DE19903822C2 - Verfahren zur Durchführung bargeldloser Zahlungen und System zur Durchführung des Verfahrens - Google Patents

Verfahren zur Durchführung bargeldloser Zahlungen und System zur Durchführung des Verfahrens

Info

Publication number
DE19903822C2
DE19903822C2 DE19903822A DE19903822A DE19903822C2 DE 19903822 C2 DE19903822 C2 DE 19903822C2 DE 19903822 A DE19903822 A DE 19903822A DE 19903822 A DE19903822 A DE 19903822A DE 19903822 C2 DE19903822 C2 DE 19903822C2
Authority
DE
Germany
Prior art keywords
identifier
dealer
transaction
data
radio telephone
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.)
Expired - Fee Related
Application number
DE19903822A
Other languages
German (de)
English (en)
Other versions
DE19903822A1 (de
Inventor
Mathias Entenmann
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.)
PAYBOX.NET AG, 65479 RAUNHEIM, DE
Original Assignee
Mathias Entenmann
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
Priority to DE19903822A priority Critical patent/DE19903822C2/de
Application filed by Mathias Entenmann filed Critical Mathias Entenmann
Priority to CZ20012663A priority patent/CZ301247B6/cs
Priority to KR1020017009780A priority patent/KR20010108166A/ko
Priority to HU0105475A priority patent/HU227291B1/hu
Priority to CA002361489A priority patent/CA2361489A1/en
Priority to RU2001124358/09A priority patent/RU2242795C2/ru
Priority to PCT/EP2000/000772 priority patent/WO2000046768A1/de
Priority to BR0007964-2A priority patent/BR0007964A/pt
Priority to MEP-2001-548A priority patent/ME01248B/me
Priority to AU28004/00A priority patent/AU2800400A/en
Priority to CNB008033463A priority patent/CN1204535C/zh
Priority to IL14457100A priority patent/IL144571A0/xx
Priority to EP00906257A priority patent/EP1149367A1/de
Priority to YUP-548/01A priority patent/RS49614B/sr
Priority to TR2001/02216T priority patent/TR200102216T2/xx
Priority to JP2000597770A priority patent/JP2002541535A/ja
Priority to MXPA01007779A priority patent/MXPA01007779A/es
Publication of DE19903822A1 publication Critical patent/DE19903822A1/de
Priority to ZA200105872A priority patent/ZA200105872B/en
Priority to HR20010568A priority patent/HRP20010568B1/xx
Priority to NO20013777A priority patent/NO20013777L/no
Publication of DE19903822C2 publication Critical patent/DE19903822C2/de
Application granted granted Critical
Anticipated expiration legal-status Critical
Expired - Fee Related legal-status Critical Current

Links

Classifications

    • 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
    • G06Q20/16—Payments settled via telecommunication 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
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3223—Realising banking transactions through M-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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3229—Use of the SIM of a M-device as secure element
    • 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
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
    • G06Q20/425—Confirmation, e.g. check or permission by the legal debtor of payment using two different networks, one for transaction and one for security confirmation
DE19903822A 1999-02-02 1999-02-02 Verfahren zur Durchführung bargeldloser Zahlungen und System zur Durchführung des Verfahrens Expired - Fee Related DE19903822C2 (de)

Priority Applications (20)

