WO2002017256A1 - Verfahren und anordnung zur übertragung eines elektronischen geldbetrages aus einem guthabenspeicher - Google Patents
Verfahren und anordnung zur übertragung eines elektronischen geldbetrages aus einem guthabenspeicher Download PDFInfo
- Publication number
- WO2002017256A1 WO2002017256A1 PCT/EP2001/009214 EP0109214W WO0217256A1 WO 2002017256 A1 WO2002017256 A1 WO 2002017256A1 EP 0109214 W EP0109214 W EP 0109214W WO 0217256 A1 WO0217256 A1 WO 0217256A1
- Authority
- WO
- WIPO (PCT)
- Prior art keywords
- money
- data
- recipient
- sender
- transaction server
- Prior art date
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
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking 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
- G06Q20/04—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
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/105—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems involving programming of a portable memory device, e.g. IC cards, "electronic purses"
-
- 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
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/108—Remote banking, e.g. home banking
-
- 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
- G06Q20/12—Payment architectures specially adapted for electronic shopping 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
- G06Q20/223—Payment schemes or models based on the use of peer-to-peer 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
- G06Q20/22—Payment schemes or models
- G06Q20/28—Pre-payment schemes, e.g. "pay before"
-
- 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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
-
- 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
- G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
-
- 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
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
Definitions
- the invention relates to a method and an arrangement for transferring an electronic amount of money from a credit memory to an account or into another credit memory via an intelligent network, in particular a mobile radio network.
- the Internet In addition to its use as a means of communication and a source of information for hundreds of millions of people, the Internet is becoming increasingly important as a source of shopping.
- the trade in software, books and travel in particular is already taking place to a significant extent on the Internet, but increasingly a wide range of other goods and services are being ordered and paid for on the Internet.
- the payment of the corresponding services on the Internet in the originally established and still mostly widespread way requires the separate entry of the relevant data records at least for each business partner, if not for the individual transaction. This payment method gives the business partner an insight into sensitive personal data and even the possibility of permanent storage.
- telecommunications - especially mobile telecommunications - are today an area with rapid technical and economic development and an essential source of economic growth and new social developments.
- the mobile phone (“cell phone” ) more and more to a universal communication and information instrument and also increasingly used for access to goods and services.
- This development is also hampered by inadequate options for secure and at the same time easy payment for information, goods and services ordered via the mobile phone.
- PJ :: s: tr P- 1 tsi H- H s H- EP d d O troi P- H P. N iQ uq rt ⁇
- d isi H- N N H- 3 01 PJ P ⁇ PJ d ⁇ ⁇ rt PJ ⁇ ⁇ tr
- Cash receivers and money senders can also be applications.
- the core of the proposed arrangement and the proposed method is a transaction server which accesses a transaction database in which the data relevant for the transfer of prepaid credit is stored.
- the amount of money to be transferred is entered on the part of the money sender or recipient on the respective end device or a device connected to it, in particular a cash register. This can also take place in the second phase of a process in which the transmission service is first addressed via USS and then the money sender or recipient is prompted to enter the amount of money via an announcement or menu navigation. Upon this request, he then makes the relevant entry.
- Payments a specified prepaid phone number of the respective transmission partner - d. H. if entered by the money sender, the number of the recipient of the money and vice versa - and (usefully separated by an asterisk) the amount of money to be transferred.
- Payments is a predetermined sequence of digits and characters (e.g. * 94 #). co co rO IV) P 1 P 1
- Hi dd O P- p- P- d ⁇ P- pj: P- HP i P 1 PL rt rt ⁇ for T ⁇
- FIG. 2 shows a greatly simplified functional block diagram of a second embodiment
- Figure 3 is a highly simplified functional block diagram of a third embodiment
- FIG. 4 is a schematic representation of essential steps of the proposed application in the arrangement of FIG. 1.
- FIG. 1 it is assumed that the prepaid shopping application runs on the same server on which prepaid accounts of the cash recipient and sender are also kept.
- FIG. 2 shows the case where prepaid accounts of the money sender and recipient are managed on a different server (by the same operator B1) than the one on which the prepaid shopping application is running.
- 3 shows the case in which the prepaid shopping application and the prepaid accounts handled by it are managed on different servers of different operators B1, B2.
- the transaction server is called by the terminal of the recipient of the money, which is controlled by a cash register device. If the figures are modified by replacing the connection between the switch of the money receiver and the server with a connection between the switch of the money transmitter and the server, they show the case of a call to the transaction server by the money transmitter.
- the money transfer process is initiated by sending a USSD string of the type specified above by the terminal of the money recipient or money sender, the part of the data string specifying the amount of money being transmitted by the cash device connected to the terminal is supplied. If the price has not been entered in connection with the signaling process, the prepaid shopping application creates an announcement asking the caller to enter the price. Then the ANRU ⁇ fer is then a price.
- the prepaid shopping application activated by the USSD string on the transaction server now transfers the data required for the money transfer (in particular the numbers of the money recipient and sender and the amount of money) to a prepaid application on a corresponding server.
