WO2001063569A1 - Procede pour alimenter un compte client de services de telecommunication et systeme de chargement correspondant - Google Patents

Procede pour alimenter un compte client de services de telecommunication et systeme de chargement correspondant 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
customer account
intermediate station
network operator
customer
request
Prior art date
Application number
PCT/EP2001/000836
Other languages
German (de)
English (en)
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 claimed from DE2000108132 external-priority patent/DE10008132A1/de
Application filed by Brodos Ag filed Critical Brodos Ag
Priority to AU2001240547A priority Critical patent/AU2001240547A1/en
Publication of WO2001063569A1 publication Critical patent/WO2001063569A1/fr

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Classifications

    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
    • H04W4/24—Accounting or billing
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/342—Cards defining paid or billed services or quantities
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F17/00—Coin-freed apparatus for hiring articles; Coin-freed facilities or services
    • G07F17/0014—Coin-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
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/02—Mechanisms 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
    • G07F7/025—Mechanisms 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
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H04M17/20—Prepayment of wireline communication systems, wireless communication systems or telephone systems with provision for recharging the prepaid account or card, or for credit establishment
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W88/00—Devices specially adapted for wireless communication networks, e.g. terminals, base stations or access point devices
    • H04W88/02—Terminal devices

Definitions

  • the present invention relates to a method for charging a customer account for telecommunications services and to a corresponding charging system
  • Telephone cards represent a simple embodiment of the so-called prepaid cards.
  • Prepaid cards are generally credit cards with respect to a previously paid amount.
  • a major disadvantage of such prepaid cards is that they are not rechargeable and therefore not reusable, which is the case with the very high number of tickets sold annually leads to a large gauze production and a corresponding environmental impact
  • SIM Subscriber Identity Module
  • PIN Personal Identification number
  • the SIM or prepaid card is assigned to the corresponding network operator who supports the prepaid mobile phone, a customer account from which prepaid value units can be called up.
  • the customer account number preferably corresponds to the PIN number
  • the user pays when the cash card is purchased a certain number of units of value, which he then uses up again by using telecommunication services.
  • the user calls the corresponding network operator via a free telephone number, via which he connects to an IVR (interactive voice response) service
  • IVR interactive voice response
  • the IVR service asks the user to enter a code number on the cash card, which can be a PIN number, using the keypad of their mobile phone.
  • the network operator receives the code number in connection with the prepaid data Card or the SIM module and can therefore determine which number of units of value is to be credited to which customer account.
  • the code number is usually transmitted using the respective mobile phone, with the top-up carried out confirming the mobile subscriber preferably by sending a short notification in the form of an SMS (Short Message Service) message becomes
  • FIG. 4 shows a charging method according to the prior art on which at least one operating company, a manufacturer, logistics company,
  • the operating company is a network operator of prepaid cards and / or cash cards manufactured by the manufacturer, who in turn passes the cards through delivers the logistics company to the middleman.
  • the middlemen receive corresponding prepaid cards and / or cash cards not only from one but from different network operators and pass this large number of cards on to the POS payment points.
  • a prepaid customer who owns a prepaid Card is and would like to top up the corresponding customer account managed by a network operator by a certain number of value units, acquires a cash card in a payment part POS, whereby he pays the payment agent an amount equal to the number of value units that the cash card has assigned, corresponds to To top up the customer account, the PP customer transfers d he code number on the cash card to the IVR service, which is usually operated by the operating company that tops up the corresponding customer account
  • a disadvantage of this method is that with the steadily increasing number of mobile radio subscribers using prepaid card telephones, a large number of cash cards have to be produced and distributed.
  • Another disadvantage is that the cash cards have a value and are therefore of the Payment points POS have to be pre-financed. Any card loss before the final sale to the end customer is therefore charged to the payment points POS or the telephone shops
  • the present invention is based on the object of creating a possibility of being able to load customer accounts for telecommunications services more easily and more securely
  • the object of the present invention is achieved by a method for charging a customer account for telecommunications services by a desired number of value units, the customer account being assigned to a prepaid module or a prepaid card and being managed by a network operator offering the telecommunications service.
  • Module is understood to be a data carrier that individualizes a telecommunication terminal, such as a mobile radio telephone and authorizes the use of a telecommunication service.
  • the prepaid module can be formed by a stored code, in the most common case by a prepaid card
  • the method according to the invention has the following steps: paying the desired number of value units to a paying agent, establishing an online connection between the paying agent and the network operator or between the paying agent and an intermediate station, transmitting a customer account loading request from the paying agent to the network operator or the intermediate station, the request at least containing information relating to the corresponding customer account and information from which the number of value units paid is derived lets the network operator or the intermediate station receive the customer account recharge request and identify the requesting payment parts, the network operator or the intermediate station verifies the creditworthiness of the paying agent, sends a verified customer account recharge request to the network operator from the intermediate station in the event of a positive bomb check by the intermediate station and recharges the corresponding one Customer accounts through the network operator in the event of a positive credit check or when a verified customer account top-up request is received from the intermediate station
  • 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
  • a customer account for telecommunications services which is assigned to a prepaid module or a prepaid card, is charged online.
  • a major advantage of such online charging is that the production of cash customary in the prior art - Cards are omitted, which saves raw materials, garbage is avoided, the logistical processes are simplified and, in particular, the loading process is accelerated. Furthermore, the pre-financing of the cash cards by the paying agents, which is necessary in the prior art, is eliminated
  • the telecommunications service offered by the network operator is a mobile radio service.
  • the payment parts have an input terminal which is used to establish the online connection with the network operator or with the intermediate station and into which the Information contained in the customer account top-up request is entered.
