EP1309956A1

EP1309956A1 - Method and arrangement for the transmission of an electronic sum of money from a credit reserve

Info

Publication number: EP1309956A1
Application number: EP01974131A
Authority: EP
Inventors: Michael Horn; 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: 2001-08-07
Publication date: 2003-05-14
Also published as: CN1468420A; WO2002017254A1; BR0113287A; US20020156746A1; JP2004523021A; US7139694B2; EP1180750A1

Abstract

The invention relates to a method for the transmission of an electronic sum of money from a credit reserve to an account or a credit reserve of a money receiver, by means of a telecommunication and data network in real time, whereby the necessary connections are established using a transaction server.

Description

description

Method and arrangement for transferring 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 to another credit memory via a telecommunications and data 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 insight into sensitive personal data and even the possibility of their permanent storage.

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

Nonetheless, the majority of payment transactions in daily life are still carried out today in cash or by issuing transfer or collection orders or the like, or by credit or check card. In special areas, For example, that of mobile radio technology, electronic ^assets (so-called "prepaid cards") have become important, but there are considerable obstacles to the widespread introduction of this means of payment.

All in all, it should be noted that at the current state of development there is a highly confusing variety 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 a large part of the people in the industrialized countries, 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.

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 procedures, like the payment processes that have now become established 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. In addition, these procedures are subject to time shifts who adversely affect the transparency and reliability of the overall process.

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.

This object is achieved in terms of its method aspect by a method with the features of claim 1 and in terms of its device aspect by an arrangement with the features of claim 8.

The invention includes the essential idea of specifying a largely universal payment method based on an electronic credit (prepaid account or card), which is used for payment processing in the so-called B2C (business 2 consumer) area as well as in the C2C ( Consumer-2-Consumer) area is applicable, that is, it enables both shopping in real and virtual shops, payment in gastronomic or cultural institutions, etc., as well as the "sending" of money in the private area. It also includes the idea of using the possibilities of a linked telecommunications and data network, in particular the possibility of real-time processing.

An electronic credit is understood here to mean a memory content of a credit memory which can be handled via a telecommunications or data network for carrying out payment transactions - in principle regardless of whether the memory actually has prepaid credit or a credit amount is only transferred at a later point in time. In the following description and claims, the prepaid credit holder wishing to transfer an amount of money and appearing as a buyer in a (real or virtual) shop and as a guest in a catering establishment is generally referred to as Called "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 that is based on a

Accesses transaction database in which the data relevant for the transfer of prepaid credit is stored. The transmission process is initiated by a call by the money sender or the recipient of the money to the transaction server, namely under a service number or a special number of a service (eg 09XX), further connections are established by the transaction server itself ,

The amount of money to be transferred is entered on the part of the money sender or recipient on his respective terminal or a cash register connected to it or other input device. This can also be done in the second phase of a process in which the server number is first entered and dialed and the money sender or recipient is prompted to enter the amount of money via an announcement or menu. Upon this request, he then makes the relevant entry.

If a special number is used to establish a connection to the transaction server, the special number is recognized via a so-called originating trigger in the caller's switch (money recipient or money sender). B. a service control center (SCP) of an intelligent network - controlled and the requested prepaid shopping application activated. ύ ω I) f h- ¹

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^ iQ P cn P- tr et cn <! <! 1 P o O P Φ P. cn d Ω h-- cn Φ d Φ tr

Φ φ cn o rt Φ Φ d Ti p- P Ω σ Ω rt d φ iQ φ rt

Ω Φ P. tr tr rt Φ P P d Hi Ti P- <! P. tr P- tr Φ cn P "P- P Φ d

O P P- φ Φ d CO rt d P- tr d φ Φ P- Φ d Φ <Ω tr d

P ω φ? d tr Φ ">» Ω z

Φ P. Φ d Φ P P Φ CO d d O φ tr tr Φ d rt cn P φ CO tr P- P- sQ P- 3 P. Φ iQ P. P P rt Φ d P) P-

CO _* φ Φ dz P- Z P- H "tu φ φ rt rt <j 3 dd φ cn φ φ rt Φ 3 tr P φ d ^ tr P Φ P oo P ^,

