RU2242795C2 - Method for cashless settlements and system for realization thereof - Google Patents

Method for cashless settlements and system for realization thereof Download PDF

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Publication number
RU2242795C2
RU2242795C2 RU2001124358/09A RU2001124358A RU2242795C2 RU 2242795 C2 RU2242795 C2 RU 2242795C2 RU 2001124358/09 A RU2001124358/09 A RU 2001124358/09A RU 2001124358 A RU2001124358 A RU 2001124358A RU 2242795 C2 RU2242795 C2 RU 2242795C2
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Russia
Prior art keywords
seller
identification code
device
station
data
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RU2001124358/09A
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Russian (ru)
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RU2001124358A (en
Inventor
Матиас ЭНТЕНМАНН (DE)
Матиас ЭНТЕНМАНН
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Пейбокс. Нет Аг
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Priority to DE1999103822 priority Critical patent/DE19903822C2/en
Priority to DE19903822.8 priority
Application filed by Пейбокс. Нет Аг filed Critical Пейбокс. Нет Аг
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    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/04Payment circuits
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/20Point-of-sale [POS] network systems
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
    • G06Q20/322Aspects of commerce using mobile devices [M-devices]
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
    • G06Q20/322Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3223Realising banking transactions through M-devices
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
    • G06Q20/322Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3229Use of the SIM of a M-device as secure element
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
    • G06Q20/327Short range or proximity payments by means of M-devices
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/42Confirmation, e.g. check or permission by the legal debtor of payment
    • G06Q20/425Confirmation, e.g. check or permission by the legal debtor of payment using two different networks, one for transaction and one for security confirmation

Abstract

FIELD: computers.
SUBSTANCE: method includes recording money sum to seller station and together with identification code of seller station is sent to device for evaluating balance, where data are temporarily stored. Payer via mobile phone transmits identification code of station of seller station to balance input device, which compares identification code to stored data and sends appropriate money sum to mobile phone, where confirmation of payment is requested, which than sends appropriate record to bookkeeping device. System realizes said method.
EFFECT: higher reliability.
4 cl, 8 dwg

Description

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

In recent years, the volume of cashless payments has increased significantly for a number of reasons; including due to the fact that buyers do not always need to have large amounts of money with them to make large purchases, which, on the one hand, reduces the risk of theft, and on the other hand, helps to make unplanned purchases. As for the sellers, they exclude the need for handling large amounts of money.

The simplest means of payment of this kind, which is a check, is not completely reliable, since checks can be easily stolen and, for example, by forging signatures can be used in an unauthorized way. In addition, their use for buyers and sellers is very troublesome.

Including for these reasons, credit cards were introduced in the past, when using which the cardholder can make payments using a valid credit card and in conjunction with his signature or often only using a credit card number. And in this case, the risk of illegal actions is great, since effective protection mechanisms are not provided. Along with the signature, the seller often requests an authentication center, in which he can verify whether the card is blocked or not.

Due to the high fees and the fact that a credit should always be granted to a credit card holder, smart cards (smart cards or chip cards), which are also called payment cards, have been developed as an alternative. These chip cards use coding (encryption) technology to be able to store money on the card so that the card can be downloaded only by authorized bodies. To pay for large amounts, the use of a PIN code is provided, which, when paying, is verified directly from the chip card. This type of payment requires quite significant costs, since a network of loading stations should be created. In addition, sellers should establish appropriate reading stations.

Patent Application WO 98/47116 describes a method for making payments from a customer to a seller through telecommunication devices, as well as a corresponding device for implementing the method. In accordance with this method, the client first establishes a mobile radio connection with a so-called remote payment device via a radiotelephone. This device asks him through an established connection, the identity of the seller and the amount of payment. The remote payment device saves these transaction data and transmits to the client and, after establishing the appropriate communication connection and transmitting the corresponding transaction code and the amount for confirmation, the confirmation request to the seller. After receiving the confirmation, the indicated amount is transferred from the bank determined by means of the client’s order in the database of the remote payment device to the bank determined by the seller’s order, or a transfer request is sent to the first bank. At the same time, to ensure the reliability of the transaction, the geographic location of the mobile radiotelephone is determined either by determining the radio cell in which the telephone is located, or by means of the GPS (Global Positioning System) system and compared with the list of permitted locations. This method, on the one hand, is technically time-consuming taking into account the location, and on the other hand, the client must enter a large amount of information via a radiotelephone, which, due to the very small size of the buttons and displays of mobile phones, is a very time-consuming error-prone procedure. In this case, it is impossible to simply enter additional data about the transaction, for example, about the purpose of the payment, etc.

Therefore, the object of the present invention is to provide a method for implementing a simple but reliable non-cash payment, in particular at various locations, and a system for implementing the method. For customers, the transaction is initiated by simple confirmation, for example, by entering a PIN code, without the need to enter a large amount of information or other stages of the service procedures. In addition, both on the seller’s side and on the client’s side, new infrastructure (hardware and software) is minimally required, and in the most favorable case, currently available terminal devices (terminals) will be sufficient to pay for purchases in the place sales.

The problem is solved by a method, the features of which are set forth in paragraph 1 of the claims and which can be implemented by the system with the features set forth in paragraph 18 of the claims.