  • This customer account top-up request preferably contains the telephone number which is assigned to the customer account and / or a customer account number and / or an identification number which is assigned to the requesting paying agent
  • the customer account top-up request containing an identification number which is specific to a particular one
  • the intermediate station can also be formed by an intermediary company and the paying agent by a telephone shop
  • performing a credit check with respect to payment points not only comprises a simple check of the solvency, but rather the intermediate station or the network operator preferably checks the payment morale and history of the requesting payment parts Database data are collected, which are queried each time the credit check is carried out. Different criteria can be selected in order to arrive at a positive or negative result in the credit check, for example solvency in arrears or exceeding a specified credit line
  • the top-up of the customer account for telecommunication services can be carried out by a desired number of value units starting from a so-called top-up machine.
  • the top-up machine can replace both the payment point and the payment parts and the intermediate station. It is possible that such automatic teller machines, similar to conventional cash machines, are each managed by different network operators, whereby, based on an automatic teller machine of a specific network operator, a customer account of another network operator could also be charged for a predetermined fee
  • the intermediate station can purchase callable value units for charging a customer account from a network operator and assign pre-financed value units of this type to a specific customer account after the positive credit check.
  • the intermediate station can have cash cards or PIN numbers purchases from a large number of network operators and manages the code numbers or PIN numbers contained on the respective cash cards by means of a so-called PIN server, each PIN number representing available units of value from a specific network operator
  • the pre-financed value units assigned to the specific customer account are sent from the intermediate station as part of the verified customer account top-up request to the network operator, who tops up the corresponding customer account by the corresponding value units pre-financed by the intermediate station.
  • the checked customer account top-up request is not just the information to the network operator to top up a customer account, but also information about which pre-financed PIN number should be used as the equivalent
  • the method can have the following steps: purchase of code numbers or PIN numbers, which represent callable value units for charging the customer account by a network operator through an intermediate station, paying the desired number of value units to a paying agent, Establishing an online connection between the payment parts and the intermediate station, transmitting a customer account loading request from the paying agent to the intermediate station, the request at least containing information from which the number of value units paid can be derived, receiving the customer account loading request by the intermediate station and identifying the requesting parties Paying agent, checking the creditworthiness of the paying agent by the intermediate station, sending a specific PIN number, which represents the desired number of available units of value from the intermediate station to the payment or to the customer in the event of a positive credit check by the intermediate station, transfer of the PIN number to the network operator by the paying agent or the customer and loading the corresponding customer account by the network operator
  • the paying agent can either send this PIN number directly to the network operator to top up the corresponding customer account or transfer the PIN number to the customer, who then sends it to the Network operator transmits to top up the customer account.
  • this can be done, for example, by sending a message using an SMS service
  • FIG. 1 shows a flowchart to illustrate a charging process according to a first
  • FIG. 2 is a block diagram illustrating a charging system according to the present invention.
  • FIG. 3 shows a flowchart to illustrate a charging process according to a second variant of the present invention
  • FIG. 1 shows a flowchart to illustrate the sequence of a top-up process of a customer account in accordance with a particularly preferred embodiment of the present invention, the customer account being assigned to a customer's prepaid card and the customer charging his customer account via a payment point POS and an intermediate station
  • the operating company can be, for example, a network operator or network operator, ie an operator of a mobile radio network or a fixed network, or an Internet provider.
  • the customer account is preferably topped up "online" in order to ensure that the customer account is charged online , the payment point POS, the intermediate station and the operating company are connected via an electronic communication network
  • the customer who wishes to top up his customer account by a certain number of value units pays an amount in the POS that corresponds to the number of value units.
  • the units of value represent telephone units or monetary units.
  • the deposit can be made at any time, ie before, during or after loading, by means of used means of payment, such as cash, check or credit card
  • data is entered into an input device available at the payment point, which represents a request to top up the customer account by the certain number of value units.
  • These top-up request data which represent a customer account top-up request, are transmitted from the paying agent POS to the intermediate station for entering the top-up request data
  • a computer or terminal is preferably used, which has at least one display device, a keyboard and preferably also a reading device for chip cards.
  • the display device and the keyboard can be combined as a touch-sensitive display, ie as a "touchscreen"
  • the top-up request data include, for example, the specification of the amount of the deposit (amount), a transaction number (TAN) and a customer identification feature (KID), so that the operating company can clearly determine which customer account is to be top-up by how many value units.
  • the top-up request data can include Identification number (POS ID) with regard to the data transferring payment point POS, which enables a clear determination of the payment parts POS.
  • POS ID Identification number
  • This clear identification of the payment point POS allows the intermediate station to carry out a credit check of the corresponding payment point POS after receipt of the loading request data, whereby the correct functioning of the payment point is checked
  • This credit check is therefore a security check and / or an identity check, which ensures that the information transmitted by the paying agent is correct
  • the intermediate station forwards the top-up request in the form of a verified top-up request to the operating company that manages the corresponding customer account
  • the operating company determines the corresponding customer account and carries out the top-up by the certain number of value units.
  • the operating company then transmits one Confirmation of the top-up carried out to the intermediate station, which in turn forwards this confirmation to the payment point POS
  • the customer identification feature KID can represent the call number of the corresponding mobile phone. This enables the operating company, ie the operator of the corresponding mobile network, to charge the corresponding customer immediately after charging For example, in the form of an SMS message that is sent to their cell phone, to confirm In the event that the customer account to be charged is assigned to a prepaid card that is intended for use in the fixed network or the Internet, the charge is confirmed to the Customers preferably through the POS payment point
