EP1309956A1 - 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'avoirInfo
- Publication number
- EP1309956A1 EP1309956A1 EP01974131A EP01974131A EP1309956A1 EP 1309956 A1 EP1309956 A1 EP 1309956A1 EP 01974131 A EP01974131 A EP 01974131A EP 01974131 A EP01974131 A EP 01974131A EP 1309956 A1 EP1309956 A1 EP 1309956A1
- Authority
- EP
- European Patent Office
- Prior art keywords
- money
- recipient
- sender
- account
- terminal
- 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- Withdrawn
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
- G06Q20/108—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
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/108—Remote banking, e.g. home banking
- G06Q20/1085—Remote banking, e.g. home banking involving automatic teller machines [ATMs]
-
- 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
- G06Q20/08—Payment architectures
- G06Q20/20—Point-of-sale [POS] network systems
- G06Q20/202—Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
-
- 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
- G06Q20/20—Point-of-sale [POS] network systems
- G06Q20/204—Point-of-sale [POS] network systems comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
-
- 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
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 to another credit memory via a telecommunications and data 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 insight into sensitive personal data and even the possibility of their permanent storage.
- telecommunications - especially mobile telecommunications - are today an area with rapid technical and economic development and an essential source of economic growth and new social developments.
- the mobile phone (“Handy” ) more and more to a universal communication and information instrument and also increasingly used for access to goods and services.
- This development is also hampered by inadequate options for secure and at the same time easy payment for information, goods and services ordered via the mobile phone.
- the invention is therefore based on the object of specifying a method and an arrangement for the simplified handling of payment transactions using a data network.
- the invention includes the essential idea of 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.
- 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
- 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.
- 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.
- SCP service control center
- NPT ⁇ PP d N iQ P 1 ⁇ s: d PP ⁇ ⁇ rt ⁇ P- P- iQ ⁇ p- ⁇ ⁇ ⁇ rt rt O: d P- cn P- ⁇ C ⁇ ⁇ 1 P d P ⁇ P tr f P cn d CO ⁇ cn PP Ui d sQ
- P ⁇ d ⁇ P- P P P ⁇ p: sQ C ⁇ 3 ⁇ s ⁇ ⁇ P P- C ⁇ P- ⁇ P P rt tr P iQ sQ O d P ⁇
- 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.
- 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.
- P tr ⁇ rt et dd rt 3 P cn N sQ QP 1 et P o ⁇ sQ ⁇ 1 P P- 1 d PV cn? ⁇ P- O Hi Hi ⁇ dd 1 ⁇ P- i iU d PP ⁇ P. EP Pi NP ⁇ p- P. P
- P ⁇ d P- P- P od P iQ O d Ti ⁇ ⁇ P P- d P ⁇ - ⁇ ⁇ P d P s: P ⁇ ⁇ Ti co P d PJ ⁇ ⁇ 3 PP P- ⁇ d tr Ti cn P et ⁇ Z P- d Pt tr ⁇ P- et
- a log record is also created for the booking process.
Abstract
Priority Applications (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
EP01974131A EP1309956A1 (fr) | 2000-08-18 | 2001-08-07 | 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 |
---|---|---|---|
EP00117855A EP1180750A1 (fr) | 2000-08-18 | 2000-08-18 | Procédé et dispositif pour la transmission d'une somme d'argent électronique depuis une mémoire de crédit |
EP00117855 | 2000-08-18 | ||
PCT/EP2001/009138 WO2002017254A1 (fr) | 2000-08-18 | 2001-08-07 | Procede et systeme permettant de transmettre une somme d'argent electronique a partir d'un systeme d'enregistrement d'avoir |
EP01974131A EP1309956A1 (fr) | 2000-08-18 | 2001-08-07 | 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 |
---|---|
EP1309956A1 true EP1309956A1 (fr) | 2003-05-14 |
Family
ID=8169583
Family Applications (2)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
EP00117855A Withdrawn EP1180750A1 (fr) | 2000-08-18 | 2000-08-18 | Procédé et dispositif pour la transmission d'une somme d'argent électronique depuis une mémoire de crédit |
EP01974131A Withdrawn EP1309956A1 (fr) | 2000-08-18 | 2001-08-07 | 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 |
---|---|---|---|
EP00117855A Withdrawn EP1180750A1 (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) | US7139694B2 (fr) |
EP (2) | EP1180750A1 (fr) |
JP (1) | JP2004523021A (fr) |
CN (1) | CN1468420A (fr) |
BR (1) | BR0113287A (fr) |
WO (1) | WO2002017254A1 (fr) |
Families Citing this family (27)
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US7003078B2 (en) | 1999-01-29 | 2006-02-21 | Sbc Knowledge Ventures, Lp | Method and apparatus for telephone line testing |
