WO2004053807A1 - Paying system by radiotelephone - Google Patents

Paying system by radiotelephone Download PDF

Info

Publication number
WO2004053807A1
WO2004053807A1 PCT/DE2003/003915 DE0303915W WO2004053807A1 WO 2004053807 A1 WO2004053807 A1 WO 2004053807A1 DE 0303915 W DE0303915 W DE 0303915W WO 2004053807 A1 WO2004053807 A1 WO 2004053807A1
Authority
WO
WIPO (PCT)
Prior art keywords
payment
card
radio telephone
data
customer
Prior art date
Application number
PCT/DE2003/003915
Other languages
German (de)
French (fr)
Inventor
Jörg Baldus
Original Assignee
Deutsche Telekom 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 Deutsche Telekom Ag filed Critical Deutsche Telekom Ag
Priority to AU2003291951A priority Critical patent/AU2003291951A1/en
Priority to DE10394129T priority patent/DE10394129D2/en
Publication of WO2004053807A1 publication Critical patent/WO2004053807A1/en

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
    • G06Q20/04—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
    • G06Q20/14—Payment architectures specially adapted for billing 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
    • G06Q20/30—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; 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
    • G06Q20/342—Cards defining paid or billed services or quantities
    • 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
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3821—Electronic credentials
    • G06Q20/38215—Use of certificates or encrypted proofs of transaction rights
    • 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
    • G07F7/02—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices
    • G07F7/025—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices by means, e.g. cards, providing billing information at the time of purchase, e.g. identification of seller or purchaser, quantity of goods delivered or to be delivered

Definitions

  • the invention described below relates to a payment system by means of radio telephone, in which commercial transactions of any kind using club or. Credit cards, in particular the payment for goods and services, can be carried out securely via an open radio link.
  • One of these systems uses a digital signature on a SIM card, which, because of the short key length for the air interface security, for signing and encryption when establishing a connection causes considerable network load and a time expenditure which is very cumbersome for larger amounts of transactions.
  • the second system in which data is transmitted via DTMF tones for a dial-in number for payment and billing, lacks the necessary security for the transmission of credit card information. To generate this, the connection would have to be cryptologically tunneled, which also increases the network load.
  • DE 198 05 056 AI and DE 198 33 643 AI also propose to use a credit card or Eurocheckcard EC for the operation of a mobile radio telephone and therein also for payment processes.
  • communication with the bank issuing the card and entering the PIN with corresponding security risks is required.
  • the object of the invention is to overcome the problem of contradictions between the network load for security-relevant communication in financial transactions from any EC, credit and club cards and to radically reduce the time required.
  • Fig. 1 is a diagram of the components of the system and Fig. 2 is a diagram of the processing operations in the system.
  • the participant in this payment system who wants to make use of a product or service, hereinafter referred to briefly as a mobile customer, is provided with a certificate card 1 with a magnetic stripe or chip by the mobile radio operator or the provider of commercial services, which the mobile radio customer issues before the payment process or at the beginning of the payment process, in addition to the first chip card for radio operation, is in a reading or contact position of its mobile device 2 (a dual-slot cell phone).
  • a certificate card 1 with a magnetic stripe or chip by the mobile radio operator or the provider of commercial services, which the mobile radio customer issues before the payment process or at the beginning of the payment process, in addition to the first chip card for radio operation, is in a reading or contact position of its mobile device 2 (a dual-slot cell phone).
  • the payee 3 gives his data relevant to the payment process 4, for example, type of service, amount, with invoice number, credit account of the payee and terminal ID and the like. Like. Known, which are essential for the payment process.
  • an encrypted and signed data packet is then transmitted from customer 2's radio telephone to a special dial-in point on a special dial-in server of the respective mobile radio operator 5.
  • This is connected to a trust center 6 and decrypts the data packet.
  • the data If the data are recognized as complete and correct, they can be processed and handed over to a clearing house 7, which is connected to a bank server 8 and, according to FIG. 2, checks for possible blocking and creditworthiness. If the certificate card 1 is blocked or lost, the payment process is terminated, as is the case if the customer is not sufficiently creditworthy, and a corresponding message is sent to the payee 3. Otherwise the data packet is transferred to the dial-in server. The data is checked again and the payment is settled. The payment process is confirmed to the payee 3, which completes the payment process and, for example, the dealer can hand over the goods to the customer.