P ¹ rt P φ Φ P sd 1 Φ? z & φ P d 1 φ d Φ P- d PMO rt Φ 1 p- P ¹ P Φ P φ 1 tr Φ ddd P- O 1 φ PP

Φ cn d 1 d P 1 1 B 1 1 P 1 rt d 1 1 1

OJ ω> ro ->

Cn o Cn o Cn O Cn d ^ id ^ ^ co d = <d 3 oi rt 3 P, * Ö w P- rt co <! ö P tr s: P cn d α φ P- φ P- P- o tr od Φ P- P ¹ Φ φ φ P o P- Φ Φ d Φ Ω OP d P P- d Φ φ P

P tQ P sQ sQ tr PPP tr φ Φ P tr P P- CO φ P P- d tr P cn cn tr P Ω P cn d P d P P- rt P d P- Φ P cn d et CO <Φ rt P Φ P, tr rt iQ

N P φ P P Φ iQ Φ P. Φ cn Ω N φ <! <rt P- ö Φ <Φ d Φ Φ <z P φ P- Φ P- P- P rt tr g P- <P- d o Φ d φ P- Ω P- O p- <i ^ Q O

Φ t cn P ¹ d tr PP ¹ φ Φ J_J tr Φ 3 O Ti PP d φ φ P- P Ω ö o Pl Φ P

P- rt • d Φ Φ P d P P- o P fr iQ Hl d P "iQ P ¹ Φ Φ d P d sQ rt φ Φ Φ d P CΛ T) P- P cn <rt Φ dd P Φ p: co Φ Φ PPP d: φ

Φ P- d P- iQ dd Ti P ω φ Ω o Φ r cn dd rt P, cn P Hl TJ d tr cn dddo cn d Φ Φ rt tr P ¹ P- P tr Hi rt d P Ω e- ≥; Φ cn φ Ω d Φ P- P- O d φ P ¹ o φ cn P- Φ P- E ¹ Φ sd P Ti P tr

> CO e CO P- Ω P d & d Φ tr PP ^J N φ PH iQ P- Ω Φ rt cn PH

P et Ui rt d φ tsi tr p- ^ Q z - - 3 P d P P- d Φ o tr P α d N O P tr P

Ui P Hi P P- Φ d 3 Φ P- Φ φ Pi co Φ tr P Pi P rt rt P sQ Φ ^• »φ d Φ Φ iQ

Hi P d = P Φ cn φ P 1 d P φ a rt iQ P O d cn Φ Ω P φ d r Φ

P- ^ tr P ^ cn α Ω d ^ α p- φ Φ d P- P Sl d d d for P. d N P d

P φ tr ^■ d for d P <! dd Ui P CO dd Ω 3 Φ sQ d P Φ d P 3 d Φ

P <d <d Φ et 3 iQ P Φ d cn p- d Ω d iQ tr P P- P dd cn ddddd Φ d Φ <! φ p: et P tQ φ rt Ω tr P- rt rt co. -. Pi CΛ iQ EP dd rt d P LQ PN o P EP Φ Φ co rt N tr P- d p- φ ω Hi * <φ rt P- Φ Φ Q Φ cn Φ Φ PP P- P- d Ω uQ N o φ φ d O Ti d Φ cn iQ p- P ¹ N d P cn P- Pi P- P- N d iQ d P- P- tr P- Hi cn P- o iQ d Hi φ P P- rt Φ d Φ tr ESI Hi

Hl d O d iQ d cn fr Φ o P- tr P tr P- co d φ Φ er N d Φ z φ α P d N P

O Hl P Hi Φ iQ Ti φ P P. φ rt P P P φ φ cn d d P p- P. Φ 3 p: P- P <1 P tr

PP S3 P d rt P P- φ P. • Φ dd φ P- 3 tr Hi Φ P ¹ P

3 Ω Ω • • Φ d rt Φ P Φ P g • d rt P Φ α Φ Φ P = P Φ tr P. tr d Ω Φ P- d ^ Pi P- d p- rt p- P ^J π PP ¹ P P- P- ddd rt φ et tr dd 1 φ d: p: iQ d σ tr PP ^J Ω φ ω P tr φ Ω φ p: dd Φ P Φ Φ NMPPP φ P Φ tr φ • Φ Φ P P- tr d cn iQ tr

