DE102014119450A1 - Method of providing a value number - Google Patents

Abstract

The invention relates to a method for providing a value position number, wherein a user (6) calls (110) via an input device (18) a user interface of an account office (2), whereby a communication connection between a server system of the account office (4) and the input device ( 18) is generated. By entering a user verification (10) and a user identification (12), an account (8) stored in the account office (2) is called (120). In the server system of the account office (4), the user verification (12) entered and sent to the server system of the account office (4) is compared (130) with the user verification (12) stored in the server system of the account office (4), wherein with a positive comparison of the user verification a query is made to enter a value amount (140). The user inputs the value amount (150) into the input device (18) manually and transmits this value value (160) to the server system of the account office (4). The server system of the account office (4) generates a value number (170) limited to the amount of the value value amount and transmits (175) this to a communication means (16) and / or the input device (18). After the value date number has been transmitted to the communication means (16) and / or the input device (18), the provisioning process is ended (180) and thus the communication between the server system of the account office (4) and the input device (18) is interrupted. In this way, a method of providing an adjustment number is provided that is simple and convenient to use.

Description

The invention relates to a method for providing a value position number.

The use or a method for using a credit card as a means of payment is known in principle. Bank customers who have an account with a bank or a bank can obtain a credit card for this account. Known credit cards usually have in addition to the name of the bank customer on a credit card number over which the account of the bank customer is clearly assignable. Moreover, the known credit cards contain information on the validity of the credit card.

To use the credit card as a means of payment, the credit card number is usually read or entered. Moreover, the validity of the credit card is usually queried for verification. If the credit card number entered and the validity date coincide with the data deposited with the bank, the bank customer's corresponding bank account will generally be charged a certain amount of time after the payment has been made.

A disadvantage of the previously known method for using the credit card as a means of payment is that the disclosed credit card data can be used by unauthorized persons unlawfully for further payment transactions. Credit card holders therefore carefully consider who they disclose your information to. The use of the known credit card can therefore be uncomfortable.

It is the object of the invention to provide a method of providing a value number which is easy and convenient to use.

This object is achieved by claim 1. Preferred embodiments of the invention are set forth in the subclaims, which, taken alone or in any combination with one another, can represent an aspect of the invention.

• – Einmalige Registrierung eines Nutzers an einer Kontostelle und Einrichten eines Kontos, Festlegung einer Nutzeridentifikation, Festlegung einer Nutzerverifikation und Angabe von Nutzerkontaktdaten eines mobilen Kommunikationsmittels, sowie Hinterlegung der Registrierungsdaten in einem Serversystem der Kontostelle;
• – Aufrufen einer Nutzerschnittstelle der Kontostelle über eine Eingabeeinrichtung, wobei die Eingabeeinrichtung mit dem Serversystem der Kontostelle kommunikationstechnisch verbunden ist;
• – Aufrufen des in der Kontostelle hinterlegten Kontos durch Eingabe der Nutzeridentifikation und der Nutzerverifikation an der Eingabeeinrichtung und Übermittlung der Nutzeridentifikation und der Nutzerverifikation an das Serversystem der Kontostelle;
• – Abgleich zwischen hinterlegter Nutzerverifikation und übermittelter Nutzerverifikation innerhalb des Serversystems der Kontostelle;
• – Bei positivem Abgleich der Nutzerverifikation, Übermittlung einer Abfrage zur Eingabe eines Wertstellungsbetrags;
• – Manuelle Eingabe des Wertstellungsbetrags und Übermittlung der Eingabe des Wertstellungsbetrags an das Serversystem der Kontostelle;
• – Manuelle Eingabe der maximalen Anzahl an Transaktionen, die mit der Wertstellungsnummer durchgeführt werden können;
• – Generierung einer auf die Höhe des Wertstellungsbetrags und/oder die festgelegte Anzahl an Transaktionen limitierten Wertstellungsnummer;
• – Übermittlung der Wertstellungsnummer an das Kommunikationsmittel und/oder die Eingabeeinrichtung;
• – Beendigung des Bereitstellungsvorgangs der Wertstellungsnummer.

