NO20013777L - Procedure for carrying out non-cash payment and system for carrying out the procedure - Google Patents

Procedure for carrying out non-cash payment and system for carrying out the procedure

Info

Publication number
NO20013777L
NO20013777L NO20013777A NO20013777A NO20013777L NO 20013777 L NO20013777 L NO 20013777L NO 20013777 A NO20013777 A NO 20013777A NO 20013777 A NO20013777 A NO 20013777A NO 20013777 L NO20013777 L NO 20013777L
Authority
NO
Norway
Prior art keywords
carrying
procedure
dispatch station
sends
identification mark
Prior art date
Application number
NO20013777A
Other languages
Norwegian (no)
Other versions
NO20013777D0 (en
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 NO20013777D0 publication Critical patent/NO20013777D0/en
Publication of NO20013777L publication Critical patent/NO20013777L/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)
  • Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)
  • Devices For Checking Fares Or Tickets At Control Points (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)
  • Telephone Function (AREA)

Abstract

Det er oppgaven til den foreliggende oppfinnelsen å stille til rådighet en fremgangsmåte for enkel men sikker betaling uten kontanter, spesielt på forskjellige steder, og et system for gjennomføringen av frem- gangsmåten. For en fremgangsmåte som angår opp- finnelsen blir det på en ekspedisjonsstasjon lest inn et pengebeløp og sammen med et identifikasjonsmerke for ekspedisjonsstasjonen overført til en avregnings- innretning, hvor dataene blir mellomlagret. Over en mobiltelefon sender betaleren identifikasjonsmerket for ekspedisjonsstasjonen til avregningsinnretningen som sammenligner identifikasjonsmerket med det på de lagrede dataene og oversender det tilsvarende pengebeløpet til mobiltelefonen. Der blir en bekref- telse for betalingen avkrevet og oversendt til avreg- ningsinnretningen som oversender en tilsvarende bok- førsel til en kontoførende innretning. Systemet for å utføre fremgangsmåten omfatter en mobiltelefon som drives i et mobiltelefonnett, en ekspedisjonsstasjon og en avregningsinnretning som kan forbindes med mobiltelefonen og ekspedisjonsstasjonen gjennom telekommunikasjons- og/eller dataforbindelser.It is the object of the present invention to provide a method for simple but secure payment without cash, especially in various locations, and a system for carrying out the procedure. For a method relating to the invention, a cash amount is read at a dispatch station and, together with an identification mark for the dispatch station, is transferred to a settlement device, where the data is stored in between. Over a mobile phone, the payer sends the identification mark for the dispatching station to the settlement device which compares the identification mark with that on the stored data and sends the corresponding amount of money to the mobile phone. There, a confirmation of payment is written off and sent to the settlement facility which sends a corresponding book entry to an account holding facility. The system for carrying out the method comprises a mobile telephone operated in a mobile telephone network, an dispatch station and a billing device which can be connected to the mobile telephone and the dispatch station through telecommunication and / or data connections.

NO20013777A 1999-02-02 2001-08-01 Procedure for carrying out non-cash payment and system for carrying out the procedure NO20013777L (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
NO20013777D0 NO20013777D0 (en) 2001-08-01
NO20013777L true NO20013777L (en) 2001-09-27

Family

ID=7895963

Family Applications (1)

Application Number Title Priority Date Filing Date
NO20013777A NO20013777L (en) 1999-02-02 2001-08-01 Procedure for carrying out non-cash payment and system for carrying out the procedure

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

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