Ui CO ed P. P- d P- Φ 3 P Φ P ω o N T3 P- cn P- φ cn Cn P- φ Ui Φ ιQ P. cn P P- tr d P- Φ d PP d rt Φ: d P- P Φ

^ P ^ Hi co P Φ iQ & P- P- rt l_l- rt cn c> d N tr P- iQ Φ tr sΩ tr rt d Hi dd = od φ tr Φ Φ P- p: P- PPH rt rt < l φ i ^ r K z Φ d P- d p- ZWP P- vQ tr P- Ω tr rt P tr Φ d fr. o P Φ Φ P- rt t ^ d for P P- P CΛ p: Φ cd Φ Φ P co Pf P φ P ¹ d ONP P- P- Ω et rt d φ Pi Φ rt rt Φ cn d P- rt et rt i P d Φ iQ dd sQ φ d rt fr P

P- d P- d P- P Φ Φ N sQ P- Φ d Hl rt Φ P- P ¹

O d o iQ P, d <! P P tr! ! Φ P- i P. d Φ iQ O Φ O Φ Ui d «d d ω d iQ d cn φ φ Φ tr P- P p- rt φ d d d P- 3 Φ P d d

CO cn cn tr P d PP cn P ¹ cn p: -. φ Φ P rt iQ d <! P ¹ <1 Φ P. iQ H

1 "3 1 φ d 1 Hi P- d Hi o co N s: o Φ φ O & Φ o P. cn Ω td φ ω P- d sQ * J o P d P rt φ <≥i rt P- d ω PP φ PP P- P- <1 tr

P ^< 3 P ¹ cn P e P α iQ d Φ Φ co Φ d φ Ti tr d φ P rt cn Φ rt

O p: o Ti Ω Φ Hi P- s P P rt Z Sl P φ P d P rt P N

Ω EP Ω p- tr P d Φ d <i σ <cn N φ P. P p: d d s: Q cn P Hi Φ

P ^ Φ fr φ Hi iQ d P P- o W φ P φ Ω Φ P d P Ω iQ α Φ Φ tr tr ¹ P- P P- ω d ω P ^J o φ g P ^J Ω d Φ Hi d P tr P P. Ω φ tr Φ cn φ 3 d P ¹ rt

Ω Ω cn P "tr 3 P- tr P- P- Ω Hi d φ tr d Φ cn d φ N Φ cn P <! Tr tr iQ Φ Φ Ω rt Sl dd P ¹ PP ¹ Φ dd Ό Φ dd = P d tr φ φ

P P P Φ d P tr P Φ p- P- P- P- ^ - 'φ rt tr tr φ d P

P ^J o ¹ dd • "« _* P- PP ¹ Hi P dd fr d ö _* N Φ Φ vQ cn Hl rt P et tr P. cn p: φ <1 P- d φ d φ P P- P- - * P- P rt Φ O <P tr P. tr P Φ P- cn dd Φ Ω P d iQ d <Φ cn Hi Φ Ω rt Φ s: d φ ¹

P- d P- dd Ω o sQ P tr co d H- d O P- ^• ^ tr P Cn p: P ^, PP

P ^J d p. p- d Φ o 1 Φ d tr P- rt • P CO d N et Φ P tr Φ tr Φ α d ω P- PP, P- Φ ω P rt rt P- P d sΩ cn PP Φ d iQ Φ P - Φ φ p: Ω co rt Φ? d 1 Φ Φ O dd rt- φ cn

