WO2000004470A1 - Traitement economique d'ordres pour des transactions financieres - Google Patents

Traitement economique d'ordres pour des transactions financieres Download PDF

Info

Publication number
WO2000004470A1
WO2000004470A1 PCT/DE1999/001910 DE9901910W WO0004470A1 WO 2000004470 A1 WO2000004470 A1 WO 2000004470A1 DE 9901910 W DE9901910 W DE 9901910W WO 0004470 A1 WO0004470 A1 WO 0004470A1
Authority
WO
WIPO (PCT)
Prior art keywords
customer
company
order
banking
financial transactions
Prior art date
Application number
PCT/DE1999/001910
Other languages
German (de)
English (en)
Inventor
Christine Kocourek
Niels-Vejrup Carlsen
Ansgar Tröster
Original Assignee
Siemens Aktiengesellschaft
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 Aktiengesellschaft filed Critical Siemens Aktiengesellschaft
Priority to EP99942729A priority Critical patent/EP1095351A1/fr
Publication of WO2000004470A1 publication Critical patent/WO2000004470A1/fr

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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

Definitions

  • the invention relates to a method for processing Kun ⁇ denaufträgen to financial companies.
  • Such customer orders are, for example, orders for financial transactions to banks, credit institutions and similar companies.
  • Financial transactions are understood to mean in particular individual transfers and standing orders, as well as deposit orders.
  • Bank customers can use Ho e-Banking to conduct their business, in particular orders, with the bank from a personal computer, at home or at work, or from an appropriate bank terminal. Two categories of home banking products are available for implementation.
  • the so-called online client is offered on the Internet.
  • the user records the orders without a direct connection to the server and then sends them together to the bank.
  • the user has to send the orders manually. Automation is not possible because today's customer systems are usually not always ready for operation and therefore the execution cannot be guaranteed. Furthermore, administration, ie submitting, changing and deleting scheduled one-time or recurring transactions in offline mode, is not implemented.
  • One reason for this is that the order data is not can be kept consistently redundant in the customer system. This data may have changed in another way since the last online connection, for example in writing or when visiting a bank. Realized solutions therefore establish a connection to the credit institution's system before entering changes, and fetch the latest status of the saved orders from there in order to clearly reference the data record to be processed.
  • the customer system in particular is the stationary one
  • the invention has for its object to provide a method of the type mentioned, with which the bank customer can process the order placement with his bank in a time and cost-saving manner.
  • the method according to the invention offers the customer in particular the possibility of subsequently processing or deleting orders already placed, of course before execution.
  • the automatic connection between the customer system and the financial company and the consistency check between the current orders at the customer and at the bank enable the customer to save time and money in the context of home banking.
  • the invention is based on an order from the customer to a company, respectively a financial company.
  • the order can be, for example, a one-time transfer, a standing order or an order to buy or sell shares.
  • Companies are all banks, credit institutions or savings banks through which financial transactions can be processed.
  • the order is represented by an order data record which is stored in the customer, for example in a personal computer, and in the company, for example in a server.
  • the order may have been placed during an online connection between the customer and the company, in writing or through a personal visit by the customer to the company. In the following, such orders are considered which are to be executed one or more times.
  • a change to the order is saved as a change data record at the customer.
  • No connection to the company's server is provided to create the change data record, so that there are no waiting times and no fees.
  • a communication connection to the company's server is established automatically from the customer system at predefined times, with favorable network tariffs.
  • a comparison of the order data records at the customer and at the company is then carried out. This consistency check determines whether the current order data record has been processed at the customer. If the comparison result is positive, the change data record is transferred from the customer to the company. This brings the order data record for the customer and the company up to date. If the comparison turns out to be negative, ie if the customer has changed an order data record that the company did not have in this form, a message is displayed, for example, an error message issued on the customer system.
  • the customer then has the option to update the order data record with the company in writing or as part of an online connection.

Landscapes

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

Abstract

L'invention concerne un procédé pour traiter des ordres de clients auprès de sociétés financières dans le cadre d'un système de banque à domicile, par l'intermédiaire d'un réseau de communication. Selon ce procédé, un ordre est mémorisé chez le client et dans la société, une modification de l'ordre est mémorisée chez le client, puis une liaison de communication est établie vers la société et l'ordre concerné est comparé chez le client et dans la société. En cas de concordance, l'ordre est modifié chez le client et dans la société. Dans le cas contraire, un message est généré chez le client.
PCT/DE1999/001910 1998-07-15 1999-07-01 Traitement economique d'ordres pour des transactions financieres WO2000004470A1 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
EP99942729A EP1095351A1 (fr) 1998-07-15 1999-07-01 Traitement economique d'ordres pour des transactions financieres

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
DE19831824 1998-07-15
DE19831824.3 1998-07-15

Publications (1)

Publication Number Publication Date
WO2000004470A1 true WO2000004470A1 (fr) 2000-01-27

Family

ID=7874165

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/DE1999/001910 WO2000004470A1 (fr) 1998-07-15 1999-07-01 Traitement economique d'ordres pour des transactions financieres