Landscapes

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

Abstract

The operators for payment by radio are penalised by safety and the duration of transactions. The aim of the invention to find out a compromise between contradictory measures, i.e. reducing a network overload with the problems of the security of finance transaction made by means of the EC card, credit cards, club cards and the duration of the transaction. The aim is achieved by the inventive system which uses a radiotelephone certification card apart from a radio communication card. A signed and coded data packet is formed on the basis of data which are important for the user and a payment operation and is associated to data for communicating with the client bank by means of said certification card, said packet being submitted to a radiotelephone operator only. The inventive payment system can be used for all kinds of commercial transactions, which are carried out with the aid of club cards and credit cards, especially for paying goods and services in such a way that they are made in a safe manner by means of an open radio communication.

Description

Za lungssystem mittels FunktelefonPayment system using a radio telephone
BesehreibungBesehreibung
Die nachfolgend beschriebene Erfindung betrifft ein Zahlungssystem mittels Funktelefon, bei dem kommerzielle Transaktionen beliebiger Art unter Verwendung von Clubbzw. Kreditkarten, insbesondere die Bezahlung von Waren und Dienstleistungen, gesichert über eine offene Funkverbindung durchgeführt werden.The invention described below relates to a payment system by means of radio telephone, in which commercial transactions of any kind using club or. Credit cards, in particular the payment for goods and services, can be carried out securely via an open radio link.
Bei allen Arten der kommerziellen Transaktionen wird sowohl seitens des Zahlers als auch seitens der beteiligten Banken und Zahlungsempfänger Wert darauf gelegt, daß jede Art von unberechtigter Verfügung über die Daten und über Beträge ohne ausreichende Bonität ausgeschlossen wird. Andererseits soll auch der Aufwand für das gesamte Verfahren der Übermittlung der Daten und deren Prüfung sowohl hinsichtlich der erforderlichen Telekommunikationseinrichtungen als auch hinsichtlich der erforderlichen Zeit möglichst gering gestaltet werden. Nur wenn die Kosten der bargeldlosen Transaktionen (für Einrichtungen, Bankgebühren und Netzlasten mit Verbindungsgebühren) , mit denen der Zahlungsempfänger belastet wird, gegenüber den Gefahren von Bar- geldverlusten als gering genug erachtet werden, findet ein solches Zahlungssystem bei ihm Akzeptanz. Von fast den gleichen Voraussetzungen geht auch der Zahler aus. Jede Kostenverlagerung verändert deshalb nur die Seite der Verweigerung der Akzeptanz.For all types of commercial transactions, both the payer and the banks and payees involved attach importance to the fact that any type of unauthorized disposal of the data and amounts without sufficient creditworthiness is excluded. On the other hand, the effort for the entire process of transmitting the data and checking it, both with regard to the required telecommunication facilities and with regard to the required time, should be minimized. Such a payment system will only be accepted by the payment recipient if the costs of the cashless transactions (for facilities, bank charges and network loads with connection charges) that are charged to the payee are deemed to be low enough compared to the dangers of cash losses. The payer assumes almost the same conditions. Any shift in costs therefore only changes the side of refusing acceptance.
Zum Stand der Technik sind eine Vielzahl von Systemen und Verfahren bekannt, die entweder einen hohen Aufwand für die erforderlichen Einrichtungen bzw. große Netzlasten erfor- dern oder Unsicherheiten für die Datenübermittlung verursachen.A large number of systems and methods are known from the prior art, which either require a high outlay for the required facilities or large network loads. or cause uncertainties for the data transmission.
Es sind bereits verschiedene Systeme auf der Basis von WAP- und SMS- Diensten in der Praxis erprobt worden, derenVarious systems based on WAP and SMS services have already been tried out in practice
Schwachstellen dieser Art eine flächendeckende Verbreitung und Akzeptanz bisher verhinderten.Weak points of this kind have so far prevented widespread dissemination and acceptance.
Eines dieser Systeme verwendet eine digitale Signatur auf einer SIM- Karte, das, wegen der kurzen Schlüssellänge bei der Luftschnittstellen-Sicherung, zum Signieren und Verschlüsseln beim Aufbau einer Verbindung erhebliche Netzlast und einen Zeitaufwand verursacht, der für größere Mengen von Transaktionen sehr hinderlich ist.One of these systems uses a digital signature on a SIM card, which, because of the short key length for the air interface security, for signing and encryption when establishing a connection causes considerable network load and a time expenditure which is very cumbersome for larger amounts of transactions.