  • the payment parts POS can be designed as a so-called “top-up machine”.
  • a top-up machine can, for example, be designed similarly to a ticket machine.
  • the customer makes a payment in the form of cash or by means of a check or credit card and provides data into an input device of the loading machine, which represent a request to top up his customer account by a certain number of value units.
  • the input device of the loading machine has a display device and a keyboard, which are preferably combined as a touch-sensitive display, ie as a "touchscreen” the automatic loading device has a reading device for chip cards, preferably for reading check or credit cards.
  • the processing of the data in the automatic machine takes place fully automatically, for example by executing a suitable one Software program Then the customer receives a printed version in the form of a ticket as confirmation of the deposit.
  • the ticket confirms that the customer account has been loaded by the certain number of value units that correspond to the deposit
  • an automatic charging device can send the entered data to the intermediate station, which manages the corresponding automatic charging device and, in turn, as described above, forwards the data to the operating company. Similar to the automatic charging device, the processing of charging requests in the Intermediate station also take place fully automatically, ie by means of exporting a suitable software program
  • the transaction number is preferably in two parts, one of the two parts representing an identification number, each of which is a specific one Operating company is assigned and the other part is any, preferably consecutive number.
  • the intermediate station can uniquely identify the operating company that manages the respective customer account and send the loading request data received from the payment parts POS to this operating company in the event that the paying agent POS is executed as a loading machine, one can preferably select from a variety of operating companies via a selection menu displayed in the display device and the selected operating company directly Send charging request data
  • the charging system comprises a plurality of operating companies 1, which are connected via an electronic communication network 6 are connected to an intermediate station 5, the intermediate station 5 in turn being connected to a plurality of payment parts 8 via an electronic communication network.
  • the operating companies 1 can be directly connected to the paying agents 8 via an electronic communication network.
  • Each operating company 1 operates a large number of Customer accounts 2
  • the administration of the customer accounts 2 is preferably carried out by means of at least one computer using suitable software programs
  • a large number of customers 4 with rechargeable prepaid cards can communicate directly with the operating company 1 via an electronic communication network 3, for example to query the status of the respective customer account 2, the electronic communication network 3 being, for example, a mobile network or a fixed network.
  • the electronic communication network 3 being, for example, a mobile network or a fixed network.
  • a customer can 4 Query information about his customer account via the Internet or via SMS
  • information can be sent from the respective operating company 1 to the customer 4, such as a top-up confirmation or a request to top up the corresponding prepaid card if the corresponding one Customer account is empty
  • the input device 9 is preferably designed as a computer or terminal which, in particular, can have at least one display device, a keyboard and a reading device for chip cards the display device and the keyboard are combined as a touch-sensitive display, ie as a "touchscreen".
  • Data are entered into the input device 9 in the payment point 8, which represent a request to top up the customer account by the certain number of value units and via the communication network 6 to the Intermediate station 5 are transmitted
  • the terminals can each have a card reader into which a chip or magnetic card can be inserted.
  • the reading device reads out data that is stored on the respective card.
  • the reading can be done in a contact-based or contactless manner by means of transponder technology Intermediate station or, alternatively, is issued to the payment points by a corresponding network operator.
  • the card stores data which, when read out by the reading device and delivered to the intermediate station or to a network operator via an electronic network, preferably the Internet, enable the recipient to recognize that the inquirer is actually authorized for such an inquiry. In simple terms, this means that only authorized dealers are handed these cards and the intermediate station or a network operator on the basis of the data read from the card and sent to it, can recognize that it is an authorized handler
  • the information that is stored on the corresponding cards represents a clear identification with regard to the paying agent and, in the preferred case, represents an electronic certificate that can be recognized by the received intermediate station or by the received network operator as automation
  • the authorization cards described above thus represent a proof of access authorization and lead to increased security of the system.
  • the access authorization system created in this way can be present or set in addition to the creditworthiness check. If the reliability of the automation card is perceived as sufficient, a creditworthiness check can be omitted, because in this If it is assumed that the person who is in possession of such a card also has sufficient creditworthiness or that a credit check for this user is superfluous.
  • the cards mentioned are used, they are used from the beginning only the inquirers are admitted, for whom the data shown on the card prove the necessary identification. Not everyone can communicate with the host server Contact us, but only the previously authorized persons or dealers.
  • the cards read from the automation card are sent together with the actual charging request data from the paying agent 8 to the intermediate station or to the network operator
  • the intermediate station 5 preferably first identifies the requesting paying agent 8 on the basis of the received data and carries out a credit check of these payment parts 8 by means of a checking unit 7 provided for this purpose, which in turn can be designed as a computer which carries out the credit check using suitable software programs Furthermore, the processing of the charging request data in the intermediate station 5 can also be carried out fully automatically, ie by means of computers and suitable software programs
  • the individual payment points 8 can be designed as automatic charging devices, the input devices 9 each having at least one display device and a keyboard, which are preferably combined in the form of a touch-sensitive display, ie a "touchscreen".
  • the automatic charging devices each have a reading device for chip cards , preferably for reading check or credit cards.
  • these top-up machines can immediately take over the function of the intermediate station 5, whereby again each operating company 1 can have their own top-up machines, which according to a particularly preferred embodiment of the present invention also serve to top up customer accounts of other operating companies to carry out, each operating company 1 manages its own customer accounts and a settlement of units of value sold or top-ups of customer accounts between the individual Radiou company 1 takes place
  • the intermediate station 5 manages all automatic charging devices and forwards all charging requests to the respective operating company 1. Thus, there is a billing between the intermediate station 5 and the individual operating companies 1
