HRP20010568B1 - Method of effecting cashless payments and a system for implementing the method - Google Patents

Method of effecting cashless payments and a system for implementing the method

Info

Publication number
HRP20010568B1
HRP20010568B1 HR20010568A HRP20010568A HRP20010568B1 HR P20010568 B1 HRP20010568 B1 HR P20010568B1 HR 20010568 A HR20010568 A HR 20010568A HR P20010568 A HRP20010568 A HR P20010568A HR P20010568 B1 HRP20010568 B1 HR P20010568B1
Authority
HR
Croatia
Prior art keywords
transaction
mobile phone
procedure
data
identification code
Prior art date
Application number
HR20010568A
Other languages
Croatian (hr)
Inventor
Entenmann Mathias
Original Assignee
A1 Telekom Austria Aktiengesellschaft
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 A1 Telekom Austria Aktiengesellschaft filed Critical A1 Telekom Austria Aktiengesellschaft
Publication of HRP20010568A2 publication Critical patent/HRP20010568A2/en
Publication of HRP20010568B1 publication Critical patent/HRP20010568B1/en

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
    • G06Q20/04—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
    • G06Q20/16—Payments settled via telecommunication 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
    • 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]
    • 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
    • G06Q20/30—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]
    • G06Q20/3229—Use of the SIM of a M-device as secure element
    • 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
    • G06Q20/327—Short range or proximity payments by means of 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
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
    • G06Q20/425—Confirmation, e.g. check or permission by the legal debtor of payment using two different networks, one for transaction and one for security confirmation

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Theoretical Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Computer Security & Cryptography (AREA)
  • Mobile Radio Communication Systems (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Telephonic Communication Services (AREA)
  • Devices For Checking Fares Or Tickets At Control Points (AREA)
  • Telephone Function (AREA)
  • Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)

Abstract

Postupak obavljanja transakcije bezgotovinskog plaćanja preko trgovačke postaje (1), koja ima svoj identifikacijski kod, mobitela (2) sa SIM karticom, koja ima svoj identifikacijski broj i uređaja za usporedbu (3), koji obuhvaća uređaj za pohranjivanje podataka o transakciji (10), uređaj za provjeru trgovca (11), radi provjere identifikacijskih kodova trgovačkih postaja ovlaštenih za primjenu ovog postupka i uređaj za provjeru pretplatnika (12), radi provjere identifikacijskih kodova SIM kartica ovlaštenih za ovaj postupak, i koji je povezan s uređajima za vođenje računa (15), naznačen time što se sastoji od sljedećih koraka: učitavanje iznosa novca koji treba platiti u trgovačkoj postaji, prijenos identifikacijskog koda trgovačke postaje i barem iznosa novca do uređaja za usporedbu s ovim identifikacijskom kodom putem veze, provjera dozvole trgovačke postaje za korištenje ovim postupkom pomoću uređaja za provjeru trgovca, prekid postupka, ako nema dozvole, inače upisivanje podataka kao otvorene transakcije u uređaju za memoriju transakcije uređaja za usporedbu, uspostavljanje veze od mobitela do uređaja za usporedbu, prijenos identifikacijskog koda trgovačke postaje i identifikacijskog koda SIM kartice od mobitela na uređaj za usporedbu, provjera dozvole SIM kartice za korištenje ovim postupkom pomoću uređaja za provjeru pretplatnika, u slučaju neposjedovanja dozvole, prekid postupka, brisanje otvorene transakcije iz memorije za transakcije i prijenos odgovarajućih podataka do trgovačke postaje, inače, usporedba identifikacijskog koda trgovačke postaje dobivenog s mobitela s kodovima otvorenih transakcija pohranjenih u uređaju za memoriju transakcija, ako se ne nađe takva transakcija, postupak se prekida, a ako se nađe, onda se prenose podaci o transakciji do mobitela, daju se podaci preko mobitela, traže se podaci o potvrdi preko mobitela, prenošenje podataka o potvrdi na uređaj za usporedbu, prenošenje podataka o potvrdi na trgovačku postaju, prekid transakcije i brisanje transakcije iz memorije transakcija, ako podaci o potvrdi znače odbijanje, a u suprotnom, prijenos podataka o transakciji iz memorije transakcija i identifikacijskog koda mobitela do uređaja za vođenje računa i brisanje iz memorije transakcija, u drugom slučaju, ako se jedna od veza ne može uspostaviti, daje se prijava trgovačkoj postaji (1) ili mobitelu (2), prije nego što se prekine postupak. Patent sadrži još 20 patentnih zahtjeva.The method of performing a cashless payment transaction via a trading station (1), which has its own identification code, a mobile phone (2) with a SIM card, which has its own identification number and a comparison device (3), which includes a device for storing transaction data (10) , a merchant verification device (11), for verifying the identification codes of trading stations authorized to apply this procedure and a subscriber verification device (12), for verifying the identification codes of SIM cards authorized for this procedure, and which is connected to account management devices ( 15), characterized in that it consists of the following steps: loading the amount of money to be paid at the trading station, transmitting the identification code of the trading station and at least the amount of money to the device for comparison with this identification code via link, checking the permission of the trading station to use this procedure using the device to check the trader, interrupt the procedure, if there is no permission, otherwise enter data ka o open transactions in the memory device of the comparison device transaction, establishing a connection from the mobile phone to the comparison device, transferring the identification code of the trade station and the SIM card identification code from the mobile phone to the comparison device, checking the SIM card permission to use this procedure subscriber, in case of no license, termination of the procedure, deletion of the open transaction from the transaction memory and transfer of the corresponding data to the trading station, otherwise, comparison of the identification code of the trading station obtained from the mobile phone with the open transaction codes stored in the transaction memory device. such a transaction, the procedure is terminated, and if found, then the transaction data is transmitted to the mobile phone, the data is provided via the mobile phone, the confirmation data is requested via the mobile phone, the transfer of the confirmation data to the comparison device, the transfer of the confirmation data to the merchant station, termination of the transaction and delete a transaction from the transaction memory if the confirmation data means rejection, otherwise transfer the transaction data from the transaction memory and mobile phone identification code to the account recorder and delete from the transaction memory, otherwise, if one of the connections cannot be established , the report is given to the trading station (1) or mobile phone (2), before the procedure is terminated. The patent contains 20 more patent claims.

