CZ20012663A3 - Method for carrying out cash-free payments and system for carrying out said method - Google Patents

Abstract

The aim of the invention is to provide a method for simple yet secure cash-free payments, notably in different places, as well as a system for carrying out said method. According to the invention, a sum of money is read in at a point-of-sale terminal and together with a terminal identifier transmitted to a balancing device where the data are stored temporarily. The payer transmits the point-of-sale terminal identifier to the balancing device via a mobile telephone. The balancing device compares the identifier with that of the stored data and transmits the corresponding sum of money to the radio telephone, where confirmation of payment is requested and transmitted to the balancing device, which then transmits a corresponding book entry to an account-keeping device. The system for carrying out said method comprises a radio telephone which is operated in a radio telephone network, a point-of-sale terminal and a balancing device which can be connected to the radio telephone and the point-of-sale terminal via telecommunications and/or data links.

Description

Technical field

The invention relates to a method for making non-cash payments and to a system for implementing this method.

BACKGROUND OF THE INVENTION [0002] For various reasons, cashless payments have greatly expanded over the past few years. Buyers do not have to carry large amounts of money with them, yet they can buy in bulk, they do not have to worry about thieves, and they can also buy impulsively when they see goods. In addition, traders do not need to be risky and therefore expensive to handle cash.

The simplest means of payment of this kind is by check. However, this is not the safest method because the check can be stolen and used in an unauthorized way, for example, after the signature has been falsified. In addition, the use of a check is inconvenient for both the customer and the merchant.

Other non-cash means of payment include, for example, credit cards. The holder of a valid credit card can pay with the credit card number, possibly in combination with the o '25 signature. The risk of misuse of the payment card is also considerable, the use of which does not depend on the use of any extra security. In addition to the holder's signature, merchants can contact the card issuer's authorization center to confirm the validity of the card.

Due to the high charges associated with credit cards and also because the cardholder must be given a certain amount of credit, smart cards, also called smart cards or electronic cards, have been developed. ·· · ·! í · · · · · í! · ·····;

. .. DE-471O® · .. ·, wallets. The data on these cards is encrypted, so it is only possible to charge them, that is to save money on them. For payment of larger parts are also provided with a personal identification number (PIN), which is checked against the data stored directly in the card. However, such a method of payment requires costly initial investment to build a network of charging stations and equip merchants with appropriate reading devices.

Patent application WO 98/47116 describes a method of making a customer's payment to a merchant by means of telecommunication devices and devices for carrying out the method. In the method, the customer first establishes a mobile radio connection to a telephone payment device using a mobile phone. In the next step after the established connection, the device determines the merchant identification code and the amount to be paid. The telephone payment device stores the transaction data in memory and sends a request for payment confirmation to both the customer and the merchant after establishing the appropriate communication link and sending the transaction code of a particular transaction. Upon receipt of the confirmation, the amount is transferred from the customer's bank (specified by the customer during the transaction and stored in the device's memory) to the bank designated by the merchant's entry, or a payment order is transferred to the first bank. For security, the geographic location of a mobile phone is determined, either by determining the cell from which the phone is calling, or by GPS. The specified location is compared with the list of allowed places. The method described is technically complex to determine the location, and moreover, the customer has to communicate a lot of information over the phone, which is laborious due to the small keys and the display and can be easily made. Furthermore, other transaction-related data, such as the purpose of payment, etc., cannot be easily entered.

It is therefore an object of the present invention to provide a non-cash payment method which is particularly simple for the customer,

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DE-4 * 71po ·· * safe and usable in different geographical locations, and a system for implementing this method. On the customer's side, a simple confirmation, such as entering a PIN (Personnel Identification Number), should suffice to complete the transaction.

The method should do without the need to enter long character strings and should be completed in a minimum number of steps on the customer side. In addition, the method according to the invention should be satisfied with minimal infrastructure (hardware and software) on the side of both the seller and the buyer: optimally, it should be possible to make use of the existing outlets of the points of sale.

SUMMARY OF THE INVENTION

The object of the invention is achieved by a method with the features of claim 1 that can be realized by the apparatus with the features of claim 18.

Unlike credit cards, the merchant cannot use or misuse the obtained data for later transactions, since the required mobile connection is of limited duration and requires a verification code.

You can use a comparison device to pay, so the merchant will never know the data related to customer safety. The method can also be used for anonymous transactions.

Buyers who own a mobile phone with a SIM (Subscriber Identification Module) card can perform the method of the invention very easily and inexpensively. A particular advantage of the method according to the invention is the fact that mobile phones with SIM cards are already widespread, so that the majority of potential customers can pay directly by the method according to the invention without the need for further investment or the need to remember a new PIN.