  • FIG. 3 shows a flowchart to illustrate the sequence of a top-up process of a customer account in accordance with a further, particularly preferred embodiment of the The present invention, wherein the customer account is assigned to a customer's prepaid card and the customer can be assigned a PIN number stored in a PIN server via a payment point POS and an intermediate station in order to top up his customer account, which is managed by an operating company.
  • the payment point POS, the intermediate station and the PIN server are connected to each other via an electronic communication network.
  • the operating company can be, for example, an operator of a mobile network or a fixed network, or an Internet provider.
  • the PIN number represents available units of value for loading the customer account
  • the PIN number can be sent from the intermediate station to the operating company which carries out the top-up of the corresponding customer account as part of the checked top-up request.
  • the PIN number can be sent from the intermediate station to the paying agent. The paying agent then sends the PIN number to the operating company to top up the corresponding customer account or provides the corresponding customer with the PIN number The PIN number is then preferably sent by the customer to the corresponding operating company, which tops up the customer's customer account.
  • the Intermediate station the PIN number preferably in the form of an SMS message to the customer, who in turn sends this to the operating company
  • the course of the charging process essentially corresponds to the charging process as described in relation to FIG. 1 and is therefore not further explained.
  • the charging request data in the charging process according to FIG. 3 only include, for example, only the amount of the deposit (amount) and a transaction -Number (TAN), so that the intermediate station can clearly determine which PIN number must be used to top up the customer account by the desired number of units of value.
  • the customer account to be charged is assigned to a prepaid card of a mobile phone, this can Customer identification feature KID represent the call number of the corresponding mobile phone and is sent with the PIN number from the customer's mobile phone to the operating company. This enables the operating company, ie the network operator or network operator of the corresponding mobile network, after charging the corresponding customer to confirm the charging, for example in the form of an SMS message that is sent to their mobile phone
  • the payment point POS can in turn be designed as a so-called "top-up machine".
  • the customer receives a printed version in the form of a ticket as confirmation of the deposit or top-up.
  • the ticket contains the PIN number , which allows the customer account to be topped up by the certain number of value units that correspond to the deposit
  • a major advantage of the process according to the invention of a top-up process of a customer account which is assigned to a prepaid card, and of the corresponding top-up system, is then that the "top-up cards" customary in the prior art no longer have to be generated and sold. This saves the raw materials required for this In particular, the logistical processes are significantly simplified and a customer account can now be topped up online, which is a convenient solution for prepaid card users and simplifies the work involved in managing prepaid customer accounts
  • the payment points can also be formed by computers which are connected to the intermediate station or the network operator via the Internet. In this case, payment can be made in accordance with customary e-commerce variants, such as entering a credit card number, etc.
  • Prepaid card to create a method and a device of the type mentioned at the outset, which runs or works electronically from the deposit of money.
  • the method according to the invention is to solve this problem, characterized in that the customer number / deposit information provides of the paying agent input device of the deposit paying agent is entered, that the entered customer ⁇ uminer / deposit information is passed from the deposit paying agent to the intermediate station, that the intermediate station carries out the credit check of the deposit paying agent and that after the Credit check of the customer account / deposit information is given by the intermediary to the operating company.
  • a preferred procedure according to the invention takes place completely electronically after the deposit, i. H . it works with an electronic system, the only thing that changes for the customer is that the customer information is now entered on the payment device input device, which is, for example, a keyboard.
  • the paying agent passes on the ' customer number / deposit information to the intermediate station and does not have any pre-financed repaid cards in stock.
  • the intermediate station uses the credit check to check whether the respective paying agent has a proper working method in connection with the top-up of the customer account. Proper working methods include, among other things, that customer account / deposit information is only passed on after the deposit has actually been made, and that the deposit amount is passed on and forwarded. "If the paying agent at the intermediate station is marked negatively, the customer account / deposit information is rejected. If the paying agent ' at the intermediate station is marked positively, the customer account / deposit information is forwarded to the operating company. The customer receives the confirmation of the top-up as known per se, for example from the operating company, for example using the cell phone on its
  • the method according to the invention is implemented by means of electronics and software or computer programs.
  • computers are installed at the operating company, the intermediate station and the payment points, which are connected to one another via the electronic communication network.
  • the credit check is also carried out electronically, with data relating to the individual paying agents being entered in the computer of the intermediate station.
  • the intermediate station is of particular importance in the method according to the invention since it has to check the creditworthiness of the paying agents, not the customers.
  • the credit check is a security check and an identity check and ensures that the information received from the paying agent is correct.
  • the charge confirmation is e.g. given by the operating company to the intermediate station and from there to the customer.
  • the previous distribution network operating company - manufacturer - logistician - intermediate station - payment point - customer for the prepaid cards has been eliminated, which means that the costs are significantly reduced.
  • the payment parts are equipped with software that is based on the method according to the invention.
  • the paying agent will give the customer a printed receipt for the amount of money deposited.
  • the operating company is e.g. a network operator of a mobile radio network.
  • the credit check identifies the respective paying agent and checks that it is working properly. As in the known method, there is a cash flow from the payment point to the intermediate station and / or to the operating company.
  • the intermediate station confirms the receipt of the customer room / deposit information at the respective payment point and / or if the operating company of the intermediate station confirms the receipt of the customer number / deposit information.
  • This increases the security of the function of the method according to the invention.
  • each payment part is equipped with a control card which is provided with data for the credit check and which is entered at the paying agent in order to enter the customer number / deposit information.
  • This control card is inserted, for example, at the paying agent's computer to read the data.
  • the control card simplifies the credit check.
