WO2001063569A1 - Method for charging a customer account for telecommunication services and corresponding charging system - Google Patents

Method for charging a customer account for telecommunication services and corresponding charging system Download PDF

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Publication number
WO2001063569A1
WO2001063569A1 PCT/EP2001/000836 EP0100836W WO0163569A1 WO 2001063569 A1 WO2001063569 A1 WO 2001063569A1 EP 0100836 W EP0100836 W EP 0100836W WO 0163569 A1 WO0163569 A1 WO 0163569A1
Authority
WO
WIPO (PCT)
Prior art keywords
intermediate station
payment
customer
network operator
customer account
Prior art date
Application number
PCT/EP2001/000836
Other languages
German (de)
French (fr)
Inventor
Dominik Brokelmann
Original Assignee
Brodos 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
Priority to DE10008132.0 priority Critical
Priority to DE2000108132 priority patent/DE10008132A1/en
Priority to EP00116788.1 priority
Priority to EP20000116788 priority patent/EP1128340A1/en
Application filed by Brodos Ag filed Critical Brodos Ag
Publication of WO2001063569A1 publication Critical patent/WO2001063569A1/en

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Classifications

    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04WWIRELESS COMMUNICATION NETWORKS
    • H04W4/00Services specially adapted for wireless communication networks; Facilities therefor
    • H04W4/24Accounting or billing
    • 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
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices
    • G06Q20/34Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/342Cards defining paid or billed services or quantities
    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07FCOIN-FREED OR LIKE APPARATUS
    • G07F17/00Coin-freed apparatus for hiring articles; Coin-freed facilities or services
    • G07F17/0014Coin-freed apparatus for hiring articles; Coin-freed facilities or services for vending, access and use of specific services not covered anywhere else in G07F17/00
    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07FCOIN-FREED OR LIKE APPARATUS
    • G07F7/00Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/02Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices
    • G07F7/025Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices by means, e.g. cards, providing billing information at the time of purchase, e.g. identification of seller or purchaser, quantity of goods delivered or to be delivered
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04MTELEPHONIC COMMUNICATION
    • H04M17/00Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04MTELEPHONIC COMMUNICATION
    • H04M17/00Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H04M17/20Prepayment of wireline communication systems, wireless communication systems or telephone systems with provision for recharging the prepaid account or card, or for credit establishment
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04WWIRELESS COMMUNICATION NETWORKS
    • H04W88/00Devices specially adapted for wireless communication networks, e.g. terminals, base stations or access point devices
    • H04W88/02Terminal devices

Abstract

The invention relates to a method for the charging of a customer account for telecommunication services by a desired number of value units, whereby the customer account has a dedicated pre-paid module or pre-paid card and is managed by a telecommunication service providing network operator, whereby the method comprises the following steps: payment for the desired number of value units at a payment centre, establishment of an on-line connection, between the payment centre and the network operator, or between the payment centre and an intermediate station, transmission of a customer account charging request, from the payment centre to the network operator, or the intermediate station, whereby the request contains at least information referring to the corresponding customer account and information, by means of which the number of value units paid for may be derived, receipt of the customer account charging request by the network operator, or the intermediate station, transmission of a checked customer account charging request to the network operator from the intermediate station, on a positive check of the credit by the intermediate station and charging of the corresponding account by the network operator on a positive credit check, or on receipt of a checked customer account charging request from the intermediate station.

Description

A method for charging a customer account for telecommunications services and corresponding charging system

The present invention relates to a method for charging a customer account of telecommunications services and to a corresponding charging system

To enable cashless calls in public telephone booths, the so-called telephone cards are designed for in Europe spread furthest embodiment of telephone cards is their chip a certain number of telephone units is stored the smart card, which the user acquire the prepaid card and then or in public telephone booths card phones in Gesprachsminuten can redeem alone in Europe are currently sold annually hundreds of millions of telephone cards

Phone cards provide a simple embodiment of the so-called prepaid cards are prepaid cards are generally credit cards with regard to a previously paid amount A major disadvantage of such prepaid cards is then that they are not rechargeable and therefore not reusable, resulting in the very high number of cards sold each year to a large Mullerzeuguπg and a corresponding thereto pollution leads

In recent years, prepaid cards are increasingly used in mobile communications The advantage of prepaid cards in this area can be seen in the elimination of Grundgebuhren and the maintenance of a fixed predetermined budget

When buying a prepaid card mobile phone sustaining the buyer one as SIM (Subscπber Identity Module) card designated chip module that represents the prepaid card and is inserted into the mobile phone to the SIM card include the PIN (Personal Identification number) number and the telephone number of the mobile phone is stored on the SIM or prepaid card, in the corresponding network operator, which supports the prepaid Mobiltelefoπe an account allocated by the prepaid value units are available preferably corresponds to the customer account number, the PIN number a significant advantage of the prepaid cards used in mobile communications then that no contract exists and the credit can always be re-refreshed this, the user of the mobile phone, for example, buy a so-called cash card in a phone shop, the user pays for the acquisition of the cash card is a certain number of value units, which he subsequently use of telecommunications services again used to charge the assigned its prepaid card customer account, the user calls the appropriate network operator via a free phone number that is connected through which he with an IVR (interactive voice response) -Dιenst ​​The IVR service prompts the user to a to enter included on the cash card code number, which can be configured as a PIN number on the keypad of his mobile phone, the network operator receives the code number in conjunction with the data of the prepaid card or the SIM module and can thus determine on which account what number to be credited of units of value, the transmission of the code number is usually carried out by means of the respective mobile phone, wherein the performed charging the mobile subscriber is preferably acknowledged by sending a short message in form of a SMS (short Message Servιce) -Nachπcht