The sales station is technically very simple, in the simplest case, an electronic cash register is sufficient • 9 · ·· I · k

8 ** Better online (real-time bank connection) payment capabilities. Similarly, a computer with a modem and suitable software will serve. Another possible selling station solution is a second mobile phone. However, a simple and secure payment method is always provided.

The sales station and the mobile phone are usually not very remote in space, but this is not necessary to implement the method.

The customer no longer has to enter the amount to be paid by himself. Thus, the method according to the invention is more advantageous than the method according to WO / 47116, since the price of the goods is automatically determined at the electronic cash register either from a tag, bar code or other identification means by means of a reader which is connected to the cash register. It is therefore not necessary to obtain information about the price of goods twice.

The object of the invention is further achieved by a method and an apparatus for implementing the method with the features of claims 3 and 19.

Except for the anonymous payment option, the second method has the same advantages as the first method; moreover, it offers minimization of data entry by the customer since it is called in this way.

Unlike the first method, however, the merchant learns the identification code for the SIM card.

The object of the invention is further achieved by a method and an apparatus for implementing a method with the features of claims 6 and 20.

The term wireless data transmission interface in this application also means the corresponding data processing equipment, ie for reading data from and storing data or for receiving and writing data to storage devices.

D0_47bpo ···. This interface can also include special software adapted for a sales station or a mobile phone. The wireless transmission can be carried out on any carrier, for example light in the infrared or visible part of the spectrum, micro- or radio waves or even ultrasound. If microwaves or radio waves are used, Bluetooth is the preferred interface. This will allow virtually omnidirectional transmission without the need for direct visibility between the customer's mobile phone and the sales station. For light waves the preferred interfaces are IrDA or Air. Transmission in the infrared part of the spectrum is possible only at a certain spatial angle around the line of the receiver and transmitter. This reduces interference on one side, but reduces the handling space on the other.

As in the first method, the merchant does not know the customer's personal data and the customer does not have to enter data already entered by the merchant.

In both the first and second methods, it may be necessary to read the comparison device identification code in the first step. However, the comparator device identification code can be pre-stored, so that in the case where the comparator device needs to be used, it can only be contacted based on the stored identification code, or if more than one comparator device can be used, it is only necessary to select one of the many stored devices.

Preferred embodiments of the method and apparatus for implementing the method are described in dependent claims 2, 4, 5, 717 and 21 and 22.

A mobile phone in this application also means a combination of a mobile phone with another electronic device, for example a portable computer, or generally another terminal

DE-47Tpo * mobile radio network equipment with mobile phone capabilities. However, the basic feature of such a device is that it only works with a SIM card which is preferably PIN-protected. In general, a SIM card is a system card or Subscriber Identification Module that stores the data needed to establish a connection from a mobile phone, specifically the terminal identification details, and which must be inserted into the mobile phone before it is the phone can be used to operate on the corresponding mobile network. The mobile network can advantageously work with the GSM standard, but other standards can also be used which allow the transmission of encrypted data and the protection of access to the mobile phone by means of data on the SIM card, preferably by means of a PIN. Generally, for the purposes of this application, a mobile phone with a SIM card having a unique identification code can be considered a mobile radio terminal device which includes a built-in element with the capability of a SIM card, i. that it has the ability to store the data needed to establish a mobile connection, i.e., the terminal identification data.

In the simplest case, the identification code for the respective SIM card, or identifying it, is the mobile phone number. In other embodiments, other identification codes may be used to identify the user of the phone, for example, the mobile network operator identification code and the unique identifier in the operator domain, e.g., the subscriber's account number with the operator.

Especially in the first and third methods it is advantageous to use only those identification codes which are stored in the SIM card and can be sent automatically. In the third embodiment, a confirmation or connection can be sent only after the connection to the given SIM card, which considerably increases the security of the transaction. Firstly, because passwords themselves are very easy to misuse, and secondly, because the use of the identification code itself without a SIM card is, if not impossible, at least very difficult, because the identification The SIM card is transmitted either automatically or upon request by the other party. And falsifying a SIM card and its contents is difficult. Using a mobile phone with a SIM card, only the SIM card holder can confirm payment from the account associated with the SIM card. Another security feature is a PIN that protects your SIM card. Usually, you need to enter your PIN each time you sign in to your mobile network.

Since the mobile radio connection cannot be difficult only, manipulation can be considered practically impossible.

fe / dpU q x uc-πα v o u f by radio link

The data to be communicated to the customer may be transmitted by voice output or in the form of graphic symbols or text that may appear on the display of the mobile phone. The comparator shall be able to transmit data to mobile understandable forms.

some phone users

Data, especially confirmation, can be entered into the mobile phone by voice, then the comparison device must be equipped with voice recognition, or from the keypad of the phone, each key must be assigned a different meaning or tone. The information can therefore be entered as multi-frequency tones (touch tones) or as a text message (SMS).

