CZ301247B6 - Method for carrying out cash-free payments and system for carrying out said method - Google Patents

Abstract

The aim of the present 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 (1) and together with a terminal (1) identifier transmitted to a balancing device (3) where the data are stored temporarily. The payer transmits the point-of-sale terminal (1) identifier to the balancing device (3) via a mobile telephone (2). The balancing device (3) compares the identifier with that of the stored data and transmits the information of the corresponding sum of money to the radiotelephone (2), where confirmation of payment is requested and transmitted to the balancing device (3), which then transmits a corresponding book entry to an account-keeping device. The system for carrying out said method comprises a radiotelephone (2) which is operated in a radiotelephone network, a point-of-sale terminal (1) and a balancing device (3), which can be connected to the radiotelephone (2) and the point-of-sale terminal (1) via telecommunications and/or data links.

Description

Method of making non-cash payments and apparatus for making this method

Technical field 5

The invention relates to a method for making non-cash payments and to an apparatus for making the method.

BACKGROUND OF THE INVENTION

For various reasons, cashless payments have increased considerably 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 be thieves, and they can also buy impulsively when they see the goods. In addition, traders do not need to be risky and therefore expensive to handle cash.

The simplest means of paying this is by check. However, this is not the safest method, as a check may be stolen and used in an unauthorized manner, 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 a signature. The risk of misuse of the payment card is also considerable, its use does not depend on the use of any extra security. In addition to the holder's signature, merchants may contact the card issuer's authorization center to confirm the validity of the card.

Due to the high charges associated with credit cards and the fact that the cardholder must be given a certain amount of credit, “smart cards”, also called smart cards or electronic wallets, have been developed. The data on these cards is encrypted, so it is only possible to "charge" them, ie to save money on them. To pay larger amounts, they 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.

In addition, WO 98/37524 A discloses a method for executing a cashless payment transaction via a sales station, characterized by a sales station identification code of a mobile phone with a SIM card with an identification code for the respective SIM card. Furthermore, a clearing device is foreseen in which both the vendor's sales station and the vendor must be registered

The customer's mobile phone will directly charge the purchase amount from the customer's account to the merchant's account.

Finally, WO 98/34203 A describes the arrangement of a connection between a sales station and a mobile telephone via an interface for wireless data transmission and the transmission of a sales station identification code to a mobile telephone.

It is therefore an object of the present invention to provide a non-cash payment method that is particularly simple, safe and usable in a variety of geographical locations for a customer, and therefore a device for obstructing the method. Among other things, a simple confirmation, such as entering a PIN (Personnel Identification Number), would suffice for the customer 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.

WO-A-98/37524, published Aug. 27, 1998, discloses a method of transaction between a customer and a terminal 2 connected to a telecommunications network, wherein at least one customer IDID terminal identification POSID and transaction-specific data A is transmitted to a financial server

4 connected to a telecommunications network. The terminal ID is read or detected on the terminal and transmitted to the financial server via the telecommunications network. The customer is provided with a SIM card 10 that can be functionally connected to a mobile device. The customer identification is read in the SIM card memory and transferred to the financial server.

SUMMARY OF THE INVENTION

It is an object of the present invention to provide a method of executing a cashless cash transaction using a selling station, characterized by the identification code of the selling station,

A SIM card characterized by a SIM card identification code and a comparison device including transaction memory, a vendor control device for checking the method codes of the trading stations and a subscriber control device for checking the method codes of the SIM cards, the comparison device being connected with a clearing device, the nature of which is to include the following steps:

uploading the amount of money to be paid to the selling station, sending the identification code of the selling station and at least the amount to be paid to the comparator with this identification code after the data connection, checking the authorization of the selling station to operate by the vendor monitoring device, method, if the authorization is missing, otherwise writing data to the transaction memory of the comparison device as an open transaction, establishing the connection from the mobile phone to the comparison device, sending the sales station identification code and the corresponding SIM card identification code from the mobile phone to the comparison device by means of the subscriber monitoring device, if the repair45 is missing, terminating the method, deleting the open transaction from the transaction memory and sending the relevant data to the sales station, otherwise obtaining the identification code of a sales station sent from a mobile phone with those stored as open transactions in the transaction memory, terminating the method if the search was unsuccessful, finding a match to send the transaction data to the mobile phone, using a mobile phone, sending confirmation information to the comparison device,

