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21. 发明公开

EP3230934A1 METHOD AND APPARATUS FOR IMPLEMENTING TELEPHONE PAYMENTS 有权
标题翻译：用于实现电话支付的方法和设备
公开(公告)号：EP3230934A1
公开(公告)日：2017-10-18
申请号：EP15813511.1
申请日：2015-12-11
申请人： Aeriandi Limited
发明人： BRYARS, Daniel James , HARWOOD, Thomas Christopher
IPC分类号： G06Q20/02 , G06Q20/08 , G06Q20/12 , G06Q20/16 , G06Q20/30 , H04M3/22 , H04M3/493 , H04M3/51 , H04M3/527 , H04M3/54
CPC分类号： G06Q20/305 , G06Q20/34 , H04M3/5166 , H04M15/00 , H04M15/06 , H04M15/09 , H04M15/48 , H04M15/68 , H04M17/10 , H04M17/106 , H04W4/24
摘要： There is provided a method of implementing a payment in relation to a telephone call between a customer and a merchant or service provider, the telephone call consisting of a signalling component and a media component. The method comprises, when establishing the telephone call, routing the signalling component to the merchant/service provider via a payment service system and routing the media component directly to the merchant/service provider. The method further comprises, at a communication management system of the merchant or service provider, sending an indication that the customer is required to make a payment to the payment service system and, at the payment service system, upon receipt of the indication that the customer is required to make a payment, using the signalling component of the telephone call to implement a redirection of the media component of the telephone call via the payment service system, extracting payment details of the customer from the redirected media component, and providing the payment details to a payment processing system to action the payment.
摘要翻译：提供了一种实现与客户和商家或服务提供商之间的电话呼叫有关的支付的方法，该电话呼叫由信令组件和媒体组件组成。该方法包括，当建立电话呼叫时，通过支付服务系统将信令组件路由到商家/服务提供商，并将媒体组件直接路由到商家/服务提供商。该方法进一步包括，在商户或服务提供商的通信管理系统处，向顾客支付服务系统发送顾客需要进行支付的指示，并且在支付服务系统处，在接收到顾客需要使用电话呼叫的信令部件来经由支付服务系统实现电话呼叫的媒体组件的重定向，从重定向的媒体组件提取客户的支付细节，并且提供支付细节到付款处理系统来执行付款。

22. 发明公开

EP2196010A2 UPDATING MOBILE DEVICES WITH ADDITIONAL ELEMENTS 有权
标题翻译：更新与其他元素MOBILE DEVICES
公开(公告)号：EP2196010A2
公开(公告)日：2010-06-16
申请号：EP08830698.0
申请日：2008-09-12
申请人： DeviceFidelity, Inc.
发明人： JAIN, Deepak , DAO, Tuan Quoc
IPC分类号： H04M1/725 , G06F1/16 , H04M1/02
CPC分类号： H04W12/06 , G06F21/34 , G06K7/10237 , G06K19/07707 , G06K19/07739 , G06K19/07773 , G06Q20/20 , G06Q20/322 , G06Q20/3223 , G06Q20/3226 , G06Q20/3227 , G06Q20/325 , G06Q20/3278 , G06Q20/341 , G06Q20/352 , G06Q20/355 , G06Q20/3574 , G06Q20/3576 , G06Q20/401 , G06Q40/00 , G07F7/0886 , G07F7/1008 , H04B1/3816 , H04L41/32 , H04L63/083 , H04L63/0853 , H04L63/0876 , H04L2463/102 , H04M1/0274 , H04M1/72575 , H04M17/103 , H04M17/106 , H04M2017/12 , H04M2017/14 , H04W12/08 , H04W52/0254 , H04W52/0274 , H04W88/02 , Y02D70/1222 , Y02D70/1224 , Y02D70/1242 , Y02D70/1244 , Y02D70/1262 , Y02D70/142 , Y02D70/144 , Y02D70/146 , Y02D70/162 , Y02D70/164 , Y02D70/166 , Y02D70/168 , Y02D70/22 , Y02D70/23 , Y02D70/40
摘要： The present disclosure is directed to a system and method for wirelessly executing financial transactions. A payment card includes an interface, a communication module, secure memory, a user-interface module, and a processing module. The interface connects to a slot of a mobile host device. The communication module wirelessly receives RF signals from and transmits RF signals to a retail terminal. The secure memory stores user credentials and a payment application used to execute financial transactions with the retail terminal. The user credentials and the payment application are associated with a financial institution. The user-interface module presents and receives information through the GUI of the mobile host device. The processing module executes the payment application using the user credentials in response to at least a transaction request received by the communication module and transmits a transaction response to the retail terminal based, at least in part, on the executed application.