In contrast to the use of credit cards, the use of data exchanged via the established connection is not possible for subsequent transactions due to the required time-limited connection of the mobile phone and the confirmation input during this time for the seller.

In addition, due to the use of a balance-raising device, it is possible to make a payment in such a way that it does not require transmitting transaction security data from the buyer, for example, an identification code, to the seller. Thus, the method allows for anonymous payments.

In addition, customers who have a mobile radiotelephone with a SIM card can easily and simply implement the method. A particular advantage of the method is that mobile radiotelephones with SIM cards have already become widespread, so that a large circle of users can make payments in accordance with the claimed method without additional investment and without the need to remember PIN codes.

The seller’s station is also technically very simple, since in the simplest case an electronic cash register with online payment capabilities on the seller’s side is sufficient to implement the method. Also, a computer with a modem and related software can serve as a seller’s station. Also, a second mobile radiotelephone can be used as a simple seller station. Thus, you can realize simple and reliable cashless payments.

In addition, there is often a spatial proximity between the seller’s station and the mobile radiotelephone, however this is not necessary.

In addition, the client is no longer required to enter the amount payable itself. The method according to the invention has this advantage in contrast to the method known from WO 98/47116, since currently, as a rule, prices for goods in a cash register are determined automatically from a price label or using bar codes read from cash register reader, or other symbols, so that you can avoid re-determining the purchase price.

The objective of the invention, in addition, is solved by a method and system for its implementation with the features set forth in paragraphs 3 and 19 of the claims.

Up to the advantage of anonymous payment, the second variant of the method discovers the same advantages as in the first variant of the method; In addition, in this case, there is the advantage that the data entries for the owner of the mobile radiotelephone are minimal, since it is called.

However, for this, other than in the first embodiment of the method, the identification code assigned to the SIM card is sent to the seller.

The objective of the invention, in addition, is solved by a method and system for its implementation with the features set forth in paragraphs 6 and 20, respectively.

The concept of “interface for wireless data transmission” covers, as elsewhere in this application, the corresponding data processing devices, i.e. reading from memory, transmission and, accordingly, receiving and writing to memory. In this case, there must be software specially adapted for the merchant station and, accordingly, for the mobile radiotelephone. Wireless transmission can be carried out through various transmission media, for example, optical radiation in the infrared or visible range, microwave, radio wave, as well as ultrasonic ranges. When using the microwave and, accordingly, the radio wave ranges as the interface, it is preferable to use an interface of the type "BLUETOOTH". In this case, practically non-directional transmission is possible, which does not require direct visibility between the client’s mobile phone and the seller’s station. When using optical radiation as an interface, it is preferable to use interfaces such as IrDA or Air, in which case transmission is carried out using infrared radiation in a limited range of spatial angles in a directional manner in accordance with a certain protocol, which, on the one hand, reduces interference, and on the other , reduces the likelihood of unauthorized manipulation.

Along with the advantages of the first method, an additional advantage of this method is that the seller does not need to find out any data from the buyer, but at the same time the buyer does not need to enter the seller’s data himself.

In both the first and second variants of the method, at the first stage, it is necessary to read the identification code of the balance balancing device. The identification code of the balance adjustment device can, however, also be remembered, so if only some balance adjustment device becomes necessary, then a connection will be automatically established with it based on the stored identification code, or if there are several balance adjustment devices, then anyway saved should be selected one.

Preferred embodiments of the method and system for implementing the method are described in dependent paragraphs 2, 4, 5, 7-17, 21 and 22.

In this application, a radiotelephone also means combinations of a radiotelephone with other electronic devices, such as electronic notebooks and, accordingly, ordinary terminal devices in a mobile radio communication network, of which the telephone is a component. An essential feature is that only devices using a SIM card, which is preferably protected by a PIN code, can be used. In general, SIM-cards are understood as system cards or cards of a subscriber identity module, on which the data necessary for connecting a radiotelephone is stored, in particular, identifying the connection, and which must be entered into a radiotelephone in order to enable the telephone to work in the corresponding network. Preferably, this refers to devices of the GSM standard (Global Mobile Network), but other standards are also applicable that apply encrypted data transmission and access protection of a mobile phone by means of data stored in a mobile radiotelephone, for example, in the form of a SIM card, preferably with the additional use of access control via a PIN code. In general, in this application, a mobile radiotelephone with a SIM card, which differs due to its identification code identifying it, also means mobile radio communication devices that have permanently built-in components with the above-mentioned SIM card function, i.e. which stores the data necessary to connect the phone, in particular, also identifying the connection.

In the case of an identification code associated with a SIM card or an identification code identifying it, we are talking in the simplest case of the telephone number of a radiotelephone. In another embodiment, instead of the telephone number, another identification set by the telephone user can be used, for example, the identification code of the network provider and an identification code uniquely defined in the coverage area of the network provider, for example, the account number of the network provider.

In a preferred manner, in the first and third embodiments of the method, in each case, the identification data that is stored on the SIM card is automatically transmitted. Confirmations or, in the case of the third variant of the method, the connection can be realized only through the connection established with this SIM card, which significantly increases security, since, on the one hand, only one password can be very easily used in an unauthorized way, and on the other On the other hand, by automatically polling and transmitting the identification code stored on the SIM card, using the identification code separately from the SIM card is practically impossible, and the SIM card with its contents is not the forge. Due to the use of a mobile radiotelephone with such a SIM card, only the owner of the SIM card can confirm the payment from the account associated with the SIM card. Security is additionally ensured by the fact that a mobile radiotelephone with a SIM card is, as a rule, protected by means of a PIN code stored on the SIM card, which is entered during commissioning.