Figure 4 shows a charging method according to the prior art in which at least one operating company, a manufacturer, Logistikuntemehmen,

Between retail companies and payment parts POS prepaid card customers or PP-customers and an IVR service are involved In the Operating Company is a service provider of prepaid cards and / or cash cards produced by the manufacturer led, in turn, the cards by the logistics operation at the intermediate trade extradite Here obtain the intermediate trading companies corresponding prepaid cards and / or cash cards not only from one but from different network operators and give this variety of cards to the payment points POS on a prepaid customer who owned a prepaid is card and might charge a certain number of units of value, the corresponding, guided by a network operator customer acquires a payment parts POS a cash card, whereby it at the payment point an amount paid to the number of units of value corresponding to the cash card are assigned, corresponds to charge the customer's account transmits the customer PP-d ie given on the cash card code number to the IVR service, the conventional manner is operated by the operating company, which causes the charging of the corresponding customer account

A disadvantage of this method is then that with the constantly increasing number of mobile subscribers with prepaid card phones a large number of cash cards must be produced and distributed Another drawback is then that the cash cards are worth tainted and therefore of the Make payment POS have to be financed Any card loss before the final sale to the end customer so at the expense of paying agencies POS or the phone stores

Starting from the known prior art, the present invention has the object to provide a possibility of customer accounts for telecommunications tionsdieπste easier and safer to recharge

This object is achieved by the subject of the claims 1 4, 16 and 18. Preferred embodiments of the present invention are subject of the subclaims

In particular, the object of the present invention by a method for charging a customer account for telecommunications services is solved by a desired number of units of value, wherein the customer account associated with a prepaid module or a prepaid card and is guided by an offering the telecommunications network operator sub prepaid module is a data carrier understood that a telecommunications terminal, such B individualized a mobile telephone and for the use of a telecommunications service authorized in the simplest case, the prepaid module can be constituted by a code stored in the common case of a prepaid card

in a first variant, the inventive method comprises the steps of paying the desired number of value units to a payment point, establishment of an online connection between the payment station and the network operator or between the payment station and an intermediate station, transmitting a Kundenkontoaufladanfrage by the payment entity to the network operator or the intermediate station, said request at least information relating to the corresponding customer account contains, as well as information from which the number of paid value units derived let receiving the Kundenkontoaufladeanfrage by the network operator or by the intermediate station and identifying the requesting payment parts, checking the creditworthiness of the payment location by the network operator or by the intermediate station, sending a tested Kundenkontoaufladeanfrage to the network operator of the intermediate station with positive Bomtatsprufung by the intermediate station and charge of the corresponding customer account by the network operator with a positive Bonitatsprufung or upon receipt of a tested Kundenkontoaufladeanfrage from the intermediate station

Moreover, the object of the present invention is achieved by a method according to the subject matter of claim 4 and by a method according to claim 18 and by a charging system according to the subject matter of claim 16

In a particular aspect of the present invention is an account for telecommunications services, which is associated with a prepaid module or a prepaid card, online charged An important advantage of such an online charging is then that the usual according to the prior art manufacture of cash - entfallt cards, which saves raw materials, gauze avoids the logistical expiration be simplified and, in particular, the charging process is accelerated Furthermore entfallt the necessary in the prior art pre-finance the cash cards through the payment points

According to another aspect of the present invention is the telecommunications service that is offered by the network operator, a mobile service Furthermore disposes the payment parts via an input terminal, which is used to create the online connection with the network operator or the intermediate station and to which the This Kundenkontoaufladeanfrage is input to the information contained Kundenkontoaufladeanfrage preferably contains the telephone number associated with the account and / or a customer account number and / or an identification number that is assigned to the requesting payment point

According to another aspect of the present invention receives a plurality of network operators to the process of this invention in part, wherein the Kundenkontoaufladeanfrage contains a Identfikationsnummer which is associated with a particular network operator Further, the stop may be formed by an intermediate trading company and the payment location by a telephone shop

According to another aspect of the present invention, the through Fuhren a Bonitatsprufung with respect to payment points includes not only a simple verification of the solvency, but rather examines the intermediate station or the network operator preferably the payment and -histoπe the requesting payment parts this can with respect to each payment point in an electronic database data are collected, which are interrogated at a transit through the Bonitatsprufung each can thus be selected filters to arrive at a positive or negative result in the Bonitatsprufung, eg solvency payment residue or exceeds a predetermined credit limit

According to a particularly preferred embodiment of the present invention, the charging of the customer account for telecommunications services to a desired number of units of value, starting to be executed by a so-called Aufladeautomaten In this case, the Aufladeautomat can either only the payment point and the payment parts and the intermediate station to replace It is possible that such Aufladeautomaten similar common cash machines are respectively managed by different network operators, said starting charging a customer account of another network operator could also be performed by a Aufladeautomaten of a particular network operator against a predetermined fee

