JP2002541535A - Method for making cashless payments and system for performing this method - Google Patents

Abstract

Summary of the invention It is an object of the present invention to provide a simple but secure cashless payment method, especially in various places, and a system for implementing this method. According to the invention, a certain amount of money is read by the point-of-sale terminal device and sent together with the terminal device identifier to a balance account device that temporarily stores the data. The payer sends the point-of-sale terminal identifier to the balances device via the mobile telephone. The balancer compares the identifier to the identifier of the stored data and sends the corresponding amount to the wireless telephone, where the payment is requested for confirmation and sent to the balancer. The balance account device then sends the corresponding accounting book entry to the account recorder. A system for performing the method can connect to a wireless telephone and a point-of-sale terminal over a wireless telephone network, a point-of-sale terminal, and / or a telecommunications link and / or a data link. And a balance account device.

Description

DETAILED DESCRIPTION OF THE INVENTION

The present invention relates to a method for making cashless payments and a system for implementing the method.

[0002] Cashless payment transactions have increased significantly in recent years for a variety of reasons. According to them, large amounts of cash are no longer available for shopping, so that one can reduce the risk of being stolen and the other allows for impulse buying, so that large purchases can be made. You don't have to carry around. Large cash transactions are also avoided for sellers.

[0003] The simplest means of this type of payment, checks, are not very secure. This is because checks are easily stolen and can be used fraudulently, for example, after they have been signed. In addition, the use of checks is cumbersome for buyers and merchants.

[0004] Thus, in particular, with the introduction of credit cards, valid credit card holders can "pay" with a combination of his signature and credit card number, or often only with the number. Again, there is a high risk of abuse since no strong safety mechanisms are included. In addition to the signature, the merchant often calls an authorization center so that the merchant can determine if the card has been suspended.

[0005] Smart cards have been developed, sometimes referred to as cash cards, because of high fees and the need for credit card holders to be constantly given a certain amount of credit. Encryption techniques are used on these chip cards so that the cards can hold large sums of money and only authorized parties can give the sums to the cards. To pay more, a PIN is provided. It is checked directly from the chip card at the time of payment. This type of payment requires a small expense. This is because it is necessary to provide a network of the money amount providing terminal devices. In addition, the merchant must obtain a corresponding reading terminal.

[0006] Patent application WO 98/47116 describes a method for making a payment from a customer to a merchant by a telecommunication device and a corresponding device for performing the method. In this method, a customer first sets up a mobile cell phone connection to a so-called remote payment device via a cell phone. Thereafter, the remote payment device calls the merchant identification code and the payment amount via the established connection. The remote payment device stores this transaction data for some time. After setting up the appropriate communication link and sending the transaction code specific to this transaction and the amount to be confirmed, a confirmation request is sent to the customer and merchant. After confirmation, the bank specified by the customer entry in the data bank of the remote payment device transfers the amount to the bank specified by the merchant's entry, or informs the first bank to make the transfer. Commanded.
For security, the geographical location of the mobile cell phone is determined by the determination of the radio cell where the phone is located or by GPS and compared to a list or allowed location. This method is firstly technically complex in relation to location determination and then the customer has to provide a relatively large amount of information via the cell phone. this is,
Redundant and often error prone due to small keys and small indicators. further,
Other data about the transaction, such as the purpose of the payment,
Cannot be easily entered.

[0007] It is therefore an object of the present invention to provide a method which is simple, especially for customers, but which is secure for cashless payments at various locations and a system for implementing this method. For the customer, the transaction should proceed with a simple confirmation, eg, a PIN entry, without requiring complicated information entry or other operational steps. In addition, infrastructure (hardware or software) that is as new as possible should be required on both the merchant side and the customer side, and in the most favorable case today's equipment with point-of-sale terminals is sufficient. Should be.

This object is met by a method according to claim 1, which can be performed by a system according to claim 18.

[0009] In contrast to the use of credit cards, due to the required mobile cell phone connection of a limited duration and the entry of confirmation during this time, the data exchanged during the connection must be It is not possible for a merchant to use it for a transaction.

[0010] Furthermore, it is possible to make payments by using a comparison device without data relating to the safety of the customer reaching the merchant. To that end, this method allows anonymous payments.

Furthermore, buyers who already have a mobile cell phone with a SIM card can perform this method very simply and cheaply. A particular advantage of this method is that, since mobile cell phones with SIM cards are already very widespread, a larger user base pays for the method of the present invention without having to worry about further investment or PINs. it can.

In addition, in the simplest case, an electronic till having an online payment facility is sufficient for the merchant to carry out the present invention, so that the merchant terminal is a technology. Very simple. Similarly, a computer with a modem and, for example, appropriate software can function as a merchant terminal. Furthermore, a second mobile cell phone is suitable as a simple merchant terminal. Therefore, simple and secure cashless payment is possible.

Also, although merchant terminals and mobile cell phones are often in close proximity in space, this is not required.