Information display and data input can be controlled via the 30 - menu menus. However, both the comparison device and the mobile phone must be equipped. For graphical menus it is possible to use WAP (Wireless Application Protocol) or HTT or XC protocol (but the connection is not established to the Internet).

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It is also possible to use combinations of confirmatory information with another security request, such as for a password, PIN, security ID card, biometric test (e.g., fingerprints, voice or other recognition) or other security device.

The sales station comprises input and output devices and an interface for connection to the comparator and is identified by an identification code. A pure data link or other suitable type of telecommunications connection may be used for the data connection to the comparator. The data connection type then corresponds to the interface. The selling station can be any station with the ability to establish a mobile phone connection, in the simplest case the mobile phone itself is sufficient.

Instead of sending the station identification code, in the preferred embodiment, only the station name and location can be sent to the mobile phone. The name and location of the sales station are obtained from the identification code and the table stored in the comparison device.

In the first and second methods, the connection between the point of sale and the comparison device may be permanent or established after the corresponding information has been entered. It is assumed that this step is part of the step of first sending data from the sales station to the comparison device. In the second method, the connection between the comparison device and the sales station is canceled after sending the confirmation information. Similarly, this activity is part of the step of sending data to the sales station.

If the mobile phone connection cannot be established on the first or second attempt, the transaction cannot be made. In this case, a suitable code is sent to the sales station and processed into a corresponding message.

In a preferred embodiment of the first or second method, the sales station can easily send additional information to the comparison device, e.g., the reason for the transaction. More specifically, if the goods can be identified by reference and the relevant database, e.g. by serial numbers and / or barcodes, the point of sale can transmit this data together with the price to be paid to a comparison device which will forward the data to the customer. In the method of WO / 9847116, this is not possible since it starts from a mobile phone.

In a preferred embodiment of the first and second methods and their corresponding devices, the mobile phone and the sales stations have interfaces through which they can exchange identification codes by wireless transmission. Instead of manually entering the identification code, the identification code can be sent automatically via the interface. In the first method, the sales station can send not only the identification code but also other supporting information about the transaction via the interface to the mobile phone, so that the customer no longer has to enter this data, such as the merchant identification code, the amount, etc. manually.

The interfaces for wireless data transmission may be similar to the third method, except that the data processing is appropriately adapted.

The infrared (IR) interface of the mobile phone is designed so that the SIM card identification code can be sent by pressing a button (or key combination) on the phone. Furthermore, it is possible to read, store and send the identification code of the sales station, for example together with the identification code of the SIM card, via an established telephone connection. The corresponding memory and functions are preferably included in the sales station.

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In a particularly preferred third method and apparatus for implementing it, the sales station and the mobile phone are designed to send a sales station identification code and other information, in particular a monetary amount, from the sales station to the mobile phone over a wireless connection, preferably an infrared connection. and temporarily save them on your phone. The mobile phone is further designed to transmit the stored data over an established mobile connection. In the third method, you only need to enter the SIM card identification code manually.

The comparator includes interfaces for data connections to vending stations and for mobile radio links, control devices for checking the identification codes of vending stations and authorized SIM cards for this service, a transaction storage device for storing open transactions, connections to a clearing device, and control devices that oversee to all processing steps and control individual devices.

Also, the comparison device has its own identification code, in the simplest case a telephone number or an IP address.

The interfaces are devices through which connections can be established and operated to the respective subscribers. Depending on the network used, these may be simple analog modems, and digital interfaces of course use digital interfaces.

The comparator also includes vendor and subscriber inspection devices to check whether the subscriber and vendor is authorized to do so. For example, the monitoring device may be a storage device in which at least the identification codes of the SIM cards and the sales stations authorized for the service are stored. In the simplest case, it may be files or databases in which additional information related to the identification codes may be stored if necessary.

In a preferred embodiment, the SIM card identification code and the account number for the clearing device are stored in the subscriber storage device. If the SIM card's identification number is not its phone number, it is stored in this memory device along with the identification code. Based on the information from the subscriber storage device to the clearing device, the control device then sends not the SIM card identification number but directly the account number that corresponds to the identification code.

Similarly, the sales station identification code and the sales station account number may be stored in the vendor storage device for the clearing device. Based on the information from the vendor storage device to the clearing device, the control device then sends not the vendor identification number but directly the account identification data, in Germany for example the account number and bank code. The same procedure can be used for subscriber storage devices,

In a preferred embodiment, the clearing device may be part of a comparison device, thereby achieving rapid processing of transaction data with little possibility of interference.

