WO2002071353A1

WO2002071353A1 - Device and method for cashless payment

Info

Publication number: WO2002071353A1
Application number: PCT/AT2002/000061
Authority: WO
Inventors: Peter Ligezinski
Original assignee: Peter Ligezinski
Priority date: 2001-03-01
Filing date: 2002-03-01
Publication date: 2002-09-12

Abstract

The invention relates to a device and a method for cashless payment, whereby a customer transfers an amount of money to a counter-party by means of a clearing centre. The invention is characterised in that the customer informs the clearing centre of his PIN, the local number identifying the counter-party and the amount to be transferred, by means of a personal, non-anonymous telecommunication terminal, such that the clearing centre then checks the authorisation of the customer to perform the transaction with the transmitted identification of the telecommunication terminal on establishing a connection and the PIN and transmits the amount to the counter-party or the terminal thereof, identified by the local number and requests the agreement of the counter-party to the transaction and, on receipt of said agreement, carries out the transaction and informs the customer and the counter-party thereof.

Description

Notification and procedure for cashless payment

The invention relates to a method for cashless payment in which a customer transfers a monetary amount to a business partner via a clearing house and to devices for carrying out the method.

Cashless payment transactions have been known for a long time and can be carried out in different ways, for example by means of a credit card, whereby again several types of processing are possible:

The first type is supported electronically: the card is read into a device and, with the support of communication devices, it is checked directly in a data processing center whether it is valid. The identity of the cardholder is not checked. For the cardholder, a receipt with details of the payment is issued (printed), the supplier receives a second receipt on which the cardholder confirms the payment with a signature. The payee (the supplier) receives the paid amount after deduction of the processing commission from the card company at periodic intervals.

The second type is completely manual: an imprint of the card is made, the imprint is filled in with the amount (in certain cases a phone call is made to the card company to confirm the validity of the card), the customer signs the receipt and he confirms the payment. A copy of the receipt will be given to the customer as a payment confirmation. The identity of the customer is not checked. The seller collects the signed receipts and periodically passes them on to the card company, which transfers a summary amount of the submitted receipts. Another type is used in Internet shops: the card number is made known to a retailer on the Internet and only via the electronic connection is a release made to charge the card; the dealer on the Internet presents the summary of the debits to the card company and the card company debits the card holder. In principle, it is also not possible to verify the identity of the customer in this course of business. Other variants are as follows:

In WO 95/25397 and WO 98/47116, despite the inclusion of the customer's cell phone, customer data is transmitted via the dealer station to a clearing house, which is inadmissible for data protection reasons. It is known from DE 199 03 822 AI to involve a customer's mobile phone in the transaction without the dealer knowing the customer's data, but this system is not immune to the use of stolen mobile phones.

In all cases, the cardholder receives a summary of the accepted payments at regular intervals (usually monthly); the card company expects the cardholder to transfer the total amount shown or a specific account of the customer will be debited with the amount in a direct debit procedure.

Another option is payment with an ATM card, which is cashless and largely automatic: the card is read into a device and a direct connection to a central data processing system is used to check whether it is valid. Afterwards the customer is obliged to enter a PIN. If the PIN entry is correct, the corresponding booking records are created automatically. The customer's authorization to use the card is only confirmed by entering the correct PIN.

Finally, there are mobile payment systems in which mobile telephones can be used. Such systems are currently in the test phase in various markets [IPTS report ICT2E496]. All of these systems represent the booking techniques of today's credit card payments or introduce their own booking techniques, whereby several booking steps and company codes are required. In several of these systems, the payer must give his telephone number to the seller and all bills are made indirectly, for example via the telephone network provider or via third-party banks, direct debits, etc. The data transmission protocols used are mainly concentrated around the technology of the Internet. The systems were clearly planned for payments on the Internet. In principle, the execution of a payment means a transfer posting from one company code (position of a money holder - the payer, the buyer) to another company code (position of the payee, the seller). Within today's payment and settlement systems, this rebooking contains several intermediate stages, in which several, time-shifted rebookings take place between several different company codes and in different accounting systems.

With today's cashless payments, only the validity of the presented card is checked. There is no further check as to whether the payer is the actual cardholder. When paying with cash, no check can be made as to whether the buyer is really authorized to dispose of the money.