Further, the customer no longer has to enter the amount to be paid by himself. The method of the present invention has this advantage over the method of WO / 47116. That's because the prices of goods are nowadays from price tags, or barcodes or tills
It is generally obtained using other features read by a reader connected to the device, thus avoiding repeated acquisition of the purchase price.

[0015] The object of the invention is further met by a method having the features as claimed in claims 3 and 19 and a system for implementing the method.

In addition to the advantages of anonymous payments, the second method has the same advantages as the first method. In addition, there is the advantage that the mobile cell phone user is called, so that there is minimal entry by that user.

However, in contrast to the first method, the identification code associated with the SIM card reaches the merchant.

The object of the invention is further fulfilled by a method having the features as recited in claims 6 and 20 and a system for implementing the method.

The expression “interface for wireless data transmission” is used to process data, ie read out memory and transmit or receive and write to memory, as is commonly done in this application. The corresponding device of the above is also included. Special software adapted for merchant terminals or mobile cell phones can be included in this. Wireless transmission can be by various media, for example, light in the infrared or visible regions, microwave or radio waves, or even ultrasound. "BLUETOOTH" when using microwaves or radio waves
Is particularly preferred as an interface. This allows for practically omnidirectional transmission and does not require any visible contact between the customer's mobile cell phone and the merchant terminal. When using light, an IrDA interface or an Ir interface is preferred as the interface. In this case, the transmission takes place by infrared in a limited spatial angle range using a special protocol. This reduces interference on the one hand and reduces the range of operation on the other hand.

As well as the advantages of the first method, the advantage of this method is that the manufacturer does not need to know any kind of data from the buyer, while at the same time the buyer enters his own data do not have to.

In the first method and the second method, it may be necessary to read the identification code of the comparison device in the first step. However, the identification code of the comparison device is data that can be stored.
When two comparators are included, the connection is made automatically based on the stored identification code, or-if several comparators are included-
It is only necessary to select one from those stored.

[0022] Preferred embodiments of the method and a system implementing the method are the dependent claims,
4, 5, 7-17, 21, and 22.

In this application, a cell phone is understood to include a combination of a cell phone with another electronic device, such as an electronic notebook, or a terminal device in a mobile wireless network that typically has phone components. I have. However, an important feature is that the device can only operate with a SIM card. The SIM card is preferably protected with a PIN. SIM cards are commonly understood as so-called system identification module cards or subscriber identification module cards. These cards contain the data needed for a cell phone connection, in particular the details that identify the terminal,
Are stored and their data should be entered into the cell phone in order to be able to operate it in the corresponding network. This preferably includes devices according to the GSM standard, but other standards can also be used. The device employs encrypted transmission of data and protection of mobile cell phone access via data stored, for example, in the form of a SIM card, and preferably also uses access control via PIN. Generally, in this application, a mobile cell phone having a SIM card characterized by an identification code indicating the mobile cell phone provides
Such an M-card having the above functions, that is to say having a fixed part built in, in which the details necessary for a mobile cell phone connection, in particular the data identifying the terminal equipment, are stored. A further mobile radio terminal is further understood.

In the simplest case, it is associated with a SIM card, ie SIM
The identification code identifying the card includes the telephone number of the cell phone. However, in other embodiments, other identification codes determined by the telephone user, such as the network operator's identification code, and a unique identification code within the network operator's domain, such as the network operator's savings account number. , Can be used.

In particular, in the first method and the third method, the information is recorded on the SIM card,
Automatically sent identification codes are preferred in each case. Then, the connection confirmation or setting in the third embodiment can only be performed in addition to the connection made to the SIM card. This is firstly that the password alone is very easily misused, secondly that the identification code recorded on the SIM card is automatically called and transmitted, and that the SIM card containing the content Because it is not easily possible to use an identification code without a SIM card, because it is not easy to forge. By using a mobile cell phone with such a SIM card, only the SIM card holder can make a payment confirmation from the bank account associated with that SIM card. Further security relies on the fact that mobile cell phones with a SIM card are usually protected by a PIN stored on the SIM card. It should be included when starting to use.

Since the mobile radio connection cannot be intercepted or can only be done with great difficulty, tampering with the radio connection is somewhat ruled out.

The data to be output can be equally output by voice output or in the form of graphic or text communication. It can be shown on a cell phone display, for example. The comparison device must send the data in an appropriate form to the cell phone for this.

The data, especially the confirmation information, can be entered into the cell phone by voice. To do so, the comparison device must have a speech recognition device or take the form of pressing a key. They are decoded differently. The information can then be obtained using the multi-frequency tone (touch tone) method or via the key of the mobile cell phone.
It can also be entered by the S service.

If the comparison device and the mobile cell phone are adapted for menu control, the display of information and the entry of data can be controlled in particular by menu. For menus presented graphically, it is also preferable to be able to use, for example, WAP (Wireless Application Protocol) and also HTT or XC (but not in this case connected to the Internet).

Also, the confirmation information is combined with another security question, such as a password, PIN's, a security ID card, a biometric test such as a fingerprint test, speech recognition or speaker recognition, or other security devices. It is also possible.

