EP1309954A1 - Procede et systeme permettant de transmettre une somme d'argent electronique a partir d'un systeme d'enregistrement d'avoir - Google Patents

Procede et systeme permettant de transmettre une somme d'argent electronique a partir d'un systeme d'enregistrement d'avoir

Info

Publication number
EP1309954A1
EP1309954A1 EP01971897A EP01971897A EP1309954A1 EP 1309954 A1 EP1309954 A1 EP 1309954A1 EP 01971897 A EP01971897 A EP 01971897A EP 01971897 A EP01971897 A EP 01971897A EP 1309954 A1 EP1309954 A1 EP 1309954A1
Authority
EP
European Patent Office
Prior art keywords
money
data
recipient
sender
transaction server
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Withdrawn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
EP01971897A
Other languages
German (de)
English (en)
Inventor
Jörg OPPAT
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.)
Nokia Solutions and Networks GmbH and Co KG
Original Assignee
Siemens AG
Nokia Siemens Networks GmbH and Co KG
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, Nokia Siemens Networks GmbH and Co KG filed Critical Siemens AG
Priority to EP01971897A priority Critical patent/EP1309954A1/fr
Publication of EP1309954A1 publication Critical patent/EP1309954A1/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Withdrawn legal-status Critical Current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
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking 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
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/105—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems involving programming of a portable memory device, e.g. IC cards, "electronic purses"
    • 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
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/108—Remote banking, e.g. home banking
    • 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
    • G06Q20/223—Payment schemes or models based on the use of peer-to-peer networks
    • 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]
    • 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
    • G06Q20/38—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
    • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
    • 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
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists

Definitions

  • 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.
  • 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 an insight into sensitive personal data and even the possibility of 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 (“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.
  • PJ :: s: tr P- 1 tsi H- H s H- EP d d O troi P- H P. N iQ uq rt ⁇
  • d isi H- N N H- 3 01 PJ P ⁇ PJ d ⁇ ⁇ rt PJ ⁇ ⁇ tr
  • 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 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.
  • 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.
  • Payments is a predetermined sequence of digits and characters (e.g. * 94 #). co co rO IV) P 1 P 1
  • Hi dd O P- p- P- d ⁇ P- pj: P- HP i P 1 PL rt rt ⁇ for T ⁇
  • 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
  • FIG. 4 is a schematic representation of essential steps of the proposed application in the arrangement of FIG. 1.
  • 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.
  • 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.
  • 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.
  • 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
  • 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.

Abstract

La présente invention concerne un procédé permettant de transmettre une somme d'argent électronique à partir d'un système d'enregistrement d'avoir d'un payeur sur un compte ou dans un système d'enregistrement d'avoir d'un récepteur, par l'intermédiaire d'un réseau intelligent, en temps réel, au moyen d'une signalisation de service d'utilisateurs.
EP01971897A 2000-08-18 2001-08-02 Procede et systeme permettant de transmettre une somme d'argent electronique a partir d'un systeme d'enregistrement d'avoir Withdrawn EP1309954A1 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
EP01971897A EP1309954A1 (fr) 2000-08-18 2001-08-02 Procede et systeme permettant de transmettre une somme d'argent electronique a partir d'un systeme d'enregistrement d'avoir

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
EP00117856 2000-08-18
EP00117856A EP1180751A1 (fr) 2000-08-18 2000-08-18 Procédé et dispositif pour la transmission d'une somme d'argent électronique depuis une mémoire de crédit
PCT/EP2001/009214 WO2002017256A1 (fr) 2000-08-18 2001-08-02 Procede et systeme permettant de transmettre une somme d'argent electronique a partir d'un systeme d'enregistrement d'avoir
EP01971897A EP1309954A1 (fr) 2000-08-18 2001-08-02 Procede et systeme permettant de transmettre une somme d'argent electronique a partir d'un systeme d'enregistrement d'avoir

Publications (1)

Publication Number Publication Date
EP1309954A1 true EP1309954A1 (fr) 2003-05-14

Family

ID=8169584

Family Applications (2)

Application Number Title Priority Date Filing Date
EP00117856A Withdrawn EP1180751A1 (fr) 2000-08-18 2000-08-18 Procédé et dispositif pour la transmission d'une somme d'argent électronique depuis une mémoire de crédit
EP01971897A Withdrawn EP1309954A1 (fr) 2000-08-18 2001-08-02 Procede et systeme permettant de transmettre une somme d'argent electronique a partir d'un systeme d'enregistrement d'avoir

Family Applications Before (1)

Application Number Title Priority Date Filing Date
EP00117856A Withdrawn EP1180751A1 (fr) 2000-08-18 2000-08-18 Procédé et dispositif pour la transmission d'une somme d'argent électronique depuis une mémoire de crédit

Country Status (6)

Country Link
US (1) US7356515B2 (fr)
EP (2) EP1180751A1 (fr)
JP (1) JP2004506998A (fr)
CN (1) CN1470042A (fr)
BR (1) BR0113318A (fr)
WO (1) WO2002017256A1 (fr)

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Also Published As

Publication number Publication date
BR0113318A (pt) 2003-07-15
US20030050898A1 (en) 2003-03-13
EP1180751A1 (fr) 2002-02-20
CN1470042A (zh) 2004-01-21
US7356515B2 (en) 2008-04-08
JP2004506998A (ja) 2004-03-04
WO2002017256A1 (fr) 2002-02-28

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