CH682700A5 - Automatic order or delivery confirmation method - using credit card office to transfer order received from source to order point so that PIN number not disclosed - Google Patents

Abstract

The order or delivery confirmation method involves using transmission of a credit card identification code, together with a corresponding PIN number to the credit card central office (K), at which the validity of the source (G) is verified, before the order is transferred via a telephone link to the order point (N). A telephone confirmation is obtained between the order point and the source, before the order is dispatched. Pref. the subscriber station (1-3) at the order source (G) has an integrated printer providing a print-out of the order for written confirmation. ADVANTAGE - Prevents PIN code being freely accessible.

Description

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description

The invention relates to a method for automatically verifying and confirming orders, in particular by telephone. Orders with the help of a telephone network, in which a client, a contractor and an identification center are locally separated, each with a subscriber station, in which method the client is in possession of an identification code given by the identification center on an identification means, which is used to verify the order to the Identification center is transmitted and checked by this.

State of the art

The spread of credit cards is accompanied by growth figures in double-digit percentages. In addition to the well-known and valued services of the credit card institutes, both from the customer and the contractor side (credit check, inexpensive credit, cashless payment), these cards take on a whole new dimension in connection with the chip cards developed in recent times. Such cards have a semiconductor memory or even an integrated processor (smart card). As a result, such cards offer greater security than the conventional magnetic stripe cards. In particular, such chip cards can also be used to implement functions. Open up areas of application that were closed to simple magnetic stripe cards. The tax card for public payphones is an example.

A system is known from US Pat. No. 4,439,636 in which a cardholder can make telephone calls from a local public telephone booth based on the machine-readable credit card. A local network processor checks whether the card can be accepted. If this test is positive, the card number is transmitted to a central processor for checking for invalidity. The essential point with this system is that a fully computerized network can automatically check whether a certain user is authorized to use the network (e.g. remote network). In general, however, very few contractors are automated to this high degree. For example, the order of hotel rooms, theater tickets and the like continues to be made via a personal call. The system known from US 4,439,636 is not suitable for such cases.

Security is a fundamental problem in cashless payments, especially when using credit cards. In any case, it is important to avoid unauthorized users paying bills or using services at the expense of the rightful owner. In the conventional use of credit cards, this is satisfied by the fact that the client has to sign each order by hand. The prerequisite for this is of course that the card user must provide the signature in front of the contractor. can. However, if hotel rooms are to be reserved by phone or theater tickets are to be ordered, then these security requirements cannot be met if, for example only the card number is communicated orally.

Presentation of the invention

The invention now seeks to remedy this. The task to be solved is therefore that in a method of the type mentioned at the beginning, both contractor and client are in possession of an automatically (mechanically) verified confirmation or. Acknowledgment of the agreed order will come. At the same time, security against unauthorized acts should be increased.

According to the invention, the solution is that the transmission of the identification code to the identification center is effected directly from the customer's subscriber station, with simultaneous transmission of a PIN code (PIN = Personal Identification Nürnberg

The essential point of the invention is that the credit check at the identification center (e.g. credit card institute) is not triggered by the contractor (seller) but by the client (buyer). According to the invention, security is ensured by the additional transmission of a PIN code, which is never accessible to the contractor.

The client preferably transmits the identification code stored on his identification means together with the agreed order data via the telephone network in machine-readable form to the identification means center, hereinafter referred to as IMZ. The IMZ in turn checks the creditworthiness of the client based on the identification code, e.g. with regard to the order data (loan amount) and, if the result is positive, also automatically sends the contractor a machine-readable confirmation of the order data. The transmission takes place over the public telephone network. The various telephone lines from the client to the IMZ and from this to the contractor are advantageously set up fully automatically (computer-controlled). From a security point of view, there is a triangular relationship at the center of which is the recognized authority of the IMZ. Known encryption techniques can be used to prevent fingering a call from the IMZ. As a rule, it should also be advisable to use suitable encryption methods to ensure that the PIN code never goes in plain text on the public telephone line. Otherwise the secret PIN code could be made known by listening to the telephone line.

The identification code can be read by the identification means by a reading device and transmitted to the IMZ via the subscriber station. As Iden5

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a credit card is preferably used. In principle, a conventional magnetic stripe card is sufficient. However, a multifunction card is preferably used which, in addition to the magnetic strip, contains a memory and / or processor chip (memory card or smart card). From the customer's perspective, it is of course advantageous if he can use a large number of services with a single card. If the subscriber station used by the contractor is a public automatic telephone or a radio telephone installed in an airplane or train, then the telephone call itself is preferably also debited via the card.

