DE102007006658A1 - Interlinking of bank-and telecommunication networks has one or more mobile networks connected by interfaces directly or indirectly to national and international electronic clearing devices of credit economy bank-clearing-systems - Google Patents

Abstract

The bank and telecommunication network interlinking (IL) has one or more mobile networks, which are connected by interfaces directly or indirectly to national and international electronic clearing devices of the credit economy bank-clearing-systems, particularly cash clearing devices, like the international society for worldwide interbank financial telecommunication (SWIFT) network. The packet data network and the internet protocol are connected around the mobile radio users, which extends in the conducting financial services.

Description

State of the art, problems u. disadvantage

at The public mobile networks are two different Forms of contract between network operator (provider) and customer (participant) usual. On the one hand, this is the usual participant contract, where the customer is at the end of a billing cycle (usually one month) an invoice for his services receives or alternatively before a permission for account collection according to direct debit LSV of a previously announced bank (postpaid procedure) or alternatively to the so-called Pripaid contract, in which the customer a certain Pre-invested amount of money (for example 15, - EUR, 20, - EUR or 50, - EUR), which is credited on a prepaid card (payment card). This amount is reduced according to the claim until he finally consumes is. There are different procedures to those listed Refill payment cards with fixed amounts.

The conventional method is the Vaucher method, the so-called scratch cards. The customer buys a card for the equivalent of, for example, 20, - EUR and announces this purchase by dialing a specific phone number with his own mobile device in his mobile network and gives the Vaucher number listed on the card one. In this way, a connection between the at Merchant paid-in amount and participant identity, which is represented by his payment card, manufactured and the amount deposited can be within the mobile network of his Card credited. The dealer is doing the card sales involved.

at For example, the major German mobile communications companies exist in the period under review 2005 a contractual relationship prepaid to postpaid of rnd. 50%. With a prepaid turnover of typically 10EUR / month (Prepaid ARPU: average revenue per user) and a postpaid ARPU typically 40, - EUR / month accounts for 20% of total mobile revenue on prepaid customers. If one continues to assume that the initial Contract with often subsidized mobile phone, dealer commission and administrative effort including identification to ensure legal privacy in accordance with the Telecommunications Surveillance Ordinance TKÜV, Schufa requests for information, etc. generally in deficit, for the customer acquisition, however, remains the focus of the earnings situation in the prepaid area especially at the prepaid recharge.

There here a not inconsiderable dealer commission (scratch card and / or terminal usage) as well as a usage fee for participating credit card companies etc. and ultimately a manufacturing and / or administrative expenses incurred in the mobile communications company comes a handsome cost over the course of a year for the recharge of prepaid cards, which are at major mobile providers can quickly be at 100 million EUR and above.

at These sums of thought offer thinking about an economic Optimization using new technical procedures. in addition comes the circumstance that for the customer simpler and more convenient Method of charging payment cards the attractiveness and thus increase sales in this segment.

On This initial consideration was the result of this Patent method presented, which quickly showed that associated with the optimization of existing procedures new technical possibilities additional features and thus additional value creation possibilities adhere.

invention task

Of the The present invention is based on the object, a method to find, on the basis of a cost-effective and optional more convenient charging of prepaid cards for the subscriber (Payment cards) can be realized.

Solved This object is achieved by the characterizing features of the claim 1 and the corresponding subclaims.

explanation

Of the The invention is a method for coupling bank - and Telecommunication networks (especially mobile networks and the Internet) using the network-specific subscriber identifier (subscriber number, Internet address, etc.) for the identification of subscriber accounts for Financial services and financial transactions within and between the systems.

The The invention will be described using drawing figures incorporated herein just one possible exemplary embodiment the coupling between a banking system and a mobile network in a schematic representation, explained, wherein Based on the drawing figures further fields of application and claims result. The technical realization of the invention Coupling between mobile network and banking network is not on mobile networks limited, but can be in a technically adapted form to the network structures and interfaces of other telecommunication networks of any kind and / or Internet network or service providers, such as for example, Internet Service Provider ISP, Internet Access Provider IAP, or by the present invention newly emerging Internet Financial Service Provider (Internet Finance Service Provider IFSP) applied become.

The original intention of the invention was based on the task then, as simple as possible for the customer, as cheap as possible for the network operator as well technically as universally applicable method for to find the fast universal usability. The inventive Solution by analytical and creative approach was found is suitable according to a synthesis the inventive procedure found ideal for a broad field of previously unavailable financial services within the exemplified mobile radio networks as well as between these networks and external bank accounts. Which is due to the invention new benefits are provided by corresponding subclaims documented. The application itself is also limited by no means on prepaid accounts in mobile networks, but is applicable on all customer or subscriber accounts in telecommunications networks and Networks of information technology, such as the Internet etc.

A technical innovation in a highly complex and highly secure banking system can only be realized in a manageable period and be economically exploited if they match the existing methods and structures compatible procedure with functional extension the existing features and economically promising Background (commercial printing) offers, as any change existing systems, extensive agreements between many national and international organizations, extensive technical changes in many places in the network and possibly additional privacy risks brings with it. The same applies to public Mobile networks.

The Task thus requires an in-depth analysis of the electronic Transaction structures in the banking system and the structures of modern Mobile networks. The solution according to the invention must be consistent with existing structures and these meaningfully connect with each other. In addition, in the Unlike current proprietary solutions between each a bank and a mobile network a useful universal Solution for all customers who could entertained at different banks.

in the The following is therefore the existing banking world and its technical Realization, then a typical mobile network with its realization and as a result the coupling according to the invention both Systems described by way of example, so that a person skilled in the realization / implementation this and the transfer of the procedure in any other communications networks, including public ones Internet connected Internet financial service providers, realize can.

The banking system

Electronic payments on international level

For International payments became international Merger of financial institutions (SWIFT - Society for Worldwide Interbank Financial Telecommunication) founded in 1973. It maintains a telecommunications network (SWIFT network) for electronic financial transactions between the participating financial institutions with common technical standard for the safe handling of the financial transactions. Swift handles the financial traffic of about 7,800 financial institutions in more than 200 countries with daily about 11 million transactions.

Of the Seat is in La Hulpe / Belgium.

The SWIFT network includes two high availability data centers OPC Operating Center in Zoeter Woude, The Netherlands and Culpeter, USA.

In Each Member State has national concentrators. The big ones Credit institutions usually have their own leased lines.

The Communication takes place via a secured network with bilateral exchanged electronic keys.

Everyone SWIFT participant (financial institution) has its own for identification purposes SWIFT address (also called SWIFT code), the so-called Bank Identification Code BIC (Bank Identifier Code) according to ISO 9362, where SWIFT is used by ISO as the Registration Authority RA for the Implementation of the standard is authorized.

Bank identification code BIC ( 2 )

• 1-4 4-stelliger Bankcode (Bank Code), vom Geldinstitut frei wählbar (nur alphabetische/Alphazeichen, Beispiel Bundesbank = MARK)
• 5-6 2-stelliger Ländercode (Country Code) nach ISO 3166-1 (nur Alphazeichen, Beispiel Bundesrepublick Deutschland = DE)
• 7-8 2-stelliger Ortscode (Location Code) (alphanumerische Zeichen, Beispiel Frankfurt = FF) Das zweite Zeichen kennzeichnet den SWIFT-Teilnehmerstatus, die Ziffer „1" wird hier zur Kennzeichnung eingesetzt, falls es sicht um einen Live-Teilnehmer mit unmittelbarem Konzentratoranschluß handelt. Passive Teilnehmer besitzen ebenfalls einen SWIFT-Code, sind aber nicht mit dem Rechner verbunden und können nicht direkt über SWIFT kontaktiert werden. Bei solchen Banken handelt es sich meist um Investmentbanken, um Spezialbanken ohne besonderen Bezug zum Ausland oder um Banken, die ihr internationales Geschäft über einen Verbund abwickeln.
• 9-11 3-stelliger Filialcode (Branch Code), optional Eine Bank mit Swift-Terminal besitzt immer eine 8-stelligen Kennung, Filialen (11 Stellen) senden immer über die übergeordnete 8-stellige Zentrale.

The BIC has a length of 8 or 11 alphanumeric characters and the following structure:

• 1-4 4-digit bank code (bank code), freely selectable by financial institution (alphabetic / alpha character only, example Bundesbank = MARK)
• 5-6 2-digit country code (Country Code) according to ISO 3166-1 (only alpha character, example Federal republic Germany = DE)
• 7-8 2-digit location code (location code) (alphanumeric characters, example Frankfurt = FF) The second character identifies the SWIFT subscriber status, the number "1" is used here for identification, if it is a live subscriber with immediate access Passive participants also have a SWIFT code, but they are not connected to the computer and can not be contacted directly via SWIFT, which are mostly investment banks, special purpose banks, or banks to handle their international business through a network.
• 9-11 3-digit branch code (branch code), optional A bank with Swift terminal always has an 8-digit identifier, branches (11 characters) always send via the higher-level 8-digit central unit.

Example: PBNK DE FF = Postbank Germany Frankfurt (active participant)

to technical realization of financial transactions used SWIFT specially defined message types (MT - Message Types). These are not directly financial transactions handled between customer accounts but messages between international banks regarding existing transfers etc., on the basis of which the Bookings made by banks (Financial Telecommunication.

by virtue of the existing level of trust in the secure SWIFT network the participating banks usually promptly get the required Transactions according to SWIFT message manually or partially automatically.

specific National extensions such as RTGS (see below) allow also the direct fully automatic handling of transactions under Use of the Swift network.

• 1. Customer Payments & Cheques Nachrichten zu (End-)Kundenzahlungen, zum Beispiel MT 103 als Kundenüberweisung
• 2. Financial Institution Transfer Nachrichten zu Bank-an-Bank Zahlungen, zum Beispiel MT200 als Bankübertrag für eigenes Konto
• 3. Foreign Exchange, Money Markets & Derivatives Devisen-, Geldhandelsgeschäfte und Derivate, zum Beispiel MT300 als Bestätigung eines Devisengeschäfts
• 4. Collections & Cash Letters Dokumenten-Inkassi
• 5. Securities Markets Wertpapiertransaktionen
• 6. Precious Metals & Syndications Edelmetallgeschäfte
• 7. Documentary Credits & Guarantees Akkreditive und Garantien, zum Beispiel MT700 als Akkreditivausstellung
• 8. Travellers Cheques Reisescheck-Transaktionen
• 9. Cash-Management & Customer Status Cashmanagement/Auszüge wie zum Beispiel der MT940 als Bank-an-Kunde Kontoauszug

Messages (message types) in the SWIFT network always have a three-digit number as the type designation. The first digit indicates the message category:
0 stands for message category "System Message", for example the duplicate request of a stored message.

• 1. Customer Payments & Checks Messages for (final) customer payments, for example MT 103 as a customer transfer
• 2. Financial Institution Transfer messages to bank-to-bank payments, for example MT200 as bank transfer for own account
• 3. Foreign Exchange, Money Markets & Derivatives foreign exchange, money market transactions and derivatives, for example MT300 as confirmation of a foreign exchange transaction
• 4. Collections & Cash Letters Document encashment
• 5. Securities Markets Securities Transactions
• 6. Precious Metals & Syndications Precious Metals businesses
• 7. Documentary Credits & Guarantees Credits and guarantees, for example MT700 as a letter of credit
• 8. Travelers Checks Travel Check Transactions
• 9. Cash Management & Customer Status Cash Management / statements such as the MT940 bank-to-customer account statement

Examples of messages:

• • MT103 - standard message for customer payments
• • MT202 - standard message for bank-to-bank payments
• • MT940 - Standardized setup for bank statements
• • MT941 - account balance (current)
• • MT942 - Account sales (current)
• • MT999 - free text

to Time takes place as part of a changeover to standardized transmission protocols according to TCP / IP standard, a conversion of the proprietary Message formats in XML-Extensible Markup Language according to specification of the World Wide Web Consortium (W3C).

Electronic payments on European level

• • Banking Federation of the European Union (EBF),
• • European Association of Co-operative Banks (EACB)
• • European Savings Banks Group (ESBG)

To further develop European payments, the European Committee for Banking Standards (ECKS), also known as European Credit Sector Associations (ECSAs), was formed in 1992 by three European associations

• • Banking Federation of the European Union (EBF),
• • European Association of Cooperative Banks (EACB)
• • European Savings Banks Group (ESBG)

The ECSAs represents the interests of European banks the countries of the EU, the European Economic Area (EEA) and the European Free Trade Association (EFTA) technical reports and standard implementation guidelines for payments and cooperates with international standardization bodies.

cooperation therefore exist with the European Central Bank (ECB), the Main providers of cashless payments MasterCard Europe and Visa Europe, SWIFT and the Euro Banking Association (EBA), as well as ETSI (European Telecommunications Standards Institute) and the European Payments Council (EPC).

The international bank account number IBAN ( 2 )

The ECBS favors International Bank Accounts Number IBAN (International Bank Account Number) according to ISO 13616 (current 2003 edition) as internationally standardized notation for the addressing of bank accounts. Reason for this are the harmonization efforts for payment systems within the European Union Union, in cross-border EU transfers from the banks on the same terms as remittances within a country.

The IBAN can, for example, in Germany according to current State of implementation for lack of technical realization within the electronic data processing systems (EDP) currently only used for cross-border payments, for national payments is an introduction approx. 2008 foreseeable. The current situation requires additional effort in the transition from national to international payments.

The IBAN structure conventions take into account the different national and enterprise-specific methods for identifying bank details. In the Federal Republic of Germany For example, a separation of bank code (BLZ) to identify the bank and bank account number (account number KNR) for identifying the account is common.

Current and 40 countries have an IBAN structure. The ECBS expects that the process of worldwide acceptance is five to ten Can take years.

At least until then it is necessary the present representation of bank details (BIC code and account number) [ISO 9362] in countries without IBAN for the safe handling of the international Continue to use payment transactions. Also after that it will be at the Use of BIC code and IBAN remain because the IBAN contains not basically the necessary routing information, which are defined by BIC

to better readability, according to the recommendation of the Bundesbank the signs of the IBAN in paper-based transactions, for example, when printing account statements or at the representation of the bank account on bills, in groups of four divided notes. For electronic operations is a separation of the characters according to ISO 13616: 2003 not allowed.

• 1. 2-stelliger Ländercode gemäß ISO 3166-1 (bestehend aus Buchstaben)
• 2. 2-stellige Prüfziffer gemäß ISO 7064 (bestehend aus Ziffern)
• 3. max. 30-stellige Kontoidentifikation (bestehend aus Buchstaben und/oder Ziffern) In Deutschland sind hier lediglich 18 Stellen, bestehend aus der 8-stelligen Bankleitzahl, gefolgt von der 10-stelligen Kontonummer, in Verwendung. Kürzere Kontonummern werden dabei mit führenden Nullen auf 10 Stellen erweitert.

The IBAN can have a maximum of 34 characters. Inside European, IBANs comprise a maximum of 27 posts. For example, a German IBAN always has exactly 22 digits and is composed according to the following structure, cf. 2 ,

• 1. 2-digit country code according to ISO 3166-1 (consisting of letters)
• 2. 2-digit check digit according to ISO 7064 (consisting of digits)
• 3. max. 30-digit account identification (consisting of letters and / or numbers) In Germany, only 18 digits consisting of the 8-digit bank code followed by the 10-digit bank account number are in use. Shorter account numbers will be extended to 10 digits with leading zeros.

By the uniform positioning and check digit calculation is it possible to verify the accuracy of the check digit automatically verify, so the misdirection of orders is almost excluded and the associated high manual Processing costs are eliminated.

Electronic payments at national level level

When Prerequisite for the automation of the cashless Payments are the top associations of the banking industry and the Deutsche Bundesbank with effect from 1 October 1970 come into credit institutions active in the checking business in the federal territory by the bank sort numbers BLZ to mark, which are built according to a uniform system.

The Bundesbank is in charge of the allotment, amendment and deletion (Ref Bank Code Guideline, Deutsche Bundesbank, as of 19 January 2006 ,

Bank code BLZ ( 4 )

The BLZ is numeric and contains eight digits.

The Make one to three of the bank code form the location number (Landeszentralbank LZB-Platznummer), which is a bank place (place of the branch of the Germans Bundesbank) and the associated bank district (bank seat and the adjacent area) (formerly LZB Platz called). The first digit of the bank code designates basically the clearing area (see below).

So For example, the number 380 indicates the location of Bonn.

The fourth digit of the bank code designates the network (banking group). The bank sets the institution's own numbering (digits five to eight of the bank code) - in consultation with the Deutsche Bundesbank - basically yourself firmly. Additional bank codes for credit institutions for the separate processing of payment transactions of certain business units with major payments get one from the bank sort code in the places seven and eight different numbering

Account number ( 5 )

to rational settlement in payment transactions owns every natural one and / or legal entity acting at a credit institution at least maintains a bank account, or at least a distinctive one Account number KNR.

