EP1309954A1

EP1309954A1 - Method and arrangement for the transmission of an electronic sum of money from a credit reserve

Info

Publication number: EP1309954A1
Application number: EP01971897A
Authority: EP
Inventors: Jörg OPPAT; Hans-Hermann Wolf
Original assignee: Siemens AG; Nokia Siemens Networks GmbH and Co KG
Current assignee: Nokia Solutions and Networks GmbH and Co KG
Priority date: 2000-08-18
Filing date: 2001-08-02
Publication date: 2003-05-14
Also published as: BR0113318A; US7356515B2; US20030050898A1; EP1180751A1; JP2004506998A; WO2002017256A1; CN1470042A

Abstract

The invention relates to a method for the transmission of an electronic sum of money from a credit reserve of a money transmitter to an account or a credit reserve of a money receiver, by means of an intelligent network in real time, using a user-service signalling.

Description

description

Method and / arrangement for the transfer of an electronic amount of money from a credit memory

The invention relates to a method and an arrangement for transferring an electronic amount of money from a credit memory to an account or into another credit memory via an intelligent network, in particular a mobile radio network.

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 an insight into sensitive personal data and even the possibility of permanent storage.

In the meantime, the Internet has also gained considerable importance for the processing of other payment transactions in both business and private areas. Almost all banks in the industrialized countries offer "electronic banking" for the electronic processing of account management and payment transactions.

Nevertheless, the majority of payment transactions in everyday life are still carried out today in cash or by means of written transfer or direct debit orders or the like. or with a credit or check card. In specific areas, such as the mobile technology, including electronic Good ^¬ who have (so-called. "Prepaid cards") gained importance, a mush ^¬ th launch of this tender but are significant obstacles in the way.

All in all, it should be noted that, at the current state of development, there is a highly confusing multitude of options for paying for goods or services, the handling of which requires considerable attention in everyday life and the use of a wide variety of media and input modes. This is annoying and is also associated with a variety of security risks (loss of data or credit carriers, forgetting of account data or authentication codes etc.).

In addition to the Internet, 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. For the majority of people in industrialized countries, the mobile phone ("cell phone" ) 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.

There are solutions that enable the user of a cell phone - with or without a prepaid card - to authorize payments, which are then processed in a conventional manner by direct debit or credit card debit. However, these methods, like the payment processes that have now become natural on the Internet, require the buyer's creditworthiness and the right to dispose of a credit card or a checking account with a credit facility. CO co to>F-> F- ¹ π o cn O Cπ O cn

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Facility appears as a guest, commonly referred to as a "money transmitter". The recipient of the amount of money to be transferred, who in everyday life will mostly be the owner or operator of a business or a gastronomic or cultural institution or the like, is hereinafter generally referred to as the "recipient of money". Cash receivers and money senders can also be applications.

The core of the proposed arrangement and the proposed method is a transaction server which accesses a transaction database in which the data relevant for the transfer of prepaid credit is stored. The transmission process is initiated by user-to-service signaling (USS = user-to-service signaling).

The amount of money to be transferred is entered on the part of the money sender or recipient on the respective end device or a device connected to it, in particular a cash register. This can also take place in the second phase of a process in which the transmission service is first addressed via USS and then the money sender or recipient is prompted to enter the amount of money via an announcement or menu navigation. Upon this request, he then makes the relevant entry.

However, it is preferred to enter a coherent USSD (Unstructured Supplementary Service Data) string on the respective end device, which in addition to a USSD code for prepaid

Payments a specified prepaid phone number of the respective transmission partner - d. H. if entered by the money sender, the number of the recipient of the money and vice versa - and (usefully separated by an asterisk) the amount of money to be transferred. The USSD code for prepaid

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Cπ o Cπ O Cπ o Cn

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H Φ d L 13 03 H d tr d tr d H ds: P- HOP ¹ φ Hl Φ Hl uq Φ d uq P Hl Hl H, uq o PL φ Hl <! d PL tr rt H.: rt P

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PL d Ö rt H, Φ Φ d Z rt 3 d rt φ dn uq P ¹ H, P Φ ^> H

PL P- P- P- PL tr & d tr tr P- H. 13 rt P- dd _^^ Φ φ 1 Ω cn ddd P

P- φ Ω φ P- P o P- Φ P ro Φ H o "_" Φ co d tr Φ 03 rt uq

Φ tr d φ tr H Φ od P- φ P dd - ^ PL φ tr P * d PL O Φ cn rt 03 Φ PL uq PL Hl fr o tr 3 P ¹ 03 Hi: N PL dd li co tr φ rt hd dd φ φ P 3 tr Φ φ 1 d: P> tr tr ¹ z Φ tr H li P-

Φ P- tr H> P d H, M Φ H d tr co H d P φ O: d Φ Ω 03!

