DE10246123A1 - Process for the equalization of the value of services and / or services used via the Internet between a provider and a user - Google Patents
Process for the equalization of the value of services and / or services used via the Internet between a provider and a user Download PDFInfo
- Publication number
- DE10246123A1 DE10246123A1 DE2002146123 DE10246123A DE10246123A1 DE 10246123 A1 DE10246123 A1 DE 10246123A1 DE 2002146123 DE2002146123 DE 2002146123 DE 10246123 A DE10246123 A DE 10246123A DE 10246123 A1 DE10246123 A1 DE 10246123A1
- Authority
- DE
- Germany
- Prior art keywords
- services
- card
- data
- prepaid card
- credit
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Ceased
Links
Classifications
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
- G07F7/02—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/22—Payment schemes or models
- G06Q20/28—Pre-payment schemes, e.g. "pay before"
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/343—Cards including a counter
- G06Q20/3437—Cards including a counter the counter having non-monetary units, e.g. trips
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04M—TELEPHONIC COMMUNICATION
- H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
- H04M15/51—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP for resellers, retailers or service providers
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04M—TELEPHONIC COMMUNICATION
- H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
- H04M15/68—Payment of value-added services
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04M—TELEPHONIC COMMUNICATION
- H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
- H04M17/10—Account details or usage
- H04M17/106—Account details or usage using commercial credit or debit cards
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04M—TELEPHONIC COMMUNICATION
- H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
- H04M2017/14—Prepayment of wireline communication systems, wireless communication systems or telephone systems using commercial credit/debit cards, e.g. VISA, AMEX
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04M—TELEPHONIC COMMUNICATION
- H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
- H04M2215/01—Details of billing arrangements
- H04M2215/0196—Payment of value-added services, mainly when their charges are added on the telephone bill, e.g. payment of non-telecom services, e-commerce, on-line banking
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04M—TELEPHONIC COMMUNICATION
- H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
- H04M2215/22—Bandwidth or usage-sensitve billing
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04M—TELEPHONIC COMMUNICATION
- H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
- H04M2215/54—Resellers-retail or service providers billing, e.g. agreements with telephone service operator, activation, charging/recharging of accounts
Landscapes
- Engineering & Computer Science (AREA)
- Business, Economics & Management (AREA)
- Computer Networks & Wireless Communication (AREA)
- Physics & Mathematics (AREA)
- Signal Processing (AREA)
- General Physics & Mathematics (AREA)
- Accounting & Taxation (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- Theoretical Computer Science (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Computer Security & Cryptography (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Processing Or Creating Images (AREA)
Abstract
Die Erfindung betrifft ein Verfahren zum Wertausgleich von über das Internet in Anspruch genommenen Leistungen und/oder Diensten zwischen einem Anbieter und einem Nutzer, wobei hierzu erfindungsgemäß eine Guthabenkarte verwendet wird. Der Anbieter von Internetleistungen kann den Nutzer anhand der Guthabenkarte identifizieren und die Leistungen und/oder Dienste anhand der Identifikation direkt oder indirekt anhand von auf der Guthabenkarte gespeicherten Guthabendaten abrechnen.The invention relates to a method for equalizing the value of services and / or services used via the Internet between a provider and a user, a credit card being used for this purpose according to the invention. The provider of internet services can identify the user on the basis of the prepaid card and can invoice the services and / or services based on the identification directly or indirectly using prepaid data stored on the prepaid card.
Description
Die Erfindung betrifft ein Verfahren zum Wertausgleich von über das Internet in Anspruch genommenen Leistungen und/oder Diensten zwischen einem Anbieter und einem Nutzer. Das Internet ermöglicht einen schnellen, global vernetzten Datenzugriff und/oder Datentransfer.The invention relates to a method to compensate for over services and / or services used on the Internet between a provider and a user. The internet makes one possible fast, globally networked data access and / or data transfer.
Ein Großteil der im Internet verfügbaren Auftritte und Dienste, wie z.B. eine Archivrecherche, ist zum Abruf kostenpflichtig. Andere Internetadressen stellen eine Plattform zur Nutzung, Bestellung oder zum Erwerb eines Produktes oder einer Dienstleistung bereit, wobei für einen damit verbundenen Wertausgleich und/oder eine eindeutige Identifikation des Kunden entsprechende Bezahlverfahren vorgehalten sind.Most of the websites available on the Internet and services such as an archive search is subject to a fee for retrieval. Other Internet addresses provide a platform for use, ordering or ready to purchase a product or service, being for associated value adjustment and / or clear identification corresponding payment methods are maintained by the customer.
