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WO2007010353A1 - Systeme permettant a un utilisateur d'effectuer un paiement a un tiers et procede de mise en oeuvre du systeme - Google Patents

Systeme permettant a un utilisateur d'effectuer un paiement a un tiers et procede de mise en oeuvre du systeme Download PDF

Info

Publication number
WO2007010353A1
WO2007010353A1 PCT/IB2006/001946 IB2006001946W WO2007010353A1 WO 2007010353 A1 WO2007010353 A1 WO 2007010353A1 IB 2006001946 W IB2006001946 W IB 2006001946W WO 2007010353 A1 WO2007010353 A1 WO 2007010353A1
Authority
WO
WIPO (PCT)
Prior art keywords
funds
user
holding account
paid
party
Prior art date
Application number
PCT/IB2006/001946
Other languages
English (en)
Inventor
Robert John Renfrew Taylor
Original Assignee
Donald, Heather, June
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 Donald, Heather, June filed Critical Donald, Heather, June
Publication of WO2007010353A1 publication Critical patent/WO2007010353A1/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
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking 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
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network 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
    • G06Q20/30—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
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3223—Realising banking transactions through M-devices

Definitions

  • This invention relates to a system to enable a user to effect a payment to a third party and a method of operating the system.
  • the present invention seeks to address both users' and suppliers' difficulties with existing methods and systems by providing an innovative method and system enabling the user to simultaneously purchase and benefit from a utility or service and the supplier to simultaneously receive payment.
  • a method of operating a system to enable a user to effect a payment to a third party comprising:
  • receiving data indicating that a user has paid funds into a first holding account the data including at user data which can be used to identify the user and payment data indicating the amount of funds paid; storing the data in a database;
  • the request including at least data which can be used to identify a user from whom the funds will be paid and the amount of funds to be paid;
  • the user data and the payment data may be received via a first communications network.
  • the request to pay funds to a third party may be received via the first or a second communications network.
  • the first and second communications networks may be a computer network or a mobile communications network.
  • the method may also comprise the steps of receiving, via the mobile communications network, the request to pay funds to a third party and wherein the identification of the user from whom the funds will be paid may be an identification of the user's mobile telephone, such as the MSISDN of the telephone.
  • funds received into the first holding account are restricted to be used for the payment of pre-defined utilities and services.
  • a system for enabling a user to effect a payment to a third party comprises:
  • a communication means for receiving, via a first communications network, data indicating that a user has paid funds into a first holding account, the data including at least user data which can be used to identify the user and payment data indicating the amount of funds paid, the communication means further for receiving, via the first or a second communications network, a request to pay funds to a third party, the request including at least data identifying the user from whom the funds will be paid and the amount of funds to be paid;
  • checking means to check if the user has the requested funds available in a first holding account or has paid funds into the first holding account
  • the payment means responsive to the checking means so that if the user has funds available then the payment means transmits an instructing message to pay the funds to the requested third party from the first holding account or if the user has paid funds into the first holding account even though the funds have not yet been received then transmitting an instructing message to pay the funds to the requested third party from a second holding account and updating data in the database accordingly.
  • the payment means may further execute that if the funds to the requested third party are paid from the second holding account, then when the funds are received in the first holding account, transferring the funds to the second holding account.
  • the first and second communications networks may be a computer network or a mobile communications network.
  • the payment means restricts funds received into the first holding account so that these funds are restricted to be used for the payment of pre-defined utilities and services.
  • Figure 1 shows a schematic diagram of the system in which the present invention operates.
  • the present invention provides a method and system to enable users to effect payments to third parties ("users" or "user” as the context requires).
  • the payments are made to third parties that are the suppliers of utilities or services ("suppliers" or "supplier” as the context requires).
  • the payment is a payment made to purchase utilities or services.
  • Figure 1 shows a schematic diagram of the broader system in which an example embodiment of the present invention operates.