The payment systems used today can be improved. The modern technology is used in the systems, but the existing solutions represent those processing paths and procedures that have arisen through years of development of our "banking culture". The first processing on the business side is fast, but the subsequent billing is slow and batch-oriented (for example, billing takes place only at periodic intervals). The devices and systems used for this are complex and the plastic cards generally used can be stolen or imitated. The customer's identity is simply verified by means of a signature or / and a card number. When paying anonymously with cash, it cannot be determined whether the cash owner can actually dispose of the available amount or not.

The purpose of the invention is to provide a method which does not have the disadvantages mentioned, in which the customer identification is clear and the anonymity of the customer is largely retained, in which the amount individually available to the customer is actually always available to him and in which, at least in one embodiment, processing can take place immediately (in “real time”) and safely, both on the customer's side and on the part of the dealer.

According to the invention, these goals are achieved in that the customer uses a personalized, non-anonymous telecommunication device to inform the settlement agent of his PIN, the location number identifying the business partner and the amount to be transferred, and then the settlement agent uses the identification of the telecommunication device transmitted when the connection is established and the PIN the the customer's right to the transaction is checked and notifies the business partner identified by the location number or his end device, the amount, possibly reduced by a commission, and requests his approval of the transaction and, upon receipt of his approval, carries out the transaction and this to the customer and the business partner telling.

The devices for carrying out the method include: a customer's personalized telecommunication device, a customer database connected to telecommunication devices at the billing point, the memories for identifying the personalized telecommunication device, for at least one associated PIN, for at least one associated account and / or an associated account Has an account connection and for an amount, furthermore a business partner database which may be different from the customer database, which has memories for the location number a, the identification of the business partner and for at least one associated account and / or an associated account connection, with a data processing system which transmits the transmitted identifier of the personalized one Comparing the telecommunication device and the transmitted PIN with the entries in the database and, depending on this, by comparing the transmitted location number with the entries determines the business partner in the business partner database and notifies him of the amount to be transmitted using the telecommunications device, if necessary to his end device, and, after receiving the business partner's consent, debits the customer's account, the business partner's account, possibly reduced by a commission, recognizes and notifies both of the completion of the transaction by means of the telecommunications device.

The invention is explained in more detail below with reference to the four tables at the end of the description, which set out the chronological sequence of the individual steps which each participant carries out in the course of a transaction, and with reference to the drawing, in which FIG. 1 the contractual obligations of the participants and FIG. 2 the communication channels and bookings Before the invention is described in detail, the basic terms used in the description and the claims should be defined and described in more detail:

Participants and contracts of the procedure

1 shows a schematic representation of the participants and the contractual connections between the participants in the method.

Customer - the payer, the buyer, the client buyer, account holder - a person who makes a decision on a debit / deduction / spending and wants to transfer a certain (and available) amount to the business partner.

The customer concludes a contract with the clearing house, where the modalities and conditions of the business transaction are defined using the infrastructure of the described procedure. The procedure and the modalities of the business transactions between the customer and all business partners are specified in the contract.

The customer concludes a non-anonymous (personalized) contract with the network provider (telephone company), where the principles of the use of the network and the communication device are determined. The normal contracts of the telephone companies, which correspond to the state of the art, are expanded with additional clauses which stipulate the use of the new method.

Business partner - the payee, the seller, the supplier

A legal or private person who receives the amount specified by the customer after any deduction of costs. The business partner concludes a contract with the clearing house, where the modalities and conditions of the business transaction are defined with the use of the infrastructure of the described procedure. The procedure and the modalities of the business transactions between the business partner and all customers are specified in the contract.

The business partner concludes a non-anonymous contract with the network provider (telephone company), where the principles of the use of the network and its end device are specified. The normal contracts of the telephone companies that correspond to the state of the art are expanded with additional clauses that define the use of the new method.

Provider, network provider (telephone company)

A legal person who maintains an appropriate technical infrastructure (control center) that provides all necessary communication channels to the participants in the process.

The provider concludes corresponding contracts with customers and business partners. The terms and conditions for the use of the procedure are laid down in the contracts.