Auch dem zweiten System, bei dem für die Bezahlung und Abrechnung Daten über eine Einwahlnummer mittels DTMF- Tönen übermittelt werden, fehlt die nötige Sicherheit für die Übertragung von Kreditkarteninformationen. Um diese zu erzeugen, müßte die Verbindung kryptologisch getunnelt werden, was ebenfalls die Netzlast erhöht.The second system, too, in which data is transmitted via DTMF tones for a dial-in number for payment and billing, lacks the necessary security for the transmission of credit card information. To generate this, the connection would have to be cryptologically tunneled, which also increases the network load.
Aus DE 198 43 439 AI ist auch ein Verfahren und System mit einer Mobilfunk- und damit kommunizierender Basis- Einrich- tung bekannt, bei dem die Basiseinrichtung die zum Bezahlen erforderlichen Daten an die Mobilfunkeinrichtung sendet, die Mobilfunkeinrichtung eine Bestätigung für die Bezahlung an die Mobilfunkeinrichtung sendet, die Mobilfunkeinrichtung eine Bestätigung für die Bezahlung beim Benutzer ab- fragt, nach der Bestätigung die Mobilfunkeinrichtung einen Bezahlvorgang durch Aussenden von Bezahlanweisungsdaten ausführt und die Mobilfunkeinrichtung oder die Telekommunikationseinrichtung eines Geldinstituts Quittungsdaten für den Funkbezahlvorgang an die Basistelekommunikationseinrichtung sendet, um den Bezahlungsvorgang für den Käufer und den Verkäufer einfach, sicher und kostengünstig zu gestalten. Dabei werden zur Authentifikation lediglich eine Mobilfunkeinrichtung, gekoppelt mit einer personalisierten Telefonnummer, die dem Verkäufer angegeben werden muß, sowie eine persönliche Identifikationsnummer PIN verwendet. Mit dieser Art der Sicherung ist der Bezahlvorgang auf das Geldinstitut beschränkt, zu dem diese Identifikationsnummer und PIN gehört. Die Netzlast verringert sich nur durch interne Verbindungen zwischen Mobilfunk- und damit kommunizierender Basis- Einrichtung, welche diese Einrichtungen ermöglichen müssen. Das erkennbare Verwenden oder Speichern der persönlichen Identifikationsnummer PIN durch den Käufer bedeutet für ihn ein Sicherheitsrisiko.From DE 198 43 439 AI a method and system with a mobile radio and thus communicating base device is also known, in which the base device sends the data required for payment to the mobile phone device, the mobile phone device confirms the payment to the mobile phone device transmits, the mobile radio device queries the user for a confirmation of payment, after the confirmation the mobile radio device carries out a payment process by sending payment instruction data and the mobile radio device or the telecommunications device of a financial institution receives receipt data for sends the radio payment process to the base telecommunication device in order to make the payment process simple, safe and inexpensive for the buyer and the seller. For authentication, only a mobile radio device, coupled with a personalized telephone number that must be given to the seller, and a personal identification number PIN are used. With this type of security, the payment process is limited to the financial institution to which this identification number and PIN belong. The network load is reduced only by internal connections between the mobile radio and the communicating base device, which these devices must enable. The recognizable use or storage of the personal identification number PIN by the buyer means a security risk for him.
In den DE 198 05 056 AI und DE 198 33 643 AI wird auch vorgeschlagen eine Kreditkarte bzw. Eurocheckkarte EC für den Betrieb eines Mobilfunktelefons und darin auch für Bezahl- Vorgänge zu verwenden. Auch hierbei ist die Kommunikation mit der die Karte ausstellenden Bank und die PIN- Eingabe mit entsprechenden Sicherheitsrisiken erforderlich.DE 198 05 056 AI and DE 198 33 643 AI also propose to use a credit card or Eurocheckcard EC for the operation of a mobile radio telephone and therein also for payment processes. Here too, communication with the bank issuing the card and entering the PIN with corresponding security risks is required.
Die Aufgabe der Erfindung ist es, das Problem der Wider- Sprüche zwischen der Netzbelastung für die sicherheitsrelevante Kommunikation bei finanziellen Transaktionen aus beliebigen EC-, Kredit- und Clubkarten zu überwinden und den Zeitaufwand radikal zu reduzieren.The object of the invention is to overcome the problem of contradictions between the network load for security-relevant communication in financial transactions from any EC, credit and club cards and to radically reduce the time required.
Die Erfindung löst diese Aufgabe mit einem System mit den im Kennzeichen des Patentanspruchs 1 aufgeführten Merkmalen. Vorteilhafte Weiterbildungen des Systems sind den Unteransprüchen entnehmbar.The invention solves this problem with a system with the features listed in the characterizing part of patent claim 1. Advantageous further developments of the system can be found in the subclaims.
Das System nach der Erfindung ist nachfolgend anhand von Ausführungsbeispielen näher erläutert. In den zugehörigenThe system according to the invention is explained in more detail below using exemplary embodiments. In the associated
Zeichnungen zeigen dieDrawings show the