The merchant terminal includes an input device, an output device, and an interface for connection to the comparison device, and is specified by an identification code. A pure data link can be used for the data connection to the comparison device, but any other suitable type of telecommunications connection can be used. Then the interface is designed accordingly. In particular, the merchant terminal can make a mobile cell phone connection, and in the simplest case it can simply be a terminal which is also a mobile cell phone.

Instead of sending the merchant terminal identification code, in a preferred embodiment, the merchant terminal name and location are read from the stored table of comparison devices based on the merchant terminal identification code. Later, it is also possible to send the name and location of the merchant terminal to the cell phone and output it there.

In the first and second methods, the connection of the merchant terminal to the comparison device can be permanent or can only take place before or after inputting the appropriate information. . This step can then be considered as part of a first transmission step from the merchant terminal to the comparison device. In the latter case, the connection between the comparison device and the merchant terminal is broken again after the transmission of the confirmation information. This is considered as part of the transmission step to the merchant device.

If no connection to the cell phone is made in the first or second solution, the transaction is aborted. In this case, it is preferable to send an appropriate code to the merchant terminal. There, a corresponding message is issued.

In a preferred embodiment of the first and second methods, the merchant can also easily send the reason for the transaction or its supplementary information to the comparison device. In particular, when the goods are recognized by the goods reference in cooperation with the goods data bank, for example by means of at least one of the goods number and the corresponding bar code, the merchant sends the data to the comparison device together with the amount to pay this data. Can be sent easily. The data is then provided to the customer. This is not directly possible with methods such as WO / 9847116. It starts with a cell phone.

In a preferred embodiment of the first and second methods and the corresponding system, the cell phone and the merchant terminal allow the identification code to be transmitted by wireless means from one device to another. Has an interface. Instead of entering the identification code, the corresponding identification code can be sent by the interface from one device to another device, at the latest, in another situation, in the step of manually entering the identification code. In the case of the first method, the merchant can send not only his identification code but also other supplementary information about the transaction to the cell phone via this interface, so that the customer has no further input, ie , The merchant identification code, the amount of money, etc. need not be performed.

The interface for wireless data transmission can be in analog form as in the third method. In this case, only the data processing is appropriately changed.

The IR interface in the cell phone is such that the SIM card identification code can be output via the interface by pressing a key on the telephone, and one identification code, optionally together with the SIM card identification code, , And can be sent during connection of an existing telephone by pressing a key. It is also preferred that corresponding memory and call functions are present on the merchant terminal.

In a particularly preferred embodiment of the first method and of a system implementing this method, the identification code of the merchant terminal and other information, in particular the amount, are transmitted from the merchant terminal by a wireless connection, in particular an IR connection, The merchant terminal and the cell phone are configured so that they can be sent to the cell phone and temporarily stored there. In addition, cell phones are configured so that stored data can be accessed and sent while the connection exists. In the third method, only the SIM card identification code needs to be input thereafter.

The comparison device comprises an interface device for the data connection to the merchant terminal and for the mobile radio link, and an identification code and a SIM from the merchant terminal which are authorized for checking the identification code. Separate merchant and subscriber verification devices for verifying the identification code from the card, a transaction memory device for storing open transactions, a connection to an account recording device, all control steps and individual devices And a control device for supervising the control of the vehicle.

The comparison device may provide an identification code identifying it, in the simplest case a telephone number or I
It also has a P address.

The interface device includes a device that mediates and operates for connecting to the corresponding subscriber. Depending on the network employed, the interface can be a simple analog operated modulator / demodulator, but digital networks use other interface devices that operate digitally.

The comparison device comprises a subscriber checking device and a merchant checking device, with the aid of which it is possible to check whether the subscriber or merchant terminal is an authorized card for this method. is there. This may include a subscriber memory device or a merchant memory device in which at least the identification code of the SIM card and the identification code of the merchant terminal device authorized for this service are stored. You. In the simplest case, they can be simple files or databanks that can also store other information associated with the identification code.

In a preferred embodiment, the SIM card identification code and the SIM card identification code and the bank account number for the associated billing device are stored in each case in the subscriber memory device. . If the identification code of the SIM card is not its telephone number, this is also stored with the identification code. Thereafter, the control device sends the account number corresponding to the identification code, not the identification code of the SIM card, to the account recording device based on the information in the subscriber memory device.

Accordingly, the identification code of the merchant terminal device and the account number associated with the identification code for the account recording device can be stored in the merchant memory device. After that, the control device calculates the deposit account identification data corresponding to the identification code, not the identification code of the merchant terminal device, and in Germany, for example, the deposit account number and the bank code number, based on the information in the merchant memory device. , To the account recorder. This applies correspondingly to the subscriber memory device.

In a preferred embodiment, the accounting device can be integrated with the comparison device. This results in a small structure and very fast processing of transaction data with little disruption.