For example, the transaction data may be a monetary amount and a vendor identification code, in the second and third ways also a subscriber identification code.

In a further preferred embodiment of the first method and the apparatus for implementing it, the open transaction is kept only for a certain period of time. If no confirmation is received within the specified time, the transaction will be canceled and the sales station will be notified about it? _2 · * · * »· ···? 71 Her® * · * realizes. Restricting the amount of time that a transaction should take is another security feature.

In a further preferred embodiment, the mobile network and the comparison device are designed so that the comparison device can determine the SIM card telephone number of the calling mobile phone. The phone number is used as the SIM card identification code. In such cases, it is not necessary to enter the SIM card identification code on the mobile phone, as the comparison device will detect the SIM card telephone number itself. This also ensures that in the first and third ways only the SIM card holder can confirm the transaction.

The comparison device is preferably designed to allow manual intervention by the operator in case of errors in the method of the invention.

The vending stations and comparison devices are preferably designed to perform several of the various methods of the invention.

In addition to the devices described above and their functions, the necessary data and telephone communication network must exist for the implementation of the method according to the invention. In this sense, they can also be considered as elements of the apparatus for implementing the method according to the invention.

The methods of the invention can be particularly advantageously used for making payments over the Internet, since spatial proximity between the mobile phone and the vending device is not a necessary condition - or possibly a computer that is connected to the Internet can be considered part of the vending station.

Overview of pictures

Embodiments of the invention will be further described with reference to the accompanying drawings, in which:

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Fig. 1 is a block diagram of an apparatus according to an embodiment of the invention;

Fig. 2 is a block diagram of the sales station of Fig. 1;

Fig. 3 is a block diagram of the comparator of Fig. 1;

Figures 4a and 4b show a considerably simplified process according to one embodiment of the first method of the invention;

Figures 5a and 5b show a considerably simplified process according to one embodiment of the second method of the invention;

Figures 6a and 6b show a considerably simplified process according to one embodiment of the third method of the invention.

DETAILED DESCRIPTION OF THE INVENTION

Fig. 1 is a diagram of a device according to a first embodiment of the invention. The device consists of a mobile phone 2 with a SIM card and an infrared (IR) interface, a sales station 11 with an IR interface and a comparison device 3. The mobile phone identification code can be sent to the sales station after an IR connection between the respective IR interfaces.

Comparison 2 devices ^can be connected to a mobile phone 2 via a mobile radio connection and 1-selling station via a data connection.

All three devices, i.e. the sales station 1, the comparison device 2 ^{and the} mobile phone 2, more specifically its SIM card, are assigned an identification code. In the exemplary embodiment shown, the identification codes are the telephone numbers of the sales station, the comparison device, and the mobile phone.

phone. In another embodiment, for example, IP addresses may be used instead of telephone numbers.

The mobile phone 2 comprises a SIM card for the telephone network 5 (the concept is well known to those skilled in the art), which must be activated by entering the PIN, and an infrared interface for data exchange. The phone allows you to send data on the basis of a request received after an established phone call

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received via IR and stored in the internal memory 10 of the phone. The phone is authorized to carry out the method ο Λ7ΤΊ7ΤΊ 6 v in the mobile network

Fig. 2 is a diagram of a sales station 1. The sales station 1 comprises an input device 5, e.g. a keyboard, an output device thereof, e.g. a display or monitor, an infrared interface 6 designed to exchange data with a mobile phone, and a data interface 13 for data connection. The control device, which is connected to all other devices, processes the inputs, sends the data to be displayed on the output device 4, and receives and transmits data via the IR interface 6 and / or data interface based on inputs from the input device 5 or one of the interfaces.

The comparator 2 ⁱⁿ Fig. 3 comprises a data connection interface 9 with a sales station and a mobile radio interface 14, a transaction memory 10 for temporarily storing transaction data, a vendor monitoring device in the form of a vendor storage device 11 for storing vendor identification codes and corresponding numbers accounts, a subscriber monitoring device in the form of a subscriber storage device 12 for storing subscriber identification codes and corresponding account numbers, a connection to the clearing device 15, and a data processing and exchange control device with the comparison device devices described above. In the simplest case, the comparison device may be a PC device or another computer with appropriate telecommunications cards and corresponding software.

The sales station control device 7 and the comparison device control device 13 5 are adapted to perform the steps of the payment method of the invention. The control device also differs depending on the method selected.

The method of payment according to the first method is shown in tabular form in FIGS. 4a and 4b. Individual collaborators;

The mobile comparator 3 and the sales station 1 each have one column of the table. The table rows correspond to the time sequence of each step.