In accordance a further preferred embodiment the present invention, the intermediate station retrievable value units for charging a customer account may purchase a cellular network and such pre-funded value units following the positive Bonitatsprufung a particular account to assign this case it is possible that the intermediate station cash card or PIN Nummem purchases at a plurality of network operators, and the code contained on the respective cash card number or PIN Nummem by means of a so-called PIN server manage, each PIN number retrievable value units representing at a particular network operator corresponding to the particular customer account assigned, vorfiπanzierten value units transmitted from the intermediate station under the tested Kundenkontoaufladeanfrage to the network operator, of the corresponding customer to the corresponding pre-funded from the intermediate station value units aufladt in this case, the gep rüfte Kundenkontoaufladeanfrage not only the information to the network operator to charge an account, but additionally information which prefunded PIN number to use as the equivalent

According to a further preferred embodiment of the present invention, the method may comprise the following steps have shopping by code numbers or PIN numbers which can be called up value units to charge the customer's account representative of a network operator through an intermediate station, Paying the desired number of value units to a payment point, setting up an online connection between the payment parts and the intermediate station, transmitting a Kundenkontoaufladeanfrage from the payment center to the intermediate station, said request at least contains information from which the number of paid value units derived, let receiving the Kundenkontoaufladeanfrage by the intermediate station and identifying the inquiring payment point, checking the creditworthiness of the payment location by the intermediate station, transmitting a specific PIN number representing the desired number of callable units of value from the intermediate station to the payment site or at the customer with positive Bonitatsprufung through the intermediate station, transmitting the PIN number to the network operator by the payment agency, or customer, and charging of the corresponding customer account by the network operator

In the event that the PIN number is transmitted from the intermediate station to the payment agency, the payment site can either send this PIN code directly to the network operator to charge the corresponding customer account or transmit the PIN number to the customer, the same to the network operator transmits to charge the customer's account for the event that the PIN number is transmitted from the intermediate station to the customer, this can be done, for example, by sending a message by means of an SMS service Preferred Ausfuhrungsformeπ of the present invention are described below with reference to the accompanying drawings near explained Here, the drawings show in detail

Figure 1 is a flow diagram illustrating a charging process according to a first

Variant of the present invention,

2 is a block diagram illustrating a charging system according to the present invention,

Figure 3 is a flow diagram illustrating a charging process according to a second variant of the present invention,

4 is a flow diagram illustrating the Bereitsteilens and charging of prepaid cards in accordance with the prior art

Figure 1 shows a flow diagram illustrating the flow of a charging a customer account according to a particularly preferred embodiment of the present invention, wherein the account of a prepaid card is assigned to a customer and the customer on a pay site POS and an intermediate station, a charging his customer account that of is guided an operating company may cause the operating company, for example, a network operator or service provider, ie, an operator of a mobile network or a fixed network, or an Internet provider charging the customer's account is preferably effected in order to ensure the online charging the customer account "online" that payment point POS, the intermediate station and the operating companies are on an electronic communications network with each other

The customer who wishes to charge his customer account by a certain number of units of value, is charged in the payment point POS a an amount corresponding to the number of units of value for the exemplary case that it is in the operating carrier to the operator of a mobile network, provide units of value telephone units or monetary units constitute the payment can be at any time, that is before, during or after the charging, by means gebrauchlicher means of payment, such as cash, check or credit card, carried out in a further step into an AVAILABLE at the payment point input means, data input representing a request to charge the customer's account to the specific number of units of value This Aufladeanforderungsdaten representing a Kundenkontoaufladeanfrage be transmitted from the POS payment point in the intermediate station is used for inputting the Aufladeanforderungsdaten preferably a Computer or terminal used which has at least a display device, a keyboard and preferably also a reading device for chip cards particular, the display and the keyboard can be combined as beruhrungsempfindliche display, ie as a "touch screen" are executed

The Aufladeanforderungsdaten for example, the indication of the amount of the deposit (amount), a transaction number (TAN) and a customer identifier (KID), so that the operating companies can clearly determine which account how many units of value to to be recharged particular, the Aufladeanforderungsdaten a identification tag (POS ID) concerning the data transmitted payment point POS having, that allows an unambiguous determination of the payment parts POS This unique identification of the payment point POS allows the Zwischenstatioπ after receiving the Aufladeanforderungsdaten a Bonitatsprufung the corresponding payment point POS by feeders, whereby proper operation of the payment point checked This is Bonitatsprufung is thus a Sicherheitsprufung and / or by means of which it is ensured that the data transferred from the payment information is correct place a Identitatsprufung,

In the event that the Bonitatsprufung the Aufladeanforderung of customers leads to a negative result rejected in the event that the Bonitatsprufung leads to a positive result, the intermediate station on the the appropriate account directs the Auftadeanforderung in the form of audited Aufladeanforderung to the operating company manages the operating company determined the appropriate account and leads the charge to the specific number of value units by then transmits the operating company a confirming that the charge at the intermediate station, which in turn forwards this acknowledgment to the payment point POS