According to an advantageous variant of the invention, the receipt which is intended for the client is stored in the form of coded and verified order data in the memory of the chip card. A hotel reservation agreed by telephone and confirmed in accordance with the invention can e.g. can be used in a simple manner in that the stored order data are read from the chip card by an in-house computer and compared with the internal ones. If necessary, the computer can also automatically process personal data such as Read the name and home address from the chip card and print them out automatically on a later invoice. If the card user is in possession of a suitable device for reading and printing job data stored on the chip card, then he can e.g. Have a monthly printout of the orders and orders made.

In addition or as an alternative to saving, the verified order data can be printed out as a receipt in plain text on a printer connected to the customer's subscriber station.

According to a particularly preferred embodiment, the client transmits his own telephone number together with the order data to the IMZ, which in turn transmits the telephone number together with the verified order data to the contractor, so that the latter can finally call the client automatically for the purpose of transmitting the receipt. In this way, a kind of “ring call” is carried out: the client who initiates the whole process is also the last link in the chain and therefore has control over the execution of the order confirmation. If he is in possession of the receipt, then he is certain that the client has also registered the order.

According to a typical application of the invention, a voice connection is first established between the client and the contractor for the purpose of agreeing the order data, via which the order data is also transmitted from the client in machine-readable form to the contractor's subscriber station and is displayed there on a screen in plain text. Before the client thus carries out the verification or

If the order is confirmed via IMZ, he can check the order data again. A memory is also preferably provided, in which the displayed data are stored at the same time. In principle, a push of a button (acknowledgment button) is then sufficient to initiate verification at the IMZ. The only thing the user then has to do is enter their PIN code. Preferably, pressing the acknowledgment button immediately and temporarily confirms the order via the existing connection between the client and the contractor. This provisional order resp. Reservations can be buffered by the contractor's computer until verification is carried out by the IMZ. It can happen that the ring ring is delayed for a long time (e.g. half an hour) in the case of heavily loaded external lines and the contractor now accidentally makes a double reservation. When carrying out such a provisional order or Reservation, the client preferably transmits his identification code to the contractor.

In a simplified procedure, which can be used in particular if the contractor is satisfied with a lower level of security, the order data is immediately transmitted by the client to the contractor in machine-readable form after a successful credit check at IMZ via the voice connection established between the contractor and the client and displayed there on a screen and / or printed out on a printer. The credit check is e.g. triggered in a conventional manner by the contractor based on the transmitted identification code. The main point of this procedure is that the contractor has a receipt at the end of the phone call. The order data is preferably initially displayed on the screen at the client, so that the client can acknowledge the order data to the contractor by pressing a (e.g. specific) acknowledgment button. The acknowledged job data are advantageously printed out on a printer connected to the client's subscriber station.

An acoustic coupler is preferably used to transmit the machine-coded data. On the receiving side, these signals are decoupled with a suitable filter and decoded.

According to a particularly preferred embodiment of the invention, a radio telephone is equipped with an integrated printer for printing out data transmitted to the subscriber station (radio telephone) in order to carry out the described method. Otherwise, the radio telephone has a keyboard, a display unit, a microphone and an earpiece. It is also advantageous if the radio telephone is equipped with an integrated card reader for reading data stored on the identification means. When using a chip card, the radio tele

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fon an integrated writing unit for storing data on the chip card.

Further embodiments of the invention result from the following description and the dependent patent claims.

Brief description of the drawings

The invention is to be explained in more detail below on the basis of exemplary embodiments and in connection with the drawings. Show it:

1 shows a schematic representation of a system for carrying out the method according to the invention; and

2 shows a block diagram of a subscriber station equipped according to the invention.

Ways of Carrying Out the Invention

The invention aims at an extended application of the credit card for orders placed by telephone. If e.g. about ordering flight tickets, booking a hotel room or ordering a product by mail order, it is usually the case that the customer (client) calls the travel agency (in the case of a flight ticket) and inquires when the flights depart, in which flights there is still space and how much it costs. The seller (contractor) then compiles the order data (flight number, departure time, seat category, costs, etc.) corresponding to the wishes of the customer and communicates them to the customer. If the latter agrees, the seller makes the booking, usually requiring information about the customer's person. The entire booking is based on trust, i.e. the seller must trust that the caller is actually taking the order. If the seller wants a little more security, he asks for the customer's credit card number. However, he can only have the creditworthiness checked by the credit card company. This does not make the order binding.

