EP1285411A1 - Verfahren zum laden eines vorausbezahlten kontos - Google Patents

Verfahren zum laden eines vorausbezahlten kontos

Info

Publication number
EP1285411A1
EP1285411A1 EP01931814A EP01931814A EP1285411A1 EP 1285411 A1 EP1285411 A1 EP 1285411A1 EP 01931814 A EP01931814 A EP 01931814A EP 01931814 A EP01931814 A EP 01931814A EP 1285411 A1 EP1285411 A1 EP 1285411A1
Authority
EP
European Patent Office
Prior art keywords
prepaid account
card
sim card
supplying
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.)
Ceased
Application number
EP01931814A
Other languages
English (en)
French (fr)
Inventor
Philippe Dumay
Brigitte Vermelle
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.)
Thales DIS France SA
Original Assignee
Gemplus Card International SA
Gemplus SA
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 Gemplus Card International SA, Gemplus SA filed Critical Gemplus Card International SA
Publication of EP1285411A1 publication Critical patent/EP1285411A1/de
Ceased legal-status Critical Current

Links

Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F17/00—Coin-freed apparatus for hiring articles; Coin-freed facilities or services
    • G07F17/0014—Coin-freed apparatus for hiring articles; Coin-freed facilities or services for vending, access and use of specific services not covered anywhere else in G07F17/00
    • 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
    • G06Q20/342—Cards defining paid or billed services or quantities
    • 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
    • G07F7/02—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices
    • G07F7/025—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices by means, e.g. cards, providing billing information at the time of purchase, e.g. identification of seller or purchaser, quantity of goods delivered or to be delivered
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
    • H04M15/68—Payment of value-added services
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H04M17/10—Account details or usage
    • H04M17/106—Account details or usage using commercial credit or debit cards
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H04M17/20—Prepayment of wireline communication systems, wireless communication systems or telephone systems with provision for recharging the prepaid account or card, or for credit establishment
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H04M17/20—Prepayment of wireline communication systems, wireless communication systems or telephone systems with provision for recharging the prepaid account or card, or for credit establishment
    • H04M17/201—Prepayment of wireline communication systems, wireless communication systems or telephone systems with provision for recharging the prepaid account or card, or for credit establishment automatic recharging with predetermined amount at threshold
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
    • H04W4/24—Accounting or billing
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H04M2017/14—Prepayment of wireline communication systems, wireless communication systems or telephone systems using commercial credit/debit cards, e.g. VISA, AMEX
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/01—Details of billing arrangements
    • H04M2215/0196—Payment of value-added services, mainly when their charges are added on the telephone bill, e.g. payment of non-telecom services, e-commerce, on-line banking
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/20—Technology dependant metering
    • H04M2215/2026—Wireless network, e.g. GSM, PCS, TACS
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/32—Involving wireless systems