P- PL Φ Φ Φ P. d d d rt Φ φ Hi Hi fi 01 rt tr tr P- O

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P P P- P. cn φ d tr Φ ii P- d P- li d tr uq Φ d Φ Φ H, d Φ

1 rt P ¹ tr 1 Φ 03 • d, - Φ 01 dd 3 tr P dp H, co d P- d uq P ¹

H φ o P ¹ rt P- rt l_l. P- rt uq Φ N ddd 3 tr rt • dd 03 PL d P * « _* H tr PL P d H φ rt P- Φ 3 03 s: d uq uq Hl P tr φ uq 03 03 d uq o co P 03 Φ d rt. p. 03 PH, Φ Cd d Ω Φ

PL d 3 <J 13 φ rt 3 d H, Cd Φ tr! EP • rt P- tr tr d d φ 13 d Φ Φ P Φ Φ tr P- tr PL & Φ Φ rt H, φ φ H PL

> uq EP H P- PL d tr P Ω H d φ φ rt P- Φ P- H, Φ co o P- P- Φ d s; d Φ H d tr Z. P- d. Φ 3 3 Hl P. P- Φ li rt H,

Hl 03 Φ P uq H 01 Φ p: 01 03 P P- tr Hi tr «rt tr rt P- P ^J 1 o P- H Φ tr σ PL rt ö N Φ cn tr Φ φ Φ P ^J Φ P d P d rt s Ω Φ P- or P- P- tr Φ d P "Φ HH co co Φ tr

Ω rt Φ tr dd ti rt φ φ Φ H CO tr P- ¹ φ ^ Ω rt P- Z uq tr rt _{^ ~} . rt s: Φ co rt P Φ α dd O tr P- d Φ φ d PP Φ PP «PH 1 hd φ H> OR ¹ d Φ 03 d PL Z g co H, Hi d P- P ¹ tr d 03 3 o Φ H 3 Φ PL 3 3 " _* fr Φ φ 3 rt H uq d 01 N 13 co rt tsi φ P- Φ Φ o 13 rt H rt tr Φ P co PL s: PN φ P- rt φ P 13 o tr H, d PL Hl _^^ P- P- φ Φ d uq

<Φ 03 • d P- P- φ Φ 3 uq P PL φ Pi φ p: ro o PL z d rt rt o d o uq Φ d d H P- φ H P. P H, d - - d Φ φ H P-

H • P ^J tr Pi ≥ ^* P- P. ü P- CO uq 03 d H, CO p: d Z uq Ω Φ o ^ PP Φ φ Hi 1 o Φ co <i φ tr rt Ω uq p-

P ^ tr rt φ o Ω d _^ rt Hi o P PL φ Φ H, er cn tr Φ φ li d: φ H, r-> d tr N tr d φ CO d ii • tr O: Φ H- s: d P- PL uq H 03 P- tr rt co <1 P oo H Φ P. o P Ω ω d

Φ o o rt φ Φ d 13 tr H, Ω ö Ω X PL rt d φ

Φ PL tr tr rt Φ H. H d Hi 13 P- <l P. tr H- tr Φ CO ¹ P- H

P P- Φ Φ PL d ω rt d P- er d φ Φ P- Φ d Φ <! s: Ω ω Φ pr d tr φ Ω Φ PL φ d Φ H H φ o d d O tr tr rt 03 P 03 tr P- P- uq P- 3 PL Φ uq PL H, H rt Φ

Φ Φ dz P- z P- P ¹ fy d 1 φ ^ Cd Φ Φ rt rt <i

P ¹ dd Φ 0 φ Φ rt ti φ 3 tr P Φ d ^ tr H Φ P o rt H φ φ ti PL Z & Φ H d 1 Φ P Φ P- d P. rt Φ 1 P- ti Φ P φ 1 tr Φ ddd P- 03 1 φ CO d 1 dd 1 1 fr 3 1 1 d - - 1 1 I

co co t \) t I - ¹ P ¹

Cπ o cπ o Cπ o cn

d ^ d ^ co d: H Φ tr Cd uq rt 3 P 13 Ά P. P ¹ P- rt c <Cd P tr ≤ P 01 d ö Φ Cd φ P- P- Ω tr 0 PH P- Φ Φ Φ Φ HO P- Φ φ d Φ Ω o P d P μ- d Φ φ P μ- o li uq uq tr HH, P- Hl Φ N Φ li tr H P- o Φ d p- d tr H 03 01 tr H Ω H co d> rdd H P- rt PL o rt P P- Φ H oi d rt 03 <! Φ rt H Φ PL tr rt uq uq d