Despite these security-related deficiencies, the credit card is becoming increasingly important when ordering. The invention now creates a possibility of automatically verifying and confirming orders. With the invention, it is even possible to place a binding order. make a payment by phone. The schematic representation shown in FIG. 1 is intended to explain the method according to the invention. Three parties are involved in the whole process, namely the client G, the contractor N and the credit card company K. All three are integrated into a telephone network, each with a subscriber station 1.1 to 1.3. At least the two subscriber stations 1.2 and 1.3 of the contractor, respectively. The client is equipped with a microphone and a hearing capsule for the transmission of voice signals. It is thus possible to set up a voice connection 4 between these two subscriber stations 1.2 and 1.3 in a conventional manner (telephone call). As is the case with modern companies, the contractor has connected a personal computer 3 (PC) to his subscriber station, which e.g. transmit or transmit data in machine-coded form over the telephone network via a modem. can receive on this.

According to a particularly preferred embodiment, subscriber station 1.3 is a radio telephone according to the invention (cf. FIG. 2). Of course, it can also be a permanently installed device (e.g. public telephone booth), which is preferably equipped with a device for reading a credit card.

The credit card institute K (identification center, IMZ for short) has a large computer 2 which can automatically establish data connections via subscriber station 1.1. The mainframe computer 2 essentially contains the personal data of the credit card holder (customer number, address, credit rating, credit limit, secret code etc.). Subscriber station 1.1 of the credit card institute K and mainframe computer 2 are designed in a conventional manner so that calls can be automatically recorded and answered in machine-coded form. This means that contractors who are equipped with a suitable device can have a credit card (identification means) scanned online.

Fig. 2 shows a preferred embodiment of the subscriber station 1.3 of the client G. It is a radio telephone with a telephone part 8, with which speech connections can be established and telephone calls can be made in a known manner. The telephone part 8 is thus equipped at least with a numeric keyboard and a handset with a mouthpiece (microphone) and earpiece. In the case of a handheld device (hand held), this is a one-piece device which, in addition to the hearing and speaking shell. Keyboard also contains the modules described below.

A printer 11, a screen 12 (e.g. LCD display), an (alphanumeric) keyboard 13 and a card reader 14 are connected to a control module 10. The digital signals of the control module 10 are coupled into the telephone channel with a modem 9. In the present case, the telephone channel is a radio channel which can be accessed with a modulator 16 and an antenna 17. Both the telephone part 8 and the modem 9 are bidirectionally connected to the modulator 16.

The individual components that are used to carry out the method described below are all known per se. The establishment of the credit card institute (subscriber station 1.1 and large computer 2) is also designed in a conventional manner. This also applies to the contractor side (subscriber station 1.2 and personal computer 3). In contrast, the interaction of the various individual components based on the present invention and the combination of devices shown in FIG. 2 are new.

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According to the invention, namely, all of the functional blocks shown schematically in FIG. 2 are integrated in a compact housing, in particular this means that a small printer 11 (e.g. a thermal printer) is integrated in the hand-held device, with which job data can be printed out. There is also a screen 12 which can display not only the telephone number but also other data, in particular the order data. The card reader 14 can preferably read a chip card 15. Optionally, he can also write data to very specific memory areas of the chip card that are declared accessible to him.

The keyboard 13, which can of course be combined with the numerical keyboard of the telephone part 8 shown separately in FIG. 2, has an acknowledgment key 18 with which e.g. Data displayed on the screen 12 can be acknowledged. The keyboard 13, of course, need not be a fully trained alphanumeric keyboard. It is quite sufficient if it has a few specific function keys with which e.g. Method steps according to the invention can be initiated (started) or completed (acknowledged).

The method according to the invention is now explained below using a practical, real-life example.

The client (e.g. a manager) sits in the vehicle (city express train or his own car) and is a user of a radio telephone. He is currently on the route between two major cities and calls a hotel at the place of arrival (contractor) to make a reservation request for a hotel room. Via voice connection 4, he inquires about available rooms, their price and location. The contractor N provides the desired information and the relevant order data (price, date, number of overnight stays etc.) are agreed.