According to the invention, a method is thus provided for providing a value number, comprising the following steps:

• - One-time registration of a user at an account office and setting up an account, determination of a user identification, determination of a user verification and specification of user contact data of a mobile communication means, as well as deposit of the registration data in a server system of the account office;
• - calling a user interface of the account office via an input device, wherein the input device is communicatively connected to the server system of the account office;
• Calling the account deposited in the account office by entering the user identification and the user verification at the input device and transmitting the user identification and the user verification to the server system of the account office;
• - Comparison between stored user verification and transmitted user verification within the server system of the account office;
• - If the user verification is positive, sending a query to enter a value amount;
• - Manual entry of the value amount and transmission of the entry of the value amount to the server system of the account office;
• - manually entering the maximum number of transactions that can be performed with the value date number;
• - generation of a value date number limited to the amount of the value amount and / or the specified number of transactions;
• - Transmission of the value position number to the communication means and / or the input device;
• - Termination of the provisioning process of the value date number.

The point of account should preferably be understood as an entity offering services for payment, credit and / or capital movements. Preferably, the account office is a financial institution, a bank, a bank or a savings bank.

The account is preferably such an account through which a cash and / or cashless payment transactions can be processed. The account is particularly preferably a checking account and / or a credit-giving account.

The user identification is preferably the name of a user and / or an account number assigned to the account. The user verification is preferably a PIN with a numeric string and / or alphanumeric string. The user verification is particularly preferably a biometric identification feature, preferably a fingerprint, an iris scan, and / or an auricle scan.

The user contact data are preferably an email address, a telephone number and / or a mobile number of the user or a mobile communication means accessible to the user.

A mobile communication means is preferably understood to mean a PC or computer, a laptop, a tablet, a mobile telephone and / or an internet-enabled mobile telephone or smartphone.

A value number is preferably a string that is usable for using payment transactions. Most preferably, the string is a numeric string, an alphanumeric string, and / or a barcode and / or a QR code.

A transaction in the sense of this invention is, for example, a payment transaction or an electronic money transfer. The number of transactions to which the value number can be limited by manual input can range from 1 to ∞ (unlimited number of transactions). It can be provided that a certain number of transactions is proposed in the context of a selection menu, such as 1, 2, 3, 5, 10, 15, 20.

The input device basically comprises a display and a control panel. Preferably, the input device is a PC, a computer, a laptop, a tablet and / or an internet-enabled mobile phone or a smartphone.

It is thus an aspect of the invention that the user calls the user interface of the account office via the input device, whereby a communication-technical connection between the server system of the account office and the input device is generated. By entering the user verification and the user identification, the user can call up the account stored in the account office. In the server system of the account, the user verification entered and transmitted to the server system of the account office is compared with the user verification stored in the server system, with a positive adjustment of the user verification being followed by a query for entering a value value amount. The user manually enters the value amount in the input device and transmits this value value amount to the server system of the account office. The server system generates a value number limited to the amount of the value value amount and transmits it to the mobile communication device and / or the input device. After the value date number has been transmitted to the mobile communication device and / or the input device, the provisioning process is ended and thus the communication between the server system of the account office and the input device is interrupted. In this way, a value number is provided which has a limited value amount. This value number can preferably be used for one or more payment transactions. Due to the fact that the amount of the value amount of the value date number and / or the number of transactions that can be carried out with the value number number is limited, this prevents unauthorized third parties from illegally debiting the account beyond the value amount. Thus, a method is provided for providing a value number that is easy and convenient to use.

Basically, the input device and the mobile communication means may be formed differently from each other. Preferably, the input device is a tablet or laptop and the mobile communication device is a mobile phone. In this way, the call-up of the account and the account, the input of the user identification and user verification as well as the entry of the value amount via the tablet or the laptop. The value number generated by the server system of the account office is transmitted to the mobile phone. Thus, the user side two preferably independent systems are required. A preferred embodiment of the invention provides that the input device is equal to the mobile communication means. Preferably, in this way, the input device and the mobile communication means may be a laptop or a tablet. In this way, only one system is required for calling up the account or the account, for entering the user verification, user identification and the value value amount and for obtaining the value number generated by the server system.

In a preferred embodiment of the invention, it is provided that the input device is an internet-enabled mobile communication means that is communicatively connected with the account office or the server system of the account office, where an app or a website of the account office is opened on the mobile communication means, via the app or the website of the account office, the input of the user identification and the user verification is queried, the input of the user identification and the user verification via the open on the mobile communication app or website of the account and is transmitted to the server system of the account. The internet-enabled mobile communication device is preferably a laptop, a tablet and / or an internet-enabled mobile telephone, such as preferably a smartphone. In this way, the user interface of the account can be done by opening the app and / or the website on the mobile communication device. The server system of the account office and / or the account can thus be called to provide the value position number easily and user-friendly.