-2EN 301247 B6 if the confirmatory information constitutes rejection, termination of the transaction and deletion of transaction from transaction memory, otherwise sending transaction data from transaction memory and identification code

The SIM card is cleared to the clearing device and the transaction is deleted from the transaction memory, and if one of the connections cannot be established, this will be communicated before the end of the method to the sales station or mobile phone.

Another object of the present invention is an apparatus for carrying out the above method.

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 point of sale is technically very simple; in the simplest case, an electronic cash register with on-line (real-time connection) payment capabilities is sufficient. Similarly, a computer with a modem and suitable software will serve. Another possible selling station solution is a second mobile phone. Thus, a simple and secure method of payment is always provided.

The selling station and the mobile phone are usually not very spatially remote, but this is not necessary for carrying out the method.

The customer no longer has to enter the amount to pay. Thus, the method of the present invention is more advantageous than the method of WO / 47116 because the price of the goods is now 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.

Another object of the present invention is a second method of conducting a cashless transaction using a sales station, characterized by a sales station identification code, a mobile phone with a SIM card and a card with an appropriate identification code, and a comparison device including transaction memory. method and the control devices of the subscribers for checking the identification codes of the SIM cards authorized to the method, and in the case where the SIM card identification code is not its telephone number, for storing the telephone numbers assigned to the SIM cards, is that it includes the following steps: loading the monetary amount to be paid and the mobile phone SIM card identification code into the sales station, sending a sales station identification code, a mobile phone identification code and at least the amount to be paid to a comparison device with this identification code after a data connection, checking the sales station's authorization against the items in the vendor's checking device, checking the SIM card's authorization subscriber device, so terminating the method if the authorization is missing, otherwise writing data to the transaction memory as an open transaction, if the SIM card identification code is not a phone number, retrieving the phone number from the subscriber control device based on the identification code,

-3GB 301247 B6 Establishing a connection from the comparison device to the mobile phone, Transmit data to the mobile phone Output data from the mobile phone, Request confirmation information using the mobile phone, Send confirmation information to the comparison device, End the method if the confirmation information is refusal, Send confirmation and optionally other 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, and if one of the interconnections cannot be established, .

Another object is an apparatus for carrying out the above method.

Except for the anonymous payment option, the second method has the same benefits as the first method. In addition, 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 associated with the SIM card.

It is a further object of the present invention to provide a third method of executing a cashless trans20 transaction using a sales station characterized by a sales station identification code with a wireless interface, a mobile phone with a SIM card, a SIM card identification code and an interface corresponding to the wireless sale interface. station, and a comparison device that includes transaction memory, vendor monitoring device for checking method identification codes of the trading stations, and subscriber monitoring device for checking method identification cards of the method authorized, wherein the comparison device is associated with a clearing device, the nature of which is that includes the following steps: establishing a connection between a sales station and a mobile phone via a wireless interface and sending an ID about the sales station code to the mobile phone, establishing the connection from the mobile phone to the comparison device, checking the SIM card authorization for the method using the subscriber monitoring device, terminating the method if the authorization is missing, retrieving the amount to be paid, sales station identification code and identification code sending the data to the comparison device, checking the vendor's authorization to the method by means of the vendor monitoring device, terminating the method if not, otherwise sending the sales station and mobile phone identification codes and the amount to the billing device, sending the confirmed amount to the sales station; if one of the connections cannot be established, this shall be communicated before the end of the method to the sales station or mobile phone.

Another object is an apparatus for carrying out the above method.

The term " wireless data transmission interface " in this application also means a corresponding data processing device, i.e., for reading data from and transmitting or receiving data to and from the storage means. This interface can also include special software adapted for a sales station or a mobile phone. 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 allows virtually omnidirectional transmission, which does not require direct visibility between the customer's mobile phone and the sales station. IrDA or Air interfaces are preferred for light waves. 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 takes on

On the one hand, interference is reduced, but on the other hand, space is reduced for handling equipment.

