DE19805056A1 - Method of cashless transactions or transfers by mobile telephones or car telephones of all types with credit cards of all types - Google Patents

Method of cashless transactions or transfers by mobile telephones or car telephones of all types with credit cards of all types

Info

Publication number
DE19805056A1
DE19805056A1 DE19805056A DE19805056A DE19805056A1 DE 19805056 A1 DE19805056 A1 DE 19805056A1 DE 19805056 A DE19805056 A DE 19805056A DE 19805056 A DE19805056 A DE 19805056A DE 19805056 A1 DE19805056 A1 DE 19805056A1
Authority
DE
Germany
Prior art keywords
types
telephones
account
transfers
credit cards
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Withdrawn
Application number
DE19805056A
Other languages
German (de)
Inventor
Juergen Schrepel
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Individual
Original Assignee
Individual
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Individual filed Critical Individual
Priority to DE19805056A priority Critical patent/DE19805056A1/en
Publication of DE19805056A1 publication Critical patent/DE19805056A1/en
Withdrawn legal-status Critical Current

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
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/0866—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means by active credit-cards adapted therefor
    • 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
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/0873—Details of the card reader
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M11/00—Telephonic communication systems specially adapted for combination with other electrical systems

Abstract

The method involves using an arrangement whereby an account card, in which an account number is stored, is inserted into a reader and a personal secure number entered. The reader is integrated into a mobile telephone which communicates by radio telephone with the institute which conducts the account.

Description

Das ProblemThe problem

Die Bequemlichkeit der Menschen nimmt immer heftiger zu. Die meisten möchten nur noch mit "Karte" bezahlen. Zum Beispiel: Neulich traf ich einen Bekannten von mir, der mir mein Motorrad abkaufen wollte. Als ich mit Ihm über den Verkaufspreis einig war, meinte ich aus Spaß zu ihm, er könne mir seine EC-Karte geben und ich werde diese in mein Handy stecken und mir das Geld auf mein Konto selbst überweisen.The comfort of people is increasing more and more violently. Most just want to pay with "card". For example: The other day I met a friend of mine who gave me mine Wanted to buy a motorcycle. When I agreed with him about the sale price, I said no Have fun with him, he can give me his debit card and I will put it in my cell phone and transfer the money to my account myself.

Und so soll es funktionierenAnd that's how it should work

Ich schiebe die fremde EC-Karte einfach in das Handy unten rein und baue zunächst eine Bankverbindung zu meiner Bank auf. Jetzt muß der Besitzer der EC-Karte nur noch seine Geheimnummer eintippen, den gewünschten Betrag einsetzen und bestätigen. Als nächster Schritt, wird der gewünschte Betrag von dem fremden Konto auf mein Konto gutgeschrieben, bzw. eine Lastschrift in Bewegung gesetzt. Natürlich kann ich auf diese Weise auch meine eigenen Überweisungen tätigen und meinen Kontostand jederzeit abrufen, oder die Karten durch die Bank laden lassen. Man kann auch spezielle Kreditkarten für bargeldlosen Handy­ zahlungsverkehr entwickeln die man dann bei seiner Hausbank laden läßt.I just slide the other EC card into the cell phone below and build one first Bank details to my bank. Now the owner of the EC card only needs his Enter the PIN, insert the desired amount and confirm. Next up Step, the desired amount is credited from the foreign account to my account, or a direct debit is set in motion. Of course I can also mine this way make my own transfers and check my account balance at any time, or the cards let it load through the bank. One can also use special credit cards for cashless cell phones Develop payment transactions that you then have loaded at your house bank.

Am besten ist diese Idee bei Kaufleuten angebracht, z. B. vom Kleinladen bis hin zum Versicherungsvertreter der seine Erstprämie auf diese Weise vor Ort bei Kunden abbuchen kann, so daß der Versicherungsschutz sofort beginnt!This idea is best applied to merchants, e.g. B. from the small shop to Insurance agent who debits his first premium on-site at customers in this way can, so that insurance coverage begins immediately!

Es gibt in der weltweiten freien Wirtschaft wahrscheinlich tausende Möglichkeiten diese Idee bzw. dieses System einzusetzen.There are probably thousands of possibilities of this idea in the free world economy or use this system.