Billing center, billing center - a central, virtual "wallet"

A legal person who has the connections to the network provider and to the external banks and is equipped with a corresponding data processing system. The system data and programs support the process outlined in this document.

The clearing house can either function as a pure clearing house - it will forward the corresponding booking orders to the external banks, or function as a normal bank - it keeps all accounts of customers and business partners in its own data processing system and can be seen as a central "wallet". You would also have to fulfill all legal banking regulations.

The billing agency concludes a contract with the network provider (telephone company) regarding the modalities of the communication processing and the secured services.

The clearing house concludes contracts with the customers and business partners that were described in the previous points (customer, business partner).

Devices and systems to support the process - technical requirements

All listed devices, technical features, technical requirements and the processes, which are shown in more detail in Tables 1-4 at the end of this document, represent the entire system that is required for the execution of the process.

A communication device, e.g. a mobile or a stationary telephone, which is available to the customer and approved for the customer and which is clearly recognizable at the control center of the network provider (not anonymous = personalized). Legitimation will be required for admission. By using the device, the customer is clearly identified, and the identification enables the device and the person to be clearly assigned. In order to verify the further authorization to dispose in the method according to the invention, an additional PIN (identifier) specific to the billing point is used which is not to be stored or registered in the communication device.

The communication device can also be connected to a portable or stationary computer system. The device must be technically equipped as follows:

1. Components for setting up the communication channel to the accounting office via the network provider;

2. Components for clear individual identification of the device (Sl-MTWIM cards) in the control center of the network provider;

3. Components for data entry (e.g. keyboard), data display and data output (e.g. display).

For security reasons, PIN codes specific to the accounting office and the numbers / strings entered should not be saved in any device; As an additional safeguard, components for coding / decoding the data transmission can also be implemented.

In the current state of the art, this device can preferably be a mobile telephone device. In the future, when voice recognition technology becomes more reliable, data input and output can also be done using voice.

The end device - a device installed at the business partner on which the receipt of the customer payment is confirmed and registered. The device can be a printer, a non-anonymous communication device or a computer system installed at the business partner. Each device receives a "location number", which is defined in the contract between the clearing house and the business partner and does not correspond to the connection number at the provider. A business partner can use several devices. Two types of devices can be used:

Active end devices that are equipped with appropriate components that enable the establishment of the communication channel to the billing point via the network provider, enable clear individual identification of the device at the network provider and in the billing point, and data entry (via e.g. keyboard / data display and Support data output (eg display and printer) The active devices cannot be addressed by the accounting office. Passive end devices that are only addressed by the accounting office and have no possibility to initialize the establishment of a communication channel. When using these devices, the communication channels are only set up by the accounting office. These devices must be equipped with appropriate components that ensure clear identification of the clearing house. The passive end devices should basically use the defined communication channels (dedicated lines).

Both types of devices will use a receipt printer for data output and a local computer system installed at the business partner for data registration.

For certain payment transactions (e.g. transfer to an account in traditional customer payment transactions), the process can run without end devices. In these processes, the customer is paid into the recipient's account at any bank, as specified by him, without checking whether the account actually exists.

The billing center (the billing center) - must be equipped with a corresponding data processing system, in the programs of which the processes are mapped and in the data of which the customer data and the movements / transaction data are registered. The system must have the appropriate connections to the network of the provider so that the data exchange between the communication devices, end devices and the accounting office takes place via the communication channels created by the network provider.

The data processing system should have the following technical features:

a central data register / memory / database; a possibility of immediately determining whether the specified customer or terminal device data is in the register; another possibility to store, retrieve and display the incoming data in an organized form; a possibility to log all occurring events (communication interruptions, incorrect entries, successful transactions, etc.) and to present them for checking purposes; technical equipment that provides a secure and reliable communication link to the control center of the network provider; a way of handling the operations required for this procedure (Tables 1-4); technical equipment that supports payment transactions with external banks.

The following data is stored in the data center of the accounting center:

The definitions of the customer's business relationship with the billing center: number of the communication device (or several communication devices of a customer), all defined PINs and the associated account numbers, the limit of use of the individual accounts, the controls of the account settlement and the usual personal data of the customer (contract data with the Customers).