  • the computer of the paying agent does not only mean a handler computer that is operated by a dealer, but also a computer of a terminal that is operated by the customer himself.
  • the control card assigned to each paying agent contains stored information and is e.g. a smart card, e.g. a pure memory card and in the cone a processor card. Querying the information coming from the control card is part of the credit check that is carried out at the intermediate station.
  • the e.g. Control card designed as a processor card can be trained in a person-specific manner, specifically for a specific operator at the payment point.
  • the control card, in particular the control card designed as a processor card is important if the communication network via which the intermediate station is connected to the operating company is a freely accessible communication network such as the Internet.
  • the paying agent is a deposit machine that has the paying agent input device and has a payment device that accepts the amount of money and releases the forwarding of the customer number / deposit information.
  • Such an automated payment point like a parking ticket machine, accepts sums of money and is then effective in that the knnrl ⁇ «nn ⁇ mmpr / Fin7.ahl ⁇ ng-Tnformatio ⁇ entered by the customer is passed on.
  • the customer account is generally not managed in monetary units, but in units of value, each of which corresponds to a unit of value for a consideration.
  • a certain amount of consideration value units are bought, so to speak, and the customer can then dispose of this consideration.
  • the operating company only provides one kind of consideration.
  • the payment of an amount of money is the order of this one service and with a number of value units corresponding to the amount of money.
  • the method according to the invention generally works by using an authorization point, which authorizes the payment parts as such and provides the payment points with the information necessary for their legitimation and identification, for example, supplies the payment points with the control cards.
  • This authorization point is provided at the intermediate station, for example, because it has to carry out the credit check.
  • the invention also provides a device of the type mentioned in order to achieve the object, which is characterized in that the paying agent with her computer and her input device, the electronic communication network between the paying agent and the intermediate station and the intermediate station with her computer for processing the Customer number / deposit information are designed so that the intermediate station is designed with its computer to carry out the credit check per customer number / deposit information by means of a credit check area, and that the intermediate station with its computer, the electronic communication network between the intermediate station and the operating company and the operating company is trained with its computer forming the customer accounts for transferring the customer number / deposit information from the intermediate station to the assigned customer account with the operating company.
  • the transmission of the information between the respective paying agent and the intermediate station on the one hand and / or between the intermediate station and the respective operating company is generally encrypted or coded. So there is a so-called secure connection.
  • the backup takes place e.g. according to the one-time password procedure.
  • Such a secure connection is particularly important if the intermediate station and the operating company are geographically separated from each other.
  • the intermediate station is conceivable to design the intermediate station as a component of the operating company, the computer of the intermediate station and the computer of the operating company forming a uniform overall computer. As a rule, however, the operating company and the intermediate station are geographically separated from each other and different economic companies. The intermediate station usually runs fully automatically.
  • the training provided in the device according to the invention with regard to customer number / deposit information and creditworthiness check is implemented by means of software, ie computer programs.
  • the computers of the paying agents, the computers of the intermediate station and the computers of the operating company are
  • the software is available, for example, in the form of an electronic module
  • the customer account is one of many prepaid customer accounts set up at an operating company, with each customer or customer account being assigned a customer number.
  • a large number of payment points are provided, which correspond to the operating company's customer accounts are assigned and each have a paying agent input device.
  • An intermediate station is assigned on the one hand to the paying agents and on the other hand to the operating company, the operating company, the intermediate station and the paying agents being connected to an electronic communication network.
  • a customer makes a cash payment for one of the paying agents for his customer account , wherein information reflecting this customer account and this deposit is entered by means of an input device and is given to the operating company while the customer account is being charged, to the customer
  • a confirmation of the creditworthiness of each paying agent can be carried out by the intermediate station and the customer number / payment information is entered by means of the paying agent input device of the deposit-paying agent, so that the entered customer number / payment information is passed on from the deposit-paying agent to the intermediate station
  • a plurality of operating companies are provided and the customer number / deposit information is named by one of the operating companies, so that the intermediate station assigns the customer account / payment information received to the respective operating company
  • the intermediate station of the respective paying agent confirms the receipt of the customer number / deposit information
  • the intermediate operator confirms receipt of the customer number / deposit information
  • each payment part is equipped with a control card which is provided with data for checking the creditworthiness and which is entered at the paying agent for entering the customer number / deposit information
  • the paying agent is a deposit machine which has the paying agent input device and has a deposit device which accepts the amount of money and enables the forwarding of the customer number / deposit information
  • an apparatus for carrying out the method according to one of the above-described aspects comprises an operating company which is provided with a computer which forms a multiplicity of electronic customer accounts, the computer relating to each customer account for the delivery of a customer account.
  • Charge confirmation is designed for a customer receiving device, an intermediate station equipped with a computer and each with payment points equipped with a computer and an input device, the intermediate station and the payment parts can be connected to an electronic communication network.
  • the payment point with its computer and its emitting device, the electronic Communication network between the paying agent and the intermediate station and the intermediate station with their computer are designed to process the customer number / deposit information.
  • the intermediate station is with their computer to carry out the Bo Nitate check per customer number / deposit information is formed by means of an area for credit check and the intermediate station with its computer, the electronic communication network between the intermediate station and the operating company and the operating company with its computer forming the customer accounts are for transferring the customer number / deposit information from the intermediate station trained to the assigned customer account at the operating company