In general, the method starts by loading the monetary amount to be paid to the sales station 11 and sending the amount and the identification code to the comparison device 3. In the comparison device, after checking the sales station identification code, the data is temporarily stored in the transaction memory. The point of sale identification code is further loaded into the mobile phone 2, depending on its design, either before or after the connection to the comparator has been established. Together with the SIM card identification code, the point of sale identification code is sent from the mobile phone to the comparison device. The SIM identification code is checked on the comparison device. The next step in the comparison device compares the identification code received from the mobile phone with the identification code stored in the temporary memory. If it agrees, the amount to be paid is determined and sent to the mobile phone 2 where it is displayed or otherwise communicated to the customer. The payment confirmation is sent and the confirmation information is sent from the mobile phone back to the comparator 3, which transmits the confirmation to the sales station J1 and sends data to the clearing device 15 in accordance with the confirmation information.

• · · · · · · ·

A more detailed description of the following:

of the method of this embodiment is

First, the paid amount and the identification code of the comparator 3 are read out by means of the input station 5 of the sales station. Then, the paid amount and the identification code

Draining station 1 nCrown transaction data to tnmn *. - »_ ^T ~“ - - a comparator 3 whose identification code has been entered. Transmission is performed by the control device 1 after establishing a data connection to the comparator 3 via the data interface S. Data will come to the comparator 3 via the data interface 9.

In the comparator 3, the identification code of the sales station I is first compared with the identification codes stored in the vendor memory 11 for whether the sales station is authorized to provide the service. After a successful test, the control device 13 stores the transaction data in the comparison device memory 10 as open transaction data. Before inserting the data into the merchant station 1 or no later when the link to the comparing device 2 ^to a mobile phone via infrared 2 6 1 selling station sends an identification code, ie. The phone number of the merchant station. A mobile radio connection is established from the mobile phone 2 to the comparison device 3 and the received sales station identification code 1 and the mobile phone identification code are sent to the comparison device 3. If the mobile phone cannot receive the sales station identification code via the IR interface for any reason. enter via the keys. The same procedure applies if the mobile phone does not have an IR interface.

The trading station identification code sent from the mobile phone 2 in the comparison device 3 is compared with the trading station identification codes of the open transactions stored in the transaction storage device 10. If the transaction is not found, the process is terminated. Otherwise, the transaction data is sent via the mobile interface to the mobile phone where it is displayed. Next, the mobile phone identification code is compared with the subscriber identification codes stored in the memory 12 to determine whether the subscriber is authorized to service. If the authorization is not detected, the transaction is terminated and appropriate information is sent to the sales station 2.

After requesting and entering the confirmation information on the mobile phone keypad 2, the confirmation data is sent to the comparator 3, which then sends the confirmation information to the sales station L

In the control device 13 of the comparison device 3, it is checked whether the acknowledgment data corresponds to rejection or not. In the first case the transaction is terminated, in the second the transaction data is read from the transaction memory 10, the identification numbers of the sales station and the mobile phone are converted into account numbers based on the information from the store and subscriber memories. In the last step, the transaction data is deleted from the transaction memory 10.

During the process, the time that the open transaction is stored in memory 10 is checked. If the open transaction processing timeout is exceeded, information is sent to the sales station 1 that the transaction has been rejected and the transaction data is deleted from the transaction memory.

10.

The course of the payment method according to an embodiment of the second method is shown in tabular form in FIGS. 5a and 5b. Each of the cooperating devices, i.e. the mobile phone 2, the comparator 3 and the sales station 2 each has one column of the table. The table rows correspond to the time sequence of each step.

Generally, the method starts by loading the monetary amount to be paid 5, the retail station identification code and the mobile phone SIM card identification code via IR interface 6 to the retail station 1 and sending the amount and the identification codes to the comparison device 3. After checking the retail station identification code and identification code

The SIM card is established on the basis of the SIM card identification code from the comparison device 3 to the mobile phone 2, after which the data displayed in the mobile phone is sent. After entering and sending confirmation information to the comparator, the confirmation information to the sales station and transaction data to the clearing device are further sent

15 Dec

A more detailed description of the method according to this embodiment is as follows:

The paid amount, the comparison device identification code 3 and the mobile phone identification code 2 are read into the sales station 1. After the data connection to the comparison device 3 has been established, the paid amount, the sales station identification code 1, is sent as transaction data to the comparison device 3. ^ and the mobile phone identification code.