If necessary, the customer G transmits the personal data stored on his credit card (chip card 15) in machine-coded form to the contractor N via the voice line 4. This data transmission is e.g. caused by a special button on the radio telephone. Since the contractor has connected his personal computer to subscriber station 1.2, the transmitted data can be automatically stored in the corresponding file (reservation file).

In the event that the hotel requests a legally binding statement to secure the reservation request and does not agree to the creditworthiness check of the client's credit card by dedicated line between the hotel and credit card institute K, the verification and confirmation according to the invention described below is carried out.

After the client and the contractor have agreed on the relevant order data, the contractor transmits the above-mentioned data in machine-coded form to the client G. The existing voice connection 4 is used. In the contractor's radio telephone, this data is displayed on the screen 12 and, if it has been found correct by the client G, is confirmed by means of an acknowledgment key and thereby temporarily stored in a memory of the radio telephone. Then both parties hang up, i.e. speech connection 4 is terminated.

The customer then calls the credit card institute K (telephone connection 5). All that is required is to press a corresponding special key which, on the part of the client G, results in the setting of the corresponding telephone number, the transmission of an identification code and the display of a request on the screen 12. In response to the request to the customer ("Please enter PIN code"), the customer enters his PIN code (four or six-digit number sequence) on the keyboard 13. The PIN code is now encrypted using a special method and also transmitted to the credit card institute K in machine-coded form.

The card-specific data is checked there (mainframe 2). If the result of the test is positive, the subscriber station 1.3 is requested to transmit the order data with a corresponding signal. (If the test result is negative, the user is informed accordingly on the screen 12.) As soon as the credit card institute K has received the order data, the creditworthiness of the customer is checked with regard to this order data. If it is given, the telephone connection 5 can be broken off. However, it is preferable to be informed in advance about the positive creditworthiness test.

Next, the bank N calls the contractor N automatically. For this purpose, the order data include e.g. also the telephone number of the contractor N. The verified order data are transmitted in machine-coded form via the corresponding telephone connection 6, which in principle connects the mainframe computer 2 to the personal computer 3 via subscriber stations 1.1 and 1.2. The provisionally saved reservation request is thus confirmed. The confirmation can be regarded as equivalent to a signature, since on the one hand the client G has authenticated himself to the credit card institute K by means of the PIN and the contractor himself has been called by the credit card institute. In order to recognize calls directed to the contractor with which the credit card institute K is to be faked as such, the credit card institute K can generate and transmit specific codes. Under certain circumstances, a suitable authentication procedure can also be carried out between the contractor and the credit card institute.

After the verified order confirmation has been received by the contractor, i.e. Not only is the creditworthiness of the card given, which the contractor could have clarified in direct communication with the credit card institute itself, but also the acknowledgment via the PIN code, which could not be passed on to the contractor in the context of future confidentiality, but exclusively in direct Communication with the provider of the secret number (ie the credit card institute

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K) could be used, the contractor (e.g. the hotel) in turn computerizes the contractor. The corresponding radio telephone number was e.g. data stored in the hotel during the first conversation. Alternatively, this number could be transmitted together with the order data from the customer G to the contractor N via credit card institute K.

The order confirmation transmitted to the client G in machine-coded form via the newly established telephone connection 7 is preferably printed out on the printer 11 of the radio telephone. Alternatively or additionally, the corresponding information can also be stored in the memory of the chip card 15. In any case, it must be ensured that the client receives a message about the successful completion of the confirmation process (e.g. on screen 12). Finally, the telephone connection 7 is also cleared.

One advantage of storing the order on the chip card 15 is that when it arrives at the hotel, the check-in can be carried out very quickly and with little effort. It is then sufficient to insert the card into an appropriate reader of the contractor and, if necessary, to read the specific order data together with personal data of the card holder (address, name etc.) into the personal computer 3. It is therefore not necessary to fill out forms by hand or to type data into the computer. At the end of the hotel stay, the hotelier can give the customer a complete invoice or Have the receipt printed out.

The sequence just described can be varied in various partial aspects without leaving the concept of the invention.

For example, the data exchange on the telephone line 5 between the customer G and the credit card institute K can take place in a completely different way. The subscriber station 1.3 can e.g. transmit all data (order data, identification number, encrypted PIN code, phone number of the client etc.) in a single data packet. The computer 2 carries out all the necessary tests and, if the result is positive, transmits a suitable success signal. If the result is negative, e.g. a second attempt will be allowed. It is e.g. it is quite possible that the client made a typing error when entering the PIN code. On the other hand, too many retry attempts should not be allowed to make it impossible or at least considerably more difficult for an unauthorized user to crack the code according to the trial and error principle.