In the case that the charged is an account associated with a prepaid card, a mobile phone, the customer identifier KID may represent the call number of the corresponding mobile phone This allows the operating company, that is the operator of the respective mobile radio network, after charging the corresponding customer directly charging to confirm, for example in the form that is sent to the mobile phone an SMS message, the event that to be charged account of a prepaid card is assigned, which is intended for use in the fixed network or the Internet, confirming the charging occurs the customers over preferably through the payment point POS

According to a further preferred embodiment of the present invention, the payment parts of POS can be formed Such Aufladeautomat may be carried out, for example, similar to a Fahrscheiπautomat The customer makes a payment in cash or by means of a check or credit card, and outputs data as a so-called "Aufladeautomat" into an input device of the Aufladeautomaten, which represent a request for charging his customer account by a certain number of units of value, the input device of the Aufladeautomaten includes a display device and a keyboard, which preferably combined as beruhrungsempfindliche display, that are executed as a "touch screen" Furthermore, has the Aufladeautomat a reading device for chip cards, preferably for reading checks or credit cards, the processing of the data in the machine is fully automatic, for example by a suitable therefor exports n software program then keeping the customer a printed copy in the form of a ticket as proof of payment In particular, the ticket confirms the performed charge the customer's account to the specific number of units of value corresponding to the deposit

Furthermore, a Aufladeautomat can send the data entered to the intermediary that manages the corresponding Aufladeautomaten and in turn, as described above, the data to the operating company forwards Similar to Aufladeautomaten can processing Aufladeanforderungen in the intermediate station is also fully automatic, ie , by means of an appropriate software program exports

In particular, it is possible to dispense with in the case of using Aufladeautomaten to the intermediate station Here, a plurality of Aufladeautomaten each is operated directly by a specific Betπebsunternehmeπ and managed thereby becomes unnecessary Bonitatsprufung

In the above described embodiment of the method for charging a customer account according to the present invention preferably has a plurality of operating companies involved Here, the transaction number (TAN) is carried out preferably in two parts wherein one of the two parts represents an identification number, each corresponding to a specific operating company is assigned and the other part represents any, preferably consecutive number Thus, the intermediate station can each uniquely identify the operating company which leads the respective account and the data received from the payment parts POS Aufladeanforderungsdaten to this operating company send the case where the payment point the POS is designed as Aufladeautomat, one can preferably select on an image displayed in the display selection menu of a plurality of operating company and the selected operating company directly the send Aufladeanforderungdaten

Another possibility is then that each different operating companies operate their own Auftadeautomaten and these ATMs similar to common work means that a customer can use any Aufladeautomaten of any operating company charging the customer account that is associated with its prepaid card effect, this offset the the corresponding Aufladeautomaten be operated operating company charging with the operating company that manages the corresponding account preferably online, thus assumes the operating company that operates the corresponding Aufladeautomaten, the role of intermediary Since this quasi an operating company for another Betπebsunternehmen is Tatig, could by the customer, for example, a required refund applicable fees Figure 2 shows a block diagram illustrating a charging system for charging a customer account by a desired number of value units wherein the account of a prepaid card is assigned according to a preferred embodiment of the present invention, the charging system includes a plurality of Operating Company 1, which are connected via an electronic communications network 6 with an intermediate station 5, wherein the intermediate station 5 in turn a over an electronic communications network with is connected plurality of payment parts 8 According to another variant the operating company 1 may be connected directly via an electronic communications network with the payment points 8 Each operating company 1 leads a plurality of customer accounts 2 the administration of customer accounts 2 is preferably carried out by at least one computer with the use of suitable software programs

A plurality of clients 4 rechargeable prepaid cards can communicate over an electronic communications network 3 directly with the operating carrier 1, for example, query the status of each customer account 2, wherein the electronic communication network 3 is, for example, a mobile or a fixed network In particular, a customer 4 query over the Internet or through SMS information regarding his client's account in the same way can be sent from the respective operating company 1 to the customer 4 information, such as a Aufladebestatigung or invitation to recharging the corresponding prepaid card, if the corresponding account is empty

In order to charge his prepaid card available to a customer 4 in one of a plurality of pay parts POS input means 9 is preferably designed as a computer or terminal for grouting The input device 9, the or the can has at least one display device, a keyboard and a reading device for chip cards particular the display means and the keyboard combined, that are executed as a "touch screen" in the input device 9 in the payment point 8 data is entered, representing a request for charging the customer's account by the determined number of value units and over the communication network 6 to the as beruhrungsempfindliche display intermediate station 5 is transmitted, the terminal may each have a Karteniesevorrichtung in which a chip or magnetic card can be inserted, the reading means reads out data stored on the respective card, the data can be read with contact or konta ktlos by means of transponder technology The card is preferably a Autoπsationskarte that is from the operator of the intermediate station, or alternatively output from a corresponding network provider to the pay-bodies The card stores data when they have been read by the reading device and via an electronic network, preferably the Internet, are supplied to the intermediate station or a network operator, allow the receiver to recognize that the requestor is authorized in fact for such a request printed simply, this means that only authorized dealers these cards are handed out and the intermediate station or a network operator based on the data, the is read from the card and sent to him can realize that there is a legitimate handler