Since the mobile radio connection is essentially impossible to interrupt or it can be done with very great difficulties, manipulation of the established radio connection is practically eliminated.

The output data can be presented both in the form of speech signals, and in the form of graphic or text messages, which can, for example, be displayed on the display of a radiotelephone. To do this, the balance balancing device must transmit data in the appropriate form to the radiotelephone.

Data, especially confirmation information, can be entered into the radiotelephone by voice, while the balance balancing device in this case must have a speech recognition device; or in the form of button presses that are otherwise decoded. Thus, information can be entered using key tone dialing or entered via the short message service using the buttons of a mobile radiotelephone.

The information display and data entry can take place, in particular, via menu control, if the balance balancing device and the mobile radiotelephone are adapted for this. The preferred way for each graphically designed menu can be applied, for example, the WAP protocol (protocol of wireless applications) or also the protocol NTT or XC (and this does not lead to the establishment of a connection to the Internet).

Additionally, verification information can be linked to additional requests to ensure security, for example, passwords, PINs, a secure identification card, biometric checks, such as fingerprints, speech recognition, or other security features.

The merchant station has a device for inputting and outputting data, as well as an interface device for connecting to a balance-feeding device and is identified by an identification code. In the case of data connections with balance devices, we can talk about connections exclusively for data transfer, as well as any other suitable types of telecommunications connections; however, the interfaces must be configured accordingly. In particular, in the case of the seller’s station, it can be a station that can establish a mobile radio connection, in the simplest case it can be just a mobile radiotelephone.

Instead of the identification code of the seller’s station in the preferred embodiment, after reading the name and location of the seller’s station using the identification code of the seller’s station from the table stored in the balance tab, the name and location of the seller’s station can be transferred to the radiotelephone and sent there.

In the case of the first and second variants of the method, the connection of the seller’s station with the balance balancing device can exist for a long time, or it is set before or only after entering the relevant information. This stage is then considered as part of the first stage of the transfer from the seller’s station to the balance balancing device. In the latter case, after the confirmation information is transmitted, the connection between the balance-feeding device and the seller’s station is again interrupted, which is considered as part of the transfer phase to the seller’s device.

If the connection to the radiotelephone is not established in the first or second solution, the transaction is aborted. Preferably, in this case, the corresponding code is transmitted to the seller’s station, where the corresponding message is issued.

In a preferred embodiment of the first or second variant of the method, the seller can jointly transmit the reason for the transaction or additional information to the balance sheet. In particular, if the product is determined by describing the product in conjunction with the product database, for example, product numbers and / or corresponding barcodes, the seller can very easily transfer this data, together with the amount payable, to the balance balancing device, which transfers the received data further to to the customer. This would not be easy to implement using a method similar to that described in WO 98/47116, which is based on the use of a mobile radiotelephone.

In a preferred embodiment of the first and second variants of the methods, the radiotelephone and the seller station have interfaces through which identification data is transmitted from one device to another wirelessly. Instead of entering identification codes, you can then, at the latest at the stage when otherwise you would enter the identification code manually, transmit the corresponding identification code from one device to another through the interface. In the case of the first variant of the method, the seller can via this interface transmit not only his seller’s identification code, but also other additional transaction data to the mobile radiotelephone, so that the client is not required to make any additional data input, such as the seller’s identification code, payment amount etc.

Interfaces for wireless data transmission can be performed analog, as in the third variant of the method, and only the data processing is modified accordingly.

In this case, the infrared interface in the radiotelephone is designed in such a way that the SIM card identification data is issued via the interface by pressing a button on the telephone, and / or the identification code is read through the infrared interface, saved and when the telephone connection is established, when the button is pressed, together with a SIM card identification code, can be transmitted over a telephone connection. The corresponding storage and calling functions are preferably also available at the seller's station.

In a particularly preferred embodiment of the third embodiment of the method and the corresponding system, the seller’s station and the radiotelephone are configured such that, from the seller’s station, the seller’s station identification code and additional information, in particular the amount of money, are transmitted wirelessly, especially via infrared, to the radiotelephone and there may be temporarily stored. In addition, the radiotelephone is designed in such a way that, when the connection is established, the accumulated data can be called up and transmitted. Then, in the third variant of the method, it is only necessary to enter the identification code of the SIM card.

The balance balancing device contains interface devices for transmitting data to sellers stations and similar interface devices for mobile radio communications, as well as additional devices for checking sellers and users to verify the identification codes of sellers stations responsible for this service, and SIM-cards, a transaction saving device for saving open transactions, connecting to an account management device, as well as a control device that takes care of all the processing and management stages separate devices.

The balancing device also has its own identification code, in the simplest case a telephone number or IP address.

In the case of interface devices, we are talking about devices through which a connection is established with the corresponding user and the established connection can be used. Depending on the network used, in the simplest case we can talk about simple, modulators / demodulators working in an analogous way; in the case of digital networks, other digitally operating interface devices are used.

