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WO2020096546A2 - A gsm payment system - Google Patents

A gsm payment system Download PDF

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Publication number
WO2020096546A2
WO2020096546A2 PCT/TR2019/050609 TR2019050609W WO2020096546A2 WO 2020096546 A2 WO2020096546 A2 WO 2020096546A2 TR 2019050609 W TR2019050609 W TR 2019050609W WO 2020096546 A2 WO2020096546 A2 WO 2020096546A2
Authority
WO
WIPO (PCT)
Prior art keywords
payment
shopping
gsm
information
central server
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.)
Ceased
Application number
PCT/TR2019/050609
Other languages
French (fr)
Other versions
WO2020096546A3 (en
Inventor
Bilge Ozlem KOCA
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.)
Turkiye Garanti Bankasi AS
Original Assignee
Turkiye Garanti Bankasi AS
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 Turkiye Garanti Bankasi AS filed Critical Turkiye Garanti Bankasi AS
Publication of WO2020096546A2 publication Critical patent/WO2020096546A2/en
Publication of WO2020096546A3 publication Critical patent/WO2020096546A3/en
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

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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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/16—Payments settled via telecommunication systems
    • 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
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • 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
    • G06Q20/3255—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks using mobile network messaging services for payment, e.g. SMS
    • 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
    • G06Q20/326—Payment applications installed on the mobile devices
    • 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
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/403—Solvency checks
    • G06Q20/4037—Remote solvency checks