Φ H H φ uq Φ 1 H Φ tr Ω N Φ <5 <! rt P- ö Φ Φ Φ φ <! φ 3

H φ P- φ P- tϋ PL li μ> tr S P- <! P- d O φ d φ P- 0 μ- o μ- uq o 03 Φ co P ¹ d er d P ¹ d Φ d tr Φ 3 o 13 pr HH d Φ Φ H Ω <! O o 3 Φ H Φ d rt • d Φ Pi H dd P d H P- o P fr uq Hi d ~> uq tr φ φ d H d uq rt rt

Φ Φ d P d P- uq H co rt φ dd P Φ p: CO PL φ Φ HHP £ Φ NP d P- <uq ddp P- n φ Ω o Φ P ^J rt ω dd P ^J rt PL 03 ti Hi hd d tr co rt rt do 03 dg Ω tr <! tr P- - ¹ H tr Hl "_" »rt d P Ω PL d: 3 Φ 03 Φ Ω P-

> d φ PL § tr rt O t? Φ P ^J O Φ co P- Φ μ- EP tr φ uq d p. 13 H tr Z od 03 p- PL Φ "« • ddd Φ tr PP ¹ N Φ H uq p- Ω φ rt 03 P μ ^j φ do rt d Φ ti H s; - ^ 3 P d P ^J P P - d φ 03 tr PL P ö d NOH tr P li Φ

Hl P P- φ dz • co p: s: Φ Hi co Φ tr d Hi P rt rt P uq Φ »Φ d Φ Φ uq PL dd: H φ 03 φ od P d Φ Cd rt uq P ¹ HO d 03 φ Ω H φ d T φ φ tr fr co Ω d uq H P- φ Φ d P- H Sl ddd Ps PL d NP dd

P φ tr d δ P Φ Φ d d o P co d d Ω 3 Φ uq d P Φ d P 3 d φ • P- d <! d φ rt g φ H d d 03 P- d Ω d uq tr P P- H d d co d d d d d d Φ <! φ p: H uq Φ rt Ω tr PL rt rt co. - Hi o uq EP d d rt O uq H N o H EP d 3 O rt N tr P. d P- φ 03 Hl> φ rt PL Φ φ tr

03 Φ φ HP P- Φ PL uq N o Φ φ d O 13 = φ 03 uq μ- P ¹ tsi d H Φ

Hl P- P- N d uq d tr Φ P- tr P- Hi 03 p- 03 uq d Hi Φ H μ- rt Φ d Φ tr CSI Hi CO od uq d 03 rd HH tr P tr d: 03 d φ Φ d: N d Φ £ φ PL P d rsi P o

H Hi φ uq 13 φ H φ rt H H H Φ Φ 0 d d H P- PL Φ 3 p: P- li <l P tr d

3 P d rt H P- H σ • *> Φ d d Φ P- 3 tr Hi uq φ tr H PL

Ω • • Φ: rt P. Φ P- H £ • d rt P Φ α μ * Φ Φ H:! - • PH ¹ φ Φ

PL tr d Ω φ p- φ ^ d Hi P- d tr rt P- hd HP ¹ H μ- PL dd H

Φ rt tr d Φ hd d C-: uq d σ tr P Ω Φ Cd H tr φ Ω Φ p: d Φ

H Φ Φ H 03 H H φ PL P Φ tr Φ • <J φ Φ H μ- PL tr d 01 uq tr

03 d d P. o Φ rt P- φ 3 P Φ H Cd O N V μ- o μ- Φ 03 03 P- P

Φ 03 φ 13 13 P. PL o H p- tr d P- φ d P P d rt Φ d: d μ- P φ ti • *. Hl 03 H Φ P Φ Φ P- rt l_J. rt 03 03 d N tr μ- uq φ tr uq tr rt CO

Hi dd = O P- p- P- d Φ P- pj: P- HP i P ¹ PL rt rt <Φ for T Φ

P- d tr £ Cd Ω PL ouozq tr P- Ω tr rt li tr φ dr • H Φ φ p- rt O d fr H P- p> tr 1 rt 0 Φ φ H co tr P Φ y-> H " do NH P- μ- Ω o