Within A credit institution will be partially additional organizational Ordering criteria indicated by the account number. this applies for example, for the identification of the account-managing Branch, which are shown in the first few digits of the account number can. In addition, some often become account characteristics in the account structure (main account / sub-accounts) by appropriate Number sequences displayed to identify if they are current accounts, Savings, Loan, Term or Ander accounts etc., but also to differentiate private customers from business customers and thus to support efficient bank internal processing.

Around in large branch networks enough number blocks Being able to use is used as an additional identification criterion the sort code used. This allows it within a Country, but also within a major bank with nationwide Branch network to use account numbers multiple times.

account numbers However, they are not completely arbitrary the account-holding bank. For error detection False bank account numbers are the banks since 6 December Committed in 2004 to newly authorized bank codes, for payment transactions only test digit secured Account numbers according to theirs in the bank code file BLZ-D (overview file of the Deutsche Bundesbank) indicated Check digit calculation method to use.

Credit institutions are free to choose how a check digit is calculated. The Bundesbank issues, in accordance with an agreement with the head associations of the banking industry, the allocation of indicators for check-digit calculation methods and provides an overview of the check-digit calculation methods used in the banking industry (Lit.2, Check Digit Calculation Methods for Checking Account Numbers for Correctness, Deutsche Bundesbank, June 2006 issue ).

The Check digit backup of account numbers promotes a smooth and automated processing of payment transactions. Therefore, a referring bank or a first collection agency obliges the bank account numbers of the payee or the debtor to verify their accuracy.

The Checking the check digit and handling payments with account numbers where the check digit calculation is negative has lapsed, is governed by the payment agreement (agreement on the paperless data exchange in inter-company processing Domestic Payment Transactions / Clearing Agreement).

In In the past, banks have published despite Check digit calculation method also assigns account numbers, where the check digit can not be verified. This had the consequence that an account number despite negative check digit calculation quite right. At the belegerfassenden Kreditinstitut This resulted in a high manual follow-up effort. Therefore have the top associations of the banking industry and the Deutsche Bundesbank informed, for ab December 6, 2004 newly approved bank code credit institutions to commit to payment transactions exclusively check digit secured account numbers according to their check digit calculation method specified in the bank code file to use.

For existing bank codes is this no later than 3 December 2007 (validity date) to ensure.

The Specification of the check digit calculation method with the code "09", which states that no check digit calculation is performed and all payments can be forwarded is still allowed.

The Introduction or modification of check digit calculation methods, their validity date as well as the total overview Descriptions of Check Digit Calculation Methods here on the homepage of the German Federal Bank as well as for Credit institutions through publications of the central associations announced by the banking industry.

Requirements of the Deutsche Bundesbank for payment transactions

According to the Requirements of the Deutsche Bundesbank include the specification of a Bank account the name and seat of the account-holding institute, the bank code, and the account number. In addition, supposedly the BIC and the IBAN are specified. In business dealings with foreign countries are in addition to or instead of BLZ and the account number of the BIC and the IBAN. Payer Credit institutions must use the check digit procedure master, s. O.

Billing between banks / clearing

Under Clearing is a central settlement of mutual Liabilities in banking

The Cash clearing (clearing money) is usually provided by the central banks operated. Examples are the RTGSplus of the German Federal Bank or the planned TARGET2 system of the Eurosystem. Added becomes the cash clearing market through the systems of the Euro Bankers Association (EBA - Euro Banking Association).

Example TARGET / RTGS / RTGSplus ( 6 )

TARGET stands for Trans-European Automated Real-time Gross Settlement Express Transfer is the real-time gross settlement system of central banks the EU for the euro. It consists of 16 national real-time gross payment systems (RTGS / Real-time Gross Settlement Systems) and the payment transaction mechanism the European Central Bank (EPM), which are mutually exclusive linked an interlinking or a bilateral link are, so a single platform for processing cross-border payments

RTGSplus is the cash-saving gross real-time method of Deutsche Bundesbank for the settlement of domestic and foreign payments. It was in 2001 as a successor system for ELS (Euro Link System) and EAF (Euro Access Frankfurt) put into operation. RTGSplus is expected in 2007 by the Eurosystem's new gross clearing system TARGET2 (ESCB) with extended functionality replaced.

each Payment is processed on a transaction-by-transaction basis.

Usually Payments are made in real time (within minutes) after load the central bank account of the referring bank to the central bank account credited to the beneficiary bank and the confirmation the successful execution to the contracting national Central bank.

Attendees in RTGSplus will be on receipt of a TARGET booking confirmation informed.

at sufficient coverage is an immediate transfer from central bank money

For the participant received is immediately given an RTGSplus credit and is fully available

RTGSplus uses internationally accepted Swift standards in the file formats

The National RTGSplus enables clearing between the national participating institutes. The international payment transfer is done via the interlinking component and the SWIFT network settled. Each country has an RTGS compatible one Component similar to the German RTGSplus system. In France for example TBF, in the Netherlands TOP etc. The RTGS system thus increases functionality and degree of automation also in international payments throughout Europe the existing functionality of the SWIFT network all the way considerably.

• • Zum einen ist das HBV der Standardzugang für Nichtbanken zu den Zahlungssystemen RTGSplus und TARGET. Übergangsweise – für einen Zeitraum von maximal vier Jahren nach der Teilnahme der Bundesbank an der TARGET2-Gemeinschaftsplattform (voraussichtlich 19.11.2007) – können auch Kreditinstitute zu den für Nichtbanken geltenden Bedingungen über das HBV indirekt an RTGSplus und TARGET (bzw. TARGET2) teilnehmen.
• • Zum anderen dient das HBV der Abwicklung von ein- und ausgehenden Euro- bzw. Fremdwährungszahlungen im Rahmen des Korrespondenzbankgeschäfts der Bundesbank. Dieses Leistungsangebot steht auch inländischen Kreditinstituten offen.

In addition to its clearing procedure RTGSplus / TARGET (individual payment transactions), the Bundesbank also operates the EMZ system (Electronic Retail Payment Transactions) as well as the house bank procedure (HBV) as a separate application for its customer business for historical reasons. The HBV fulfills two functions in this context.

• • On the one hand, HBV is the standard access for non-banks to the RTGSplus and TARGET. Transitional - for a maximum period of four years after the participation of the Bundesbank in the TARGET2 joint platform (expected 19/11/2007), credit institutions can also indirectly participate in RTGSplus and TARGET (or TARGET2) via the HBV at non-bank conditions.
• • On the other hand, HBV serves to settle incoming and outgoing euro or foreign currency payments in the context of the correspondent banking business of the Bundesbank. This range of services is also open to domestic credit institutions.

To A later date is intended, including the settlement of EMZ / STEP2 payments from non-banks to the house bank procedure to integrate.

7 shows vividly and exemplarily a cross-border euro customer payment in the TARGET system.

A client ( 1 ) transfers a sum of money to his sending bank ( 2 ), which is RTGS system participant. Transmitter and Receiver RTGS Components ( 3 u. 4 ) communicate over the target network, whereby the receiver station sends the order to the recipient bank ( 5 ). The transfer amount will then be credited to the beneficiary ( 6 ).

ATMs (ATMs) and terminals (Te)

Under The term "terminals" are used herein electronic devices of all kinds with screen / display device as well as with and without keyboard, which are used for electronic account management, d. H. to check the account balance, to execute of transfers, creating loans etc. are suitable. In general, you can between POS terminal (point of sale, s. u) and bank terminals BT differ. POS terminals are located in the trade close to the cash register system and enable the cashless payments, while bank terminals the Allow account management and usually in the bank's own Rooms (branch) are kept.

ATMs are facilities for withdrawing and / or depositing cash. The Use of unmanned GA, POS terminals and the like Bank terminals in practice using so-called maps.

ATM cards and cashless payments

bank cards

The Map era in Germany was 1968 with the eurocheque system ushered. A plastic eurocheque card (ec card) served as check guarantee card for eurocheques up to DM 400 (eurocheque warranty set at the end of 2001).

The End The 70s were equipped with a magnetic stripe ec cards emitted. Unlike the eurocheque system, where the card was subjected to a visual inspection and certain Authenticity features, such as signature and hologram may be present had to come in electronically processed payment systems The card primarily plays the role of an electronic identification medium to which the data required to complete the transaction in magnetic stripe. The magnetic strip contains essentially the bank code of the issuing bank, the account number and the expiry date of the card. With the introduction of the magnetic stripe card went the installation of the first online ATMs and the first Self-service terminals (self-service terminals). Through the magnetic strip could the hitherto limited to the mere identification of the customer Functionality of a card for admission to the lobby, cash withdrawal at an ATM and the bank statement printer as well as the card payment in the trade to be extended.

Beginning in June 1984, eurocheque cards were used in some European countries to carry out cross-border ATM (ATM) transactions using national ATM networks. Initially limited to some European neighboring countries, followed by the lane 2 of the magnetic strip in 1989, the opening of the ec card for international use at the ATM. In 1990, the national card-based POS system "electronic cash" was introduced. The European equivalent followed a short time later in the form of the "European debit card" (EDC). Finally, the magnetic stripe card in the edc version 1993 was extended by the "Maestro" system to a worldwide POS and GA system. All previously introduced card systems were based on magnetic stripe technology. The magnetic strip However, it has only a small storage capacity, which also, as unprotected, open to anyone for any manipulation available. A magnetic stripe can only store data and never process it yourself. This leads again and again to misuse of stolen and copied cards.

Electronic Cash is suitable both in the inpatient area as well for unattended terminals, such as ticket machines or fuel terminals. Nearly 400,000 devices today exist for well 90 million German cardholders have the opportunity to pay by electronic cash.

debit cards

U. a. for the reasons described began in Germany 1996 with the introduction of the wallet application "Geldkarte" the era of chip-based card payment systems. The "cash card" represents a prepaid wallet (prepaid) The amount loaded into the chip will be replaced later single purchase transactions consumed. The wallet can be charged with a maximum of 200 EUR. For paying in the trade or At vending machines there is no password (password, personal identification Number PIN). In addition, the "cash card" offers with "ticket" and "Marktplatz" two so-called "additional applications" at. The chip can contain up to ten data records Tickets, which can also come from different companies, be created.

The above the money card settled sales are basically on the part of the banking industry towards card acceptors guaranteed, provided these terminals approved by the banking industry deploy.

The Construction and operation of the inter-institutional system "Geldkarte" have the credit associations as Contracting party agreed: Bundesverband der Deutschen Volksbanken and Raiffeisen banks e. V., Berlin, Federal Association of German Banks e. V., Berlin, Federal Association of Public Banks Germany e. V., Berlin, and Deutscher Sparkassen- und Giroverband e. V., Berlin-Bonn.

These Associations are affiliated to the Central Credit Committee (ZKA).

When uniform interface for communication between those involved in the cash card system became the "interface specification for the ZKA chip card ".

• • die Zahlung in typischen Bargeldumgebungen erlaubt, ohne Kleingeld zur Verfügung haben zu müssen,
• • in Ergänzung zu den existierenden Zahlungsprodukten (z. B. electronic cash) deren Einsatzmöglichkeiten als universelles Zahlungsinstrument erweitert,
• • auch für Kundengruppen geeignet ist, für die die sonstigen Zahlungssysteme der Kreditwirtschaft (ec-Karte, Kreditkarte) nicht in Frage kommen und
• • in typischen Kleingeldumgebungen die Risiken der Bargeldhaltung sowie den Aufwand der Bargeldver- und -entsorgung deutlich mindert. Andererseits besteht keinerlei Schutz beim Verlust der Karte.

The cash card is a cashless payment instrument that

• • allows payment in typical cash environments without having to have change at hand
• • in addition to the existing payment products (eg electronic cash), its application possibilities as a universal payment instrument are expanded,
• • is also suitable for customer groups for which the other payment systems of the banking industry (ec card, credit card) are out of the question and
• • Significantly reduces the risks of cash holdings and the expense of cash supply and disposal in typical small change environments. On the other hand, there is no protection in the loss of the card.

payments using a cash card through the internet since the end of 2000 also possible. The cardholder can use his PC make payments from home with your cash card, provided that he has a corresponding customer terminal and the provider of the desired goods payments by means of Money card allows. A customer terminal can be the cardholder via to his bank or savings bank. The acceptance persists However, because of the required special customer terminal in limits.

The Admission of the cash card terminals is through the Central Credit Committee granted. The administration of the approvals is carried out by the VÖB e. V, the Zulapsunstest was the VÖB-ZVD Bank for Payment Services GmbH (VÖB-ZVD), Bonn.

The central application on the ZKA chip card remains for the time being the electronic Purse "money card on each of the 50's Million issued chip cards is present. The money card allows the cashless payment without using the PIN and without signature. The payments are for the acceptor by the banking industry guaranteed.

With the money card became 1996 also the national POS system around a chip characteristic extended: "electronic cash chip".

in the The equipment of these chip cards has become the central credit committee (ZKA) decided to free interested acceptors Memory area on the cards for own applications for To make available. The goal is the chip-based Payment systems To obtain a doctorate for a cash card and electronic cash in the market.

This free space in which the data structures, cryptographic Keys and data must be brought in, so that the storage space is available through the provider, as Additional applications called.

The Operating system of the ZKA chip card can also be contactless ticketing support, which, however, by the banking industry extremely is assessed with caution, since in no case without knowledge the user sums from his electronic purse may be deducted. Possible applications from "market place" can park ticket, bonus point programs or family cards. Meanwhile, there are a variety from regional marketplaces ("City-Card" or "Regio-Card").

Additional applications "Electronic Ticket "and" Marketplace "

Examples of additional applications are "Electronic Discount Marks" or home banking applications. A predestined additional application is the "electronic ticket", because there is the (previous) value carrier, the (paper) ticket, similar to cash and its owner similarly fast and often changes However, sufficient protection against counterfeiting is more difficult since the security mechanisms are linked to the duration of the tickets ( www.geldkarte.de ).

The Construction and operation of the inter-institutional system "Add-ins" have the banking industry associations as contracting party. As a uniform interface for the communication between those involved in the cash card system was the "interface specification for the ZKA chip card" established.

Multifunction card

The in the central credit committee (ZKA) cooperating top federations of the German banking industry actively accompany the development of European payments, in particular by participating in the decision-making bodies and working groups of European Payments Council (EPC).

to uniform representation of the interests of the German banking industry and to intensify this work, the ZKA on 3 June In 2004, the ZKA office SEPA (Single Euro Payments Area) in Berlin founded. This bundles the German banking industry their previous involvement in European payments, to the creation of the Single Euro Payments Area support the development of new, Europe-wide usable To promote payment instruments in the interest of customers

The Customers are expected from January 2008, a pan-European process for direct debit (SEPA Direct Debit) and transfers (SEPA-Electronic Credit Transfer) as well as a framework for Card payments are made available in the SEPA.

Multifunction card / ZKA chip

to Use of payment systems operated by the banking industry Money card, electronic cash and ATM will be cardholders As customers of the credit institutes a customer card, which with a magnetic stripe and a chip are provided. It is a multifunction card with a multifunction chip, the i. d. R. by default the applications cash card and electronic cash as well as GA-Maestro. This chip accordingly also includes TAN or signature applications. Even on credit cards, a chip will be used in the future. In addition, chip card processors also come into shape of security modules, e.g. B. as a so-called dealer card in the cash card system, for use.

Chip card processors are subject to the approval process of the German banking industry. The approval for the ZKA chip is granted as type approval granted the Central Credit Committee.

MasterCard International and the ZKA have in 2003 the recognition of Zulas issued by the ZKA agreements for chip card processors. For the semiconductors licensed by the ZKA with the applications MasterCard (credit) and Maestro, proof of compliance with the requirements of the "Compliance Assessment and Security Testing Program (CAST)" vis-à-vis MasterCard International is no longer required to go through more.

The after the first letters of the three card companies Europay, MasterCard and VISA described EMC specifications Chip applications for credit and debit cards for Withdrawals at ATMs and payment at the POS. CCC-smart cards, with the chip operating system SECCOS (SEcure Chip Card Operating System) are EMC compatible. At ATM decrees becomes currently with national debit cards still the lane 3, with credit cards and foreign debit cards processing lane 2. For The cross-border business is EMC compatibility required, d. H. the equipment with a chip. If the German Banks on the one hand, and their ATMs on the other Making maps compatible with EMC makes sense in the future as well national to apply the chip technology. That is why the Specification for ATM withdrawals created in the ZKA in addition to the international also a national, also on EMC based variant. To promote the dissemination of EMC-enabled Terminals applies since the beginning of 2005, a liability shift, after that the transaction partner - issuer or acquirer - the Liability that is not yet EMC-compatible.

The Operating system SECCOS is available without the prior consent of the copyright holder also for applications outside of credit institutions, which are affiliated to the associations represented in the ZKA, be used. Will the use of SECCOS be outside The aim of the German banking industry is a corresponding one To conclude a license agreement.

Of the Use of a smart card requires a connected to the computer Reader. With the publication of the specification for the SECCOS operating system of the ZKA chip card and the Signature application and the Internet customer terminal (ICT) in the year 2001 are all prerequisites for implementation meets the required electronic signature. This ICT consists of a chip card reader with its own keyboard and own Display and the associated software. It gets frequent referred to as a class 3 reader. Display, keyboard and in particular a dedicated CPU that only authentic customer terminal software for Execution brings the customer terminal independent from the PC to which it is connected, and thus protect Attacks by means of "Trojan horses" and similar damage sponsoring programs. Another application opened itself when smart cards with electronic signatures according to signature law (SigG) and Signature Ordinance (SigV) in larger Quantities are issued. This signature function can on specially issued chip cards or together with others Applications (such as cash card, etc.) spent on a bank card become.