Definitions

  • the present invention relates to a GSM payment system for realizing payment of a shopping done by a customer by means of a password and/or code that s/he receives from a telecom operator via an electronic device connected to a telecom operator.
  • Cash money, credit card or similar payment methods are used in order to make payment after a shopping done.
  • shopping cannot be realized due to the fact that the customer does not carry the necessary cash or credit card.
  • it is enabled to realize the payment by reflecting the shopping invoices to the operators that the customer is connected by means of mobile device. But problems occur such as the operators cannot get in return for their goods and/or services for which payment is made because of realizing the payment without any restriction.
  • the Korean patent document no. KR20130040463 discloses an electronic payment method that can be used in shopping.
  • Credit card, cheque card, phone bill or bank account can be used as a payment method.
  • Shopping to be done by means of an electronic device is authenticated by means of OTP method depending on the purchase method that can be selected by the user. This authentication transaction can be carried out over search made by any means, ARS or website.
  • An objective of the present invention is to realize a GSM payment system which sets shopping limit of a subscriber by analysing subscriber information while realizing a payment by means of an electronic device connected to the GSM operator and enables payment by means of the electronic device by creating a password and/or code that corresponds to the limit set.
  • FIG. 1 is a block diagram of the inventive GSM payment system.
  • the inventive GSM payment system (1) for enabling customers to make the payment required after shopping by means of their GSM operators comprises:
  • At least one electronic device (2) which is configured to run at least one application on itself;
  • At least one application (3) which is run on the electronic device (2) and configured to provide an interface that is adapted in order that a shopping request is created by a customer;
  • At least one central server (4) which is in communication with the application (3) by means of the electronic device (2), creates a payment information in return for a shopping request created by means of the application (3) and enables to transmit the created payment information to the application (3) by means of the electronic device (2); at least one database (5) wherein subscriber and billing information about the operators of users’ are recorded;
  • At least one decision unit (6) which is run on the central server (4) and will enable to decide on the balance to be identified to the user;
  • At least one code generation unit (7) which is run on the central server (4) and enables to create a password, code, barcode, QR code comprising a payment information that corresponds to the shopping request received from the customer;
  • At least one payment device (8) which enables to receive payment information by means of the application (3) located on the electronic device (2);
  • At least one payment unit (9) which is run on the central server (4) and updates the billing information recorded on the database (5).
  • the electronic device (2) included in the GSM payment system (1) is a device such as mobile phone, smart phone, tablet, computer which can communicate with the central server (4) by using any remote communication protocol in the state of the art, communicate with the payment device (8) by using any near-field communication protocol in the state of the art and run at least one application (3) on itself.
  • the electronic device (2) is configured in order to realize data exchange between the application (3) and the central server (4) over this connection, by establishing connection with the central server (4) over a data network such as SMS and/or internet.
  • the electronic device (2) is configured in order to realize data exchange about the payment information by communicating with the payment device (8) over a near field communication protocol such as Bluetooth, NFC.
  • the application (3) included in the GSM payment system (1) is run on the electronic device (2) and it is configured to provide an interface that is adapted in order that a shopping request is created over the connection established between the electronic device (2) and the central server (4).
  • the central server (4) included in the GSM payment system (1) compares the shopping request -that it receives over the connection established by means of any remote communication protocol in the state of the art- with the shopping balance determined for the subscriber in the decision unit (6) with which it is in communication; it is configured such that it will enable to create a code comprising the payment information that will enable the payment about the shopping to be made by triggering the code generation unit (7) in cases when the shopping request is less than and/or equal to the shopping balance and to send the created code to the application (3) by means of the electronic device (2).
  • the central server (4) is configured such that it will display the information that the shopping approval is not realized by means of an interface provided by the application (3) being run on the electronic device (2) and the balance is insufficient when the shopping request compared is higher than the shopping balance, to the client.
  • the database (5) included in the GSM payment system (1) is configured such that it will enable to send subscriber information to the decision unit (6) with which it is in communication by ensuring that information such as subscriber segment, billing information, invoice information, bill payment information about subscribers of GSM operators are recorded.
  • the decision unit (6) included in the GSM payment system (1) is run on the central server (4) and it is configured such that it will enable to set a shopping limit to be provided to the user by using information such as subscriber segment, billing information, invoice information, bill payment information about subscribers that it receives from the database (5) with which it is in communication.
  • the code generation unit (7) included in the GSM payment system (1) is run on the central server (4) and it is configured such that it will enable to send the payment information to the application (3) by means of the electronic device (2) by creating a password, a code, a barcode, a QR code that is associated to the payment information corresponding to the shopping request upon being triggered by the central server (4) when the shopping request compared by the central server (4) is less than the shopping balance created by the decision unit (6).
  • the payment device (8) included in the GSM payment system (1) is a device such as POS device which enables to enter the password, the code, the barcode and/or the QR code comprising the payment information created by the code generation unit (7) and the password created by means of at least one button located on thereof by using any near-field communication protocol in the state of the art and/or which ensures that the code created by means of a code reader located on thereof is read by a code reader upon being displayed by means of the application (3).
  • the payment device (8) is configured such that it will enable the payment unit (9) to be triggered by communicating with the payment unit (9) by means of any remote communication protocol in the state of the art when it receives a payment. Thus, it is ensured that the shopping fee is reflect on the invoice when shopping is realized.
  • the payment unit (9) included in the GSM payment system (1) is configured such that it will be triggered by the payment device (8), will receive the information about a payment realized and enable to reflect the shopping amount on the subscriber bill by updating the subscriber information included on the database (5).
  • the payment device (8) can demand the shopping limit owned by communicating with the central server (4).
  • the central server (4) ensures that the shopping limit requested is set by the decision unit (6) and it is configured such that it will ensure that the code about the payment information corresponding to the shopping limit set is created in the code generation unit (7) and sent to the electronic device (2) of the client by means of any remote communication protocol in the state of the art.
  • inventive GSM payment system (1) a shopping request created by a client by means of an application (3) located on the electronic device (2) in return for a shopping, is sent to a central server (4).
  • Subscription information about subscribers who are connected to GSM operator are recorded in a database (5) located on the central server (4).
  • the central server (4) which is run on the central server (4) sets a shopping about the subscriber by analysing the subscription information that it receives from the database (5).
  • the central server (4) compares the amount in the shopping request that it receives by means of the application (3) with the shopping limit set by the decision unit (6) and approves the shopping in cases when the comparison result is less than or equal or otherwise refuses it.
  • the central server (4) enables to create a password, code, barcode and/or QR code comprising a payment information that corresponds to the shopping request by transmitting the shopping request to the code generation unit
  • the created payment information is sent to the application (3).
  • a code reader unit located on the payment device (8) and password is entered by means of buttons located on thereof.
  • a payment unit (9) located on the central server (4) is triggered and it is enabled to reflect the related amount on the subscriber’s bill.
  • inventive“A GSM Payment System (1)” it is possible to develop various embodiments of inventive“A GSM Payment System (1)”; the invention cannot be limited to examples disclosed herein and it is essentially according to claims.

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  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Computer Networks & Wireless Communication (AREA)
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  • Computer Security & Cryptography (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
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Abstract

The present invention relates to a GSM payment system (1) for realizing payment of a shopping done by a customer by means of a password and/or code that s/he receives from a telecom operator via an electronic device (2) connected to a telecom operator.

