EP1269438A1 - Procede de paiement electronique et dispositif permettant de mettre en oeuvre ledit procede - Google Patents

Procede de paiement electronique et dispositif permettant de mettre en oeuvre ledit procede

Info

Publication number
EP1269438A1
EP1269438A1 EP01929280A EP01929280A EP1269438A1 EP 1269438 A1 EP1269438 A1 EP 1269438A1 EP 01929280 A EP01929280 A EP 01929280A EP 01929280 A EP01929280 A EP 01929280A EP 1269438 A1 EP1269438 A1 EP 1269438A1
Authority
EP
European Patent Office
Prior art keywords
credit
account
electronic
buyer
payment
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Withdrawn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
EP01929280A
Other languages
German (de)
English (en)
Inventor
Michael Horn
Hans-Hermann Wolf
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
Application filed by Siemens AG filed Critical Siemens AG
Publication of EP1269438A1 publication Critical patent/EP1269438A1/fr
Withdrawn legal-status Critical Current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
    • G06Q20/22—Payment schemes or models
    • G06Q20/26—Debit schemes, e.g. "pay now"
    • 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
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • 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
    • G06Q20/085—Payment architectures involving remote charge determination or related payment 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
    • G06Q20/12—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
    • G06Q20/28—Pre-payment schemes, e.g. "pay before"
    • 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]

