ME01248B - 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
ME01248B
ME01248B MEP-2001-548A MEP2001548A ME01248B ME 01248 B ME01248 B ME 01248B ME P2001548 A MEP2001548 A ME P2001548A ME 01248 B ME01248 B ME 01248B
Authority
ME
Montenegro
Prior art keywords
comparison device
transfers
identification code
station
merchant station
Prior art date
Application number
MEP-2001-548A
Other languages
German (de)
French (fr)
Unknown language (me)
Inventor
Mathias Entenmann
Original Assignee
Mobilkom Austria Ag & Co Kg
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 Mobilkom Austria Ag & Co Kg filed Critical Mobilkom Austria Ag & Co Kg
Publication of ME01248B publication Critical patent/ME01248B/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)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)
  • Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)
  • Telephone Function (AREA)
  • Devices For Checking Fares Or Tickets At Control Points (AREA)

Abstract

Cilj je prikazanog pronalaska da se obezbedi postupak za jednostavno ali bezbedno bezgotovinsko plaćanje, posebno na različitim lokacijama, kao i sistem za uvođenje postupka. U postupku prema pronalasku neka svota novca se učita na stanici trgovca i prenosi u uređaj za poređenje zajedno sa identifikacionim kodom stanice trgovca, pri čemu se podaci u međuvremenu pohranjuju u uređaju za poređenje. Kupac šalje identifikacioni kod stanice trgovca preko mobilnog telefona do uređaja za poređenje koji poredi identifikacioni kod sa onim iz pohranjenih podataka i prenosi odgovarajuću svotu novca do mobilnog telefona. Tu se zahteva odobrenje za isplatu i prenosi do uređaja za poređenje koji prenosi odgovarajući podatak o računu u računovodstveni uređaj. Sistem za uvođenje postupka obuhvata mobilni telefon koji radi u mreži mobilne telefonije, stanicu trgovca i uređaj za poređenje koji se može povezati sa mobilnim telefonom i stanicom trgovca preko telekomunikacionih veza i/ili veza za prenošenje podataka. Cilj je prikazanog pronalaska da se obezbedi postupak za jednostavno ali bezbedno bezgotovinsko plaćanje, posebno na različitim lokacijama, kao i sistem za uvođenje postupka. U postupku prema pronalasku neka svota novca se učita na stanici trgovca i prenosi u uređaj za poređenje zajedno sa identifikacionim kodom stanice trgovca, pri čemu se podaci u međuvremenu pohranjuju u uređaju za poređenje. Kupac šalje identifikacioni kod stanice trgovca preko mobilnog telefona do uređaja za poređenje koji poredi identifikacioni kod sa onim iz pohranjenih podataka i prenosi odgovarajuću svotu novca do mobilnog telefona. Tu se zahteva odobrenje za isplatu i prenosi do uređaja za poređenje koji prenosi odgovarajući podatak o računu u računovodstveni uređaj. Sistem za uvođenje postupka obuhvata mobilni telefon koji radi u mreži mobilne telefonije, stanicu trgovca i uređaj za poređenje koji se može povezati sa mobilnim telefonom i stanicom trgovca preko telekomunikacionih veza i/ili veza za prenošenje podataka.The object of the present invention is to provide a procedure for simple but secure cashless payment, especially at various locations, as well as a system for initiating the procedure. In the process of the invention, a sum of money is loaded on the merchant station and transferred to the comparison device together with the identification code of the trader station, the data being stored in the comparison device in the meantime. The buyer sends the merchant station identification code via a mobile phone to a comparison device that compares the identification code with that of the stored data and transfers the corresponding amount of money to the mobile phone. It requires payment authorization and transfers to a comparison device that transfers the relevant account information to the accounting device. The process introduction system comprises a mobile telephone operating in a mobile telephony network, a merchant station, and a comparison device that can be connected to a mobile telephone and merchant station via telecommunication and / or data transmission links. The object of the present invention is to provide a procedure for simple but secure cashless payment, especially at various locations, as well as a system for initiating the procedure. In the process of the invention, a sum of money is loaded on the merchant station and transferred to the comparison device together with the identification code of the trader station, the data being stored in the comparison device in the meantime. The buyer sends the merchant station identification code via a mobile phone to a comparison device that compares the identification code with that of the stored data and transfers the corresponding amount of money to the mobile phone. It requires payment authorization and transfers to a comparison device that transfers the relevant account information to the accounting device. The process introduction system comprises a mobile telephone operating in a mobile telephony network, a merchant station, and a comparison device that can be connected to a mobile telephone and merchant station via telecommunication and / or data transmission links.

MEP-2001-548A 1999-02-02 2000-02-01 Method of effecting cashless payments and a system for implementing the method ME01248B (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 (1)

Publication Number Publication Date
ME01248B true ME01248B (en) 2007-08-03

Family

ID=7895963

Family Applications (1)

Application Number Title Priority Date Filing Date
MEP-2001-548A ME01248B (en) 1999-02-02 2000-02-01 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
CN1204535C (en) 2005-06-01
WO2000046768A1 (en) 2000-08-10
KR20010108166A (en) 2001-12-07
CZ20012663A3 (en) 2002-02-13
CA2361489A1 (en) 2000-08-10
CZ301247B6 (en) 2009-12-16
JP2002541535A (en) 2002-12-03
HRP20010568A2 (en) 2002-08-31
NO20013777L (en) 2001-09-27
RU2242795C2 (en) 2004-12-20
EP1149367A1 (en) 2001-10-31
HRP20010568B1 (en) 2011-10-31
HU227291B1 (en) 2011-02-28
AU2800400A (en) 2000-08-25
CN1339146A (en) 2002-03-06
IL144571A0 (en) 2002-05-23
DE19903822C2 (en) 2001-09-20
NO20013777D0 (en) 2001-08-01
YU54801A (en) 2003-01-31
TR200102216T2 (en) 2002-01-21
ZA200105872B (en) 2002-09-10
HUP0105475A2 (en) 2002-04-29
RS49614B (en) 2007-08-03
DE19903822A1 (en) 2000-08-10
MXPA01007779A (en) 2003-07-14
BR0007964A (en) 2001-11-06

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