Fig. 1 ein Schema der Bestandteile des Systems und Fig. 2 ein Schema der Bearbeitungsvorgänge im System.Fig. 1 is a diagram of the components of the system and Fig. 2 is a diagram of the processing operations in the system.
Der Teilnehmer an diesem Zahlungssystem, der eine Ware oder Dienstleistung in Anspruch nehmen will, nachfolgend kurz als Mobilfunkkunde bezeichnet, ist vom Mobilfunkbetreiber bzw. vom Anbieter kommerzieller Leistungen mit einer Zertifikatskarte 1 mit Magnetstreifen bzw. Chip versehen, die der Mobilfunkkunde vor dem Zahlungsvorgang, bzw. zu Beginn des Zahlungsvorganges, zusätzlich zur ersten Chipkarte für den Funkbetrieb, in eine Lese- bzw. Kontakt- Position seines Mobilfunkgerätes 2 (eines Dual- Slot- Handys) steckt.The participant in this payment system, who wants to make use of a product or service, hereinafter referred to briefly as a mobile customer, is provided with a certificate card 1 with a magnetic stripe or chip by the mobile radio operator or the provider of commercial services, which the mobile radio customer issues before the payment process or at the beginning of the payment process, in addition to the first chip card for radio operation, is in a reading or contact position of its mobile device 2 (a dual-slot cell phone).
Der Zahlungsempfänger 3, der Händler bzw. Dienstleister, gibt seine für den Zahlungsvorgang 4 erheblichen Daten, beispielsweise Leistungsart, Betrag, mit Rechnungsnummer, Gutschriftkonto des Zahlungsempfängers und Terminal- ID u. dgl. bekannt, die für den Zahlungsvorgang wesentlich sind. Der Kunde tippt, entsprechend Fig. 2, auf seinem HandyThe payee 3, the trader or service provider, gives his data relevant to the payment process 4, for example, type of service, amount, with invoice number, credit account of the payee and terminal ID and the like. Like. Known, which are essential for the payment process. The customer types, according to FIG. 2, on his cell phone
Rechnungsnummer und evtl. Betrag, Terminalnummer und (evtl. voreingestellt oder gespeichert) VISA, Amex etc., Kartennummer mit Gültigkeit oder Kartennummer mit PIN in dreizeilige Maske ein.Invoice number and possibly amount, terminal number and (possibly preset or saved) VISA, Amex etc., card number with validity or card number with PIN in a three-line mask.
Eine vorteilhafte Weiterbildung des Systems ist möglich, wenn der Zahlungsempfänger 3 sein Terminal mit einer Funktelefonverbindung versehen hat und seine relevanten Daten drahtlos in der Art einer SMS oder über eine Infrarotschnittstelle an das Funktelefon des Kunden überträgt, die dieser nur mit seinen Daten ergänzt. Damit können Irrtümer und Eingabefehler noch sicherer ausgeschlossen und die Zeit des Zahlungsvorganges weiter verkürzt werden.An advantageous further development of the system is possible if the payee 3 has provided his terminal with a radio telephone connection and his relevant ones Data is transmitted wirelessly in the form of an SMS or via an infrared interface to the customer's radio telephone, which the customer only supplements with his data. Errors and input errors can be excluded even more reliably and the time of the payment process can be further reduced.
Wie aus Fig. 2 ersichtlich, wird danach vom Funktelefon des Kunden 2 ein verschlüsseltes und signiertes Datenpaket zu einer speziellen Einwahlstelle auf einem speziellen Einwahlserver des jeweiligen Mobilfunkbetreibers 5 übermittelt. Dieser ist mit einem Trustcenter 6 verbunden und entschlüsselt das Datenpaket. Wenn die Daten als vollständig und zutreffend erkannt werden, können sie verarbeitet und einer Clearingstelle 7 übergeben werden, die mit einem Bankenserver 8 in Verbindung steht und, entsprechend Fig. 2, die Prüfung auf evtl. Sperrung und Bonität vornimmt. Ist die Zertifikatskarte 1 als verloren oder entwendet gesperrt, wird, ebenso wie bei mangelnder Bonität des Kunden, der Bezahlvorgang abgebrochen und eine entsprechende Meldung an den Zahlungsempfänger 3 ausgelöst. Andernfalls wird das Datenpaket dem Einwahlserver übergeben. Die Daten werden nochmals geprüft und die Bezahlung abgerechnet. Der Bezahlvorgang wird dem Zahlungsempfänger 3 bestätigt, womit der Bezahlvorgang abgeschlossen ist und beispielsweise der Händler die Ware dem Kunden übergeben kann. As can be seen from FIG. 2, an encrypted and signed data packet is then transmitted from customer 2's radio telephone to a special dial-in point on a special dial-in server of the respective mobile radio operator 5. This is connected to a trust center 6 and decrypts the data packet. If the data are recognized as complete and correct, they can be processed and handed over to a clearing house 7, which is connected to a bank server 8 and, according to FIG. 2, checks for possible blocking and creditworthiness. If the certificate card 1 is blocked or lost, the payment process is terminated, as is the case if the customer is not sufficiently creditworthy, and a corresponding message is sent to the payee 3. Otherwise the data packet is transferred to the dial-in server. The data is checked again and the payment is settled. The payment process is confirmed to the payee 3, which completes the payment process and, for example, the dealer can hand over the goods to the customer.