It is also conceivable to carry out the confirmation of the order by the credit institution itself via telephone connection 5. In this case, the later telephone connection 7 could of course be omitted.

Alternatively, a separate printer or fax could also forward the confirmation in writing from the contractor N to the client G (telephone connection 7), stating a confirmation number.

If the client calls from his personal subscriber station and not from a public one, the transmission of his telephone number to the credit card institute K is of course not absolutely necessary. This number can e.g. stored in the mainframe 2 itself (e.g. when issuing the credit card). If, with the confirmation of the order data by the credit card institute K, the phone number of the cardholder stored in an authenticated manner is forwarded to the contractor N, then it is not possible to fake a confirmation by the credit card institute K. The order would then not be sent to the fraudster, but to the owner of subscriber station 1.3. This would of course be noticed immediately if he received confirmation of an order that he never gave.

A simplified procedure for confirming an order is described below. As in the first example, the contract partners (contractors and donors) discuss the caller's order request. After clarification and acceptance of the order by the contractor and clarification of the payment method by credit card, the contractor asks the caller to transmit the credit card number. The client has usually inserted the credit card used in the card reader 14 and thus read the transmitted data. By pressing a button, he starts the coded transmission to the contractor. After receiving and displaying the transmitted data, the contractor triggers the credit check at the credit card institute K in a conventional manner. Together with the confirmation from the credit card institute, the receipt will be sent to the contractor e.g. printed out on a printer and sent in parallel to the customer in coded form and also printed out there as an order confirmation.

The method can be carried out exclusively in the wired network as well as using a radio connection (radio telephone). In the wired case, an additional device is inserted into an existing main connection, which has a magnetic card resp. Contains chip card or preferably multifunction card reader, an LCD display, evaluation electronics and a small printer. Instead of the additional device, an integrated speech and data exchange device can of course also be provided. This is particularly advantageous for a radio telephone. It is then a one-piece device that contains all the functional blocks shown schematically in FIG. 2. In terms of device, in particular the integrated printer 11 is new on such a device. The same applies to the screen 12 insofar as it can display not only telephone numbers but also general data.

Another variant for the radio telephone is that it is essentially designed in the manner of a portable computer (laptop or notebook). This means that a small portable computer that has a keyboard, a memory, a screen and a control module anyway

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has, on the one hand with a modulator 16 and an antenna 17 and on the other hand additionally provided with a telephone part 8. The integration of all these functions in a “one-piece” device presents no technical difficulties.

The additional functions according to the invention can of course also be provided with a separate mobile device in the form of an acoustic transmitter device for both the wired and the mobile telephone user. This device is preferably battery operated and couples its signals e.g. via the microphone (mouthpiece).

An important advantage of the invention over known systems for verifying identity via telephone or data lines is that an existing institution (credit card) can be used and that a separate identification card does not have to be created. It is therefore possible that contractors who are not connected to one another in business terms can receive orders by telephone, which can subsequently be verified and confirmed in a binding form. With regard to a wide range of applications for credit cards, it is preferably designed as a multi-function card (magnetic stripe and chip card). In this way it is e.g. It is possible that not only the order is confirmed, but that the telephone charges incurred are paid at the same time. Taking this into consideration, it makes sense that the means of identification does not necessarily have to be a credit card. It can also be another means of identification that is issued by a recognized center (e.g. driving license).

The use of the credit card as a means of payment according to the invention offers great advantages for both the client and the contractor. On the client's side there are:

- Immediate

- Order confirmation use of the card value-added services (insurance etc.)

- Interest advantage due to delayed debiting of the bank account

- Low hardware expenditure compared to high transmission security.

The contractor in turn benefits in the following ways:

- Immediate credit check even while the order is being accepted

- Immediate invoice amount credit when the order is executed

- Low hardware expenditure for existing POS terminals

- High data transmission security

- Minimize payment defaults

- No additional order confirmation. Finally, the credit card company benefits due to the higher degree of use of the card, the correspondingly higher sales and the additional sales argument.

The advantages for the service provider are:

- Exclusive offer to participants

- Higher fee income

- Added value offer

- Hardware turnover (subscriber terminal, POS terminal, radio telephone add-on).