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 the first or second method, 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 is used, it is only necessary to select one of the many stored devices.

In a preferred embodiment of the first method, the point of sale and the mobile phone have an interface for wirelessly transferring data from the point of sale to the mobile phone, wherein the sales code identification code is sent to the cell phone via these wireless interfaces before the mobile connection is established. to the comparison device, and where the identification code stored on the phone can be sent to the comparison device for the duration of the connection.

According to a preferred embodiment of the second method, the mobile phone and the sales station comprise an interface for wireless data transmission, and at the beginning of the method, the identification code to the respective SIM card is sent from the mobile phone via these interfaces to the selling station. the next steps in the sales station used.

In another preferred embodiment of the method, the transaction is aborted if the acknowledgment information is not available within a predetermined time after the information is sent from the sales station to the comparison device.

In a further preferred embodiment of the method, further transaction data is sent along with the store station identification code in the first step.

In a further preferred embodiment of the method, in the last step, the identification code is also sent to the respective SIM card.

In a further preferred embodiment, the wireless interface provides an infrared interface.

In another preferred method, the wireless transmission interface is a microwave interface.

In another preferred method, additional additional information is sent from the point of sale to the comparison device or to the mobile phone.

In another preferred method, if one of the necessary connections cannot be established, the transaction is terminated and, if necessary, the corresponding open transactions in the transaction memory of the comparison device are deleted.

In another preferred method, the identification codes are replaced with corresponding data identifying the accounts before being sent to the clearing device,

In another preferred method, if a connection to a sales station or a mobile phone cannot be established, at least one further attempt is made before the transaction is completed.

In another preferred method, the identification code to the respective SIM card is an identification code stored on the SIM card and identifies it, and sending the identification code to the respective SIM card occurs automatically when data is transferred between the mobile phone and the comparison device.

In another preferred method, the identification code corresponding to the SIM card is its telephone number.

-5GB 301247 B6

In a preferred device, the comparison device comprises a subscriber control device storing the identification code of each mobile phone and an account number assigned to the phone number in the clearing device, where the control device sends the clearing device to the clearing device instead of the mobile phone identification code. Account number corresponding to the identification code

In a further preferred device, the comparison device comprises a vendor control device storing an identification code of each vending station and an account number assigned to the vending station in the clearing device, where the control device sends the clearing device to the clearing device instead of the identification code. sales station account number corresponding to the identification code.

By mobile application in this application is meant a combination of a mobile phone with other electronic devices, such as notebook computers, or generally other terminal devices in a mobile radio network with a mobile phone component. The basic feature of such a device, however, is that it only works with a SIM card which is advantageously protected by a PIN. In general, a SIM card is a system card or Subscriber Identification Module on which the data necessary for establishing a connection from a mobile tele20 phon is stored, in particular details relating to the terminal identification, and which must be inserted into the mobile phone before being 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. In general, 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 comprising fixed, embedded elements with the above-mentioned function of the SIM card; 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 is the relevant SIM card, or is not afraid of identifying, the mobile phone number. In other embodiments, other identification codes may be used to identify the user of the telephone, for example, the mobile network operator identification code and the unique operator domain identification number, e.g., the subscriber's account number with the operator,

Especially in the first and third methods, it is preferable to use only those identification codes which are stored in the SIM card and are automatically sent. In the third embodiment, a confirmation can be sent or a connection established only through a connection to a given SIM card, which considerably increases the security of the transaction. Firstly, because the passwords themselves are very easy to misuse, and secondly, the use of an identification code without a SIM card is, if not impossible, at least very difficult, since the identification data on the SIM card is transmitted either automatically or on demand by the other party. . And falsifying a SIM card and its contents is difficult. When 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 tapped, or only with great difficulty, manipulation of the radio connection can be considered practically impossible.

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

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 phone keypad, by individual keys

-6GB 301247 B6 a different meaning or tone must be assigned. 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 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).