HR20010568A 1999-02-02 2001-07-27 Method of effecting cashless payments and a system for implementing the method HRP20010568B1 (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
DE19903822A DE19903822C2 (en) 1999-02-02 1999-02-02 Procedure for making cashless payments and system for performing the procedure
PCT/EP2000/000772 WO2000046768A1 (en) 1999-02-02 2000-02-01 Method for carrying out cash-free payments and system for carrying out said method

Publications (2)

Publication Number Publication Date
HRP20010568A2 HRP20010568A2 (en) 2002-08-31
HRP20010568B1 true HRP20010568B1 (en) 2011-10-31

Family

ID=7895963

Family Applications (1)

Application Number Title Priority Date Filing Date
HR20010568A HRP20010568B1 (en) 1999-02-02 2001-07-27 Method of effecting cashless payments and a system for implementing the method

Country Status (20)

Country Link
EP (1) EP1149367A1 (en)
JP (1) JP2002541535A (en)
KR (1) KR20010108166A (en)
CN (1) CN1204535C (en)
AU (1) AU2800400A (en)
BR (1) BR0007964A (en)
CA (1) CA2361489A1 (en)
CZ (1) CZ301247B6 (en)
DE (1) DE19903822C2 (en)
HR (1) HRP20010568B1 (en)
HU (1) HU227291B1 (en)
IL (1) IL144571A0 (en)
ME (1) ME01248B (en)
MX (1) MXPA01007779A (en)
NO (1) NO20013777L (en)
RS (1) RS49614B (en)
RU (1) RU2242795C2 (en)
TR (1) TR200102216T2 (en)
WO (1) WO2000046768A1 (en)
ZA (1) ZA200105872B (en)

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Also Published As

Publication number Publication date
BR0007964A (en) 2001-11-06
MXPA01007779A (en) 2003-07-14
NO20013777D0 (en) 2001-08-01
HUP0105475A2 (en) 2002-04-29
CN1339146A (en) 2002-03-06
DE19903822C2 (en) 2001-09-20
CN1204535C (en) 2005-06-01
KR20010108166A (en) 2001-12-07
YU54801A (en) 2003-01-31
IL144571A0 (en) 2002-05-23
HU227291B1 (en) 2011-02-28
CA2361489A1 (en) 2000-08-10
EP1149367A1 (en) 2001-10-31
CZ20012663A3 (en) 2002-02-13
ME01248B (en) 2007-08-03
AU2800400A (en) 2000-08-25
NO20013777L (en) 2001-09-27
WO2000046768A1 (en) 2000-08-10
JP2002541535A (en) 2002-12-03
DE19903822A1 (en) 2000-08-10
CZ301247B6 (en) 2009-12-16
HRP20010568A2 (en) 2002-08-31
RU2242795C2 (en) 2004-12-20
ZA200105872B (en) 2002-09-10
RS49614B (en) 2007-08-03
TR200102216T2 (en) 2002-01-21

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