Application Number Priority Date Filing Date Title
DE19903822A DE19903822C2 (de) 1999-02-02 1999-02-02 Verfahren zur Durchführung bargeldloser Zahlungen und System zur Durchführung des Verfahrens
EP00906257A EP1149367A1 (de) 1999-02-02 2000-02-01 Verfahren zur durchführung bargeldloser zahlungen und system zur durchführung des verfahrens
HU0105475A HU227291B1 (en) 1999-02-02 2000-02-01 Method and system for cash-free payments
CA002361489A CA2361489A1 (en) 1999-02-02 2000-02-01 Method of effecting cashless payments and a system for implementing the method
RU2001124358/09A RU2242795C2 (ru) 1999-02-02 2000-02-01 Способ осуществления безналичных расчетов и система для осуществления способа
PCT/EP2000/000772 WO2000046768A1 (de) 1999-02-02 2000-02-01 Verfahren zur durchführung bargeldloser zahlungen und system zur durchführung des verfahrens
BR0007964-2A BR0007964A (pt) 1999-02-02 2000-02-01 Método para efetuar pagamentos sem dinheiro e sistema para implementar o método
MEP-2001-548A ME01248B (me) 1999-02-02 2000-02-01 Postupak bezgotovinskog plaćanja i sistem za uvođenje postupka
AU28004/00A AU2800400A (en) 1999-02-02 2000-02-01 Method for carrying out cash-free payments and system for carrying out said method
CNB008033463A CN1204535C (zh) 1999-02-02 2000-02-01 用于安全启动交易数据传输的方法和系统
CZ20012663A CZ301247B6 (cs) 1999-02-02 2000-02-01 Zpusob provádení bezhotovostních plateb a zarízení k provádení tohoto zpusobu
IL14457100A IL144571A0 (en) 1999-02-02 2000-02-01 Method for carrying out cash-free payments and system for carrying out said method
JP2000597770A JP2002541535A (ja) 1999-02-02 2000-02-01 キャッシュレス支払いを行う方法およびこの方法を実行するシステム
TR2001/02216T TR200102216T2 (tr) 1999-02-02 2000-02-01 Nakitsiz ödeme yöntemi ve bu yöntemin uygulanması için bir sistem.
YUP-548/01A RS49614B (sr) 1999-02-02 2000-02-01 Postupak bezgotovinskog plaćanja i sistem za uvođenje postupka
MXPA01007779A MXPA01007779A (es) 1999-02-02 2000-02-01 Metodo para efectuar pagos sin efectivo y un sistema para implementar el metodo.
KR1020017009780A KR20010108166A (ko) 1999-02-02 2000-02-01 무현금 지불을 실현하는 방법 및 이 방법을 실행하기 위한시스템
ZA200105872A ZA200105872B (en) 1999-02-02 2001-07-17 Method for carrying out cash-free payments and system for carrying out said method.
HR20010568A HRP20010568B1 (en) 1999-02-02 2001-07-27 Method of effecting cashless payments and a system for implementing the method
NO20013777A NO20013777L (no) 1999-02-02 2001-08-01 Fremgangsmåte for gjennomföring av ikke kontant betaling og system for gjennomföring av fremgangsmåten

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
DE19903822A DE19903822C2 (de) 1999-02-02 1999-02-02 Verfahren zur Durchführung bargeldloser Zahlungen und System zur Durchführung des Verfahrens

Publications (2)

Publication Number Publication Date
DE19903822A1 DE19903822A1 (de) 2000-08-10
DE19903822C2 true DE19903822C2 (de) 2001-09-20

Family

ID=7895963

Family Applications (1)

Application Number Title Priority Date Filing Date
DE19903822A Expired - Fee Related DE19903822C2 (de) 1999-02-02 1999-02-02 Verfahren zur Durchführung bargeldloser Zahlungen und System zur Durchführung des Verfahrens

Country Status (20)

Country Link
EP (1) EP1149367A1 (ko)
JP (1) JP2002541535A (ko)
KR (1) KR20010108166A (ko)
CN (1) CN1204535C (ko)
AU (1) AU2800400A (ko)
BR (1) BR0007964A (ko)
CA (1) CA2361489A1 (ko)
CZ (1) CZ301247B6 (ko)
DE (1) DE19903822C2 (ko)
HR (1) HRP20010568B1 (ko)
HU (1) HU227291B1 (ko)
IL (1) IL144571A0 (ko)
ME (1) ME01248B (ko)
MX (1) MXPA01007779A (ko)
NO (1) NO20013777L (ko)
RS (1) RS49614B (ko)
RU (1) RU2242795C2 (ko)
TR (1) TR200102216T2 (ko)
WO (1) WO2000046768A1 (ko)
ZA (1) ZA200105872B (ko)

Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
DE10153660A1 (de) * 2001-10-31 2003-05-15 Sandy Koch System zur Abwicklung bargeldloser Zahlungsleistungen
DE10210792A1 (de) * 2002-03-12 2003-10-16 Materna Gmbh Information & Com Premium-SMS-Bezahlverfahren
DE102004041356B4 (de) * 2004-08-25 2006-12-07 Claudia Von Heesen Verfahren und System zur sicheren Abwicklung von elektronischen Finanzdienstleistungen mithilfe einer elektronischen Finanzdienstleistungsvermittlungseinrichtung
DE102010036037A1 (de) 2010-08-31 2012-03-01 Jürgen Schaar Verfahren zur Durchführung bargeldioser Zahlungstransaktionen und Transaktionsystem zur Durchführung des Verfahrens