It is also possible to use combinations of confirmatory information with another security query, e.g.

password, PIN, security ID card, biometric test (such as fingerprints, voice or other recognition), or other security device.

The sales station comprises input and output devices and an interface for connection to the comparison device and is identified by an identification code. A pure data link or other suitable type of telecommunications connection may also be used for the data connection with 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 telephone connection, in the simplest case the mobile phone itself is sufficient.

Instead of sending the station identification code, it is advantageous to send only the station name and location 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 connection to the mobile phone fails 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. More specifically, if the goods can be identified by reference and the relevant database, e.g., by product numbers and / or barcodes, the point of sale can send 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 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 prohibition 45 no longer has to enter this data, such as the merchant identification code, 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 mobile phone infrared (IR) interface is designed so that the SIM card identification code can be sent by pressing a button (or a combination of buttons) 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 part of the sales station.

-7EN 301247 B6

In a particularly preferred third method and apparatus adapted for its implementation, 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 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 way, only the SIM card identification code needs to be entered manually.

The comparison device includes interfaces for data connections to the sales stations and for mobile and radio connections, a control device for checking the identification codes of the sales stations and authorized SIM cards for this service, a transaction storage device for storing open transactions, a connection with a clearing device and a control device. supervises all processing steps and manages individual equipment.

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

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

The comparator also includes the vendor and subscriber monitoring devices to check whether the subscriber and vendor are 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, these can be files or databases where additional identification code information can be stored if necessary.

In a preferred embodiment, the SIM card identification code and the account number for the clearing device 30 are stored in the subscriber's memory device. If the SIM card identification number is not its telephone number, it is stored in this memory device together with the identification code. The control device then not sends the SIM card identification number to the billing device based on the information from the subscriber storage device but directly the account number corresponding 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's storage device, the control device then sends not the vendor identification number to the clearing device, but directly the account identification data, in Germany for example the account number and bank code. The same procedure can be used for the storage device of the participants.

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 another preferred embodiment of the first method and apparatus for executing it, the open transaction is kept only for a certain period of time. If no confirmation is received within the specified time, the transaction is canceled and the sales station is notified. Restricting the amount of time that a transaction should take is an additional security feature.

In another preferred embodiment, the mobile network and the comparison device are designed such that the comparison device is able to 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 in the mobile phone, as the comparator will get the SIM phone number

-8GB 301247 B6 detects the card 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 present invention.

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

In addition to the devices described above and their functions, the necessary data or telephone communication network must exist to carry out the method of the invention. In this sense, they can also be considered as components of an apparatus for carrying out the method according to the invention.

The methods of the present invention can be particularly advantageously used to make 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.

BRIEF DESCRIPTION OF THE DRAWINGS

BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a block diagram of a device according to one embodiment of the present invention; FIG. 2 is a block diagram of a sales station according to the device of FIG. 4a and 4b a substantially simplified process diagram according to one embodiment of the first method according to the present invention; figs. 5a and 5b a substantially simplified process diagram according to one embodiment of the second method 35 according to the present invention; invention

DETAILED DESCRIPTION OF THE INVENTION

Fig. 1 is a diagram of a device according to a first embodiment of the present invention. The device comprises 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.

The comparison device 3 may be connected to the mobile phone 2 via a mobile radio link and to the sales station 1 via a data link.

All three devices, i.e. the sales station 1, the comparison device 3 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. In another embodiment, for example, IP addresses may be used instead of telephone numbers.

-9EN 301247 B6

The mobile phone 2 comprises a SIM card for a given telephone network (the concept is well known to those skilled in the art) which must be activated by entering a PIN and an infrared interface for data exchange. Based on the request received after the established telephone connection, the telephone enables to send data received via the IR interface and stored in the internal memory of the telephone. The telephone is authorized to carry out the method according to the invention in the mobile network.

