EP1550088A2 - Procede de reglement de prestations et/ou de services fournis a un utilisateur par un fournisseur par l'intermediaire d'internet - Google Patents

Procede de reglement de prestations et/ou de services fournis a un utilisateur par un fournisseur par l'intermediaire d'internet

Info

Publication number
EP1550088A2
EP1550088A2 EP03773473A EP03773473A EP1550088A2 EP 1550088 A2 EP1550088 A2 EP 1550088A2 EP 03773473 A EP03773473 A EP 03773473A EP 03773473 A EP03773473 A EP 03773473A EP 1550088 A2 EP1550088 A2 EP 1550088A2
Authority
EP
European Patent Office
Prior art keywords
credit card
services
credit
data
user
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Ceased
Application number
EP03773473A
Other languages
German (de)
English (en)
Inventor
Helmut Kunkel
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.)
Telekom Deutschland GmbH
Original Assignee
T Mobile Deutschland GmbH
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 T Mobile Deutschland GmbH filed Critical T Mobile Deutschland GmbH
Publication of EP1550088A2 publication Critical patent/EP1550088A2/fr
Ceased legal-status Critical Current

Links

Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/02—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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 OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/343—Cards including a counter
    • G06Q20/3437—Cards including a counter the counter having non-monetary units, e.g. trips
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
    • H04M15/51—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP for resellers, retailers or service providers
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
    • H04M15/68—Payment of value-added services
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H04M17/10—Account details or usage
    • H04M17/106—Account details or usage using commercial credit or debit cards
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H04M2017/14—Prepayment of wireline communication systems, wireless communication systems or telephone systems using commercial credit/debit cards, e.g. VISA, AMEX
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/01—Details of billing arrangements
    • H04M2215/0196—Payment of value-added services, mainly when their charges are added on the telephone bill, e.g. payment of non-telecom services, e-commerce, on-line banking
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/22—Bandwidth or usage-sensitve billing
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/54—Resellers-retail or service providers billing, e.g. agreements with telephone service operator, activation, charging/recharging of accounts

Definitions

  • the invention relates to a method for equalizing the value of services and / or services used via the Internet between a provider and a user.
  • the Internet enables fast, globally networked data access and / or data transfer.
  • the object of the invention is to provide a method for equalizing the value of services and / or services used via the Internet between a provider and a user, which ensures full cost control and extensive anonymity of the user or owner (regulator).
  • a prepaid card similar to a so-called "prepaid card”, such as is used in the field of mobile communications, is used.
  • this prepaid card is assigned at least a clear identification of the user, such as a bank account.
  • SAT-capable online banking
  • Possible forms for identifying the card as a means of payment can be:
  • Connection to other identification criteria e.g. via bluetooth to cell phone.
  • the provider of internet services can identify a user using the credit card and the services and / or services directly or indirectly using the identification account using credit data stored on the credit card.
  • a further embodiment of the invention makes it possible to temporarily store the data on the credit card in a memory outside the credit card, so that the data on the credit card can also be accessed when the credit card is not physically present.
  • the credit card is updated by overwriting with the memory content of the temporary memory and, if necessary, the memory content is then deleted. Misuse of the card is prevented in that after the credit card has been read out and its data has been stored in the temporary memory, the card is blocked for further read-out processes. This block is only released when the credit card is updated.
  • the method according to the invention with or without adding to the credit with additional credit cards can also be used for billing tariffs similar to the use in card phones or payment processes at vending machines.

Landscapes

  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • General Physics & Mathematics (AREA)
  • Signal Processing (AREA)
  • Physics & Mathematics (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Processing Or Creating Images (AREA)