Φ »Φ Φ 1 3 P P P- t o d tr φ P P d d rt 1 Φ

P- P- P d 1 rt d Φ P ^J d 1 P- iQ 1 P- 1 1 1 Φ P 1 1 1

! Λ rt OP Pi cn P- 3 φ ö tr cn d N Φ cn s: d Ti P Hl P- cn P ^J s: MP co Ü d ^ i

P P d d P Φ Φ p- Φ P- & Φ Φ Φ d d 3 rt P d P- & p: P Φ p: P- CO Φ φ P- Φ P-

Pf rt d cn p. P φ P d PP P- P ¹ P- d Ti Φ P ^J rt ds: CO d P d P d H φ P iQ

3 d ^ Q 1 φ d Pj cn iQ d 3 iQ Pi P ^J rt Φ sQ Φ * Q -Ω p. Pl s: tr tr d φ P CΛ P Pi tr φ N Φ Pi cn co P- p: Φ P 1 d P. Φ Φ cn rt _" « «P- Φ co ^ P- P d N Φ φ O Φ P d Φ Pl φ φ P. d rt rt cn Ϊ £ J P. φ P Ui φ _^ P cn rt P- P d PPP ¹ rt d Φ P ^J P d 3 Φ sQ "« _* Ω pd 3 CO et d PP Ω Φ ^ Q P- ω φ φ 0 sQ P P. p: P- Φ P. PCP Φ Z p- Z d 1_J. Φ PPPP ¹ P d rt

P- CO cn φ <Φ P d Ω rt cn e- d φ CΛ P P. Φ P- Φ sQ φ P φ d EP PP ^ ¹ P rt Φ d rt PP iQ P tr Φ tr cn P Φ <CO PP φ ddd P Hi P Φ φ Φ P-

Φ Cd P cn P P Ω cn rt cn Φ P cn P Φ EP P. P- P. P- Pi rt co P. P P- p: d d d

P d P P- 3 P- tr et • φ PP <! PP φ dp: iQ P- P tr P rt φ P d P "et et d Φ tr d P. d P- dd Φ φ sΩ Φ φ dd Φ cn> co φ iQ Φ P- d H Φ K P. P P- d P P- i Φ • Ω iQ Hi d P- Φ 3 Hi dd P- e rt d Φ dd rt d P. P- p- P- φ PO d Φ P tr rt d P Pi πj LQ P- d co P rt- P • iQ Φ P- φ d φ Φ _§ sQ d P. PP) Φ d • φ EP d: PP p- * _* p. Pi P cn p: φ iQ P Φ P Ti e cn α ddzd Pl ddd Φ 3 tr d Φ P- IQ e- P

Ti rt ^ ⁱ Q Φ d πd tr Hl P 1 Φ P d Hi P p. ^ P π3 P Ω T5 d φ cn P tr

P Φ d = Φ P- P P P Φ p: sQ CΛ 3 Ω sΩ Φ P P- CΛ P- ≤ P P rt tr P iQ sQ O d P <

Φ CO P tr P p: φ CΛ Φ P- d Ui Φ Pf d d φ Φ p. sQ P d Φ P- Φ Φ Pi d φ

Ω Φ P- et P ¹ rt Ti iQ <P CΛ N cn d P d • P- Ti Z> - P- Z tr P- <Q d P tr o P. d φ Φ P s: φ o <Φ φ s: s: P <P rt φ P Φ P 1 P- Φ PP iQ φ

Φ • P- Φ P. <P P- P- PP Φ P p- P- P- ^ ^ φ Ω ω Φ P H- P φ ω φ d EP d co P- d φ P- Φ P d P cn s P <d cn P et P- P tr rt φ P. Ti tr cn d Pi d p. p: d d co d 1 p. P Φ Φ Ω p. P- sΩ d N d 1 Φ P o φ z d P. o Pi

• M 3 φ et. -. Pö tr d P- P tr * • O P p. Φ ≤ W d P- TS d p- P P P

P P- Φ * d P- φ iQ d <Φ d P <! P- P- Φ CΛ o • Ti P Ω P- 3 Ω d tr d PP Φ d - ^ Hi 3 P- P Φ d 3 cn Φ Φ φ sQ P Φ d 1 P- P- tr tr tr cn Φ iQ O P- H d Ξ Ω NPO 1 d P cn et α P rt H «d P. Hi P rt Q d PPP P. S! P d α P- P ¹ Φ tr PP CΛ cn φ Φ <l Φ do sΩ P o Φ φ

Φ d tr et φ cn p: tr 3 & φ P P- P- φ p- Φ P> Ω P. d φ dd 1 EP P cn tr rt φ ^ φ p- iQ 3 cn 3 PP sd 3 Hi P p - sQ Φ P ^ rt iQ