23. 发明公开

EP2160707A1 PREPAID NEGATIVE BALANCE FEE PROCESSING AND FEE DIVERSION 审中-公开
标题翻译：预付帐户负相关费用加工费REDIRECTION
公开(公告)号：EP2160707A1
公开(公告)日：2010-03-10
申请号：EP08756655.0
申请日：2008-06-03
申请人： Visa U.S.A. Inc.
发明人： MONK, Justin T.
IPC分类号： G06K17/00
CPC分类号： H04M17/00 , G06Q20/10 , G06Q20/1085 , G06Q20/24 , G06Q20/40 , G06Q40/00 , G06Q40/025 , H04M15/85 , H04M15/851 , H04M15/852 , H04M17/02 , H04M17/103 , H04M17/106 , H04M2017/12 , H04M2017/14 , H04M2215/815 , H04M2215/8158
摘要： Systems and methods are provided for a prepaid credit card processing system wherein components or entities such as the acquirer, issuer, or prepaid card processing network can dynamically determine, at the time of the transaction, whether a credit card transaction will be allowed - even where the fee associated with the transaction would cause the balance to fall below zero.

24. 发明公开

EP1161060A4 MOBILE COMMUNICATION TERMINAL AND CARD INFORMATION READER 无效
标题翻译：有阅读设备Mobile通信终端支持信息卡
公开(公告)号：EP1161060A4
公开(公告)日：2009-12-02
申请号：EP00979967
申请日：2000-12-07
申请人： NTT DOCOMO INC
发明人： NATSUNO TAKESHI
IPC分类号： G06K1/12 , G06K7/08 , G06Q20/00 , G06Q30/00 , G07F7/02 , G07F7/08 , G07F7/10 , H04L12/56 , H04M1/66 , H04M17/00 , H04M17/02 , H04W88/02 , H04M1/00 , G06F17/60 , H04M1/02 , H04M11/00 , H04Q7/38
CPC分类号： H04W88/02 , G06K1/125 , G06K7/084 , G06Q20/02 , G06Q20/04 , G06Q20/12 , G06Q20/24 , G06Q20/32 , G06Q20/3227 , G06Q20/341 , G06Q20/342 , G06Q20/403 , G06Q20/4037 , G06Q30/02 , G06Q30/06 , G07F7/025 , G07F7/08 , G07F7/0886 , G07F7/1008 , H04M1/66 , H04M15/47 , H04M15/88 , H04M17/00 , H04M17/026 , H04M17/103 , H04M17/106 , H04M2017/12 , H04M2017/14 , H04M2215/0116 , H04M2215/0148 , H04M2215/2026 , H04M2215/32 , H04M2250/14 , H04W4/24

25. 发明公开

EP1881463A3 Verfahren und System zum Auf- oder Nachladen von in Mobilfunkgeräten eingeführten Chipkarten mit einem Geldbetragswert 有权
标题翻译：方法和系统，用于在插入移动无线电设备与货币金额值的芯片卡装载或重新装载
公开(公告)号：EP1881463A3
公开(公告)日：2008-05-28
申请号：EP07111298.1
申请日：2000-04-03
申请人： Swisscom Mobile AG
发明人： Martschitsch, Andreas , Ritter, Rudolf
IPC分类号： G07F7/08
CPC分类号： G07F7/02 , G06Q20/32 , G06Q20/3226 , G06Q20/3229 , G06Q20/3437 , G06Q20/363 , G06Q20/4037 , G07F7/08 , G07F7/0866 , H04M17/00 , H04M17/103 , H04M17/106 , H04M17/20 , H04M2017/12 , H04M2017/14
摘要： Verfahren und System zum Nach- oder Aufladen von in Mobilfunkgeräten (11) eingeführten Chipkarten (12) an einem Bezugsterminal (30) mit einem Guthaben für einen Geldbetragswert, indem der Geldbetragswert mit einem Gutschriftsverfahren und/oder Wertcodeverfahren über eine Zentraleinheit (20) dem Benutzer (11) gutgeschrieben wird. Insbesondere betrifft die vorliegende Erfindung ein Verfahren und System zum Auf- oder Nachladen von in Mobilfunkgeräten (11) eingeführten SIM-Karten (12). Im Gutschriftsverfahren wird das Guthaben von der Zentraleinheit (20) direkt auf die einer Rufnummer zugeordnete Chipkarte (12) des Mobilfunkgerätes (11) geladen, während beim Wertcodeverfahren der Benutzer (10) am Bezugsterminal (30) einen Wertcode (50) erhält, welchen er zum Auf- oder Nachladen einer Chipkarte (12) eines Mobilfunkgerätes (11) benutzt. Das Bezugsterminal (30) kann insbesondere in Fahrscheinautomaten eines öffentlichen Verkehrsbetriebes oder in öffentlich zugänglichen Terminals einer Telekommunikationsgesellschaft integriert sein.