The balance balancing device has a device for verifying users and sellers, with which you can check whether it is permissible for the user or station of the seller to use the method. In this case, we can talk about storage devices (memory) of user data or sellers data, respectively, in which at least the identification codes of the SIM cards and sellers stations approved for this service are stored. In the simplest case, we can talk about simple files or databases in which other information related to identification codes can be stored.

In a preferred embodiment, identification codes of the SIM card and the corresponding account number in the account management device are stored in the user data memory. If the identification number of the SIM card is not its telephone number, the latter is also saved with the identification code. The control device then transmits to the account management device not the SIM card identification code, but the account number corresponding to the identification code based on the information in the user data memory.

Accordingly, the identification code of the seller station and the associated account number in the account management device can be stored in the user data memory. The control device then transfers to the account management device not the identification code of the seller’s station, but, based on the information in the seller’s data memory, data corresponding to the identification code and identifying the account; in Germany, for example, account number and bank number. The same is true for user data memory.

The billing device may, in a preferred embodiment, be integrated with a balance sheet device, which ensures a compact design and very fast, interference-free processing of transaction data.

As for the transaction data, we are talking about the claimed method, for example, the amount of money and the seller’s identification code, and in the case of the second and third variants of the claimed method, additionally about the user’s identification codes.

In another preferred embodiment of the first variant of the method and, accordingly, the system for implementing the first variant of the method, an open transaction is stored only for a certain time. If no confirmation occurs during this time, the transaction is canceled, and the seller station associated with this open transaction is notified that the transaction has been rejected. Thus, as an additional sign of protection, it becomes necessary to have close proximity in time to the action of individual compounds.

In yet another preferred embodiment, the radiotelephone communication network and the balance balancing apparatus are configured such that the balance balancing apparatus can determine the SIM card phone number of the calling mobile radiotelephone, and its telephone number is used as the SIM card identification code. In this case, in various variants of the method, the SIM card identification code may not be entered into the mobile radiotelephone; instead, the SIM card phone number is always determined in the balance balancing device. At the same time, in this case, for the first and third variants of the method, it is guaranteed that only the owner of the SIM card can confirm the transaction.

Preferably, the balance adjusting device is configured such that manual intervention by manual staff is possible to eliminate errors in the method. Preferably, the merchant station and the balance balancing device are configured such that they can implement many of the various process options.

Along with the mentioned device, naturally, there must be the necessary data transmission networks or telecommunication networks in order to be able to carry out the method. In this sense, they are also part of the system for implementing the method.

Corresponding to the invention process variants can be used in a particularly preferred way for making payments on the Internet, since the spatial proximity of the radiotelephone and the seller’s device is not a requirement in this case, and accordingly, the computers used to connect to the Internet should be considered as a component part of the seller’s device.

Examples of carrying out the invention are described below with reference to the drawings, which represent the following:

Figure 1 - schematic representation of a system corresponding to one embodiment of the invention;

Figure 2 is a schematic representation of the seller station of the system of figure 1;

Figure 3 is a schematic representation of the balance sheet of figure 1;

4a and 4b show a very simplified schematic representation of a method according to one embodiment of the first embodiment of the method according to the invention;

5a and 5b are a very simplified schematic diagram of a method according to one embodiment of the second embodiment of the method according to the invention;

6 is a very simplified schematic representation of a method according to one of the forms of execution of the third variant of the method corresponding to the invention.

According to FIG. 1, the system according to the first embodiment of the invention comprises a mobile radiotelephone 2 with a SIM card and an IR interface, a seller station 1 with an IR interface and a balance device 3. From the mobile radiotelephone via IR connection between the IR interfaces, its identification code can be transmitted to the seller’s station.

The balance device 3 can be connected via a mobile radio connection to a mobile radiotelephone 2 and through a data connection to a seller station 1.

Three of these devices, namely the seller’s station 1, the balance balancing device 3 and the mobile radiotelephone 2, more precisely the SIM card in it, have identification codes, which in this embodiment are telephone numbers of the seller’s station, balance device and mobile radiotelephone, respectively. Instead of telephone numbers, for example, IP addresses can also be used.

Mobile radiotelephone 2 contains a well-known conventional SIM card for a given radiotelephone network, activated by entering a PIN code, as well as an IR interface for data exchange known per se; it is provided in order to be able to transmit the data to be transferred and stored data on call through the IR interface during the operation of the established telephone connection. It is activated to implement the method in the corresponding mobile radio communication network.

Figure 2 presents the station 2 seller, having a device 5 for data input, such as a keyboard; an output device 4, for example, a display device such as a monitor; and IR interface 6, which is designed in such a way that data exchange with a radiotelephone is possible through it, as well as interface 8 for data transmission. The control device 7 is connected to other devices and processes the input data, transmits data for display on the device 4, and receives or transmits data via the IR interface 6 and / or the data transfer interface 8 depending on the data inputs via the input device 5 or other interfaces.

The balance adjusting device 3, as shown in FIG. 3, comprises an interface device 9 for connecting data transmission to sellers stations and an interface device 14 for mobile radio communications connections, a transaction data memory 10 for temporarily storing transaction data, a seller verification device in the form of a data memory 11 sellers to store identification codes and corresponding account numbers, a user verification device in the form of a memory 12 of user data for storing user identification codes and corresponding account numbers, a connection to the account management unit 15 and control unit 13 for data processing and exchange the above data elements balance summing device. In the simplest case, we can talk about a personal computer (PC) or another computer with the corresponding cards of telecommunication interfaces and the corresponding software.