Claims (1)

Vorrichtung zur Durchführung einer Kontobewegung wobei eine die Kontonummer speichernde Karte in eine Lesevorrichtung eingeführt und eine persönliche Geheimzahl eingegeben wird, dadurch gekennzeichnet, daß die Lesevorrichtung in ein tragbares Funktelefon (Handy) integriert ist und die Kommunikation mit dem kontoführenden Institut auf funktelefonischem Weg erfolgt.Device for carrying out an account movement whereby a card storing the account number is inserted into a reading device and a personal secret number is entered, characterized in that the reading device is integrated in a portable radio telephone (cell phone) and the communication with the account-managing institute takes place by radio telephone.
DE19805056A 1998-02-10 1998-02-10 Method of cashless transactions or transfers by mobile telephones or car telephones of all types with credit cards of all types Withdrawn DE19805056A1 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
DE19805056A DE19805056A1 (en) 1998-02-10 1998-02-10 Method of cashless transactions or transfers by mobile telephones or car telephones of all types with credit cards of all types

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
DE19805056A DE19805056A1 (en) 1998-02-10 1998-02-10 Method of cashless transactions or transfers by mobile telephones or car telephones of all types with credit cards of all types

Publications (1)

Publication Number Publication Date
DE19805056A1 true DE19805056A1 (en) 1999-08-12

Family

ID=7857054

Family Applications (1)

Application Number Title Priority Date Filing Date
DE19805056A Withdrawn DE19805056A1 (en) 1998-02-10 1998-02-10 Method of cashless transactions or transfers by mobile telephones or car telephones of all types with credit cards of all types

Country Status (1)

Country Link
DE (1) DE19805056A1 (en)

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
DE10003875A1 (en) * 2000-01-28 2001-08-16 Kommconsult Datenverarbeitung Payment execution device for cashless payment and method for executing a cashless payment
WO2001075828A1 (en) * 2000-03-31 2001-10-11 Tre Sigma S.R.L. New bank/market organizational model
WO2001080193A1 (en) * 2000-04-17 2001-10-25 Cardsoft International Pty Limited Communications device with card facility

Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4860336A (en) * 1987-06-02 1989-08-22 Motorola, Inc. Radiotelephone credit card data communications
DE4013147A1 (en) * 1990-04-25 1991-10-31 Schreiber Hans Garage fuel pump with automatic charge card - allows fuel charge to be transmitted to control reception point after dispensing
US5144649A (en) * 1990-10-24 1992-09-01 Gte Mobile Communications Service Corporation Cellular radiotelephone credit card paystation method
DE4335317A1 (en) * 1993-10-15 1995-04-20 Detecon Gmbh Method for recording and exchanging data
DE29613908U1 (en) * 1996-07-30 1997-03-20 Kuban Waldemar Smart card reader based on the mobile phone
FR2740291A1 (en) * 1995-10-20 1997-04-25 Sagem Radiotelephone with housing for connection of micro-circuits

Patent Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4860336A (en) * 1987-06-02 1989-08-22 Motorola, Inc. Radiotelephone credit card data communications
DE4013147A1 (en) * 1990-04-25 1991-10-31 Schreiber Hans Garage fuel pump with automatic charge card - allows fuel charge to be transmitted to control reception point after dispensing
US5144649A (en) * 1990-10-24 1992-09-01 Gte Mobile Communications Service Corporation Cellular radiotelephone credit card paystation method
DE4335317A1 (en) * 1993-10-15 1995-04-20 Detecon Gmbh Method for recording and exchanging data
FR2740291A1 (en) * 1995-10-20 1997-04-25 Sagem Radiotelephone with housing for connection of micro-circuits
DE29613908U1 (en) * 1996-07-30 1997-03-20 Kuban Waldemar Smart card reader based on the mobile phone

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
DE10003875A1 (en) * 2000-01-28 2001-08-16 Kommconsult Datenverarbeitung Payment execution device for cashless payment and method for executing a cashless payment
WO2001075828A1 (en) * 2000-03-31 2001-10-11 Tre Sigma S.R.L. New bank/market organizational model
WO2001080193A1 (en) * 2000-04-17 2001-10-25 Cardsoft International Pty Limited Communications device with card facility

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Legal Events

Date Code Title Description
OM8 Search report available as to paragraph 43 lit. 1 sentence 1 patent law
8139 Disposal/non-payment of the annual fee