DE19850089A1 - Electronic payment methods on the Internet - Google Patents

Electronic payment methods on the Internet

Info

Publication number
DE19850089A1
DE19850089A1 DE1998150089 DE19850089A DE19850089A1 DE 19850089 A1 DE19850089 A1 DE 19850089A1 DE 1998150089 DE1998150089 DE 1998150089 DE 19850089 A DE19850089 A DE 19850089A DE 19850089 A1 DE19850089 A1 DE 19850089A1
Authority
DE
Germany
Prior art keywords
internet
money
certain
account
user
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Withdrawn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
DE1998150089
Other languages
German (de)
Inventor
Michael Luebbehusen
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.)
MAZ MIKROELEKTRONIK ANWENDUNGS
Original Assignee
MAZ MIKROELEKTRONIK ANWENDUNGS
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 MAZ MIKROELEKTRONIK ANWENDUNGS filed Critical MAZ MIKROELEKTRONIK ANWENDUNGS
Priority to DE1998150089 priority Critical patent/DE19850089A1/en
Priority to PCT/EP1999/007935 priority patent/WO2000026867A1/en
Publication of DE19850089A1 publication Critical patent/DE19850089A1/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Withdrawn legal-status Critical Current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
    • G07F7/10—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 together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/29—Payment schemes or models characterised by micropayments
    • 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
    • G06Q20/346—Cards serving only as information carrier of service
    • 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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions

Abstract

The invention relates to a method for paying small or very small amounts of money for settling orders via the internet or a comparable network by a user. Disk-shaped storage media which can be read via the drive of the personal computer of the user and which contain stored data permit a correlation with an account with a certain amount of money and also permit the transfer of certain amounts of money from said account to the account of a provider or merchant. Communication between the users via the network is protected by using cryptographic methods, encryption (private/public key) and digital signatures.

Description

Die Erfindung bezieht sich auf ein Verfahren zur Internet- Überweisung kleiner bzw. kleinster Geldbeträge für Internet- Bestellungen durch einen Internetbenutzer.The invention relates to a method for Internet Transfer of small or smallest amounts of money for internet Orders placed by an internet user.

Bargeldlose Zahlungen werden heute überwiegend über Kreditkarte getätigt, seltener auch gegen Rechnung und Bezahlung per Nachnahme. In jedem Fall werden hierbei größere finanzielle Transaktionen angestoßen.Cashless payments are predominantly used today Credit card made, less often against invoice and Cash on delivery. In any case, here initiated larger financial transactions.

In Zukunft wird es jedoch auch Bedarf geben für Mehrwertdienste, schnell und unbürokratisch kleine Beträge vom Internetbenutzer abzufordern, ohne ihn jedesmal dazu auffordern zu müssen bzw. die oben beschriebene Prozeduren durchlaufen zu müssen, deren Aufwand in keinem Verhältnis zu dem geforderten kleinen Betrag steht. In diesem Fall spricht man auch von sog. Micropayments oder electronic wallet.In the future, however, there will also be a need for Value-added services, quick and unbureaucratic small amounts to request from the Internet user without having to do it every time have to ask or the procedures described above having to go through, their effort out of proportion to the small amount requested. In this case it speaks one also of so-called micropayments or electronic wallet.

Als Lösung wird hier vorgeschlagen der Einsatz scheibenförmiger Speichermedien, die über das Laufwerk des Personalcomputers des Internetbenutzers auslesbar sind und gespeicherte Daten enthalten, die einerseits Geldbeträgen äquivalent sind und andererseits über den Personalcomputer zum Anbieter auf das dortige Konto des Internetbenutzers übertragbar sind.Use as a solution is proposed here disk-shaped storage media that are on the drive of the Personal computers of the Internet user are readable and stored data contain, on the one hand, amounts of money are equivalent and on the other hand via the personal computer to the provider on the account of the Internet user there are transferable.