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  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Signal Processing (AREA)
  • Accounting & Taxation (AREA)
  • Theoretical Computer Science (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Computer Security & Cryptography (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

L'invention concerne un procédé pour charger un compte client de services de télécommunication d'un nombre souhaité d'unités de valeur, ledit compte client étant affecté à un module ou à une carte à prépaiement et géré par un administrateur de réseau offrant le service de télécommunication. Ce procédé comprend les étapes suivantes : paiement du nombre désiré d'unités de valeur auprès d'un bureau de paiement ; établissement d'une liaison en ligne entre le bureau de paiement et l'administrateur de réseau ou entre le bureau de paiement et une station intermédiaire ; transmission d'une demande de chargement de compte client par le bureau de paiement à l'administrateur de réseau ou à la station intermédiaire, la demande contenant au moins des informations relatives au compte client correspondant ainsi que des informations sur le nombre d'unités de valeur payées ; réception de la demande de chargement de compte client par l'administrateur de réseau ou la station intermédiaire et identification du bureau de paiement émettant la demande ; contrôle du crédit du bureau de paiement par l'administrateur de réseau ou la station intermédiaire ; envoi d'une demande de chargement de compte client vérifiée à l'administrateur de réseau par la station intermédiaire, en cas de résultat positif de contrôle de crédit effectué par la station intermédiaire ; chargement du compte client correspondant par l'administrateur de réseau en cas de résultat positif du contrôle de crédit ou à la réception d'une demande de chargement de compte client vérifiée par la station intermédiaire.
PCT/EP2001/000836 2000-02-22 2001-01-25 Procede pour alimenter un compte client de services de telecommunication et systeme de chargement correspondant WO2001063569A1 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU2001240547A AU2001240547A1 (en) 2000-02-22 2001-01-25 Method for charging a customer account for telecommunication services and corresponding charging system