Fig. 2 is a diagram of a sales station i. The sales station 1 comprises an input device 5, for example a keyboard, an output device 4, for example a display device such as a monitor, a wireless interface 6 (preferably infrared) designed to exchange data 10. with a mobile phone, and a data interface 8 for a data connection. The control device 7, which is connected to all other devices, processes the inputs, sends the data to be displayed on the output device, and receives and transmits data via the wireless interface 6 (preferably an infrared interface) based on the inputs from the input device 5 or one of the interfaces. / or data interface 8.

The comparison device 3 in Fig. 3 comprises a data connection interface 9 with a sales station and a U radio interface, a transaction memory 10 for temporarily storing transaction data, a vendor monitoring device in the form of a vendor storage device H. for storing vendor identification codes and corresponding account numbers, a subscriber control 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 control device 13 to the comparison device devices described above. In the simplest case, the comparison device may be a PC or other computer with appropriate telecommunications cards and corresponding software.

The sales station control device 7 and the comparison device control device 13 are adapted to perform the steps of the payment method of the present 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. The individual cooperating device, i.e. the mobile phone 2, the comparator 3 and the sales station 1 each have one table column. The table rows correspond to the time sequence of each step.

In general, the method starts by loading the amount of money to be paid into the trading station I and sending the amount and the identification code to the comparator 3. In the comparator the data is temporarily stored in the transaction memory after checking the identification station of the trading station. The point of sale identification code is further loaded into the mobile phone 2, depending on its design, either before or after the connection with the comparison device 3 is 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 comparison device 3, which transmits the confirmation to the sales station I and sends the data to the clearing device 15 depending on the confirmation information.

More specifically, the description of the method according to this embodiment is as follows:

First, the paid amount and the identification code of the comparator 3 are read using the input device 5 of the sales station 1. Then the paid amount and the identification code of the sales station I are sent as transaction data to the comparison device 3 whose identification code has been entered. The transmission is performed by the control device 7 after establishing a data connection with the comparator 3 for 55 via the data interface 8.

- 10GB 301247 B6

The data is received in the comparator 3 via the data connection interface 9.

After comparing the sales station identification codes i with the sales station identification codes J stored in the vendor memory JJ to verify that the sales station is authorized to provide service, the control device 13 stores the transaction data in the comparison device memory 10 as open transaction data. Before the data is entered into the sales station 1 or at the latest after the connection to the comparator 3 has been established, an identification code, i.e. a telephone number, of the sales station is sent to the mobile phone 2 via the wireless interface 6 of the sales station J. A mobile radio connection is established from the mobile phone 2 to the comparison device 3 and the received sales station identification code i and the mobile phone identification code are sent to the comparison device 3. If for any reason the mobile phone cannot receive the sales station identification code via the IR interface, . The same procedure applies when using a mobile phone without 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 that are stored in the transaction storage device 10. If the transaction is not found, the process ends. 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 J.

After requesting and entering the confirmation information on the keypad of the mobile phone 2, the confirmation data is sent to the comparison device 3, which then sends the confirmation information to the sales station J.

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 transaction transaction data is read from transaction JO, the sales station and mobile phone identification numbers are converted to account numbers based on information from dealers and subscriber memories and now the transaction data, now with account number, device J5. In the last step, the transaction data is deleted from the transaction memory 10.

During the process, the amount of time that an open transaction remains stored is checked

YEAH. If the open transaction processing timeout is exceeded, the sales station J is informed that the transaction has been rejected and the transaction data is deleted from the transaction memory JO.

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

The method essentially begins by loading the monetary amount to be paid, the sales station identification code and the mobile phone SIM card identification code via the wireless interface 6 to the sales station J and sending the amount and the identification codes to the comparison device 3. After checking the sales identification code The station and the SIM card identification code establish a connection based on 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 the acknowledgment information to the comparison device, the acknowledgment information is further sent to the sales station J and the transaction data to the clearing device J5.

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

- 11 GB 301247 B6

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

The data is received in the comparator 3 via the data connection interface 9.

In the comparator 3, the sales station identification code and the SIM card identification code are compared with the identification codes stored in the vendor memory 11 and the subscriber memory 12 to determine whether the sales station and the subscriber are authorized to service. In case of unsuccessful authorization, the relevant data is sent to the sales station j and the transaction is terminated. 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 confirmation data is sent to the comparison device 3.

