991-10-29 Barber-Colman Company Event driven remote graphical reporting of building automation system parameters
US5387784A (en) * 1990-10-30 1995-02-07 Societe D'applications Generales D'electricite Et De Mecanique Sagem Portable payment terminals and network for such terminals
US5221838A (en) * 1990-12-24 1993-06-22 Motorola, Inc. Electronic wallet
US5383113A (en) * 1991-07-25 1995-01-17 Checkfree Corporation System and method for electronically providing customer services including payment of bills, financial analysis and loans
US5327544A (en) 1991-08-29 1994-07-05 At&T Bell Laboratories Method and apparatus for designing gateways for computer networks
JPH05265672A (ja) * 1992-01-24 1993-10-15 Fuji Xerox Co Ltd ネットワークプリント制御システム
JPH0619771A (ja) * 1992-04-20 1994-01-28 Internatl Business Mach Corp <Ibm> 異種のクライアントによる共用ファイルのファイル管理機構
US5557780A (en) * 1992-04-30 1996-09-17 Micron Technology, Inc. Electronic data interchange system for managing non-standard data
US5336870A (en) * 1992-05-26 1994-08-09 Hughes Thomas S System for remote purchase payment transactions and remote bill payments
JPH066352A (ja) * 1992-06-22 1994-01-14 Kanebo Ltd 電文制御方式変換装置
JPH0644173A (ja) * 1992-07-27 1994-02-18 Nippon Telegr & Teleph Corp <Ntt> マルチオンラインサービスシステム
WO1994011849A1 (en) * 1992-11-11 1994-05-26 Telecom Finland Oy Mobile telephone systems and a method for carrying out financial transactions by means of a mobile telephone system
JPH06274519A (ja) * 1993-03-23 1994-09-30 N T T Data Tsushin Kk 共同atmシステム
FI98687C (fi) * 1993-09-20 1997-07-25 Nokia Telecommunications Oy Matkaviestinjärjestelmä ja menetelmä etätyöaseman kytkemiseksi matkaviestinverkon kautta dataverkkoon
US5465206B1 (en) * 1993-11-01 1998-04-21 Visa Int Service Ass Electronic bill pay system
US5521966A (en) 1993-12-14 1996-05-28 At&T Corp. Method and system for mediating transactions that use portable smart cards
JPH07200687A (ja) * 1994-01-10 1995-08-04 Nippon Telegr & Teleph Corp <Ntt> ディポジット・システム
AUPM350794A0 (en) * 1994-01-25 1994-02-17 Dynamic Data Systems Pty Ltd Funds transaction device
JPH07231367A (ja) * 1994-02-17 1995-08-29 Fujitsu Ltd パーソナル通信用クレジットカード課金サービス装置
US5826241A (en) * 1994-09-16 1998-10-20 First Virtual Holdings Incorporated Computerized system for making payments and authenticating transactions over the internet
US5680552A (en) 1994-09-20 1997-10-21 Lucent Technologies Inc. Gateway system for interconnecting different data communication networks
US5594721A (en) * 1994-12-28 1997-01-14 Lucent Technologies Inc. Method and system for implementing an application protocol in a communication network
FI98586C (fi) 1995-01-10 1997-07-10 Nokia Telecommunications Oy Pakettiradiojärjestelmä ja menetelmiä datapaketin reitittämiseksi protokollariippumattomasti pakettiradioverkoissa
US5717868A (en) * 1995-03-07 1998-02-10 Huntington Bancshares Inc. Electronic payment interchange concentrator
US5590197A (en) * 1995-04-04 1996-12-31 V-One Corporation Electronic payment system and method
US5719918A (en) * 1995-07-06 1998-02-17 Newnet, Inc. Short message transaction handling system
US5852812A (en) * 1995-08-23 1998-12-22 Microsoft Corporation Billing system for a network
US5878141A (en) * 1995-08-25 1999-03-02 Microsoft Corporation Computerized purchasing system and method for mediating purchase transactions over an interactive network
US5907801A (en) * 1995-09-22 1999-05-25 At&T Wireless Services, Inc. Apparatus and method for optimizing wireless financial transactions
US5870722A (en) * 1995-09-22 1999-02-09 At&T Wireless Services Inc Apparatus and method for batch processing of wireless financial transactions
US5699528A (en) * 1995-10-31 1997-12-16 Mastercard International, Inc. System and method for bill delivery and payment over a communications network
US5757917A (en) * 1995-11-01 1998-05-26 First Virtual Holdings Incorporated Computerized payment system for purchasing goods and services on the internet
FI110399B (fi) * 1997-06-19 2003-01-15 Nokia Corp Langaton viestin

