DE10012921A1 - Payment method for Internet transaction uses pre-payment telephone card debited by goods or service provider - Google Patents

Payment method for Internet transaction uses pre-payment telephone card debited by goods or service provider

Info

Publication number
DE10012921A1
DE10012921A1 DE2000112921 DE10012921A DE10012921A1 DE 10012921 A1 DE10012921 A1 DE 10012921A1 DE 2000112921 DE2000112921 DE 2000112921 DE 10012921 A DE10012921 A DE 10012921A DE 10012921 A1 DE10012921 A1 DE 10012921A1
Authority
DE
Germany
Prior art keywords
payment
goods
service provider
telephone card
internet
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Withdrawn
Application number
DE2000112921
Other languages
German (de)
Inventor
Asad Abu Rashed
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Individual
Original Assignee
Individual
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Individual filed Critical Individual
Priority to DE2000112921 priority Critical patent/DE10012921A1/en
Publication of DE10012921A1 publication Critical patent/DE10012921A1/en
Withdrawn legal-status Critical Current

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/343—Cards including a counter
    • G06Q20/3433—Cards including a counter the counter having monetary units
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/28—Pre-payment schemes, e.g. "pay before"
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/02—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices

Abstract

The payment method uses a pre-payment telephone card, provided with a PIN code, which is loaded with pre-payment units, which can be debited for on-line payment of goods or services obtained via the Internet, upon the customer supplying the corresponding code to the goods or service provider.

Description

KurzbeschreibungBrief description

Zahlungssystem zur Benutzung im Internet (WorldWideWeb) durch einen generierten Code sowie in herkömmlichen Geschäften.Payment system for use on the Internet (WorldWideWeb) by a generated Code as well as in conventional stores.

Im Unterschied zu bereits erhältlichen Geldkarten wird beim Tele-Cash Safe-Money System durch Telefonrechnung bzw. zuvor gekaufte Einheiten bezahlt.In contrast to already available cash cards, the Tele-Cash uses Safe-Money System paid by phone bill or previously purchased units.

Beschreibungdescription

Der Kunde schließt mit einem Telefonanbieter einen Vertrag ab, infolge dessen er einen Code erhält.The customer concludes a contract with a telephone provider, as a result of which he receives a code.

Dieser Code wird bei kostenpflichtigen Internet-Sites angegeben.This code is given for paid Internet sites.

Bei Bezahlung in normalen Geschäften wird eine Geldkarte verwendet, die vom Telefonanbieter, bei der Bank oder bei der Post aufgeladen werden kann.When paying in normal shops, a cash card is used Telephone provider, at the bank or at the post office.

Diese Karte kann nur mit einer PIN-Nummer benutzt werden.This card can only be used with a PIN number.

Darüberhinaus wird für die Verwendung im Internet ein Lesegerät entwickelt, damit der Kunde bei Verwendung im Internet nicht mehr den Code eingeben muß, sondern die Karte "durchziehen" kann.In addition, a reader is being developed for use on the Internet the customer no longer has to enter the code when using the Internet, but can "pull through" the card.

Die Karte wird also in das Lesegerät gesteckt und das Guthaben online abgebucht. Das Prinzip beruht dementsprechend auf einem "Guthabenkonto" in Form von Telefoneinheiten.The card is therefore inserted into the reader and the credit is debited online. The principle is based on a "credit account" in the form of Telephone units.

Die Höhe des auf dem Kartenchip gespeicherten Guthabens in Form von Telefoneinheiten beruht auf einer Vereinbarung zwischen dem Kunden und dem Telefonanbieter und muß der Höhe nach nicht begrenzt sein.The amount of credit stored on the card chip in the form of Telephone units are based on an agreement between the customer and the customer Telephone provider and the amount does not have to be limited.

Vorteil gegenüber der bisherigen Zahlungsweise insbesondere im InternetAdvantage compared to the previous payment method, especially on the Internet a. Datenschutza. data protection

Der Kunde ist beim Kauf im Internet mit dem Tele-Cash Safe-Money System nicht mehr identifizierbar, da er nicht seine Kreditkarten-Daten (Name, Kreditkartennummer und Gültigkeitsdatum) eingeben muß; der Kunde gibt nur noch den vom Tele-Cash Safe.Money-Anbieter generierten Code an, aus dem weder die Bankverbindung noch Name und Anschrift hervorgehen.The customer is not when buying online with the Tele-Cash Safe-Money System more identifiable because it does not use its credit card details (name, Credit card number and expiry date); the customer only gives the code generated by the Tele-Cash Safe.Money provider, from which neither the Bank details, name and address.

Der Kunde kann selbst entscheiden, ob er sich identifiziert, beispielsweise bei Warenbestellung durch Angabe der Lieferadresse.The customer can decide whether to identify himself, for example at Ordering goods by specifying the delivery address.

Ansonsten bleibt der Kunde aber anonym. Otherwise, the customer remains anonymous.  

b. Zahlungssicherheit für den "User"b. Payment security for the "user"

Im Gegensatz zu der Zahlung mittels Kreditkarte im Internet ist die Bezahlung mit dem Tele-Cash Safe-Money-System mittels eines doppelten Codes absolut sicher, da nur bei Eingabe zweier richtiger Codes (PIN 1 und PIN 2) bezahlt wird.In contrast to payment by credit card on the Internet, payment with the Tele-Cash Safe-Money-System using a double code is absolutely secure, since payment is only made if two correct codes (PIN 1 and PIN 2 ) are entered.