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

Confirmation information and optionally other transaction information is sent to the sales station 1, the transaction termination being sent as a rejection. Optionally, you can also send a reason to end the trans25 action. Further processing of transaction data is identical to the first method.

The method of payment 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 1 is assigned one column of the table. The table rows correspond to the Time Sequence 30 of each step.

The mobile phone 2 essentially enters the sales station identification code I and the paid amount, establishes a connection with the comparison device 3 and the sales station and SIM card identification codes, and sends the paid amount to the comparison device 3. This sends at least information after checking the identification codes. on the amount paid to the sales station and the relevant transaction data to the clearing facility.

A more detailed procedure for this causes the following:

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 stored in the phone temporarily, is read into the mobile phone from the sales station 1 via the IR interface. 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 with the help of the memory At the dealers and the memory of 12 subscribers it checks whether the sales station 1 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 facility 15.

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

Claims (18)

PATENT CLAIMS A method of executing a cashless transaction by means of a sales station (1) characterized by a sales station identification code, a mobile phone (2) with a SIM card characterized by a SIM card identification code and a comparison device (3) comprising a transaction memory (10) ), a vendor inspection device (11) for inspecting the sales identification codes 10 method-authorized stations and subscriber monitoring devices (12) for checking method-enabled SIM card identification codes, wherein the comparison device (3) is connected to a clearing device (15), comprising the steps of: uploading a monetary amount to be paid to a sales station (1), sending a sales station identification code and at least the amount to be paid to a comparison device (3) with this identification code over a data connection, checking the authorization of the sales station ( 1) the method by means of the vendor monitoring device, terminating the method if the authorization is missing, otherwise writing data to the transaction memory of the comparison device (3) as an open transaction, establishing a connection from the mobile phone (2) to the comparison device (3), 20 sending the station identification code and the corresponding SIM card identification code from the mobile phone (2) to the comparison device (3), checking the SIM card authorization for the method by the subscriber monitoring device, if the authorization is missing, terminating the method, clearing the open transaction from the transaction memory; sending the relevant data to the sales station (1), otherwise comparing the identification code of the sales station sent from the mobile phone (2) to those stored as open transactions in the transaction memory, terminating the method if the search was unsuccessful data to cell phone (2), data output by cell phone (2), requesting confirmation information by cell phone (2), Sending the confirmatory information to the comparison device (3) if the confirmatory information constitutes rejection, termination of the transaction and the deletion of the transaction from the transaction memory, otherwise sending transaction data from the transaction memory and the SIM card identification code to the clearing device (15) and deleting the transaction from the transaction memory, and if one of the connections cannot be established, it will be communicated to the selling station (1) or mobile 35 phone (2). Method according to claim 1, characterized in that the sales station (1) and the mobile phone (2) have an interface (6) for wireless data transmission from the sales station (1) to the mobile phone (2), wherein the sales station identification code is sent to the mobile phone (2) via these wireless transmission interfaces (6) before the mobile connection is established to the comparison device (3), and where the identification code stored in the telephone can be sent to the comparison device (3) the duration of the connection. 3. A method of executing non-cash money transactions by means of a selling station (1) by which 45 is characterized by the identification code of a sales station, a mobile phone (2) with a SIM card and a card with a corresponding identification code and a comparison device (3) comprising a transaction memory (10), a vendor monitoring device (11) for checking and a subscriber monitoring device (12) for checking the SIM card identification codes authorized in the method, and in the event that the SIM card identification code is not its telephone number 50 number, for storing telephone numbers assigned to SIM cards, wherein the comparison device (3) is connected to a billing device (15), characterized in that it comprises the steps of: -13GB 301247 B6 retrieving the monetary amount to be paid and the mobile phone SIM card identification code (2) to the sales station (1), sending the sales station identification code, the mobile phone identification code (2) and at least the amount to be paid to the comparison device (3) with this identification 5 code over the data connection, checking the authorization of the sales station (1) to compare with the items in the vendor's checking device, checking the SIM