  • utilities include such examples as water, electricity, TV, telephone and cellular telephone.
  • Services include examples such as refuse collection, insurance, air travel and rates. It will be appreciated that the method and system could find application for other utilities or services.
  • a server (not shown) is associated with a database 6.
  • the database 6 is secure and typically cannot be accessed by any service provider or participating retail outlet.
  • the database 6 will also typically not share any data with any other database and cannot be accessed externally other than by internal personnel within a structured security system.
  • the server and database 6 together form a central system.
  • the operator of the central system opens accounts ("holding accounts”) at banks or other financial institutions at which subscribing point of sale outlets and suppliers ("subscribing point of sale outlets”) have accounts.
  • Users of the system undertake an initial enrollment to participate in the system and to record third party beneficiaries that the user wishes to pay using the system.
  • These third party beneficiaries may be classified as primary and other beneficiaries during the enrollment and are recorded onto the database 6.
  • the user is issued with an identifier 1 , which may be in the form of a magnetic stripe card containing data stored thereon which identifies the user and/or the card.
  • the identifier 1 may take the form of a smart card, for example.
  • the user uses a magnetic or any other type of card with means of identifying the card number so as to send relevant encrypted information to the database 6 together with other personal information as may be required for identification and security reasons
  • the user presents the card to a point of sale device 2, either directly or via a point of sale operator.
  • the point of sale device may be located at such a subscribing point of sale outlets which may be participating retail outlets, post office networks, banks and dedicated cubicles equipped with point of sale devices and drop safes for cash storage, for example.
  • the point of sale device 2 could be a server accessed via the Internet or another communications network whereby information is transmitted to the point of sale device 2.
  • the point of sale device 2 may form part of the central system.
  • the information transmitted to the point of sale device will typically include a user identifier and confirmation of an amount paid.
  • the information will also typically include payment information such as credit card details or Internet banking information, for example.
  • the subscribing point of sale outlets pay the received funds into accounts at banks where holding accounts exist. Irrespective of the point of sale and how the funds are accepted, data messages are transmitted to the server of the central system and received by a communication means of the central system via a communications network 4.
  • the message includes data indicating that a user has paid funds via a subscribing point of sale outlet or other payment mechanism such as mentioned above into a holding account ("the first holding account").
  • the data includes user data which can be used to identify the user and payment data used to indicate the amount of funds paid.
  • the user will obviously need to select the supplier to be paid at the point of sale.
  • the user will typically have a plurality of different utility and/or service providers registered and available for selection. The selection will be keyed in at the point of sale device as described below.
  • PIN personal identification number
  • an operator of the point of sale device 2 will typically swipe the card 1 to check for validity and to check that the PIN is accepted.
  • the operator will then enter the beneficiary selection and the amount paid and the point of sale device will print a receipt for confirmation 3 for the user.
  • the funds received will be transferred via the normal banking mechanisms to a financial institution 5 of the participating retail outlet, for example.
  • the funds will be further transferred via a banking switch 8 to a first holding account 7 with the same or another financial institution.
  • the user is not involved in the transfer of funds and these transactions will not necessarily be on a real time basis. It should be noted that payment transactions would only be initiated from the central database.
  • the funds received will be recorded in the database 6 where it will be allocated to the utility or service provider selected by the user. Thus, at the time that the funds are paid into the first holding account, data is received by the server and stored in the database 6.
  • the server will receive via communications means and the same communications network 4 or a different communications network 11 the request to pay funds to the third party service provider.
  • the request will include at least data identifying the user from whom the funds will be paid and where applicable also an identification of the supplier.
  • the second communications network 11 may be a mobile communications network or any other type of wireless communications network.
  • the user uses a mobile communications device 10 to dial a special telephone number and then enters their identifier and their PIN using the mobile communications device 10. Next, the user selects the third party service provider and an amount to pay.