In principle, the input device can be connected via a wired connection to the server system of the account office. This is preferably the case when the input device is a PC that can establish a connection with the server system of the account office via a network. In a preferred embodiment of the invention, it is provided that the input device is connected via a wireless communication link to the server system of the account office. The wireless connection is preferably a WLAN connection with which the input device can establish a connection to the server system of the account office. In this way, a user-friendly communication connection between the input device and the server system of the account office can be provided.

A preferred embodiment of the invention is that after the transfer of the value amount to the server system of the account office from the server system of the account a transaction verification is queried. The transaction verification can preferably be a biometric identification feature of the user, which is detected by the device, transmitted to the computer system of the account office connected to the input device and checked or adjusted with a biometric identification feature of the user stored in the server system of the account office. In this way, a user-related transaction verification is queried.

In a preferred development of the invention, it is provided that the transaction verification is a transaction PIN generated by the server system of the account office, the transaction PIN is transmitted to the user contact data or to the mobile communication means assigned to the user contact data, the user transfers the data transmitted to the mobile communication means Transaction PIN input to the input device, the input is transmitted to the server system of the account and matched with the generated by the server system of the account office transaction PIN, and in a positive comparison, the generated value position number is transmitted to the input device and / or the mobile communication means , In this way, a preferably randomized transaction PIN is generated by the server system of the account office and transmitted to the user contact data stored in the server system of a mobile communication means accessible to the user. The transaction PIN transmitted to the mobile communication device is then input manually by the user into the input device and transmitted to the server system of the account office, where it is compared. In this way, two independent systems are required for requesting the value number number from the user, so that the security can be increased when requesting the value position number.

According to a preferred embodiment of the invention, it is provided that the validity of the generated transaction PIN is limited, so that within a predetermined or limited time, preferably within 15 minutes, more preferably within 10 minutes and most preferably within 5 Minutes after the transmission to the mobile communication means has to be entered into the input device and transmitted to the server system of the account office. If the transaction PIN transmitted to the mobile communication means is not input to the input device within the predetermined time for verification of the transaction and transmitted to the server system of the account office, it expires so that it can no longer be used. The transaction PIN not used within the given time is thus worthless and can not be used for further verification.

In principle, it can be provided that the transaction PIN is transmitted to the mobile communication means via an internet-capable connection. A preferred embodiment of the invention is that the transaction PIN is transmitted as a text message and / or picture message to the mobile communication means. If the transaction PIN is a picture message, the user must manually enter the transaction PIN in the input device and transmit it to the server system of the account office. In this way, the automatic readout of the transmitted transaction PIN can be made more difficult, whereby the security in the transmission of the transaction PIN can be increased. In the transaction PIN in the form of a text message and / or an image message may also be advantageous that the transaction PIN can be transmitted via a telecommunication connection between the server system and the mobile communication means. Thus, it does not require the receipt of the value position number Internet-enabled mobile communication device or an Internet-enabled connection between the mobile communication device and the server system of the account office. Thus, the transaction PIN is receivable via a telecommunication connection between the mobile communication means and the server system of the account office.

According to a preferred embodiment of the invention, it is provided that the entry of the value value amount and / or the transaction PIN after the respective query within a predetermined or specified time to enter and transmit to the server system of the account office and when exceeding the predetermined or specified time the Connection between the Input unit and the account or the account office or the server system of the account office is aborted. In this way, it can be ensured that the entries for providing the value date number must be completed within a predetermined time, so that the security of the provisioning operation of the value date number can be increased.

A further preferred embodiment of the invention is that in preferably multiple, very preferably at least three times, incorrect entry of the user verification and / or user identification and / or transaction verification or transaction PIN, the account is blocked at the account office. In this way, it can be ensured that the identification of the access data of the account is made more difficult for unauthorized third parties. Thus, the security of the provisioning operation of the value number can be increased.

In a preferred development of the invention, it is provided that after the value date number has been provided, provision information about the value date number is transmitted to the mobile communication device and / or the input device. In this way, the user may be notified that a value number has been generated over a particular value amount and has been provided for use.

According to a further preferred embodiment of the invention, it is provided that the account of the user is charged to the account office after use of the value position number, wherein the account balance does not exceed the value value amount of the value position number. In this way, a payment transaction can be made with the value number generated by the server system of the account office, which is covered up to the amount of the value value of the value position number.

