EP1116194A1 - Procede et systeme permettant de payer des marchandises et services - Google Patents

Procede et systeme permettant de payer des marchandises et services

Info

Publication number
EP1116194A1
EP1116194A1 EP99955714A EP99955714A EP1116194A1 EP 1116194 A1 EP1116194 A1 EP 1116194A1 EP 99955714 A EP99955714 A EP 99955714A EP 99955714 A EP99955714 A EP 99955714A EP 1116194 A1 EP1116194 A1 EP 1116194A1
Authority
EP
European Patent Office
Prior art keywords
payment
data
mobile radio
telecommunications
base
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
Application number
EP99955714A
Other languages
German (de)
English (en)
Inventor
Stefan Prange
Andreas Lahr
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.)
Siemens AG
Original Assignee
Siemens AG
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 claimed from DE19843439A external-priority patent/DE19843439C2/de
Application filed by Siemens AG filed Critical Siemens AG
Publication of EP1116194A1 publication Critical patent/EP1116194A1/fr
Ceased 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
    • G06Q20/08—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
    • G06Q20/04—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
    • G06Q20/20—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]
    • 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/363—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user
    • 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
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • G06Q20/3674—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes involving authentication
    • 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
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • 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
    • 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • 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

Definitions

  • the present invention relates to a method for the secure payment of goods or services by means of a mobile radio device and a base telecommunication station which communicates with the mobile radio device via electromagnetic waves.
  • the invention further relates to a system for paying for goods or services.
  • the user transmits the data necessary for the transfer.
  • the data can be transmitted, for example, by the voice of another person belonging to the financial institution. It is also possible for the user's telephone to send short messages to the telecommunications facility of the financial institution, which contain all the data required for the transfer. The financial institution can then carry out the transfer on the basis of these short messages.
  • Encryption For the secure transmission of personal information or access authorization information, the corresponding Data encrypted before transmission.
  • Encryption often referred to as encryption, means the conversion of data into an illegible form. Almost always, both encryption and decryption require some secret information, commonly known as a key.
  • DES Data Encryption Standard
  • the transformation of the original text into the ciphertext consists of a sequence of mathematical operations such as permutations, non-linear substitutions and logical product formations.
  • An individual key is used for the user.
  • Asymmetric encryption methods are in contrast to the symmetrical methods. Different keys are used for encryption and decryption, which are such that data that has been encrypted with one key can only be decrypted with the other.
  • Telephone banking methods can also be carried out using mobile radio devices, such as mobile telephones.
  • Mobile telephones according to the GSM standard comprise, on the one hand, the actual telephone with input and display devices and, on the other hand, a so-called SIM card, which has an encrypted personal identification number (Personal Identification Number, PIN) stored.
  • SIM card which has an encrypted personal identification number (Personal Identification Number, PIN) stored.
  • PIN Personal Identification Number
  • SIM Application Tool Kit GSM 11.14
  • a new technology enables access to these offers.
  • the user needs a mobile phone with an integrated SIM toolkit and a SIM card that supports the new value-added functions.
  • the customer switches on their mobile phone, enters the PIN number and selects their financial institution from the menu. If the mobile phone
  • CTS Cellular Telephony System
  • Such systems include a base station and a mobile phone for home use.
  • the base station receives the calls from the associated cell phone internally free of charge and forwards them to the landline.
  • this object is achieved by a method having the features of claim 1 or by a system having the features of claim 16, with advantageous refinements and developments arising from the subclaims.
  • the method according to the invention for paying for goods or services by means of a mobile radio device and a base telecommunication device which communicates with the mobile radio device via electromagnetic waves characterized in that the base telecommunication station sends the data required for payment to the mobile radio device, the mobile phone device Confirmation of payment with the user queries, after the confirmation by the mobile device a payment process Sends payment instruction data and the mobile phone device or the telecommunications device of a financial institution or a biller sends receipt data for the radio payment process to the base telecommunications station.
  • An advantage of the method according to the invention is that it is particularly simple since the data required for payment are automatically sent to a buyer's mobile radio device, so that the seller does not have to disclose this data to the buyer. Furthermore, the method meets the same security requirements as telephone banking methods via mobile phones. The security standards developed here can be adopted directly, which will contribute to a high level of acceptance of the method according to the invention. In addition, since the cell phone equipment or the telecommunication device of a buyer's financial institution sends receipt data for the radio payment process to the seller's base telecommunications station, the presence of a seller person is no longer absolutely necessary, which is why the method according to the invention offers considerable possibilities for reducing costs and is also suitable for automatic machines.
  • information or data can also be transmitted in the form of short messages, messages or by means of one or more data packets.
  • the communication of the mobile radio device with the base telecommunication station can also take place according to a mobile radio standard, such as the GSM standard, a cordless standard, the Bluetooth standard, an infrared standard, such as the IrDA standard, or a future one, using a CDMA method based, standard done ..
  • the mobile radio device when carrying out the payment process, can be operated directly with a telecommunications device of a cash stituts or an invoice issuer, for example, in accordance with a mobile radio standard, such as the GSM standard.
  • a mobile radio standard such as the GSM standard.
  • the mobile radio device can send the payment instruction data to the base telecommunications station, which then transmits this data to a telecommunications device of the financial institution or the biller via a landline connection or according to a mobile radio standard, such as the GSM standard.
  • the mobile radio device can communicate with the base telecommunication station by means of infrared radiation.
  • the advantage of the latter option is that it is particularly cost-effective, since only the low fees of the fixed network apply.
