DE19850089A1 - Electronic payment methods on the Internet - Google Patents
Electronic payment methods on the InternetInfo
- Publication number
- DE19850089A1 DE19850089A1 DE1998150089 DE19850089A DE19850089A1 DE 19850089 A1 DE19850089 A1 DE 19850089A1 DE 1998150089 DE1998150089 DE 1998150089 DE 19850089 A DE19850089 A DE 19850089A DE 19850089 A1 DE19850089 A1 DE 19850089A1
- Authority
- DE
- Germany
- Prior art keywords
- internet
- money
- certain
- account
- user
- 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.)
- Withdrawn
Links
Classifications
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
- G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
- G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
- G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
-
- 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
- G06Q20/04—Payment circuits
-
- 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
- G06Q20/22—Payment schemes or models
- G06Q20/29—Payment schemes or models characterised by micropayments
-
- 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
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/346—Cards serving only as information carrier of service
-
- 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
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
Abstract
Description
Die Erfindung bezieht sich auf ein Verfahren zur Internet- Überweisung kleiner bzw. kleinster Geldbeträge für Internet- Bestellungen durch einen Internetbenutzer.The invention relates to a method for Internet Transfer of small or smallest amounts of money for internet Orders placed by an internet user.
Bargeldlose Zahlungen werden heute überwiegend über Kreditkarte getätigt, seltener auch gegen Rechnung und Bezahlung per Nachnahme. In jedem Fall werden hierbei größere finanzielle Transaktionen angestoßen.Cashless payments are predominantly used today Credit card made, less often against invoice and Cash on delivery. In any case, here initiated larger financial transactions.
In Zukunft wird es jedoch auch Bedarf geben für Mehrwertdienste, schnell und unbürokratisch kleine Beträge vom Internetbenutzer abzufordern, ohne ihn jedesmal dazu auffordern zu müssen bzw. die oben beschriebene Prozeduren durchlaufen zu müssen, deren Aufwand in keinem Verhältnis zu dem geforderten kleinen Betrag steht. In diesem Fall spricht man auch von sog. Micropayments oder electronic wallet.In the future, however, there will also be a need for Value-added services, quick and unbureaucratic small amounts to request from the Internet user without having to do it every time have to ask or the procedures described above having to go through, their effort out of proportion to the small amount requested. In this case it speaks one also of so-called micropayments or electronic wallet.
Als Lösung wird hier vorgeschlagen der Einsatz scheibenförmiger Speichermedien, die über das Laufwerk des Personalcomputers des Internetbenutzers auslesbar sind und gespeicherte Daten enthalten, die einerseits Geldbeträgen äquivalent sind und andererseits über den Personalcomputer zum Anbieter auf das dortige Konto des Internetbenutzers übertragbar sind.Use as a solution is proposed here disk-shaped storage media that are on the drive of the Personal computers of the Internet user are readable and stored data contain, on the one hand, amounts of money are equivalent and on the other hand via the personal computer to the provider on the account of the Internet user there are transferable.
Ähnlich wie eine Telefonkarte benutzt man vorzugsweise eine Compact Disc (CD) oder Digital Versatile Disc (DVD), also ein scheibenförmiges Speichermedium, auf der ein fester Geldbetrag gespeichert ist. Da praktisch jeder PC, der heute betrieben wird, bereits über ein entsprechendes Laufwerk verfügt, ist kein zusätzliches Peripheriegerät, wie zum Beispiel ein Karlenlesegerät, notwendig. Internetprovider würden über den Handel solche auf den Provider zugeschnittene "webdiscs" verkaufen, die die Micropayment- Angebote dieses Providers unterstützen.Similar to a phone card, it is preferable to use one Compact disc (CD) or digital versatile disc (DVD) a disk-shaped storage medium on which a fixed Amount of money is saved. Since practically every PC today is already operated, via an appropriate drive is not an additional peripheral, such as Example a Karlen reader, necessary. Internet provider would trade such on the provider sell tailored "webdiscs" that the micropayment- Support offers from this provider.
Zudem wird bei dem Verfahren nach der Erfindung erreicht,
daß
In addition, it is achieved in the method according to the invention that
- a) die Anonymität des Benutzers und seiner Bankverbindung gewahrt wird unda) the anonymity of the user and his bank details is preserved and
- b) der Benutzer ein überschaubares Risiko im Mißbrauchsfalle hat.b) the user a manageable risk in Abuse case.