With The bank signature card makes it possible to electronic Create signatures and use all those applications where a legally binding signature is required. Especially for use in open systems that are not have to be limited to the banking industry, will meet the requirements of the first in 1997 Version issued signature law and the signature ordinance recommended. This concerns in particular the certification of the public Signature key according to the requirements of the signature law. The field of application of such electronic signatures goes beyond payment and home banking. A potential one Field applications of eGovernment, for example the Health card, the JobCard or the future Digital identity card. Already in use is the Digital signature at ELSTER, the electronic tax return, the can be transmitted via Internet to the tax office. Further areas of application are the securing of e-mails and the degree of contracts where the actual payment transactions only at a later date. Since the end of 2004 bank signature cards are issued.

ATMs

With the introduction of the magnetic stripe card in 1977 End of the 70's by individual banks on-line ATMs introduced. Until then, there were only offline ATMs (Eurocheque guarantee up to 400 DM without account balance check) or token-based ATMs. At the later wide the introduction of online ATMs other institutions and the inter-institutional Cash machine usage became the ec card with one from the cash machine pool 4-digit secret number added. That was her also for withdrawals at ATMs of other credit institutions usable.

Since 1980, it has also been possible for non-bank ATMs within the German banking industry Withdraw money.

The Construction and operation of the inter-institutional system ATMs have the credit associations Federation of German Volksbanks and Raiffeisenbanks e. V. (BVR), Berlin, Federal Association of German Banks e. V. (BdB), Berlin, Federal Association of Public Banks Germany e. V. (VÖB), Berlin, and German Sparkassen- and Giroverband e. V. (DSGV), Berlin - Bonn agreed.

The ATM system of the German banking industry is a system that the customers of the German credit institutes as well as customers of credit institutes other countries withdrawal by means of a card to German ec ATMs (GA).

First the withdrawal amount (analogous to the ec system) was limited to DM 400, in the meantime, however, he is through individual regulations of the Card issuer limited (typical limit about 500 EUR / day). at A cash withdrawal is the identification of the customer through his four-digit personal identification number (PIN = Personal Identification Number), the amount will be with the account or a predetermined limit checked and the card subjected to a blocking check. Also check in Germany as only country the ATMs additionally the authenticity the map. The so-called MM system (Modular Characteristic) has the consequence that it damages by card falsifications in Germany practically does not exist. Germany currently has a network of more than 50,000 inter-institutively usable ATMs.

At These ATMs are made according to the requirements the German banking industry from the affiliated institutes issued ec and customer cards with the ec-GA pictogram and / or accepts the combined ec-electronic-cash logo. additionally You can use these cards with the Maestro or Cirrus characters be equipped. These signs are for MasterCard International S. A. registered trademarks. The german ec-ATM system is part of the worldwide Maestro ATM system. Out For this reason, the internationally published Debit cards and credit cards bearing the corresponding logo, be accepted at the German ATMs.

When uniform interface for communication between The ATMs involved were the technical equipment and annexes to the regulations on the German ec-ATM system established. To prove compliance with these requirements is to undergo an authorization procedure. This includes a certificate of conformity, in a bump test as well as a safety evaluation is yield.

The FTAM dial-up procedure was developed in order to enable the corporate customers of the credit institutions to securely transfer payment transaction data on the basis of a nationwide uniform standard. The current annexes to the DFÜ agreement contain the "Interface specification for remote data transmission between customer and bank according to the DFÜ Agreement, as of: November 3, 2005, Version 2.0" (DFUE@SIZ.DE) ,

The FTAM standard will be supported until December 31, 2010. The central associations of the credit industry, which are affiliated to the Central Credit Committee, have decided on changes to the technical specifications of the DFÜ Agreement, which enable Internet-based communication between customers and banks. Details on the new Internet-based standard ERICS, which will be supported by all banks in Germany from 1 January 2008, can be found on the ERICS homepage ( www.ebics.de )

The Admission of the ZKA does not only include the obligatory function for the national GA application but also the MasterCard Brands "Maestro, Cirrus, MasterCard Credit" for the use of ATMs in Germany. An additional MasterCard approval for German ATMs no longer necessary. The ZKA strives to do something similar with VISA International and the other credit card organization

The ec cards issued by German banks can also be used outside the country's borders at ATMs. As early as 1984, the first cross-border withdrawals were possible in neighboring European countries. Meanwhile, within the framework of the global Maestro system, worldwide are. One million ATMs accessible. The National Online Network (NOV) was created at the end of the 1990s: the four credit head offices were linked online so that ATM cash withdrawals can also be authorized online across the banking industry could.

European Bank customers get their debit card (previously: "ec card") cross-border payments within Europe 2007 even wider use - and this first known on the basis of them from their home countries national systems. So have customers of German banks and savings banks in the future the ability to use their debit card over the Maestro acceptance points - for example in Italy, Spain and Portugal - money from their ATM account withdraw or electronically pay in trade

For this have the central associations represented in the Central Credit Committee (ZKA) the German banking industry together with various European Partners Letters of Intent over the start of a pilot project for mutual acceptance of each issued debit cards and direct, bilateral settlement signed these transactions. Medium term goal is the Networking existing national debit card systems

• • EUFISERV s. c. r. l. wickelt Geldautomaten- und POS-Transaktionen ab und betreibt das EUFISERV-Geldautomaten-Netzwerk mit der mehr als 70 Millionen Bankkarteninhaber an über 60.000 Geldautomaten mit ihrer Landeswährung versorgt werden. Außerdem bietet EUFISERV Gateways zu den Systemen von Visa International, MasterCard, American Express und China UnionPay, die es Banken erlauben, entsprechende Karten an ihren Geldautomaten zu akzeptieren. Die Gesellschaft hat ihren Sitz in Brüssel, sie gehört Banken aus dreizehn verschiedenen Ländern und der European Savings Banks Group (ESBG). Sie entwickelt, erhält und erbringt internationale Dienstleistungen für die europäische Kreditwirtschaft.
• • Sociedade Interbancaria De Servicos S. A. (SIBS): SIBS betreibt das portugiesische Debitzahlungssystem "Multibanco" (POS und Geldautomaten). Zu den Aufgaben der SIBS gehören auch zwischenbetriebliche Scheckverarbeitung, sowie die Abwicklung von Überweisungen und Lastschriften. Kunden sind die Mehrzahl der in Portugal tätigen Banken und zahlreiche Klienten außerhalb der Kreditwirtschaft. Mit 16 Millionen ausgestellten Karten, 10.700 Geldautomaten und 146.000 POS, die im portugiesischen Banksystem im Einsatz sind, wickelt SIBS jährlich 1.700 Millionen Transaktionen ab. Homepage: http://www.sibs.pt/
• • EURO6000 S. A.: Euro6000 ist das POS- und Geldautomaten-Akzeptanzsystem der 35 spanischen Sparkassen. Neben den Systemen ServiRed und 4B ist es eines der drei großen und sehr weit verbreiteten Debitzahlungssystem in Spanien. An das EURO6000-System sind 284.000 Kartenterminals und 15.000 Geldautomaten angeschlossen. Die teilnehmenden Institute haben ca. 13 Mio. Karten im Rahmen des EURO6000-Systems emittiert. Homepage: http://www.euro6000.es/
• • Interpay Nederland BV: Interpay bearbeitet jährlich ca. 3,3 Milliarden Zahlungsverkehrstransaktionen und über 1,7 Milliarden Lastschriften. Interpay gehört zu den größten Unternehmen zur Zahlungsabwicklung auf dem holländischen und dem europäischen Markt. Auf Wunsch der Europäischen Kommission und der Europäischen Zentralbank wird Interpay im Jahre 2008 damit beginnen, gesamteuropäische Zahlungsprodukte abzuwickeln.
• • Das italienischen Geldautomatensystem „bancomat" sowie im italienischen Debit-POS-System „pago bancomat.

The partners include several well-known European institutes:

• • EUFISERV scrl handles ATM and POS transactions and operates the EUFISERV ATM network, which serves more than 60 million ATMs in its national currency to more than 70 million bank card holders. In addition, EUFISERV offers gateways to the Visa International, MasterCard, American Express and China UnionPay systems, which allow banks to accept cards from their ATMs. The company is based in Brussels and owns banks from thirteen different countries and the European Savings Banks Group (ESBG). It develops, obtains and provides international services for the European banking industry.
• • Sociedade Interbancaria De Servicos SA (SIBS): SIBS operates the Portuguese debit payment system "Multibanco" (POS and ATM). The tasks of SIBS also include inter-company check processing, as well as the processing of transfers and direct debits. Customers are the majority of banks operating in Portugal and numerous clients outside the banking industry. With 16 million issued cards, 10,700 ATMs and 146,000 POSs operating in the Portuguese banking system, SIBS handles 1,700 million transactions each year. Homepage: http://www.sibs.pt/
• • EURO6000 SA: Euro6000 is the POS and ATM acceptance system of the 35 Spanish savings banks. In addition to the ServiRed and 4B systems, it is one of the three major and very widespread debit payment systems in Spain. The EURO6000 system has 284,000 card terminals and 15,000 ATMs connected. The participating institutions have issued approximately 13 million cards under the EURO6000 system. Homepage: http://www.euro6000.es/
• • Interpay Nederland BV: Interpay handles approximately 3.3 billion payment transactions and over 1.7 billion direct debits annually. Interpay is one of the largest payment processors in the Dutch and European markets. At the request of the European Commission and the European Central Bank, Interpay will start processing pan-European payment products in 2008.
• • The Italian ATM system "bancomat" as well as the Italian debit POS system "pago bancomat.

Card payment in trade (POS terminals)

The End The 1970s were the first payment systems by individual banks introduced at the POS. The magnetic stripe card was through read a card reader after the purchase. The final amount was immediately debited from the account. Meant for the department stores this way of processing the consumer loan a faster Cash receipt as well as savings in the credit departments and reduction of cash handling. Also, the collection risk was so from the dealer transferred to his customer's bank.

The use of ec and bank cards at the cash registers of commercial and service companies has been possible since 1990. Under the name "electronic cash", the German banking industry has created a card payment system that guarantees payments to the acceptor. Currently, users in Germany can use their ec card at approximately 360,000 POS terminals. In the international Maestro system, German maps can also be used worldwide at more than ten million Maestro-enabled terminals (as of the end of 2003). Analog to the ATM system is also "electronic cash" a PIN-based system, the entwe using the magnetic strip or since 1996 also the microchip of the card is implemented.

since The first transactions involved the use of the electronic cash system especially because of the associated security continuously elevated. The revenue generated by the electronic cash system amounted to about € 39.4 billion in 2003, more than the sales of MasterCard and VISA credit cards together (around EUR 34 billion).

Next The credit-related electronic cash system has become a reality Trade gradually established direct debit, which is under name such as electronic direct debit (ELV) or online direct debit (OLV) an automated processing of card-generated direct debits enable. A payment guarantee of the card issuer Naturally, these are "wild" methods not, the risk lies entirely with the trade.

Home and Internet banking

While the customer both in the case of withdrawing money at the ATM as well as when paying at the POS terminal to these devices He can do home and internet banking from home operate. For this, however, he needs one private terminal. The first option for homebanking offered the screen text (Btx), which in 1977 at the radio exhibition presented in Berlin by the German Federal Post Office and 1980 in two field trials conducted with a private bank was introduced. About Btx the bank could the Customers the same banking services as at the online terminals to provide in the branches.

Of the hoped by the Federal Post Office, long-lasting resounding success the Btx remained mainly due to the expensive terminals (private terminal) anyway. Also the Btx successor T-Online never reached the expected user numbers.

First As providers and users of the Internet served, the rose Number of online accounts jumped. The departure from the closed User group at T-Online and the developing number of incompatible ones Offers resulted in that in the ZKA 1996 with HBCI (Homebanking Computer Interface) is a standard for that Homebanking was developed.

The Combining the Internet with the PIN / TAN procedure created the first one Internet banking (browser-based online banking); d. h., the Customer does not need any program software - "PC-Client" - more, making it independent of location within a web browser can operate online banking with his TAN list. This combination brought the online banking process the breakthrough.

From Version 3.0, the FinTS standard was reorganized to the Independence of the legitimization procedures, business transactions and the financial data formats of the underlying protocol to meet. The individual documents are in an overall specification entitled FinTS - Financial Transaction Services.

2004 Another milestone was reached with the version FinTS V4.0: The standard has been completely specified in XML. FinTS will do that Compatible with other international financial data standards and fits homogeneous in modern data center landscapes. About that In addition, FinTS V4.0 offers a variety of extensions, such. Eg datagram processing, email / push services, SMS or distributed Signatures.

It Various authentication methods such as PIN / TAN (Personal Identification Number / Transaction Number) or Digital Signature supported. FinTS ride u. a. the ZKA bank signature card in conjunction with strong cryptographic techniques. FinTS is currently supported by more than 2,000 banks. Well-known manufacturers of online banking software support the standard, so that the customer from a variety of products can choose.

Newer procedures for home and Internet banking

Other methods are 3D-Secure and online transfer. The two credit card companies MasterCard and VISA have agreed on a uniform protocol for online transactions: 3D-Secure. At VISA, the implementation of 3D-Secure Verified by VISA is called MasterCard SecureCode. If the merchant supports this process, he has a payment guarantee, regardless of whether the issuer supports the process. 3D-Secure does not require additional software on the customer side to confirm the transaction is controlled here via a server at the card issuer, the z. B. sends a pop-up window to the browser of the cardholder. Thus, it can be purchased from any computer (Internet cafe, with friends, in the office), without the need to install software on the respective PC. However, the merchant needs to customize their shop system for 3D Secure and install a merchant plugin. The design of the 3D-Secure protocol is so general that it is also possible to carry out debit transactions via this protocol.

at the so-called online transfer is done by the customer in Internet an already known from online banking transfer. However, he no longer needs to do this from the merchant's website switch to the website of his bank. Much more will open a window directly on the dealer page the execution of the transfer is open.

Notes on Single Euro Payments Area - SEPA

Especially In payment transactions, Germany is characterized by a highest efficient system landscape, but so far essentially determined by national requirements. 99% of the payment volume in Germany is national payments and only 1% are cross-border transactions. Therefore, it is understandable that there is a European systemic payment system Senses not yet exist. Only in beginnings are European Standards and a European payment infrastructure available. With the introduction of the euro as currency and in particular with the introduction of the euro, in the form of Banknotes and coins have the requirements considerably changed. European integration demands also the creation of the European Payment Area, the "Single Euro Payments Area, SEPA", in cross-border Payments in the common currency, the euro, as well easy, convenient, fast and secure like comparable national payments. To reach this goal, has the European financial industry under the lead European banking associations founded in June 2002 the European Payments Council (EPC). To initial constituent phase and transformation into one Society under Belgian law, as well as the integration of the ten EU accession countries, the EPC joined in June 2004 second session and constituted with the submission of the "SEPA Roadmap 2004-2010 "the objectives and milestones for set in the coming years. Essentially, it is about now to create European payment instruments that: enable use in Germany and other European countries. A payment within Germany may differ from a cross-border Euro payment from one EU country to another no longer different. The European Central Bank expects the banking industry to that for the EU citizen the Single Euro Payments Area from 2008 is reality. The "SEPA Roadmap" focuses on this on the creation of three SEPA payment instruments: the SEPA direct debit, the SEPA credit transfer and the SEPA debit card. The European Payments Council has committed itself in its document until the year 2010 - involving national payments - the Euro Payments Area (SEPA). The technology to implement these measures must take part, d. H. new standards, new procedures and a new infrastructure must be created become. Payments in the first decade of the new millennium is a European business field.

The trellis system in a schematic representation

8th shows, in a schematic and exemplary form, the structure of a network of ranks or of a bank that is connected electronically. The time of the on-site local bank, where transactions required the customer's personal presence at the branch, is long gone. A bank must be networked in today's competition, at least locally, regionally or better nationwide or internationally be attainable. Bank terminals are usually located within the branch ( 2 ) and allow the account management. For branch networks and bank consortia, this service is generally available from all participating institutes. ATMs ( 1 ) belong, for example, to the ATM network of the German banking industry, the global Mastro system and are shared for payment / fee, as well as POS terminals ( 1 ). Cash can be obtained either at the store or via a credit card company, such as Cirrus, MasterCard or Visa etc. at the GA.

The bank computer ( 3 ) is the central control system. Its realization is individually solved application-specific and / or manufacturer-specific. At large banks, there are extensive redundant, fail-safe large-computer systems in special, disaster-proof, bomb-proof and secure high-security data centers with extensive storage and database systems. Standardization is not available in this area. The bank computer has access to one or more database systems with the corresponding customer and account information with attached parameters such as access rights, passwords, TAN lists, contract aspects, dispolimits, interest rates etc.