For transaction data, in this method this includes, for example, the amount and the identification of the merchant terminal, as well as the subscriber identification in the second and third methods.

In another preferred embodiment of the first method or a system implementing the method, the open transactions are kept for a certain time. If no confirmation is made within this time, the open transaction is canceled and the merchant terminals involved in this open transaction are informed that the transaction has been abandoned. Therefore, in order to further ensure security, the time rigor of each connection is required.

In another preferred embodiment, the comparator device determines the telephone number of the SIM card of the calling mobile cell phone and uses the cell phone network so that its telephone number is used as the SIM card identification code. And a comparison device. In this case,
In various modified ways, the entry of the identification code of the SIM card in the mobile cell phone can be dispensed with, and instead the telephone number of the SIM card is always determined in the comparator. At the same time, in the first and third methods, this is
Ensure that only the IM card holder can confirm the transaction.

The comparison device is preferably configured to allow manual intervention by an individual operator to handle errors in the method.

Preferably, the merchant terminal and the comparison device are configured to perform some of the variously modified methods.

In order to be able to carry out this method, the configuration described above and the required data or telephony network must also be present.

The method of the invention can be used particularly advantageously for making payments over the Internet. The reason is that there is no need for spatial proximity between the cell phone and the merchant device. Or in this case, the computer used for the Internet connection should be considered part of the merchant device.

Hereinafter, embodiments of the present invention will be described with reference to the drawings.

In FIG. 1, a system according to a first embodiment of the present invention includes a SIM card and an IR card.
It includes a mobile cell phone 2 having an interface, a merchant terminal device 1 having an IR interface, and a comparison device 3. The mobile cell phone identification code can be sent from the phone to the merchant terminal via an IR link between the mobile cell phone and the merchant terminal IR interface.

The comparison device 3 can be connected to the mobile cell phone 2 via a mobile radio link and to the merchant terminal 1 via a data link.

The three devices, the merchant terminal 1, the comparison device 3, and the mobile cell phone 2, or more precisely, the SIM card inside it, have an identification code identifying them. In this embodiment, the identification codes are the telephone numbers of the merchant terminal, the comparison device, and the mobile cell phone. However, for example, an IP address can be used instead of a telephone number.

The mobile cell phone 2 is a known and conventional SIM card for a given telephone network and has to be activated by a PIN input, and a SIM card itself for data exchange. And known IR interfaces. Thus, it is configured so that incoming and stored data can be sent through the IR interface on demand during an existing telephone connection. It is activated to perform this method on the corresponding mobile radio link.

In FIG. 2, the merchant terminal 2 includes an input device 5, for example, a keyboard, an output device 4,
It comprises a display device such as a monitor, an infrared interface 6 configured to allow data exchange with a cell phone, and an interface 8 for a data link. The control device 7 is connected to other devices, processes the input, outputs data to be displayed on the output device 4, and responds to input from the input device 5 or another interface with the IR interface 6 and the data interface. 8 for transmitting and receiving data.

The comparison device 3 of FIG. 3 includes an interface device 9 for connecting data to a merchant terminal device, an interface device 14 for a mobile radio link, and a transaction data memory for temporarily storing transaction data. 10 and
A merchant verification device in the form of a merchant memory device for storing a merchant identification code and a corresponding deposit account number, and a subscriber memory device 12 for storing a subscriber identification code and a corresponding subscriber account number. It includes a subscriber inspection device, a connection to an account recording device 15, and a control device 13 for processing and exchanging data of said device of the comparison device. In the simplest case, this can be a PC or other computer with a suitable telecommunications interface card and corresponding software.

The control devices 7 and 13 of the merchant terminal device and the comparison device are each configured to perform the steps of a payment procedure. The control device takes various forms depending on the method.

The steps of a payment transaction in an embodiment of the first method are as follows.

FIGS. 4 a and 4 b show, in tabular form, an overview of the steps of the method, in which the individual system components of the mobile cell phone 2, the comparison device 3 and the merchant terminal 1 are shown. Are shown up and down in the corresponding columns.

In short, a certain amount and a merchant identification code are sent from the merchant terminal device 1 to the comparison device 3 and are stored there for a while after checking the merchant identification code. The merchant identification code is
Depending on the design of the cell phone, it is read from the mobile cell phone 2 before or after making a connection to the comparison device 3. This can also be done by voice input, the code of which is SI
The identification code of the SIM card is sent to the comparison device together with the identification code of the M card. By comparing the merchant terminal identification code with that in the temporarily stored data, the amount to be sent is determined, sent to the mobile cell phone 2 and output there. After the input of the confirmation information, it is sent to the comparison device 3, which sends the data to the merchant terminal 1 and the data to the account recording device 15, depending on the confirmation information.

The method of this embodiment proceeds step by step as follows.

The first amount to be paid and the identification code for the comparison device 3 are entered into the merchant terminal 1 via the input device 5, so that the identification code for the merchant terminal 1 and its amount are compared as transaction data. This identification code is sent to the device 3 via the data connection interface 8 and the data connection to the connection device 3, and then transmitted to the comparison device 3 having the identification code by the controller 7. Sent as data.