P- N d α et d P Φ Φ Ω φ Φ P- tr P- Φ d P P- P- Φ & P- Φ tu ^

P ^J rt P- Φ P- d rt P tr PI tr d P d CΛ N Φ P- φ P ¹ d. -. Φ iQ ds: dd Φ d

P. *> • s: φ Φ d PP ^J P Φ d Z P- P cn P ^ Pi cn Φ P. od φ P- tö P iQ Φ p. d P P- cn Ui iQ P- Φ Φ d P Φ P- d ^ Ω fr rt iQ P π3 d co d Φ EP d co Φ p- rr P <! ω d P. P ¹ P. o cn M Φ P. P- fr tr rt

Φ PP Hl P d cn cn Ti P- φ N Ω rt o Φ tr P ¹ φ co Φ co d vQ Φ P P- dd Φ d φ H et PP P- z tr 3 P- PP • 3 Φ p- P - d • P- P- or P- Ti d P- CO cn d ^• ^ Φ cn P. P- 3 cn tr P- co cn sQ d ι-hd

S P. d P 3 d 1 Φ et P ^J Φ φ cn P. PM rt ö et tr cn rt Φ P> Φ rt cn

Φ co cn P- 3 <Q d Φ P- cn dd Ω Φ dd φ φ P P- Φ Φ P d 1 dp: tr Φ Φ d P- OZ P. tr cn P. rt EP Φ dd P- d P . d td d rt Φ IP sQ cn Φ cn dd φ Φ ^ Φ cn sQ Φ P <v P. P Φ Hi P Φ iQ

Hi N cn CΛ Φ et P Φ Φ cn P- PP d Q P- Φ P Φ P P. ^! D dd φ iQ 3 <! rt O e- O tr P. tr P d 1 cn _* Φ φ P P- φ P- P φ P φ ti α o P P- Ω tr P- d O Φ φ d N P- CΛ CΛ Φ H P. P ¹ p: ^ tr Ti φ φ rt co iQ Hi φ d P- 3 fr

P Ω Ti co d fr d Φ O Φ φ P- rt P Φ P Ti P Φ p: 3 co d P ¹ Ό • rt P d PP Φ 3 φ d P P- "DP φ dddi PP ^J Z Ω d P P- Pl e e- cn P. d P- 3 P P. P P- P- di φ d P- Φ P ¹ Q Φ d PHP tr φ Φ P d CΛ Ti Ω Φ ω 1 Φ P- tr P. Φ cn φ co P

P iQ P d P- Φ d PP Ω Φ Z Pi p- cn P ¹ «Ti 1 Φ Φ P tr sΩ P Φ

P d P. 1 d φ P d 1 tr CO P- p: P o P CΛ P cn P cn Φ Φ rt d rt tr d P- cn φ P et P <! Λ CΛ rt P t? D cn P d P- P ¹ cn Φ d sQ Φ rt tr

Φ φ & P P- rt P d Cd Φ Ω sQ P Φ iQ ω rt o P "^ d P P-

P P- s: ^ d Φ P 1 Hl tr ⁾ P, P d CΛ di ^ P- P ¹

3 Pl Φ et φ iQ d 3 P- & p- Φ ω H φ [S Φ 1 Ti ä d PP Φ P- 1 d CΛ Ti P> Φ P ^J α Φ sQ H- Ω P.

P P d P- P tsi Φ <! d Φ d P- Cn rt 1 <5 tr P- - 3 P Φ vQ tr d cn 1 1 P- d O 3! Λ d Pi Φ 1 Φ P o d Ti <1 P d Φ φ

Ω 1 Pi P- d 1 φ cn P d Ti iQ 1 φ 1 d P- tr 1 φ cn 1 Pi I 1 P 1

voice input. If the price has not been entered in connection with the dialing process, the prepaid shopping application creates an announcement asking the caller to enter the price. The caller then enters the price.

The prepaid shopping application 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 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 which servers (and which operator or which operators) are the accounts of the money recipient and sender. The server of the money sender is identified and, if it is a server other than the one on which the prepaid shopping application is running, a real-time connection is established to a prepaid shopping application running on this foreign server. ω ω t to P ¹ P ^» cn o cn o cn o cn o 3 tr Pi P- d Ω d φ H cn P co d CΛ rt rt nj Cd Ω P Ω rt α p. Pi Φ P- tr P- P o P cn p- Φ P d rt d P- 3 tr O p- P cn tr fr tr Φ P- Φ s TI HZ P.

