Method of payment by means of an electronic communication device

• US 20010016835A1
• Filed: 01/02/2001
• Published: 08/23/2001
• Est. Priority Date: 12/30/1999
• Status: Active Grant

• Current Assignee: PayPal, Inc. (PayPal Holdings, Inc.)
• Original Assignee: International Business Machines Corporation
• Inventors: Merk, Lothar, Stober, Thomas, Hansmann, Uwe, Henn, Horst
• Granted Patent: US 7,490,062 B2
• Time in Patent Office: Days
• US Class Current: 705/40
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/3229 Use of the SIM of a M-device as secure element
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/425 using two different networks, one for transaction and one for security confirmation
• CPC Class Codes: G06Q 30/0601 Electronic shopping [e-shopping]

Abstract

A method, system and program for payment in a purchasing action performed by means of a cellular standard communication between a customer using said cellular standard communication device and a provider offering goods and/or services, wherein the communication between said customer and said provider is performed via a voice channel of said communication device and transmissions of an electronic bill from said provider to said customer, of a money transfer order from said customer to a payment provider and of a receipt of payment from said payment provider to said customer are performed via a service channel of the cellular standard network.

Claims

1. A method of payment in a purchasing action performed by means of an electronic communication device between a customer using said electronic communication device and a provider offering goods and/or services, comprising the steps of:

building up a connection between said customer and said provider via a communication channel of said communication device;

upon receipt of a purchase order from said customer, issuance of an electronic bill by said provider and transmission of said electronic bill to said customer;

upon acknowledgement of said electronic bill by said customer, transmission of a money transfer order from said customer to a payment provider;

execution of said money transfer order by said payment provider by debiting an account of said customer;

sending a receipt of payment to said customer;

forwarding said receipt of payment to said provider.

2. The method of

claim 1

wherein before execution of said money transfer order the customer is identified as being authorized to give said money transfer order.

3. The method of

claim 2

wherein said authentication is performed by a telecommunication provider via a service channel of said communication device.

4. The method of

claim 2

wherein said authentication is performed before transmission of said money transfer order to said payment provider.

5. The method of

claim 2

wherein said authentication is performed after transmission of said money transfer order to said payment provider.

6. The method of

claim 1

wherein transmission of said electronic bill, of said money transfer order and of said receipt of payment is performed via a service channel of said communication device.

7. The method of

claim 1

wherein the connection between said customer and said provider is a voice channel connection.

8. The method of

claim 1

wherein the connection between said customer and said provider is a internet connection.

9. The method of

claim 1

wherein said communication device is a GSM mobile equipment having a subscriber identity module (SIM).

10. A method of payment in a purchasing action performed by means of a cellular standard communication device between a customer using said cellular standard communication device and a provider offering goods and/or services, wherein the communication between said customer and said provider is performed via a voice channel of said communication device and transmissions of an electronic bill from said provider to said customer, of a money transfer order from said customer to a payment provider and of a receipt of payment from said payment provider to said customer are performed via a service channel of the cellular standard network.

11. The method of

claim 10

wherein an authentication of said customer is provided by a telecommunication provider in the cellular standard network via said service channel.

12. A computer program product comprising computer program code means adapted to perform the following steps when run on an electronic communication device:

receiving an electronic bill transmitted via a first channel of said electronic communication device;

upon acknowledgement of said electronic bill by a user of said electronic communication device, creation of a money transfer order and transmission of said money transfer order to a payment provider via a second channel of said electronic communication device;

receiving a receipt of payment from said payment provider and forwarding said receipt of payment to said provider.

13. The computer program product of

claim 12

embodied on a computer readable medium.

14. The computer program product of

claim 13

wherein said computer readable medium is a cellular phone chip.