Abstract

L'invention concerne un procédé de règlement de prestations et/ou de services fournis à un utilisateur par un fournisseur par l'intermédiaire d'Internet, ce procédé consistant à utiliser une carte de débit. Le fournisseur de prestations Internet peut identifier l'utilisateur au moyen de cette carte de débit et encaisser le règlement pour ces prestations et/ou services à l'aide de cette identification directement ou indirectement au moyen de données de débit stockées sur ladite carte de débit.
EP03773473A 2002-10-01 2003-09-30 Procede de reglement de prestations et/ou de services fournis a un utilisateur par un fournisseur par l'intermediaire d'internet Ceased EP1550088A2 (fr)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
DE2002146123 DE10246123A1 (de) 2002-10-01 2002-10-01 Verfahren zum Wertausgleich von über das Internet in Anspruch genommenen Leistungen und/oder Diensten zwischen einem Anbieter und einem Nutzer
DE10246123 2002-10-01
PCT/DE2003/003267 WO2004032449A2 (fr) 2002-10-01 2003-09-30 Procede de reglement de prestations et/ou de services fournis a un utilisateur par un fournisseur par l'intermediaire d'internet

Publications (1)

Publication Number Publication Date
EP1550088A2 true EP1550088A2 (fr) 2005-07-06

Family

ID=32010139

Family Applications (1)

Application Number Title Priority Date Filing Date
EP03773473A Ceased EP1550088A2 (fr) 2002-10-01 2003-09-30 Procede de reglement de prestations et/ou de services fournis a un utilisateur par un fournisseur par l'intermediaire d'internet

Country Status (4)

Country Link
EP (1) EP1550088A2 (fr)
AU (1) AU2003281926A1 (fr)
DE (1) DE10246123A1 (fr)
WO (1) WO2004032449A2 (fr)

Citations (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
DE4437283C1 (de) * 1994-10-18 1996-03-14 Accumulata Symi Grundstuecks G Elektronische Geldbörse

Family Cites Families (12)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2896694B2 (ja) 1990-05-25 1999-05-31 株式会社日本コンラックス プリペイドカードシステム
JPH0737147A (ja) 1993-07-16 1995-02-07 Fujitsu Ltd 連動処理機能付きカード処理装置
CA2191502C (fr) * 1995-12-08 2002-02-05 Masayuki Ohki Appareil de retenue pour moyen de paiement electronique
DE19812125A1 (de) * 1997-10-10 1999-04-15 Klein Patrick Zugangs- und Abrechnungsverfahren mit Chipkarten für den Bezug von Leistungen aus Telekommunikationsnetzen
DE10002881A1 (de) * 1999-01-15 2000-08-31 Herbert Nebel Verfahren zum Bezahlen von Angeboten in einem Datenübertragungsnetz
DE19906213A1 (de) * 1999-02-15 2000-08-24 Siemens Ag Verfahren und Einrichtung zur Abrechnung gebührenpflichtiger Kommunikationsdienste
US6529880B1 (en) * 1999-12-01 2003-03-04 Intermec Ip Corp. Automatic payment system for a plurality of remote merchants
DE10001097A1 (de) * 2000-01-13 2001-07-19 Scm Microsystems Gmbh Elektronisches Zahlungssystem für Dienste, Software und multimediale Inhalte
WO2001059722A2 (fr) 2000-02-08 2001-08-16 Tokyo Mechatronics Co., Limited Systeme de reglement par carte prepayee, procede internet, et dispositif et procede d'utilisation associee
EP1156620A1 (fr) * 2000-05-16 2001-11-21 Kosmos Installation perfectionnée d'échange de données dans un réseau, et carte de paiement et procédé associés
DE10104540C2 (de) * 2000-11-20 2002-11-07 Siemens Ag Betriebsverfahren eines elektronischen Prepaid-Kontos und Anordnung zu dessen Durchführung
FR2819128B1 (fr) * 2001-01-04 2003-09-12 Sagem Terminal et procede de paiement electronique

Patent Citations (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
DE4437283C1 (de) * 1994-10-18 1996-03-14 Accumulata Symi Grundstuecks G Elektronische Geldbörse

Non-Patent Citations (1)

* Cited by examiner, † Cited by third party
Title
See also references of WO2004032449A2 *

Also Published As

Publication number Publication date
WO2004032449A3 (fr) 2005-01-20
DE10246123A1 (de) 2004-04-15
WO2004032449A2 (fr) 2004-04-15
AU2003281926A8 (en) 2004-04-23
AU2003281926A1 (en) 2004-04-23

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