In the comparator 3, the data of the merchant station and the SIM card code are compared with the identification codes stored in the vendor memory 11 and the subscriber memory 12 for whether the vendor station and the subscriber are given authorized to serve. In case of unsuccessful authorization, the relevant data will be sent to the sales station 1 and

Ě) E * - <4 * 71pe · «· ♦ transaction ends. After a successful test, the transaction data is stored in the transaction memory 10. Based on the SIM card identification code, a connection is established between the comparator 3 and the mobile phone 2, after which the transaction data is sent to the phone where it is displayed. If the connection fails, the transaction is terminated.

Confirmation information is requested via the mobile phone 2 and the entered acknowledgment data is sent to the comparator

3.

If the acknowledgment corresponds to a refusal, or if there is no response at all, the transaction is terminated.

The acknowledgment information and optionally other transaction information is sent to the merchant &apos; s transaction termination station is sent as a rejection. Optionally, you can also send a reason to end the transaction. Further processing of transaction data is identical to the first method.

The process of the payment method according to the embodiment of the third method is shown in tabular form in FIG. 6. Each column of the cooperating device, i.e. the mobile phone 2, the comparator 3 and the sales station J1 has one column each. The table rows correspond to the time sequence of each step.

Generally, the mobile station 2 enters the sales station identification code 1 and the paid amount, establishes a connection to the comparison device 3 and the sales station and SIM card identification codes and sends the paid amount to the comparison device 2. information about the amount paid to the sales station and the related transaction data for the clearing device.

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A more detailed procedure according to this method is as follows:

The diagrams in Figures 1 to 3 show suitable devices for carrying out this method, but the control devices 7 and 13 operate in a slightly different manner in this method. First, the identification code of the sales station, which is temporarily stored in the phone, is read from the sales station J1 before the IR interface into the mobile phone. The connection to the comparator 3 is then established from the mobile phone 2.

Next, the paid amount is read into the mobile phone 2 and the identification codes of the sales station and the SIM card are sent to the comparison device. The comparator 3 checks, with the help of the vendor memory 11 and the subscriber memory 12, whether the sales station 2 and the SIM card are authorized to service. If the authorization is unsuccessful, the transaction is terminated, otherwise account numbers are determined from the sales station and SIM card identification numbers and information from the vendor and subscriber memories. The amount paid and the account numbers shall be forwarded to the clearing device

15 Dec

The confirmed monetary amount is then sent to the sales station 1.

Claims (21)