26. 发明公开

EP1550088A2 VERFAHREN ZUM WERTAUSGLEICH VON ÜBER DAS INTERNET IN ANSPRUCH GENOMMENEN LEISTUNGEN UND/ODER DIENSTEN ZWISCHEN EINEM ANBIETER UND EINEM NUTZER 审中-公开
标题翻译：方法从视频提供，并且没有任何用户在未使用的服务和/或服务的互联网补偿的价值
公开(公告)号：EP1550088A2
公开(公告)日：2005-07-06
申请号：EP03773473.8
申请日：2003-09-30
申请人： T-Mobile Deutschland GmbH
发明人： KUNKEL, Helmut
IPC分类号： G07F7/00
CPC分类号： G07F7/02 , G06Q20/28 , G06Q20/3437 , H04M15/51 , H04M15/68 , H04M17/106 , H04M2017/14 , H04M2215/0196 , H04M2215/22 , H04M2215/54
摘要： The invention relates to a method for reconciling work and/or services provided to a user by a provider via the Internet, using a prepaid card. The provider of Internet services can identify the user by the prepaid card and can bill the work and/or services using said identification directly or indirectly, by means of the prepaid data that is stored on the prepaid card.

27. 发明公开

EP1518215A1 A METHOD OF OPERATING A MOBILE COMMUNICATION SYSTEM IN A PUBLIC COMMUNICATIONS NETWORK 审中-公开
标题翻译：一种用于操作移动通信系统中公共通信网络
公开(公告)号：EP1518215A1
公开(公告)日：2005-03-30
申请号：EP02733070.3
申请日：2002-05-30
申请人： Page One Limited , Piski, Henrik
发明人： PISKI, Henrik
IPC分类号： G07F19/00 , G07F7/08 , H04M17/00
CPC分类号： G06Q20/26 , G06Q20/04 , G06Q20/12 , G06Q20/32 , G06Q20/3223 , H04M3/42059 , H04M3/493 , H04M3/51 , H04M15/46 , H04M15/47 , H04M15/48 , H04M15/51 , H04M15/88 , H04M17/00 , H04M17/106 , H04M17/20 , H04M17/204 , H04M2017/14 , H04M2017/24 , H04M2215/0116 , H04M2215/0148 , H04M2215/0156 , H04M2215/54 , H04M2215/56 , H04M2242/22
摘要： A method of operating a mobile communications system in a public communications network (4), the network interconnecting a plurality of mobile communication devices (3) and a transaction server computer (2) having transaction server memory (5) with user details relating to each of the mobile communication devices (3) stored thereon, the mobile communication devices (3) making call credit purchasing requests to the transaction server computer (2) which in turn processes the call credit purchasing request in accordance with the user details stored in transaction server memory (5) and clears payment of the call credit purchasing request with a Financial Institution Computer (6) before sending call credit information to the mobile communications device. In this way, users of the system may top-up their call credit at any time without having to rely on third parties.