The control devices 7 and 13, respectively, of the seller’s station and balance balancing device are configured to perform the steps of the calculation method. Depending on the specific variants of the methods, the control device is performed accordingly.

The following describes the procedure of a payment transaction in accordance with one form of execution of the first variant of the method.

On figa and 4b in the form of a table presents the procedure of the method, and one below the other in columns the successive steps of the method are shown in the individual components of the system: mobile phone 2, device 3 balance and in station 1 seller.

Essentially, a sum of money and a seller’s identification code are transmitted from the seller’s station 1 to the balance balancing device 3, and thereafter, after checking the seller’s identification code, they are temporarily stored. From the mobile radiotelephone 2, depending on the embodiment of the radiotelephone, before or after establishing a connection with the balance balancing device 3, the seller’s identification code is read, which can be done by voice input, and this data, together with the SIM card’s identification code, is transmitted to the balance balancing device, where the SIM card identification code is verified. By comparing the identification codes of the seller’s station with the corresponding identification codes in the temporarily stored data, the amount of money transferred is determined, transferred to the mobile radiotelephone 2 and issued there. After entering the confirmation information, it is transmitted to the balance sheet 3, which sends the data to the seller’s station 1 and, in accordance with the confirmation information, transfers the data to the account management device 15.

In more detail, the method corresponding to this form of execution is as follows.

First of all, the payable sum of money and the identification code for the balance balancing device 3 via the input device 5 are recorded in the seller station 1, after which, in accordance with the operation of the control device 7, after establishing a data connection with the balance balancing device 3 through the interface device 8 for data transfer connections, the seller’s station identification code 1 and the amount of money are transferred as transaction data to the balance sheet device 3 with the specified identification number at home.

In the balance balancing device 3, data is received through the interface device 9 for connecting data. After comparing the seller’s identification data with the seller’s identification data entered into the seller’s data memory 11 to verify that the seller’s station has access to the service, transaction data using the control device 13 is recorded as an open transaction in the memory 10 of the transaction data of the balance sheet. Through the IR interface 6 before entering data into the seller’s station 1, but at the latest after establishing a connection with the balance balancing device 3, an identification code, i.e. the telephone number of the seller’s station is transmitted to the mobile radiotelephone 2. A connection is established from the mobile phone 2 to the balance balancing device, and the stored identification code of the seller’s station 1 and the radio telephone identification code are transmitted to the balance balancing device 3. If transmission via the IR interface is temporarily not performed, then the identification code can also be entered using the keyboard. Such data entry can also be performed using a radiotelephone without an infrared interface.

In the balance adjusting device 3, the seller identification code transmitted from the mobile radiotelephone 2 is compared with the identification codes of the sellers of open transactions stored in the transaction data memory 10. If such a transaction is not found, then the procedure is aborted, otherwise, the detected transaction data is transmitted via the mobile radio interface to the mobile radiotelephone and issued there. In addition, the identification code of the mobile radiotelephone is compared with the identification codes of users recorded in the user data memory 12 to determine whether the user has access to the service. If there is no such permission, the transaction is aborted, and the corresponding data is transmitted to the station 1 of the seller.

After requesting and entering the confirmation information via the keypad of the mobile phone 2, the confirmation data is transmitted to the balance adjusting device 3, which again transmits the confirmation data to the seller’s station 1, where they are issued.

In the control device 13 of the balance adjusting device 3, it is checked whether the confirmation data corresponds to the case of a transaction rejection or not. In the first case, the transaction is aborted, and in the second case, the transaction data is read from the memory 10 of the transaction data, the identification codes of the seller’s station and the mobile radiotelephone are converted into account numbers using data in the memory of the seller’s data and, accordingly, the transaction data is transferred to billing device 15. The transaction is erased from the memory 10 of the transaction data.

In the device 3 to balance is carried out ongoing checks of how long the open transaction is stored in the memory 10 of the transaction data. If the open transaction exceeds a predetermined time limit, then data is transmitted to the corresponding station 1 of the seller, which indicates that the transaction was rejected, and the open transaction is erased from the memory 10 of the transaction data.

The payment transaction procedure according to the execution form of the second variant of the method is shown in FIGS. 5a and 5b in tabular form, moreover, successive steps of the method are shown in columns in separate columns of the system in separate components of the system: mobile phone 2, balance balancing device 3 and at the seller’s station 1.

The main operations are reduced to the fact that the money amount, the identification code of the seller’s station 1 and, via the IR interface 6, the SIM card identification code are read out and transferred to the balance summing device 3. After checking the seller’s identification code and the SIM card’s identification code, the latter establishes a connection with the radiotelephone 2 based on the SIM card’s identification code and transmits the data issued from the radiotelephone 2. After entering the confirmation information and transmitting it to balance balancing device 3, the confirmation information is transmitted to station 1 the seller, and the transaction data is transmitted to the device 15 account.

In more detail, the method according to this form of execution is as follows.

As devices for implementing the method, schematically shown in FIGS. 1-3, can again be used, however, control devices 7 and 13 in accordance with the modified method have other functions.