Claims

ZahlungsSystem mittels Funktelefon (2) Patentansprüche: Payment system using a radio telephone (2)
1. Zahlungssystem mittels Funktelefon, das eine Chipkarte 5 bzw. eine Karte für Zahlungsvorgänge (EC- Kredit- oder1. Payment system using a radio telephone that a chip card 5 or a card for payment transactions (EC credit or
Club- Karte) enthält, und das bei einem Mobilfunkbetreiber mit Einwahlserver und Verbindungen zu Anbietern kommerzieller Leistungen (M- Commerce) angemeldet ist, d a d u r c h g e k e n n z e i c h n e t, daßClub card), and which is registered with a mobile operator with a dial-up server and connections to providers of commercial services (M-Commerce), d a d u r c h g e k e n n e e i c h n e t that
10 das Funktelefon (2) des Kunden sowohl eine erste Chipkarte für den Funkbetrieb, als auch eine zweite Zertifikats- Chip- Karte (1) für Zahlungsvorgänge enthält, in welcher persönliche Identifizierungsdaten für ein personalisiertes Zertifikat gespeichert sind und deren10, the customer's radio telephone (2) contains both a first chip card for radio operation and a second certificate chip card (1) for payment transactions, in which personal identification data for a personalized certificate are stored and their
15 Chip über das Funktelefon für eine Verschlüsselungsund Signier- Funktion verwendbar ist, welche bei Zahlungsvorgängen mittels aktueller Daten des Zahlungsempfängers (3) und des Zahlungsvorgangs (4) (Rechnungsnummer, Zahlungsempfänger, Betrag, u. dgl.) aktiviert, 0 vom Funktelefon (2) in der Form eines Datenpakets im15 chip via the radio telephone can be used for an encryption and signing function, which is activated for payment transactions using current data from the payee (3) and the payment process (4) (invoice number, payee, amount, etc.), 0 from the radio telephone (2nd ) in the form of a data packet in
Einrichtungsverkehr an den Einwahlserver des Mobilfunkbetreibers (5) gesendet, von diesem entschlüsselt und mit Hilfe des Trustcenters (6) geprüft und bei korrekter Sachlage an den Anbieter kommerzieller LeistungenFacility traffic sent to the dial-in server of the mobile operator (5), decrypted by it and checked with the help of the trust center (6) and, if the situation is correct, to the provider of commercial services
-5 (M- Commerce) weitergeleitet wird, der den Zahlungsvorgang ausführt und bestätigt.-5 (M-Commerce), which carries out and confirms the payment process.
2. System nach Anspruch 1, dadurch gekennzeichnet, daß das Terminal des Zahlungsempfänger (3) mit einer Infrarot-2. System according to claim 1, characterized in that the terminal of the payment recipient (3) with an infrared
10 bzw. Funktelefonverbindung versehen ist und seine relevanten Daten nach Art einer SMS an das Funktelefon des Kunden (2) überträgt, die dieser nur mit seinen Daten ergänzt . 10 or radio telephone connection is provided and transmits its relevant data in the manner of an SMS to the customer's radio telephone (2), which the customer only supplements with his data.
PCT/DE2003/003915 2002-12-06 2003-11-26 Paying system by radiotelephone WO2004053807A1 (en)