Data is received by the comparison device 3 via an interface 9 for data connection.

After the merchant identification code is compared with the merchant identification code stored in the merchant memory 11 to check that the merchant terminal device is valid for the service, the transaction data is compared by the control device. The device transaction data is written as an open transaction in the memory device 10. Before the data is input to the merchant terminal 1, or at the latest after making a connection to the comparison device 3, the identification code, ie the telephone number of the merchant terminal, is sent to the cell phone 2 via the infrared interface 6. The connection from the mobile cell phone 2 to the comparison device 3 is made, and the identification code stored in the merchant terminal device 1 and the identification code of the cell phone are sent to the comparison device 3. If transmission over the infrared interface temporarily fails,
An identification code can also be entered via the keypad. So this input is
This can be done when using a cell phone without an IR interface.

The merchant identification code sent from the mobile cell phone 2 is compared in the comparison device 3 with the merchant identification code of the open transaction stored in the transaction data memory device 10. If no such transaction is found, the process is terminated; otherwise, the stored transaction
The data is sent via the mobile radio interface to the mobile cell phone and output there. Further, the identification code of the mobile cell phone is compared to the subscriber identification code entered in the subscriber memory 12 to determine if the card is authorized to use the service. If the permission does not exist, the transaction is terminated and the corresponding data is sent to merchant terminal 1.

After requesting and entering confirmation information via the keyboard of the mobile cell phone 2, confirmation data is sent to the comparison device 3. Then, the comparison device sends the confirmation information to the merchant terminal device 1, where the information is output.

The checking for whether the confirmation data corresponds to a rejection is performed by the comparison device 3.
Is performed by the control device 13. In the first case, the transaction is terminated,
In the second case, the transaction is read from the transaction data memory 10 and the identification code of the merchant terminal and the identification code of the mobile cell phone are stored on the basis of the data in the merchant data memory and the data in the transaction data memory. The transaction data, which has been converted to an account number and now has a bank account number, is sent to the account recording device 15. The transaction is erased from the transaction data memory 10.

The comparator 3 periodically checks the time during which an open transaction exists in the transaction data memory 10. If the predetermined time limit for the open transaction is exceeded, the data is sent to the corresponding merchant terminal 1 to indicate that the transaction has been rejected and that the open transaction has been erased from the transaction data memory 10. .

An overview of the course of a payment transaction in an embodiment of the second method is shown in FIG.
a and in table form in FIG. 5b. In this transaction, the sequential method steps in the individual system components of the mobile cell phone, the comparison device and the merchant terminal are described in the corresponding columns from top to bottom.

Essentially, the amount, the identification code of the merchant terminal device 1 and the identification code of the SIM card are read via the IR interface 6 and sent to the comparison device 3. After checking the merchant identification code and the SIM card identification code, it makes a connection to the cell phone 2 based on the SIM card identification code and sends the data. Those data are output from the cell phone 2. After the input of the confirmation information and the transmission to the comparison device 3, the confirmation information is sent to the merchant terminal 1 and the transaction data is sent to the account recording device 15.

The method of this embodiment proceeds as follows in detail.

For the corresponding devices for implementing this method, those schematically shown in FIGS. 1 to 3 apply again, but the control devices 7 and 13 corresponding to the modified method have different modes of operation. .

In the merchant terminal 1, the amount to be paid, the identification code of the control device 3, and the identification code of the mobile cell phone 2 inserted via the infrared interface 6 are read into the merchant terminal. After forming the data link to the comparison device 3, the identification code of the merchant terminal, the identification code of the mobile cell phone, and the amount are transferred to the transaction device.
The data is sent to the comparison device.

The data is received at the comparator via an interface 9 for a data link. To determine whether the merchant and the subscriber are authorized to participate in the service, the identification code of the merchant terminal and the identification code of the SIM card are stored in the merchant memory 11 and the subscriber memory 12. Are compared respectively with the identification codes in. If there is no permission, the corresponding data is sent to the merchant terminal 1 and the transaction is terminated. Otherwise, the data of the open transaction is written to the transaction data memory 10. Based on the identification code of the SIM card, a connection is made from the comparison device to the mobile cell phone 2 and the transaction data is sent to the mobile cell phone, where the data is output via the mobile cell phone. If the connection cannot be made, the transaction is terminated.

Confirmation information is obtained via the mobile cell phone 2, and the entered confirmation data is sent to the comparison device 3.

If the confirmation data corresponds to rejection or there is no response, the comparison device 3 ends the transaction.

The confirmation information and, if desired, another confirmation information are sent to the merchant terminal device 1 and the end is sent as rejection. The reason for termination may be sent as desired. Transmission of the transaction data is performed as in the first method.

An overview of the procedure of the payment transaction in this embodiment of the third method is shown in the form of a table in FIG. 6, and shows the individual system configuration of the mobile cell phone, the comparison device, and the merchant terminal device. Successive method steps in the part are shown up and down in the corresponding columns.