Es besteht damit absolut Zahlungssicherheit.There is therefore absolute payment security.

c. Zahlungssicherheit für den Anbieterc. Payment security for the provider

Da die Karte auf Guthaben-Basis beruht, kann der Anbieter im Internet sicher sein, das Geld vom Kunden über den Telefonanbieter zu erhalten.Since the card is based on credit, the provider on the Internet can be sure to receive the money from the customer through the telephone provider.

Mißbrauch ist ausgeschlossen.Abuse is impossible.

Claims (1)

1. Zahlungssystem zur Benutzung im Internet (WorldWideWeb) durch einen generierten Code sowie in herkömmlichen Geschäften, dadurch gekennzeichnet, daß der Kunde nach Abschluß eines Vertrages mit einem Telefonanbieter, infolge dessen der Kunde einen Code erhält sowie eine Karte mit Pin-Nummer, die er entsprechend mit Telefoneinheiten aufladen kann, durch Telefonrechnung bzw. zuvor gekaufter Telefoneinheiten bezahlt.1. Payment system for use on the Internet (WorldWideWeb) by a generated code and in conventional shops, characterized in that the customer after entering into a contract with a telephone provider, as a result of which the customer receives a code and a card with a pin number that he can charge accordingly with telephone units, paid by telephone bill or previously purchased telephone units.
DE2000112921 2000-03-16 2000-03-16 Payment method for Internet transaction uses pre-payment telephone card debited by goods or service provider Withdrawn DE10012921A1 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
DE2000112921 DE10012921A1 (en) 2000-03-16 2000-03-16 Payment method for Internet transaction uses pre-payment telephone card debited by goods or service provider

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
DE2000112921 DE10012921A1 (en) 2000-03-16 2000-03-16 Payment method for Internet transaction uses pre-payment telephone card debited by goods or service provider

Publications (1)

Publication Number Publication Date
DE10012921A1 true DE10012921A1 (en) 2001-09-27

Family

ID=7635019

Family Applications (1)

Application Number Title Priority Date Filing Date
DE2000112921 Withdrawn DE10012921A1 (en) 2000-03-16 2000-03-16 Payment method for Internet transaction uses pre-payment telephone card debited by goods or service provider

Country Status (1)

Country Link
DE (1) DE10012921A1 (en)

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
DE10153660A1 (en) * 2001-10-31 2003-05-15 Sandy Koch Cashless payment system using account maintained by customer containing transaction units which customer uses for payments

Citations (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
DE19946537A1 (en) * 1999-09-28 2001-04-05 Deutsche Telekom Mobil Procedure for billing internet services via mobile radio

Patent Citations (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
DE19946537A1 (en) * 1999-09-28 2001-04-05 Deutsche Telekom Mobil Procedure for billing internet services via mobile radio

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
DE10153660A1 (en) * 2001-10-31 2003-05-15 Sandy Koch Cashless payment system using account maintained by customer containing transaction units which customer uses for payments

Similar Documents

Publication Publication Date Title
US8783562B2 (en) Payment card referral program
US9754321B2 (en) Methods of establishing credit
DE10039569C1 (en) Mobile telephone payment method for goods or services has central transaction number delivery point used to make payment after verification of charge data via customer
US20060169766A1 (en) System and method for managing and processing stored-value cards and bill payment therefrom
DE4119924A1 (en) Protecting credit balance stored in chip=card - using certificate generated by particular party to validate balance transferred from chip=card to debit-card point
DE19757501C1 (en) Process for protecting transaction data
WO2001086600A2 (en) Payment card and method for conducting transactions using a payment card
DE10012921A1 (en) Payment method for Internet transaction uses pre-payment telephone card debited by goods or service provider
WO2001065510A1 (en) Internet-enabled, cashless payment transactions
DE19859959A1 (en) Method of cash or asset transfer from payer to payee via Internet using cash unit card by transferring units if funds are available after checking by provider
DE19824883C2 (en) Method and arrangement for operating a sales business
DE10115171B4 (en) Method and device for recharging prepaid accounts
EP3163527A1 (en) Debit card and associated debit card system
DE102006050390B4 (en) Method for verifying and releasing credentials
DE10008280C1 (en) Cash-free transaction method has supplier and customer data handled via coordination device out of sphere of influence of either supplier or customer for providing fraud protection
DE3216430A1 (en) Process for making authentic voucherless debit entries with a bank card in conjunction with a payment order
US20050021412A1 (en) Prepaid internet card
DE10207685A1 (en) Electronic payment for goods or services purchased over the Internet using an intermediary to control payment transfers between customer and supplier with a transaction number used to relate payments to a particular transaction
DE10136080A1 (en) Electronic financial transaction method for purchasing goods or services uses customer pre-payment card for transfer of payment to goods and/or service provider
EP1237130A1 (en) Method for conducting a cashless transaction
DE19813206A1 (en) Multifunctional communications equipment supported by chip cards
DE10018965A1 (en) Net commerce chequeing system for money transactions over the internet
WO2002077936A1 (en) Method for carrying out electronic transactions with a terminal for reading chipcards
EP0802512A2 (en) Method and apparatus for payment witch IC-cards having a wallet function
CA2407196A1 (en) Accounting system for consumer retail purchases

Legal Events

Date Code Title Description
OP8 Request for examination as to paragraph 44 patent law
8122 Nonbinding interest in granting licenses declared
8130 Withdrawal