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
DE2000108132 DE10008132A1 (de) 2000-02-22 2000-02-22 Verfahren zur Aufladung eines Prepaid-Kundenkontos und Vorrichtung zur Durchführung des Verfahrens
DE10008132.0 2000-02-22
EP00116788.1 2000-08-03
EP00116788A EP1128340A1 (fr) 2000-02-22 2000-08-03 Méthode pour charger un compte client pour services de télécommunication et système de chargement associé

Publications (1)

Publication Number Publication Date
WO2001063569A1 true WO2001063569A1 (fr) 2001-08-30

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Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/EP2001/000836 WO2001063569A1 (fr) 2000-02-22 2001-01-25 Procede pour alimenter un compte client de services de telecommunication et systeme de chargement correspondant

Country Status (2)

Country Link
AU (1) AU2001240547A1 (fr)
WO (1) WO2001063569A1 (fr)

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2006066855A1 (fr) * 2004-12-21 2006-06-29 Giesecke & Devrient Gmbh Procede pour crediter un credit sur un compte pour des services de telecommunication prepayes sans utiliser de carte de debit
US7917123B2 (en) 2003-06-26 2011-03-29 Nokia Corporation Method and arrangement for realizing a prepaid subscription and a prepayment terminal and a cellular network terminal utilizing the method
CN110472214A (zh) * 2019-08-09 2019-11-19 深圳市好便捷网络科技有限公司 快递自助充单系统及使用方法