  • the telephone charges are generally lower than, for example, credit card commissions, so that the method according to the invention is also special in this case for both the buyer and the seller is inexpensive.
  • the data received by the base telecommunication station can be converted by the mobile radio device before transmission m into a format suitable for a radio payment process
  • the user of the mobile radio device is advantageously authenticated before the step of executing the payment process.
  • This authentication can be carried out by entering a personal identification number or via biometric features. This measure ensures that the user of the mobile radio device is actually authorized to trigger the payment process.
  • the uses with a personal identification number or the use of biometric features very high security requirements.
  • an electronic cash register can transmit the data required for payment to the base telecommunications station. This further simplifies and automates the payment process, which makes the method according to the invention even simpler and cheaper.
  • the data required for payment can, for example, the amount of money to be paid and / or the account number and / or the routing number of the recipient and / or the purpose, such as. B. include the invoice number.
  • the system according to the invention for paying for goods or services comprises a basic telecommunication station with a radio device for sending data required for payment to a mobile radio device and for receiving data from the mobile radio device, the mobile radio device being a receiving device for receiving the data transmitted by the basic telecommunication station, an interrogation device connected to the receiving device for interrogating a confirmation of the payment and a transmitting device connected to the interrogation device for sending
  • FIG. 1 shows a first exemplary embodiment of the present invention
  • FIG. 2 shows a second exemplary embodiment of the present invention and FIG. 3 schematically shows the structure of the mobile radio device.
  • the system according to the invention for paying for goods or services are explained below.
  • the system according to the invention is to be installed in the shop floor of a seller, the buyer paying for goods via a mobile radio device of the system according to the invention.
  • data and / or payment instruction data and / or receipt data required for payment are provided with a key (the key is appended to the corresponding data, for example) and / or encrypted with a key.
  • the key is used for verification and / or decryption of the data encrypted with it.
  • a base telecommunication station 1 is installed in the shop of the seller. This base telecommunication station 1 is advantageously connected to an electronic cash register 2, so that the data recorded by the cash register 2 are transmitted directly to the base telecommunication station 1.
  • the base telecommunication station 1 corresponds to the base station of a CTS (Cordless Telephony System) with data transmission possibility. It can communicate with a mobile radio device 3 via electromagnetic waves.
  • the mobile radio device is a mobile phone according to the GSM standard.
  • the mobile radio device 3 could also be another electronic device, such as an appointment planner, which is equipped with means for radio transmission of data.
  • the use of a cell phone according to the GSM standard has the advantage that no or very few modifications have to be made to the device.
  • the base telecommunications station 1 of the seller sends the data required for a payment process and a key (key) for any subsequent encryption of data to be transmitted to the mobile phone 3 of the buyer.
  • These data include, for example, the amount of the amount of money that has been transmitted by the electronic cash register 2, the telephone number of the base telecommunications station or the account number and the bank sort code of the seller.
  • This data is received by the mobile phone 3 and displayed on the display 5 of the mobile phone 3.
  • the mobile phone 3 then asks for confirmation that the amount of money displayed should be transferred from the account of the holder of the mobile phone 3 to the corresponding displayed account.
  • the user can confirm via the emmission unit 4 of the mobile telephone 3.
  • the mobile telephone 3 can query a special personal identifier number that is only required for transfers, or biometric features of the user can be recorded, as a result of which the user can be identified particularly securely and easily. If the user is authorized, the data required for the payment process or part thereof may be encrypted with the key transmitted together with this data by the base telecommunication station, and this payment instruction data from the mobile phone 3 to a telecommunications device 6 of a financial institution or a biller sent, and the corresponding amount debited or invoiced.
  • the payment instruction data can also contain all or part of the data required for payment and the number of the mobile radio device. It is also possible that the key is only transmitted together with the payment instruction data, but not to the data Encryption or encryption of other data is used.
  • the mobile telephone 3 then sends receipt data to the base telecommunications station 1 of the seller, so that the latter gains knowledge of the payment of his goods. Furthermore, the telecommunications device 6 of the financial institution or a biller could also transmit the receipt data to the base telecommunications station 1.
  • the receipt data provided or encrypted with the same key may be decrypted in the base telecommunication station 1 or an assigned unit and, after successful decryption, sent to the cash register which, after successful verification of the key, issues the receipt and registers the amount as paid.
  • the receipt data can also contain part of the data required for payment or data that describe the type of goods or that describe the price of the goods, and their receipt or processing triggers the output of the goods or the provision of the service.
  • This possible further encryption of the data by means of a key, which is transmitted from the base telecommunication station to the mobile radio device, means that the data are also transmitted during a transmission that goes beyond the mobile radio system, for example via the fixed network to the server of a bank or a biller , secure against unauthorized access.
  • FIG. 2 shows a further embodiment of the present invention.
  • the exemplary embodiment shown in FIG. 2 differs from the exemplary embodiment shown in FIG. 1 only in that when the payment process is carried out, the mobile telephone 3 does not send the encrypted payment instruction data directly to the telecommunications device of the financial institution, but instead sends this data back to the base telecommunications station 1. This transmits then the data via a landline connection C or via a mobile radio connection to the telecommunications device 6 of the financial institution or a biller.
  • the transmission method with which data is sent to the base telecommunications device 1 can differ from that with which the data in the first exemplary embodiment are sent to the financial institution.
  • the seller makes his base telecommunication station 1 available to the buyer for the transmission of a short message.
  • the payment process is designed to be particularly cost-effective since the buyer incurs no costs and the seller only has to pay the relatively low fixed network charges for a short message.
  • the receipt data for the payment process together with the payment instruction data can be sent to the base telecommunication station by the mobile radio device. Furthermore, it is also possible for the payment instruction data to be interpreted as receipt data, so that no separate receipt data have to be sent out. Furthermore, the receipt data could be transmitted from the financial institution to the base telecommunication station 1.