Essentially, the identification code of the merchant terminal device 1 is input to the mobile cell phone 2, the connection to the comparison device 3 is made, the identification code of the merchant terminal device 1 and the identification code of the SIM card, and the movement The amount entered via the cell phone 2 is sent to the comparison device 3. After checking the identification code, it sends at least the amount to the merchant terminal and the corresponding transaction data to the account recorder.

The method of this embodiment proceeds as follows in detail.

Although what is schematically shown in FIGS. 1 to 3 is again applied to a suitable device for implementing this method, the control devices 7 and 13 have different modes of operation corresponding to the modified method. . First, the identification code of the merchant terminal is first sent from the merchant terminal 1 via the IR connection to the cell phone, where it is temporarily stored. Thereafter, a connection is made to the comparison device 3 via the cell phone 2.

The amount to be paid is then read via the cell phone 2 and the identification code of the merchant terminal 1 and the identification code of the SIM card are sent to the comparison device. The comparison device 3 checks whether the merchant terminal device 1 and a card registered for the service of the SIM card rod are
A check is performed based on the merchant memory 11 and the subscriber memory 13. If not registered, the transaction will be terminated and if registered, the account number will be
The identification code of the merchant terminal and the identification code of the mobile cell phone or the SIM card from the merchant memory and the subscriber memory, respectively, are determined and their account numbers and amounts are sent to the account recording device 15.

The confirmed amount is then sent to the merchant terminal 1.

[Brief description of the drawings]

FIG. 1 is a diagram showing a schematic configuration of a system according to an embodiment of the present invention.

FIG. 2 is a diagram showing a schematic configuration of a merchant terminal device of the system of FIG. 1;

FIG. 3 is a diagram illustrating a schematic configuration of a comparison device in FIG. 1;

FIG. 4a shows a very simplified configuration of the method of one embodiment of the first method of the present invention.

FIG. 4b shows a very simplified configuration of the method of one embodiment of the first method of the present invention.

FIG. 5a shows a very simplified configuration of the method of one embodiment of the second method of the present invention.

FIG. 5b shows a very simplified configuration of the method of one embodiment of the second method of the present invention.

FIG. 6 shows a very simplified configuration of the method of one embodiment of the third method of the present invention.

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Claims (22)