28. 发明公开

EP1364332A2 VERFAHREN ZUR BELASTUNG EINES VON EINEM COMPUTER VERWALTETEN KONTOS FÜR DIENSTLEISTUNGEN, EIN TELEKOMMUNIKATIONSNETZ, EIN COMPUTER-SYSTEM, UND EIN COMPUTERPROGRAMMPRODUKT 有权
标题翻译： PROCESS FOR计算机从托管帐户SERVICES ON电信网络，计算机系统中的负担，并且计算机程序产品
公开(公告)号：EP1364332A2
公开(公告)日：2003-11-26
申请号：EP02717945.6
申请日：2002-02-08
申请人： Orga Kartensysteme GmbH , Gerdes, Peter
发明人： GERDES, Peter , SCHUCHART, Goetz , YAQUB, Adnan
IPC分类号： G06F17/60
CPC分类号： G06Q20/04 , G06Q20/403 , H04M15/854 , H04M17/00 , H04M17/02 , H04M17/103 , H04M17/106 , H04M17/20 , H04M2017/12 , H04M2017/14 , H04M2215/2026 , H04M2215/32 , H04M2215/8166 , H04W4/24
摘要： The invention specifically relates to a method for charging a computer-managed service account according to the generic part of the relative independent patent claim. The aim of the invention is more particularly to provide a charging method for services, requiring only a small amount of technical apparatus. According to the invention, the account is periodically charged if the predetermined account balance does not fall short of a certain value when a first service is provided i.e. the account is charged in a first manner; if the predetermined account balance is exceeded, the account is charged in a second manner for using the first service only when the first service has been provided.

29. 发明公开

EP1275088A1 VERFAHREN UND SYSTEM ZUM AUF- ODER NACHLADEN VON IN MOBILFUNKGERÄTEN EINGEFÜHRTEN CHIPKARTEN MIT EINEM GELDBETRAGSWERT 有权
标题翻译：方法和系统向上或RELOAD移动设备采用进口智能卡与货币价值的量
公开(公告)号：EP1275088A1
公开(公告)日：2003-01-15
申请号：EP00912320.9
申请日：2000-04-03
申请人： Swisscom Mobile AG
发明人： MARTSCHITSCH, Andreas , RITTER, Rudolf
IPC分类号： G07F7/08 , H04M17/00
CPC分类号： G07F7/02 , G06Q20/32 , G06Q20/3226 , G06Q20/3229 , G06Q20/3437 , G06Q20/363 , G06Q20/4037 , G07F7/08 , G07F7/0866 , H04M17/00 , H04M17/103 , H04M17/106 , H04M17/20 , H04M2017/12 , H04M2017/14
摘要： The invention relates to a method and a system for charging and/or recharging chip cards (12) that have been introduced into mobile radio devices (11) with a credit balance for a sum of money at a collection terminal (30). According to said method and system, the sum of money is credited to the user (11) by means of a value code and/or credit note procedure via a central processing unit (20). The invention relates in particular to a method and a system for charging and recharging SIM cards (12) that have been inserted into mobile radio devices (11). During the credit note procedure, the central processing unit (20) charges the credit balance directly to the chip card (12) of the mobile radio device (11), said card having been assigned to a telephone number, whereas in the value code procedure, the user (10) at the collection terminal (30) receives a value code (50), which he or she uses to charge or recharge a chip card (12) of a mobile radio device (11). The collection terminal (30) can in particular be integrated into ticket machines of a public transport network, or into the terminals of a telecommunications company which are accessible to the public.

30. 发明公开

EP1207679A2 Betriebsverfahren eines elektronischen Prepaid-Kontos und Anordnung zu dessen Durchführung 审中-公开
标题翻译： Betriebsverfahren eines elektronischen Prepaid-Kontos und Anordnung zu dessenDurchführung
公开(公告)号：EP1207679A2
公开(公告)日：2002-05-22
申请号：EP01000596.5
申请日：2001-11-06
申请人： SIEMENS AKTIENGESELLSCHAFT
发明人： Offer, Gero
IPC分类号： H04M17/00
CPC分类号： H04M17/10 , G06Q20/105 , H04M17/00 , H04M17/103 , H04M17/106 , H04M17/20 , H04M2017/12 , H04M2017/14 , H04M2215/32
摘要： Betriebsverfahren eines elektronischen Prepaid-Kontos, insbesondere in Zuordnung zu einem Telekommunikationsnetz (IN) zur Bezahlung von Telekommunikationsleistungen, mit dem durch einen Inhaber eine Guthabenerhöhung realisiert wird, wobei durch einen Betreiber des Prepaid-Kontos eine durch einen unspezifischen Kartenleser (3) eines Kartenzahlungssystems (KZS) lesbare Zugangssoftware, insbesondere als Softwareprodukt in Form einer Zugangskarte (9), erstellt und die Guthabenerhöhung durch eine Bargeldeinzahlung im Zusammenhang mit einem Zugangssoftware-Lesevorgang ausgeführt wird.
摘要翻译：帐户预付款系统具有使用读卡器的运营商卡，根据卡号和电话号码支付电话服务的现金支付。

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