Bekannte Verfahren zum Ausgleich monetärer Forderungen werden über eine Angabe und anschießende Prüfung relevanter Kennzahlen einer Kreditkarte oder einer Bankverbindung eingeleitet. Andere Verfahren basieren auf Erkennung der stehenden Kommunikationsverbindung, wie z.B. Festnetz, Mobilfunk, Modem, etc., und im weiteren deren zugeordnete Gebührenabrechnung.Known methods of compensation monetary Claims are about an indication and subsequent exam relevant key figures of a credit card or bank details initiated. Other methods are based on the detection of the standing Communication link, e.g. Landline, mobile phone, modem, etc., and further their associated billing.
Obschon diese Methoden bereits einen hohen Sicherheitsstandard aufweisen, sind nicht alle Bedenken und Hemmschwellen ausgeräumt.Although these methods are already one have high security standards are not all concerns and Inhibitions cleared.
Publikationen zu Einzelfällen, bei denen es zu
- – nicht autorisiertem
- – nicht eindeutig nachvollziehbarem
- – dem Umfange nach, überhöhtem
- - unauthorized
- - not clearly understandable
- - Extented, excessive
Zugriff auf Daten und/oder Konten kam, folgerten in einem entsprechenden Misstrauen in der Bevölkerung über die direkt Betroffenen hinaus.Access to data and / or accounts came, concluded in a corresponding distrust of the population directly affected.
Ein weiteres Hindernis, kostenpflichtige Dienste im Internet zu verwenden, sehen manche in der – für Dritte – transparenten Dokumentation der angeschlossenen Gebührenabrechnung. Diese ist beispielsweise auf einem Bankauszug bzw. einem Einzelverbindungsnachweis ersichtlich.Another obstacle, paid services Some see using the Internet in the - for third parties - transparent documentation the connected fee statement. This is, for example, on a bank statement or an itemized statement seen.
Die Konsequenz ist ein wirtschaftlicher Schaden für die Anbieter von Waren oder kostenpflichtigen Diensten im Internet. Für Viele besteht zwar ein Interesse an kostenpflichtigen, über das Internet abruf- oder orderbaren Leistungen, zur Durchführung kommt es jedoch aus oben genannten Gründen selten.The consequence is economic damage for the Providers of goods or paid services on the Internet. For many there is an interest in fee-based, about Services that can be called up or ordered on the Internet are implemented it however for the reasons mentioned above Rare.
Die Aufgabe der Erfindung besteht darin, ein Verfahren zum Wertausgleich von über das Internet in Anspruch genommenen Leistungen und/oder Diensten zwischen einem Anbieter und einem Nutzer anzugeben, das eine solle Kostenkontrolle sowie eine weitgehende Anonymität des Nutzers bzw. Inhabers (Regulierers) gewährleistet.The object of the invention is in it, a method of equalizing claims over the Internet services and / or services taken between a provider and to specify a user who should have a cost control and a extensive anonymity of the user or owner (regulator) guaranteed.
Diese Aufgabe wird erfindungemäß durch die Merkmale des Anspruchs 1 gelöst.This task is inventively by Features of claim 1 solved.
Vorteilhafte Ausgestaltungen und Weiterbildungen der Erfindung sind in den abhängigen Ansprüchen angegeben.Advantageous configurations and Further developments of the invention are specified in the dependent claims.
Der erfindungsgemäße Gedanke löst das Problem durch Bereitstellung eines Mediums zum Wertausgleich, das volle Kostenkontrolle sowie weitgehende Anonymität des Inhabers (Regulierers) gewährleistet.The idea according to the invention solves the problem by providing a medium for value adjustment, the full Cost control and extensive anonymity of the owner (regulator) guaranteed.
Hierfür kommt eine Guthabenkarte, ähnlich einer sogenannten „Prepaid Card", wie sie z.B. im Bereich Mobilfunk verwendet wird, zum Einsatz. Dieser Guthabenkarte ist – aus rechtlichen Gründen – zumindest eine eindeutige Identifikation des Nutzers, wie z.B. eine Bankverbindung, zugeordnet.For this comes a credit card, similar to one so-called "prepaid Card "as e.g. is used in the field of mobile communications. This prepaid card is - out legal reasons - at least clear identification of the user, e.g. a bank account, assigned.
Die Guthabenkarte
- – kann generell nicht in ein Soll belastet werden,
- – ist vorzugsweise SAT-fähig (online-banking),
- – kann optional zu Zwecken der Telefonie oder an Automaten eingesetzt
- - can generally not be debited to a debit,
- - is preferably SAT-capable (online banking),
- - Can optionally be used for telephony purposes or on machines
Mögliche Ausprägungen zur Identifikation der Karte als Zahlungsmittel können sein:
- – ein Magnetstreifen,
- – ein Mikroprozessorchip,
- – eindeutige Kennungen,
- – Verbindung zu anderen Identifikationskriterien (z.B. per bluetooth zu Handy).