Country Status (2)

Country Link
EP (1) EP1095351A1 (fr)
WO (1) WO2000004470A1 (fr)

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1990000281A1 (fr) * 1988-06-30 1990-01-11 Jml Communications, Inc. Systeme personnel portatif d'informatique bancaire
US5093787A (en) * 1986-06-12 1992-03-03 Simmons John C Electronic checkbook with automatic reconciliation
US5220501A (en) * 1989-12-08 1993-06-15 Online Resources, Ltd. Method and system for remote delivery of retail banking services

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5093787A (en) * 1986-06-12 1992-03-03 Simmons John C Electronic checkbook with automatic reconciliation
WO1990000281A1 (fr) * 1988-06-30 1990-01-11 Jml Communications, Inc. Systeme personnel portatif d'informatique bancaire
US5220501A (en) * 1989-12-08 1993-06-15 Online Resources, Ltd. Method and system for remote delivery of retail banking services

Non-Patent Citations (1)

* Cited by examiner, † Cited by third party
Title
GERARD ET AL: "Die Virtuelle Bank oder "Being Digital"", WIRTSCHAFTSINFORMATIK, vol. 37, no. 6, December 1995 (1995-12-01), pages 529 - 538, XP000857541 *

Also Published As

Publication number Publication date
EP1095351A1 (fr) 2001-05-02

Similar Documents

Publication Publication Date Title
DE69534982T2 (de) Computer-zahlungssystem zum kaufen von informationsprodukten mittels elektronischem transfer auf dem internet
EP0951774B1 (fr) Procede et systeme de transmission de commandes par un reseau de telecommunications
EP1178444B1 (fr) Paiement électronique utilisant des SMS
EP1240632B1 (fr) Procede et systeme de transaction de paiement
DE19903822C2 (de) Verfahren zur Durchführung bargeldloser Zahlungen und System zur Durchführung des Verfahrens
EP1240631B1 (fr) Procede et systeme de transaction de paiement
EP1309957B1 (fr) Procede et systeme pour le transfert d'une somme d'argent electronique a partir d'une memoire d'avoir
WO2004081892A2 (fr) Procede et systeme pour initier et/ou realiser une transaction en relation avec au moins deux declarations de volonte qui correspondent
CN106296392A (zh) 支付汇路选择方法和装置
WO2003042938A2 (fr) Protocole de paiement et procede et dispositif de transmission de donnees pour executer des transactions de paiement
DE10156177A1 (de) Verfahren und Anordnung zur Durchführung einer bargeldlosen Zahlungstransaktion
EP1180750A1 (fr) Procédé et dispositif pour la transmission d'une somme d'argent électronique depuis une mémoire de crédit
EP1309952B1 (fr) Procede permettant de transmettre une somme d'argent electronique a partir d'un systeme d'enregistrement d'avoir
EP1180751A1 (fr) Procédé et dispositif pour la transmission d'une somme d'argent électronique depuis une mémoire de crédit
EP1282087A1 (fr) Méthode pour l'éxecution de transactions monétaires électroniques entre terminaux de participants dans un réseau de communication; serveur de transactions et module de programme associés
DE112013004894T5 (de) Verfahren, System und zugehöriger ausführbarer Computercode zur Vermittlung von Kredittransaktionen
EP1180748A1 (fr) Procédé et dispositif pour la transmission d'une somme d'argent électronique depuis une mémoire de crédit par WAP
DE19634418A1 (de) Verfahren zur Sicherung der Datenübertragung im elektronischen Zahlungsverkehr
WO2000004470A1 (fr) Traitement economique d'ordres pour des transactions financieres
DE10007518B4 (de) Verfahren und Anordnung zur Durchführung von bargeldlosem Zahlungsverkehr
EP1411483A2 (fr) Méthode pour préparer une opération de paiement dans un réseau de communication
EP1310928B1 (fr) Méthode pour effectuer une transaction monétaire utilisant un réseau de communication
EP1128340A1 (fr) Méthode pour charger un compte client pour services de télécommunication et système de chargement associé
EP1175664B1 (fr) Procede pour distribuer des codes de valeur
EP1193658A1 (fr) Procédé et dispositif pour la transmission d'une somme d'argent électronique depuis une mémoire de crédit

Legal Events

Date Code Title Description
AK Designated states

Kind code of ref document: A1

Designated state(s): US

AL Designated countries for regional patents

Kind code of ref document: A1

Designated state(s): AT BE CH CY DE DK ES FI FR GB GR IE IT LU MC NL PT SE

121 Ep: the epo has been informed by wipo that ep was designated in this application
DFPE Request for preliminary examination filed prior to expiration of 19th month from priority date (pct application filed before 20040101)
WWE Wipo information: entry into national phase

Ref document number: 1999942729

Country of ref document: EP

WWE Wipo information: entry into national phase

Ref document number: 09743784

Country of ref document: US

WWP Wipo information: published in national office

Ref document number: 1999942729

Country of ref document: EP

WWW Wipo information: withdrawn in national office

Ref document number: 1999942729

Country of ref document: EP