[Claims] 1. A method for conducting a cashless payment transaction, comprising the steps of: identifying a merchant terminal (1) characterized by a merchant terminal identification code and a SIM card; Cell phone having a SIM card characterized by an identifying code, a transaction data memory device (10), a merchant checking device for checking the identifying code of a merchant terminal authorized for this method (11), and a subscriber check which checks the SIM card identification code authorized for the method and stores the telephone number associated with the SIM card if the SIM card identification code is not its telephone number. A cashless payment transaction with a comparison device (3) which comprises a device (12) and is connected to an account recording device (15). Reading the amount to be paid and the identification code of the SIM card and the identification code of the mobile cell phone into the merchant terminal; identifying the merchant terminal; the identification code of the mobile cell phone; Sending over a data link to a comparison device having this identification code; using a subscriber verification device to check the authorization of the merchant terminal to the method; Terminating or otherwise writing data as an open transaction to the transaction memory device of the comparison device, making a connection from the mobile cell phone to the comparison device, relating to the identification code of the merchant terminal and the SIM card Sending the identified identification code from the mobile cell phone to the comparison device , Using a subscriber test apparatus, comprising the steps of checking the authorization of the SIM card for the method, when there is no permission to end this process, open from the transaction memory
Clear the transaction and send the corresponding data to the merchant terminal, and if permission exists, the merchant terminal identification code sent from the mobile cell phone with the identification code of the open transaction stored in the transaction memory device. Comparing, failing to find the transaction, terminating the process; if finding the process, sending the transaction data to the mobile cell phone; outputting the data through the mobile cell phone; Requesting acknowledgment information through the transaction and ending the transaction if the acknowledgment data corresponds to the rejection and clearing the transaction from the transaction memory; Sends the identification code of the mobile cell phone to the account printing device, a method for performing the steps of clearing the transaction from the transaction memory, a cashless payment transaction with a. 2. The method according to claim 1, wherein the merchant terminal (1) and the cell phone (2) have an interface (6) for wireless transmission of data from the merchant terminal to the cell phone. The identification code of the merchant terminal is sent to the mobile cell phone via their interface for wireless transmission before the mobile phone connection to the comparison device (3) is made;
The manner in which the stored identification code can be sent while a connection to the comparison device exists. 3. A method for performing a cashless payment transaction, said method being associated with a merchant terminal (1) characterized by a merchant terminal identification code, a SIM card and the SIM card. Mobile cell phone (2) having an identifying code, a transaction data memory device (10), a merchant checking device (11) for checking the identifying code of a merchant terminal authorized for the method, and the method A method for performing a cashless payment transaction with a comparison device (3) connected to a billing device (15), comprising a subscriber verification device (12) for checking the identification code of a SIM card authorized for the transaction. Reading the amount to be paid into the merchant terminal; and identifying the merchant terminal identification code and at least the amount. Sending over a data link to a comparison device having an identification code; checking the merchant terminal's authorization for the method using a merchant inspection device; terminating the method if not authorized, otherwise. Writing the data as an open transaction into the transaction memory device of the comparison device; making a connection from the mobile cell phone to the comparison device; and an identification code associated with the merchant terminal and the SIM card. From the mobile cell phone to the comparison device, using the subscriber verification device to check the entry to the merchant verification device and the authorization of the merchant terminal to the method, and to verify the SIM card authorization to the method If you do not have permission, terminate this method; otherwise, open data Writing to the transaction memory device as an option, if the identification code of the SIM card is not a telephone number, reading out the telephone number from the subscriber inspection device based on the identification code; Connecting the transaction data to the mobile cell phone, outputting the data by the mobile cell phone, requesting confirmation information via the mobile cell phone, and transmitting the confirmation data to the comparison device. Sending, ending the transaction if the acknowledgment data corresponds to a rejection, sending another transaction data to the merchant terminal by acknowledgment and selection; transferring the transaction data from the transaction memory; Cell phone identification code and account recording device Sending and clearing the transaction from the transaction memory. 4. Method according to claim 3, wherein the mobile cell phone (3) and the merchant terminal (1).
Has an interface for wireless transmission of data, and at the beginning of the method, SI
The identification code associated with the M card is sent from the mobile cell phone (3) via their interface to the merchant terminal (1) and can be used in the merchant terminal (1) in subsequent steps. How to be stored there. 5. A method according to any of the preceding claims, wherein the transaction is aborted if confirmation information is not provided within a predetermined time after sending information from the merchant terminal to the comparison device. . 6. A method for performing a cashless payment transaction, said method characterized by a merchant terminal identification code and having an interface for a wireless data connection (1); SIM card and its SI
Mobile cell phone (2) having an interface corresponding to the interface for the identification code associated with the M card as well as the identification code of the merchant terminal, and a transaction data memory device (10), authorized for this method A merchant checking device (11) for checking the identification code of the obtained merchant terminal device, and a subscriber checking device (12) for checking the identification code of the SIM card authorized for this method, and the account recording device (15). A) performing a cashless payment transaction with a comparison device (3) connected to a merchant terminal (1) and a cell phone (2) via an interface for a wireless data connection. Sending the merchant identification code to the cell phone; connecting the cell phone to the comparison device; Examining the merchant terminal's authorization for this method using a merchant inspection device, terminating the method if not authorized, the amount to be paid, the merchant terminal identification code, Reading the identification codes and sending them to a comparison device; using a merchant checking device to check the authorization of the merchant terminal for this method; terminating the method if not authorized, otherwise. An identification code of the merchant terminal;
A method for performing a cashless payment transaction, comprising: sending a mobile cell phone identification code and an amount to an account recording device; and transferring the confirmed amount to a merchant terminal. 7. The method according to claim 6, wherein further data of the transaction, as well as the merchant identification code, are sent in the first step. 8. The method according to claim 6, wherein an identification code associated with the SIM card is also sent in the first step. 9. The method according to any of the preceding claims, wherein the wireless interface is an infrared interface. 10. The method according to any of the preceding claims, wherein the wireless interface is a microwave interface. 11. The method according to any of the preceding claims, wherein another supplementary transaction data is sent from the merchant terminal to the comparison device or the mobile cell phone. 12. The method according to claim 1, wherein if one of the required connections cannot be made, the transaction is terminated and, if required, the transaction of the comparison device (3). A method in which the corresponding open transaction stored in the memory (19) is cleared. 13. A method according to any of the preceding claims, wherein the identification code is replaced by corresponding data identifying the savings account before being transmitted to the account recording device (15). 14. A method according to any of the preceding claims, wherein if a connection to the merchant terminal (1) or the mobile cell phone 2 cannot be made, at least one connection is made for this connection.