- - a magnetic stripe,
- - a microprocessor chip,
- - unique identifiers,
- - Connection to other identification criteria (e.g. via bluetooth to cell phone).
Der Anbieter von Internetleistungen kann einen Nutzer anhand der Guthabenkarte identifizieren und die Leistungen und/oder Dienste anhand der Identifikation direkt oder indirekt anhand von auf der Guthabenkarte gespeicherten Guthabendaten abrechnen.The provider of internet services can identify a user using the prepaid card and the Services and / or services based on the identification directly or indirectly using credit data stored on the credit card settle up.
Eine weitere Ausgestaltung der Erfindung ermöglicht es, die Daten der Guthabenkarte temporär in einen Speicher außerhalb der Guthabenkarte abzuspeichern, so dass auf die Daten der Guthabenkarte auch dann zugegriffen werden kann, wenn die Guthabenkarte nicht physisch präsent ist. Nach Abschluss des Wertausgleiches durch Abrechnung des geschuldeten Betrages im temporären Speicher wird die Guthabenkarte durch Überschreiben mit dem Speicherinhalt des temporären Speichers aktualisiert und ggf. der Speicherinhalt danach gelöscht. Ein Missbrauch der Karte wird dadurch verhindert, dass nach dem Auslesen der Guthabenkarte und Abspeichern deren Daten in dem temporären Speicher die Karte für weitere Auslesevorgänge gesperrt ist. Diese Sperre wird erst mit dem Aktualisieren der Guthabenkarte aufgehoben.Another embodiment of the invention allows it, the data of the prepaid card temporarily in a memory outside save the prepaid card, so that the data of the prepaid card can be accessed even if the prepaid card is not physically present is. After completion of the value adjustment by settlement of the owed Amount in the temporary The credit card is saved by overwriting it with the memory content of the temporary Memory updated and if necessary the memory content deleted afterwards. An abuse The card is prevented from reading the credit card and storing their data in the temporary memory the card for others readouts Is blocked. This lock is only released when the credit card is updated canceled.
Damit eröffnet sich auch die Möglichkeit, den im temporären Speicher befindlichen Guthabenbetrag mittels einer oder mehreren weiteren Guthabenkarten aufzustocken, indem die Daten dieser weiteren Guthabenkarten in den temporären Speicher mit eingelesen werden und somit die Summe der Guthaben für finanzielle Transaktionen zur Verfügung stehen. Auch hier werden alle verwendeten Karten erst nach dem Aktualisieren für weitere Auslesevorgänge frei geschaltet.This also opens up the possibility of increasing the amount of credit in the temporary memory by means of one or more additional credit cards by reading the data of these additional credit cards into the temporary memory and thus making the total of the credit available for financial transactions. Here, too, all cards used are only used for further reading processes after they have been updated unlocked.
Das erfindungsgemäße Verfahren mit oder ohne Ausstockung des Guthabens mit zusätzlichen Guthabenkarten kann auch bei der Abrechnung von Tarifen ähnlich dem Einsatz bei Kartentelefonen oder Bezahlvorgängen an Verkaufsautomaten Verwendung finden.The method according to the invention with or without The credit can be supplemented with additional credit cards also when billing tariffs similar to the use of card phones or payment transactions can be used on vending machines.
Claims (9)
Priority Applications (4)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
DE2002146123 DE10246123A1 (en) | 2002-10-01 | 2002-10-01 | Process for the equalization of the value of services and / or services used via the Internet between a provider and a user |
EP03773473A EP1550088A2 (en) | 2002-10-01 | 2003-09-30 | Method for reconciling work and/or services provided to a user by a provider via the internet |
AU2003281926A AU2003281926A1 (en) | 2002-10-01 | 2003-09-30 | Method for reconciling work and/or services provided to a user by a provider via the internet |
PCT/DE2003/003267 WO2004032449A2 (en) | 2002-10-01 | 2003-09-30 | Method for reconciling work and/or services provided to a user by a provider via the internet |
Applications Claiming Priority (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
DE2002146123 DE10246123A1 (en) | 2002-10-01 | 2002-10-01 | Process for the equalization of the value of services and / or services used via the Internet between a provider and a user |
Publications (1)
Publication Number | Publication Date |
---|---|
DE10246123A1 true DE10246123A1 (en) | 2004-04-15 |
Family
ID=32010139
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