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US20060178986A1 (en) * 2000-02-17 2006-08-10 Giordano Joseph A System and method for processing financial transactions using multi-payment preferences
DE10009710A1 (de) * 2000-03-01 2001-09-13 Roland Eckert Verfahren zum Austausch von Zahlungsinformationen im internetfähigen bargeldlosen Zahlungsverkehr
DE10022774A1 (de) * 2000-05-10 2001-12-06 Mueller Judex Donald Mobilfunksystem
DE10039569C5 (de) * 2000-08-09 2007-04-26 Vodafone Ag Verfahren zur Bezahlung an beliebigen Verkaufs- bzw. Dienstleistungsstellen mit Mobiltelefon
DE10040799A1 (de) * 2000-08-21 2002-04-25 Siemens Ag Verfahren für sichere Transaktionen im Zusammenhang mit elektronischem Handel
DE10136080A1 (de) * 2000-11-21 2002-06-06 Wolfgang Zint Verfahren zum Durchführen einer bargeldlosen Finanztransaktion
DE10058249A1 (de) * 2000-11-23 2002-06-13 Anthros Gmbh & Co Kg Verfahren zur gesicherten elektronischen Übermittlung von Transaktionsdaten
EP1229467A1 (de) 2001-02-06 2002-08-07 Wincor Nixdorf GmbH & Co KG Bezahlsystem mit einem mobilen Gerät
WO2002071353A1 (de) * 2001-03-01 2002-09-12 Peter Ligezinski Vorrichtung und verfahren zum bargeldlosen bezahlen
JP2002259877A (ja) * 2001-03-02 2002-09-13 Mitsubishi Electric Corp 決済サーバ及び購入者端末及び店舗端末及び決済ポータルサーバ及び決済システム及び決済方法及び決済ポータルシステム及び決済プログラム及び決済プログラムを記録した計算機で読み取り可能な記録媒体及び決済依頼プログラム及び決済依頼プログラムを記録した計算機で読み取り可能な記録媒体
WO2003009243A1 (en) * 2001-07-19 2003-01-30 W3 Infocomm Group Pte Ltd Mobile electronic funds transfer system and method
DE10138814A1 (de) * 2001-08-14 2003-03-06 Orga Kartensysteme Gmbh Computersystem und Verfahren zur bargeldlosen Bezahlung
CN100433617C (zh) 2001-12-04 2008-11-12 M概念有限公司 使用移动电信设备以便于电子财务交易的系统及方法
US6726092B2 (en) 2001-12-28 2004-04-27 Interdigital Technology Corporation Portable device service payments by multiple means
US8060139B2 (en) * 2002-06-24 2011-11-15 Toshiba American Research Inc. (Tari) Authenticating multiple devices simultaneously over a wireless link using a single subscriber identity module
EP1403792A1 (en) * 2002-09-26 2004-03-31 Valentino Callegari A three terminal network for off-line digital electronic payments-network
GB2393806A (en) * 2002-10-05 2004-04-07 Simos Symeou Method for confirming authorisation of access to an account
DE10310527B4 (de) 2003-03-11 2008-11-20 Christian Hogl Verfahren zum Initiieren und/oder Durchführen einer Zahlungstransaktion
DE10331733A1 (de) * 2003-07-11 2005-01-27 Rene Lehmann Bezahlsystem
KR101048729B1 (ko) * 2004-06-30 2011-07-14 프랑스 텔레콤 다목적 전자 결제 방법 및 시스템
DE102004049009A1 (de) * 2004-10-05 2006-04-06 Deutsche Telekom Ag Verfahren und Kommunikationssystem zum Abwickeln eines Zahlungsverkehrs
JP4555120B2 (ja) * 2005-02-23 2010-09-29 株式会社大和証券グループ本社 サーバシステム、方法及びプログラム
US7831520B2 (en) 2005-06-28 2010-11-09 Ebay Inc. Mobile device communication system
US20080126251A1 (en) * 2006-09-21 2008-05-29 Tomas Karl-Axel Wassingbo System and method for utilizing a portable network device to initiate and authorize a payment transaction
DE102006054484A1 (de) * 2006-11-18 2008-05-21 Fiducia It Ag Verfahren zur Interaktion eines Bankkunden mit einem Geldautomaten, zugehörige mobile Ein- und/oder Ausgabeeinrichtung sowie System zum Durchführen einer solchen Interaktion
DE102006057871A1 (de) * 2006-12-08 2008-06-12 Deutsche Telekom Ag Verfahren zur Personalisierung einer Telekommunikation
DE102007053638A1 (de) * 2007-11-08 2009-06-04 Deutsche Telekom Ag Verfahren und Vorrichtung zum gesteuerten Transferieren eines Geldbetrages von einem Prepaidkonto eines Zahlers auf das Konto eines Zahlungsempfängers
SE532268C2 (sv) 2007-12-04 2009-11-24 Accumulate Ab Förfarande för säkra transaktioner
GB0901407D0 (en) * 2009-01-28 2009-03-11 Validsoft Uk Ltd Card false-positive prevention
NO20101728A1 (no) * 2010-03-04 2011-09-05 Mcash Norge As Mobil betaling
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RU2011125333A (ru) * 2011-06-21 2012-12-27 Евгений Яковлевич Билюкин Способ осуществления электронной оплаты товара с применением средства мобильной связи
WO2013100825A1 (ru) * 2011-12-29 2013-07-04 Bilyukin Evgeniy Yakovlevich Кассовый аппарат для системы мобильных платежей
SG10201506662XA (en) 2015-03-03 2016-10-28 Mastercard Asia Pacific Pte Ltd Method For Enabling A Communication Link Between A Mobile Terminal And A Receiving Terminal
US10387881B2 (en) 2015-10-02 2019-08-20 Chicago Mercantile Exchange Inc. Virtual payment processing system
US10380589B2 (en) 2015-10-02 2019-08-13 Chicago Mercantile Exchange Inc. Virtual payment processing system
US11625785B2 (en) 2017-06-05 2023-04-11 Chicago Mercantile Exchange Inc. Secure electronic tokens in an electronic tokening system