Priority Applications (2)

Application Number Priority Date Filing Date Title
AU2003291951A AU2003291951A1 (en) 2002-12-06 2003-11-26 Paying system by radiotelephone
DE10394129T DE10394129D2 (en) 2002-12-06 2003-11-26 Payment system by means of a radiotelephone

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
DE10258119A DE10258119A1 (en) 2002-12-06 2002-12-06 Payment system via radio telephone
DE10258119.3 2002-12-06

Publications (1)

Publication Number Publication Date
WO2004053807A1 true WO2004053807A1 (en) 2004-06-24

Family

ID=32477587

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/DE2003/003915 WO2004053807A1 (en) 2002-12-06 2003-11-26 Paying system by radiotelephone

Country Status (3)

Country Link
AU (1) AU2003291951A1 (en)
DE (2) DE10258119A1 (en)
WO (1) WO2004053807A1 (en)

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2013127520A1 (en) 2012-02-28 2013-09-06 Giesecke & Devrient Gmbh Authenticated transaction approval
CN108985753A (en) * 2018-07-05 2018-12-11 四川长虹电器股份有限公司 A method of realizing that subway is swiped the card using iPhone

Citations (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
DE10032404A1 (en) * 1999-07-06 2001-02-15 Gsi Ges Fuer Systemtechnik Und Arrangement for utilizing services has reservation point connected to electronic monitoring unit for transferring identification data for determining authorization to use
DE10046781A1 (en) * 2000-09-21 2001-05-03 Fiedler Holger Multi-slot type mobile telephone for on-line banking and financial transactions, has slots into which chip cards of desired network providers are inserted and activated via keyboard
EP1107196A1 (en) * 1998-08-07 2001-06-13 Ali Hassan Al-Khaja A wireless electronic system for performing transactions
US20010023411A1 (en) * 1998-08-27 2001-09-20 Christine Born Method for acquiring electronic data using a data medium, and corresponding data medium
EP1178450A2 (en) * 1994-10-28 2002-02-06 Behruz Vazvan Real time tele-payment system
DE10050298A1 (en) * 2000-09-15 2002-04-04 Amatech Ag Identification, authentication or authorization with personal electronic device involves transmitting data from at least one chip card device to server via personal electronic device(s)
CA2325895A1 (en) * 2000-11-16 2002-05-16 Sagem Sa Process for secure payments

Patent Citations (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP1178450A2 (en) * 1994-10-28 2002-02-06 Behruz Vazvan Real time tele-payment system
EP1107196A1 (en) * 1998-08-07 2001-06-13 Ali Hassan Al-Khaja A wireless electronic system for performing transactions
US20010023411A1 (en) * 1998-08-27 2001-09-20 Christine Born Method for acquiring electronic data using a data medium, and corresponding data medium
DE10032404A1 (en) * 1999-07-06 2001-02-15 Gsi Ges Fuer Systemtechnik Und Arrangement for utilizing services has reservation point connected to electronic monitoring unit for transferring identification data for determining authorization to use
DE10050298A1 (en) * 2000-09-15 2002-04-04 Amatech Ag Identification, authentication or authorization with personal electronic device involves transmitting data from at least one chip card device to server via personal electronic device(s)
DE10046781A1 (en) * 2000-09-21 2001-05-03 Fiedler Holger Multi-slot type mobile telephone for on-line banking and financial transactions, has slots into which chip cards of desired network providers are inserted and activated via keyboard
CA2325895A1 (en) * 2000-11-16 2002-05-16 Sagem Sa Process for secure payments