P CO φ Φ er φ & p

Φ rt dd cn P d cn Φ Pi Ω o cn φ Φ rt d P Φ P cn Φ rt P- PP Φ P d P- rt Hl P et _ι. O tr P Ti P, Ω Ti Pi d P- d Ω Ti cn K cn P- pf φ o Pi O sQ t? Φ φ P ^J P Φ Ti Φ P ¹ P o POQ φ Φ TI tr P P. cn ^ P. et P-

Hl O: o P "rt P- d P- co P- ¹ φ d Ui sQ P- H P- Φ p- P P- PZ φ d Ω dd sQ P- P p- Φ Φ P d P P. sΩ cn et d ≥; P- P. P sQ φ O H-

P tr Φ rt et dd rt 3 ≤: P cn N sQ QP 1 et P o Φ sQ φ 1 P P- ¹ d PV cn? ^■ P- O Hi Hi Φ dd 1 Φ P- i iU d PP Φ P. EP Pi NP <p- P. P

P- rt P d P- od ^ P d «> ¹ o P. P- Q ⁽ Q d φ odo ω φ

P Φ d P- P- P od P iQ O d: Ti α Φ P P- d P ι-ό Φ P d P s: P Ω φ Ti co P d PJ Φ Φ 3 PP P- Φ d tr Ti cn P et φ Z P- d Pt tr Ω P- et

• e- P H- -Q tr P- P φ cn P- φ d P rt Φ Φ Hl O φ φ iQ ≥i Φ tr O tr d P Φ Φ d P- s ESI P φ P P. Φ d OP P- do P- cn d φ Φ α Ui φ d ö O e P Φ rt? α P. er cn Φ φ <! Φ PP P. Φ Q 1 tr <J P- rt Φ Hi et Ti P sd α PPP Φ s Φ tr cn P P- φ Φ Hl Φ rt P P. tr d CΛ d Φ Φ P- -> tr • φ P- d P- d P rt P et cn d P- d P TI d O cn P cn P- Φ rt e tr

Ω P cn 3 P. d P cn P p. φ Pi sQ P- cn Ω sΩ ω ^ Q sQ HP ¹ P φ d tr Pi o

P ¹ φ Φ Φ Ω Φ p. φ o P- cn tr P rt Φ ≥! cn iQ Q sQ Cd Φ P Hi Ti

Φ p: P 1 3 P ¹ CΛ P- P. Φ P d P d Φ d P Φ P- Φ rt Φ Φ d: tr O 3

P Cn Ti e S α d: p- O P- P. d d Φ Ω s; P tr cn Φ P P- cn <Ω Pi P CΛ Φ tr φ P d φ Pi Cd sΩ P- tr P- p. α iQ Φ Φ d d

Φ P- o Ω p: <Q 3 Φ et Φ d fr Ω co d Φ Tt Φ P cn P- cn Φ φ PP ¹ φ sQ

P sQ P odo Ti P - tr φ d p. Φ φ Φ P rt PPP 1 z K iQ d iQ • Pi sΩ cn d Φ et d Φ φ P rt PPQ p: P dddp: Φ P d Φ Φ p: α s P- 3 P α P ² φ P tr Φ Pi Φ d 3 N P- CO P tr • B P. φ P. Φ rt P tr Hl d & tr P- d rt P cn p: d Φ d PP "Φ φ 3 iQ P- φ P Φ sQ Φ sQ Ξ d et sΩ CO • <Q

• * _* d O TI φ p. P. sQ p- PN P- φ H cn rt P s: P P. e P α Φ rt o N Φ tr P 3 tr P ¹ rt co d rt tr cn rt- p: cn & Φ P rt Φ tsi d

Φ Φ P- C-. d P Φ Φ co Φ • • rt P rt- Φ cn ⁽ QP tr ß tr [^ d P. P tr 3 d P d P cn Φ d Ti Φ rt P- d = Φ o cn Φ 3 d P rt PP d

Hi rt P Φ d = d = tr iQ P d P cn Ω CÖü tr Ω cn P- P rt φ P cn B sQ T) do P- tr P tr d P- P d tr φ P- Φ et p- P- Φ i → Φ co P Φ P- PP * τ) iQ