The information that is stored on such cards, provides a unique identification with regard to the payment point represents and provides the preferred case is an electronic certificate that can be detected by the received intermediate station or from the received network operator Autoπsation

thus the Autoπsationskarten described above provide access credential represents and lead to an increased security of the system, since thus created conditional access system, in addition to the Bonitatsprufung be present or set this if the reliability of the Autoπsationskarteπ is felt to be sufficient, so a Bonitatsprufung may be omitted since in this case, it is assumed that the one who is in possession of such a card, and sufficient credit has or that a Bonitatsprufung in this user uberflusssig in the event, find that both Bonitatsprufung and Autoπtatskarten using a system with double security arises this aspect of Autoπtatskarten is fundamentally different from traditional e-commerce methods in which any requester with a host system (intermediate station or the network operator) can come into contact If the mentioned maps used it shall, vornhe clean only the requester permitted where the amounts reported by the card data demonstrate the necessary identification Thus, not everyone with the host server to contact, but only the previously authorized persons or handlers The read from the Autoπsationskarte cards are actually together with the Aufladeanforderungsdaten sent from the payment point 8 to the intermediate station or the network operator

Preferably, identifies the intermediate station 5 based on the received data, first, the requesting payment point 8 and leads a Bonitatsprufung this payment parts 8 by means of this ready made Uberprufungseinheit 7, which may be embodied as a computer, in turn, the durchfuhrt means suitable for this purpose software programs Bonitatsprufung Des further, also the processing of the Aufladeanforderungsdaten in the intermediate station 5 can be fully automatic, that is to say be carried out by computers and appropriate software programs

In particular, the single payment bodies 8 can be formed as Aufladeautomaten, wherein the input means 9 each have at least a display device and a keyboard which preferably combined as beruhrungsempfindliche display, that are executed as a "touch screen" Furthermore, each have the Aufladeautomaten a reading device for chip cards , preferably for reading checks or credit cards Furthermore, this Aufladeautomaten can immediately take over the function of the intermediate station 5 which in turn can grouting each operating company 1 its own Aufladeautomaten, which also serve in a particularly preferred embodiment of the present invention to boots of customer accounts of other operating companies by feeders, each operating company 1 manages its client accounts itself and a calculated value of units sold or boots of customer accounts between the individual Betriebsun occurs ternehmen 1

According to a further preferred embodiment, the intermediate station 5 manages all Aufladeautomaten and forwards all Aufladeanforderungen to the respective operating companies continue to 1 Thus they are offset between the intermediate station 5 and the individual operating company 1

Figure 3 shows a flow diagram illustrating the flow of a charging a customer account according to a further, particularly preferred embodiment of the present invention, wherein the account of a prepaid card is assigned to a customer and the customer on a pay site POS and an intermediate station a in a PIN roaming PIN number can be assigned for charging which is led by an operating company of his client account, the payment point POS, the intermediate station and the PIN server stand over an electronic communications network with each other, the operating company, for example, an operator of a mobile network or a fixed network, be an Internet provider or the PIN number representing retrievable value units to charge the customer's account

According to a variant the PIN number in the context of the tested Aufladeanforderung may be transmitted from the intermediate station to the operating company which ausfuhrt the charging of the corresponding customer account according to a further variant, the PIN number is transmitted from the intermediate station to the payment agency, the payment center sends then the PIN number to the operating company to charge the corresponding customer account or provides the corresponding customer the PIN number available the PIN number is then preferably sent by the client to the corresponding Betπebsunternehmeπ that aufladt the customer's account According to another variant sends the stopover the PIN number, preferably in the form of an SMS message to the customer, who in turn sends it to the operating company

Otherwise, the flow of the charging process substantially corresponding to the charging operation, as described in relation to Figure 1 and will therefore not be explained further However, the Aufladeanforderungsdaten, for example, in the charging process as shown in FIG 3, only the indication of the amount of deposit (the amount) and a transaction number (TAN), so that the intermediate station can uniquely determine which pin number to charge the customer's account must be used to provide the desired number of units of value In the case that the charged is an account associated with a prepaid card of a mobile phone that can customer identifier KID representing the call number of the mobile phone and be sent with the PIN number from the mobile phone of the customer to the operating company This allows the operating companies, ie the network operator or service provider of the corresponding mobile network, after charging the corresponding customer n immediately confirm the charging, for example, in the form which is sent to the mobile telephone an SMS message,

According to a further preferred embodiment of the present invention, the payment point POS can in turn be designed as a so-called "Aufladeautomat" Here, preserving the customer a printed output in the form of a ticket as confirmation of payment or charging according to another variant, containing the ticket the PIN number which enables charging the customer's account to the specific number of units of value corresponding to the deposit

A significant advantage of the inventive process of charging a customer account that is associated with a prepaid card, and the appropriate charging system is then that no longer have to be generated the usual in the prior art "Aufladekarten" and marketed Thus saving needed for this purpose commodities In particular, the logistical expiration be significantly simplified and charging a customer account can now take place online, which is a convenient solution for prepaid card users and simplifies the effort to manage prepaid customer accounts

The payment locations may also be formed by computers that are connected over the Internet with the intermediate station or the network operator In this case, the payment can be made according to conventional e-commerce options such as entering a credit card number, etc.