Ähnlich wie eine Telefonkarte benutzt man vorzugsweise eine Compact Disc (CD) oder Digital Versatile Disc (DVD), also ein scheibenförmiges Speichermedium, auf der ein fester Geldbetrag gespeichert ist. Da praktisch jeder PC, der heute betrieben wird, bereits über ein entsprechendes Laufwerk verfügt, ist kein zusätzliches Peripheriegerät, wie zum Beispiel ein Karlenlesegerät, notwendig. Internetprovider würden über den Handel solche auf den Provider zugeschnittene "webdiscs" verkaufen, die die Micropayment- Angebote dieses Providers unterstützen.Similar to a phone card, it is preferable to use one Compact disc (CD) or digital versatile disc (DVD) a disk-shaped storage medium on which a fixed  Amount of money is saved. Since practically every PC today is already operated, via an appropriate drive is not an additional peripheral, such as Example a Karlen reader, necessary. Internet provider would trade such on the provider sell tailored "webdiscs" that the micropayment- Support offers from this provider.

Zudem wird bei dem Verfahren nach der Erfindung erreicht, daß
In addition, it is achieved in the method according to the invention that

  • a) die Anonymität des Benutzers und seiner Bankverbindung gewahrt wird unda) the anonymity of the user and his bank details is preserved and
  • b) der Benutzer ein überschaubares Risiko im Mißbrauchsfalle hat.b) the user a manageable risk in Abuse case.

Die Einmalabspielbarkeit der CD/DVD läßt sich im sog. Masteringprozess oder durch softwareseitige Steuerung des Laufwerkes umsetzen.The CD / DVD can be played once in the so-called Mastering process or by software control of the Relocate the drive.

Für die DVD gibt es bislang das sog. DIVX-Verfahren, das ein pay per view zuläßt: Ein digital gespeicherter Videofilm läßt sich bei Kauf der Scheibe nur einmal abspielen. Möchte man den Film noch einmal sehen, muß der Player die Disc noch einmal für einen weiteren einmaligen Zugriff oder für unbegrenzten Zugriff freischalten, nachdem er einen weiteren Betrag an die DIVX-Zentrale überwiesen hat. Die Freischaltung bzw. die Kommunikation zwischen dem Player und der Zentrale geschieht über ein Modem, d. h. um DIVX-Scheiben abzuspielen, braucht man einen speziellen Player.So far, there is the so-called DIVX process for the DVD, the one pay per view permits: A digitally stored video film can only be played once when the disc is purchased. Would like to if you watch the movie again, the player still needs the disc once for another one-time access or for Unlock unlimited access after getting another Transferred the amount to the DIVX headquarters. The Activation or communication between the player and the center is done via a modem, d. H. around DIVX disks to play, you need a special player.

Claims (5)

