EP1242955A2 - Banque virtuelle - Google Patents
Banque virtuelleInfo
- Publication number
- EP1242955A2 EP1242955A2 EP00987137A EP00987137A EP1242955A2 EP 1242955 A2 EP1242955 A2 EP 1242955A2 EP 00987137 A EP00987137 A EP 00987137A EP 00987137 A EP00987137 A EP 00987137A EP 1242955 A2 EP1242955 A2 EP 1242955A2
- Authority
- EP
- European Patent Office
- Prior art keywords
- caller
- account
- telephone number
- bank
- computer
- 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
- 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
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04M—TELEPHONIC COMMUNICATION
- H04M2207/00—Type of exchange or network, i.e. telephonic medium, in which the telephonic communication takes place
- H04M2207/18—Type of exchange or network, i.e. telephonic medium, in which the telephonic communication takes place wireless networks
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04M—TELEPHONIC COMMUNICATION
- H04M3/00—Automatic or semi-automatic exchanges
- H04M3/38—Graded-service arrangements, i.e. some subscribers prevented from establishing certain connections
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04M—TELEPHONIC COMMUNICATION
- H04M3/00—Automatic or semi-automatic exchanges
- H04M3/42—Systems providing special services or facilities to subscribers
- H04M3/42025—Calling or Called party identification service
- H04M3/42034—Calling party identification service
- H04M3/42059—Making use of the calling party identifier
Definitions
- the invention relates to a method and a device for the automatic identification of an account and / or its holder by means of a dial-in or account transaction initiated by a caller at a bank computer via a telecommunication medium.
- the object of the present invention is to enable the simplest, most secure, ergonomic, efficient initiation of account transactions as well as eCommerce or tele-commerce transactions.
- the object is solved by the subject matter of the independent claims.
- the identification of an account by a telephone number of a caller that is at least partially identical to the account number enables a very reliable assignment of an account number to a caller and / or his identification, avoiding sources of error. Manipulation with high security is also excluded.
- the telecommunication medium can in particular comprise a mobile radio network.
- the call can simultaneously trigger a message (for example from the bank) to a seller of a product, who can then, for example, send the product to the caller (physical or non-physical); in this case, data relating to the seller and / or the product is expediently transmitted with the call in order to be able to determine the seller account and / or data relating to the product.
- the billing can be done in particular via a telephone bill. It can also be automatically sent to a customer for this account (by post, email, internet; cyclically or on request). In particular, this can take place directly between the named bank and the customer without the interposition of another bank. This also avoids administrative effort and the possibility of errors.
- FIG. 1 shows a block diagram of an example of an account transaction initiated by a mobile radio device via a mobile radio network
- FIG 3 shows an overview of a virtual marketplace with an electronic bank.
- FIG. 1 shows a caller 1 who communicates with an electronic bank 5 via a mobile radio terminal (cell phone) 2, a mobile radio telecommunications network 3 and a virtual marketplace 4.
- the electronic marketplace 4 here comprises a portal which can be accessible via the Internet, mobile radio, cellular Internet (WAP), fixed telephone network, etc. Books, CDs, travel, services etc. can be ordered via the portal of the electronic marketplace 4 and account transactions can be initiated in this regard.
- the billing 6 and the bank-side processing (clearing) 7 are also carried out using the electronic bank 5.
- the electronic bank 5 can, for example, be a project of a telecommunications network operator and a conventional bank.
- Transaction data 8 relating to account transactions initiated are transferred from the marketplace 4 to the electronic bank 5 for execution via the payment application interface of the virtual marketplace 4.
- the caller 1 initiates an account transaction in the form of a transfer from his account to the account of a book seller via his mobile radio terminal 2 by ordering with his mobile radio terminal 2 via the telecommunications network 3 at the virtual marketplace 4.
- His telephone number is transmitted automatically by CLIP, which is due to a at least partially
- Agreement with his account number at the electronic bank allows a very error-prone and tamper-proof identification of the account number.
- this method is also very practical for caller 1, who does not have to remember his own account number or have to store it somewhere.
- a code number and / or TAN (transaction number) etc. can be transmitted.
- the amount of money and the purpose of the transfer are specified, which (also automatically) can trigger the initiation of further processes, such as the identification of the book to be sent by the bookseller, its dispatch, etc.
- Billing can take place, for example, via a telephone bill. Billing can also be done automatically for this electronic account
- Bank 5 can be transmitted to the customer periodically or on request without the interposition of another conventional bank.
- FIG. 2 shows, by way of example, possibilities of an electronic bank according to the invention, which, through cooperation with investment trusts, conventional or electronic banks, stock markets (stock exchanges), can also carry out transfers (for example from the caller's account, etc.) to their accounts.
- Figure 3 shows an example of a virtual marketplace with an electronic bank.