  • FIG. 3 shows possible configurations of the mobile radio device 3 of the exemplary embodiments explained above.
  • the mobile radio device 3 has a receiving device 7, which receives the data required for payment, which have been sent out by the base telecommunications station 1. If this data has a format with which the payment process can be carried out directly, further processing of the data is not necessary. In this case, who is not in
  • FIG. 3 shows, the data are transmitted to an interrogation device 9, which via the display 5 and the input direction 4 asks for confirmation of payment. If necessary, the authentication of the user explained above can also take place via this query device 9. If there is a confirmation of the payment and it has been established by the authentication that the user is authorized to make the requested payment, the data are transmitted to the transmission device 10, which sends out the data for the payment process. Before being sent out, the data may be encrypted using a digital signal processor.
  • the data are then sent directly to a telecommunication device 6 of a financial institution or a biller, whereas in the second exemplary embodiment shown in FIG. 2, the data are sent back to the basic telecommunication station 1.
  • the transmission device 10 sends receipt data for the payment process to the base telecommunications station 1.
  • a conversion device 8 is provided in the mobile radio device 3, which converts the received data into a format that is suitable for a payment process. As shown in FIG. 3, this conversion device can be provided between the receiving device 7 and the interrogation device 9. However, there is also the possibility of providing the conversion device 8 between the interrogation device 9 and the transmission device 10.
  • the mobile radio direction 3 can also transmit and receive separately. catch devices 7, 10 for communication with the base telecommunication device 1 and
  • the base telecommunications device 1 is the ATM of a financial institution, which is connected to the central computer of the financial institution via a landline.
  • a person makes a corresponding request to the ATM.
  • the ATM sends this data together with a key to the mobile radio device 3, which asks for confirmation of the withdrawal process from the person.
  • the authentication of the person is now advantageously carried out by means of the mobile radio device 3. If the person has been identified as authorized and has entered a confirmation for the withdrawal process m the mobile radio device, the mobile radio device sends keyed or encrypted data to the ATM, so that this is informed that the money can be paid out.
  • the ATM communicates with the central computer of a financial institution via a landline connection.
  • the base telecommunications station consists of an infrared interface according to the IrDA standard and a GSM module.
  • the infrared interface and the GSM module are connected to the control system that is usually available in a machine or a cash register.
  • the data can also be transmitted via an AT cellular interface based on an infrared interface.
  • a short message is now sent to the mobile phone via infrared rays, which in plain text contains the question of whether the customer wants to pay for the desired goods at the desired price and, if necessary, a key number.
  • the short message contains the data required for payment, optionally a key and the telephone number of a "sender".
  • this telephone number can be permanently programmed in the machine or in the cash register and then corresponds to the telephone number of the biller.
  • the customer reads the short message and, if he agrees, generates a "YES" answer. This is possible with many cell phones with just a few keystrokes or can be simplified with the SIM Application Toolkit.
  • the short message generated by the customer is then sent to the "sender" phone number, ie to the biller.
  • the service calculator of the invoice divider puts the amount on the customer's invoice, who in turn identifies himself by his phone number contained in his short message.
  • the service computer of the biller then sends a message to the machine or the cash register to issue the desired goods. This message can be sent via GSM or via any type of fixed network or any network based on electromagnetic waves.
  • the (optionally) sent key is checked in the cash register or in the machine, where it was generated, and the desired goods are dispensed.
  • the key is checked or verified by comparing the transmitted key with a key stored in the base telecommunication station or an assigned unit after the key has been generated. After a successful comparison, ie if the two keys match, the paid goods are issued or the paid service is performed. Another specific exemplary embodiment of the invention is explained below:
  • a customer stands in front of a machine and presses a button for a desired product or the customer stands at a cash register.
  • the cash register or the machine sends a message, short message or corresponding data packets to the customer's mobile phone using infrared rays (for example IrDA), in accordance with the Bluetooth standard, a cordless standard or a mobile radio standard.
  • this message contains a key which can be used on one or more of the following signal paths to encrypt the corresponding data.
  • the message also contains the biller's number. This can also be a bank, a network operator or a department store chain.
  • the message triggers a SIM Application Toolkit application on the mobile phone, which initiates a dialog with the customer.
  • the customer is asked: "Do you want to buy a coke from this machine for € 1.50?" or "Do you want to pay DM 123.45 at Hertie's food department?”
  • a message is generated - possibly after requesting a PIN - which contains the price, the type of goods, the tel. machine or cash register and, if applicable, that of the customer.
  • This data is encrypted with the key and sent to the billing center.
  • the request for a PIN e.g. B. from a certain amount, can be activated by the customer.
  • the billing center the amount is placed on the customer's invoice, and a message encrypted with the same key is sent to the machine that, after successful decryption, dispenses the desired goods or to the cash register, which issues the receipt and the amount as paid registered.
  • the billing center (the invoice splitter) is not restricted to a financial institution.
  • the receipt data for the payment process does not have to be forwarded via a mobile radio system, such as the GSM system.
  • the billing center can e.g. B. stand in a large department store that is networked with the cash registers.
  • a randomly generated number with the payment instruction can be sent back to the bill divider and from there to the machine. Since the machine has generated the key, it can check it itself.
  • encryption of the entire message known to the machine and the biller can be used to generate additional security. In this case, encryption does not have to take place in the mobile phone.
  • An embodiment variant of the invention provides that the key is generated by the cash register / the machine or the base telecommunications station as a random number, since the key is checked again at the cash register / the machine.
  • the key can also be changed in the billing center according to an algorithm known in the cash register / vending machine or the basic telecommunications station. If the algorithm is changed regularly via the connection of the cash registers to the billing center, abuse of the payment process is excluded.