1. Verfahren zur Internet-Uberweisung kleiner bzw. kleinster Geldbeträge für Internet-Bestellungen durch einen Internetbenutzer, gekennzeichnet durch den Einsatz scheibenförmiger Speichermedien, die über das Laufwerk des Personalcomputers des Internetbenutzers auslesbar sind und gespeicherte Daten enthalten, die einerseits Geldbeträgen äquivalent sind und andererseits über den Personalcomputer zum Anbieter auf das dortige Konto des Internetbenutzers übertragbar sind.1.Procedure for the Internet transfer of small or very small amounts of money for Internet orders by an Internet user, characterized by the use of disk-shaped storage media that can be read out via the drive of the Internet user's personal computer and contain stored data that are equivalent to amounts of money on the one hand and on the other the personal computer can be transferred to the provider on the account of the Internet user there. 2. Verfahren nach Anspruch 1, dadurch gekennzeichnet, daß eine bestimmte Datenmenge, ein bestimmter Datenstrom bestimmte physikalische Strukturen, Anzahl der Spuren, Spurabstand, Größe der Pits, und/oder bestimmte Qualitätsmerkmale, wie z. B. Symmetrie, HF-Signal, jitter usw. einer bestimmten Geldmenge äquivalent ist.2. The method according to claim 1, characterized in that a certain amount of data, a certain data stream certain physical structures, number of tracks, Track spacing, size of the pits, and / or certain Quality features, such as B. symmetry, RF signal, jitter etc. is equivalent to a certain amount of money. 3. Verfahren nach einem der Ansprüche 1 oder 2, dadurch gekennzeichnet, daß bestimmte Steuer- und Kontrollsignale des Laufwerkes, wie die Umdrehungsgeschwindigkeit einer bestimmten Geldmenge äquivalent sind.3. The method according to any one of claims 1 or 2, characterized characterized that certain control and control signals  of the drive, like the speed of rotation of a certain amount of money are equivalent. 4. Verfahren nach einem der Ansprüche 1 bis 3, dadurch gekennzeichnet, daß die Speicherscheibe (CD/DVD) nur einmal abspielbar ist.4. The method according to any one of claims 1 to 3, characterized characterized that the storage disc (CD / DVD) only once is playable. 5. Verfahren nach einem der Ansprüche 1 bis 4, dadurch gekennzeichnet, daß die Kommunikation zwischen der Scheibe (CD/DVD), PC und Internet über Software durchgeführt wird, die sich entweder auf der Scheibe und/oder auf dem Rechner befindet und/oder aus dem Internet heruntergeladen wird.5. The method according to any one of claims 1 to 4, characterized characterized that communication between the disc (CD / DVD), PC and Internet is carried out via software, which are either on the disc and / or on the computer located and / or downloaded from the Internet.
DE1998150089 1998-10-30 1998-10-30 Electronic payment methods on the Internet Withdrawn DE19850089A1 (en)

Priority Applications (2)

Application Number Priority Date Filing Date Title
DE1998150089 DE19850089A1 (en) 1998-10-30 1998-10-30 Electronic payment methods on the Internet
PCT/EP1999/007935 WO2000026867A1 (en) 1998-10-30 1999-10-19 Method for the electronic payment via internet

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
DE1998150089 DE19850089A1 (en) 1998-10-30 1998-10-30 Electronic payment methods on the Internet

Publications (1)

Publication Number Publication Date
DE19850089A1 true DE19850089A1 (en) 2000-05-04

Family

ID=7886175

Family Applications (1)

Application Number Title Priority Date Filing Date
DE1998150089 Withdrawn DE19850089A1 (en) 1998-10-30 1998-10-30 Electronic payment methods on the Internet

Country Status (2)

Country Link
DE (1) DE19850089A1 (en)
WO (1) WO2000026867A1 (en)

Families Citing this family (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20020191788A1 (en) * 2001-03-28 2002-12-19 Eastman Kodak Company Credit or debit copy-protected optical disc

Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
DE19620425A1 (en) * 1996-05-21 1997-11-27 Nvg Netcard Vermarktungs Gmbh Data carrier card and device for reading / writing the data carrier card in a floppy disk drive
DE19753995A1 (en) * 1996-12-06 1998-06-10 Prosper Creative Co Marketing system

Family Cites Families (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1995016971A1 (en) * 1993-12-16 1995-06-22 Open Market, Inc. Digital active advertising
US5692132A (en) * 1995-06-07 1997-11-25 Mastercard International, Inc. System and method for conducting cashless transactions on a computer network
US5825881A (en) * 1996-06-28 1998-10-20 Allsoft Distributing Inc. Public network merchandising system

Patent Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
DE19620425A1 (en) * 1996-05-21 1997-11-27 Nvg Netcard Vermarktungs Gmbh Data carrier card and device for reading / writing the data carrier card in a floppy disk drive
DE19753995A1 (en) * 1996-12-06 1998-06-10 Prosper Creative Co Marketing system

Also Published As

Publication number Publication date
WO2000026867A1 (en) 2000-05-11

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Legal Events

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8139 Disposal/non-payment of the annual fee