  • Their identifier could be the mobile telephone identification such as the MSISDN of the mobile telephone and/or the magnetic stripe card 1 number.
  • the user will typically receive a confirmation of the transaction which could be sent to the user by SMS, for example.
  • Verifying means incorporated in the central server receiving the request to pay the funds will verify the identity of the user and the user's PIN then checking means will check to see if the user has the requested funds available in the first holding account via the central database 6. If the user has funds available then payment means of the server will transmit an instructing message to pay the funds to the requested supplier 9 and data in the database will be updated accordingly. A message confirming the transaction with a reference number will be sent either to the mobile phone 10 or via any other predetermined method such as e-mail, for example.
  • this pay message will typically be to the data base or the financial institution controlling the holding account but may be an internal transmission from one subsystem to another where the central system is incorporated into the systems of a financial institution.
  • the central system will in any event transmit an instructing message to pay the funds to the requested supplier from a second holding account opened and adequately funded by the system operator and update data in the database accordingly.
  • This second holding account will typically be a holding account with a predetermined amount of funds therein which funds can be used in such a scenario to allow the transaction to proceed even though the funds have not been properly received in the first holding account, but positive proof has been received for the payment or bank transfer.
  • the central system may restrict funds received into the first holding account so that these funds are restricted to be used for the payment of pre-defined utilities and/or services.
  • the system is designed to prevent the withdrawal of funds from a holding account if required by the operator. In these circumstances the system will only allow the payment from the holding account to a designated supplier or transfer to a second holding account to reimburse the operator for any payments made to a designated supplier from a second holding account as described above.
  • the means may take the form of machine-readable medium on which is stored one or more sets of instructions (e.g., software) embodying any one or more of the methodologies or functions described herein.
  • the software may also reside, completely or at least partially, within a main memory of the central system and/or within a processor during execution thereof by the computer system.
  • the main memory and the processor also constituting machine-readable media.
  • machine-readable medium is typically a single medium
  • machine-readable medium should be taken to include a single medium or multiple media (e.g., a centralized or distributed database, and/or associated caches and servers) that store the one or more sets of instructions.
  • the term “machine-readable medium” shall also be taken to include any medium that is capable of storing, encoding or carrying a set of instructions for execution by the machine and that cause the machine to perform any one or more of the methodologies of the present invention.
  • the term “machine-readable medium” shall accordingly be taken to include, but not be limited to, solid-state memories, optical and magnetic media, and carrier wave signals. It will be appreciated that a primary third party beneficiary can be the supplier who can now activate services at any time upon receipt of electronically transferred amounts or messages from a trusted source with precise user account information and amounts.
  • an enrolment process may be required where a user's identification is recorded, participating beneficiaries are selected, details of the user's accounts with the selected beneficiaries are recorded on the central database and an identification card is issued. Beneficiary information can be amended later at the user's request. Furthermore it must be noted that when a cardholder plans to keep an available balance in the holding account, substantial user information must be recorded to re- activate the service in the case where a card is lost or stolen.
  • inter-account transfers are especially useful to migrant workers who wish to allocate cash to family members elsewhere.
  • the system is secure by design.
  • a card can be reported stolen online from any POS, the Internet, mobile phone or land phone to the operating center, where it will be suspended immediately. If a third party is attempting a fraudulent transaction with a reported lost or stolen card, the operating center will be notified immediately and the exact location of the attempted fraud can be automatically forwarded to a law-enforcing agency, as each POS has unique terminal identification data that includes physical location, counter number etc.
  • the database is secure and cannot be accessed by any service provider or subscribing point of sales outlet. The database will not share any data with any other database and cannot be accessed externally other than internal personnel within a structured security system.
  • pre-numbered, and non-personalized cards will be linked to an internal account number.

