WO2008047330A3 - Financial transaction system and method - Google Patents

Financial transaction system and method Download PDF

Info

Publication number
WO2008047330A3
WO2008047330A3 PCT/IB2007/054264 IB2007054264W WO2008047330A3 WO 2008047330 A3 WO2008047330 A3 WO 2008047330A3 IB 2007054264 W IB2007054264 W IB 2007054264W WO 2008047330 A3 WO2008047330 A3 WO 2008047330A3
Authority
WO
WIPO (PCT)
Prior art keywords
wireless network
financial institution
financial transaction
transaction system
transaction
Prior art date
Application number
PCT/IB2007/054264
Other languages
French (fr)
Other versions
WO2008047330A2 (en
Inventor
Wyk Yolande Van
Original Assignee
Firstrand Bank Ltd
Wyk Yolande Van
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 Firstrand Bank Ltd, Wyk Yolande Van filed Critical Firstrand Bank Ltd
Publication of WO2008047330A2 publication Critical patent/WO2008047330A2/en
Publication of WO2008047330A3 publication Critical patent/WO2008047330A3/en

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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; CALCULATING OR 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]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

Abstract

This invention relates to a financial transaction method comprising the steps of selecting a product or service for purchase from a number of products or services; transmitting a transaction reference number to a financial institution over a wireless network; receiving a transaction confirmation requests from the financial institution over the wireless network; and transmitting a confirmation message over the wireless network to the financial institution.
PCT/IB2007/054264 2006-10-19 2007-10-19 Financial transaction system and method WO2008047330A2 (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
ZA200608392 2006-10-19
ZA2006/08392 2006-10-19

Publications (2)

Publication Number Publication Date
WO2008047330A2 WO2008047330A2 (en) 2008-04-24
WO2008047330A3 true WO2008047330A3 (en) 2008-07-24

Family

ID=39314439

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/IB2007/054264 WO2008047330A2 (en) 2006-10-19 2007-10-19 Financial transaction system and method

Country Status (1)

Country Link
WO (1) WO2008047330A2 (en)

Families Citing this family (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
IT1397373B1 (en) 2009-12-30 2013-01-10 Telecom Italia Spa METHOD FOR MANAGING ON-LINE COMMERCIAL TRANSACTIONS.
WO2012041781A1 (en) * 2010-09-30 2012-04-05 Moqom Limited Fraud prevention system and method using unstructured supplementary service data (ussd)

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1998034203A1 (en) * 1997-01-30 1998-08-06 Qualcomm Incorporated Method and apparatus for performing financial transactions using a mobile communication unit
WO1998037524A1 (en) * 1997-06-27 1998-08-27 Swisscom Ag Transaction method using a mobile device
EP1293944A1 (en) * 2001-09-17 2003-03-19 Koninklijke KPN N.V. Arrangement and method for tele-commerce with client profiles
US20040030601A1 (en) * 2000-09-29 2004-02-12 Pond Russell L. Electronic payment methods for a mobile device

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1998034203A1 (en) * 1997-01-30 1998-08-06 Qualcomm Incorporated Method and apparatus for performing financial transactions using a mobile communication unit
WO1998037524A1 (en) * 1997-06-27 1998-08-27 Swisscom Ag Transaction method using a mobile device
US20040030601A1 (en) * 2000-09-29 2004-02-12 Pond Russell L. Electronic payment methods for a mobile device
EP1293944A1 (en) * 2001-09-17 2003-03-19 Koninklijke KPN N.V. Arrangement and method for tele-commerce with client profiles

Also Published As

Publication number Publication date
WO2008047330A2 (en) 2008-04-24

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