Financial transactions are handled either by direct data connections to other financial institutions (eg syndicate banks / tenders) ( 4 ), or through higher-level finance clearing systems or cash clearing systems (cash clearing is a subset of finance clearing and does not include, for example, securities trading), such as SWIFTfin, RTGSplus, HBV or EMZ ( 5 ) operated. In the case of direct coupling between financial institutions, of course, the user fee for higher-level clearing instances no longer applies.

Finally, individual partner solutions with mobile providers (mobile account access), cash card companies etc. complete the structural diagram ( 6 ).

The mobile radio system

From The numerous radio networks is the standardized cellular mobile radio system GSM (Global System for Mobile Communication) according to ETSI specification (European Telecommunications Standard Institute).

The GSM system has been around since 1982 in the effort a pan-European mobile standard from the Group Spècial Mobile of the CEPT (Conférence Europeénne specified by the administration of the Post et de Telecommunications, since the founding of the European Telecommunications Standard Institute ETSI published in 1989 as European Standard and introduced in different stages since about 199l and is now in over 180 countries worldwide with well over 500 million participants in use. In the Federal Republic of Germany was the penetration in the first quarter 2006 with more than 80 million participants in 98.2% of the population. The four mobile network operators (providers) T-Mobile, Vodafone, Eplus and O2 share the market.

The circuit-switched GSM network is, for example, in the leading German mobile network operator T-Mobile and other mobile network operators (mobile service providers) to the packet-oriented GPRS (General Packet Radio System), which has the same wireless infrastructure in combination with additional special package And advanced UMTS system (Universal Mobile Telecommunications System) with extended bandwidth as an implementation variant of the IMT-2000 (International Mobile Telecommunications) according to 3GPP standardization (3rd Generation Partnership Project / 3GPP) extended and used in this combination ( www.3gpp.org ).

9 shows such a combined network in a schematic structure.

The extensive standardization allows a restriction explanatory notes on network and communication structure this point to the context of the invention standing properties and components.

One Mobile GSM terminal (MS) communicates in circuit-switched Mode (for example, telephone service). Communication takes place via the next wireless base station BTS (Base Tranceiver Station) to the control facility BSC (Base Station Controller), which each several BTS are assigned. The Abis interface has 16 kbit / s Submultiplex traffic channels that are within the A interface between BSC and Trau (Transcoder Unit) within 64 kbit / s channels be multiplexed. The MSC (Mobile Switching Center) is the central office in the GSM mobile network. A gateway MSC forwards the call into the public analog network (PSTN, Public Switching Telecommunication Network), into the integrated services digital ISDN network, in neighboring Mobile networks (Public Mobile Land Network PMLN) or alternatively via an additional interface converter IWF (Interworking Function) into a packet data network PDN (generally Public Date Network, specifically z. B. Datex-P, etc.) on. The connection to the data network is useful only in data transmission services within the voice channels by means of bit rate adaptation / modem operation operate. Here, data rates up to 9.6 kbit / s can be usefully used. Advanced channel coding allows for greater technical Effort up to 14.4 kbit / s. In special cases are also interconnected channels for larger Bandwidths offered in the data transmission. The so-called HSCSD service (High-Speed Circuit Swiched Date) the transmission of up to 57.6 kbit / s, but blocked because of the circuit-switched basic principle of transmission at least 4 complete consecutive channels, thus allowing for Voice applications are no longer available. These Channels must be reserved even if none of the network participants uses HSCSD traffic. EDGE (Enhanced Data Rate for GSM Evolution) allows transmission up to approx. 200 kbit / sec.

Of the since about the year 2000 in the knitting network integrated Paketdatendienst GPRS (General Packet Radio Service) uses the same GSM radio network (Base Station Subsystem, BSS) and occupies a maximum of 8 timeslots up to a total of 115 kbit / s at short notice for a common Data Connection. Unlike HSCSD, these channels become however, not statically allocated, but may vary depending on Traffic and Voice / Nonvoice distribution strategy dynamic completely or arbitrarily partly for language or data be used. The GPRS data transfer takes place in the packet mode instead, all users share the available channels in the Multiplex method. The used bandwidth can be selected and be classified as value-added service.

The Data packets are transmitted via Gb interface via a Bit Rate Adaptation to the Packet Switching Center SGSN (Switching GPRS Support node). The SGSN serves all registered GPRS users within their area. He is in the mobile network or in its infrastructure on the same hierarchical Level such as the MSC (Mobile Switching Center) and VLR (Visitor Location Register, s. u.). The SGSN is for entry and exit the GPRS subscriber including user identification and encryption responsible. He works at devices that both data as well as telephone are (classes A and B), with the one responsible for telephony or line switching MSC / VLR together and keeps the "logical" connection for the data packet traffic to the terminal upright (SMS text messages and layer-three signaling between network and device).

Of the SGSN Encapsulates Packets with Internet Protocol Architecture (IP_Packages) and (reutts) them using the PDP context (Packet Data Protocol) via the GPRS backbone network to the appropriate GGSN (Gateway GPRS Support Node).

The Packet Data Protocol controls important parameters, such as the name the access point, the required quality of service and which Gateway GPRS Support Node is to use. The SGSN additionally generates invoice data telegrams for tariffing the GPRS service and forwarding it to CCBS (Customer Care & Billing Center, s. u.).

Of the GGSN decapsulates the data packets and passes them to external IP networks, such as the public Internet. In this context, the GGSN is for identification the user to external networks, the passage (Tunneling) data packets in both directions and finally responsible for creating billing data for the CCBS. The current status of the IP protocol structure in the GPRS network is IPv4 (as per specification the Internet Engineering Task Force, IETF).

A UMTS transmission takes place in a comparable way, whereby here larger bandwidths up to 2 Mbit / s be available. In contrast to circuit-switched transmission UMTS also uses packet-switched transmission technology in the GSM network for voice transmission. Between the network node comes while the asynchronous transfer mode ATM (Asynchronous Transfer Mode) are used. In addition, in UMTS the transmission quality (Quality of Service QoS) reliably secured or in different classes are regulated and tariffed, whereby For example, higher quality voice services are feasible. UMTS has a clear separation of layers in traffic (connectivity), signaling (control) and services (Sevice Layer). This division is also reflected in the technical Realization of the UMTS-specific MSC again.

The essential intermediation and transmission components A Mobile Network, Radio Network (RN) and Core Network (CN) are used by the service control network SCN (Service Control Network) added that for the connection control and the operation of basic and value-added services as well as for the Customer management is required.

The essential components for connection control are HLR (Home Location Register), EIR (Equipment Identity Register), AU (Authentication Center) and VLR (Visitor Location Register). You are over one own network via central channel signaling system no. 7 (Signaling SS7 system) in accordance with CCITT / ITU-T with the MSCs.

The home-stay register HLR is the central database for subscriber data. It includes permanent and semi-permanent subscriber data, such as location, phone number etc. for all subscribers assigned to the respective HLR. In today's network sizes, several HLRs are in use. Mobility management is based on a two-tier database infrastructure. The HLR points to the current subnet where a device is located. The VLR, on the other hand, holds a temporary network address for each device in its location, which is used when a device is "paged" in all access points of the localization area in which the user is registered (paging) be determined with optimal radio coverage. There are different handover procedures to perform uninterrupted connections in the mobile operation of the subscriber (movement state) within and between different subnets. The VLR contains each copied subscriber records from the HLR.

The IP protocol has a problem here. It was originally not in terms of mobility management, but for the Device connection within a local network developed. At the time of specification, computer equipment was due her physical size for the mobile operation little suitable. The problem is solved by a hybrid approach, on the one hand, by allowing the GGSN to start and endpoint for a tunneling mechanism to the Internet represents (termination point) and transparently forward the packets to the GPRS network and on the other hand the proven mechanisms of mobility management for voice terminals in the GSM network in adapted Form for the localization of the GPRS packet data terminal come into use.

The GSM network operates a considerable effort for authentication its participants, their safety and integrity as well for all transmitted information.

The Affiliate identity also needs in case of acute subscriber mobility be reliably maintained, on the one hand the high safety standard is available without interruption and on the other hand, the participant for the respective Service is always safely accessible.

in the GSM network is this an exchangeable chip card, the so-called SIM (Subscriber Identity Module) in combination with the terminal used. The SIM is clearly a natural or assigned to legal entity and is regulated by law only in connection with an identification control (ID control) contracted output. This procedure forms the legal and practical Basis for sovereign surveillance measures according to the Telecommunications Surveillance Ordinance TKÜV in the Federal Republic of Germany or equivalent Provisions in other countries.

The SIM authenticates the subscriber in the GSM network, whereby the network internally for security reasons a temporary identifier instead of the subscriber number assigns.

The Radio transmission is always encrypted in the GSM network, Optionally every single conversation can be different can be encrypted. The security key become new every time a connection is established between the SIM and the GSM network negotiated. For this purpose, the IMSI entry (International Mobile Subscriber Identity), which can be found both on the SIM and in the Subscriber Identification Center AUC (Authentication Center) is located, for encryption the data required. The MSC requests the data for connection establishment at the responsible VLR, which in turn supplies AUC-side becomes. Authentication and key generation done by chip card, where also the appropriate data deposited and the algorithms are stored. So that the IMSI on the air interface it can not be spied out, it gets through the temporary IMSI (Temporary Mobile Subscriber Identity) issued by the VLR is valid only within the Location Area (LA), replaced. Likewise, there is an MSRN (Mobile Station Roaming Number), consisting of Visitor Country Code (VCC), Visitor National Destination Code (VNDC), the MSC identifier and the subscriber number.

The Device Register (Equipment Identity Register EIR) managed the terminal-specific IMSI (International Mobile Equipment Identity) together with the associated usage rights / service identifications.

Equipment, who are out of order or stolen can assist with the EIR data is blocked and / or localized.

at GPRS takes place the authentication according to the GSM procedure, whereby on Reason of the fact that no services at the network layer, but pure IP transmission capacity available is provided, no service IDs are present, their compatibility network side would have to be guaranteed. The IP address is temporarily, for example by RADIUS method (Remote Access Dial In User Service according to IETF).

in the UMTS will provide person mobility through a UMTS SIM (USIM) supported. The module is backward compatible to GSM. Substantial innovation to the GSM SIM is the mutual authentication, d. H. In addition, an authentication of the Net against the participant.

The in the figure, CCN (Cervice Control Network) is not fully standardized by ETSI and shows within different mobile networks depending on the current offer of different Competitive Products (Value Added Services VAS) and / or depending on Implementation of network management and billing system deviating Detailed structures at the different providers. Likewise, form here different technical implementations of the CCN manufacturers from.

The Network management, d. H. Configuration, parameterization, function control, Error message, error diagnosis and error correction are under Use of the network management center OMC.

The Customer care is provided using the customer and billing center CCBS. Here are all customer-specific and contract-relevant data saved. Additional here are the communication and service costs of the customers used Services recorded and in compliance with the contract Tariffs calculated and summed. The CCBS arranges the monthly Invoice and is linked to a collection agency for this purpose. Technical interfaces (so-called mediation devices) combine this CCBS with the technical facilities relevant to the costs the mobile network. These compounds are numerous and partial individually, since all network components must be contacted, the necessary information regarding claimed Services whose service parameters (service, time, Duration, QoS, data volume, bandwidth etc.), but also information about the destination or source network (network internal, external network external, external network Foreign, mobile originated / destinated call etc.) are to be recorded, different network operators sometimes different Use tariffing. In any case, the network nodes are MSC and GGSN fee-relevant.

in the In extreme cases, a network operator could also be an alternative a permanent tariff (Flatrate) offer and on with the appropriate Data collection in the network associated high technical effort and the also associated high security costs partially without.

at Inter-network communication must be charged be settled with other network operators. Go to this corresponding records for matching (clearing) to a central clearing office of all network operators, so later each network receives its share of the fee revenue. Separate procedures are also available for external service providers (ESP) required, the paid services in the Mobile network offer and mostly on the mobile billing settle up. These methods are also realized individually and outside the ETSI specification.

The Management of prepaid services (prepaid services) but not, as we have based on the above logically, in the CCBC. The CCBS is out For safety reasons, not via communication interfaces reach the network, which in turn the query of the account balance Participants on mobile phone difficult or in certain Traffic situations prevented (for example SMS traffic abroad). For this reason, the prepaid account balances of the participants managed in the IN system (Intelligent Network System) and are over the GSM USSD message type (Unstructured Supplementary Service Data) by speed dial. In practice, the chooses Prepaid subscribers have a speed dial number and will be provided by IN system via voice over the current account balance of his payment card informed.

The SCN (Service Control Network) covers all components in the broadest sense for the management and control of services, terminals and Attendees. The SCN made the network quasi "intelligent", historically enabled the first value-added telephone services VAS (Value Added Services). It was therefore consistently considered intelligent System (Intelligent Network, or IN system). intelligent Services are for example prepaid, televoting, special telephone number treatment (0180 .. etc.), Virtual Private Network VPN, ringback tones, subscriber localization Etc.). Already the first message service (Short Message Service SMS) was with an additional component, the SMS-C (Short Message Service - Center) technically easier and also independent, d. H. realized cheaper. Depending on how you look at it, the SMS-C is part of the IN system or not. In the context of the present invention counts it in any case to the SCN. In this sense, additional components to the IN system are CAMEL, WAP, MExE, USAT, SMS, MMS etc, here only to be mentioned by way of example.

The so-called Service Control Functions (SCF) are over standardized interfaces to the core network (Core Network CN) turned on. The trigger events (trigger points TPs) for IN functions are implemented in the core network and for example, according to 3GPP standards such. B. CAMEL (customized application for mobile enhanced logic) realized. IP-based services are usually associated with special ones Realized service servers.

As already mentioned several times, have mobile radio subscribers clear and comprehensive addressing and recognition criteria for a secure communication that is closer below to be viewed as.

License plate in mobile networks

The Administration, allocation and monitoring of public service plates Mobile networks in the Federal Republic of Germany is a sovereign Task and is the responsibility of the Federal Network Agency for Electricity, Gas, Telecommunications, Post and Railways BNetzA, below also briefly referred to Federal Network Agency (formerly regulatory authority for telecommunications and post office).

The The first recognition criterion is the subscriber number in the GSM network also referred to as MSISDN (Mobile Station ISDN Number).

The Federal Network Agency manages the complete telephone number space for all public telecommunications systems in the territory. In it is also the number space for mobile radio systems, their allocation in the documentation: "Rules for the allocation of telephone numbers (subscriber numbers) for public cellular mobile networks" of the Federal Network Agency [Lit.3] as of June 2006 is published.

The Allocation of telephone numbers for public cellular Mobile services to claimants takes place in the form of Number blocks (RNB, original assignment). An RNB basically includes 10,000,000 subscriber numbers

Of the Numbering space for public cellular mobile networks occupies the subareas (0) 15, (0) 160, (0) 162, (0) 163 and (0) 17 in Recommendation E.164 of the International Telecommunication Union (ITU) defined national numbering space for the public Telephone network / ISDN.

phone numbers to start for public cellular mobile networks with a two-digit service prefix preceded by the prefix (0) becomes. According to the Federal Network Agency, the service code is followed by a Subscriber number consisting of a block identifier and a terminal number consists.

Note. The service code is sufficient to distinguish the mobile service providers However, not why, within this patent corresponding location service identifier and block identifier for be used for this purpose.

Telephone numbers starting with (0) 15, s. 11 :

In subarea (0) 15, the block identifiers have two digits and the terminal numbers are always seven digits. The length of the subscriber numbers is thus basically nine digits and the national number in principle eleven digits:
The service code 15 and a block identifier identify an RNB with 10,000,000 directory numbers.

The ten RNB, where the first digit of the block identifier is identical is, form a contiguous number block (zRNB).

Telephone numbers starting with (0) 160, (0) 162, (0) 163 or (0) 17, s. 12 :

In subregions (0) 160, (0) 162, (0) 163 and (0) 17, the block identifiers are single-digit and the terminal numbers are always seven digits. The length of the subscriber numbers is thus basically eight digits and the national number in principle ten digits:
The service code 16 with the block identifiers 0, 2 and 3 and the service code 17 with the block identifiers 0 to 9 identify RNB with 10,000,000 telephone numbers.

phone numbers for public cellular mobile services Numbers within the meaning of § 3 No. 10 Telecommunications Act (TKG) dated 25.07.1996 (BGB1, IS.1120). The allocation of an RNB for public Cellular cellular networks are based on § 66 TKG according to these rules.

GPRS services do not have a phone number but use for addressing in the external IP Net zen a dynamic IP address from the IP address fund of the mobile network or optionally the Internet access provider IAP (for example T-Online) over the Internet access is established.

Assigned number blocks the Federal Network Agency

The The following table shows the current area code numbers (service and service codes) Block identifier) of the mobile operators in Germany.