Die Einmalabspielbarkeit der CD/DVD läßt sich im sog. Masteringprozess oder durch softwareseitige Steuerung des Laufwerkes umsetzen.The CD / DVD can be played once in the so-called Mastering process or by software control of the Relocate the drive.
Für die DVD gibt es bislang das sog. DIVX-Verfahren, das ein pay per view zuläßt: Ein digital gespeicherter Videofilm läßt sich bei Kauf der Scheibe nur einmal abspielen. Möchte man den Film noch einmal sehen, muß der Player die Disc noch einmal für einen weiteren einmaligen Zugriff oder für unbegrenzten Zugriff freischalten, nachdem er einen weiteren Betrag an die DIVX-Zentrale überwiesen hat. Die Freischaltung bzw. die Kommunikation zwischen dem Player und der Zentrale geschieht über ein Modem, d. h. um DIVX-Scheiben abzuspielen, braucht man einen speziellen Player.So far, there is the so-called DIVX process for the DVD, the one pay per view permits: A digitally stored video film can only be played once when the disc is purchased. Would like to if you watch the movie again, the player still needs the disc once for another one-time access or for Unlock unlimited access after getting another Transferred the amount to the DIVX headquarters. The Activation or communication between the player and the center is done via a modem, d. H. around DIVX disks to play, you need a special player.
Claims (5)
Priority Applications (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
DE1998150089 DE19850089A1 (en) | 1998-10-30 | 1998-10-30 | Electronic payment methods on the Internet |
PCT/EP1999/007935 WO2000026867A1 (en) | 1998-10-30 | 1999-10-19 | Method for the electronic payment via internet |
Applications Claiming Priority (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
DE1998150089 DE19850089A1 (en) | 1998-10-30 | 1998-10-30 | Electronic payment methods on the Internet |
Publications (1)
Publication Number | Publication Date |
---|---|
DE19850089A1 true DE19850089A1 (en) | 2000-05-04 |
Family
ID=7886175
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
DE1998150089 Withdrawn DE19850089A1 (en) | 1998-10-30 | 1998-10-30 | Electronic payment methods on the Internet |
Country Status (2)
Country | Link |
---|---|
DE (1) | DE19850089A1 (en) |
WO (1) | WO2000026867A1 (en) |
Families Citing this family (1)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US20020191788A1 (en) * | 2001-03-28 | 2002-12-19 | Eastman Kodak Company | Credit or debit copy-protected optical disc |
Citations (2)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
DE19620425A1 (en) * | 1996-05-21 | 1997-11-27 | Nvg Netcard Vermarktungs Gmbh | Data carrier card and device for reading / writing the data carrier card in a floppy disk drive |
DE19753995A1 (en) * | 1996-12-06 | 1998-06-10 | Prosper Creative Co | Marketing system |
Family Cites Families (3)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
EP1235177A3 (en) * | 1993-12-16 | 2003-10-08 | divine technology ventures | Digital active advertising |
US5692132A (en) * | 1995-06-07 | 1997-11-25 | Mastercard International, Inc. | System and method for conducting cashless transactions on a computer network |
US5825881A (en) * | 1996-06-28 | 1998-10-20 | Allsoft Distributing Inc. | Public network merchandising system |
-
1998
- 1998-10-30 DE DE1998150089 patent/DE19850089A1/en not_active Withdrawn
-
1999
- 1999-10-19 WO PCT/EP1999/007935 patent/WO2000026867A1/en active Application Filing
Patent Citations (2)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
DE19620425A1 (en) * | 1996-05-21 | 1997-11-27 | Nvg Netcard Vermarktungs Gmbh | Data carrier card and device for reading / writing the data carrier card in a floppy disk drive |
DE19753995A1 (en) * | 1996-12-06 | 1998-06-10 | Prosper Creative Co | Marketing system |
Also Published As
Publication number | Publication date |
---|---|
WO2000026867A1 (en) | 2000-05-11 |
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Legal Events
Date | Code | Title | Description |
---|---|---|---|
OM8 | Search report available as to paragraph 43 lit. 1 sentence 1 patent law | ||
8139 | Disposal/non-payment of the annual fee |