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Computer Security & Cryptography (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Technology Law (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Mobile Radio Communication Systems (AREA)
  • Telephonic Communication Services (AREA)
  • Cash Registers Or Receiving Machines (AREA)
  • Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)

Abstract

L'invention concerne un procédé et un système permettant de payer des marchandises ou services. Ce système comprend un émetteur-récepteur mobile (3) et une station de télécommunication de base (1) qui communique avec l'émetteur-récepteur mobile (3) par des ondes électromagnétiques. La station de télécommunication de base (1) envoie les données nécessaires au paiement à l'émetteur-récepteur (3). Ce dernier demande à l'utilisateur une confirmation de paiement. Après confirmation, l'émetteur-récepteur (3) exécute l'opération de paiement par envoi des données d'ordre de paiement. En outre, l'émetteur-récepteur (3) ou bien un dispositif de télécommunication (6) d'un établissement bancaire envoie à la station de télécommunication de base (1) des données d'acquit de paiement relative à l'opération de paiement.-
EP99955714A 1998-09-22 1999-09-15 Procede et systeme permettant de payer des marchandises et services Ceased EP1116194A1 (fr)

Applications Claiming Priority (5)

Application Number Priority Date Filing Date Title
DE19843439 1998-09-22
DE19843439A DE19843439C2 (de) 1998-09-22 1998-09-22 Verfahren und System zum Bezahlen von Waren oder Diensten
DE19907496 1999-02-22
DE19907496 1999-02-22
PCT/DE1999/002934 WO2000017833A1 (fr) 1998-09-22 1999-09-15 Procede et systeme permettant de payer des marchandises et services

Publications (1)

Publication Number Publication Date
EP1116194A1 true EP1116194A1 (fr) 2001-07-18

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JP (1) JP2002525767A (fr)
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CN (1) CN1319219A (fr)
WO (1) WO2000017833A1 (fr)

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JP2002525767A (ja) 2002-08-13
US7231372B1 (en) 2007-06-12
WO2000017833A1 (fr) 2000-03-30
CN1319219A (zh) 2001-10-24
KR20010075291A (ko) 2001-08-09

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