PATENT CLAIMS A method of making a cashless transaction by means of a sales station (1) characterized by a 5 identification code of a sales station, a mobile phone (2) with a SIM card characterized by a SIM card identification code, and a comparison device (3) including transaction memory (10). ), a vendor monitoring device (11) for checking the identification codes of the trading station authorized 10 for the method and a subscriber monitoring device (12) for checking the identification codes of the SIM cards authorized for the method, the comparison device being associated with the clearing device (15) that includes the steps of: uploading the amount to be paid to the sales station 15; sending the identification code of the sales station and at least the amount to be paid to the comparison device with that identification code after the data connection; checking the authorization of the selling station to the method by means of 20 vendor monitoring equipment; terminating the method if the authority is missing, otherwise writing data to the transaction memory of the comparison device as an open transaction; establishing a connection from the mobile phone to the comparator 25; sending the store station identification code and the corresponding SIM card identification code from the mobile phone to the comparison device; checking the authorization of the SIM card to the method by 30 subscriber monitoring devices; if the authorization is missing, terminating the method, deleting the open transaction from the transaction memory and sending the relevant data to the sales station; otherwise, comparing the sales station ID sent from your mobile phone to 35 which are stored as open transactions in the transaction memory; terminating the method if the search was unsuccessful in finding a match to send the transaction data to the mobile phone; data output by mobile phone; 5 requesting confirmation information by mobile phone; sending confirmatory information to the comparator; if the confirmatory information constitutes a refusal, termination of the process and deletion of the transaction from the transaction memory, 10 otherwise sending the transaction data from the transaction memory and the SIM card identification code to the clearing device and deleting the transaction from the transaction memory. Method according to claim 1, characterized in that the sales The 15 stations (1) and the mobile phone (2) have an interface (6) for wireless data transfer from the sales station to the mobile phone, wherein the sales station identification code is sent to the mobile phone via these wireless interfaces before the mobile is set up link to comparison 20, and wherein the identification code stored in the phone can be sent to the comparison device for the duration of the connection. 3. A method of executing non-cash money transactions by means of a selling station (1) which it characterizes 25 an identification code of a sales station, a mobile phone (2) with a SIM card and a card of the respective identification code and a comparison device (3) comprising a transaction memory (10), a vendor control device (11) for checking 30 and a subscriber monitoring device (12) for checking the SIM card identification codes authorized for the method and, if the SIM card identification code is not its telephone number, for storing the phone numbers assigned to the SIM cards, the comparison device is connected to the billing device (15); 35 comprising the steps of: 9 ·· · · · · Loading the amount to be paid and the mobile phone SIM card identification code into the sales station; sending the store station identification code, the mobile phone identification code and at least the amount to be paid to the comparison device with the identification code after the data connection; checking the authorization of the merchant station to compare with the items in the vendor monitoring device; terminating the method if the permissions are missing, otherwise writing data to the transaction memory as an open transaction; in the case where the SIM card identification code is not a telephone number, retrieving the telephone number from the subscriber monitoring device based on the identification code; establishing a connection from the comparison device to the mobile phone; sending transaction data to a mobile phone; data output in the mobile phone; requesting confirmation information via a mobile phone; sending confirmatory information to the comparator; termination of the method if the confirmatory information constitutes a refusal; sending confirmation and optional additional transaction data to the sales station; sending the transaction data from the transaction memory and the mobile phone identification code to the clearing device and deleting the transaction from the transaction memory. • Φ • · ^ Λβρ. Method according to claim 3, characterized in that the mobile phone (2) and the sales station (1) have an interface (6) for wireless data transmission and at the beginning of the method the identification code is sent to the respective SIM card from the mobile phone (3) via 5 interfaces to the sales station (1), where it is stored so that it can be used in the next steps in the sales station (1). It is clear that the transaction is interrupted if the transaction is not confirmatory. 10 information is available at a predetermined time after the information is sent from the sales station to the comparison device. 6. A method of executing non-cash money transactions by means of a selling station (1) which it characterizes 15 a sales station identification code, with a wireless data connection interface, a mobile phone (2) with a SIM card, a card with a corresponding identification code, and an interface corresponding to the wireless connection interface of a sales station, and a comparison device (3) comprising 20 transaction memory (10), vendor control device (11) for checking method codes of sales stations authorized for method, subscriber control device (12) for checking method identification codes of SIM cards authorized for method, comparison device associated with clearing device 25 comprising a device (15) comprising the steps of; establishing a connection between the sales station (1) and the mobile phone (2) via a wireless data connection interface and sending a sales station identification code to the mobile phone; 30 establishing a connection from a mobile phone to a comparison device; checking the authorization of the SIM card to the method by means of a subscriber monitoring device; terminating the method if the permission is missing; 4 · • 4 4 »· ·· retrieving the amount to be paid, the sales station identification code and the mobile phone identification code and sending this data to the comparison device; checking the authorization of the sales station to the method by means of the vendor monitoring device; terminating the method if the authorization is not, otherwise sending the sales station and mobile phone identification codes and the amount to the clearing device, sending the confirmed amount to the sales station. 