- the dial-in can be made using a wide variety of telecommunications media, such as the Internet,
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Finance (AREA)
- Engineering & Computer Science (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Marketing (AREA)
- Strategic Management (AREA)
- Technology Law (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
Applications Claiming Priority (3)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
DE19964080 | 1999-12-29 | ||
DE1999164080 DE19964080A1 (de) | 1999-12-29 | 1999-12-29 | Virtuelle Bank |
PCT/DE2000/004030 WO2001050360A2 (fr) | 1999-12-29 | 2000-11-14 | Banque virtuelle |
Publications (1)
Publication Number | Publication Date |
---|---|
EP1242955A2 true EP1242955A2 (fr) | 2002-09-25 |
Family
ID=7935198
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
EP00987137A Ceased EP1242955A2 (fr) | 1999-12-29 | 2000-11-14 | Banque virtuelle |
Country Status (4)
Country | Link |
---|---|
EP (1) | EP1242955A2 (fr) |
AU (1) | AU2349901A (fr) |
DE (1) | DE19964080A1 (fr) |
WO (1) | WO2001050360A2 (fr) |
Families Citing this family (5)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
AU2002351034A1 (en) * | 2001-11-29 | 2003-06-10 | Niel Eben Viljoen | Method and system for operating a banking service |
DE102004049009A1 (de) * | 2004-10-05 | 2006-04-06 | Deutsche Telekom Ag | Verfahren und Kommunikationssystem zum Abwickeln eines Zahlungsverkehrs |
DE102008011192A1 (de) * | 2008-02-26 | 2009-08-27 | Wincor Nixdorf International Gmbh | Verfahren und Diensterechner sowie System zur Transaktion eines Geldbetrages |
US11037114B2 (en) | 2018-03-22 | 2021-06-15 | Diebold Nixdorf, Incorporated | System and method for financial transactions |
CN109525741B (zh) * | 2018-11-15 | 2020-11-24 | 西安天钥科技有限公司 | 数据处理方法、装置和计算机可读存储介质 |
Family Cites Families (5)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
AU5271490A (en) * | 1989-03-23 | 1990-10-22 | Pacific Bell | Catalog ordering system with increased security |
WO1996034471A2 (fr) * | 1995-04-17 | 1996-10-31 | Katz Aron B | Systeme de teleachat protege contre la fraude |
PT951774E (pt) * | 1996-12-23 | 2001-04-30 | Swisscom Ag | Processo e sistema para a transmissao de ordens numa rede de telecomunicacoes |
SE512748C2 (sv) * | 1997-05-15 | 2000-05-08 | Access Security Sweden Ab | Förfarande, aktivt kort, system samt användning av aktivt kort för att genomföra en elektronisk transaktion |
US7167711B1 (en) * | 1997-12-23 | 2007-01-23 | Openwave Systems Inc. | System and method for controlling financial transactions over a wireless network |
-
1999
- 1999-12-29 DE DE1999164080 patent/DE19964080A1/de not_active Ceased
-
2000
- 2000-11-14 AU AU23499/01A patent/AU2349901A/en not_active Abandoned
- 2000-11-14 EP EP00987137A patent/EP1242955A2/fr not_active Ceased
- 2000-11-14 WO PCT/DE2000/004030 patent/WO2001050360A2/fr not_active Application Discontinuation
Non-Patent Citations (1)
Title |
---|
See references of WO0150360A3 * |
Also Published As
Publication number | Publication date |
---|---|
WO2001050360A2 (fr) | 2001-07-12 |
AU2349901A (en) | 2001-07-16 |
WO2001050360A3 (fr) | 2002-04-25 |
DE19964080A1 (de) | 2001-12-13 |
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Legal Events
Date | Code | Title | Description |
---|---|---|---|
PUAI | Public reference made under article 153(3) epc to a published international application that has entered the european phase |
Free format text: ORIGINAL CODE: 0009012 |
|
17P | Request for examination filed |
Effective date: 20020627 |
|
AK | Designated contracting states |
Kind code of ref document: A2 Designated state(s): AT BE CH CY DE DK ES FI FR GB GR IE IT LI LU MC NL PT SE TR |
|
AX | Request for extension of the european patent |
Free format text: AL;LT;LV;MK;RO;SI |
|
RIN1 | Information on inventor provided before grant (corrected) |
Inventor name: GERARD, PETER |
|
RAP1 | Party data changed (applicant data changed or rights of an application transferred) |
Owner name: VODAFONE HOLDING GMBH |
|
17Q | First examination report despatched |
Effective date: 20040308 |
|
17Q | First examination report despatched |
Effective date: 20040308 |
|
STAA | Information on the status of an ep patent application or granted ep patent |
Free format text: STATUS: THE APPLICATION HAS BEEN REFUSED |
|
18R | Application refused |
Effective date: 20071126 |