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ES2200675B2 - TRANSACTIONS AND PAYMENT SYSTEM THROUGH MOBILE PHONE. - Google Patents
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ES2200675B2 - TRANSACTIONS AND PAYMENT SYSTEM THROUGH MOBILE PHONE. - Google Patents

TRANSACTIONS AND PAYMENT SYSTEM THROUGH MOBILE PHONE.

Info

Publication number
ES2200675B2
ES2200675B2 ES200200576A ES200200576A ES2200675B2 ES 2200675 B2 ES2200675 B2 ES 2200675B2 ES 200200576 A ES200200576 A ES 200200576A ES 200200576 A ES200200576 A ES 200200576A ES 2200675 B2 ES2200675 B2 ES 2200675B2
Authority
ES
Spain
Prior art keywords
mobile phone
payers
transactions
different
mobile
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
ES200200576A
Other languages
Spanish (es)
Other versions
ES2200675A1 (en
Inventor
Jose Luis Martinez Dalmau
Carlos Jose Vila Vergara
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.)
Mobipay Espana SA
Original Assignee
Mobipay Espana SA
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 Mobipay Espana SA filed Critical Mobipay Espana SA
Priority to ES200200576A priority Critical patent/ES2200675B2/en
Publication of ES2200675A1 publication Critical patent/ES2200675A1/en
Application granted granted Critical
Publication of ES2200675B2 publication Critical patent/ES2200675B2/en
Anticipated expiration legal-status Critical
Expired - Fee Related legal-status Critical Current

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
    • G06Q20/30—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
    • G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
    • G06F17/602—

Landscapes

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

Abstract

Sistema de transacciones y pagos mediante teléfono móvil. Un sistema para procesar pagos y transacciones entre pagadores (7) y beneficiarios (9) asociados a al menos un medio de pago asociado a una cuenta de al menos un procesador (5), que está conectado a una pluralidad de redes de telefonía móvil (1), para lo que comprende un nodo de acceso de pagadores (2) y un nodo de acceso de beneficiarios (3) por cada red de telefonía móvil (1), y que comprende un procesador de direccionamiento (4) dotado de los correspondientes medios para permitir realizar la transacción entre diferentes pagadores y beneficiarios a través de diferentes redes de telefonía móvil y entre diferentes entidades financieras. Además el sistema de la invención permite realizar la gestión de los pagadores, como es el alta o baja del titular, alta, baja o modificación del medio de pago. La invención también permite realizar operaciones tipo cajero automático como son saldos, últimos movimientos, cambio de parámetro de seguridad o recarga del móvil.Transaction and payment system by mobile phone. A system for processing payments and transactions between payers (7) and beneficiaries (9) associated with at least one payment method associated with an account of at least one processor (5), which is connected to a plurality of mobile telephone networks ( 1), for which it comprises a payer access node (2) and a beneficiary access node (3) for each mobile telephone network (1), and comprising an addressing processor (4) provided with the corresponding means to allow the transaction between different payers and beneficiaries through different mobile phone networks and between different financial entities. In addition, the system of the invention allows the management of the payers, such as the registration or cancellation of the holder, registration, cancellation or modification of the payment method. The invention also allows to perform ATM operations such as balances, last movements, change of security parameter or recharge of the mobile.

ES200200576A 2002-03-11 2002-03-11 TRANSACTIONS AND PAYMENT SYSTEM THROUGH MOBILE PHONE. Expired - Fee Related ES2200675B2 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
ES200200576A ES2200675B2 (en) 2002-03-11 2002-03-11 TRANSACTIONS AND PAYMENT SYSTEM THROUGH MOBILE PHONE.

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
ES200200576A ES2200675B2 (en) 2002-03-11 2002-03-11 TRANSACTIONS AND PAYMENT SYSTEM THROUGH MOBILE PHONE.

Publications (2)

Publication Number Publication Date
ES2200675A1 ES2200675A1 (en) 2004-03-01
ES2200675B2 true ES2200675B2 (en) 2006-07-01

Family

ID=31970609

Family Applications (1)

Application Number Title Priority Date Filing Date
ES200200576A Expired - Fee Related ES2200675B2 (en) 2002-03-11 2002-03-11 TRANSACTIONS AND PAYMENT SYSTEM THROUGH MOBILE PHONE.

Country Status (1)

Country Link
ES (1) ES2200675B2 (en)

Families Citing this family (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2010009737A1 (en) * 2008-07-25 2010-01-28 Mao Inventions, S.A. Method for accessing cellular telephone minute loans or credits

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1997045814A1 (en) * 1996-05-24 1997-12-04 Behruz Vazvan Real time system and method for remote purchase payment and remote bill payment transactions and transferring of electronic cash and other required data
EP1065634A1 (en) * 1999-07-02 2001-01-03 Mic Systems System and method for performing secure electronic transactions over an open communication network
EP1136961A1 (en) * 2000-03-24 2001-09-26 Banco Bilbao Vizcaya Argentaria S.A. System and process for remote payments and transactions in real time by mobile telephone

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1997045814A1 (en) * 1996-05-24 1997-12-04 Behruz Vazvan Real time system and method for remote purchase payment and remote bill payment transactions and transferring of electronic cash and other required data
EP1065634A1 (en) * 1999-07-02 2001-01-03 Mic Systems System and method for performing secure electronic transactions over an open communication network
EP1136961A1 (en) * 2000-03-24 2001-09-26 Banco Bilbao Vizcaya Argentaria S.A. System and process for remote payments and transactions in real time by mobile telephone

Also Published As

Publication number Publication date
ES2200675A1 (en) 2004-03-01

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