7. The method _of claim 6 wherein the identification code of the merchant station send more data transaction. with the first In * ''? ->. * 1 t 1 opux step Method according to claim 6 or 7, characterized in that in the last step the identification code is also sent to the respective SIM card. Method according to one of claims 1 to 8, characterized in that the wireless interface is an infrared interface. Method according to one of claims 1 to 8, characterized in that the wireless interface is a microwave interface. Method according to one of Claims 1 to 10, characterized in that additional information is sent to the comparator or to the mobile phone from the sales station. Method according to one of claims 1 to 11, characterized in that if one of the necessary connections cannot be established, the transaction is terminated and, if necessary, the corresponding open transactions in the transaction memory (10) of the comparator (3) are deleted. . fe fefe • fe D & ^J 4 72. Mon. Method according to one of claims 1 to 12, characterized in that, before being sent to the clearing device (15), the identification codes are replaced by corresponding data which identifies the accounts. Method according to one of Claims 1 to 13, characterized in that if it is not possible to establish a connection to the sales station (1) or to the mobile phone (2), at least one further attempt is made before the transaction is completed. Method according to one of Claims 1 to 14, characterized in that if one of the connections cannot be established, this is communicated to the sales station (1) or the mobile phone (2) before the method is terminated. Method according to one of claims 1 to 15, characterized in that the identification code of the respective SIM card is an identification code which is stored on the SIM card and identifies it, and sending the identification code of the respective SIM card. 20 The SIM card is automatically transferred when data is transferred between the mobile phone (2) and the comparison device (3). Method according to one of claims 1 to 16, characterized in that the identification code of the respective SIM card is its 25 phone number. 18. An apparatus for carrying out the method of claim 1, comprising: a selling station (1), characterized by a 30 selling station identification code; a mobile phone (2) with a SIM card and an identification code that characterizes the SIM card; and a comparison device (3) comprising a transaction memory (10), a vendor inspection device (11) for inspection 35 station identification codes authorized to use • 0 * 00 • · ´ * Ϊ i .i. ·,. · W‘Ulpo 00 «» «« 0 'and a subscriber monitoring device (12) for checking the identification codes of the SIM cards authorized to the method, the comparison device being associated with the clearing device (15); where 5 a sales station (1) comprising an input device and an output device (4, 5) and a device (8) for establishing a connection to a mobile phone (2), the comparison device (3) further comprising an interface (9) for data connection to the sales stations; interface (14) for mobile radio and control A device (13) which, after establishing a connection and sending transaction data from the sales station, checks the sales station's authority to the method by the vendor monitoring device (11) and terminates the method if it is missing, otherwise writes the sent transaction data to the transaction memory; after 15 establishing the connection from the mobile phone (2) and receiving the SIM card identification code, checks the SIM card's authorization for the method by means of the subscriber monitoring device (12) and terminates the method if the authorization is missing; 20 if it finds a transaction with the same SIM card identification code (sales station), sends the transaction data found to the mobile phone via the mobile radio interface and at the same time sends a confirmation request, receives the confirmation data via the mobile radio interface, 25 evaluates them as acceptance or rejection, sends confirmation information to the sales station and, if accepted, sends transaction data and mobile phone identification code to the clearing device. An apparatus for implementing the method of claim 3, comprising: a sales station (1) characterized by a sales station identification code; mobile phone (2) with SIM card and ID 35 a code that characterizes the SIM card; and • ·· W-47-Lpo Comparison Device (3), which includes a transaction memory (10), a vendor inspection device (11) for checking the method codes of the authorized trading stations, and a subscriber inspection device (12) for inspection 5 identification codes of the SIM cards authorized to the method and, if the identification code is not a telephone number, for storing telephone numbers, the comparison device is connected to the clearing device (15); wherein the vending station (1) comprises an input device and 10 output devices (4, 5) and a device (8) for establishing a connection to the comparison device (3), the comparison device (3) further comprising an interface (9) for data connection to the sales stations , an interface (14) for mobile radio links and a control device (13) which, after the connection has been established and sent 15 transaction data from the sales station checks the authorization of the sales station to the method by means of the vendor monitoring device (11) and the SIM card authorization to the method by means of the subscriber monitoring device (11) and terminates the method if otherwise 20, establishes a connection via the mobile radio interface which corresponds to the mobile phone identification code contained in the transaction data, sends the transaction data to the mobile phone and at the same time sends a confirmation request, receives acknowledgment data via the mobile interface If it accepts, it sends a confirmation information to the sales station via the interface and sends the transaction data and the mobile phone identification code to the clearing device. An apparatus for implementing the method of claim 6, comprising: a sales station (1) characterized by a sales station identification code with a wireless data transmission interface; • ♦ · · « Aρο and an identification interface which a mobile phone (2) with a SIM card code that characterizes the SIM card and corresponds to a wireless interface of a sales station; and a comparison device (3) comprising a transaction memory (10), a vendor monitoring device (11) for checking the identification codes of the trading stations authorized for the method, and a subscriber monitoring device (12) for checking the identification codes of the SIM cards authorized for the method, is connected to the clearing device (15); 10 wherein the vending station (1) comprises an input device and an output device (4, 5) and a device (8) for establishing a connection to the comparator (3), the comparator device (3) further comprising an interface (9) for data connection to the vendor 15 stations, an interface (14) for mobile radio links and a control device (13) which, after establishing a connection from the mobile phone (2), receives the mobile phone identification code, the amount to be paid and the sales station identification code; Checks the sales station 's authority to use the 20 vendor control device and SIM card method authorization by subscriber control device and terminates if the authorization is missing, otherwise sends the amount via the vendor interface and sends the amount, mobile phone identification code and vendor identification code 25 and clears the corresponding transaction from the transaction memory. ·· * * ft 4 • 44 4 4 «44 44 44 43 4 4 • 4 « 4 4 4 4 4 4 443 4 * • ·· 4 * «4 Τϊ £ -4.Ίί1ρο Device according to one of claims 18 to 20, characterized in that the comparison device (3) comprises a subscriber monitoring device (12) in which the identification code of each mobile telephone and the account number assigned to the telephone number in the clearing device are stored. wherein the control device sends the account number corresponding to the identification code to the clearing device instead of the mobile phone identification code based on the information from the subscriber monitoring device. Device according to any one of claims 18 to 20, characterized in that the comparison device (3) comprises a vendor monitoring device (11) in which the identification code of each sales station and the account number assigned to the sales station in the clearing device are stored. wherein the control device sends the account number corresponding to the identification code to the clearing device instead of the sales station identification code based on information from the vendor monitoring device.