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WO2002009045A2 - Mecanisme de transaction - Google Patents

Mecanisme de transaction Download PDF

Info

Publication number
WO2002009045A2
WO2002009045A2 PCT/ZA2001/000048 ZA0100048W WO0209045A2 WO 2002009045 A2 WO2002009045 A2 WO 2002009045A2 ZA 0100048 W ZA0100048 W ZA 0100048W WO 0209045 A2 WO0209045 A2 WO 0209045A2
Authority
WO
WIPO (PCT)
Prior art keywords
card
value
server
code
transaction
Prior art date
Application number
PCT/ZA2001/000048
Other languages
English (en)
Other versions
WO2002009045A3 (fr
Inventor
Johannes Hugo Engelbrecht
Original Assignee
Johannes Hugo Engelbrecht
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 Johannes Hugo Engelbrecht filed Critical Johannes Hugo Engelbrecht
Priority to AU14693/02A priority Critical patent/AU1469302A/en
Publication of WO2002009045A2 publication Critical patent/WO2002009045A2/fr
Publication of WO2002009045A3 publication Critical patent/WO2002009045A3/fr

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/04—Payment circuits
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/08—Payment architectures
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/22—Payment schemes or models
    • G06Q20/28—Pre-payment schemes, e.g. "pay before"
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/22—Payment schemes or models
    • G06Q20/29—Payment schemes or models characterised by micropayments

Definitions

  • Transmitter-any device that transmits verbal or electronic data preferably a telephone, cellular phone, radio or internet connection. Unbaked-persons not linked to a formal bank account or facility.
  • This system comprises a unique card and server combination that breaks up a money or value transaction into smaller components to obtain a cheaper and safer micro-transaction scenario .
  • This system provides a temporary account value which limits the
  • Access components to the system can be any known radio, telephone fixed, lines ,or cellular phone, satellite or internet or system that can transfer data
  • scratch code information which is obtained by purchasing a value card with preferably a denomination value.
  • the sever should prei ⁇ attach an ID. number of the person using or transacting through the system.
  • the value of the card can be transferred in preferably determined minimum and maximum amounts according: national and international currency and Central bank regulations.
  • the server should preferably advise a Banking stitution to do or to grant payments or value to the recipients meant to receive the benefit of such payments or transfers.
  • a payment procedure would preferably be determined by an agreement between the Participating Banking
  • the card client can use the total or partial denominated value of the card together with another card value which will preferably also have a unique or secret code attached to. Thus several cards can make up a total bigger value when the transaction required value is more than that of a standard or single denominated value card.
  • the denominated value to a card is preferably the only value linked to that specific card code or number to prevent access to other funds belonging to the person transacting through the system.
  • the balance of the funds linked to a specific card or code is calculated, stored and managed by the main Server and preferably not on the card section of the system.
  • the account number hosted by the card code is preferably a temporarily account number and will only exist and allow access to the account while there is a positive balance left which is acknowledged by the server.
  • Cards of value can be purchased preferably through cash and cashed in on the balanced value by approved dealers or registered merchants which can also be formal banks acting as merchants and providing accounts as part of their services.
  • Value can be transmitted through any known and applied means or current interphases into accounts of the clients of these banks or institutions participating in this transaction scheme from the Bank Institution on advise of the main server.
  • Payment for goods or services rendered on Television, Radio or catalogs in any media publication or online internet will be preferably guaranteed by the participating Bank Institution once the Bank is instructed by the main server that the services or goods are rendered.
  • the main server will also instruct the participating merchants about the data and value of a transaction as well as the delivery instructions and transaction reference code.
  • This notification will be according the agreement between the Bank Institution and the merchants and the available interphase facilit available to both parties, preferably internet,short message system,or any radio data transmission.
  • the sever will prompt the client through verbal or data display to provide the necessary information about the purchase or transfer, the merchant,the item or service code, the delivery destination and preferably I.D.number then verification of the transaction by code and preferably the rernaining balance or additional card request when necessary to reach the required amount for a said transaction.
  • Server prompts for merchant code,item code or quantity.
  • Server verifies item code price and necessary information Server request card code or more card denominations when necessary.
  • Server supply confirmation code,and balance on last card used, Ghent receives services or commodity through applicable channel of distribution providing transaction and/or ID.
  • Server store information and sends payment advice to merchant through applicable means. Said transaction completed. Advantages and application.
  • This invention provides easier access to the mobile tirade scenario and access to Global trade which is not available to the majority of all people. This majority have no access to computers or Internet and regarded as unbanked.
  • This system provides an educational advantage to up-growing kids who have no other or difficult access to clean trade mobile scenarios.
  • Irregular income can be used in card denominations to make irregular payments to totalize and secure installments otherwise currently nearly impossible by unbanked persons.
  • This system of value transfer is cheaper per transaction than any current postal or bank facility which is not always accessible due to logistical costs and obstacles.
  • the security value is based on the limited access to denominated card values and temporarily account existence.
  • the card and server combination provides a low budget capital and infra structure compared to other smart card solutions.
  • the return path for the customer to the merchant is in this system more available than through ATM systems and even debit cards which require mostly a bank account.