In the seller’s station 1, the payable sum of money, the identification code for the balance balancing device 3 and the infrared interface 6 of the identification code of the mobile radiotelephone 2 are read and stored. After establishing a data transfer connection with the balance balancing device 3, the seller station identification code, the mobile radiotelephone identification code, and the amount of money as transaction data are transferred to the balance balancing device.

In the balance balancing device, data is received via the interface 9 for data transmission connection. The seller’s station identification code and SIM cards are compared with the identification codes in the seller’s data memory 11 and, accordingly, in the user data memory 12 to determine whether the seller and the user have access to the service. If they do not have such access, then the corresponding data is transmitted to station 1 of the seller, and the transaction is aborted. Otherwise, the data of the open transaction are recorded in the memory 10 of the transaction data. Based on the SIM card identification code, a connection is made from the balance balancing device to the mobile radiotelephone 2, and the transaction data is transmitted to the mobile radiotelephone, where the data is transmitted via the mobile radiotelephone. If the connection cannot be established, the transaction is aborted.

Confirmation information is requested via the mobile radiotelephone 2, and corresponding confirmation data is transmitted to the balance device 3.

The balance adjusting device 3 aborts the transaction if the confirmation data corresponds to the deviation or if there is no response.

Confirmation information and, if necessary, additional transaction information are transmitted to the seller’s station 1, the interrupt being transmitted as a rejection. Additionally, the cause of the rejection may also be jointly transmitted. Transaction data is transferred as in the first method.

The payment transaction procedure according to the execution form of the third variant of the method is shown in FIG. 6 in the form of a table, moreover, successive steps of the method are shown in columns in separate components of the system: mobile phone 2, balance balancing device 3 and at the seller’s station 1.

Basically, the identification code of the seller’s station 1 is entered into the radiotelephone 2, a connection is established with the balance device 3, and the identification codes of the seller’s station 1 and SIM card, as well as the money amount entered by the mobile radio telephone 2, are transferred to the balance-making device 3. After checking the identification codes, it sends at least a sum of money to the seller’s station and the corresponding transaction data to the account management device.

In more detail, the method according to this embodiment is as follows.

As devices for implementing the method, schematically shown in FIGS. 1-3, can again be used, however, control devices 7 and 13 in accordance with the modified method have other functions. First of all, from the seller’s station 1 through an IR connection, the seller’s station identification code is transmitted to the radiotelephone and temporarily stored there. By means of the radiotelephone 2, a connection is established with the balance adjusting device 3.

Via the radiotelephone 2, the payable sum of money is read out and the identification code for the seller station 1 and the SIM card identification code are transferred to the balance balancing device. The balance adjusting device 3 checks with the help of the memory 11 the data of the sellers and the memory 13 of the user data whether the station 1 of the seller and the SIM card have the right to access the service. If not, the transaction is aborted; otherwise, account numbers are determined from the seller’s data and user data using the identification codes of the seller’s station and mobile radiotelephone or SIM card, and these account numbers, as well as the amount of money, are transferred further to the maintenance device 15 accounts.

The confirmed amount of money is then transferred to the station 1 of the seller.

Claims (32)