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DE4412727A1 (de) * 1994-04-13 1995-10-26 Siemens Ag Verfahren und Anordnung zum Abrechnen von Gebühren in einem Mobilfunksystem
EP0698987A2 (fr) * 1994-08-19 1996-02-28 Alcatel N.V. Méthode de comptabilité pour téléphonie
WO1996038801A1 (fr) * 1995-06-01 1996-12-05 American Express Trs Procedes et dispositif visant a fournir un compte client a prepaiement et a entree a distance
WO1996041462A1 (fr) * 1995-06-07 1996-12-19 Electronic Data Systems Corporation Systeme et procede de delivrance d'un reçu concernant des services telephoniques prepayes
WO1998025237A1 (fr) * 1996-12-06 1998-06-11 American Express Travel Related Services Company, Inc. Procedes et appareil destines a regenerer un compte a transaction preprovisionne
EP0848537A1 (fr) * 1996-12-12 1998-06-17 E-Plus Mobilfunk GmbH Procédé et dispositif pour recharger/réutiliser une carte téléphonique pour téléphones mobiles
WO1998047112A1 (fr) * 1997-04-15 1998-10-22 Stratex/Paradigm (Uk) Limited Procede de vente electronique, de distribution, et de recharge d'une valeur prepayee, appareil de vente et systeme electronique s'utilisant dans cet appareil
WO1999004548A1 (fr) * 1997-07-17 1999-01-28 Telefonaktiebolaget Lm Ericsson (Publ) Procede de prepaiement automatise destine aux terminaux mobiles
WO1999025106A2 (fr) * 1997-11-11 1999-05-20 At & T Corp. Procede et appareil permettant d'assurer un service telephonique a prepaiement sur un reseau informatique
WO1999052266A1 (fr) * 1998-04-04 1999-10-14 E-Plus Mobilfunk Gmbh Procede et dispositif pour recharger une carte de telephone portable ou permettre sa reutilisation

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* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
DE4412727A1 (de) * 1994-04-13 1995-10-26 Siemens Ag Verfahren und Anordnung zum Abrechnen von Gebühren in einem Mobilfunksystem
EP0698987A2 (fr) * 1994-08-19 1996-02-28 Alcatel N.V. Méthode de comptabilité pour téléphonie
WO1996038801A1 (fr) * 1995-06-01 1996-12-05 American Express Trs Procedes et dispositif visant a fournir un compte client a prepaiement et a entree a distance
WO1996041462A1 (fr) * 1995-06-07 1996-12-19 Electronic Data Systems Corporation Systeme et procede de delivrance d'un reçu concernant des services telephoniques prepayes
WO1998025237A1 (fr) * 1996-12-06 1998-06-11 American Express Travel Related Services Company, Inc. Procedes et appareil destines a regenerer un compte a transaction preprovisionne
EP0848537A1 (fr) * 1996-12-12 1998-06-17 E-Plus Mobilfunk GmbH Procédé et dispositif pour recharger/réutiliser une carte téléphonique pour téléphones mobiles
WO1998047112A1 (fr) * 1997-04-15 1998-10-22 Stratex/Paradigm (Uk) Limited Procede de vente electronique, de distribution, et de recharge d'une valeur prepayee, appareil de vente et systeme electronique s'utilisant dans cet appareil
WO1999004548A1 (fr) * 1997-07-17 1999-01-28 Telefonaktiebolaget Lm Ericsson (Publ) Procede de prepaiement automatise destine aux terminaux mobiles
WO1999025106A2 (fr) * 1997-11-11 1999-05-20 At & T Corp. Procede et appareil permettant d'assurer un service telephonique a prepaiement sur un reseau informatique
WO1999052266A1 (fr) * 1998-04-04 1999-10-14 E-Plus Mobilfunk Gmbh Procede et dispositif pour recharger une carte de telephone portable ou permettre sa reutilisation

Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7917123B2 (en) 2003-06-26 2011-03-29 Nokia Corporation Method and arrangement for realizing a prepaid subscription and a prepayment terminal and a cellular network terminal utilizing the method
WO2006066855A1 (fr) * 2004-12-21 2006-06-29 Giesecke & Devrient Gmbh Procede pour crediter un credit sur un compte pour des services de telecommunication prepayes sans utiliser de carte de debit
CN110472214A (zh) * 2019-08-09 2019-11-19 深圳市好便捷网络科技有限公司 快递自助充单系统及使用方法
CN110472214B (zh) * 2019-08-09 2024-02-27 深圳市好便捷网络科技有限公司 快递自助充单系统及使用方法

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