More details posted for the present invention are apparent from the following discussions produced a further object of the invention is, therefore, in order to avoid. the object of value

to create a "prepaid card" a method and a device of the type mentioned in the introduction or from the amount of money deposit takes place electronically or works. The erfindungsgemäfie method, this object expectorant, characterized in that the Kundpπnummer / Einzahlυng information by means of the payment point-input is input apparatus of the Einza lung-payment point that the entered customer is passed πum- iner / deposit information from the deposit-payment center to the intermediate station, that the intermediate station durchfuhrt the credit check of the deposit-payment point and that after the credit check is given DIE customer account / deposit information from the intermediate station to the operating companies.

A preferred inventive author Ahren runs after the deposit from completely electronically, d. H . it works with an electronic system, with only changes to the customer that the Kundeπnnmmeτ / Eiπ7.ah1uπg-Informatiόn is now inputted to the payment position input device, which is for example a keyboard. The payment point is the 'Kundennuni- mer / deposit information to the intermediate station on and has no vorausfinan-: ed to keep repaidkarten stock. The intermediate station check by means of the credit check whether the respective payment agency has proper operation in connection with the customer account charging. To the proper operation include, inter alia, that a customer account / deposit information is disclosed only following the actual deposit and that the deposit money amount is passed on and passed on. "If the payment station is in negative at the intermediate station, the customer account / payment information is rejected. If the payment point 'at the intermediate station is in positive, the customer account / payment information to the operating company will receive the customer receives the confirmation of the charge. as known per se, for example by the operating company, for example, by means of the mobile phone on its displa.

The inventive method is realized by means of electronics and software or computer programs. For example, are installed at the operating companies, the intermediary and the payment agencies computers that are connected to each other via the electronic communications network. The credit check takes place electronically, with data being entered into the computer the intermediate station, which relate to the individual payment locations. The stopover is particularly important because it has to check the creditworthiness of payment positions, not the customer in the inventive process. The credit check is a safety check and an identity check and ensure that the information received from the payment point are correct. The confirmation charging is given for example by the operating companies to the intermediate station and from there to the customer.

It is conceivable to carry out the method according to the invention with only one operating companies. A particularly convenient and advantageous, it is, however, multiple operating companies are provided and identifies the customer number / deposit information of the operating company and when the intermediate station which assigns the respective specified operating companies in their incoming customer account / payment information. The intermediate station has now additionally important to sift through the submitted ID / deposit information in terms of the Operating Company and distribute to the appropriate operating companies. The intermediate station has become a central processing facility.

The existing distribution network: Operating Company - Manufacturers - Logistics - stop - payment point - customer for prepaid cards is not required, thus the expenses are significantly reduced. The payment parts is equipped with a car parked in the inventive process software. The payment shall give the customer for the paid amount of money as before a printed bill. The operating company is, for example, a network operator of a mobile radio network. The credit check identifies the particular payment point and checks their proper operation. It is carried out as before in the known method, a flow of money from the payment position to the intermediate station and / or to the operating company.

Particularly convenient and advantageous if the intermediate station with the respective payment point confirms receipt of ormation Kundenmim mer / deposit-Inf and / or when the operating company of the intermediate station acknowledge receipt of the ID / deposit information is. This increases the safety of the operation of the method according to the invention. Particularly useful and advantageous, it is also, when each payment parts is equipped with a data provided with credit check control card that is input for inputting the customer number / deposit information at the payment point. This control card is inserted, for example, in the payment point in their computers to read the data. The control card facilitates credit check. Under Computer of payment point not only a handler computer is meant here, which is operated by a dealer, but also a computer of a terminal, which is operated by the customer.

The location of each payment associated control card contains stored information and is, for example, a smart card and that, for example, a pure memory card and in the cone a processor card. Querying the coming from the control card information is part of the credit check, which is carried out at the intermediate station. For example, designed as a processor card control card can be trained personal and while parked in a particular operator in the payment point. The control card, especially designed as a processor card control card is important if the communication network over which the intermediate station is connected to the Operating Company, an open-access communication network such as the Internet.

A particularly convenient and advantageous, it is then when the payment site is a deposit machine that has the payment point input device and having an amount of money accepting Einzahleinrichtung and forwarding the customer num mer / releases payment information. Such automated payment point takes like a parking meter funds and is then effectively and that to the extent that the input by the customer Knnrl ' "nnιιmmpr / Fin7.ahlιιng-Tnformatioπ is passed.

In the inventive process is usually the account is not guided in monetary terms, but in value units, each corresponding to a value unit of return. It is purchased at Gegenleistung- value units so to speak, a certain amount and for such consideration, the customer can have. This is intended for mobile phone case be purchased from the telephone units and managed on the customer, the customer can use this phone units. In this case, the operating companies only one type of compensation available. The deposit a sum of money is the order of a service and with a corresponding amount of money the number of value units. The inventive process generally operates using an authorization center, which authorizes the payment parts as such, and equips the payment locations with the required for their legitimacy and identification information, for example, supplies the payment points with the control cards. This authorization position is provided, for example at the intermediate station, as they shall perform the credit check.

The invention also provides for achieving the stated object, an apparatus of the type mentioned before, which is characterized in that the payment site of with their computer and its input device, the electronic communication network between the payment station and the intermediate station and the intermediate station with their computer for processing ID deposit information are formed / in that the intermediate station is arranged with their computer to perform the credit check per customer number / deposit information by means of a range for credit check, and that the intermediate station with their computer, the electronic Kommunikationsnctz between the intermediate station and the operating carrier and the operating company is formed with its client accounts forming computer for transferring the ID / deposit information from the intermediate station to the associated account in the operation of business.