PL rt d φ Hl Φ d Φ 03 d P- rt rt rt uq PP Φ uq dd uq φ d rt P uq d P- d P- HP d uq P- Φ d Hl rt PL φ p- φ d O uq PL dd H uq PL tr «φ uq PL d Φ uq o φ O Φ co dt ^ dd 03 d uq d co Φ PL d rt φ Φ P- H P- rt Φ ddd μ- 3 φ H dd P co co tr P d uq Φ d M 03 p: -— _^ Φ Φ H rt <l uq d tr Φ PL uq Cd d uq 1 Φ dd 13 Hi o ω N s: O φ φ O PL Φ o PL 03 Ω d

Φ Cd P- d uq φ Hl P rt PL φ <≥; rt P- d cn H P Φ ti P P- μ- tr rt

3 P ¹ 03 P P- O φ p: d φ φ co Φ d φ 13 tr d φ P rt 03 φ rt Φ: o 13 Ω φ d PL li d uq HH rt Z 53 ü Φ P d H rt HN

EP Ω P- tr p, Φ Φ 03 uq tr <! CO N Φ P P pj: d d s: 0 O P Hi Φ PI

Φ φ Hl uq HP, Ω φ r φ P φ Ω Φ H d Ω uq PL Φ φ tr ^* μ- P μ- O d 03 ¹ o φ tr H φ Hi d H tr Ω Φ tr Φ 03 H Φ 3 d tr rt uq

Ω co H "tr φ 1 P- P- P- Ω Hi d Φ tr d φ co d Φ N Φ 01 li <! 1 tr uq Φ P- Cd φ co dd tr P P- φ d 13 Φ dd = P d σ Φ Φ tö t? PP Φ ddd PL P- φ α tr PL P- P- - - - φ rt tr tr Φ d H φ

O dd N PL Φ d Hi li dd fr d ö _^ N Φ Φ H "uq ω Hi Ω

H rt tr PL 03 P- uq d PL <! P- d'- Φ d φ P P- p- P ^J P- H rt φ o <! PO

PL tr P Φ P- uq φ Φ φ Ω H d uq d <l φ co Pi φ Ω rt Φ s; d Φ tr H d P- dd Ω Φ H li Hi H tr O d p- do P- fr tr H ω p: PL HH P- d P <PL tr d pj: d: 1 Φ d tr p- rt • H co d N rt Φ P tr φ tr φ 01 d α Cd rt Φ 03 H rt rt PL P- Pi d uq 0 p. H Φ d ^• »uq PL φ P- hd Φ p: Ω 03 φ l 3 li SP P rt Φ

1 o d l φ φ o d d rt Φ 03 φ PL r-> tr o d tr Φ ü H d d rt 1 Φ

P- P Φ P- 1 rt d uq Φ P ^J d 1 P- uq 1 μ- 1 1 Φ 1 Φ 1 1 1

FIG. 2 shows a greatly simplified functional block diagram of a second embodiment,

Figure 3 is a highly simplified functional block diagram of a third embodiment and

Figure 4 is a schematic representation of essential steps of the proposed application in the arrangement of FIG. 1.

The figures are essentially self-explanatory due to their labeling, so that no detailed description of the figures is given below.

It is pointed out that in FIG. 1 it is assumed that the prepaid shopping application runs on the same server on which prepaid accounts of the cash recipient and sender are also kept. In contrast, FIG. 2 shows the case where prepaid accounts of the money sender and recipient are managed on a different server (by the same operator B1) than the one on which the prepaid shopping application is running. 3 shows the case in which the prepaid shopping application and the prepaid accounts handled by it are managed on different servers of different operators B1, B2. In Figures 1 to 3 the case is shown that the transaction server is called by the terminal of the recipient of the money, which is controlled by a cash register device. If the figures are modified by replacing the connection between the switch of the money receiver and the server with a connection between the switch of the money transmitter and the server, they show the case of a call to the transaction server by the money transmitter.

The money transfer process is initiated by sending a USSD string of the type specified above by the terminal of the money recipient or money sender, the part of the data string specifying the amount of money being transmitted by the cash device connected to the terminal is supplied. If the price has not been entered in connection with the signaling process, the prepaid shopping application creates an announcement asking the caller to enter the price. Then the ANRU ^¬ fer is then a price.