1. A method of making a cashless payment transaction by means of a seller station (1) characterized by an identification code of a seller station, a mobile radiotelephone (2) with a SIM card characterized by an identification code identifying it, and a comparison device (3) that contains data memory (10) transactions, a seller verification device (11) for verifying the identification codes of sellers' stations with access, and a user verification device (12) for verifying the identification codes SIM cards having access and which is connected with the account management devices (15), which includes the steps of: recording the payable sum of money to the seller’s station, transferring the identification code of the seller’s station and at least the amount of money to the comparator through connection transferring data, checking the access rights of the seller’s station using the seller’s verification device, interrupting if there is no access right, otherwise writing data as an open transaction to the transaction data memory comparing devices, establishing a connection from the mobile radiotelephone to the comparator device, transmitting the identification code of the seller’s station and the identification code associated with the SIM card from the mobile radiotelephone to the comparator device, checking the SIM card’s access right using the user verification device, if there is no access right, interrupting, erasing open transaction data from the transaction data memory and transferring the corresponding data to the seller’s station, otherwise the identification about the seller’s code transmitted from the mobile radiotelephone, with the identification codes of the seller’s stations for open transactions stored in the transaction data memory, in the absence of a transaction with the same seller’s station identification code - interruption, and when a transaction with the same seller’s station’s identification code - transaction data to a mobile radiotelephone, issuing the transmitted transaction data via a mobile radiotelephone, requesting confirmation information via a mobile radiotelephone e-phone, transferring confirmation data to the comparator, transferring confirmation information to the seller’s station, aborting the transaction and erasing the transaction from the transaction data memory if the confirmation data corresponds to the deviation, and transferring transaction data from the transaction data memory and mobile radiotelephone identification code to the billing device and erasing transaction data from the transaction data memory otherwise.
2. The method according to claim 1, characterized in that the seller’s station (1) and the radiotelephone (2) have interfaces (6) for wireless data transmission from the seller’s station to the radiotelephone, moreover, before establishing a mobile radio connection with a comparison device (3) from the seller’s station through these interfaces for wireless data transmission is transmitted the identification code of the seller’s station to the mobile radiotelephone, and the identification code stored there when establishing a connection can be transmitted to the comparison device.
3. The method according to claim 1, characterized in that the wireless interface is an infrared interface.
4. The method according to claim 1, characterized in that the wireless interface is a microwave interface.
5. The method according to claim 1, characterized in that the transaction is aborted if the confirmation information is not transmitted within a predetermined time after the information has been transmitted from the seller’s station to the comparison device.
6. The method according to claim 1, characterized in that additional transaction data is transmitted from the seller’s station to the comparator device or to the mobile radiotelephone.
7. The method according to claim 1, characterized in that if one of the necessary connections cannot be established, the transaction is aborted, and in this case, the corresponding stored data of the open transaction is erased in the memory (10) of the transaction data of the comparing device (3).
8. The method according to claim 1, characterized in that if no connection has been established with the seller’s station (1) or mobile radiotelephone (2), then at least one additional attempt is made to establish this connection, and only after that interrupt.
9. The method according to claim 1, characterized in that if one of the connections has not been established, then, before interruption, a message is issued to the seller’s station (1) or to the mobile radiotelephone (2).
10. The method according to claim 1, characterized in that the identification code associated with the SIM card is its telephone number.
11. The method according to any one of claims 1 to 10, characterized in that, as an identification code, when transmitting accounts to devices (15), data identifying the corresponding account is used.
12. The method according to any one of claims 1 to 10, characterized in that the identification code associated with the SIM card is stored on the SIM card and identifies it with an identification code, moreover, when transferring data between the mobile radiotelephone (2) and the comparison device (3 ) automatically transmit the identification code associated with the SIM card.
13. The method according to any one of claims 1 to 10, characterized in that, as an identification code, when transmitting to the account management devices (15), data identifying the corresponding account is used, and the identification code associated with the SIM card is stored on the SIM card and an identification code identifying it, and when transmitting data between the mobile radiotelephone (2) and the comparator (3), the identification code associated with the SIM card is automatically transmitted.
14. A method for making a cashless payment transaction by means of a seller station (1) characterized by an identification code of a seller station, a mobile radiotelephone (2) with a SIM card and an identification code associated with a SIM card, and a comparison device (3) that contains a memory device (10) ) of transaction data, a device for verifying sellers intended for verifying the identification codes of stations of sellers with access, and a device (12) for verifying users intended for verifying the identification codes of SIM cards access, and if the SIM card identification code is not its phone number, to save the phone number associated with the SIM card, and which is associated with the account management devices (15), which includes the steps of: recording the amount of money to be paid and the identification code of the SIM card of the mobile radiotelephone to the seller’s station, transmitting the identification code of the seller’s station, the identification code of the mobile radiotelephone and at least the amount of money to the comparator with this identification code m by connecting a data transfer, checking the access right of the seller’s station by comparing it with entries in the seller’s verification device, checking the access right of the SIM card using the user verification device, interrupting if there is no access right, otherwise recording data as an open transaction in the data memory transactions, reading the phone number from the user verification device using the identification code, if the SIM card identification code is not a phone number, establishing a connection communication from the comparing device to the mobile radiotelephone, transmitting transaction data to the mobile radiotelephone, issuing data via the mobile radiotelephone, requesting confirmation information via the mobile radiotelephone, transmitting confirmation data to the comparing device, aborting the transaction if the confirmation data corresponds to the rejection, transmitting the confirmation and, if necessary additional transaction data to the seller station, transferring transaction data from the transaction data memory and identifier insulating code in a mobile radiotelephone unit accounts and transaction data erasure from the memory data transaction.
15. The method according to 14, characterized in that the mobile radiotelephone (2) and the seller’s station (1) have interfaces for wireless data transmission, while before said recording step, they are transmitted via the said interfaces from the mobile radiotelephone (2) to the station (1 ) seller’s identification code associated with the SIM card to be stored in the seller’s station.
16. The method according to 14, characterized in that the wireless interface is an infrared interface.
17. The method according to 14, characterized in that the wireless interface is a microwave interface.
18. The method according to 14, characterized in that the transaction is aborted if the confirmation information is not transmitted within a predetermined time after the transfer of information from the seller’s station to the comparison device.
19. The method according to 14, characterized in that from the seller’s station additional transaction data is transmitted to the comparator device or to the mobile radiotelephone.
20. The method according to 14, characterized in that if one of the necessary connections cannot be established, the transaction is aborted, and in this case, the corresponding stored data of the open transaction is erased in the memory (10) of the transaction data of the comparing device (3).