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Security & Cryptography (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)
  • Medical Treatment And Welfare Office Work (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

Le mécanisme de transaction selon la présente invention constitue une solution aux transactions commerciales et aux microtransactions effectuées via un dispositif mobile et permet à toute personne ou à tout utilisateur d'effectuer une transaction portant sur des valeurs depuis n'importe quel pays vers n'importe quel endroit dans le monde. On accède à cette fonction par n'importe quel moyen de communication connu pour transmettre, à un coût réduit, les données nécessaires entre les parties concernées par la transaction, ce qui réduit au maximum les barrières logistiques.
PCT/ZA2001/000048 2000-04-26 2001-04-26 Mecanisme de transaction WO2002009045A2 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU14693/02A AU1469302A (en) 2000-04-26 2001-04-26 Transaction mechanism

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
ZA200002052 2000-04-26
ZA2000/2052 2000-04-26

Publications (2)

Publication Number Publication Date
WO2002009045A2 true WO2002009045A2 (fr) 2002-01-31
WO2002009045A3 WO2002009045A3 (fr) 2002-12-27

Family

ID=25588724

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/ZA2001/000048 WO2002009045A2 (fr) 2000-04-26 2001-04-26 Mecanisme de transaction

Country Status (2)

Country Link
AU (1) AU1469302A (fr)
WO (1) WO2002009045A2 (fr)

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2005078672A1 (fr) * 2004-02-13 2005-08-25 Paysetter Pte Ltd Systeme et procede facilitant le versement d'une somme d'argent a une partie qui ne dispose pas d'un compte pouvant servir a detenir l'equivalent d'une valeur monetaire
WO2005076765A3 (fr) * 2004-02-13 2006-02-02 Paysetter Pte Ltd Systeme et procede de facilitation du payement d'une partie ne possedant pas de compte dans une institution financiere

Family Cites Families (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5577109A (en) * 1994-06-06 1996-11-19 Call Processing, Inc. Pre-paid card system and method
FI2136U1 (fi) * 1995-04-27 1995-10-19 Finland Telecom Oy Parkeringsavgiftsystem
FR2747962A1 (fr) * 1995-12-19 1997-10-31 Ittah Aaron Titre de paiement sur tous les types de reseaux electroniques et en particulier le reseau internet
EP0921487A3 (fr) * 1997-12-08 2000-07-26 Nippon Telegraph and Telephone Corporation Méthode et système de facturation sur internet
NL1007848C1 (nl) * 1997-12-19 1999-06-22 Johan Peter Eilander Betaalsysteem.
FR2780679B1 (fr) * 1998-07-03 2000-08-11 Jean Felix Ongouya Porte "monnaie universelle" : carte de credit multimonnaie sans frontiere et ses applications fiduciaire, scripturale et electronique

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2005078672A1 (fr) * 2004-02-13 2005-08-25 Paysetter Pte Ltd Systeme et procede facilitant le versement d'une somme d'argent a une partie qui ne dispose pas d'un compte pouvant servir a detenir l'equivalent d'une valeur monetaire
WO2005076765A3 (fr) * 2004-02-13 2006-02-02 Paysetter Pte Ltd Systeme et procede de facilitation du payement d'une partie ne possedant pas de compte dans une institution financiere

Also Published As

Publication number Publication date
WO2002009045A3 (fr) 2002-12-27
AU1469302A (en) 2002-02-05

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