P d Φ Φ Φ Ω Φ P, CΛ sQ rt Φ Hi φ P • φ Φ P- φ φ sQ H rt P Φ P

P iQ p- P- P. P P- PP ¹ P 1 Φ tr d P- co rt P sQ 3 cn> P P. iQ Ti d = P

P- Φ Ω d Φ rt P- d Hi CΛ P P P d φ P d er φ e <1 sQ φ Φ P Hi d

P d tr 3 P φ P. do tr <Φ tr CΛ PPP d cn sΩ rt P- Φ 3 P- P P- d Hl d • rt d PP iQ P- ¹ O Φ Φ Φ φ iQ P ιP rt Φ Φ O φ P- Ti dd P. d et o φ iQ! cn cn iQ Ti P dd P rt <φ α d: P- P * PPP Φ Pi Φ cn 1 vQ P.

Φ> NP co Φ d <rt Ti * N <od P "iQ p: P- rt Ω p: 3 P Pi Φ d P Φ 3 d cn Pi O P- p- cn Φ cn PP z rt" «• cn et i • i P φ O d: 3

Ω P- P cn P. Hi P P d d 3 Φ O P H- iQ φ P- P- φ p- et -Q Φ P- d tr

N tr et P- φ d'- cn <d LQ d P Pi Ω P d φ i? s: d P φ -> Φ d Ω rt φ CΛ d ^ φ Ω d tr cn P rt 1 EP rt O s; tr d P- P- Φ PP rt- tr OP Φ tr P cn tr P φ d Φ P P- iQ Q φ P Φ cn ds: cn cn r BP d P- p- cn dd iQ P & P. ≤ rt Φ p. Φ P Ξ P- P d P- Ti • P- P- <id φ rt tr) P Φ d cn z P- Φ P P- d P- 1 Q iQ PPP Φ rt Φ rt P p- P 3 iQ • <Φ P. φ φ P _^^ CL cn co 3 P P. σ Φ P- tr Φ ω rt P

Φ tr co P P. cn P- Φ P P- P- rt tr φ P Ti sQ Ω CO Φ

P Φ Ω Φ tr P <rt d P φ d Φ Φ Φ P et P- Φ φ φ tr rt cn cn P- P ¹ 1 P- Φ Φ Φ Φ d rr d PN rt P- φ Φ PP tr Φ Φ rt Φ

Ω cn d et P 3 tr ¹ dd tr Cd T3 Φ Φ P d P- tzi PBP d P- cn

P ¹ cn P- PO sQ d Ω P Ti P- P φ _r Ui Ti Cd P o P- P- P

Φ P- 3 P τι P O iQ So Ω tu tr Φ P rt sΩ φ tr P Pi P- d Ω φ φ cn O cn

P- deo PQ er p. 1 Φ sQ tr φ rt Ti P- ^ f φ dld rt p: d Hi P ¹ d cn Φ tr Φ

P. P. EP fr Φ Φ tr Φ PJ iQ Φ d Hl N P P- P Ui rt- P 1 N d s φ d

Φ o Ti cn d P Φ P- 1 d P- φ P- 1 P- cn P> QPP td P. d P- P d P 1 Ω 3 iQ d P- P. i 1 <T5 d P ¹ Φ tr φ. P- P- Φ P cn p- tr rt P- P Φ O Φ cn P- rt 1 oo P co P- P Φ 3 d Ω P co φ

1 φ Φ o P. d P- P • 1 φ P 3 Φ 1 d ω 1 tr co d

P 1 Hl 1 rt 1 1 1 rt 1

depending on whether the account is managed on a foreign 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.