Definitions

  • the invention relates to an electronic payment method for paying for goods or services via a data network, which can run essentially in real time, and a corresponding arrangement.
  • the Internet In addition to its use as a means of communication and a source of information for hundreds of millions of people, the Internet is becoming increasingly important as a source of shopping.
  • the trade in software, books and travel in particular is already taking place to a significant extent on the Internet, but increasingly a wide range of other goods and services are being ordered and paid for on the Internet.
  • the payment of the corresponding services on the Internet in the originally established and still mostly widespread way requires the separate entry of the relevant data records at least for each business partner, if not for the individual transaction. This payment method gives the business partner insight into sensitive personal data and even the possibility of their permanent storage.
  • telecommunications - especially mobile telecommunications - are today an area with rapid technical and economic development and an essential source of economic growth and new social developments.
  • the mobile phone (“Handy” ) more and more to a universal communication and information instrument and also increasingly used for access to goods and services.
  • This development is also hampered by inadequate options for secure and at the same time easy payment for information, goods and services ordered via the mobile phone.
  • the invention is therefore based on the object of specifying a method and an arrangement for the simplified handling of payment transactions using a data network.
  • the invention includes the essential idea of using a prepaid electronic credit (for which the English term "prepaid" has become common), as is already widely used today for the payment of mobile radio services. It also includes the idea that such a prepaid credit, which can be implemented on a special chip card or on another memory in a telecommunications or data network, partially in the amount of one for the payment of a product or service to transfer the required amount to an electronic target account of a provider of the goods or service.
  • the method is particularly applicable for payment processing in the so-called B2C (business-to-consumer) area - and here in particular for shopping in virtual shops and for so-called micropayments or content charging (payment of small amounts for information / pieces of music or the like) .) on the Internet, but generally also for the payment of goods in real shops or services in the field of gastronomy, culture or sport and also for the handling of goods dispensing machines.
  • B2C business-to-consumer
  • micropayments or content charging payments of small amounts for information / pieces of music or the like
  • the proposed method offers improved transparency and reliability compared to known payment processing methods. It can also be used by people who are not granted a credit line. The user only needs to have a prepaid credit, which ensures sufficient cover for the intended money transfer. Another important advantage, especially for relatively low-income users of electronic commerce (e-commerce or m-commerce), is good cost control.
  • the holder of the prepaid credit who wishes to transfer an amount of money and appears as a buyer in a (real or virtual) shop and as a guest in a catering establishment is referred to as a "buyer”.
  • the recipient of the amount of money to be transferred is hereinafter referred to as the "seller”.
  • Cash receivers and money senders can also be applications.
  • the prepaid electronic credit is managed on a special server in the data network or - in particular - on a telecommunications network that can be connected to it, regardless of its physical appearance for the user (card, terminal with permanently installed memory or the like .).
  • This server is also referred to below as a prepaid server for the visual representation of its function.
  • prepaid credit can also be handled in the fixed network.
  • the seller's target account is expediently managed on an account management server, which is implemented directly in the data network serving as the basic infrastructure - in practice the Internet.
  • the buyer's intermediate account is also managed on such an account management server, possibly on the same as the seller's target account.
  • the latter variant simplifies the connection establishment and data transmission required for the transaction. In practice, however, it will tend to be the exception due to the variety of service providers and providers on the market.
  • the account management server or servers are also referred to as eWallet servers due to their function of realizing an "electronic wallet”.
  • a special application server which according to its special function can be referred to as a payment server.
  • the connection and verification processes that are decisive for the execution of the transaction also run on the payment server. A large number of variants are conceivable for these processes, which are described in the following explanations only on the basis of examples which are advantageous from today's perspective, but are not exhaustively dealt with.
  • a central function of the payment server is to check the authentication and / or account data transmitted by the buyer upon initiation of the transaction on the basis of customer data stored in the network - specifically the home file (HLR) of a mobile radio network.
  • Another essential checking function is checking the current amount of prepaid credit with regard to the amount to be transferred to pay for the desired goods or services.
  • the payment server establishes a connection to the prepaid server in order to determine the presence and amount of a prepaid credit there. Furthermore, he establishes a connection or connections to the eWallet server or the eWallet servers, on which the intermediate and target accounts are managed, in order to carry out the data transfer which realizes the electronic rebooking process as part of these connections.
  • the payment server must maintain the telecommunication connection (originally set up from the buyer's terminal) for the purpose of entering data as part of a menu navigation - and, if necessary, set it up again to send a confirmation of execution - and optionally also establish a connection to the seller's terminal to send him an execution confirmation.
  • the software for controlling communication with the buyer's terminal device runs on the payment server, in particular as part of an optical or voice-controlled menu navigation, and - optionally - with the seller's terminal device, in particular for transaction confirmation.
  • a preferred embodiment is described in more detail below with reference to the single figure, the individual steps m of the figure being symbolized by numerals placed in circles.
  • the buyer is referred to here as the "sender” and the seller - here as the operator of a virtual shop e-shop as the "recipient”.
  • a linked telecommunications and data network is simply referred to here as a NETWORK.
  • the intermediate account of the buyer (sender) and the target account of the seller (receiver) are each referred to as the eWallet.
  • the other names correspond to the definitions given above.
  • the sender establishes a connection from his mobile terminal device to the recipient (eg e-shop), whose offer runs on an offer server and is handled via a data terminal of the seller, and liked the offered service take (buy).
  • the recipient eg e-shop
  • the offer runs on an offer server and is handled via a data terminal of the seller, and liked the offered service take (buy).
  • the sender is requested to authenticate himself to the payment server as part of a menu display that is shown on his end device display or is acoustically conveyed. By doing this, the sender's accounts are also clearly identifiable. 4. Since the sender has a prepaid account, prepaid is offered as a payment option. The sender chooses prepaid and enters the payment amount.
  • the payment server checks at the prepaid server whether the specified prepaid account exists and whether the specified one
  • the amount is transferred to the sender's eWallet account on the eWallet server.
  • the amount is then debited from the sender's e-wallet account and the amount is posted to the recipient's e-wallet account.
  • the intermediate step can be omitted via the sender's e-wallet account.
  • the intermediate step is particularly useful if an existing electronic payment method on the Internet that uses, for example, special coding methods for generating electronic coins is integrated The money transfer takes place in real time.
  • the sender receives feedback about the successful money transfer. 10. The recipient will be informed of the receipt of the money in his eWallet account.