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

Abstract

L'invention concerne un procédé de mise en oeuvre d'un système permettant à un utilisateur d'effectuer un paiement à un tiers et un système associé. Le procédé de l'invention consiste : à recevoir des données indiquant qu'un utilisateur a payé des fonds dans un premier compte de dépôt (7), les données comprenant au moins une identité de l'utilisateur et la quantité de fonds payés ; et à stocker les données dans une base de données (6). Une requête de paiement de fonds à un tiers est reçue, la requête comprenant au moins des données identifiant l'utilisateur qui paiera les fonds. Une vérification visant à assurer que l'utilisateur possède des fonds disponibles dans le premier compte de dépôt (7) est effectuée. Si l'utilisateur dispose des fonds demandés, un message d'instruction est transmis pour payer les fonds au tiers et les données sont mises à jour dans la base de données de manière appropriée si l'utilisateur ne dispose pas des fonds demandés. Ensuite, une vérification visant à assurer que l'utilisateur a payé les fonds dans le premier compte de dépôt (7) est effectuée même si les fonds n'ont pas encore été reçus. Dans ce cas, un message d'instruction est transmis pour payer les fonds au fournisseur de biens tiers à partir d'un deuxième compte de dépôt et les données sont mises à jour dans la base de données (6) de manière appropriée.
PCT/IB2006/001946 2005-07-15 2006-07-17 Systeme permettant a un utilisateur d'effectuer un paiement a un tiers et procede de mise en oeuvre du systeme WO2007010353A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
GB0514602.2 2005-07-15
GBGB0514602.2A GB0514602D0 (en) 2005-07-15 2005-07-15 A method of enabling a user to purchase a utility and a system therefor

Publications (1)

Publication Number Publication Date
WO2007010353A1 true WO2007010353A1 (fr) 2007-01-25

Family

ID=34897315

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/IB2006/001946 WO2007010353A1 (fr) 2005-07-15 2006-07-17 Systeme permettant a un utilisateur d'effectuer un paiement a un tiers et procede de mise en oeuvre du systeme

Country Status (3)

Country Link
GB (1) GB0514602D0 (fr)
WO (1) WO2007010353A1 (fr)
ZA (1) ZA200605288B (fr)

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2015023172A3 (fr) * 2013-08-16 2015-04-09 Saadi Jawad Systemes et procedes de paiement mobile interpersonnel instantane
WO2022222581A1 (fr) * 2021-04-21 2022-10-27 中国银联股份有限公司 Procédé de paiement, dispositif de plateforme, système, et support de stockage
US20230133708A1 (en) * 2014-03-25 2023-05-04 Moneygram International, Inc. Decentralized systems and methods for transferring information between subsystems of communication networks

Families Citing this family (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
SE1830356A1 (en) * 2018-12-07 2020-06-08 Omnicorn Ab Purchase Management System And Method

Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20030163432A1 (en) * 2002-02-26 2003-08-28 Cannon, Thomas Calvin System for inexpensively executing online purchases
EP1365368A2 (fr) * 2002-05-23 2003-11-26 SK Telekom Co., Ltd. Système et procédé pour des transactions financières

Patent Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20030163432A1 (en) * 2002-02-26 2003-08-28 Cannon, Thomas Calvin System for inexpensively executing online purchases
EP1365368A2 (fr) * 2002-05-23 2003-11-26 SK Telekom Co., Ltd. Système et procédé pour des transactions financières

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2015023172A3 (fr) * 2013-08-16 2015-04-09 Saadi Jawad Systemes et procedes de paiement mobile interpersonnel instantane
US20230133708A1 (en) * 2014-03-25 2023-05-04 Moneygram International, Inc. Decentralized systems and methods for transferring information between subsystems of communication networks
WO2022222581A1 (fr) * 2021-04-21 2022-10-27 中国银联股份有限公司 Procédé de paiement, dispositif de plateforme, système, et support de stockage

Also Published As

Publication number Publication date
ZA200605288B (en) 2006-11-29
GB0514602D0 (en) 2005-08-24

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