WO2001065500A1 - Systeme et procede pour confirmer un mode de paiement par carte de credit par l'intermediaire d'un reseau de telephonie mobile - Google Patents

Systeme et procede pour confirmer un mode de paiement par carte de credit par l'intermediaire d'un reseau de telephonie mobile Download PDF

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Publication number
WO2001065500A1
WO2001065500A1 PCT/DE2001/000742 DE0100742W WO0165500A1 WO 2001065500 A1 WO2001065500 A1 WO 2001065500A1 DE 0100742 W DE0100742 W DE 0100742W WO 0165500 A1 WO0165500 A1 WO 0165500A1
Authority
WO
WIPO (PCT)
Prior art keywords
credit card
payment
network
mobile radio
processing unit
Prior art date
Application number
PCT/DE2001/000742
Other languages
German (de)
English (en)
Inventor
Suriana Ahmad-Aliyuddin
Harald Preiss
Original Assignee
Siemens Aktiengesellschaft
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 DE10025565A external-priority patent/DE10025565A1/de
Application filed by Siemens Aktiengesellschaft filed Critical Siemens Aktiengesellschaft
Publication of WO2001065500A1 publication Critical patent/WO2001065500A1/fr

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/24—Credit schemes, i.e. "pay after"
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3223—Realising banking transactions through M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment

Definitions

  • the invention relates to an arrangement and em method for confirming a credit card payment transaction in a data or telecommunications network.
  • Credit card fraud is usually only determined by the credit card holder when the monthly cost list is sent. If suspiciously high payment amounts are paid by credit card, the credit card institute sometimes calls the credit card holder via the fixed network to inform them of the card charge. This has the disadvantage that the credit card holder is not permanently available and the payment process cannot be interrupted by a counterfeit credit card or by an unauthorized user.
  • the Internet is becoming increasingly important as a source of shopping.
  • the credit card institutes but also more and more providers of goods and services connected to the internet.
  • the cell phone networks are becoming more and more important in comparison to the fixed network due to their constantly increasing reliability, their convenience and the constantly falling charges.
  • the connection of data and telecommunications networks is also progressing. Both the manufacturers of mobile radio end devices and the operators of mobile radio networks are increasingly interested in offering their customers the simplest possible access to data communication networks and in particular to the Internet.
  • the mobile terminal communicates with the Internet in the programming language WML (Wireless Markup Language) via the special Internet protocol WAP (Wireless Application Protocol).
  • WML Wireless Markup Language
  • WAP Wireless Application Protocol
  • the invention has for its object to provide a credit card payment system that ensures a high level of security both for the credit card holder and for the company receiving payment by credit card (eg restaurant) and for the credit card institute.
  • the invention closes the essential idea e of quickly and easily informing the credit card holder about the use of his credit card in a credit card payment process via a mobile radio network. This idea opens up the possibility of an increase in credit card payment processes in both personal and professional transactions.
  • the invention includes the
  • the mobile terminal of the credit card holder is preferably a device which communicates with the Internet using the WML language as part of the WAP. It is also possible to create a mobile terminal device that is capable of processing the HTML format in order to provide direct access to the Internet without the previously required conversion of HTML files into the WML format or vice versa. This mobile terminal can also have a key assignment for confirming or not confirming a credit card payment process. However, the simplest and currently the most widely visible variant works on an SMS basis with practically any mobile phone.
  • the payment data processing unit of the credit card institute contains a subscriber information database which has a large number of storage areas for storing subscriber account data and identification and authentication information about the subscriber.
  • the database preferably also has a memory which contains the account and mobile numbers of each subscriber. Thus, only the information relevant to the payment information message, namely the mobile number of the subscriber, can be determined in a simple manner from all the stored information about the subscriber.
  • a mobile radio network e which is known as a gateway server, is preferably used for the message transmission from the Internet m.
  • the message format can, for example, be converted from the HTML format to the WML format.
  • the payment information message can also be translated into a different language by the gateway server if the credit card holder - for example on the basis of the number of his terminal - is recognized as a foreigner and his (presumed) native language can be assigned.
  • SMS Short Message Service
  • this type of message transmission also has usage advantages.
  • the reception and sending of SMS messages can be realized without an acoustic load, and on the other hand, the short messages can appear repeatedly on the display of a mobile terminal and can be easily saved.
  • the payment information message can, however, also take the form of a voice message which is directed to the credit card holder by a voice computer of the credit card institute via a mobile radio terminal.
  • this request message can be translated into his mother tongue by the speech computer.
  • FIG. 1 e functional block diagram for explaining an arrangement and a method for confirming a credit card payment process according to an embodiment of the invention
  • Fig. 2 em functional block diagram for explaining an arrangement and a method for confirming a credit card payment process according to a further embodiment of the invention.
  • a mobile radio terminal 1 has a radio connection to a base station BS1, which spans a radio area of a cell of the mobile radio network MN.
  • a mobile switching center MSC forms a switching node of the mobile radio network to which the base station BS1 is assigned and which in turn is connected to a gateway switching center 7 for establishing a link to an IP network IP m.
  • the structure of the IP network is not shown here with the exception of the gateway switching center (gateway server) 7 already mentioned.
  • a data reading unit 5 and a data receiver unit 5a of a goods or service provider is connected to a payment data processing unit 3 of a credit card institute via the IP network.
  • the payment data processing unit 3 comprises a control unit 3a and a memory 3b, which contains the credit card numbers and mobile phone numbers of the credit card holders in a tabular assignment to one another.
  • the card data stored on the credit card are read by the data reading unit 5 of the goods or service provider, and a payment request message is sent to transfer part of the electronic credit of the credit card holder to the control unit 3a of the payment data processing unit 3 issued by the credit card institution.
  • the control unit 3a uses the credit card number to address the memory 3b em which contains the mobile phone number of the credit card holder concerned.
  • a payment information message in the form of a text message (SMS message) is issued to the credit card holder by the control unit 3a.
  • SMS message text message
  • the format of this message is converted before transmission from the IP network m to the mobile radio network MN by the gateway server 7 and forwarded to the mobile switching center MSC of the mobile radio network MN.
  • the text message is received by the receiver stage 9a of the mobile radio terminal 1 via the base station BS1 and shown on its display 16.
  • the number of the credit card institution is saved in a memory.
  • an instruction is given to the participant by pressing the buttons, by means of which the payment process can be confirmed or not confirmed.
  • the confirmation or non-confirmation message is linked to the stored number of the credit card institute by a controller and sent to the credit card institute by the transmission stage 1d of the mobile radio terminal 1 via the mobile radio network MN.
  • the credit card holder can give a confirmation or non-confirmation of the credit card payment process by pressing a key lc on the conventional mobile radio terminal keyboard, or else by pressing a separate key that is used only for this confirmation or non-confirmation process , This requires a mobile device with a suitable key assignment. If the credit card holder confirms or does not confirm the payment process, the text message is forwarded as a WML message via the mobile switching center MSC to the gateway server 7 and the HTML format is converted. The confirmation or non-confirmation message is sent by the control unit 3a of the payment data processing unit. unit 3 received. The control unit 3a issues a confirmation message to the data receiver unit 5a of the provider that the particular part of the electronic credit card holder's debit has been debited.
  • FIG. 2 shows a further embodiment of the arrangement according to the invention and the corresponding method for confirming a credit card payment transaction.
  • the payment process is confirmed or not confirmed via an MN mobile radio network.
  • the difference between this exemplary embodiment and the first is that the payment data processing unit 3 of the credit card institute and the data reading unit 5 or data receiver unit 5a of the goods or service provider are connected to one another via a fixed telephone network (ISDN).
  • ISDN fixed telephone network
  • the control unit 3a of the payment data processing unit 3 outputs an information message m in the form of a text message to a speech computer 9.
  • the voice message is then transmitted via a connection unit 7 (mobile radio unit ME) of the credit card institute via a first base station BS1 and via a mobile switching center MSC to a second base station BS2 and to the mobile radio terminal 1 of the credit card holder.
  • the payment data processing unit 3 also contains a provider recognition unit 11, by means of which the name of the goods or service provider is recognized and transmitted to the credit card holder with the information message.
  • the credit card holder can confirm or not confirm the payment process and thus the debiting of the specific part of his electronic credit can take place or be canceled.
  • an additional memory can be used in the payment Data processing unit 3 can be set up, to which the payment process is saved and the debit can only take place after 24 hours, for example.