The prepaid shopping application activated by the USSD string on the transaction server now transfers the data required for the money transfer (in particular the numbers of the money recipient and sender and the amount of money) to a prepaid application on a corresponding server. This can be the transaction server itself (FIG. 1) or at least one server from the same operator (FIG. 2) or at least one server from another operator (FIG. 3). The applications can also run distributed in blocks on different servers.

After the transmission of the data with which the money transfer process is started, there is first a checking process with regard to whether the data carrier is valid and the amount on the prepaid account of the money sender is sufficient for the intended transfer process. If both are the case, the sender is asked to authorize the debiting of the amount of money to be transferred by entering his PIN.

As part of the checking process, the prepaid shopping application accesses the shopping database and reads the money recipient data record and the money sender data record with the information contained therein, on which server or servers (and with which operator or which operators) are the accounts of the money recipient and sender. The money sender's server is identified and, if it is a different server than the one on which the prepaid shopping application is running, it becomes one O co t NJ P ¹ P ¹

Cπ o Cn O Cπ o Cπ

P. Cd Ω d Φ t o P 03 P co rt rt hd Cd o P Ω rt ü PL <P 03 Z PL Hi Φ PL PL Cd

P 01 tr Φ H d rt d P- 3 tr O P- H co tr r ^ ¹ tr Φ p- Φ & P- Φ Φ φ Φ d: P- ¹ Φ & φ Ω

03 d d co Φ Hl Ω O O Φ Φ rt d H ro H co Φ Ω d P- H H ro li d tr

Hi d rt l_l- P- o tr PL 13 P. Ω 13 Hi ti P- d t-> Ω P. 03 fr 03 PL rt w O uq Φ Φ P- H, Φ 13 Φ tr P o P. O uq Φ Φ hd tr rt rt Φ CO 1 * 1 PL rt P- hd N o & PL rt PL L d P- 03 P- r- ¹ φ d co uq p- P) • "H P- P P- H. Z ro ü φ d uq p- Pi p- Φ Φ P dd PL uq 03 <rt d ≥! P- 03 uq Φ o p- φ P- rt rt dd rt 3 ZH co N uq 0 d 1 rt P o Φ uq Φ Z d P "d ü hd 13 rt

O Hl Hi φ d P 1 Φ α «ffi d fi d Φ PL EP P- P P <l μ- P ü P <!

O d * _ H d «> o P. P- uq uq d Φ Hi tr -> o 01 φ P- Φ

PL P- H O d P a uq o p: O PL Φ d P- d PL P hd φ H. d P. uq s: H Ω Φ 13 PL H,

Φ Φ 3 PL PL H Φ d tr 13 03 P rt Φ Z P- d H er Ω PL φ P P- uq tr p- P 1 tr

03 P- φ H d P rt φ Φ Hi O φ φ uq ≥i Φ tr Φ tr d li φ Φ d P- co P-

> φ ii P. Φ d O li P- d O e P- co d Φ H H PL cn ro PL tr d

0 d H Φ rt P- H ¹ α 03 φ φ! Φ PL ü o P. φ 1 o PL φ Hi rt 13 li ≤ d PL P Pi P φ uq φ tr ω p. P- Φ Φ Hi P Ω P PL tr d> ω 13 d

H ¹ tr • ro μ- d P- d P rt H rt od p- d H hd d O d tr o P- Φ rt d tr 13 d

P. d li 0 ü P. φ Hl uq P- co Ω uq co uq uq Hl Φ φ d tr Hl o p- uq φ Ω Φ PL Φ o P- 0 tr d rt φ ≥i 0 uq d Cd Φ P Hi 13 d

3 tr o P. PL φ dd P d ro d P Φ H ¹ P- Φ rt P. d a- tr O 13 uq N

13 d S P. d = P- o P- PL P μ ^> d H ¹ φ Ω ≤ μ * φ α er 0 Φ H p- 1 d

Hl d co Φ tr φ H. d Φ Hi Cd α uq p- tr μ- PL PL j: 3 H uq Φ Φ d PL dp uq 3 Φ rt φ d K Ω 03 d: φ rt ro H co P- 03 Φ H ro uq φ d O 13 H P- PL tr ro PL tr Φ d PL φ φ hd rt ti rt PL PH 1 z P- uq PL • Hl er 3 P uq 0 d Φ rt d Φ φ P rt • d ti p: H, d = dde ^* φ d φ Φ pj: PL tr φ Hl Φ d 3 N PL o H er • 3 PL φ Φ P. rt P tr Hi dd φ