In this context, it can preferably be provided that the value position number has at least one indication for a purpose of use and / or location. Thus, the user may indicate that the value number is usable only for a particular purpose and / or within a particular spatial area. It is also particularly preferred for the value date number to have a temporary validity, the validity preferably being less than 21 days, preferably the validity being less than 7 days and very preferably the validity being shorter than 3 days. In this way, the value number is to be used within a certain time. Thus, the user can preferably generate a temporary value number for a vacation, which expires after the expiry date.

In a preferred embodiment of the invention, it is provided that the value position number is transmitted after transmission to the mobile communication means of this preferably by means of wireless short-range transmission to a payment terminal. The short-range transmission may preferably be a wireless connection between the mobile communication device and the payment terminal. The short-range transmission is preferably a Bluetooth connection, a BLE beacon connection or iBeacon, a WLAN connection, an RFID connection, NFC or a telecommunication connection. In this way, via different short-range transmission methods, the value number transmitted to the mobile communication device can be transmitted to a payment terminal for triggering the payment transaction. Thus, a user-friendly use of the provided value position number for a payment transaction is provided.

The invention will be explained in more detail below on the basis of a preferred exemplary embodiment with reference to the figures, wherein the features illustrated below can represent an aspect of the invention both taken by itself and in combination with one another. In the drawings show:

1 FIG. 2: a schematic structure of an account office with a server system and an account arranged on the server system and an input device communicatively connected to the server system and a mobile communication device according to a preferred exemplary embodiment of the invention, FIG.

2 the schematic structure of the account office with the server system and the account arranged on the server system and the communication device connected to the server system input device and the mobile communication means, wherein the input device is an integral part of the mobile communication means, according to the preferred embodiment of the invention,

3 Fig. 10 is a flowchart for providing a value number according to the preferred embodiment of the invention;

4 *** "" Another procedure for providing a value number with additional transaction verification according to the preferred embodiment of the invention.

In 1 is a schematic structure of an account office 2 shown, the account office 2 a server system 4 having. A user 6 can by a one-time registration at the account office 2 one account 8th on the server system of the account office 4 set up. This will be a user identification 10 and a user verification 12 and details of user contact information 14 one to the user 6 accessible mobile communication means 16 made. The registration data will be sent to the server system of the account office 4 deposited or saved.

About one with the server system of the account office 4 communication-technically connectable input device 18 can the user 6 a user interface of the account office 4 and start the process of providing a value date number.

The account office 2 is in the present case a banking institution with the user 6 the account 8th for a cashless payment, the account 8th is a current account with crediting function.

Under the user identification 10 becomes an account number of the account 8th Understood. The user verification 12 is an alphanumeric PIN. Enter the user identification 10 and user verification 12 can the user 6 that on the server system of the account office 4 saved account 8th call.

Basically, the mobile communication device 16 a PC, a laptop, a tablet, a mobile phone and / or an internet-enabled mobile phone or smartphone. This is the mobile communication tool 16 an Internet-enabled mobile phone. The user contact information 14 in the server system of the account office 4 are assigned to the Internet-enabled mobile phone number.

The input device 18 is a laptop and the laptop can be connected to the server of the account office via a wireless connection 4 establish a communications connection.

On the user side, two systems, namely an input device, are thus for the process of providing a value position number 18 and a mobile communication tool 16 , required.

In 2 is the one from the 1 known schematic structure of the account office 2 with the server system of the account office 4 and on the server system 4 invested account 8th of the user 6 shown. In contrast to 1 is the input device 18 integral part of the mobile communication device 16 , This means that the input device 18 and the mobile communication device 16 now a device, this device is presently a tablet.

In the case of the mobile communication device designed as a tablet 16 or the trained input device 18 are those in the server system of the account office 4 stored user contact data 14 an e-mail address of the user 6 that the user 6 on the tablet can retrieve. Likewise, the user can 6 via the tablet a communication connection to the server system of the account office 4 build up.

On the user side, a system, namely a tablet, is required for the process of providing a value number.

In 3 a method of providing a value number is shown.

In a first step, a single registration takes place 100 the user at the account office 2 and setting up an account 6 , in which case a user identification 10 and a user verification 12 be determined. In addition, details of user contact data 14 one to the user 6 made accessible mobile communication device.

The registration data will be on the server system of the account office 4 deposited or saved in a further step 105 so the registration data 10 . 12 and / or user contact information 14 the account 8th are clearly assignable.

By calling a user interface of the account office ( 110 ) via the input device 18 , wherein the input device 18 with the server system of the account office 4 communication technology is connected, the provisioning process of the value position number is started. The input device 18 is preferably a web-enabled tablet that has a wireless connection to the server system of the account office 4 is connectable. In this way, preferably by calling an app on the tablet, the user interface of the account can be accessed.