Description

A GSM PAYMENT SYSTEM Technical Field
The present invention relates to a GSM payment system for realizing payment of a shopping done by a customer by means of a password and/or code that s/he receives from a telecom operator via an electronic device connected to a telecom operator.
Background of the Invention
Cash money, credit card or similar payment methods are used in order to make payment after a shopping done. However, shopping cannot be realized due to the fact that the customer does not carry the necessary cash or credit card. In today’s applications, it is enabled to realize the payment by reflecting the shopping invoices to the operators that the customer is connected by means of mobile device. But problems occur such as the operators cannot get in return for their goods and/or services for which payment is made because of realizing the payment without any restriction.
Therefore, in the state of the art, there is need for a system which enables to set a shopping limit and/or credit based on variations such as subscriber’s segment information, billing information, bill payment information, billing period of subscribers.
The Korean patent document no. KR20130040463, an application in the state of the art, discloses an electronic payment method that can be used in shopping. Credit card, cheque card, phone bill or bank account can be used as a payment method. Shopping to be done by means of an electronic device is authenticated by means of OTP method depending on the purchase method that can be selected by the user. This authentication transaction can be carried out over search made by any means, ARS or website.
Summary of the Invention
An objective of the present invention is to realize a GSM payment system which sets shopping limit of a subscriber by analysing subscriber information while realizing a payment by means of an electronic device connected to the GSM operator and enables payment by means of the electronic device by creating a password and/or code that corresponds to the limit set.
Detailed Description of the Invention
“A GSM Payment System (1)” realized to fulfil the objective of the present invention is shown in the figure attached, in which:
Figure 1 is a block diagram of the inventive GSM payment system.
The components illustrated in the figure are individually numbered, where the numbers refer to the following:
1. GSM payment system
2. Electronic device
3. Application
4. Central server
5. Database
6. Decision unit
7. Code generation unit
8. Payment device
9. Payment unit The inventive GSM payment system (1) for enabling customers to make the payment required after shopping by means of their GSM operators comprises:
at least one electronic device (2) which is configured to run at least one application on itself;
at least one application (3) which is run on the electronic device (2) and configured to provide an interface that is adapted in order that a shopping request is created by a customer;
at least one central server (4) which is in communication with the application (3) by means of the electronic device (2), creates a payment information in return for a shopping request created by means of the application (3) and enables to transmit the created payment information to the application (3) by means of the electronic device (2); at least one database (5) wherein subscriber and billing information about the operators of users’ are recorded;
at least one decision unit (6) which is run on the central server (4) and will enable to decide on the balance to be identified to the user;
at least one code generation unit (7) which is run on the central server (4) and enables to create a password, code, barcode, QR code comprising a payment information that corresponds to the shopping request received from the customer;
at least one payment device (8) which enables to receive payment information by means of the application (3) located on the electronic device (2);
at least one payment unit (9) which is run on the central server (4) and updates the billing information recorded on the database (5).
The electronic device (2) included in the GSM payment system (1) is a device such as mobile phone, smart phone, tablet, computer which can communicate with the central server (4) by using any remote communication protocol in the state of the art, communicate with the payment device (8) by using any near-field communication protocol in the state of the art and run at least one application (3) on itself. In one embodiment of the invention, the electronic device (2) is configured in order to realize data exchange between the application (3) and the central server (4) over this connection, by establishing connection with the central server (4) over a data network such as SMS and/or internet. In one embodiment of the invention, the electronic device (2) is configured in order to realize data exchange about the payment information by communicating with the payment device (8) over a near field communication protocol such as Bluetooth, NFC.
The application (3) included in the GSM payment system (1) is run on the electronic device (2) and it is configured to provide an interface that is adapted in order that a shopping request is created over the connection established between the electronic device (2) and the central server (4).