- This can be the transaction server itself (FIG. 1) or at least one server from the same operator (FIG. 2) or at least one server from another operator (FIG. 3).
- the applications can also run distributed in blocks on different servers.
- the prepaid shopping application accesses the shopping database and reads the money recipient data record and the money sender data record with the information contained therein, on which server or servers (and with which operator or which operators) are the accounts of the money recipient and sender.
- the money sender's server is identified and, if it is a different server than the one on which the prepaid shopping application is running, it becomes one O co t NJ P 1 P 1
- Account a real-time account or a normal bank checking account. This process is not time-critical, but must be carried out with the greatest reliability. Here, too, a distinction must be made between the variants mentioned above for debiting - depending on whether the account is managed on an external server or not. A log record is also created for the booking process.
Abstract
Description
Claims
Priority Applications (4)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
BR0113318-7A BR0113318A (pt) | 2000-08-18 | 2001-08-02 | Processo e disposição para transferência de uma quantia de dinheiro a partir de uma memória de crédito |
JP2002521239A JP2004506998A (ja) | 2000-08-18 | 2001-08-02 | 預金メモリから電子マネーを送金するための方法及び装置 |
EP01971897A EP1309954A1 (de) | 2000-08-18 | 2001-08-02 | Verfahren und anordnung zur übertragung eines elektronischen geldbetrages aus einem guthabenspeicher |
US10/111,157 US7356515B2 (en) | 2000-08-18 | 2001-08-02 | Method and system for transferring an electronic sum of money from a credit memory |
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
EP00117856.5 | 2000-08-18 | ||
EP00117856A EP1180751A1 (de) | 2000-08-18 | 2000-08-18 | Verfahren und Anordnung zur Übertragung eines elektronischen Geldbetrages aus einem Guthabenspeicher |
Publications (1)
Publication Number | Publication Date |
---|---|
WO2002017256A1 true WO2002017256A1 (de) | 2002-02-28 |
Family
ID=8169584
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
PCT/EP2001/009214 WO2002017256A1 (de) | 2000-08-18 | 2001-08-02 | Verfahren und anordnung zur übertragung eines elektronischen geldbetrages aus einem guthabenspeicher |
Country Status (6)
Country | Link |
---|---|
US (1) | US7356515B2 (de) |
EP (2) | EP1180751A1 (de) |
JP (1) | JP2004506998A (de) |
CN (1) | CN1470042A (de) |
BR (1) | BR0113318A (de) |
WO (1) | WO2002017256A1 (de) |
Cited By (1)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
CN100382486C (zh) * | 2004-10-26 | 2008-04-16 | 恒生电子股份有限公司 | 手机银行系统的安全认证方法 |
Families Citing this family (17)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
EP1302917A3 (de) * | 2001-08-16 | 2004-01-02 | Siemens Aktiengesellschaft | Verfahren und Anordnung zur elektronischen Bezahlung einer Ware oder Dienstleistung, insbesondere einer Applikation in einem Datennetz |
WO2003021544A1 (en) * | 2001-09-03 | 2003-03-13 | Nokia Corporation | A method and system for performing a financial transaction in a mobile communications system |
US7870071B2 (en) * | 2004-09-08 | 2011-01-11 | American Express Travel Related Services Company, Inc. | Systems, methods, and devices for combined credit card and stored value transaction accounts |
EP2070379B1 (de) * | 2006-09-29 | 2013-04-03 | Telecom Italia S.p.A. | Diensten für mobilbenutzer durch distinkte elektronische vorrichtung |
GB0621189D0 (en) * | 2006-10-25 | 2006-12-06 | Payfont Ltd | Secure authentication and payment system |
US20080273680A1 (en) * | 2007-05-04 | 2008-11-06 | Ido Eli Zohar | System and method for network communication using alternative identifiers |
US8504450B2 (en) * | 2007-08-31 | 2013-08-06 | Ebay Inc. | Mobile remittances/payments |
US8581692B2 (en) * | 2007-11-14 | 2013-11-12 | Nxp B.V. | Electronic system and method of operating an electronic system |
US8700092B2 (en) * | 2007-12-27 | 2014-04-15 | Telecom Italia S.P.A. | Method and subscriber identification card for using a service through a mobile telephone terminal using resources of another mobile telephone terminal |
KR101466958B1 (ko) * | 2008-09-26 | 2014-12-02 | 주식회사 케이티 | 이동 통신 단말기 및 이를 이용한 전자 화폐 이체 방법 |
US8880425B2 (en) | 2010-04-07 | 2014-11-04 | The Western Union Company | Mobile agent point-of-sale (POS) |
WO2012041781A1 (en) * | 2010-09-30 | 2012-04-05 | Moqom Limited | Fraud prevention system and method using unstructured supplementary service data (ussd) |