Due to the legal obligation to network operator portability in mobile networks, numbers can also be operated by other mobile network operators. This is the case, for example, when a customer transfers his telephone number to another provider. 01505 Group3G (Quam) 01511 T-Mobile 01515 T-Mobile 01520 Vodafone 01566 Mobilcom 01570 E-Plus Mobile 01577 E-Plus Mobile 0160 T-Mobile 0162 Vodafone 0163 E-Plus Mobile 0170 T-Mobile 0171 T-Mobile 0172 Vodafone 0173 Vodafone 0174 Vodafone 0175 T-Mobile 0176 O2 (Germany) 0177 E-Plus Mobile 0178 E-Plus Mobile 0179 O2 (Germany) Table 1: Number blocks in the mobile sector, Source: Federal Network Agency: http://www.bundesnetzagentur.de

The terminal address IMEI ( 13 )

IMEI stands for "International Mobile Equipment Identify." These terminal addresses are defined in: "Provisional Rules for the Allocation of International Identifiers for Mobile Terminal Equipment", Federal Network Agency, January 2006 [Lit.4] ,

IMEI are one-to-one addresses of mobile terminals (ME) according to the GSM standards 03.03 of the European Institute for Standardization in Telecommunications (ETSI).

The Allocation of IMEI to claimants is in the form of blocks to 1,000,000 IMEI. An IMEI block can only be for one model be used.

IMEI blocks are needed by manufacturers and mobile network operators, to assign a one-to-one IMEI to each ME. The mapping of individual IMEI to ME and the use of IMEI is governed by the relevant GSM Association documents. IMEI is used by telecommunications networks to and model-specific features detected.

IMEI have international validity and meaning

An IMEI consists of 15 digits, each digit has a value range of 0 to 9. IMEI consists of an eight-digit IMEI block identifier and a seven-digit number sequence, which is managed by the manufacturer or by the mobile network operator. The IMEI block identifier consists of a type approval identifier (TAC) and a final assembly identifier (FAC), the first two digits of the TAC being an identifier of the Notification Authority. The Federal Network Agency for Electricity, Gas, Telecommunications, Post and Railways are assigned the numbers "49". The four following digits "xxxx" of the TAC indicate the identifier of a prototype. The value range is between "0000" and "9999". The value range "yy" of the FAC is between "00" and "99". The seven-digit number sequence to be managed by the manufacturer or mobile network operator consists of a serial number and a check digit (CD). The serial numbers "zzzzzz" are between "000000" and "999999". The coding and calculation of the CD are described in the relevant GSM standards.

IMEI are numbers within the meaning of § 3 no. 10 of the Telecommunications Act (TKG) dated 25.07.1996 (BGB1, IS 1120). The allocation of an IMEI block takes place on the basis of § 43 of the TKG.

The IMEI is stored in the device.

The subscriber number IMSI 14 )

IMSI (International Mobile Subscriber Identities) are identifiers according to the Recommendation E.212 of the International Telecommunication Union (ITU). IMSI become mobile wireless and wired services needed for addressing participants.

IMSI have international validity and meaning.

The Allotment of IMSI to claimants will be in the form of IMSI_Blocks (original allocation). An IMSI block comprises 10,000,000 IMSI.

Of the IMSI number space consists of the three-digit mobile country code (Mobile Country Code, MCC) for Germany (262), the double-digit Mobile network code (MNC) and a ten-digit number Identification number of the mobile subscriber (Mobile Subscriber Identification; MSIN).

One IMSI block is through the three-digit MCC and a two-digit MNC identified.

The Rules for the allocation of international identifiers for mobile subscribers were published in the Official Gazette of the regulator for Telecommunications and Posts (No.23 of 6 December 2000, Available 85/2000) and with Vfg. 11/2002, Official Journal 7/2002 and Vfg 55/2003, Official Journal 24/2003

IMSI are numbers within the meaning of § 3 no. 10 of the Telecommunications Act (TKG) dated 25.07.1996 (BGB1, IS 1120). The allocation of an IMSI block is based on § 66 of the TKG.

The IMSI is in the chip card (Subscriber Identification Module SIM) stored, which required for the operation of the terminal is. The SIM is additionally with a 4-digit password protection (Personal Identity Number PIN) secured to the device usage to be prevented by unauthorized persons.

In usually the PIN must be after activating the mobile device (colloquially cell phone) entered and confirmed with "ok" be, then the mobile phone is ready to talk. For safety reasons If the PIN is entered incorrectly three times, the SIM card will be used automatically blocked by the network operator (provider). The SIM Card can then but immediately again by entering the 8-digit PUK (Personal Unblocking Key) can be unlocked.

The PIN can be changed at any time by a shortcut on the phone or disabled

The unique subscriber and device identification service primarily for network-specific device-specific treatment of comfortable additional services (Value Addet Services VAS), cost accounting of communication services (even in foreign networks) as well to carry out surveillance measures according to the regulation on technical and organizational implementation of monitoring measures Telecommunications (Telecommunications Surveillance Ordinance TKÜV, current status 09.11.2005).

Existing mobile financial applications

Meanwhile, various solutions exist for carrying out payment and / or transfer with mobile phone support. Likewise, there are different methods for charging the payment card (prepaid map). Appendix 1 exemplarily describes different procedures of several special solutions between T-Mobile and Postbank. In addition, there are cooperations of different mobile service providers with different banks. These solutions are based on different methods. On the one hand, the mobile network is used as a secure terminal access network to a bank account, wherein a specific software within the bank provides a user interface for one or more fixed mobile stations to perform the predefined financial services with the comparably small display device of a mobile terminal , These in turn are carried out at the credit institution after authentication of the account holder and appropriate tactile feedback.

Other Procedures require the presence of the customer at the bank terminal. Also Here, a special software in conjunction with the manual ensures Terminal operation of the customer for a selectable Amount within a specified specially implemented operating menu debited from his bank account and his prepaid card becomes. In Austria a procedure is known, where the portable radio customer after appropriate registration and dialing a phone number within his mobile network a transaction of a predefined fixed Amount of money through collection procedure from his previously defined Bank account on his prepaid card can transfer.

Alles These methods have common features. In the used Accounts are accounts of mobile subscribers in banks, with which a special contract between mobile network and bank is closed and to hardware and software special solutions at the mobile operator, the bank or both to use by means of provided operating menus and / or implemented features and / or special client software in the mobile terminal and prepared menu software specifically per Software u. if necessary, operate Harfdware implemented features to be able to. The charge of prepaid cards is for the mobile operators of particular economic interest, because the outlets of the known scratch cards at the dealer are equipped with a sale proceeds for this, which is payable by the mobile service provider. That agreed with the bank Upload the payment cards from your own account to the card, or alternatively, the usual cash deposit at the gas station using credit card or Maestro terminals the mobile operator less fee. Some charging procedures, such as Postbank charging the prepaid card with a fixed amount provides that also only an online alternative for that agreed with a credit card manufacturer and about whose terminals are completed procedures. These procedures require usually also a prior application for the procedure in question with an appropriate configuration, for example the selection a fixed amount. Comfortable mobile devices with Internet browser or mail client enable the alternative mobile Account access to existing online procedures. However, this is As with the other procedures, a data connection between the contract bank and mobile network.

It Sometimes there are no financial accounts within the mobile networks unidirectional or bi-directional transaction possibilities any amounts to any financial institution or to other mobile phone accounts.

Also There is no common practice comparable to the banking world a simple transfer of any amount of money from any bank account to any mobile phone account using the standardized transfer forms and / or transfer masks of the bank terminals and / or online money transfer masks for internet banking. All existing transaction possibilities between bank and Mobile networks are based on proprietary special solutions. In general, there are special line connections between Telecommunication network and bank, special hardware solutions (Server facilities to operate the special services with access to telecommunications in-house and in-bank facilities and Data) as well as special operating software (clients) for mobile Terminals.

The Direct debit authorization for the invoice amount of one For example, authorized postpaid telecommunications contract the telecommunications company to collect the monthly invoice amount on the account of the telecommunications provider, not on the Account of the participant.

invention solution

The inventive coupling between mobile network and banking system deviates from the established systems of an individual solution of a specific mobile operator and a specific bank and is based on the coupling of the mobile network with the national clearing system of the credit institutions. In this procedure, the usual known transaction methods are also allied financial institutions to accounts of mobile subscribers in mobile networks and vice versa, which was previously not possible.

Of the also inventive connection of the mobile network to the usual terminals in the banking sector. and ATM systems, such as the ATM network the German banking industry, the global Maestro system, but also the connection to credit card companies, such as Cirrus, MasterCard or Visa allows participation in the worldwide cashless Payments at the point of payment (POS) and use worldwide ATM network for debit cards and credit cards

All future extensions of the banks or their networking are in the procedure according to the invention automatically compatible and require no additional Special solution in mobile network or the banking world in relation on the coupling of both systems.

A direct connection between the mobile network and a special bank, for example, a bank syndicate or a credit card company limited in conventional procedure, however, the Application to the available in this context Terminals and requires very individual software, hardware and Process solutions with considerable effort between the Business partners.

A Coupling between mobile network and network of networks sets common Addressing and account number systems in the mobile network ahead, the are not available yet ..

According to the invention The subscriber number in the mobile network as a mobile phone account number used.

For Financial transactions with established credit institutions is compatibility on the national and international labeling systems of the Banks and the related data networks and transaction procedures the banking systems required. By corresponding inventive Adjustments or transfers / conversions between the number systems of the banks on the one hand and the subscriber number in the mobile area, on the other hand, which explains below technical compatibility is established.

special Attention was paid to the fact that the invention Method realizable with the existing addressing structures is so that the technical and economic implementation is not insurmountable Inhibitions are in the way. Certain inconveniences of numbering systems in the banking sector must, as described below, here be accepted. The invention will be exemplified below explained.

International mobile phone account number IMAN

15 shows the use of the complete directory number without traffic elimination number (prefix = 0). The IRAN structure is not changed in this case and consists in this case of the known country code according to ISO 3166-1, the respective check digit according to ISO 13616 and according to the invention the national mobile phone number assigned by the Federal Network Agency according to Lit.3. The mobile number is variable in length, depending on the service code, and thus generates a variable-length IMAN code ( 15-a ). For application areas with a given fixed IBAN length, a left-sided filling of the empty positions with zeros (in the example 15-a indicated by (0)).

Optionally, the mobile phone number can be used by a country code, for example, the three-digit mobile country code (MCC) used in the mobile radio system, or preferably the country code (Country Code CC) standardized by ITU (International Telecommunication Union). This "complete" international directory number improves the overview and reduces the possible error potential in connection with the country code of the IMAN field.To exactly characterize the beginning of the complete telephone number in this case, for example, the plus sign preceded .. The traffic separation rate is internationally disparate and therefore dispensable (example: Europe / mainly 00, USA and Canada 011, Cuba 119, South Africa 09). 15-b shows such an example of a complete international directory number within an IMAN structure. Here, too, optionally empty IMAN fields can preferably be filled with zeros on the left-hand side before the plus sign, in order to achieve a fixed IMAN length which is necessary as required.

16 shows an example of the inventive identifier method using the IBAN structure at an Internet address that identifies an Internet account. The resulting International Internet account number IIAN contains the complete Internet identification, here for example an e-mail address of an Internet service provider. You can also use IP addresses and URLs.

The would be within the existing framework IBAN specification according to ISO 13616 on the technical Institutions of the banking networks are internationally compatible, but can, for example, in national payments in Germany z. Z. not without change measures within the banking networks and bank computers are used, as in this Field of application fully automated connection networks based on the IBAN converted bank code and account number exist. The conversion devices could be with the aforementioned Therefore, do not handle the procedure nationally.

The IMAN differs from the IBAN in that it is used as a license plate for an account within a mobile network.

Mobile phone account number MKN

17 solves the conversion problem and shows an example integration of a mobile phone number in the existing Bankleitzaht- / account number procedure of the German credit institutions. From there, the process is again compatible with all automatic systems that use either BLZ and KNR or IBAN. The BIC also used in payment transactions plays no role in this context. He has only reference to the financial institution, but not to the account and must therefore be defined independently, stored and used.

The national subscriber number (in the example with (0) 15 block identifier, d. H. with a length of 11 digits) does not fit into the 10-digit field of the K-Nr. This is the simplest conceivable Procedure not possible. It may be shorter Mobile phone numbers, or even numbers within other telecommunications networks exist, a universal uniform problem solution however, requires additional measures. The invention The method therefore includes an alternative common Approach for telecommunications numbers of any Length.

The The terminal number is from the service code and the block identifier (Network ID) split off and used as mobile phone account number (MKN). The mobile phone account number is thus comparable to a bank account number. Similar how to re-assign a bank account number in each store can be used multiple times at a major bank, is the end device number in the mobile network multiple times and for subscriber identification only in connection with service code and uniquely assign the block identifier. In principle, this is enough also a splitting off of the service code, since the remaining call number body over 9 digits and thus fits into the MKN field. Now However, several German mobile network operators share the Service Code (0) 15. The provider is first in the block identifier visible, noticeable. Within a mobile network account for the selection another subscriber both service code and block identifier.

Service code and block code are colloquially summarized to the network code, which is not directly apparent on the representation of the number space of the Federal Network Agency, however, in the figures 11 and 12 already inserted. In principle, the remaining 7-digit subscriber number can be arranged right-justified in the MKN field and the field left filled with zeros. This procedure would be practical. When entering and using the MKN in the banking network, the procedure corresponds to the check digit code "09" of the German Bundesbank without check digit and thus poses a security risk, since no check on the input terminal for correctness can take place.This is in terms of subscriber number clear though, but how According to the invention, field 10 is therefore also reserved for the check digit at MKN and the 7-digit subscriber call number is positioned to the left, and the two remaining empty starting positions are padded with zeroes.

in the Case of a shorter terminal number, are corresponding to fill more empty spaces. As usual in the banking industry, Missing positions are not entered manually, but in the electronic payments automatically added. at the reverse conversion from MKN to the subscriber number the field 10 accordingly not taken into account. It is for testing purposes only.

Mobile Bank Number MBLZ

The Terminal number is thus obvious to everyone usable and extractable. The remaining service code is summarized with the remaining block identifier and instead of the institute 's own numbering within the BLZ in the last four digits of the MBLZ inserted (without traffic separation number "0"). Alternative service codes (for example, (0) 16) with single digits Bank code are left-sided with a leading Zero added.

For the first 4 numbers of the MBLZ also comes in accordance with the invention Special scheme for application, since the framework of the present Patent patents considered communication networks, especially mobile networks in the existing administrative framework of the first 4 positions of the BLZ are not provided so far.

position 4 (banking group) of the BLZ is reserved for the Deutsche Bundesbank (Ref 6). For communication networks according to the invention a Derogation, since communications networks have so far been outside the viewing frame when defining the BLZ were and a zero in position 4 in particular a clear separation and recognition of the Guaranteed the following service codes from position 5, what the potential error possibility in the conversion of subscriber number in MBLZ and MKN or the backward Conversion concerns. Alternatively, in position 4 the MBLZ the number 1, 2 or 3 used.

The clearing area, or the place number would be customary for banks in the case of mobile networks, the place of business registered in the commercial register. As a rule, it is unlikely that branch networks will be maintained in the area of mobile communications. Accordingly, for example, the number "380" would be correct for the seat of T-Mobile International AG & Co. KG in Bonn, but now the "380" is reserved for the place of the Land Central Bank and would in particular with the identifier "0" in position "4" lead to considerable irritation. The number 381 is reserved for the city Bonn, 382 for Euskirchen. Both are not applicable for the same reason of error in the mobile sector. 383 is free and could theoretically be used. However, this leads to a very confusing situation when mobile networks, or in general communication networks and possibly Internet accounts are strewn into the place number system of the banks. A better and less error-prone application is therefore the solution favored according to the invention of using the largely unused bank space in clearing area "1." Since clearing area "1" is used for the federal capital, the area is predestined for a special solution. In the present example, the free number space starting from 110 is used in accordance with the invention for the mobile radio provider 110. Bankplatz provider 110 T-Mobile International AG & Co. KG 111 reserved for later use within the meaning of the patent application 112 " • " •. "

This Procedure is very clear. The overpass as in BLZ and KNR, adding to the IMAN is usually done of check digit and country code.

17 illustrates the procedure on the basis of the subscriber number (0) 1511 1234567

18 shows the same procedure without registered subscriber number. Here only the number and character positions of the individual fields are shown.

alternative Clearing area "9" can also be used for clearing area "1" used for such applications in telecommunication networks become. Since the area "9" is so far unused, can Also used there advantageous contiguous areas become.

The MKN. Check digit is in 17 by way of example and in this case with the number 4 attached. The MKN is padded with zeros on the left side. The MBLZ begins in the described procedure with the numbers 110 0, followed by the service code 15 and the block identifier 11. The IMAN implementation is carried out according to the described procedure. An addition of a country code in this case does not contribute to the overview and would also not be compatible with the national IBAN procedure.

Branch-specific BLZ versus Network code specific MBLZ

The Mobile network thus has at least for each side Federal Network Agency assigned network identifier (service code with block identifier) a the appropriate separate mobile phone bank code. The bank-specific system of branch-specific bank code is replaced in the mobile sector by a system of network key figures.