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4961142A (en) * 1988-06-29 1990-10-02 Mastercard International, Inc. Multi-issuer transaction device with individual identification verification plug-in application modules for each issuer
US5153907A (en) * 1991-12-12 1992-10-06 Messager Partners, Inc. Telephone system gateway interface
EP0565469A1 (fr) * 1992-04-08 1993-10-13 INNOVATRON INDUSTRIES, Société Anonyme Système d'échange de données sans contact entre un terminal et un ensemble portatif modulaire
WO1993022860A1 (en) * 1992-05-05 1993-11-11 American Tel-A-Systems, Inc. Digital switching system interconnecting buses with incompatible protocols
EP0666670A2 (en) * 1993-12-30 1995-08-09 International Business Machines Corporation General transport layer gateway for heterogeneous networks

Also Published As

Publication number Publication date
CA2236899C (en) 2005-01-11
FI955354A0 (fi) 1995-11-07
AU711112C (en) 2002-08-29
FI102860B (fi) 1999-02-26
WO1997017678A1 (en) 1997-05-15
RU2172522C2 (ru) 2001-08-20
DE69614873D1 (de) 2001-10-04
US20010011256A1 (en) 2001-08-02
JP2000500256A (ja) 2000-01-11
CA2236899A1 (en) 1997-05-15
EP0865641A1 (en) 1998-09-23
FI102860B1 (fi) 1999-02-26
CN1203680A (zh) 1998-12-30
ES2160841T3 (es) 2001-11-16
HK1016306A1 (en) 1999-10-29
JP2007200343A (ja) 2007-08-09
AU711112B2 (en) 1999-10-07
EP0865641B1 (en) 2001-08-29
US6366893B2 (en) 2002-04-02
ATE205002T1 (de) 2001-09-15
DE69614873T2 (de) 2002-04-11
AU7301496A (en) 1997-05-29
FI955354A (fi) 1997-05-08
JP2009026323A (ja) 2009-02-05

Similar Documents

Publication Publication Date Title
CN1109321C (zh) 在电信网络中进行电子支付交易的系统、方法和设备
US6029151A (en) Method and system for performing electronic money transactions
CN1184597C (zh) 虚拟pos终端
CN1322326A (zh) 使用多功能预付费卡的电子付费系统及销售该预付费卡的方法
CN1391684A (zh) 支付交易方法和支付交易系统
CN1533543A (zh) 控制通信系统中的计费
CN1370379A (zh) 用于将安装在对等设备中的应用程序装载到移动终端的装置以及相关方法
CN1584894A (zh) 电子优惠券网络控制系统
CN1279782C (zh) 通过移动通信智能卡选择电话号码并绑定的装置和方法
CN1588463A (zh) 一种自助缴费的方法及系统
CN1364271A (zh) 电气通信设备利用权的买卖装置和方法以及电气通信设备的容量分配装置和方法
CN101079130A (zh) 一种实时支付系统及其支付方法
CN101520925A (zh) 通过移动电话终端实现交互式信用还款的系统和方法
CN1553685A (zh) 一种基于互联网的短消息传送系统的计费方法
JP2001350930A (ja) インターネットによる公共料金・納税支払システムおよび支払方法
FI102020B (fi) Reaaliaikainen telemaksujärjestelmä
CN2694378Y (zh) 手机付款系统
CN101364330A (zh) 基于第三方清算的移动电话支付的系统和方法
KR20210061642A (ko) 사용이 용이한 전자 화폐 거래 시스템
CN101416538A (zh) 用于实现电子支付往来的、网络运营商和电信终端设备的支付平台以及所属方法
CN1717700A (zh) 经由电话的电子交易结算方法及电子交易实施方法
CN1658563A (zh) 一种对Internet上的WEB操作实现综合计费的装置和方法
CN101110112A (zh) 通过商户账户附加识别码实现电子转账的系统和方法
CN1892690A (zh) 一种基于固定网短消息系统的电子交易实现方法
JP2002366793A (ja) 取引仲介方法、取引方法、取引仲介システムおよび取引システム

Legal Events

Date Code Title Description
C06 Publication
PB01 Publication
C10 Entry into substantive examination
SE01 Entry into force of request for substantive examination
C14 Grant of patent or utility model
GR01 Patent grant
C56 Change in the name or address of the patentee

Owner name: NOKIA NETWORKS OY

Free format text: FORMER NAME OR ADDRESS: NOKIA TELECOMMUNICATIONS OY

CP03 Change of name, title or address

Address after: Espoo, Finland

Patentee after: Nokia Oyj

Address before: Espoo, Finland

Patentee before: Nokia Telecommunications Oy

CF01 Termination of patent right due to non-payment of annual fee

Granted publication date: 20030521

Termination date: 20151105

EXPY Termination of patent right or utility model