The central server (4) included in the GSM payment system (1) compares the shopping request -that it receives over the connection established by means of any remote communication protocol in the state of the art- with the shopping balance determined for the subscriber in the decision unit (6) with which it is in communication; it is configured such that it will enable to create a code comprising the payment information that will enable the payment about the shopping to be made by triggering the code generation unit (7) in cases when the shopping request is less than and/or equal to the shopping balance and to send the created code to the application (3) by means of the electronic device (2). In a preferred embodiment of the present invention, the central server (4) is configured such that it will display the information that the shopping approval is not realized by means of an interface provided by the application (3) being run on the electronic device (2) and the balance is insufficient when the shopping request compared is higher than the shopping balance, to the client.
The database (5) included in the GSM payment system (1) is configured such that it will enable to send subscriber information to the decision unit (6) with which it is in communication by ensuring that information such as subscriber segment, billing information, invoice information, bill payment information about subscribers of GSM operators are recorded.
The decision unit (6) included in the GSM payment system (1) is run on the central server (4) and it is configured such that it will enable to set a shopping limit to be provided to the user by using information such as subscriber segment, billing information, invoice information, bill payment information about subscribers that it receives from the database (5) with which it is in communication.
The code generation unit (7) included in the GSM payment system (1) is run on the central server (4) and it is configured such that it will enable to send the payment information to the application (3) by means of the electronic device (2) by creating a password, a code, a barcode, a QR code that is associated to the payment information corresponding to the shopping request upon being triggered by the central server (4) when the shopping request compared by the central server (4) is less than the shopping balance created by the decision unit (6).
The payment device (8) included in the GSM payment system (1) is a device such as POS device which enables to enter the password, the code, the barcode and/or the QR code comprising the payment information created by the code generation unit (7) and the password created by means of at least one button located on thereof by using any near-field communication protocol in the state of the art and/or which ensures that the code created by means of a code reader located on thereof is read by a code reader upon being displayed by means of the application (3). The payment device (8) is configured such that it will enable the payment unit (9) to be triggered by communicating with the payment unit (9) by means of any remote communication protocol in the state of the art when it receives a payment. Thus, it is ensured that the shopping fee is reflect on the invoice when shopping is realized.
The payment unit (9) included in the GSM payment system (1) is configured such that it will be triggered by the payment device (8), will receive the information about a payment realized and enable to reflect the shopping amount on the subscriber bill by updating the subscriber information included on the database (5).
According to another preferred embodiment of the invention, the payment device (8) can demand the shopping limit owned by communicating with the central server (4). The central server (4) ensures that the shopping limit requested is set by the decision unit (6) and it is configured such that it will ensure that the code about the payment information corresponding to the shopping limit set is created in the code generation unit (7) and sent to the electronic device (2) of the client by means of any remote communication protocol in the state of the art.
In inventive GSM payment system (1), a shopping request created by a client by means of an application (3) located on the electronic device (2) in return for a shopping, is sent to a central server (4).
Subscription information about subscribers who are connected to GSM operator, are recorded in a database (5) located on the central server (4). The decision unit
(6) which is run on the central server (4) sets a shopping about the subscriber by analysing the subscription information that it receives from the database (5). The central server (4) compares the amount in the shopping request that it receives by means of the application (3) with the shopping limit set by the decision unit (6) and approves the shopping in cases when the comparison result is less than or equal or otherwise refuses it. The central server (4) enables to create a password, code, barcode and/or QR code comprising a payment information that corresponds to the shopping request by transmitting the shopping request to the code generation unit
(7) in cases when the comparison result is less than or equal. The created payment information is sent to the application (3). When it is requested to determine the payment option according to the features of the payment options, it is ensured that a code is read by means of a code reader unit located on the payment device (8) and password is entered by means of buttons located on thereof. When it is detected that the payment is realized by the payment device (8), a payment unit (9) located on the central server (4) is triggered and it is enabled to reflect the related amount on the subscriber’s bill.
Within these basic concepts; it is possible to develop various embodiments of inventive“A GSM Payment System (1)”; the invention cannot be limited to examples disclosed herein and it is essentially according to claims.