DE2002146123 Ceased DE10246123A1 (en) | 2002-10-01 | 2002-10-01 | Process for the equalization of the value of services and / or services used via the Internet between a provider and a user |
Country Status (4)
Country | Link |
---|---|
EP (1) | EP1550088A2 (en) |
AU (1) | AU2003281926A1 (en) |
DE (1) | DE10246123A1 (en) |
WO (1) | WO2004032449A2 (en) |
Citations (8)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
DE19812125A1 (en) * | 1997-10-10 | 1999-04-15 | Klein Patrick | Access and payment method for purchasing services via telecommunications network using chip card |
DE19906213A1 (en) * | 1999-02-15 | 2000-08-24 | Siemens Ag | Method and device for billing fee-based communication services |
DE10002881A1 (en) * | 1999-01-15 | 2000-08-31 | Herbert Nebel | Method of paying for services of diverse value in multi-user data transmission network requires inclusion of inseparable validity data in voucher data which is inspected before providing service. |
WO2001043095A2 (en) * | 1999-12-01 | 2001-06-14 | Intermec Ip Corp. | Automatic payment system for a plurality of remote merchants |
DE10001097A1 (en) * | 2000-01-13 | 2001-07-19 | Scm Microsystems Gmbh | Electronic payment system for services, software and multimedia content |
WO2001089148A2 (en) * | 2000-05-16 | 2001-11-22 | Kosmos | Improved data exchange installation in a network and associated banking card and method |
DE10104540A1 (en) * | 2000-11-20 | 2002-05-29 | Siemens Ag | Operating method of an electronic prepaid account and arrangement for its implementation |
FR2819128A1 (en) * | 2001-01-04 | 2002-07-05 | Sagem | Terminal for processing payment over telephone line using smart card has telephone number specifying device used to select line to perform commercial transaction |
Family Cites Families (5)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
JP2896694B2 (en) | 1990-05-25 | 1999-05-31 | 株式会社日本コンラックス | Prepaid card system |
JPH0737147A (en) | 1993-07-16 | 1995-02-07 | Fujitsu Ltd | Card processor with linked processing function |
DE4437283C1 (en) * | 1994-10-18 | 1996-03-14 | Accumulata Symi Grundstuecks G | Electronic wallet |
CA2191502C (en) * | 1995-12-08 | 2002-02-05 | Masayuki Ohki | Holding apparatus of electronic money |
WO2001059722A2 (en) | 2000-02-08 | 2001-08-16 | Tokyo Mechatronics Co., Limited | Prepaid card settlement system and method on internet and apparatus and method for using them |
-
2002
- 2002-10-01 DE DE2002146123 patent/DE10246123A1/en not_active Ceased
-
2003
- 2003-09-30 WO PCT/DE2003/003267 patent/WO2004032449A2/en not_active Application Discontinuation
- 2003-09-30 EP EP03773473A patent/EP1550088A2/en not_active Ceased
- 2003-09-30 AU AU2003281926A patent/AU2003281926A1/en not_active Abandoned
Patent Citations (8)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
DE19812125A1 (en) * | 1997-10-10 | 1999-04-15 | Klein Patrick | Access and payment method for purchasing services via telecommunications network using chip card |
DE10002881A1 (en) * | 1999-01-15 | 2000-08-31 | Herbert Nebel | Method of paying for services of diverse value in multi-user data transmission network requires inclusion of inseparable validity data in voucher data which is inspected before providing service. |
DE19906213A1 (en) * | 1999-02-15 | 2000-08-24 | Siemens Ag | Method and device for billing fee-based communication services |
WO2001043095A2 (en) * | 1999-12-01 | 2001-06-14 | Intermec Ip Corp. | Automatic payment system for a plurality of remote merchants |
DE10001097A1 (en) * | 2000-01-13 | 2001-07-19 | Scm Microsystems Gmbh | Electronic payment system for services, software and multimedia content |
WO2001089148A2 (en) * | 2000-05-16 | 2001-11-22 | Kosmos | Improved data exchange installation in a network and associated banking card and method |
DE10104540A1 (en) * | 2000-11-20 | 2002-05-29 | Siemens Ag | Operating method of an electronic prepaid account and arrangement for its implementation |
FR2819128A1 (en) * | 2001-01-04 | 2002-07-05 | Sagem | Terminal for processing payment over telephone line using smart card has telephone number specifying device used to select line to perform commercial transaction |
Non-Patent Citations (2)
Title |
---|
JP 2001 266230 A, PAJ, JPO und online-Übersetzung des JPO * |
JP 2002 083237 A, PAJ, JPO und online-Übersetzung des JPO * |
Also Published As
Publication number | Publication date |
---|---|
AU2003281926A1 (en) | 2004-04-23 |
WO2004032449A2 (en) | 2004-04-15 |
AU2003281926A8 (en) | 2004-04-23 |
WO2004032449A3 (en) | 2005-01-20 |
EP1550088A2 (en) | 2005-07-06 |
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Legal Events
Date | Code | Title | Description |
---|---|---|---|
OP8 | Request for examination as to paragraph 44 patent law | ||
8131 | Rejection |