Calling the in the account office 2 deposited account ( 120 ) is done by entering the user identification 10 and user verification 12 on the input device designed as a tablet and the transmission of the user identification 10 and user verification 12 to the server system of the account office 4 ,

In the server system of the account office 4 an adjustment takes place 130 between the server of the account office 4 deposited user verification and entered by the user and to the server system of the account 4 submitted user verification. This ensures that the user is authorized to access the account. In a positive comparison of the user verification is a Query for entering a value amount 140 to the input device 18 transmitted.

In a further step takes place at the input device 18 a manual entry of the value amount 150 by the user and a transmission of the entry of the value amount 160 to the server system of the account office 4 ,

In the server system of the account office 4 A generation of a value number limited to the amount of the value amount takes place 170 , wherein the value position number is preferably a numeric string. In addition, the value number generated by the server system becomes the mobile communication means 16 transmitted 175 , In this way, the user receives the generated in the amount of the entered value amount amount from the server system of the account point value number to the mobile communication device 16 , wherein the mobile communication means 16 is a mobile phone.

Upon receipt of the value number, the provisioning operation of the value position number is ended 180 and the connection between the input device 18 and the server system of the account office 4 terminated or interrupted.

In this way, a method is provided in which the user calls the user interface of the account office via a tablet. By entering the user identification and the user verification, the user can identify himself at the account office and call his registered account at the account office and request the provision of a value position number. The value is then queried by the server system of the account office. The user manually enters the amount of the value amount in the tablet and transmits this input to the server system of the account office. In the server system of the account office, the value number limited to the amount of value is generated and transmitted to the mobile communication means, which is preferably a mobile phone. On the user side, therefore, two independent systems are required for the provisioning process of the value number, so that the security in the process of providing the value number can be increased.

The value-number number generated by the server system of the account point preferably has a temporary validity, so that the value-number can only be used for a limited period of time. Thus, the user can preferably generate a temporary value number for a vacation, which expires after the expiry date.

To use the value assigned to the mobile communication means number for a payment transaction, this can be transmitted by wireless short-range transmission to a payment terminal. The short-range transmission can preferably be a wireless connection between the mobile communication means and the payment terminal. Thus, a user-friendly use of the provided value position number for a payment transaction is provided.

After the value date number has been used, the account of the user is debited to the account office, whereby the account debit does not exceed the value date value of the value date number. In this way, a payment transaction can be made with the value number generated by the server system of the account office, which is covered up to the amount of the value value of the value position number.

In 4 is that from the 3 Known methods for providing the value position number shown, in contrast to 3 now after the transfer of the value amount 160 to the server system of the account office 4 from the server system of the account office 4 a transaction verification 190 is queried, whereby the transaction verification 190 one from the server system of the account office 4 generated, randomized transaction PIN is and to the user contact data or to the user contact data associated mobile communication media 16 is transmitted.

The user gives the to the mobile communication means 16 transmitted transaction PIN at the input device 18 manually 200 and transmitted 205 the input to the server system of the account office 4 , In the server system of the account office 4 an adjustment takes place 210 between the generated transaction PIN and the transaction PIN transmitted via the input device to the server system.

At a positive balance 210 the server system of the account office generates the value number 170 and to the mobile communication device 16 transmitted 175 , Upon receipt of the value number, the provisioning operation of the value position number is ended 180 and the connection between the input device 18 and the server system of the account office 4 terminated or interrupted.

The transaction PIN generated by the server system of the account office preferably has a limited validity, so that it must be entered into the input device within a predetermined or limited time, after the transmission to the mobile communication device, and transmitted to the server system of the account office. If the transaction PIN transmitted to the mobile communication device is not input to the input device within the predetermined time for verification of the transaction and transmitted to the server system of the account office, it expires, so that the transaction PIN can no longer be used. The transaction PIN not used within the given time is thus worthless and can not be used for further verification.

In addition, it is provided that the transaction PIN is transmitted as a picture message to the mobile communication means. The user must then manually enter the transaction PIN in the input device and transmit it to the server system of the account office. In this way, it can be ensured that the transaction PIN is not automatically read, whereby the security can be increased when transmitting the transaction PIN.