card's authorization with the subscriber checking device, terminating the method if the authorization is missing, otherwise writing data to the transaction memory as an open transaction if 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 comparator (3) to the mobile phone (2), sending the transaction data to the mobile phone (2) mobile phone data (2), Requesting confirmation information via a mobile phone (2), sending confirmation information to the comparator (3), terminating the method if the confirmation information constitutes a rejection, sending confirmation and optionally other transaction data to the sales station (1), sending transaction data from the transaction memory and mobile phone identification code (2) to 20 of the clearing device (15) and deleting the transaction from the transaction memory, and if one of the connections cannot be established, this is communicated before the method is terminated to the sales station (1) or mobile phone (2). Method according to claim 3, characterized in that the mobile phone (2) and the sales station (1) comprise 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 (2) through these 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). Method according to one of claims 1 to 4, characterized in that the transaction is canceled if the confirmatory information is not available at a predetermined time after sending the information from the sales station (1) to the comparison device (3). 6. A method of executing a cashless transaction by means of a retail station (1) characterized by a retail station identification code, a wireless interface (6), a mobile phone (2) with a SIM card, a SIM card identification code and an interface corresponding to an interface (6) for the wireless transmission of a sales station (1), and a comparison device (3) comprising a transaction memory (10), a monitoring device (11), vendors for checking the identification codes of the authorized trading stations and a monitoring device (12) ) subscribers for checking the identification codes of the SIM cards authorized to the method, wherein the comparison device 40 (3) is connected to a clearing device (15), comprising the steps of: establishing a connection between a sales station (1) and a mobile phone (2) via an interface (6) for wireless transmission and sending a sales station identification code to the mobile phone (2), establishing a connection from the mobile phone (2) to the comparison device (3) 45 checking the authorization of the SIM card to the method by means of the subscriber monitoring device, terminating the method if the authorization is missing, retrieving the amount to be paid, the sales station identification code and the mobile phone identification code (2) and sending the data to the comparison device (3); checking the authorization of the sales station (1) to the method by means of the vendor monitoring device, - 14GB 301247 Bó terminate the method if the authorization is not, otherwise send the sales station and mobile phone identification codes (2) and the amount to the billing device (15), send the confirmed amount to the sales station (1) and do this before ending the method of selling station (1) 5 or mobile phone (2). Method according to claim 6, characterized in that, in a first step, further transaction data is sent together with a sales station identification code. io 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 interface (6) for wireless transmission is an infrared interface. Method according to one of Claims 1 to 8, characterized in that the wireless transmission interface (6) is a microwave interface. Method according to one of the claims 1 to 10, characterized in that additional supplementary information is sent from the sales station (1) to the comparison device (3) or to the mobile phone (2). 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 25 transactions in the transaction memory (10) of the comparator (3) are deleted. 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 identifying the accounts. Method according to one of Claims 1 to 13, characterized in that if it is not possible to establish a connection with the sales station (1) or the mobile phone (2), at least one further attempt is made before the transaction is completed. Method according to one of Claims 1 to 15, characterized in that the identification code associated with the SIM card is an identification code stored on the SIM card and identifies it, and the sending of the identification code to the respective SIM card takes place automatically when data is transferred between a mobile phone (2) and a comparator (3). Method according to one of Claims 1 to 16, characterized in that the identification code of the respective SIM card is its telephone number. A device for carrying out the method according to claim 1, characterized in that it comprises: a sales station (1) characterized by a sales station identification code; A mobile phone (2) with a SIM card and an identification code which characterizes the SIM card and a comparison device (3) comprising a transaction memory (10), a vendor control device (11) for checking the identification codes of the authorized sales stations and a control device (12) subscribers for checking the identification codes of the SIM cards authorized for the method, wherein the comparison device (3) is connected to a clearing device (15), wherein the sales station (1) comprises an input device and an output device (4, 5) and 8) for establishing a connection to a mobile phone (2), wherein the comparison device (3) further comprises an interface (9) for data connection to the sales stations (1), an interface (14) for mobile radio links and control devices (13) which After establishing the connection and sending the transaction data from the sales station (1) (1) to the method by means of the vendor monitoring device (11) and if the authorization is missing, terminates the method, otherwise writes the transaction data sent to the transaction memory (10), after establishing the connection from the mobile phone (2) 5 authorization of the SIM card to the method by the subscriber monitoring device (12) and if the authorization is missing, terminates the method, otherwise compares the identification code with the entries in the transaction memory and sends the transaction data found to the mobile phone (2) via the mobile radio interface (14) and at the same time send a request for their confirmation, receive the acknowledgment data via the mobile radio interface (14), evaluate it as accept or reject, send the confirmation information to the sales station (1) and, if accepted, sends the transaction data and mobile phone identification code (2) to the clearing device (15). 18. An apparatus for carrying out the method according to claim 3, comprising: 15 a sales station (1) characterized by a sales station identification code, a mobile phone (2) with a SIM card and an identification code that characterizes a SIM card and a comparison device (3) comprising a transaction memory (10), a control device (11) vendors for checking the identification codes of the sales stations authorized for the method and the monitoring device (12) of the subscribers for checking the identification codes of the SIM cards authorized for the method and, if 20, the identification number is not a telephone number for storing telephone numbers, the comparison device (3) being connected to a clearing device (15), wherein the sales 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 (3) further comprising an interface (9) for data connection to the sales stations (1), an interface (14) for mobile radio connections 25 and a control device (13) which, after establishing a connection and sending transaction data from the sales station (1), checks the authorization of the sales station (1) to the method by means of the vendor monitoring device (11) and If the authorization is missing, the method terminates, otherwise it writes the sent transaction data to the transaction memory via the mobile radio connection interface (14) and establishes a connection that matches the identification code 30 for the mobile phone (2) contained in the transaction data, sends the transaction data to the mobile phone (2) and at the same time sends a confirmation request, receives the confirmation data via the mobile radio interface (14), evaluates it as accept or reject; if accepted, sends confirmation information to the sales station (1) via the interface and sends the transaction data and mobile phone identification code (2) to the clearing device 35 (15). 19. An apparatus for carrying out the method according to claim 6, comprising: a sales station (1) characterized by a sales station identification code with a wireless interface (6), 40 a mobile phone (2) with a SIM card and an identification code that characterizes the SIM card and an interface corresponding to the wireless transmission interface (6) of the sales station (1) and a comparison device (3) comprising a transaction memory (10), a vendor monitoring device (11) for checking the identification codes of the sales stations (1) authorized for the method, and an inspection device (12) of the subscribers for checking the identification codes of the SIM cards authorized for the method, wherein the comparison device (3) is connected to the clearing device wherein the vending station (1) comprises an input device and an output device (4, 5) and a device (8) for establishing a connection with the comparator (3), the comparator device (3) further comprising an interface (9) for data connection with the vendor stations (1), interfaces (14) for mobile radio links and control devices (13) which, after establishing The mobile telephone (2) receives the mobile phone identification code (2), the amount to be paid and the sales station identification code (1), checks the authorization of the sales station (1) to the method using the vendor monitoring device and using the subscriber control device and, if the authorization is missing, terminates the method, otherwise sends the amount via the interface to the sales station (1) - 16GB 301247 B6 and sends the amount, the mobile phone identification code (2) and the sales station identification code (1) to the clearing device (15) and erases the corresponding transaction from the transaction memory. Device according to one of claims 18 and 19, 20, characterized in that the comparison device (3) comprises a subscriber monitoring device (12) in which the identification code of each mobile telephone (2) and the account number which is a telephone number are stored. A number is assigned to the clearing device (15), whereby the control device, based on information from the subscriber monitoring device, sends to the clearing device (15) instead of the mobile phone identification code (2) an account number corresponding to the identification code. io Device according to 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 (1) and the account number which is the sales station (1) are stored. 1) assigned in a clearing device (15), whereby the control device, based on information from the vendor monitoring device, sends an account number corresponding to the identification code to the clearing device (15) instead of the sales station identification code.