The transfer of information between the respective payment station and the intermediate station on the one hand and / or between the intermediate station and the respective operating company is usually encrypted or coded. There is therefore a so-called secure. The backup is performed eg according to the method Einmai- password. Such a secure connection is particularly important if the intermediate station and the operating companies are geographically separate locations.

It is conceivable to design the intermediate station as a part of the operating company, said computer the intermediate station and the computer of the operator's form a uniform overall computer. In general, however, the operating companies and the intermediate station are geographically separate locations and various economic enterprises. The operation of the intermediate station automatically expire normally.

The provided in the inventive device with regard to ID / Einzahlung- information and credit check training is realized that computer programs by means of software. The computer of the payment points, the computer the intermediate station and the computer of the operating company of the required software to be with the respective software is equipped for example in the form of an electronic component before

According to a particular aspect of the present invention is in a method for recharging a prepaid customer account, the customer account of an established by many at an operating company prepaid customer accounts where each customer is assigned or account a customer number A variety of payment bodies is provided, which the customer accounts of the operator's are associated and are each a payment point-input device having an intermediate station on the one hand the payment points and the other part associated with the operating company, the operating company, the intermediate station and the pay points are connected to an electronic communications network a customer makes for his customer account at one of the payment provide a sum of money deposit wherein a customer account of this and this deposit reproducing information is input using an input device, and is given to the Betπebsunterπehmen under charging the customer's account, the customer is confirmed by the intermediate station a Bonitatsprufung each payment point is durchfuhrbar and the customer number / Emzahlung information is inputted by means of the payment point-Eingabegerats the deposit-payment point so that this is the entered ID / deposit information from the deposit-payment center to the intermediate station, between the station durchfuhrt Bonitatsprufung Einzahlung- the payment agency and the customer account / Einzahlung- information is given from the intermediate station to the operating carrier by Bonitatsprufung

According to a further aspect of the present invention, a plurality Betπebsuπternehmen are provided and identifies the customer number / deposit information of the Betπebsuntemehmen, so that the intermediate station assigns the incoming her customer account / deposit information to the respective specified Operating Company

According to a further aspect of the present invention, the intermediate station of the respective payment point confirms receipt of the ID / Einzahlung- information according to another aspect of the present invention confirmed the operating company of the intermediate station the input of the customer number / information Einzahlung-

According to a further aspect of the present invention, each payment parts is equipped with a data provided with Bonitatsprufung control card that is input for inputting the customer number / deposit information at the payment point

According to a further aspect of the present invention, the payment station is a deposit machine that has the payment point-input device and having an amount of money accepting Einzahleinrichtung and forwarding the ID / deposit information frees

According to another aspect of the present invention, an apparatus for implementing the method comprises in accordance with any of the aspects described above, an operating company, which is provided with a computer, which forms a plurality of electronic customer accounts, the computer regarding each customer's account for the delivery of a customer account boot-Confirmation is formed on a customer receiving device, a bestuckte with a computer intermediate station and each provided with a computer and a Eingabegegerat bestuckte payment points, the intermediate station and the payment parts connectable to an electronic communication network, the payment point with her computer and its Emgagegerat, the electronic communication network between the payment station and the intermediate station and the intermediate station with their computers are designed to process the customer number / deposit information the intermediate station is connected to her computer for carrying out the Bo nitatsprufung per Kundenπummer / Einzahlung- information formed by means of an area for Bonitatsprufung and the intermediate station with their computer, the electronic communication network between the intermediate station and the operating company and the operating company forming with its client accounts computers for transferring the ID / deposit information from the intermediate station formed on the associated account in the operation of business

