EP1360664A2 - Procede et agencement pour transmettre une somme d'argent electronique depuis un systeme de memorisation de credits - Google Patents

Procede et agencement pour transmettre une somme d'argent electronique depuis un systeme de memorisation de credits

Info

Publication number
EP1360664A2
EP1360664A2 EP01982274A EP01982274A EP1360664A2 EP 1360664 A2 EP1360664 A2 EP 1360664A2 EP 01982274 A EP01982274 A EP 01982274A EP 01982274 A EP01982274 A EP 01982274A EP 1360664 A2 EP1360664 A2 EP 1360664A2
Authority
EP
European Patent Office
Prior art keywords
money
recipient
server
terminal
data
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Withdrawn
Application number
EP01982274A
Other languages
German (de)
English (en)
Inventor
Per Vindeby
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.)
Siemens AG
Original Assignee
Siemens AG
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 Siemens AG filed Critical Siemens AG
Priority to EP01982274A priority Critical patent/EP1360664A2/fr
Publication of EP1360664A2 publication Critical patent/EP1360664A2/fr
Withdrawn legal-status Critical Current

Links

Classifications

    • 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
    • G06Q20/04—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
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking 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
    • G06Q20/223—Payment schemes or models based on the use of peer-to-peer networks
    • 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
    • G06Q20/28—Pre-payment schemes, e.g. "pay before"
    • 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
    • G06Q20/32—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]
    • G06Q20/3223—Realising banking transactions through M-devices
    • 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
    • G06Q20/32—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; 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes

Definitions

  • the invention relates to a method and an arrangement for transferring an electronic amount of money from a credit memory to an account or to another credit memory via a telecommunications and data network.
  • the Internet In addition to its use as a means of communication and a source of information for hundreds of millions of people, the Internet is becoming increasingly important as a source of shopping.
  • the trade in software, books and travel in particular is already taking place to a significant extent on the Internet, but increasingly a wide range of other goods and services are being ordered and paid for on the Internet.
  • the payment of the corresponding services on the Internet in the originally established and still mostly widespread way requires the separate entry of the relevant data records at least for each business partner, if not for the individual transaction. This payment method gives the business partner insight into sensitive personal data and even the possibility of their permanent storage.
  • telecommunications - especially mobile telecommunications - are today an area with rapid technical and economic development and an essential source of economic growth and new social developments.
  • the mobile phone (“cell phone” ) more and more to a universal communication and information instrument and also increasingly used for access to goods and services.
  • This development is also hampered by inadequate options for secure and at the same time easy payment for information, goods and services ordered via the mobile phone.
  • the invention is therefore based on the object of specifying a method and an arrangement for the simplified handling of payment transactions using a linked telecommunications and data network.
  • identification codes are handled "dynamically" by assigning a unique transaction number (TAN) for each money transfer as part of a service, which serves as an address when the information is exchanged.
  • TAN unique transaction number
  • Such a transaction number is to be carried out by the money recipient before a money transfer or at the beginning requested by the first server of its service provider and generated by this, taking into account the requirement of uniqueness, for example by means of a random generator.
  • B2B ⁇ or B2C * The use of this application in the commercial area ("B2B ⁇ or" B2C *) is preferably carried out as part of a subscription by the money recipient.
  • the recipient of the money will normally specify a bank account to which the money transferred to his electronic credit store as part of the prepaid shopping application is ultimately transferred.
  • JX o iQ P et n 1 P ⁇ CO HI H is; H P- ⁇ 3 H ⁇ -. ⁇ P- * ⁇ P- o tr H et p. ⁇ N rt ⁇ - ⁇ l H p- tu: o JP cn.: P s: ⁇ CO rt co H ⁇ P P- rt
  • the proposed method offers improved transparency and reliability compared to known payment processing methods. It also has the essential advantage that the electronic money available on a prepaid account is used not only for the payment of a narrowly specified service (especially telephone calls), but in can be used in a variety of ways for the payment of goods, services, information etc. in both real and virtual sales facilities of all kinds.
  • a narrowly specified service especially telephone calls
  • the user has strict cost control over significant parts of his living expenses, and unintentional indebtedness is excluded in principle.
  • This method can therefore be used particularly advantageously for minors (or also for older people who are no longer in full possession of their intellectual powers), for whom there has so far been no comparable application.
  • the money sender and the money recipient can be registered with different operators, and it is not even necessary for the service provider of the money sender to transmit the identification code (the MSISDN) of the money sender to another service operator.
  • the money sender remains anonymous both to the recipient of the money and to the operator of the recipient of the money, since no personal data is transferred. - There is no need for the beneficiary to register with multiple service providers even if he Has contact with money senders registered with various service providers.
  • the infrastructure of the existing mobile phone networks and service providers can be used sensibly on the consumer side.
  • Figure 1 is a highly simplified functional block diagram of a first embodiment of the arrangement
  • FIG. 2 shows a greatly simplified functional block diagram of a second embodiment.
  • FIG. 1 shows a schematic representation of essential steps of the proposed application in a first embodiment (consumer-to-vendor) and FIG. 2 shows a schematic representation of essential steps of the proposed application in a second embodiment (consumer-to-vendor) ,
  • PPPPP Ml PPP ⁇ P P- uq P Pt tr ⁇ ⁇ P ö P- tr P ⁇ P P- P- PP rt P cn Pt .. - PZ rt P 1 Pi P ⁇ ⁇ P ⁇ P- PO ⁇ P- P cn N ⁇ P ⁇ tr P- ⁇
  • an identifier of the recipient of the money is entered in the database together with the transaction number and the amount of money forming the address, in particular his terminal number or immediately an account code of his prepaid account to be used for the money transfer process.
  • the cash register device is coupled directly to a terminal for connection to the first server, so that a connection to the service operator is automatically established during a prepaid payment process and the amount of money to be transmitted is automatically transmitted becomes.
  • the automatic transmission of the amount of money is the rule.
  • the transaction number is made known to the sender by the money recipient; This happens in a real business, in particular by printing on the receipt, optically see display on the till device or an additional device or u. Orally and when shopping online using the money sender's screen or cell phone display - depending on the specific application, the use of separate technical transmission channels (Bluetooth, Interoute, ...) is also practical.
  • second server This number is fundamentally unchangeable and represents a terminal number or a special number (IN service number). It is best stored in the terminal of the money sender - either in the phone book or directly in the main menu in association with a selection key.
  • a signaling connection with USSD can also be used for the transmission.

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

L'invention concerne un procédé pour transmettre une somme d'argent électronique depuis un système de mémorisation de crédits d'un émetteur sur un compte ou vers un système de mémorisation de crédits d'un receveur par l'intermédiaire d'un réseau de données et de télécommunication. Selon cette invention, la diffusion des données requises s'effectue à l'aide d'un code d'identification du receveur et le transfert d'argent entre un premier serveur et un deuxième serveur d'au moins un fournisseur de service.
EP01982274A 2000-09-29 2001-09-11 Procede et agencement pour transmettre une somme d'argent electronique depuis un systeme de memorisation de credits Withdrawn EP1360664A2 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
EP01982274A EP1360664A2 (fr) 2000-09-29 2001-09-11 Procede et agencement pour transmettre une somme d'argent electronique depuis un systeme de memorisation de credits

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
EP00121482 2000-09-29
EP00121482A EP1193658A1 (fr) 2000-09-29 2000-09-29 Procédé et dispositif pour la transmission d'une somme d'argent électronique depuis une mémoire de crédit
PCT/EP2001/010493 WO2002027680A2 (fr) 2000-09-29 2001-09-11 Procede et agencement pour transmettre une somme d'argent electronique depuis un systeme de memorisation de credits
EP01982274A EP1360664A2 (fr) 2000-09-29 2001-09-11 Procede et agencement pour transmettre une somme d'argent electronique depuis un systeme de memorisation de credits

Publications (1)