H 03 p: d φ d H Φ Φ 3 uq t p- Φ H, 13 Φ uq Φ uq z

Ω hd Φ PL PL uq P- HN P- Φ H 03 rt ü s: PH d HL φ B d ^* H

03 • uq d

N Φ tr H 3 tr P rt 03 d rt er 03 rt p>: P- φ d rt Φ N ddd £ ^■ : H, d Φ PL Φ 03 φ •. rt p. rt PL P tr P. N ω uq P 3 d PL uq tr tr & d H Φ rt μ- d: Φ O 03 Φ dd 1 d P ti d ^ Hi

Φ d: Φ d: tr uq P d H 0 Ω Cd σ tr Ω 03 P- H rt «0 3 uq hd d P

P- he H, tr d p- P d tr Φ μ- Φ rt tr P- φ P- Φ o d = φ p- d p, hd uq d PL

Φ φ Ω φ PL CO uq rt Φ Hi φ H. Φ φ p- Φ d tr μ ^> rt d Φ ti Hi μ-

H PL H, tr H 1 φ tr d P- 03 rt ti uq 3 H> rt Φ PL uq 13 d: P uq (D φ rt P- d Hl CO ü HP d φ H dp: d O Ü φ Φ P Hi d Φ 03

3 H Φ PL d o r <φ tr co PL H. P P d> 0 «rt rt ^ P- P P- d Pi tr φ

PP uq o φ PL Φ φ Φ uq d uq rt Φ PO P. H, 13 dd PL d P 3 φ uq co 03 uq 13 li P d P rt Φ PL d = P- CO Hi Φ P Hl Φ 01 1 uq PL d

03 Φ d rt 13 N <od uq P. 03 P- 03 uq p: 3 H w Φ rt Hi d CO «o P- P- 03 φ co P PL z rt -> 03 Φ ω φ d φ od = 3 • Hi

03 P. Hl P H d d 3 Φ O H P- uq Φ P- μ- Φ P- 0 d uq Φ P- d tr Φ

P- Φ p: co uq d uq d P Hi Ω P d φ uq Z d PL Φ φ P- φ d Ω rt ro co 3

O d tr CO P rt 1 E rt O Ξ tr d PL P- P. Φ ii H φ ii rt tr o H φ PL tr P Φ d φ H P- uq 0 Φ H φ 01 d α co 03 rt 3 H ro

0 P d uq ü & PL Z rt φ PL Φ H s; P Hi d 03 0 13 • Q. p- <J d d Φ d CO Z p- φ P P- H d μ- 1 0 uq Φ φ d ti Φ rt φ

3 H uq ^• Φ φ φ P. PL CO 03 PL 3 HP σ Φ d F- ¹ d Φ Pt 03 rt P. co

P. co μ- Φ ti PL μ- P- rt er PL φ P 13 P α Ω o ro ro

Φ tr PL rt d H P Φ d φ hd Φ φ H rt PL φ Φ & \ tr rt 0 PL li

P- Φ φ Φ Φ d er d HN rt P- φ φ HH φ o Φ Φ rt φ <! d rt μ 3 t- ⁱ dd tr • Cd hd Φ Φ H d μ- d 3 o rt PL d PL _^ o ro

H, o uq d Ω p> 13 P- P Φ er o 13 Cd φ PL P- PL H, hd P jjj O uq ^* * Ω Cd tr φ P rt uq φ tr P Hl p- p. PP Φ φ Cn O 0

H uq PL 1 Φ uq t φ rt 13 P-> r Φ d PI P rt p: d Φ uq d 01 Φ er φ μ-

Φ Φ er φ tϋ uq φ d Hi N P Hi CO rt P 1 tsi d uq co 0 d P

13 o P H Φ P- 1 d P- Φ P- 1 P- 01 P uq P φ uq φ M d PL PL d

P 1 o 3 uq d μ- P. «1 <13 d tr φ tr ti φ μ * P- μ- Φ P CO Hi

H- P Φ o φ 03 PL rt I o O H oi P- H φ l 1 α d o Pi 03 φ Φ

PL d P- H * 1 Φ d 3 Φ 1 d 05 1 1 tr 03 dd 1 Pn 1 PL rt 1 1 1 rt 1 1

Account, a real-time account or a normal bank checking account. This process is not time-critical, but must be carried out with the greatest reliability. Here, too, a distinction must be made between the variants mentioned above for debiting - depending on whether the account is managed on an external server or not. A log record is also created for the booking process.