Finally, the network operator (PTT) benefits from the simultaneous use of several lines due to the higher fee income.

Claims (17)

Claims 1. Procedure for the automatic verification and confirmation of orders placed in particular by telephone or Orders with the help of a telephone network, in which a client (G), a contractor (N) and an identification center (K) are locally separated with one subscriber station (1.1 to 1.3), in which procedure the client (G) owns a is from the identification center (K) on an identification means (15) identification code, which is transmitted to verify the order to the identification center (K) and checked by it, characterized in that the transmission of the identification code to the identification center (K) directly from the subscriber station (1.3) of the client (G) is effected while simultaneously transmitting a PIN code. 2. The method according to claim 1, characterized in that the client (G) transmits the identification code stored on its identification means (15) together with agreed order data via the telephone network (5) in machine-coded form to the identification means center (K), the identification means center (K ) checks the creditworthiness of the client (G) on the basis of the identification code and the PIN code and, if the result is positive, automatically transmits a confirmation of the order data to the contractor (N) in machine-coded form (6). 3. The method according to claim 1 or 2, characterized in that the contractor (N) automatically receives a confirmation of the order (7) after receiving the confirmation from the identification center for the customer (G). 4. The method according to any one of claims 1-3, characterized in that the identification code to be transmitted is read by the identification means (15) by a reading device (14) and transmitted (5) to the identification center (K) via the subscriber station (1.3). 5. The method according to any one of claims 1-4, characterized in that a credit card is used as identification means (15). 6. The method according to any one of claims 1-5, characterized in that a chip card, in particular a multi-function card, is used as identification means and that coded and verified order data are stored on the identification means (15) as a receipt for the client (G) . 7. The method according to any one of claims 1-6, characterized in that the order data verified as a receipt are printed in plain text on a printer (11) connected to the subscriber station (1.3) of the client (G). 5 10th 15 20th 25th 30th 35 40 45 50 55 60 65 7 13 CH 682 700 A5 14 8. The method according to any one of claims 1-7, characterized in that the client (G) together with the order data transmits his own telephone number to the identification center, which transmits the telephone number together with the verified order data to the contractor (N), so that the latter, in turn, can automatically call the client (G) to transmit the receipt. 9. The method according to any one of claims 1-8, characterized in that an additional voice connection (14) is established between the client (G) and the contractor (N) for the purpose of agreeing the order data and that the order data from Client (G) is transmitted in machine-coded form to the subscriber's station (1.3) and displayed there on a screen (12). 10. The method according to claim 9, characterized in that the client (G) confirms the order data by actuating an acknowledgment button (18) provided on its subscriber station (1.3) to the contractor (N). 11. The method according to claim 9 or 10, characterized in that the client transmits his identification code from the contractor (N) to the client (G) before transmitting the order data. 12. Procedure for the automatic verification and confirmation of orders placed by telephone in particular. Orders with the help of a telephone network (4, 5, 6, 7), in which a client (G), a contractor (N) and an identification center (K) are integrated, each separately, with a subscriber station (1.1 to 1.3), in which The client (G) is in possession of an identification code issued by the identification center (K) on an identification means (15), which is transmitted to the identification center (K) for verification of the order and is checked by the latter, characterized in that via the between Client (G) and contractor (N) established voice connection (4) immediately transmits the order data after successful credit check by the identification center (K) in machine-coded form from the contractor (N) to the client (G) and displayed there on a screen (12) and / or a printer (11) can be printed out. 13. The method according to claim 12, characterized in that the order data are first displayed on a screen (12), then the client (G) acknowledges the order data to the contractor (N) by pressing an acknowledgment key (18), the order data on a printer (11) connected to the subscriber station (1.3) of the client (G) can be printed out. 14. The method according to any one of claims 1-13, characterized in that an acoustic coupler is used to transmit machine-coded data. 15. radio telephone with a keyboard (13) and a display unit (12) for use as a subscriber station in a method according to any one of claims 1-14, characterized by an integrated printer (11) for printing out data transmitted to the subscriber station (1.3). 16. A radio telephone according to claim 15, characterized by an integrated card reader (14) for reading data stored on the identification means (15). 17. Radio telephone according to claim 15 or 16, characterized by an integrated writing unit for storing data on the identification means (15). 5 10th 15 20th 25th 30th 35 40 45 50 55 60 65 8th