Issue Number Portability (Number Portability)

The Federal Network Agency has determined that mobile customers can take their entire subscriber number when switching to another mobile operator. This results in the problem that providers, such as T-Mobile, mobile subscribers may have under contract, which have subscriber numbers from the assigned number blocks (service code and blocking code) of, for example, Vodafone, E-Plus or O2 and vice versa. The described mechanism of pos. 5-8 of the MBLZ (cf. 17 ) can not solve this problem, since the information of the network, within which the mobile subscriber is located, in the case of a provider change taking along the previous subscriber number is not recognizable.

Transfer On the banking world imagine the problem, a bank customer could take another one with his bank account number Change bank. Also with banks is not to be assumed that the number at the destination bank is still free.

The Nevertheless, problem can according to the invention in two alternative ways are solved.

The The first solution variant consists of a central register between the mobile companies, adding at least those Participants are listed, have ever changed, d. H. no "regular Network map. "This registry must be maintained by all providers be maintained and is in common interest. The routing In this case, the cash-cling system to the mobile network takes place via the central register. Alternatively, the central register mobile side queried and routed to the relevant network forwarded. Both are technically feasible, but generates administrative and Cost, is safety relevant and causes complex traffic flows. Another variant of this procedure would be that a mobile network verifies whether the subscriber is still in the Network is, or with his phone number at another company is under contract and accordingly the connection request (here transaction request) to this network directly forwarded. Mobile phone companies are usually about customers who take the net with you leave the subscriber number informed, otherwise danger exists that this number is re-assigned in the old network and thus would be duplicated. This procedure holds the same Disadvantages, such as the central register solution described above.

According to the invention therefore favored another method. The provider defines as already shown, per network ID (service code with block ID) its own bank code, which is in the BLZ database of the German Federal Bank including indication of the applicable check digit method for the assigned account number area is stored. additionally Each provider defines its own bank code for each Network identifier that another mobile operator in the territory assigned. Wear this "portability" MBLZ in position 5-8 the respective network identifier of the competitors, However, they differ to him by specifying the wireless service provider in position 1-3.

Example:

T-Mobile MBLZ for the network identifier (0) 1511 according to the procedure described:
1 1 0 0 1 5 1 1

T-Mobile MBLZ for a hypothetical switched subscriber from a hypothetical V-network with the network identifier (0) 162:
1 1 0 0 0 1 6 2

In contrast, the same subscriber would have the V-Netz-MBLZ
1 0 4 0 0 0 1 6 2,
if he would participate in the process according to the invention and the bank seat 104 would have been assigned by the Deutsche Bundesbank by special arrangement.

The MBLZ becomes the mobile subscriber of the respective contract network operator communicated.

According to the Table 1 of the Federal Network Agency listed above with currently 20 assigned network IDs to German mobile phone Providers are inventively 20 different Bank codes for T-Mobile, located within the positions 5-8 of the BLZ differ, but all about in number-economic procedure to the same bank 110 are assigned.

Example Table 2: National T-Mobile MBLZ block

• NP: gewechselt unter Mitnahme der Telefonnummer (Number Portability) von....

Thus, for example, a national T-Mobile MBLZ block for T-Mobile subscribers results as follows. LFND. No. MBLZ Award of the use Federal network Agency 1 11001511 T-Mobile Original T-Mobile parts. 2 11001515 T-Mobile Original T-Mobile parts. 3 11000160 T-Mobile Original T-Mobile parts. 4 11000170 T-Mobile Original T-Mobile parts. 5 11000171 T-Mobile Original T-Mobile parts. 6 11000175 T-Mobile Original T-Mobile parts. 7 11001520 Vodafone changed NP Vodafone 8th 11000162 Vodafone changed NP Vodafone 9 11000172 Vodafone changed NP Vodafone 10 11000173 Vodafone changed NP Vodafone 11 11000174 Vodafone changed NP Vodafone 12 11001570 E-Plus Mobile changed NP E-Plus 13 11001577 E-Plus Mobile changed NP E-Plus 14 11000163 E-Plus Mobile changed NP E-Plus 15 11000177 E-Plus Mobile changed NP E-Plus 16 11000178 E-Plus Mobile changed NP E-Plus 17 11000176 O2 (Germany) changed NP O2 18 11000179 O2 (Germany) changed NP O2 19 11001505 Group3G (Quam) changed NP Group3G 20 11001566 Mobilcom changed NP Group3G

• NP: changed by taking the phone number (Number Portability) from ....

International extensions

Size Mobile telephony companies like T-Mobile are international in numerous Countries with their own network. Now, the inventive method can of course in an adapted manner (country specific identifiers for IMAN etc.) in each of these countries. Economic considerations and security issues, however, speak more for a central one Installation of the system with international access. Internal network for the accessibility of the MFS by the participants of individual Mobile networks this poses no problem because the networks over Gateway MSC and / or GGSN are coupled and in these ways the secure access is possible. The cost of financial transactions, if, for example, a mobile subscriber from the UK his prepaid account via the T-Mobile network in Germany charging, plays according to specification according to EU Directive in single Euro Payments Area SEPA in the future no longer matters, as the transfer fees must be harmonized for this purpose.

In addition to the technical implementation as a basis for the coupling of the individual networks with the MFS, the addressing procedure for such applications must be analyzed. The transfer from abroad to T-Mobile is not a problem because the described IMAN procedure with integrated MBLZ and mobile phone account number is used for this purpose. For the complete subscriber number in the relevant foreign network, 4 digits of the MBLZ and 9 digits (maximum 10 digits if no check digit is used) are available to the mobile phone account number. This is sufficient according to ITU (CCITT) recommendation. However, the national country code can not be included within MBLZ and MKN for reasons of space. The IBAN of a German bank must comply with the BLZ / K-Nr regulation. In special cases, the aforementioned positions may be identical in foreign networks. In order to distinguish this situation, according to the invention, for each country within which the mobile radio maintains its own network and which is involved in the method according to the invention, a German mobile phone bank code with its own mobile communication company identifier (bank seat) is reserved.

Example:

A German subscriber, for example, in the T-Mobile network with the subscriber number (0) 1511 1234567 (country code + 49) has the following MBLZ and MKN: MBLZ MKN 1 1 0 0 1 5 1 1 001234567 4 (last position = optional check digit, country code not included)

A hypothetical participant in the UK, coincidentally has the same subscriber number: (0) 1511 1234567 (country code + 44) u. According to the invention, the following MBLZ and MKN: MBLZ MKN 1 1 1 0 1 5 1 1 001234567 4 (last position = optional check digit, country code not included)

To the Difference of a German participant with a mobile enterprise ID 110 here becomes the identifier 111 for another company (the partner company) used. By this measure can The Mobile Finance System makes a clear distinction even when identical national subscriber number.

Example Table 3: Inventive international T-Mobile MBLZ block

For international networks in the T-Mobile network, the following international T-Mobile MBLZ block results, for example, according to the system described according to the invention: LFND. No. MBLZ reserved for: 21 1110xxxx T-Mobile Austria (Austria) 22 1120xxxx T-MobileCZ (Czech Republic) 23 1130xxxx T-Mobile network lands (Netherlands) 24 1140xxxx T-Mobile UK (Great Britain) 25 1150xxxx T-Mobile USA (USA) 26 1160xxxx PTC (Poland) 27 1170xxxx T-Mobile Croatia (Croatia) 28 1180xxxx T-Mobile Hungary (Hungary) 29 1190xxxx T-Mobile Slovensko (Slovakia) , , , ,

The coupling according to the invention between the mobile radio network and the banking system takes place by coupling the mobile radio network to the cash clearing system of the banks ( 1 ). In Germany, for example, this can be the RTGSplus system of the Deutsche Bundesbank or alternatively the connection to the house bank system of the Deutsche Bundesbank, which in turn offers access to the RTGSplus system.

With the inventively defined addressing methods MKN, MBLZ and IMAN (the BIC / MBIC can be defined independently of the account structure) can thus an automatic transfer between the accounts of the mobile subscriber on the one hand, which are represented by their subscriber number, and any bank account of a bank customer on the other hand both directions. National credit institutions can be reached via the RTGSplus system (via KNR and BLZ), and international banks of the Target system are connected via the Deutsche Bank's Swift Interlinking system and the National RTGS Interlink systems of partner countries (using IBAN and BIC). In the case of outgoing traffic, the IBAN and BIC of the foreign account must be indicated; in the case of outgoing traffic, the foreign bank customer must use the German IBAN and BIC (with BLZ and K no.). For transactions involving participating accounts in mobile networks, the respective mobile network identifiers are to be used as a substitute.

The abbreviation MFS (Mobile Finance System) is used below for the entire account management and financial system. In this case, the interface coupling between the mobile radio network and the clearing system of the banks assumes the CCG (Cash Clearing Gateway). The CCG supports the interfaces to the cash clearing system specified in the banking network, in this case for RTGSplus and HBV, for example. According to reference 5, the Deutsche Bundesbank currently supports connections according to the FTAM (File Transfer and Access Management according to OSI, ISO and DIN), X.400 (Message Handling System MHS to ITU (CCITT)), OFTP Odette File Transfer Protocol according to Recommendation 4914/2 of the German Association of the Automotive Industry and since January 2006 SWIFTNet FileAct ( http://www.swift.com/referenceinformation/index.cfm ).

additionally The CCG offers an interface to the bank code file of the Germans Bundesbank BLZ-D. This interface is for bidirectional Money transfer to other banks required with it automated transactions the check digits according to the each required convention can be calculated. The check digit calculation is institution-dependent. The Deutsche Bundesbank manages the different procedures. The bank code file contains a directory of accredited ones Credit institutions in the Federal Republic of Germany together with characteristic Features for payment transactions - for example the check digit calculation method used. For outgoing payments, the MFS needs a check the account number of the destination account and the sender subscriber number of the own participant according to the own check digit procedure code and generate BLZ and KNR as sender details. additionally Of course, plausibility, creditworthiness and permission controls for the intended financial transaction. For incoming payments, the MFS must have the mobile phone account number to verify correctness, an implementation of MBLZ and MKN. on Perform the internal account structure of the subscriber line number and verify if the account mentioned at all exists - along with checking the required authorizations.

The CCG calculates the check digits more detailed on this basis and outgoing transactions, sent in faulty receive case an error message to the sending institute, or in the transmission case with Mobile subscriber side faulty registered K-Nt. of the external or in-mobile receiver account an error message to the administration system as well as the participant.

The CCG is for automatic conversion / conversion between Subscriber number, and Subscriber account number, Mobile bank code number, Mobile BIC and IMAN responsible for electronic payments.

The MFS (Mobile Finance System) is the central control system in the MFS. It stands with a database, the mobile phone accounts directory MAR (Mobile Account Register). The MAR contains one Directory of all in the mobile network, u. if necessary foreign Networks, existing account numbers of mobile subscribers and their existing features / services associated with the accounts; Parameters and restrictions.

On this way can differentiate between subscriber accounts who are allowed to participate in the transaction procedure or want, and others who choose this service from different Do not take up reasons (can). As well are related to financial services in this context standing services, such as transfer limits, Blocking, automatic collection, standing orders, Credit lines, but also PINs, passwords, TANs etc.

One separate MFS allows a data-driven Decoupling from the other systems of the SCN, a fast Reaction time for transactions and a technical as well Personnel decoupling of all with the security-relevant business field "Finance" related tasks in the mobile network. Alternatively you can Parts of the MFS or the complete implementation within appropriate Components of the SCN, for example in the CCBS, in the IN system or in the HLR be realized.

The MFS is coupled to the SCN via Finance System Interface FSI. Here is an at least Partial administration by the CCBS, which is also used for monthly settlements etc. CCBS and MAR automatically balance their data, for example the current account balance.

The CCG protects in the mobile network against misuse attempts from cash clearing system and shields the MFS in this regard from. Conversely, it ensures a safe abusive Access to the cash clearing system from the mobile network.

The FSI assumes a comparable safety task between MFS and SCN.

Account management, and Administration of the MFS are preferably used by CCBS or optionally done separately, the administration of the security-relevant Conversion, protection and control functions are preferably over a special MFS administration terminal by specially trained and sworn employees.

The FSI is optionally connected to external service control networks such as the central arrangement of financial services within a multinational mobile group.

The Terminal Access Interface TAI provides a user interface mobile devices within the network. Foreign partners are using the Gateway MSC so that no separate access is required here. Different access technologies, such as Wireless Access Protocol WAP, web-based systems, SMS, MMS, etc. supplied here with its own suitable interface.

Out economic reasons are useful protocol parts outsourced optionally to system components of the SCN, or be used there. As an example, here is the central channel signaling method Called SS7, which is required for signaling with the MSC would be and with very considerable implementation effort afflicted is. When outsourcing the mobile-specific protocols can within the MFS and between FSI and SCN at least to a large extent uniform TCP / IP protocol structure.

The TAI also optionally provides online access to account management for example for home and internet banking, which is additionally secured against misuse (for example using HBCI or FinTS protocol, firewall etc.).

One optional Terminal Network Interface TNI allows the Connection of national and international bank terminals, ATMs and POS systems etc.

about This interface can also special solutions with business partners in the field of financial services operate.

The TNI fulfills comparable bilateral protection functions against abuse like the CCG.

The MFS can be partially or completely outsourced from the mobile network and operated, for example, independently in a dedicated Mobile Telecommunications Financial Services Company (MFSI) or at a contracted bank. On the other hand, individual components in connected mobile networks / network cooperations may be multiple. For example, a CCG and optionally a TNI could be installed in each mobile network, if this in conjunction with the country-specific interface lines connected to clearing systems and terminal systems at the national level (there are usually used leased lines in the banking system) cheaper u. so that it is more economical. For appropriate outsourcing, the fci (Finance Clearing Interface) and the fti (Finance Terminal Interface) are available (s. 1 ). The FCS can thus each operate several CCG and TNI. The partial outsourcing of MFS functionalities is usually more economical than a complete installation of an MFS in any mobile network of partners.

optional there is the possibility to directly connect one or more several mobile networks together via MFS (CCG) to the international cash clearing network, for example one's own RTGS component to the TARGRT system.

Transaction schemes of the inventive coupling of mobile network and banking network, s. 19

The both on the national and international RTGS system Mobile networks PMLN are comparable to those at the center of consideration standing mobile network according to the invention at cash Clearing system of the banks directly switched on. It will be at the listed transaction types are not explicitly mentioned.

The below drawn Mobilfunknet is a partner network and directly with connected to the mobile radio system to be considered. It has own FMS or use the FMS with.

The network-internal initiation via mobile radio terminal or alternatively home banking via connected internet is not considered differentiated.

The listed transaction direction refers to the mobile phone account. 1) Bidirectional national transfer of mobile account to / from bank account outgoing: Mo NBFT Mobile Originated National Bank Finance Transaction incoming: Md BNFT Mobile Destinated National Bank Finance Transaction 2) bidirectional international transfer of mobile account to / from bank account outgoing: Mo IBFT Mobile Originated National Bank Finance Transaction incoming: Md IBFT Mobile Destinated National Bank Finance Transaction 3) network transfer from / to mobile account internal: Mi-FT Mobile internal Finace Transaction 4) bidirectional national / international transfer of mobile phone account to / from an internet account outgoing: Mo IPFT Mobile originated Internet Finance Transaction incoming: Md IPFT Mobile destinated Internet Finance Transaction 5) CashCard application, transfer / debit to a POS system outgoing: Mo PAFT Mobile originated POS to Air Finance Transaction incoming: Md PAFT Mobile destinated POS to Air Finance Transaction 6) Bank terminal applications Incoming / outgoing: BT-FT Bank Terminal Finance Transaction

The procedure is comparable to a transaction by mobile terminal or via home banking / online banking. The main reason for the separate listing is the fact that the terminal operator is usually involved in this process with a fee. ATM outgoing, take off: Mo ATMFT Mobile Originated Automated Teller Machine Finance Transaction arrive, deposit: Md ATM FT Mobile destinated Automated Teller Machine Finance Transaction outgoing: Mon-PFT Mobile originated POS Finance Transaction incoming: Md PAFT Mobile destinated POS Finance Transaction

• 8) Netzübergreifender Überweisungsverkehr funktioniert nur, wenn das PMLN an das MFS angeschlossen ist und der entsprechende Teilnehmer autorisiert ist. In dem Fall sind die Fälle vergleichbar mit den Fällen 1–6.

POS, ATMs and BT applications can be performed either with a legitimized by the mobile network card (credit card or eC card) or alternatively by mobile authentication using a mobile device, if the machines and devices are able to do so. 7) Transfer between mobile networks from / to mobile account outgoing: Mon-MFT Mobile originated Mobile Finace Transaction incoming: Md-MFT Mobile destinated Mobile Finace Transaction

• 8) Inter-network transfer traffic only works if the PMLN is connected to the MFS and the corresponding subscriber is authorized. In that case the cases are similar to cases 1-6.