Definitions

  • the present invention relates to electronic commerce using prepaid accounts, in particular by means of a cellular radiotelephone infrastructure.
  • Prepaid accounts are, for example, commonly used to offer radiotelephony services without a subscription.
  • the user can easily control the amount of his communications but must fund his account when his credit is exhausted.
  • Different methods can be used to fund the account, the most common being the distribution of scratch cards on which codes are written, covered by a removable opaque surface.
  • the user purchases the card, removes the removable surface so as to reveal the code, which he communicates to the operator.
  • the operator checks the validity of the code, and credits the prepaid account with the amount associated with it.
  • This system is particularly suitable for cellular radiotelephony of the GSM type, since the account is associated with the number of a SIM chip card (for Subscriber Identity Module in English). On the other hand, it is ill-suited to mobile electronic commerce, since the user remains anonymous, non-repudiation of transactions is not guaranteed.
  • the simple transmission of data identifying a payment card does not provide sufficient security, the data being able to correspond to a fictitious payment card or used fraudulently.
  • a cellular radiotelephone network of GSM type it is planned to provide the subscriber with application services based on the execution of application programs within the SIM smart card. These services are implemented by a standardized technology commonly known as the SIM Application Toolkit.
  • a special feature called pro-activity allows the SIM card, in the course of a program, to address requests to the outside world: the terminal, the subscriber and the network.
  • the object of the invention is to propose a method for supplying a prepaid account, using the existing radiotelephony infrastructures, which is particularly suitable for mobile electronic commerce.
  • a method of supplying a prepaid account by means of a telecommunications network is characterized in that it comprises the following steps:
  • the prepaid account can be provisioned without risk of repudiation and while limiting the risk of fraud, while remaining easy to use for the user.
  • the step of executing the program of the method of the invention may be preceded by the sending, by the management service of the prepaid account to the SIM card, of a request for supplying the prepaid account
  • Data recording may be carried out by a trusted person using a specially adapted terminal, in the presence of the owner of the payment card.
  • the method according to the invention may comprise a step during which a personal code, associated with the card or with one of the payment cards, is registered in the SIM card; the user having to provide the personal code associated with the payment card he wants to use, if said code has been saved in the SIM card, during the execution of the program saved in the SIM card.
  • the transmissions between the SIM card and the prepaid account management service can be done by means of SMS messages; and the confidentiality and / or integrity of the transmissions between the SIM card and the prepaid account management service can be ensured through the use of a private key stored in the SIM card memory.
  • a payment card typically its number, its expiration date and the name of its holder
  • the user physically goes to a trusted person to prove that he is the legitimate owner of a payment card.
  • This trusted person may for example be an employee of a radiotelephone operator or that of a bank having an agreement with a radiotelephone operator.
  • the trusted person By means of a specially adapted terminal, the trusted person then records the data of the payment card in the memory of the SIM card of the mobile phone. Data entry can be done manually or, to avoid typing or reading errors, automatically by means of a payment card reader.
  • the holder of the payment card can then define a personal code, which is saved in the SIM card and which will be used to validate any transaction for the provision of their prepaid account associated with the SIM card.
  • the terminal executes a particular computer program implementing cryptographic methods in order to generate a code which is saved in the SIM card. This administrative code will be necessary for any subsequent modification of the data contained in the file. For example to redefine a personal code if it has been forgotten by the holder of the payment card.
  • SIM card subscribed to the public switched telephone network
  • an administrative code and, possibly, a personal code.
  • personal code can be registered in the SIM card, each with an administrative code and, possibly, a personal code.
  • the holder of the payment card must go to a trusted person equipped with the specially adapted terminal.
  • the user of the radiotelephone terminal containing the SIM card is not necessarily the same person as the holder of the payment card. In this way parents can easily fund prepaid accounts for their children, which can then be used by them to make phone calls or make purchases.
  • the customer accesses by means of his radiotelephone terminal a specific menu of the SIM card.
  • the access of which can optionally be protected by a security code the customer defines the amount he wants to transfer. If necessary, he chooses a payment card whose the data has been saved in the SIM card, and he enters the personal code associated with this card.
  • the application contained in the SIM card formats the transaction data in order to send it to the prepaid account management service, typically by means of SMS messages (for Short Message Service in English).
  • the management service processes the transaction request using conventional means verifying the validity of the payment card and requesting authorization for the amount of the supply, and returns the transaction report to the SIM card (confirmation or failure), also by means of SMS messages.
  • SMS messages can be made confidential by using a private key which must in this case be recorded in the SIM card during its personalization.
  • the integrity of SMS messages can be guaranteed by calculating MAC certificates (for Messages Authentication Codes in English), also using a private key.
  • the account management service which sends a supply request to the SIM card, typically by means of SMS messages. Once the message has been received by the SIM card, provisioning takes place in the same way as in the first implementation mode.
  • the account management service is authenticated either by means of a signature using a private key, or by virtue of the original address contained in the SMS.
  • the use of the prepaid account is not limited to mobile telephony.
  • the merchant service authenticates with the prepaid account management service which will send a request according to the second mode of implementation.
  • SMS messages are not essential for the implementation of the invention: any other available channel making it possible to transmit the information can be used instead.
EP01931814A 2000-05-16 2001-05-07 Verfahren zum laden eines vorausbezahlten kontos Ceased EP1285411A1 (de)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
FR0006340 2000-05-16
FR0006340A FR2809260B1 (fr) 2000-05-16 2000-05-16 Procede d'approvisionnement d'un compte prepaye
PCT/FR2001/001386 WO2001088861A1 (fr) 2000-05-16 2001-05-07 Procede d'approvisionnement d'un compte prepaye