US10715519B1 (en) | 2013-08-08 | 2020-07-14 | Google Technology Holdings LLC | Adaptive method for biometrically certified communication |
US9553859B2 (en) | 2013-08-08 | 2017-01-24 | Google Technology Holdings LLC | Adaptive method for biometrically certified communication |
US20230106418A1 (en) * | 2017-07-21 | 2023-04-06 | Wells Fargo Bank, N.A. | Systems and methods for facilitating financial transactions |
EP3471036A1 (de) * | 2017-10-16 | 2019-04-17 | PayAttitude Global Ltd | Verfahren für finanzielle transaktionen |
US11941603B2 (en) | 2020-03-20 | 2024-03-26 | The Western Union Company | Multipurpose smartphone device |
Citations (5)
Publication number | Priority date | Publication date | Assignee | Title |
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EP0840531A2 (de) * | 1996-11-01 | 1998-05-06 | Nokia Mobile Phones Ltd. | Datenübertragungsverfahren, zellulares Funksystem und Mobilstation |
WO1998033343A1 (en) * | 1997-01-27 | 1998-07-30 | Telecom Finland Oy | Subscriber identity module mobile station and method for performing a smart card function |
WO1999008238A1 (en) * | 1997-08-11 | 1999-02-18 | International Business Machines Corporation | A portable information and transaction processing system and method utilizing biometric authorization and digital certificate security |
EP0986275A1 (de) * | 1998-09-10 | 2000-03-15 | Swisscom AG | Verfahren zum Kaufen von Waren oder Dienstleistungen mit einem Mobiltelefon |
DE19903363A1 (de) * | 1999-01-28 | 2000-08-10 | Mueller Judex Donald | Verfahren, System und Mobilstation zur Durchführung von bargeldlosen Transaktionen |
Family Cites Families (4)
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JPH09116960A (ja) * | 1995-10-18 | 1997-05-02 | Fujitsu Ltd | キャッシュレスシステム及び該システムで使用する携帯機 |
US5850442A (en) * | 1996-03-26 | 1998-12-15 | Entegrity Solutions Corporation | Secure world wide electronic commerce over an open network |
US6247000B1 (en) * | 1996-08-21 | 2001-06-12 | Crossmar, Inc. | Method and system for confirmation and settlement for financial transactions matching |
US5936221A (en) * | 1997-10-02 | 1999-08-10 | Bridgepoint Systems, Inc. | Smart card system and method for transferring value |
-
2000
- 2000-08-18 EP EP00117856A patent/EP1180751A1/de not_active Withdrawn
-
2001
- 2001-08-02 CN CNA018171486A patent/CN1470042A/zh active Pending
- 2001-08-02 BR BR0113318-7A patent/BR0113318A/pt not_active IP Right Cessation
- 2001-08-02 US US10/111,157 patent/US7356515B2/en not_active Expired - Fee Related
- 2001-08-02 EP EP01971897A patent/EP1309954A1/de not_active Withdrawn
- 2001-08-02 JP JP2002521239A patent/JP2004506998A/ja active Pending
- 2001-08-02 WO PCT/EP2001/009214 patent/WO2002017256A1/de not_active Application Discontinuation
Patent Citations (5)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
EP0840531A2 (de) * | 1996-11-01 | 1998-05-06 | Nokia Mobile Phones Ltd. | Datenübertragungsverfahren, zellulares Funksystem und Mobilstation |
WO1998033343A1 (en) * | 1997-01-27 | 1998-07-30 | Telecom Finland Oy | Subscriber identity module mobile station and method for performing a smart card function |
WO1999008238A1 (en) * | 1997-08-11 | 1999-02-18 | International Business Machines Corporation | A portable information and transaction processing system and method utilizing biometric authorization and digital certificate security |
EP0986275A1 (de) * | 1998-09-10 | 2000-03-15 | Swisscom AG | Verfahren zum Kaufen von Waren oder Dienstleistungen mit einem Mobiltelefon |
DE19903363A1 (de) * | 1999-01-28 | 2000-08-10 | Mueller Judex Donald | Verfahren, System und Mobilstation zur Durchführung von bargeldlosen Transaktionen |
Non-Patent Citations (2)
Title |
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CAVALLI A ET AL: "VALIDATION OF THE GSM-MAP PROTOCOL", ANNALES DES TELECOMMUNICATIONS - ANNALS OF TELECOMMUNICATIONS,PRESSES POLYTECHNIQUES ET UNIVERSITAIRES ROMANDES, LAUSANNE,CH, vol. 55, no. 1/02, January 2000 (2000-01-01), pages 58 - 69, XP000912350, ISSN: 0003-4347 * |
See also references of EP1309954A1 * |
Cited By (1)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
CN100382486C (zh) * | 2004-10-26 | 2008-04-16 | 恒生电子股份有限公司 | 手机银行系统的安全认证方法 |
Also Published As
Publication number | Publication date |
---|---|
BR0113318A (pt) | 2003-07-15 |
US20030050898A1 (en) | 2003-03-13 |
EP1180751A1 (de) | 2002-02-20 |
CN1470042A (zh) | 2004-01-21 |
US7356515B2 (en) | 2008-04-08 |
EP1309954A1 (de) | 2003-05-14 |
JP2004506998A (ja) | 2004-03-04 |
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