Claims

ω LO ro ιo P ¹ P ¹ cn O cn ococo P ¹ c cn 1 Pl O 1 d 1 CΛ α φ 1 Φ P- Φ 1 cn d rt ü Hl tr> ^ Φ 1 Λ P] tr co iQ P ¹ T

P. d P Φ P φ φ O P- 3 p- Φ φ P- Φ Φ p- PPN o p- Ω Φ NO Φ • P φ d et> PCP Cd d φ Ti> d co d CΛ P ¹ PO rt P z 3 d CΛ tr P "Z d co rt

P LQ N e d P- P- cn p- P- d Pi P φ P Φ Ti P. P Φ d 3 φ Ό P φ P. <! Φ

Φ Φ Ui cn Φ d d φ cn p: Hi P cn cn φ Φ CΛ Ui d cn d φ P- i ^ f Φ P φ d

3 o CO 3 P 3 iQ iQ P rt d tr φ d J P- 3 d 1 tr P Q d J P- rt o P- P d P rt

Φ Ti TS Φ f Ti P Φ P d tr sQ P cn d rt e Ω Ti tr σ PP - d P- e Ω rt 3 d Φ ω Pi P tr rr P. Hi cn et Hi tr P tr P φ Φ dd P- tr Hi tr Hi cn P co rt rt for Pl tr Φ 3 P d

P P- d p: Φ P- p: Φ Φ 3 rt P rt φ P d φ p: rt P- p- tr P d Φ d d φ Φ φ tr cn

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- Examine the cover the amount of money in the money sender Gutha ^¬ benspeicher and reservation of the amount of money in the cover case or termination of signaling in the underfunding case

- 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 according to claim 1, characterized in that the amount of money to be transferred is entered in connection with the server number ^' .

3. 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 transaction server generates and transmits a request for input of the amount of money to be transferred to the money sender and / or money recipient and issued and output on the terminal of the money sender and / or money recipient

- in response to this request, the amount of money is entered on the respective terminal.

4. The method as claimed in one of the preceding claims, that the authentication data record in the money transmitter data record comprises an authentication code or biometric data of the money transmitter and steps for authorizing the same are carried out before the debiting step, namely the steps:

- Entry 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 record and output of a debit release signal nals if there is a match or a debit blocking signal if it does not match.

5. The method according to claim 4, characterized in that the authorization steps are carried out at an amount of money exceeding a predetermined threshold value, which ^¬ cher is adjustable in particular by the service operator or the money transmitter.

6. 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 receiver data record and / or the account identifier of the money transmitter data record comprises a server address or call number and the transaction server deals with this or these after the step of reading out the money receiver data record and the money transmitter data record to carry out the following Steps connects.

7. 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 gates and the phone numbers are saved in the money recipient data record.

8. 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 cash recipient via a telecommunications and data network in real time, in particular for carrying out the method according to one of the preceding claims, which comprises:

at least one account management server with a money sender credit memory and a money recipient account or credit memory,

- a pre-castle to the telecommunications and data network ^¬ nes terminal of the money receiver,

- A terminal of the money sender connected to the telecommunications and data network, - A transaction database of a service operator, in which a money recipient record, which includes the transaction number of the terminal of the recipient of the money and / or an account identifier of the account or credit memory , and a money sender data record are stored, which comprises the phone number of a terminal of the money sender and / or an account identifier of the credit memory and optionally an authentication data record, and

- a transaction server, which is connected to the transaction database and can be connected to the terminals of the money sender and / or recipient of the money via a server number or special number, and to the account management server or the account management servers via a data connection, or is carried out integrally with the latter or the latter, for reading out and evaluating the money recipient data record and the money sender data record from the transaction database or from the account management server or the account management servers and for establishing the optionally required data connection (s) to one or several external application (s) and for controlling a coverage check in the money sender credit memory as well as a debit from this and a debit to the money recipient account or the money recipient credit memory.

9. Arrangement according to claim 8, characterized in that the transaction database and the money sender credit storage rather and / or the money receiver credit memory are implemented on the transaction server.

10. Arrangement according to one of claims 8 or 9, so that the transaction server has means for documenting a debiting operation and a booking operation, in particular as a log record.

11. Arrangement according to one of claims 8 to 10, • that the transaction server is assigned telecommunication means for signaling a transaction abort or a debit and / or a charge to the terminal of the money sender and / or the money recipient.

12. Arrangement according to one of claims 8 to 11, characterized in that the telecommunications and data network comprises a mobile radio network, the terminal of the money transmitter and / or the terminal of the cash receiver being designed as a mobile radio terminal or with a mobile radio part equipped data processing device and a mobile radio terminal is assigned to the transaction server.