Method for payment in exchange

• US 20020082986A1
• Filed: 12/26/2000
• Published: 06/27/2002
• Est. Priority Date: 12/26/2000
• Status: Abandoned Application

• Current Assignee: Hsi-Peng Lu
• Original Assignee: Hsi-Peng Lu
• Inventors: Lu, Hsi-Peng
• Application Number:
  US09/746,478
• Publication Number:
  US 20020082986A1
• Time in Patent Office: Days
• US Class Current: 705/39
• CPC Class Codes: G06Q 20/02 involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• 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 20/3223 Realising banking transactions through M-devices

Abstract

A payment method in transaction has the steps of customer providing a customer code issued by the transaction identification center to the merchant for undergoing a transaction by the mobile communication device; merchant presenting an invoicing request to the transaction identification center by means of the mobile communication device and inputting a merchant code issued by the transaction identification center, the customer code and consumed money to the transaction identification center; transaction identification center presenting a payment request to the customer with the merchant name and the consumed money for consent; the customer inputting the transaction code to show the consent of this transaction or pressing a predetermined button for cancellation; the transaction identification center confirming the input transaction code and generating an authorization code to the merchant to show the recognition of this transaction; and recording the transaction information in a financial organization for sending this information regularly to the customer.

Claims

1. A payment method in transaction to build up a payment mechanism among a customer, a merchant, a transaction identification center and a financial organization by means of a mobile communication device, the method comprising the steps of:

customer providing a customer code issued by the transaction identification center to the merchant for undergoing a transaction by the mobile communication device;

merchant presenting an invoicing request to the transaction identification center by means of the mobile communication device and inputting a merchant code issued by the transaction identification center, the customer code and consumed money to the transaction identification center;

transaction identification center presenting a payment request to the customer with the merchant name and the consumed money for consent;

the customer inputting the transaction code to show the consent of this transaction or pressing a predetermined button for cancellation; and

the transaction identification center confirming the input transaction code and generating an authorization code to the merchant to show the recognition of this transaction.

2. The method as claimed in claim 1, wherein the mobile communication device for the customer is a mobile phone and the communication between the transaction identification center and the customer is performed by a voice mail system.

3. The method as claimed in claim 1, wherein the mobile communication device for the customer is a personal digital assistance.

4. The method as claimed in claim 1, wherein the mobile communication device for the merchant is a telephone.

5. The method as claimed in claim 1, wherein the mobile communication device for the merchant is a mobile phone.

6. The method as claimed in claim 1, wherein the mobile communication device for the merchant is a computer capable of connecting with the internet.

7. The method as claimed in claim 1, wherein the merchant is a real merchant.

14. The method as claimed in claim 4, wherein the merchant is a real merchant.

8. A payment method in transaction to build up a payment mechanism among a customer, a merchant and an transaction identification center by means of a mobile communication device, the method comprising the steps of:

customer providing a customer code issued by the transaction identification center to the merchant for undergoing a transaction by the mobile communication device;

merchant presenting an invoicing request to the transaction identification center by means of the mobile communication device and inputting a merchant code issued by the transaction identification center, the customer code and consumed money to the transaction identification center;

transaction identification center presenting a payment request to the customer with the merchant name and the consumed money for consent;

the customer inputting the transaction code to show the consent of this transaction or pressing a predetermined button for cancellation;

the transaction identification center confirming the input transaction code and generating an authorization code to the merchant to show the recognition of this transaction; and

recording the transaction information in a financial organization for sending this information regularly to the customer.

9. The method as claimed in claim 8, wherein the mobile communication device for the customer is a mobile phone and the communication between the transaction identification center and the customer is performed by a voice mail system.

10. The method as claimed in claim 8, wherein the mobile communication device for the customer is a personal digital assistance.

11. The method as claimed in claim 8, wherein the mobile communication device for the merchant is a telephone.

12. The method as claimed in claim 8, wherein the mobile communication device for the merchant is a mobile phone.

13. The method as claimed in claim 8, wherein the mobile communication device for the merchant is a computer capable of connecting with the INTERNET.