Publication Number Publication Date
EP1360664A2 true EP1360664A2 (fr) 2003-11-12

Family

ID=8169988

Family Applications (2)

Application Number Title Priority Date Filing Date
EP00121482A Withdrawn EP1193658A1 (fr) 2000-09-29 2000-09-29 Procédé et dispositif pour la transmission d'une somme d'argent électronique depuis une mémoire de crédit
EP01982274A Withdrawn EP1360664A2 (fr) 2000-09-29 2001-09-11 Procede et agencement pour transmettre une somme d'argent electronique depuis un systeme de memorisation de credits

Family Applications Before (1)

Application Number Title Priority Date Filing Date
EP00121482A Withdrawn EP1193658A1 (fr) 2000-09-29 2000-09-29 Procédé et dispositif pour la transmission d'une somme d'argent électronique depuis une mémoire de crédit

Country Status (5)

Country Link
US (1) US20040030642A1 (fr)
EP (2) EP1193658A1 (fr)
JP (1) JP2004523814A (fr)
BR (1) BR0114291A (fr)
WO (1) WO2002027680A2 (fr)

Families Citing this family (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CA2291920A1 (fr) * 1998-12-11 2000-06-11 Karuna Ganesan Technique d'execution de transactions protegees sur un reseau
EP1378876A1 (fr) * 2002-07-03 2004-01-07 Siemens Aktiengesellschaft Procédé et dispositif de paiement électronique d'articles et de services en utilisant un réseau mobile cellulaire
US20060116938A1 (en) * 2002-07-03 2006-06-01 Siemens Aktiengesellschaft Method for the electronic payment of a merchandise or service by using a mobile radio network, and arrangement for carrying out said method
WO2006049585A1 (fr) * 2004-11-05 2006-05-11 Mobile Money International Sdn Bhd Systeme de paiement
US20100057615A1 (en) * 2008-08-27 2010-03-04 John Klett Method of transferring money
US20150112856A1 (en) * 2013-10-22 2015-04-23 Kouros Ershadi System and Method for Facilitating International Money Transfers
US20220262203A1 (en) * 2021-02-18 2022-08-18 Igt Virtual chip purchase vouchers

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JPH09116960A (ja) * 1995-10-18 1997-05-02 Fujitsu Ltd キャッシュレスシステム及び該システムで使用する携帯機
JPH10154193A (ja) * 1996-09-30 1998-06-09 N T T Data Tsushin Kk 電子マネーシステム及び記録媒体
JPH10143725A (ja) * 1996-11-07 1998-05-29 Oki Electric Ind Co Ltd 電子取引システム
JPH10240816A (ja) * 1997-02-27 1998-09-11 Hitachi Ltd 商品購入によって電子決済を行うシステム及び方法
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US5949044A (en) * 1997-06-13 1999-09-07 Walker Asset Management Limited Partnership Method and apparatus for funds and credit line transfers
JPH1196252A (ja) * 1997-09-17 1999-04-09 Hitachi Ltd マルチメディア携帯端末を用いた電子マネー取引方式
US6021397A (en) * 1997-12-02 2000-02-01 Financial Engines, Inc. Financial advisory system
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JP2000187700A (ja) * 1998-12-22 2000-07-04 Soriton Syst:Kk 電子財布及び電子マネ―
US20020055847A1 (en) * 1999-01-20 2002-05-09 Masahiro Nakano Method and apparatus of providing secure transactions on a network
DE19903363C2 (de) * 1999-01-28 2002-05-29 Mueller Judex Donald Verfahren und System zur Durchführung von bargeldlosen Finanztransaktionen
JP2000227937A (ja) * 1999-02-05 2000-08-15 Sanwa Bank Ltd 代金支払方法および代金支払システム
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Also Published As

Publication number Publication date
WO2002027680A2 (fr) 2002-04-04
BR0114291A (pt) 2004-12-14
US20040030642A1 (en) 2004-02-12
JP2004523814A (ja) 2004-08-05
WO2002027680A3 (fr) 2003-08-21
EP1193658A1 (fr) 2002-04-03

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