Publications (1)

Publication Number Publication Date
EP1285411A1 true EP1285411A1 (de) 2003-02-26

Family

ID=8850355

Family Applications (1)

Application Number Title Priority Date Filing Date
EP01931814A Ceased EP1285411A1 (de) 2000-05-16 2001-05-07 Verfahren zum laden eines vorausbezahlten kontos

Country Status (6)

Country Link
US (1) US20030166396A1 (de)
EP (1) EP1285411A1 (de)
CN (1) CN1429380A (de)
AU (1) AU2001258507A1 (de)
FR (1) FR2809260B1 (de)
WO (1) WO2001088861A1 (de)

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DE10305621B4 (de) * 2003-02-11 2004-12-16 Holger Leusch Verfahren und Vorrichtung zur Nutzung von Pre-Paid- oder Calling Card Dienstleistungen für Mobiltelefone
DE10307660A1 (de) * 2003-02-21 2004-09-09 Walter Rosenbusch Verfahren und Einrichtung zur Abgabe von für den Betrieb von Mobilfunktelefonen benötigten gebührenpflichtigen Codes oder dergleichen
FI20030948A0 (fi) 2003-06-26 2003-06-26 Nokia Corp Menetelmä ja laitejärjestely ennakkomaksuliittymän toteuttamiseksi ja menetelmää hyödyntävä ennakkomaksupääte ja solukkoverkon päätelaite
US20050250537A1 (en) * 2004-05-07 2005-11-10 Narea Jaime M Wireless pay telephone system using multiple subscriber identification module (SIM) cards
US20060155641A1 (en) * 2004-12-21 2006-07-13 Richard Postrel Prepaid card with multiple depositors
US8352376B2 (en) * 2005-10-11 2013-01-08 Amazon Technologies, Inc. System and method for authorization of transactions
US8447700B2 (en) * 2005-10-11 2013-05-21 Amazon Technologies, Inc. Transaction authorization service
US8239326B1 (en) 2007-09-19 2012-08-07 Amazon Technologies, Inc. Method and apparatus for authorizing transactions using transaction phrases in a transaction authorization service
EP2040413B1 (de) * 2007-09-21 2013-06-19 Nokia Siemens Networks Oy Abonnements- und Gebührenanzeigenkontrolle
US8204827B1 (en) 2008-03-27 2012-06-19 Amazon Technologies, Inc. System and method for personalized commands
US8244592B2 (en) * 2008-03-27 2012-08-14 Amazon Technologies, Inc. System and method for message-based purchasing
US8620826B2 (en) * 2008-03-27 2013-12-31 Amazon Technologies, Inc. System and method for receiving requests for tasks from unregistered devices
US9894216B2 (en) 2013-08-07 2018-02-13 Miltech Platform, Inc. Methods and systems for telecommunication messaging and real-time replenishment systems
WO2015021336A1 (en) * 2013-08-07 2015-02-12 Lu Dat The Methods and systems for top-up
CN103716778A (zh) * 2013-09-25 2014-04-09 北京握奇数据系统有限公司 移动终端客户端和智能卡结合实现远程业务的方法及系统
WO2015133975A1 (en) 2014-03-04 2015-09-11 Metamorfoz Bi̇li̇şi̇m Teknoloji̇leri̇ Sanayi̇ Ve Ti̇caret Anoni̇m Şi̇rketi̇ A method for prepaid mobile phone top-up and a system performing thereof
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CN106447338A (zh) * 2015-08-12 2017-02-22 戴见霖 无纸支付系统及其方法

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Also Published As

Publication number Publication date
WO2001088861A1 (fr) 2001-11-22
FR2809260A1 (fr) 2001-11-23
US20030166396A1 (en) 2003-09-04
CN1429380A (zh) 2003-07-09
AU2001258507A1 (en) 2001-11-26
FR2809260B1 (fr) 2003-07-18

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