Landscapes

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

Abstract

L'invention concerne un système permettant de confirmer un paiement par carte de crédit par l'intermédiaire d'un réseau de téléphonie mobile, qui comprend un terminal de téléphonie mobile (1), une unité centrale de traitement des données de paiement (3), une unité de lecture de données (5) d'un vendeur, qui est reliée à l'unité centrale de traitement des données de paiement (3) par l'intermédiaire d'un réseau de données ou de télécommunication, notamment un réseau téléphone Internet ou un réseau téléphonique fixe, ainsi qu'une unité de connexion (7) pour transmettre des données sous forme de messages vocaux ou textuels entre l'unité centrale de traitement des données de paiement (3) et le terminal de téléphonie mobile (1) d'un abonné.
PCT/DE2001/000742 2000-03-01 2001-02-28 Systeme et procede pour confirmer un mode de paiement par carte de credit par l'intermediaire d'un reseau de telephonie mobile WO2001065500A1 (fr)

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
DE10009772.3 2000-03-01
DE10009772 2000-03-01
DE10025565A DE10025565A1 (de) 2000-03-01 2000-05-24 Anordnung und Verfahren zur Bestätigung eines Kreditkarten-Zahlungsvorgangs über ein Mobilfunknetz
DE10025565.5 2000-05-24

Publications (1)

Publication Number Publication Date
WO2001065500A1 true WO2001065500A1 (fr) 2001-09-07

Family

ID=26004604

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/DE2001/000742 WO2001065500A1 (fr) 2000-03-01 2001-02-28 Systeme et procede pour confirmer un mode de paiement par carte de credit par l'intermediaire d'un reseau de telephonie mobile

Country Status (1)

Country Link
WO (1) WO2001065500A1 (fr)

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2011063432A2 (fr) * 2009-11-23 2011-05-26 Radio Surveillance Security Services Sa (Pty) Ltd Système de transaction à pré-autorisation
EP2410479A1 (fr) * 2010-07-20 2012-01-25 WU, You-Jhang Procédé d'autorisation de transaction par carte de crédit au moyen d'un téléphone VolPoW
EP2115679A4 (fr) * 2007-01-29 2012-02-01 Hewlett Packard Development Co Procédés permettant d'obtenir des transactions commerciales électroniques sécurisées

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP0831438A2 (fr) * 1996-09-18 1998-03-25 Hitachi, Ltd. Système de transactions pour fonds électroniques
WO1998037524A1 (fr) * 1997-06-27 1998-08-27 Swisscom Ag Procede de transaction avec un telephone mobile
EP0950968A1 (fr) * 1997-08-13 1999-10-20 Matsushita Electric Industrial Co., Ltd Systeme de commerce electronique mobile
EP0951191A1 (fr) * 1998-04-16 1999-10-20 Swisscom AG Procédé pour l'entrée des codes des commandes dans un terminal
US5991749A (en) * 1996-09-11 1999-11-23 Morrill, Jr.; Paul H. Wireless telephony for collecting tolls, conducting financial transactions, and authorizing other activities

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5991749A (en) * 1996-09-11 1999-11-23 Morrill, Jr.; Paul H. Wireless telephony for collecting tolls, conducting financial transactions, and authorizing other activities
EP0831438A2 (fr) * 1996-09-18 1998-03-25 Hitachi, Ltd. Système de transactions pour fonds électroniques
WO1998037524A1 (fr) * 1997-06-27 1998-08-27 Swisscom Ag Procede de transaction avec un telephone mobile
EP0950968A1 (fr) * 1997-08-13 1999-10-20 Matsushita Electric Industrial Co., Ltd Systeme de commerce electronique mobile
EP0951191A1 (fr) * 1998-04-16 1999-10-20 Swisscom AG Procédé pour l'entrée des codes des commandes dans un terminal

Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP2115679A4 (fr) * 2007-01-29 2012-02-01 Hewlett Packard Development Co Procédés permettant d'obtenir des transactions commerciales électroniques sécurisées
WO2011063432A2 (fr) * 2009-11-23 2011-05-26 Radio Surveillance Security Services Sa (Pty) Ltd Système de transaction à pré-autorisation
WO2011063432A3 (fr) * 2009-11-23 2013-06-06 Radio Surveillance Security Services Sa (Pty) Ltd Système de transaction à pré-autorisation
EP2410479A1 (fr) * 2010-07-20 2012-01-25 WU, You-Jhang Procédé d'autorisation de transaction par carte de crédit au moyen d'un téléphone VolPoW

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