Drawings and equipment

1 Coupling of mobile and banking network

2 : IBAN - Structure

3 : BIC structure

4 : Structure of bank sort code BLZ

5 : Structure of the account number

6 : Cross-border RTGS settlement in the TARGET system

7 : Cross-border EURO customer payment in the TARGET system

8th : Schematic network structure of a bank

9 : Schematic network structure in the 2G / 3GPP mobile network

10 : Explanations to 9

11 : Mobile phone number space (0) 15

12 : Mobile telephone number ranges (0) 160, (0) 162, (0) 163 or (0) 17

13 : Mobile radio identifier for terminal equipment (IMEI)

14 : Mobile radio ID for subscribers (IMSI)

15 : Example for the direct use of the subscriber number within the IBAN

structure

16 : Example for the direct use of an Internet address within the IBAN

structure

17 : Example for the conversion between mobile phone number, MBLZ, MKN and

IMAN

18 : Use of national mobile phone number as identifier for

financial transactions within national and international cash clearing

Systems the financial industry

• Lit. 1 Bankleitzahlen-Richtlinie, Deutsche Bundesbank, Stand 19. Januar 2006 .
• Lit. 1: Bankleitzahlen-Richtlinie, Deutsche Bundesbank, Stand 19. Januar 2006 .
• Lit.2: Prüfzifferberechnungsmethoden zur Prüfung von Kontonummern auf ihre Richtigkeit, Deutsche Bundesbank, Ausgabe Juni 2006 )
• Lit. 3 Regeln für die Zuteilung von Rufnummern (Teilnehmerrufnummern) für öffentliche zellulare Mobilfunknetze" der Bundesnetzagentur im aktuellen Stand Juni 2006
• Lit. 4: Vorläufige Regeln für die Zuteilung von Internationalen Kennungen für mobile Endeinrichtungen", Bundesnetzagentur, Stand Januar 2006
• Lit. 5: Spezifikation für den elektronischen Zahlungsverkehr der Deutschen Bundesbank, Deutsche Bundesbank, Version 1.1
• Lit. 6: Liste der Bankleitzahlen/Online-Suche (Deutsche Bundesbank) http://www.bundesbank.de/zahlungsverkehr/zahlungsverkehr_bankleitzahlen_listeblz.php?mo de=blz&blz=&name=&location=&op=or&start=0&count=10 oder alternativ im Download als komplette Datei für unterschiedliche Dateiformate in jeweils aktueller Fassung: http://www.bundesbank.de/zahlungsverkehr/zahlungsverkehr_bankleitzahlen_download.php

19 : Transaction scheme for the coupling of mobile and banking networks

• Ref. 1 Bank Code Guideline, Deutsche Bundesbank, as of 19 January 2006 ,
• Ref. 1: Bank Code Guideline, Deutsche Bundesbank, as of 19 January 2006 ,
• Lit.2: Check Digit Calculation Methods for Checking Account Numbers for Correctness, Deutsche Bundesbank, June 2006 issue )
• Ref. 3 Rules for the allocation of telephone numbers (subscriber numbers) for public cellular mobile networks "of the Federal Network Agency as of June 2006
• Ref 4: Provisional Rules for the Allocation of International Identifiers for Mobile Terminal Equipment ", Federal Network Agency, January 2006
• Ref 5: Specification for electronic payments of Deutsche Bundesbank, Deutsche Bundesbank, Version 1.1
• Ref 6: List of Bank Codes / Online Search (Deutsche Bundesbank) http://www.bundesbank.de/zahlungsverkehr/zahlungsverkehr_bankleitzahl_listeblz.php?mo&=blz & blz = & name = & location = & op = or & start = 0 & count = 10 or alternatively in the download as a complete file for different file formats in the current version: http://www.bundesbank.de/zahlungsverkehr/zahlungsverkehr_bankleitzahlen_download.php

Annex 1: Press release from T-Mobile and Postbank from 18.05.2005

• • Exklusive Partnerschaft bei der Aufladung von Prepaid-Guthaben an Geldautomaten
• • Promotionaktion für Xtra Cash&Go: T-Mobile Kunden erhalten 5 bzw. 10 EUR bei Aufladungen über 30 oder 50 EUR hinzu
• • Xtra Cash&Go: Xtra-Konto ganz einfach an Geldautomaten, EC-Kartenterminals und via Internet aufladen

T-Mobile and Postbank expand cooperation

• • Exclusive partnership in charging prepaid ATM deposits
• • Promotion for Xtra Cash & Go: T-Mobile customers will receive 5 or 10 EUR for charges over 30 or 50 EUR
• • Xtra Cash & Go: Charge your Xtra account easily at ATMs, EC card terminals and the Internet

T-Mobile and Postbank expand their collaboration: XtraCard users, which are also customers of Postbank, can now At their bank ATMs their prepaid mobile account charge. There is a good reason for Xtra customers to to run her account at Postbank - and for Postbank customers recommend the XtraCard for the mobile Communication. T-Mobile and Postbank started the cooperation at the CeBIT 2004. The aim of the partnership is the further development of mobile banking in Germany. Belong by now In addition to account balance query and sales also transfers and stock orders to the service offer on the mobile phone or the PDA Phone. Most recently, at the CeBIT 2005, the distribution of the mobile OfflineClients launched StarMoney Mobile 2.0.

This is how the ATM works: You need your Postbank Card, PIN and the mobile phone number of your Xtra card. After inserting the Postbank Card into the ATM and entering the PIN, the screen will display the option "Charge your mobile phone." Here, the customer enters the mobile phone number and then selects a charge amount that will be debited from the checking account There are no costs, the locations of Postbank ATMs are under free internet
www.postbank.de/
ATMs or via mobile phone in T-zones, the mobile multimedia portal from T-Mobile, under Mobile Banking interrogated with the ATM finder.

In addition, all Xtra customers can look forward to a holiday extra
T-Mobile look forward to: If they are between 17 June and 17 July 2005
T-Mobile automatically increases the amounts to 35 or 60 EUR on their Xtra account via Cash & Go. As part of the cooperation, Postbank customers will even receive the bonus as of May 20, 2005 when charging at ATMs at their institute. Also on this date, the "Xtra-Extra" is also available at post offices and agencies when charging via Cash & Go at the EC card terminal, where non-Postbank customers can also recharge.

With The promotional offer from T-Mobile is now particularly worthwhile The Xtra account is comfortable with Cash & Go instead of the XtraCash To refill the scratch card. And above all: with the additional credit does It's even more fun, for example, from vacation friends to call, to greet by SMS or MMS or the To give young people phone money. The increase of the prepaid credit for 5 or 10 EUR takes place exclusively during the promotion period Cash & Go transactions to the Xtra account in the amount of 30 and 50 EUR. For boots the Xtra account via XtraCash ruble cards or Cash & Go for the top-up amount of 15 EUR will not be granted a bonus. T-Mobile does the extra Credit also for multiple Cash & Go account charges in the context of Campaign.

By Cash & Go can Xtra customers at ATMs, at cashless terminals Payment as well as via the internet to recharge their prepaid credit. The desired amount (15, 30 or 50 EUR) is directly after the deposit is available for mobile communication. Customers of Postbank as well as the savings banks and the Volksbanken and Raiffeisenbanken can quickly, at many ATMs of their institutes, simply and around the clock with your bank card by entering the Deposit Xtra phone number into your Xtra account. The chosen one The amount is then debited from the current account. As part of the cooperation between Postbank and T-Mobile is the recharging service at ATMs Postbank exclusively for Xtra customers.

All T-Punkt, post offices and agencies, Karstadt department stores, Schiecker branches as well as many gas stations and other outlets offer the Cash & Go charging process EC-card terminals. Xtra customers pay cash, via EC or Credit card, the seller gives the amount at the terminal and the customer confirms by typing in twice his Xtra phone number. The Xtra account load will be accompanied by a receipt approved.

In addition, the credit can be conveniently located on the Xtra account from home via the Internet www.t-mobile.de/cashandgo fill up. After a short registration, Xtra customers simply enter their mobile phone number and the desired prepaid amount.

QUOTES INCLUDE IN THE DESCRIPTION

This list The documents listed by the applicant have been automated generated and is solely for better information recorded by the reader. The list is not part of the German Patent or utility model application. The DPMA takes over no liability for any errors or omissions.

Cited non-patent literature

• - Bank Code Guideline, Deutsche Bundesbank, as of 19 January 2006 [0039]
• - Check Digit Calculation Methods for Checking Account Numbers for Correctness, Deutsche Bundesbank, June 2006 Edition [0048]
• - www.geldkarte.de [0090]
• - "Interface specification for remote data transmission between customer and bank according to the DFÜ Agreement, as of: November 3, 2005, Version 2.0" (DFUE@SIZ.DE) [0109]
• - www.ebics.de [0110]
• - http://www.sibs.pt/ [0115]
• - http://www.euro6000.es/ [0115]
• - www.3gpp.org [0136]
• - "Rules for the allocation of telephone numbers (subscriber numbers) for public cellular mobile networks" of the Federal Network Agency [Lit.3] in the current version June 2006 [0170]
• - "Provisional rules for the allocation of international identifiers for mobile terminal equipment", Federal Network Agency, January 2006 [Lit.4] [0182]
• - http://www.swift.com/referenceinformation/index.cfm [0254]
• - Bank code number, Deutsche Bundesbank, as of 19 January 2006 [0303]
• - Bank code number, Deutsche Bundesbank, as of 19 January 2006 [0303]
• - Check Digit Calculation Methods for Checking Account Numbers for Correctness, Deutsche Bundesbank, June 2006 Edition [0303]
• - Rules for the allocation of telephone numbers (subscriber numbers) for public cellular mobile networks "of the Federal Network Agency as of June 2006 [0303]
• - Provisional Rules for the Allocation of International Identifiers for Mobile Terminal Equipment ", Bundesnetzagentur, January 2006 [0303]
• - Specification for electronic payments of Deutsche Bundesbank, Deutsche Bundesbank, Version 1.1 [0303]
• - List of Bank Codes / Online Search (Deutsche Bundesbank) [0303]
• - http://www.bundesbank.de/zahlungsverkehr/zahlungsverkehr_bankleitzahlen_listeblz.php?mo de = blz & blz = & name = & location = & op = or & start = 0 & count = 10 [0303]
• - http://www.bundesbank.de/zahlungsverkehr/zahlungsverkehr_bankleitzahlen_download.php [0303]
• - www.postbank.de/ [0306]
• - www.t-mobile.de/cashandgo [0311]

Claims (43)