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2013127520A1 (en) 2012-02-28 2013-09-06 Giesecke & Devrient Gmbh Authenticated transaction approval
CN108985753A (en) * 2018-07-05 2018-12-11 四川长虹电器股份有限公司 A method of realizing that subway is swiped the card using iPhone

Also Published As

Publication number Publication date
AU2003291951A1 (en) 2004-06-30
DE10258119A1 (en) 2004-07-15
DE10394129D2 (en) 2005-10-27

Similar Documents

Publication Publication Date Title
EP1203357B1 (en) Short message service (sms) e-commerce
DE60308385T2 (en) Procedure for supporting cashless payment
EP1240632B1 (en) Payment transaction method and payment transaction system
EP1178444B1 (en) Electronic payment using SMS
DE19903363C2 (en) Method and system for carrying out cashless financial transactions
EP1374011A2 (en) Method for securing a transaction on a computer network
EP1602088A2 (en) Method and system for initiating and/or carrying out a transaction that is associated with at least two professed intentions
WO2005031667A1 (en) Method for carrying out an electronic transaction
DE10213072A1 (en) Method for operating a billing system assigned to a mobile radio network for billing a fee-based use of data and data transmission network
DE10003875A1 (en) Payment execution device for cashless payment and method for executing a cashless payment
WO2013011043A1 (en) Mobile system for financial transactions
EP0957624B1 (en) Method for taking over call charges in individual calls, telephone network and terminal
EP1326216A1 (en) Process and device for electronic payments by means of mobile communication devices
WO2004053807A1 (en) Paying system by radiotelephone
EP1081919B1 (en) Method to give authorization for payments of goods and/or services bought over the Internet in data transmission systems
EP1310928B1 (en) Method for enabling and conducting a payment transaction using a communication network
EP1486088B1 (en) Method for providing and billing wim functionalities in mobile communication terminals
EP1437668B1 (en) Method for conducting a cashless payment of goods or services using a mobile radio terminal
DE102004041356B4 (en) Method and system for the secure processing of electronic financial services using an electronic financial services intermediary
EP1274971A2 (en) Method for securing payment for deliveries and services in open networks
EP1027801B1 (en) Clearing method in a telecommunication system
WO2005008608A1 (en) Payment system, payment system terminal and method for making an electronic payment
DE10210792B4 (en) Process and system for the activation of a chargeable mobile radio or online service
EP1371038B1 (en) Method and device for carrying out at least one commercial transaction in return for payment
DE10331733A1 (en) Terminal e.g. for paying system in electronic transaction, has SIM which aids operation of terminal such as mobile phone with control equipment has in and output equipment to operate terminal

Legal Events

Date Code Title Description
AK Designated states

Kind code of ref document: A1

Designated state(s): AE AG AL AM AT AU AZ BA BB BG BR BY BZ CA CH CN CO CR CU CZ DE DK DM DZ EC EE ES FI GB GD GE GH GM HR HU ID IL IN IS JP KE KG KP KR KZ LC LK LR LS LT LU LV MA MD MG MK MN MW MX MZ NI NO NZ OM PG PH PL PT RO RU SC SD SE SG SK SL SY TJ TM TN TR TT TZ UA UG US UZ VC VN YU ZA ZM ZW

AL Designated countries for regional patents

Kind code of ref document: A1

Designated state(s): BW GH GM KE LS MW MZ SD SL SZ TZ UG ZM ZW AM AZ BY KG KZ MD RU TJ TM AT BE BG CH CY CZ DE DK EE ES FI FR GB GR HU IE IT LU MC NL PT RO SE SI SK TR BF BJ CF CG CI CM GA GN GQ GW ML MR NE SN TD TG

121 Ep: the epo has been informed by wipo that ep was designated in this application
REF Corresponds to

Ref document number: 10394129

Country of ref document: DE

Date of ref document: 20051027

Kind code of ref document: P

WWE Wipo information: entry into national phase

Ref document number: 10394129

Country of ref document: DE

122 Ep: pct application non-entry in european phase
NENP Non-entry into the national phase

Ref country code: JP

WWW Wipo information: withdrawn in national office

Ref document number: JP