The implementation of the invention is not limited to the examples, variants and aspects mentioned, but is also possible within the scope of the claims in a large number of modifications which are within the scope of professional action. In particular, the method steps described above are also possible in a different order.

Special advantages of the procedure described as an exemplary embodiment using a USSD string are that the money sender can remain anonymous and no long numbers have to be exchanged between the money sender, the money recipient and the transaction server, but only a single data string has to be output. This is essentially done automatically by the cash recipient's cash register system. This shortens the duration of the transaction process and reduces the error rate when entering data. The cash recipient or sender only has to call the transaction server once and enter the amount of money for each transaction and gains time for other activities. Entries via USSD can also be made on any terminal device currently in use.

Claims

co co ro to P ¹ F- ¹

Cπ o cπ o cn O Cn o r-> 03 1 PL uq Hi 1 rt ö ö Φ 1 ro 0 PL φ 1 0 d rt ö ι-3 tr ^ ro 1 3 P- er 01 uq P ¹ hd

PL d P ro ro ro P- Φ P- μ- 3 P- Φ φ μ- ro Φ μ- PHN o μ- P- d NO Φ _* P

Φ d rt> d H, for Cd d φ ro 13> d P "03 d CO μ- ¹ H. O rt P zgd co rt rt Ξ d 03 rt

H uq N P. d p: P μ- ω d d Hl d ro PL Φ 13 PL d Φ d. g ro 13 Φ PL <! Φ φ ro o H rt rt d rt 03 co pj: Hl μ 03 0 Φ Φ O 03 d 03 d φ P μ- Φ P φ d

3 o 03 3 μ * H P- uq H rt rt d er φ d Jö P- 3 d 1 er P 0 d tö P- Φ μ H- P d H rt φ 13 13 φ P PL o P μ- er uq P 0 d rt d Ω 13 er Cd P ^ d P- d Ω d μ- d φ 03 Hi P tr rt α Hi co d ro d er d co ro φ dd PL tr Hi tr Hi 03 P 03 rt rt fr Hi tr uq P d

H, μ- d p: φ co 01 Φ uq 13 rt H rt Φ P d Φ pj: rt P- P- tr P d Φ co φ Φ φ Φ tr 01

Φ o i d d P PL 03 ro H 03 Φ tr li tr d H d H Φ 01 O P rt d H Ω d μ- P- P- H 13

H d Ω uq pr 0 φ PL N ro μ- P 03 Φ gd uq P- dd tr μ- gd tr rt ddd φ P φ P tr ro P rt ro 03 Φ P- H- od tr d 3 d φ 13 er CO Φ ogd H, Φ Φ Φ d c- d HH d P- co Hi er PL Φ Φ p 03 Φ uq H rt PZ 1 dd ro uq H- 03 d 3 Ω

P 1 O 0 P LJ. P- ro φ H d g 13 H p- 01 0 Cd 03 co rt o N tr φ ro Φ ö d ro Φ N N ii H,! Hl Φ φ tr O μ- er P 13 d φ rt! Z! 0 P 0 d φ

H d P PL 03 3 Z d P- 03 <Φ P P- Φ p- φ d 03 Φ rt φ ro ro μ- Φ Φ d P d Hi rt Hl rt φ 1 H φ ro 0 φ H EP Ω μ- d P- P- Φ P- rt P- dd rt rt d rt ro o P3 ro H co Hi P- d: H. d Φ H, Ξ rt tr d φ φ uq d Ω N d φ N tr o ^ et

HHH d ro pj: P ¹ tr ro d er P Φ φ 03 ro H- φ 3 er tr ro co P tr P tr d PL P co ι-3 ü d P- Φ d rt PL P- H 03 P- do P- P Φ d 03 tr Φ tr Φ ro ro d PH <! uq uq Hi PL ro CO d rt P- 03 0 d Φ 13 d 03 H d 0 H- Φ N ro li d H 03 rt P ro ro φ rt ro ü Φ PL dd Cd φ ro 01 φ P P- 03 P - Cd φ dd P d rt

P ¹ PN d HH d ii dddddd 3 μ- φ 03 d μ ^j 03 co tr 03 H g P- r ^ ro 03 "• 03 P ≥; PL d uq PL d PL PL 0 Ω ω PL ro PL P. er 13 13 P