LIST OF REFERENCE NUMBERS

2

account location

4

Server system of the account office

6

user

8th

account

10

user identification

12

user verification

14

User contact information

16

Mobile communication tool

18

input device

100

One-time registration

105

Deposit of registration data

110

Call user interface of the account office

120

Call account

130

Adjustment of user verification

140

Query value amount

150

Enter value amount

160

Transmission value amount

170

Generation of value position number

175

Transmission value position number

180

Termination deployment process

190

Query transaction verification

200

Enter transaction PIN

205

Transmission Enter transaction PIN

210

Match transaction PIN

Claims (10)

Method of providing a value date number, comprising the following steps: - One-time registration ( 100 ) of a user ( 6 ) at an account office ( 2 ) and setting up an account ( 8th ), Definition of a user identification ( 10 ), Determination of user verification ( 12 ) and user contact data ( 14 ) a mobile communication means ( 16 ), and deposit of registration data ( 105 ) in a server system of the account office ( 4 ); - calling a user interface of the account office ( 110 ) via an input device ( 18 ), the input device ( 18 ) with the server system of the account office ( 4 ) is connected by communication technology; - Calling up the account stored in the account office ( 120 ) by entering the user identification ( 10 ) and user verification ( 12 ) at the input device ( 18 ) and transmission of the user identification and the user verification to the server system of the account office ( 4 ); - Comparison between stored user verification and submitted user verification ( 150 ) within the server system of the account office ( 4 ); - For a positive comparison of user verification ( 130 ), Transmission of a query for entering a value amount ( 140 ); - Manual input ( 130 ) value of the value and transmission of the entry ( 160 ) of the value amount to the server system of the account office ( 4 ); - manually entering the maximum number of transactions that can be performed with the value date number; - Generation of a value number limited to the value of the value amount ( 170 ); - transmission of the value date number ( 175 ) to the mobile communication device ( 16 ) and / or the input device ( 18 ); - termination of the deployment process ( 180 ) the value number. Method according to claim 1, wherein the input device ( 18 ) an internet-enabled mobile communication device ( 16 ), that is compatible with the account 2 ) or the server system of the account office ( 4 ) is connected by communication technology, - on the mobile communication medium ( 16 ) an app or a website of the account office ( 2 ), - via the app or the website of the account office ( 2 ) entering the user identification ( 10 ) and user verification ( 12 ), - entering the user identification ( 10 ) and user verification ( 12 ) on the mobile communication device ( 16 ) opened app or website of the account office ( 2 ) and to the server system of the account office ( 4 ) is transmitted. Method according to one of the preceding claims, wherein the input device ( 18 ) via a wireless communication link with the server system of the account office ( 4 ) is connected. Method according to one of claims 1 to 3, wherein after the transmission of the value amount ( 160 ) to the server system of the account office ( 4 ) from the server system of the account office ( 4 ) a transaction verification ( 190 ) is queried. Method according to one of the preceding claims, wherein the transaction verification is performed by the server system of the account office ( 4 ) generated transaction PIN is, - the transaction PIN to the user contact data ( 14 ) or to the mobile contact means assigned to the user contact data ( 16 ), - the user ( 6 ) sent to the mobile communication 16 ) transmitted transaction PIN at the input device ( 18 ) enters ( 200 ), - transmits the input to the server system of the account office ( 205 ) and with the server system of the account office 4 matched transaction PIN ( 210 ) and - in the case of a positive comparison ( 210 ) the generated value position number ( 170 ) to the input device ( 18 ) and / or the mobile communication means ( 16 ) is transmitted. Method according to one of the preceding claims, wherein the transaction PIN as a text message and / or image message to the mobile communication means ( 16 ) is transmitted. Method according to one of the preceding claims, wherein the input of the value amount ( 150 ) and / or the transaction PIN ( 200 ) after the respective query within a given or specified time and to the server system of the account office ( 4 ) and if the predetermined or specified time is exceeded, the connection between the input unit ( 18 ) and the account ( 8th ) or the server system of the account office ( 4 ) is canceled. Method according to one of the preceding claims, wherein after provision or transmission of the value position number ( 175 ) a provisioning information about the value position number to the mobile communication means ( 16 ) and / or the input unit ( 18 ) is transmitted. Method according to one of the preceding claims, wherein after use of the value position number the account ( 8th ) of the user ( 6 ) at the account office ( 2 ), whereby the account debit does not exceed the value value of the value date number. Method according to one of the preceding claims, wherein the value position number after transmission to the mobile communication means ( 16 ) is transmitted from the latter, preferably by means of wireless local area transmission to a payment terminal.

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