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WO1998052151A1 (en) * 1997-05-15 1998-11-19 Access Security Sweden Ab Electronic transaction

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Cited By (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
DE10153660A1 (de) * 2001-10-31 2003-05-15 Sandy Koch System zur Abwicklung bargeldloser Zahlungsleistungen
DE10210792A1 (de) * 2002-03-12 2003-10-16 Materna Gmbh Information & Com Premium-SMS-Bezahlverfahren
DE10210792B4 (de) * 2002-03-12 2004-09-23 Materna Gmbh Information & Communications Verfahren und System zur Freischaltung eines kostenpflichtigen Mobilfunk- oder Online-Dienstes
DE102004041356B4 (de) * 2004-08-25 2006-12-07 Claudia Von Heesen Verfahren und System zur sicheren Abwicklung von elektronischen Finanzdienstleistungen mithilfe einer elektronischen Finanzdienstleistungsvermittlungseinrichtung
DE102010036037A1 (de) 2010-08-31 2012-03-01 Jürgen Schaar Verfahren zur Durchführung bargeldioser Zahlungstransaktionen und Transaktionsystem zur Durchführung des Verfahrens

Also Published As

Publication number Publication date
IL144571A0 (en) 2002-05-23
JP2002541535A (ja) 2002-12-03
NO20013777L (no) 2001-09-27
HRP20010568B1 (en) 2011-10-31
BR0007964A (pt) 2001-11-06
DE19903822A1 (de) 2000-08-10
HRP20010568A2 (en) 2002-08-31
HUP0105475A2 (en) 2002-04-29
MXPA01007779A (es) 2003-07-14
WO2000046768A1 (de) 2000-08-10
ME01248B (me) 2007-08-03
CN1339146A (zh) 2002-03-06
YU54801A (sh) 2003-01-31
CZ301247B6 (cs) 2009-12-16
NO20013777D0 (no) 2001-08-01
EP1149367A1 (de) 2001-10-31
HU227291B1 (en) 2011-02-28
RS49614B (sr) 2007-08-03
AU2800400A (en) 2000-08-25
ZA200105872B (en) 2002-09-10
CN1204535C (zh) 2005-06-01
CA2361489A1 (en) 2000-08-10
CZ20012663A3 (cs) 2002-02-13
TR200102216T2 (tr) 2002-01-21
KR20010108166A (ko) 2001-12-07
RU2242795C2 (ru) 2004-12-20

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