Claims

1. A GSM payment system (1) for enabling customers to make the payment required after shopping by means of their GSM operators; comprising
at least one electronic device (2) which is configured to run at least one application on itself;
at least one application (3) which is run on the electronic device (2) and configured to provide an interface that is adapted in order that a shopping request is created by a customer; and
at least one central server (4) which is in communication with the application (3) by means of the electronic device (2), creates a payment information in return for a shopping request created by means of the application (3) and enables to transmit the created payment information to the application (3) by means of the electronic device (2); and characterized by
at least one database (5) wherein subscriber and billing information about the operators of users’ are recorded;
at least one decision unit (6) which is run on the central server (4) and will enable to decide on the balance to be identified to the user;
at least one code generation unit (7) which is run on the central server (4) and enables to create a password, code, barcode, QR code comprising a payment information that corresponds to the shopping request received from the customer;
at least one payment device (8) which enables to receive payment information by means of the application (3) located on the electronic device (2);
at least one payment unit (9) which is run on the central server (4) and updates the billing information recorded on the database (5).
2. A GSM payment system (1) according to Claim 1; characterized by the mobile device (2) which is a device such as mobile phone, smart phone, tablet, computer that can communicate with the central server (4) by using any remote communication protocol, communicate with the payment device (8) by using any near- field communication protocol and run at least one application (3) on itself.
3. A GSM payment system (1) according to Claim 1 or 2; characterized by the mobile device (2) which is configured in order to realize data exchange between the application (3) and the central server (4) over this connection, by establishing connection with the central server (4) over a data network such as internet.
4. A GSM payment system (1) according to any of the preceding claims; characterized by the mobile device (2) which is configured in order to realize data exchange about the payment information by communicating with the payment device (8) over a near-field communication protocol such as Bluetooth, NFC.
5. A GSM payment system (1) according to any of the preceding claims; characterized by the application (3) which is run on the electronic device (2) and configured to provide an interface that is adapted in order that a shopping request is created over the connection established between the electronic device (2) and the central server (4).
6. A GSM payment system (1) according to any of the preceding claims; characterized by the central server (4) which compares the shopping request -that it receives over the connection established by means of any remote communication protocol- with the shopping balance determined for the subscriber in the decision unit (6) with which it is in communication; which is configured such that it will enable to create a code comprising the payment information that will enable the payment about the shopping to be made by triggering the code generation unit (7) in cases when the shopping request is less than and/or equal to the shopping balance and to send the created code to the application (3) by means of the electronic device (2).
7. A GSM payment system (1) according to any of the preceding claims; characterized by the central server (4) which is configured such that it will display the information that the shopping approval is not realized by means of an interface provided by the application (3) being run on the electronic device (2) and the balance is insufficient when the shopping request compared is higher than the shopping balance, to the client.
8. A GSM payment system (1) according to any of the preceding claims; characterized by the database (5) which enables to record information such as subscriber segment, billing information, invoice information, bill payment information about subscribers of GSM operators and which is configured such that it will enable to send subscriber information to the decision unit (6) with which it is in communication.
9. A GSM payment system (1) according to any of the preceding claims; characterized by the decision unit (6) which is run on the central server (4) and configured such that it will enable to set a shopping limit to be provided to the user by using information such as subscriber segment, billing information, invoice information, bill payment information about subscribers that it receives from the database (5) with which it is in communication.
10. A GSM payment system (1) according to any of the preceding claims; characterized by the code generation unit (7) which is run on the central server (4) and creates a password, a code, a barcode, a QR code that is associated to the payment information corresponding to the shopping request upon being triggered by the central server (4) when the shopping request compared by the central server (4) is less than the shopping balance created by the decision unit (6) and is configured such that it will enable to send the created payment information to the application (3) by means of the electronic device (2).
11. A GSM payment system (1) according to any of the preceding claims; characterized by the payment device (8) which is a POS device that enables to enter the password, the code, the barcode and/or the QR code comprising the payment information created by the code generation unit (7) and the password created by means of at least one button located on thereof by using any near-field communication protocol and/or ensures that the code created by means of a code reader located on thereof is read by a code reader upon being displayed by means of the application (3).
12. A GSM payment system (1) according to any of the preceding claims; characterized by the payment device (8) which communicates with the payment unit (9) by means of any remote communication protocol when it receives a payment and which is configured such that it will enable to trigger the payment unit (9) over the connection established.
13. A GSM payment system (1) according to any of the preceding claims; characterized by the payment unit (9) which is triggered by the payment device (8), receives the information about a payment realized and is configured such that it will enable to reflect the shopping amount on the subscriber bill by updating the subscriber information included on the database (5).
14. A GSM payment system (1) according to any of the preceding claims; characterized by the payment device (8) which can demand the shopping limit owned by communicating with the central server (4).
15. A GSM payment system (1) according to any of the preceding claims; characterized by the central server (4) which ensures that the shopping limit requested is set by the decision unit (6) and it is configured such that it will ensure that the code about the payment information corresponding to the shopping limit set is created in the code generation unit (7) and sent to the electronic device (2) of the client by means of any remote communication protocol.
PCT/TR2019/050609 2018-11-08 2019-07-23 A gsm payment system Ceased WO2020096546A2 (en)

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TR2018/16844 2018-11-08
TR201816844 2018-11-08

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Family Cites Families (3)

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Publication number Priority date Publication date Assignee Title
WO2010093770A2 (en) * 2009-02-14 2010-08-19 Net2Text Limited Secure payment and billing method using mobile phone number or account
US20120066120A1 (en) * 2010-09-09 2012-03-15 Boku, Inc. Systems and methods to process payments via a communication system
GB2496595A (en) * 2011-11-11 2013-05-22 Hutchison Whampoa Entpr Ltd Smart phone payment application using two-dimensional barcodes

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