HUP0105475A2 - Method for carrying out cash-free payments and sytem for carrying out said method - Google Patents

Method for carrying out cash-free payments and sytem for carrying out said method

Info

Publication number
HUP0105475A2
HUP0105475A2 HU0105475A HUP0105475A HUP0105475A2 HU P0105475 A2 HUP0105475 A2 HU P0105475A2 HU 0105475 A HU0105475 A HU 0105475A HU P0105475 A HUP0105475 A HU P0105475A HU P0105475 A2 HUP0105475 A2 HU P0105475A2
Authority
HU
Hungary
Prior art keywords
data
account
merchant
mobile phone
comparison
Prior art date
Application number
HU0105475A
Other languages
Hungarian (hu)
Inventor
Mathias Entenmann
Original Assignee
Paybox Net Ag
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 Paybox Net Ag filed Critical Paybox Net Ag
Publication of HUP0105475A2 publication Critical patent/HUP0105475A2/en
Publication of HU227291B1 publication Critical patent/HU227291B1/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
    • G06Q20/08—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
    • G06Q20/04—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
    • G06Q20/20—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

Abstract

A tal lm ny elj r s készpénz nélküli fizetésre, llom sazonosító kóddalrendelkező kereskedői llom s, azonosító kódos SIM k rty val rendelkezőmobiltelefon és adat tviteli memóri val, kereskedői adatt rolóval éselőfizetői adatt rolóval rendelkező, valamint sz mlavezető egységgel"sszekapcsolt "sszehasonlító llom s alkalmaz s val. Azelj r s sor nfizetendő pénz"sszeg adat t beadj k a kereskedői llom son (1), akereskedői llom s llom sazonosító kódj t és legal bb a fizetendő"sszeg adat t adat tviteli kapcsolatban tov bbítj k az "sszehasonlítóllom sra (3), és a kereskedői adatt rolóban ellenőrzik a kereskedőillom s jogosults g t az elj r s alkalmaz s ra, jogosults g hi ny banmegszakítjk a folyamatot, jogosults g megléte esetén beírj k akezdeményezett tranzakció adatait az "sszehasonlító llom s adattviteli memóri j ba, mobiltelefonról (2) kapcsolatot létesítenek az"sszehasonlító llom ssal (3), a kapcsolatban tviszik a kereskedői lloms (1) llom sazonosító kódj t és a mobil telefon (2) SIM-k rtyaazonosítój t, az előfizetői adatt rolóban ellenőrzik a SIM-k rtyaazonosítój nak jogosults g t az elj r s alkalmaz s ra, jogosults g hiny ban megszakítj k a folyamatot, t"rlik a kezdeményezett tranzakcióadatait az adat tviteli memóri ból, és erről értesítést küldenek akereskedői llom sra (1), jogosults g megléte esetén "sszehasonlítj kaz "sszehasonlító llom s (3) adat tviteli memóri j ba beírt llomsazonosító kódokat a mobiltelefonon (2) beadott llom sazonosítókóddal, és ha nincs egyező adat, megszakítj k a folyamatot, atranzakció adat tviteli memóri ban t rolt adatait a mobiltelefonra (2)tov bbítj k, és ott kijelzik, a mobiltelefontól (2) megerősítő informciót kérnek, a megerősítő adatokat az "sszehasonlító llom sra (3) tovbbítj k, ha a megerősítő adat elutasító, megszakítj k a tranzakciót,és t"r"lik adatait az adat tviteli memóri ból, ha a megerősítő adatnem elutasító, az adat tviteli memóri ból a tranzakció adatait és amobiltelefon (2) azonosítókódj t sz mlavezető egységhez tov bbítj k,és t"rlik az tvitt adatokat az tviteli memóri ban. A tal lm ny tov bbrendszer készpénz nélküli fizetésre az elj r s foganatosít s ra. ÓFor cashless payments, the site uses a merchant account with a stock identification code, a mobile phone with a SIM card with an identification code and a data storage memory, a merchant data screen and a subscriber data screen, as well as a "disconnected" comparison site with an accounting unit. with. In advance, enter the amount of money to be paid in the merchant account (1), add the merchant account and account identification code and at least the amount to be paid to the "comparison account" (3), and in the merchant data register, they check the merchant's eligibility for the next application, if they are not eligible, the process is interrupted, if they are eligible, enter the data of the initiated transaction into the "comparison file's data transfer memory, from a mobile phone (2) they establish a connection to the "comparison account (3), the account ID code of the merchant account (1) and the SIM card ID of the mobile phone (2) are entered in the connection, the subscriber data is checked in the roll of the SIM card ID holder in the process to apply, if authorized, interrupt the process, delete the transaction data of the initiated transaction from the data storage memory, and send a notification about this to the merchant's account (1), in case of authorization, "comparison" comparison account (3) data store identification codes entered in the transfer memory with the store identification code entered on the mobile phone (2), and if there is no matching data, interrupt the process, transfer the transaction data stored in the transfer memory to the mobile phone (2) and it will be displayed there, from the mobile phone ( 2) confirmation information is requested, add the confirmation data to the comparison file (3), if the confirmation data is negative, cancel the transaction and delete your data from the data storage memory, if the confirmation data is not negative, the transfer the transaction data and mobile phone (2) identification code from the data transfer memory to the data management unit and delete the transferred data in the transfer memory. The above system for cashless payment is available for pre-booking. HE

HU0105475A 1999-02-02 2000-02-01 Method and system for cash-free payments HU227291B1 (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
HUP0105475A2 true HUP0105475A2 (en) 2002-04-29
HU227291B1 HU227291B1 (en) 2011-02-28

Family

ID=7895963

Family Applications (1)

Application Number Title Priority Date Filing Date
HU0105475A HU227291B1 (en) 1999-02-02 2000-02-01 Method and system for cash-free payments

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
IL144571A0 (en) 2002-05-23
JP2002541535A (en) 2002-12-03
NO20013777L (en) 2001-09-27
DE19903822C2 (en) 2001-09-20
HRP20010568B1 (en) 2011-10-31
BR0007964A (en) 2001-11-06
DE19903822A1 (en) 2000-08-10
HRP20010568A2 (en) 2002-08-31
MXPA01007779A (en) 2003-07-14
WO2000046768A1 (en) 2000-08-10
ME01248B (en) 2007-08-03
CN1339146A (en) 2002-03-06
YU54801A (en) 2003-01-31
CZ301247B6 (en) 2009-12-16
NO20013777D0 (en) 2001-08-01
EP1149367A1 (en) 2001-10-31
HU227291B1 (en) 2011-02-28
RS49614B (en) 2007-08-03
AU2800400A (en) 2000-08-25
ZA200105872B (en) 2002-09-10
CN1204535C (en) 2005-06-01
CA2361489A1 (en) 2000-08-10
CZ20012663A3 (en) 2002-02-13
TR200102216T2 (en) 2002-01-21
KR20010108166A (en) 2001-12-07
RU2242795C2 (en) 2004-12-20

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