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Security & Cryptography (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

La présente invention concerne un procédé de paiement électronique permettant le paiement via un réseau de données et de télécommunications, de biens ou de services proposés par un vendeur et commandés par un acheteur, au moyen d'un compte électronique prépayé, par l'intermédiaire du réseau, sensiblement en temps réel. Selon ledit procédé, un montant de compte prédéterminé, nécessaire au paiement du bien ou du service, est transmis à un compte électronique cible du vendeur en réponse à un signal de transmission émis par un premier dispositif terminal de l'acheteur en direction d'un compte électronique intermédiaire de l'acheteur, en particulier après une transmission intermédiaire initiée par un signal de débit.
EP01929280A 2000-03-31 2001-03-30 Procede de paiement electronique et dispositif permettant de mettre en oeuvre ledit procede Withdrawn EP1269438A1 (fr)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
DE10016246 2000-03-31
DE10016246 2000-03-31
PCT/DE2001/001219 WO2001075827A1 (fr) 2000-03-31 2001-03-30 Procede de paiement electronique et dispositif permettant de mettre en oeuvre ledit procede

Publications (1)

Publication Number Publication Date
EP1269438A1 true EP1269438A1 (fr) 2003-01-02

Family

ID=7637254

Family Applications (1)

Application Number Title Priority Date Filing Date
EP01929280A Withdrawn EP1269438A1 (fr) 2000-03-31 2001-03-30 Procede de paiement electronique et dispositif permettant de mettre en oeuvre ledit procede

Country Status (5)

Country Link
US (1) US20020165831A1 (fr)
EP (1) EP1269438A1 (fr)
JP (1) JP2003532177A (fr)
BR (1) BR0109644A (fr)
WO (1) WO2001075827A1 (fr)

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* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
DE10156177A1 (de) * 2001-11-15 2003-06-05 Siemens Ag Verfahren und Anordnung zur Durchführung einer bargeldlosen Zahlungstransaktion
US20040127256A1 (en) * 2002-07-30 2004-07-01 Scott Goldthwaite Mobile device equipped with a contactless smart card reader/writer
US20040230489A1 (en) * 2002-07-26 2004-11-18 Scott Goldthwaite System and method for mobile payment and fulfillment of digital goods
EG23422A (en) * 2002-11-24 2005-07-10 Ashraf Kamal Salem Mashhour Scheme for spreading and easy use of electronic services and remote payments.
AU2003298928A1 (en) * 2002-12-06 2004-06-30 Scott Goldhwaite System and method for mobile payment and fulfilment digital goods
WO2005048082A2 (fr) * 2003-11-12 2005-05-26 Exsentrik Enterprises Inc. Systeme et procede pour transaction commerciale electronique
US20060064391A1 (en) * 2004-09-20 2006-03-23 Andrew Petrov System and method for a secure transaction module
US20110071949A1 (en) * 2004-09-20 2011-03-24 Andrew Petrov Secure pin entry device for mobile phones
US8352323B2 (en) * 2007-11-30 2013-01-08 Blaze Mobile, Inc. Conducting an online payment transaction using an NFC enabled mobile communication device
GB2456184A (en) * 2008-01-07 2009-07-08 Cvon Innovations Ltd System for selecting an information provider or service provider
US9665864B2 (en) 2010-05-21 2017-05-30 Intel Corporation Method and device for conducting trusted remote payment transactions
US8995630B1 (en) 2010-08-01 2015-03-31 Tulsa Holdings, Llc Telephony and applications communication in a non-mobile telephone system
US8996402B2 (en) 2010-08-02 2015-03-31 Apple Inc. Forecasting and booking of inventory atoms in content delivery systems
US8990103B2 (en) 2010-08-02 2015-03-24 Apple Inc. Booking and management of inventory atoms in content delivery systems
US20130080333A1 (en) * 2011-09-27 2013-03-28 Oleksandr Kamotskyy Electronic wallet using allocation of funds
KR20140003840A (ko) * 2012-06-29 2014-01-10 주식회사 케이티 금융 거래 방법 및 그 시스템

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Also Published As

Publication number Publication date
US20020165831A1 (en) 2002-11-07
JP2003532177A (ja) 2003-10-28
BR0109644A (pt) 2003-04-22
WO2001075827A1 (fr) 2001-10-11

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