Ω rt 03 P hd uq ≥! d φ uq co φ P uq 03 α Φ tr rt d φ μ- uq φ Φ Φ rt ro uq s; tr P- X o P Φ d rt ii 1 H Φ Φ P- μ ^j Φ φ d 03 d ro 3 ω μ- Φ P- d ro ro od rt PL ii d rt N 03 N σ Φ H d ro PL H d ro H, 13 o Ω CO Ω dd H dd P- φ rt PL N d ZP ι-3 p- p: PL dd: rt 03 0 d pj: Hi d tr tr uq

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- Checking the coverage of the amount of money in the money sender's credit memory and reservation of the amount of money in the event of coverage or termination with signaling in the event of a shortage,

- debiting the amount of money from the money sender credit memory and documentation thereof,

- posting the amount of money to the money recipient's account or the money recipient's credit memory and documentation thereof,

- Transmission of information about the debit and / or the charge to the terminal of the money recipient and / or money sender.

2. The method of claim 1, d a d u r c h g e k e n n z e i c h n e t that the amount of money to be transmitted is encoded in the signaling data string.

3. The method according to claim 1 or 2, characterized in that the signaling data string is a USSD data string of a mobile radio network, in particular according to the GSM or UMTS standard, and is transmitted on the basis of a MAP protocol with access to a home file to the transaction server ,

4. The method according to any one of the preceding claims, d a d u r c h g e k e n n z e i c h n e t that in a signaling data string sent by the money transmitter, the phone number of the money receiver stored in the transaction database and in a signaling data string originating from the money receiver, the phone number of the money transmitter stored in the transaction database is coded.

5. The method according to any one of the preceding claims, characterized in that the authentication data set in the money transmitter data set an authentication code or biometric data of the money transmitter and before the debiting step, authorization steps are carried out, namely the steps:

Input of the authentication code or the biometric data by the money sender on his terminal,

- Transmission of the same to the transaction server and

- Comparison of the transmitted data with the data in the money sender data set and output of a debit release signal if there is a match or a debit lock signal if they do not match.

6. The method as claimed in claim 5, so that the steps for authorization are carried out when the amount of money exceeds a predetermined threshold value, which is more particularly adjustable by the service operator or the money sender.

7. The method according to claim 5 or 6, d a d u r c h g e k e n n z e i c h n t that the entry of the authentication code or the biometric data in the context of the primarily established connection between the terminal of the money recipient or money sender and the transaction server.

8. The method according to claim 5 or 6, characterized in that the input of the authentication code or the biometric data in the context of a secondary connection between the transaction server and the terminal of the money sender, in particular on the basis of a request transmitted by the transaction server becomes.

9. The method according to claim 8, characterized in that the request from the transaction server is issued as a voice message or text message, in particular in SMS format, or as a WAP push page.

10. The method according to any one of the preceding claims, characterized by the execution by establishing a data connection to at least one external server on which the money sender credit memory and / or the money receiver account or the money receiver credit memory are managed, the account identifier of the money recipient data record and / or the account identifier of the money sender data record comprises a server address or telephone number and the transaction server uses this or these after the step of reading out the money recipient data record and the money sender data record for execution of the following steps connects.

11. The method according to any one of the preceding claims, characterized in that the subscription of the money recipient at the service provider with a plurality of accounts and / or phone numbers, in particular the number of accounts is smaller than that of the phone numbers, and wherein all corresponding account Identifiers and the phone numbers are saved in the money recipient data record.

12. Arrangement for transferring an electronic amount of money from a credit memory of a money sender, which in particular has a prepaid credit, to an account or into a credit memory of a money recipient via an intelligent network in real time, in particular for carrying out the method according to one of the preceding claims , which has:

at least one account management server with a money transmitter credit memory and a money receiver account or credit memory,

- A terminal of the money recipient and / or connected to the telecommunications and data network

a terminal of the money transmitter connected to the telecommunications and data network, co co ro ro F- ¹ cn o Cπ o cπ O cn

rather and / or the cash receiver credit memory are implemented on the transaction server.

15. Arrangement according to one of claims 12 to 14, that the transaction server has means for documenting a debiting process and a booking process, in particular as a log record.

16. Arrangement according to one of claims 12 to 15, so that the transaction server is assigned telecommunications means for signaling a transaction abort or a debit and / or a debit to the terminal of the money transmitter.

17. Arrangement according to one of claims 12 to 16, so that a cash register device is connected to the terminal of the cash recipient, via which a section of the signaling data string specifying the amount of money to be transmitted is generated automatically.

18. Arrangement according to claim 17, so that the cash register device has means for entering an authentication code or biometric data by the money transmitter.