21. The method according to 14, characterized in that if no connection was established with the seller’s station (1) or mobile radiotelephone (2), then at least one additional attempt is made to establish this connection, and only after that interrupt.
22. The method according to 14, characterized in that, if one of the connections was not established, then before interruption in the station (1) of the seller or in the mobile radiotelephone (2) issue a corresponding message.
23. The method according to 14, characterized in that the identification code associated with the SIM card is its telephone number.
24. The method according to any one of paragraphs.14-23, characterized in that as identification code when transmitting to the device (15) account management using data identifying the corresponding account.
25. The method according to any one of paragraphs.14-23, characterized in that the identification code associated with the SIM card is stored on the SIM card and identifies it with an identification code, moreover, when transferring data between the mobile radiotelephone (2) and the comparison device (3 ) automatically transmit the identification code associated with the SIM card.
26. The method according to any one of paragraphs.14-23, characterized in that as an identification code when transmitting to the account management devices (15), data identifying the corresponding account is used, and the identification code associated with the SIM card is stored on the SIM card and an identification code identifying it, and when transmitting data between the mobile radiotelephone (2) and the comparator (3), the identification code associated with the SIM card is automatically transmitted.
27. The system for implementing the method according to claim 1, comprising a seller station (1) characterized by a seller station identification code, a mobile radiotelephone (2) with a SIM card and an SIM code identifying code, a comparison device (3), which comprises Memory (10) of transaction data, seller verification device (11) for verifying the identification codes of sellers having access, and user verification device (12) for checking identification codes of authorized SIM cards, and which e is associated with devices (15) for maintaining accounts, moreover, the seller’s station (1) comprises a data input and output device (4, 5) and a device (8) for establishing a data connection with a comparison device (3), a comparison device (3) additionally comprises an interface device (9) for connecting data transmission to sellers stations, an interface device (14) for mobile radiotelephone communications and a control device (13) which, after establishing a connection from the seller station to an interface device (9) for connecting transmitting data with sellers stations, transmitting transaction data from a seller’s station and receiving transaction data via an interface device (9) for connecting to sellers stations, using the received transaction data, verifies the access right of the seller’s station using sellers verification device (11) and if there is no right the access is interrupted; otherwise, it transfers the transferred transaction data to the transaction data memory (10) when establishing a connection from the mobile radiotelephone (2) to the device of the interface (14) for mobile radiotelephone connections, the control device receives, via the interface device (14) for radiotelephone connections, the SIM card identification code, checks the SIM card access right using the user verification device (12), and interrupts if there is no access right otherwise, the control device compares the identification code of the seller’s station with the entries in the memory of the transaction data and when the transaction is found with the identical identification code of the station The seller transmits through the interface device (14) for mobile radiotelephone connections, the found transaction data to the mobile radiotelephone, and transmits a confirmation request to it, the control device receives confirmation data through the interface device (14) for mobile radiotelephone connections, interprets them as receiving or deviations, transmits confirmation information through the interface device (9) to the seller’s station, and, if received, transmits transaction data and identification code m BEATER radiotelephone device of the accounts.
28. The system according to item 27, wherein the comparison device (3) comprises a user verification device (12), in which there is an identification code of the corresponding mobile radiotelephone and an associated account number in the account management device, the control device based on information in the user verification device, transmits to the account management device as the identification code of the mobile radiotelephone the account number corresponding to the identification code.
29. The system according to any one of paragraphs.27 and 28, characterized in that the comparator device (3) comprises a seller verification device (11), in which there is an identification code of the seller station and an associated account number in the account management device, the control device , based on the information in the sellers verification device, transmits to the account management device, as an identification code of the seller’s station, an account number corresponding to said identification code.
30. The system for implementing the method according to 14, comprising a seller station (1) characterized by an identifier of a seller station, a mobile radiotelephone (2) with a SIM card and an identification code characterizing a SIM card, a comparison device (3), which comprises Memory (10) of transaction data, a seller verification device (11) for checking the identification codes of sellers' stations with access, and a user verification device (12) for checking identification codes and, if the identification code e is a telephone number for storing telephone numbers for SIM cards with access, and which is associated with billing devices (15), the seller station (1) comprising a data input and output device (4, 5) and a device (8) for establishing a data connection with a comparator (3), the comparator (3) further comprises an interface device (9) for connecting a data transmission to sellers stations, an interface device (14) for mobile radiotelephone communications and a control device (13) which e after establishing a connection and transferring transaction data from the seller’s station, checks the right of access to the seller’s station using the seller’s verification device (11) and the SIM card’s right to use the user verification device, and if there is no access right, it interrupts, otherwise it transfers the transmitted data transactions in the data memory of the transaction, the control device establishes, through the interface device for mobile radiotelephone communications, the connection accordingly contains By entering the identification code for the mobile radiotelephone in the transaction data, it transmits the transaction data to the mobile radiotelephone and transmits a confirmation request to it, and receives confirmation data through the interface device for mobile radiotelephone connections, interprets them as receiving or rejecting, transmits through the interface device for connecting transmitting data to the seller’s station, confirmation information, and upon receiving, transmits transaction data and the identification code of the mobile radiotelephone to billing device.
31. The system according to claim 30, wherein the comparison device (3) comprises a user verification device (12), in which there is an identification code of the corresponding mobile radiotelephone and an associated account number in the account management device, the control device based on information in the user verification device, transmits to the account management device as the identification code of the mobile radiotelephone the account number corresponding to the identification code.
32. The system according to any one of paragraphs.30 and 31, characterized in that the comparison device (3) comprises a seller verification device (11), in which there is an identification code of the seller station and an associated account number in the account management device, the control device , based on the information in the sellers verification device, transmits to the account management device, as an identification code of the seller’s station, an account number corresponding to said identification code.
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WO2013100825A1 (en) * 2011-12-29 2013-07-04 Bilyukin Evgeniy Yakovlevich Cash register for a system of mobile payments

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YU54801A (en) 2003-01-31
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HU227291B1 (en) 2011-02-28
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HU0105475A2 (en) 2002-04-29
ZA200105872B (en) 2002-09-10
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CN1339146A (en) 2002-03-06
IL144571D0 (en) 2002-05-23

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