Coupling of banking and telecommunications networks, characterized in that one or more mobile networks via interfaces directly or indirectly to national and / or international electronic clearing facilities of the banking industry (bank clearing systems), especially cash clearing facilities, such as the international SWIFT network and / or the European TARGET / RTGS system, or the RTGSplus system of the Deutsche Bundesbank or alternatively the HBV or EMZ system of the Deutsche Bundesbank, which in turn are connected to the RTGSplus system, etc., via a special interface device are connected physically or by means of a logical connection via, for example, direct connections, packet data networks or IP networks to the mobile subscribers extended financial services and in particular at least unidirectional, but preferably bidirectional financial transaction options using their network-internal Teilneh which are preferably represented internally within the network by the directory number and which are structurally compatible with the usual banking procedures in the banking industry, such as bank account number (KNR), bank code (BLZ), international bank account number (IBAN) and bank information code (BIC) Account identifiers, such as the preferred directory number, as appropriate to corresponding external code methods, such as Mobile Phone Account Number (MKN), Mobile Bank Code Number (MBLZ), International Mobile Phone Account Number (IMAN), and the mobile subscription bank identification code (MBIC) within an im Mobile network arranged hardware or program controlled device (MFS, 1 ) are converted with access to the subscriber data stored in the SNC of the mobile network and vice versa, wherein the number is automatically compiled so that intra-network subscriber number as such and also the special identifier of the mobile network (area code / Providerkennung) for visual visual inspection optionally still within the converted License plate is recognizable ( 17 ). The MBLZ differs from the BLZ only in that it is used within the structure specified by the German Federal Bank in an adapted manner for a mobile network and in this embodiment within the technical institutions of the banking industry and the bank's own data networks is compatible and thus trouble-free for the electronic Payment transactions can be transported. The same applies in a similar way for the MKN, IMAN and MBIC. Coupling of banking and telecommunication networks according to claim 1, characterized in that the example in the above patent specification and within the Claims representative mobile network although a typical application for the invention The procedure in the text of the patent, as well as in the claims listed properties and procedures apply, however, by way of example as an exemplary embodiment and may be used for any telecommunication and / or data networks, for example, also based on the TCP / IP protocol Internet (for internet access, service or financial service providers in the broadest sense) in each adapted form. Coupling of banking and telecommunication networks according to at least one of the preceding claims, characterized in that in an application of the method according to the invention within networks with TCP / IP protocol structure, for example, the global Internet there the usual subscriber identifier, such as the IP address, the URL or the mail address etc. at least partially or completely, optionally with extensions, such as a shared user identification, within the respective networks and within the associated identifier for the cash clearing networks in the banking industry (Internet account number IKN, Internet bank code IBLZ, International Internet account number IIAN and IBIC) ( 16 ), wherein in the event that no alphabetic characters are permitted within the number structures, an alternative account number of numbers is used, for example the telephone number of the customer in connection with the identifier of the service provider. Coupling of banking and telecommunication networks according to at least one of the preceding claims, characterized in that the IMAN preferably arises in such a way that the complete directory number with or without country code within the reserved for the bank account field of the IBAN (in the Federal Republic of Germany the field for Account number and bank code) is used ( 15 ), in turn, optionally for optical separation between subscriber number and remainder -IMAN a special character, for example, the usual in the mobile sector for international voice connections plus sign (+) is used, or alternatively, for example, on each numeric keyboard 12 number (#), whereby the inserted subscriber number is directly recognizable as such. Coupling of banking and telecommunication networks according to at least one of the preceding claims, characterized in that as an alternative to the used subscriber number within the IMAN in mobile networks with internal TCP / IP structure and alias subscriber numbers, but also in the Internet area at least in international payments (IIAN) a common IP network IP address, the World Wide Web usual URL (Uniform Resource Locator) or in the Mail traffic common e-mail address, etc. is used, in turn, optionally the standard in the email traffic commercial plus sign (@) by an alternative special character, for example, the plus sign (+), the asterisk (*) or the number sign (#), which are arranged on the usual 12-keyboards, is used. If necessary, the slashes (backslash) can be replaced in a similar way within a URL. Coupling of banking and telecommunication networks according to at least one of the preceding claims, characterized in that the subscriber number is either complete is used within the MKN, or in preferred universal Use form expediently split on MBLZ and MKN so is that the terminal number right aligned within the MKN field and the remaining MKN field if necessary, in a comparable procedure, a too short bank account number filled with zeros left-justified. Coupling of banking and telecommunication networks according to at least one of the preceding claims, characterized in that the subscriber number is optional and preferably within the MKN shifted by one position to the left and the tenth position of the MKN for those in the banking sector partly usual Check digit is used, the method used in the bank code file of the Deutsche Bundesbank for deposited the banks involved in a transaction becomes. Coupling of banking and telecommunication networks according to at least one of the preceding claims, characterized in that the MBLZ is optionally filled in part with shares of the subscriber call number, wherein preferably the service code with the one- to two-digit block identifier used in Germany taken together as a common "network identifier" for the respective mobile network into positions 5-8 of the MBLZ, which are reserved for the branch at the BLZ ( 17 ). Coupling of banking and telecommunication networks according to at least one of the preceding claims, characterized in that the usual position in the BLZ 4 (network number / bank group) in a special arrangement optional with the Zero zero is occupied, which in the BLZ for the German Bundesbank is reserved because the zero at position 4 within the MBLZ allows a clear separation of four-digit network identifiers and thus for clarity and error prevention in manual handling of the MBLZ. Alternatively comes for this position optionally a 1, 2 or 3 into consideration, which identifies in the BLZ an alternative credit institution. Coupling of banking and telecommunication networks according to at least one of the preceding claims, characterized in that the positions 1-3 of the MBLZ, which at the bank code to identify clearing area (pos.1) and bank place (Pos.1-3) are used (local place) in the MBLZ accordingly to Application come that here optional and preferably a separate one Numbering space within the bank numbering system (Lit.6 / List the bank codes) a mobile-specific special solution and thus a direct recognition of the mobile network as a financial institution allows. This is preferably the clearing area 1 or alternatively 9 in position 1, followed by one sometimes in bank system unused number code in position 2 and 3, to no Confusion in connection with the position marked as zero 4 to provoke. In the present text is still the example unoccupied "Bankplatz" 110 exemplary for the Mobile phone company T-Mobile, which also has the advantage of neighboring also to have vacant seats, creating a consecutive contiguous block of mobile BLZ reserved can Coupling of banking and telecommunication networks according to at least one of the preceding claims, characterized in that a mobile service provider optionally more MBLZ (Table 2) for the identification of its subscriber accounts used only within positions 5-8, d. H. in the network identifier according to the part of the Regulatory Authority to the respective mobile phone company assigned network identifier consisting of service identifier and block identifier corresponds to Coupling of banking and telecommunication networks according to at least one of the preceding claims, characterized in that a mobile radio provider optionally several MBLZ used for the identification of its subscriber accounts (Table 2), which only within the positions 5-8, ie in the network identifier according to distinguishes between the network identifiers assigned to the competition by the regulatory authority, in order to enable the use of financial services in connection with the unique provider identifier in position 1-3 of the MBLZ, also for customers who have been granted the so-called Number Portability method NPV have changed from a competitive network with taking the previous complete subscriber line number to another mobile network and now have a contractual relationship there. Coupling of banking and telecommunication networks according to at least one of the preceding claims, characterized in that optionally additional MBLZ may be present (Table 3), preferably within positions 1-3 and again optionally within one contiguous free block of consecutive number sequences "Bank places" located and in this form for addressing mobile phone accounts other mobile network, for example in foreign Networks that are linked to the mobile network, within a network network, a cost-effective economic solution with only one central financial services center for to provide multiple networks, with the need for different identifications in position 1-3 of the MBLZ caused thereby is that different international networks possibly over can have complete identical subscriber numbers and the country code in this numbering system of MKN and MBLZ for reasons of space not usable as a distinguishing feature is. Coupling of banking and telecommunication networks according to at least one of the preceding claims, characterized in that a computer controlled electronic Device, hereinafter referred to as MFS (Mobile Finance System), arranged in the mobile network as an account management and financial system and the administration (set up, manage, configure, parametrize, lock, delete, etc.), the customer / subscriber side Account management of mobile accounts as well as financial transactions between network-internal mobile phone accounts of the same or different Mobile subscriber and financial transactions to or from external Accounts at any banks, such as banks, savings banks etc, but also other external telecommunications, mobile phone accounts or Internet accounts etc., as well as the financial transfer from / to ATMs, bank or POS terminals, which are available from the international credit established companies, such as the ATM network of the German banking industry, Maestro-International, Cirrus, MasterCard, Amex, Visa, electronic cash, EUFISERV, SIBS, EURO6000, Interpay Nederland BV, bancomat etc or future companies and / or networks, technically possible in any way is and only by stored in databases policies and Restrictions, authentication rules, etc. according to Standard terms and conditions in banking and mobile networks, Account balances, trading and transaction limits as well the legal framework, etc. regulated or organizational u. legally possible. Coupling of banking and telecommunication networks according to at least one of the preceding claims, characterized in that the mobile finance system over a central control facility, the FCS (Finance Control System) for account management, account management and operation of the Financial services in the mobile network, which in turn through different function-specific interface modules is functionally supplemented in a modular structure, wherein the different functional modules are safety relevant as well Task specific usually physically physically separate facilities exist, design-specific but also from different software, hardware and interface components be arranged within a single physical system can. Coupling of banking and telecommunication networks according to at least one of the preceding claims, characterized in that the MFS-side financial service control system FCS in conjunction with interface components also present in the MFS the security-relevant separation between MFS and the mobile components guaranteed, or via the mobile network by means of Terminals accessing participants on the one hand and between MFS and the physical or external interface lines logically connected credit institutions, networks, electronic Facilities of any kind, such as POS, bank terminals and / or ATMs etc. as well as when coupling home banking customers via internet etc. with those in data security technology and among the special ones Safety requirements, technically possible and commercially justifiable means for electronic Privacy, so no data misuse neither in outgoing nor incoming direction can be done to damage of components or customers of the mobile network and possibly connected mobile networks on the one hand and the connected Banks and other institutions on the other hand to avoid as well spying information, financial harm and / or disruptions and harassment of customers, their accounts or financial services through electronic means or to prevent manual manipulation. Coupling of banking and telecommunication networks according to at least one of the preceding claims, characterized in that the FCS to an account database, the MFR (Mobile Account Re gister) within which a directory of at least all within the same mobile network arranged mobile phone accounts (customer or subscriber accounts) and optionally also the accounts of affiliated cooperation partners, such as foreign mobile networks, etc. are listed, including the individually associated to the smooth and secure Operation of financial services required account information, such as account identifiers (subscriber number, IMAN, MBIC, MKN, MBLZ, audit methods, etc.), parameters related to financial services management (account status, financial status, transaction history, recurring transfers, account statement specification, terminal information, limits, transaction limits, capitalized financial services, Interest rates, credit overview, etc.) as well as parameters relevant to account security (customer data, contract data, credit information, authentication parameters, PINs, TANs, terminal hardware and software information, etc.) w Firstly, access information (activated account access methods, for example via external networks and the like). Banks, mobile access, internet access, roaming access, account usage via maps, etc.). Coupling of banking and telecommunication networks according to at least one of the preceding claims, characterized in that one communicating with the FCS Bank clearing interface module CCG (Cash Clearing Gateway) at least an interface between MFS and at least one external clearing System of banks, for example the European Target / RTGS system, represented in the Federal Republic of Germany, for example through the RTGSplus system of Deutsche Bank and additionally or alternatively the HBV and / or MHS system of Deutsche Bank with, for example, FTAM or SWIFTNet File Act interface (Ref. 5) served. Coupling of banking and telecommunication networks according to at least one of the preceding claims, characterized in that the CCG in outgoing and incoming Financial transactions optional plausibility and authorization controls the logs and the financial instructions contained therein in conjunction with the required two-way conversion of numbering systems, such as the directory number on the one hand and the MBLZ, MKN or IMAN and IBIC etc. on the other as well as the proper calculation and processing of check digits and test methods. Coupling of banking and telecommunication networks according to at least one of the preceding claims, characterized in that the CCG optionally via a bidirectional interface to the bank code file of the Germans Bundesbank BLZ-D has, on the one hand, the in the mobile network used MBLZ and their check digit calculation method to the Deutsche Bundesbank for secure communication with other banks and on the other hand a directory of accredited lending institutions in the Federal Republic of Germany together with characteristic features for payment transactions - for example the check digit calculation method used to invite to financial transactions with external bank accounts a plausibility check of the target bank as well as the destination account number to carry out. Coupling of banking and telecommunication networks according to at least one of the preceding claims, characterized in that the CCG optionally the check digits incoming and outgoing transactions and erroneous ones Receiving an error message to the sending institute, or Im Transmission case with incorrectly entered destination identifier on the subscriber side (MKN and MKN or BLZ and KNR) an error message to the administration system and the mobile subscriber. Coupling of banking and telecommunication networks according to at least one of the preceding claims, characterized in that the MFS is optional with a finance System Interface FSI equipped and equipped with this device coupled to the SCN of the mobile network or multiple mobile networks is. Here is an at least partial administration of mobile phone accounts through the CCBS, such as creating and unlocking of accounts, the transfer of contract-relevant data, etc. in the MAR etc. d. H. an administration at least not immediately Financial services and account-relevant parameters of the MFS. The CCBS is also preferred for monthly account documents, account settlements, Customer information etc. for financial services of any kind Art with used, since here the appropriate in the mobile usual Procedures are established and the corresponding compounds to printers, Schufa etc. are present. CCBS and MAR are the same their databases partly from automatically, for example the current account balance and subscriber-specific or terminal-specific Data and logs. Coupling of banking and telecommunication networks according to at least one of the preceding claims, characterized in that the FSI optional with external service Control networks other mobile networks in connection or to For this purpose, several FSIs are included within the MFS or within Mobile networks are available, which, for example, the central arrangement of financial services within one MFS for several Mobile networks allows. Coupling of banking and telecommunication networks according to at least one of the preceding claims, characterized in that an optional terminal access interface TAI the user interface to different mobile devices within the mobile network provides and thus a variety of different devices different Manufacturer and different technical access methods (Access Technologies such as Wireless Access Protocol WAP, Web or browser based systems, SMS, MMS etc) the account management and thus allowing the use of accounts with their respective terminal. Coupling of banking and telecommunication networks according to at least one of the preceding claims, characterized in that the optional TAI is again optional also online access to account management for example Home and Internet banking provides, for example using the HBCI or FinTS protocol and the usual data traffic Security procedures, such as firewalls, etc. is equipped. Coupling of banking and telecommunication networks according to at least one of the preceding claims, characterized in that an optional terminal network interface TNI the coupling of existing in banking, as well as for Banking and mobile networks may be newly added nationally and internationally available bank terminals, ATMs and POS systems etc, such as the example by the ATM network of the German banking industry, Maestro International, Cirrus, MasterCard, Amex, Visa, electronic Cash, EUFISERV, SIBS, EURO6000, Interpay Nederland BV, bancomat etc operated machine and terminal networks according to their respective protocol and interface specification. Coupling of banking and telecommunication networks according to at least one of the preceding claims, characterized in that the optional TNI turn optional individual interface for financial service special solutions with business partners of all kinds in the field of financial services, Internet or other mobile or telecommunications networks for Provides and operates. Coupling of banking and telecommunication networks according to at least one of the preceding claims, characterized in that the MFS is optionally at least partially or completely for safety reasons, to economic optimization or for reasons national Legislation etc. outsourced the mobile network and for example separated from it in a specially for it installed mobile wireless financial services companies (Mobile Finance Services Institute MFSI) or in a contract Bank can be operated. Coupling of banking and telecommunication networks according to at least one of the preceding claims, characterized in that a centrally located MFS is optional within a mobile network for mobile phone accounts of others Mobile networks can be shared, with optional individual network-specific components of the MFS can be present multiple times (For example, MAR, TAI, FSI) and, for example, each alternatively can be outsourced to the partner networks. At country specific Particularities, national legislation or for cost optimization to each nationally affiliated cash clearing institution, ATMs and terminals and / or financial services partners can case-specific CCG and / or TNI also present several times and possibly outsourced to different networks. Coupling of banking and telecommunication networks according to at least one of the preceding claims, characterized in that it is for economic reasons optionally may be useful, functional tasks of example FSI and / or TAI not complete in the corresponding modules too operate, but at least individual functionalities, which in other components of the mobile network, for example within of the SCN, are already implemented by providing appropriate Interfaces between MFS (FSI and / or TAI) and SCN, or CN to use with, or mutatis mutandis outsource. These Procedure, for example, the complex new implementation of the commonly used in the mobile network central channel signaling SS7 concern and thus multiple availability and multiple maintenance avoid, or for example, the emulation of different devices or the preparation of different access options Terminal technologies (access technologies) on the same content affect. By this procedure, mobile specific exotic protocol structures within the MFS optionally avoided which makes the complete MFS with all subcomponents expedient and operated rationally with a uniform TCP / IP protocol structure can be. Coupling of banking and telecommunications networks according to at least one of the aforementioned An claims, characterized in that the mobile service provider optionally own cards (debit card / ec cards / credit card, etc.) emitted to allow its participants the use of international terminal networks (ATMs, bank terminals and POS systems, where necessary as the clearing account Mobile account applies. Coupling of banking and telecommunication networks according to at least one of the preceding claims, characterized in that the mobile service provider optionally own Cash card solutions can implement that is a direct payment at the POS by means of a mobile radio terminal in conjunction with a Amount of money on the mobile account allows, instead the previous procedure of a loaded on the cash card Amount. Coupling of banking and telecommunication networks according to at least one of the preceding claims, characterized in that the mobile service provider in connection with the subscriber accounts and, if necessary, additional interfaces extended CCG (extended Clearing functionality over Cash Clearing addition) advanced financial services and own Offer financial products comparable to the banking and insurance industries were common (insurance, Bauspar contracts, financing, credit transactions, Commodity futures, securities transactions, financial bonds etc.), whereby for the identification of sub-accounts (savings account, depot etc.) again optionally additional subscriber numbers be awarded, or the existing subscriber number alternatively by at least one digit position (for Internet accounts to a corresponding alphanumeric identification). Coupling of banking and telecommunication networks according to at least one of the preceding claims, characterized in that the inventive method optionally the bilateral transaction (transfer, direct debit, etc.) between any mobile account and any bank account of any national credit institution using the mobile communication identifiers ( MKN, MBLZ, IMAN, MBIC etc.) as well as the customary banknotes (KNR, BLZ, IBAN, BIC etc.) by means of the MFS arranged in the mobile network and use of the national clearing system of the banks as a transit point ( 19 -1). Coupling of banking and telecommunication networks according to at least one of the preceding claims, characterized in that the method according to the invention optionally the bilateral transaction (transfer, direct debit, etc.) between any mobile phone account and any bank account of any international financial institution using the mobile communication identifiers ( MKN, MBLZ, IMAN, MBIC etc.) as well as the customary banknotes (KNR, BLZ, IBAN, BIC etc.) by means of the MFS arranged in the mobile network and use of the international clearing system of the banks as a transit point ( 19 -2). Coupling of banking and telecommunication networks according to at least one of the preceding claims, characterized in that the inventive method optionally the transaction (bank transfer, direct debit, etc.) between any two mobile phone accounts of the same network using the mobile communications identifiers (MKN, MBLZ, IMAN, MBIC etc.) or optionally using the customary in the mobile network identifier (subscriber number allows ( 19 -3). Coupling of banking and telecommunication networks according to at least one of the preceding claims, characterized in that the method according to the invention optionally the bilateral transaction (bank transfer, direct debit, etc.) between any mobile phone account and any account within a directly via line connections or virtually connected Internet Financial institutions, such as an Internet bank or an Internet financial service provider using the mobile communication identifiers (MKN, MBLZ, IMAN, MBIC etc.) and the identifiers according to the invention for Internet accounts (Internet account number IKN, Internet BLZ IBLZ, International Internet account Number IIAN, Internet Bank Code IBIC etc.) ( 19 -4). Coupling of banking and telecommunication networks according to at least one of the preceding claims, characterized in that the inventive method optionally allows the bilateral transaction (transfer, direct debit, etc.) between any mobile phone account and any account of a national or international credit institution, wherein the transaction In this case, by using the mobile terminal takes place such that a transfer and / or debit authorization (debit) by electronic means between the mobile terminal, which represents the mobile account and the external account, which through a terminal with a suitable interface to the mobile terminal (wired or wireless , for example by means of Radio Frequency Identification (RFID), Near Field Communication technology (NFC) Bluetooth, wireless local area network (WLAN), infrared, etc.) is represented, for example, a POS terminal, an ATM, etc. is transmitted ( 19 -5). Coupling of banking and telecommunication networks according to at least one of the preceding claims, characterized in that the inventive method optionally bilateral transaction (transfer, direct debit, etc.) between any mobile account and any account within a directly connected via line connections or virtually independent further independent Mobile network (telecommunications network) using the mobile radio identifications (MKN, MBLZ, IMAN, MBIC, etc.) of the respective networks according to the invention ( 19 -7). Coupling of banking and telecommunication networks according to at least one of the preceding claims, characterized in that the inventive method optionally bilateral transaction (bank transfer, direct debit, etc.) between any mobile account and any account within a directly via line connections or virtually connected another mobile network (Telecommunication network) using the mobile radio identifiers (MKN, MBLZ, IMAN, MBIC, etc.) according to the invention of the respective networks or alternatively using the network-internal subscriber identifications (subscriber numbers), the connected mobile network sharing the MFS of the other network ( 19 -7). Coupling of banking and telecommunication networks according to at least one of the preceding claims, characterized in that the inventive method optionally the bilateral transaction (transfer, direct debit, etc.) between a MFS of the mobile network using the connected mobile network (PMLN) with own mobile phone accounts and any Account of a national or international credit institution, the connected PMLN uses the mobile network as a transit network for access to the clearing system of the banks or a connected Internet financial service provider and / or connected ATMs, bank terminals or POS terminal, wherein for financial transfer, the characteristics of the invention Account of the PMLN (MKN, MBLZ, IMAN, MBIC, etc.) or, alternatively, that of the mobile network, if the PMLN's accounts are managed there (Table 3) (Table 3) (Table 3). 19 -8th). Coupling of banking and telecommunication networks according to at least one of the preceding claims, characterized in that the inventive Account Code Procedure in the case where the complete MFS too outsourced to an external bank and there as a separate physically physical device no longer recognizable, as functional with the respective components of the bank in question is summarized, realized in the nature and in the financial transfer It is referenced with other banks that bank accounts the mobile subscriber either via the described Mobile identification (MKN, MBLZ, IMAN, MBIC, etc.) achieved in such a way be that within these identifiers the identifying subscriber number is used in the process according to the invention. Instead of the distinctive mobile enterprise in field 1-3 the In this case MBLZ replaces the bank seat of the partner bank for use. Thus, the mobile accounts are referenced by the bank. The accounts may vary depending on the design of the FSI interface be located at the bank or in the mobile network. Coupling of banking and telecommunication networks according to at least one of the preceding claims, characterized in that the inventive Account Code Procedure in the case where the complete MFS too outsourced to an external bank and there as a separate physically physical device no longer recognizable, as functional with the respective components of the bank in question is summarized, realized in the way that at least for incoming transfers / account credits Bank accounts of mobile subscribers in the subject field of transfer Optionally enter the subscriber number and / or the subscriber name is, with this procedure, a transmission the account credit via FSI interface to the SCN of the mobile network takes place. In an optional alternative variant of this Execution type with external bank receives the mobile subscriber has its own bank account number, which is different from his own subscriber number, where the contract bank contains an allocation table or database, a unique automatic assignment of the account number to a Mobile customers allows and the incoming amount automatically via the interface to the mobile network credited to the mobile phone account, for example in the CCBS. Of the Difference to existing bank cooperations is that for such transfers no technical changes at the referring bank are necessary, only at the with the mobile provider contracted bank requires account referencing and transfer.