GB2395036A (en) * | 2002-10-31 | 2004-05-12 | Espeed Inc | Trading interface using keyboard |
GB0229765D0 (en) * | 2002-12-20 | 2003-01-29 | Radicall Projects Ltd | Payment system |
US8512118B2 (en) | 2003-06-19 | 2013-08-20 | Aristocrat Technologies Australia Pty Limited | Cashless reservation system |
CN101061499A (zh) * | 2004-01-06 | 2007-10-24 | 伊帕斯波特公司 | 管理预付帐户的方法 |
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 |
NZ554986A (en) * | 2006-05-05 | 2009-01-31 | Aristocrat Technologies Au | A gaming machine, a controller for a gaming machine, a gaming system, and a gaming method |
CN101005541B (zh) * | 2006-12-25 | 2011-04-20 | 华为技术有限公司 | 支持多币种的语音播放方法、系统及scp和ip |
US20080270301A1 (en) * | 2007-04-27 | 2008-10-30 | American Express Travel Related Services Co., Inc. | Mobile payment system and method |
US8688570B2 (en) | 2007-04-27 | 2014-04-01 | American Express Travel Related Services Company, Inc. | System and method for performing person-to-person funds transfers via wireless communications |
US8620260B2 (en) | 2007-04-27 | 2013-12-31 | American Express Travel Related Services Company, Inc. | Payment application download to mobile phone and phone personalization |
US8543496B2 (en) | 2007-04-27 | 2013-09-24 | American Express Travel Related Services Company, Inc. | User experience on mobile phone |
US8504450B2 (en) * | 2007-08-31 | 2013-08-06 | Ebay Inc. | Mobile remittances/payments |
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 |
US7729989B1 (en) | 2007-09-19 | 2010-06-01 | Amazon Technologies, Inc. | Method and apparatus for message correction in a transaction authorization service |
US8302187B1 (en) | 2007-09-27 | 2012-10-30 | Amazon Technologies, Inc. | System and method for preventing large-scale account lockout |
CN101918952B (zh) * | 2007-11-14 | 2013-09-11 | Nxp股份有限公司 | 电子系统以及操作电子系统的方法 |
US8620826B2 (en) * | 2008-03-27 | 2013-12-31 | Amazon Technologies, Inc. | System and method for receiving requests for tasks from unregistered devices |
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 |
WO2009136406A2 (fr) * | 2008-05-05 | 2009-11-12 | Shree Mishra | Procédé et appareil de paiements multi-devises à base de numéro d’identification personnel et de service de messages courts ou de paiements de commerce électronique par une devise mobile |
US8930272B2 (en) * | 2008-12-19 | 2015-01-06 | Ebay Inc. | Systems and methods for mobile transactions |
US10354237B2 (en) * | 2012-12-17 | 2019-07-16 | Capital One Services Llc | Systems and methods for effecting personal payment transactions |
CN104703124B (zh) * | 2013-12-06 | 2018-10-16 | 阿里巴巴集团控股有限公司 | 对象信息获得方法及系统 |
CN104361521B (zh) * | 2014-11-03 | 2018-04-06 | 上海众人网络安全技术有限公司 | 基于移动终端的电子汇兑系统及电子汇兑方法 |
WO2016196227A1 (fr) * | 2015-05-29 | 2016-12-08 | Groupon, Inc. | Recherche mobile |
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EP0986275A1 (fr) * | 1998-09-10 | 2000-03-15 | Swisscom AG | Procédé pour acheter des articles ou des services avec un téléphone mobile |
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-
2000
- 2000-08-18 EP EP00117855A patent/EP1180750A1/fr not_active Withdrawn
-
2001
- 2001-08-07 BR BR0113287-3A patent/BR0113287A/pt not_active IP Right Cessation
- 2001-08-07 US US10/110,657 patent/US7139694B2/en not_active Expired - Fee Related
- 2001-08-07 WO PCT/EP2001/009138 patent/WO2002017254A1/fr not_active Application Discontinuation
- 2001-08-07 CN CNA018168655A patent/CN1468420A/zh active Pending
- 2001-08-07 JP JP2002521237A patent/JP2004523021A/ja active Pending
- 2001-08-07 EP EP01974131A patent/EP1309956A1/fr not_active Withdrawn
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WO1999008238A1 (fr) * | 1997-08-11 | 1999-02-18 | International Business Machines Corporation | Systeme informatique et de traitement de transactions portable, et procede utilisant une securite a autorisation biometrique et certificat numerique |
EP0986275A1 (fr) * | 1998-09-10 | 2000-03-15 | Swisscom AG | Procédé pour acheter des articles ou des services avec un téléphone mobile |
Non-Patent Citations (3)
Title |
---|
LEAVITT N.: "WILL WAP DELIVER THE WIRELESS INTERNET?", COMPUTER, vol. 33, no. 5, May 2000 (2000-05-01), IEEE SERVICE CENTER, LOS ALAMITOS, CA, US, pages 16 - 20, XP002158269 * |
See also references of WO0217254A1 * |
SELLIN R.: "NEUE MOBILE PERSPEKTIVEN MIT WAP", NTZ (NACHRICHTENTECHNISCHE ZEITSCHRIFT), vol. 52, no. 11, 1999, VDE VERLAG GMBH., BERLIN, DE, pages 50 - 53, XP000868398 * |
Also Published As
Publication number | Publication date |
---|---|
EP1180750A1 (fr) | 2002-02-20 |
BR0113287A (pt) | 2003-07-29 |
JP2004523021A (ja) | 2004-07-29 |
US20020156746A1 (en) | 2002-10-24 |
CN1468420A (zh) | 2004-01-14 |
US7139694B2 (en) | 2006-11-21 |
WO2002017254A1 (fr) | 2002-02-28 |
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