Claims

claims:
1. A method for charging a customer account of telecommunications services to a desired number of units of value, wherein the customer account associated with a prepaid module or a prepaid card and from a
Telecommunications service offering network operator is guided and wherein the method comprises the steps of
Pay the desired number of units of value to a payment point,
Building an online connection between the pay components and the network operator or between the payment point and an intermediate station,
Transmitting a Kundenkontoaufladeanfrage of the payment parts to the network operator or the intermediate station, said request containing at least information posted for the corresponding customer account, as well as information from which the number of paid value units derived, let
Receiving the Kundenkontoaufiadeanfrage by the network operator or by the intermediate station and identifying the requesting payment parts
Check the creditworthiness of the payment location by the network operator or by the intermediate station,
Send a tested Kundenkontoaufladeanfrage to the network operator of the intermediate station with positive Bonitatsprufung through the intermediate station, and
Charging of the corresponding customer account by the network operator with a positive Bonitatsprufung or upon receipt of a tested Kundenkontoaufladeanfrage from the intermediate station A method according to claim 1, characterized in that the intermediate station can be called up value units to charge the customer's account shopping at a network operator and such pre-funded value units following the positive Bonitatsprufung assigning a particular customer account and send this allocation in the context of the tested Kundenkontoaufladeanfrage to the network operator and the network operator the appropriate account to use the corresponding, pre-funded from the intermediate station value units aufladt
A method according to claim 2, characterized in that the intermediate station for the pre-funded units of value in the context of the tested Kundenkontoaufladeanfrage mitsendet an identification number to the network operator, by means of which the network operator can identify the corresponding number of value units to be charged
A method for charging a customer account of telecommunications services to a desired number of units of value, wherein the customer account associated with a prepaid module or a prepaid card from a customer and is guided by a telecommunications service-providing network operators and the method comprising the steps of
Shopping PIN numbers representing retrievable value units to charge the customer's account, by a network operator through an intermediate station,
Pay the desired number of units of value by the customer to a payment point,
Building an online connection between the payment station and the intermediate station,
Transmitting a Kundenkontoaufladeanfrage of the payment parts at the intermediate station, said request containing at least information from which the number of paid value units derived, let receiving the Kundenkontoaufladeanfrage by the intermediate station and identifying the requesting payment parts,
Check the creditworthiness of the payment location by the intermediate station,
Send a PIN number that represents the desired number of retrievable value units, from the intermediate station to the payment center or to the customer, with positive Bonitatsprufung by the intermediate station
Transferring the PIN number of the payment center or by the client to the network operator, and
Charging of the corresponding customer account by the network operator
A method according to claim 4, characterized in that the intermediate station transmits the PIN as an SMS message to the customer
A method according to claim 4, characterized in that the intermediate station transmits the PIN number to the payment point and this provides the PIN to the customer
A method according to any one of claims 1 to 6, characterized in that the telecommunications service is a mobile service
Method according to one of claims 1 to 7, characterized in that the payment point jointed via an input terminal through which the online connection with the network operator or the intermediate station is set up and in the input to the information contained in the Kundenkontoaufladeanfrage is
Method according to one of claims 1 to 8, characterized in that the Kundenkontoaufladeanfrage contains the telephone number associated with the customer account to be charged method according to any one of claims 1 to 9, characterized in that the Kundenkontoaufladeanfrage contains a customer account number
Method according to one of claims 1 to 10, characterized in that the Kundenkontoaufladeanfrage contains an identification number that is assigned to the requesting payment parts
A method according to any one of claims 1 to 11, characterized in that a plurality of network operators to participate in the process and that the Kundenkontoaufladeanfrage contains an identification number which is associated with a particular network operator
A method according to any one of claims 1 to 12, characterized in that the intermediate station is formed by an intermediate commercial enterprises
Method according to one of claims 1 to 13, characterized in that the payment parts is formed by a telephone shop
Method according to one of claims 1 to 14, characterized in that the payment part is formed by an automaton
System for charging a customer account of telecommunications services to a desired number of units of value, wherein the customer account associated with a prepaid module or a prepaid card and is guided by a telecommunications service offering network operator, comprising at least one payment parts, an intermediate station and at least one network operator, and an electronic communications network,
each payment point is connected to the intermediate station via the electronic communications network, and wherein
each payment parts having a payment receiving means for receiving a monetary amount for a desired number of units of value,
a communication means for establishing an online connection via the communication network to the intermediate station, and
a transmitting means for transmitting a Kundenkontoaufladeanfrage to the intermediate station, said request containing at least information on the corresponding customer account as well as information from which the number of paid value units derived, let
the intermediate station comprises
receiving means for receiving the Kundenkontoaufladeanfrage via the communication network from the payment parts,
a processing means, for identifying the requesting payment parts, as well as to a transit through a Bonitatsprufung the payment point, and
a transmitting means for transmitting a checked Kundenkontoaufladeanfrage to a network operator in the event of a positive Bonitatsprufung, and
having each network operator
a receiving device for receiving the certified
Kundenkontoaufladeanfrage, and
a processing means for charging the customer account corresponding to the desired number of units of value in connection with the receipt of a tested Kundenkontoaufladeanfrage charging system according to claim 16, characterized in that the intermediate station additionally comprises
a PIN server, are stored in the PIN numbers, which are vorfiπanziert from the intermediate station and representing retrievable value units for charging of customer account, and
assigning means for assigning a PIN number to a specific customer account
A method for charging a customer account by a desired number of units of value on a pay site, the customer account associated with a prepaid module or a prepaid card and is guided by an operating company, comprising the steps of
Inputting data representing a request for charging the customer's account to the desired number of units of value, in an input device of the payment point,
Transferring the data from the payment point to the operating companies, and
Charging the customer's account to the desired number of units of value by the operating company
PCT/EP2001/000836 2000-02-22 2001-01-25 Method for charging a customer account for telecommunication services and corresponding charging system WO2001063569A1 (en)

Priority Applications (4)

Application Number Priority Date Filing Date Title
DE10008132.0 2000-02-22
DE2000108132 DE10008132A1 (en) 2000-02-22 2000-02-22 Method for boosting a customer account for telecommunications services by a desired number of value units and corresponding boosting system assigns a customer account to a prepaid module or a prepaid card.
EP00116788.1 2000-08-03
EP20000116788 EP1128340A1 (en) 2000-02-22 2000-08-03 Method for loading a client account for telecommunication services and associated loading system

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
AU4054701A AU4054701A (en) 2000-02-22 2001-01-25 Method for charging a customer account for telecommunication services and corresponding charging system

Publications (1)

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