A method in which two separate attempts are made and the process is terminated only afterwards. 15. A method as claimed in any of the preceding claims, wherein if one of the connections cannot be made, the merchant terminal (1) or the mobile cell phone (1) before the procedure is terminated. )
The method by which communication is made to 16. The method according to any of the preceding claims, wherein the identification code associated with the SIM card is an identification code recorded on the SIM card, which identifies the card, The transmission of the identification code associated with the card is performed by the mobile cell phone (2
) And a method which occurs automatically in the data transmission between the comparison device (3). 17. The method according to any of the preceding claims, wherein the identification code associated with the SIM card is its telephone number. 18. A system for implementing the method according to claim 1, comprising a merchant terminal (1) characterized by a merchant terminal identification code, a SIM card and an identification code characterizing the SIM card. A mobile cell phone (2), a transaction data memory device (10), a merchant checking device (11) for checking the identification code of a merchant terminal authorized for this method, and a merchant checking device authorized for this method. A subscriber checking device (12) for checking the identification code of the SIM card, and a comparing device (3) connected to an account recording device (15). Device and an output device (4,5) and a device (8) for making a data connection to the mobile cell phone (2), the comparison device (3) being an interface for data connection to the merchant terminal. Interface device (9), an interface device (14) for mobile cell phone connection, and a control device (13), the control device performing the connection and transmitting the transaction data from the merchant terminal device. later,
The merchant terminal (11) is used to check the authorization of the merchant terminal for this method, and if not, the method is terminated, but if there is permission, the transaction data sent is replaced by the transaction data. Once in the memory device (10), the connection from the mobile cell phone (2) has been made and the SIM card identification code has been received, the SIM card authorization for this method is carried out using the subscriber verification device (12). Inspect and, if not authorized, terminate the method, but if authorized, compare its identification code to an entry in the transaction data memory device and if a transaction with the same SIM card identification code is found, it is located. transaction·
Sending data to the mobile cell phone via the interface device for mobile cell phone connection and sending a request for confirmation thereto, receiving confirmation data via the interface device for mobile cell phone connection, 2. The method of claim 1, further comprising: interpreting as accepting or rejecting, sending confirmation information to the merchant terminal via the interface device, sending transaction data in the case of accepting, and sending the identification code of the mobile cell phone to the billing device. A system that implements the method. 19. A system for implementing the method according to claim 3, comprising a merchant terminal (1) characterized by a merchant terminal identification code, a SIM card and an identification code characterizing the SIM card. A mobile cell phone (2), a transaction data memory device (10), a merchant checking device (11) for checking the identification code of a merchant terminal authorized for this method, and a merchant checking device authorized for this method. A subscriber checking device (12) for checking the identification code of the SIM card and storing the telephone number if the identification code is not a telephone number;
And a comparison device (3) connected to (15), wherein the merchant terminal device (1) includes an input device and an output device (4, 5), and a comparison device (3).
), The comparison device (3) comprises an interface device (9) for data connection to the merchant terminal, and an interface device (14) for mobile cell phone connection. , A control unit (13), which, after making the connection and the transmission of the transaction data from the merchant terminal, uses the merchant inspection unit for the merchant terminal for this method. Check the authorization and use the subscriber verification device to check the authorization of the SIM card for this method, and if not, terminate the method, but if so, send the transmitted transaction data. Into the transaction data memory device (10), and the in-line for the mobile cell phone connection corresponding to the identification code for the mobile cell phone included in the transaction data. Make a connection through the interface device, send the transaction data to the mobile cell phone, send a confirmation request thereto, receive the confirmation data through the interface device for the mobile cell phone connection, and accept or reject it. 4. A system for implementing the method of claim 3 wherein interpreting and sending confirmation information to the merchant terminal via the interface device and accepting the transaction data and the identification of the mobile cell phone to the account recording device, if accepted. 20. A system for implementing the method according to claim 6, characterized by a merchant terminal (1) characterized by a merchant terminal identification code and having an interface for wireless data transmission; A mobile cell phone (2) having an identification code characterizing the SIM card and an interface corresponding to the interface for wireless data transmission of the merchant terminal; a transaction data memory device (10); A merchant checking device (11) for checking an identification code of a merchant terminal device authorized for the method, and a subscriber checking device (12) for checking an identification code of a SIM card authorized for the method. A comparison device (3) connected to the device (15), the merchant terminal (1) comprising an input device and an output device. Device (4, 5) and a device (8) for making a data connection to a comparison device, wherein the comparison device (3) is an interface device (9) for data connection to a merchant terminal device, An interface device (14) for connection and a control device (13) are provided, and when the connection from the mobile cell phone (2) is made, the control device identifies the identification code of the mobile cell phone, the amount to be paid, and the like. Receiving the identification code of the merchant terminal, checking the authorization of the merchant terminal for the method using the merchant checking device, and using the subscriber checking device (12) to check the SIM card for the method. Check the authorization and if not, terminate the method, but if authorized, send the amount to the merchant terminal via the interface and, with the amount, the identification code of the mobile cell phone,
7. A system for performing the method of claim 6, wherein the identification code of the merchant terminal is sent to an account recorder and the corresponding transaction is cleared from a transaction data memory. 21. The system according to claim 18, wherein the comparison device is a control device.
Comprises a subscriber inspection device (12), which includes an identification code for each mobile cell phone, a deposit account number associated with the identification code for the mobile cell phone in an account recording device. And the control device sends the account number corresponding to the identification code to the account recording device based on the information in the subscriber inspection device instead of the identification code of the mobile cell phone. 22. A system according to claim 18, wherein the comparison device (3).
Comprises a merchant inspection device (11), which stores an identification code of each merchant terminal device and a deposit account number associated with the merchant identification code in an account recording device; A system in which the control device sends a deposit account number corresponding to the identification code to the account recording device based on information in the merchant / memory device, not on the identification code of the merchant terminal device.