The definitions of the connections of the business partners: location number of the end devices, type of devices (active or passive), account numbers of the billing accounts connected to the end devices, control of the settlements with the business partners and the usual personal or business data of the partner (contract data with the business partner) ,

The definitions of the communication connections with the network provider, the connections, the protocols and communication methods used, the service level definitions, etc. (contract data with the provider).

The fully understandable history of the business transactions and account transactions carried out. The definitions of the approved transactions / business transactions, which describe which processes are allowed, which data participate in which process and how this data is registered and processed (these definitions can also be programmed in programs - this method is outdated and does not seem to be flexible) his).

The definitions of the conditions used in the business transactions.

The data processing systems of the clearing house must be equipped with programs that support the complete management of the accounts and the handling of payment transactions with external banks. Furthermore, all required customer reports and test reports must be able to be created.

The communication facilities of the accounting center should have the following technical features: connections to the control center of the network provider;

Incoming call identification / identification devices;

Devices for controlling / operating passive end devices;

Integration with the database of contract data;

Protection against unwanted calls.

If coding methods are used in data exchange between the accounting center and the end devices / customer communication devices, the accounting center should support the selected method. The type of coding procedure is not linked to the payment procedure.

A control center at the network provider, which checks the registrations originating from the communication devices and end devices, recognizes the registrations from these devices and then creates corresponding communication channels between these devices and the accounting office. The communication channels created are intended for Data remain transparent. The protocols and the standard of data transmission via the communication channels can be determined by the participants in the method, they are not dependent on the method.

Communication and booking

A schematic representation of the communication channels and the bookings that support this procedure can be found in Appendix 2 to this document. All communication channels are established by the network provider as communication channels. In a typical payment transaction outlined in this document, the network provider will provide two channels:

the first channel between the customer's communication device and the billing center, and the second channel between the billing center and the business partner's terminal.

The entire data exchange shown in Tables 1-4 between the devices and the accounting center takes place via these communication channels. The settlement, the creation of the posting records and the posting of the created posting records to the corresponding accounts take place in the accounting center. The billing center transmits to the external devices appropriate data and queries that are necessary for the process.

The network provider performs the first check as to whether the customer's communication device and the business partner's device are authorized to participate in the process. If the provider has such authorization, the communication channels between the devices and the billing center are created. The standards used for connection establishment, data transmission and the coding process are irrelevant for this process. In all cases, there is a dialogue between the customer's communication device and the data processing system in the billing center and between the business partner's terminal and the data processing system in the billing center for each payment transaction.

Data packets are transmitted between all participants in the process. All data packets can be seen as character strings. The standardization can either be new or can be built on any standard that can be used today.

General description of the procedure

The business transaction / payment transaction is started by the customer. The customer dials a telephone number of the accounting office via his communication device (cell phone). The telephone number can be encoded behind a new cell phone key "Numbers" or entered as a number (possibly a short number). The telephone number is the access number to the clearing house. The customer thus tells the system of the procedure to start a payment process with - he opens quasi his "wallet".

The provider's control center checks whether the device is authorized to dial the number of the clearing house - afterwards the connection is either interrupted or a communication channel to the clearing house is created. After establishing the connection with the clearing house, a verification is carried out as to whether a participation agreement exists for this communication device. The verification is carried out by checking whether the identifier of the communication device (this identifier identifies the communication device in the network of the provider) is registered in the systems of the accounting office as authorized to participate in the process. If there is no participation agreement (no authorization defined or the authorization is invalid), the process is interrupted and a corresponding message is sent to the communication device. All such incidents are logged for legal protection. If the communication channel with the customer is successfully opened, the customer is asked to enter the following data:

An individual PIN defined in the agreement to identify the customer's account to be debited;

Location number (the desired payment will be transferred there);

The amount that is charged to the customer account and is credited to the business partner's account.

The sequence of these entries can be arranged by the accounting office. The data recorded on the communication device is transmitted to the accounting office via the provider's network. The PIN entered is checked in the accounting office. Since several PINs can be defined for each customer agreement, each individual PIN can show a connection to a specific customer account in the clearing house - this means that payments from different customer accounts can be made with just one communication device but with different PLNs. Behind each PIN definition, the information that defines the account connection, the coverage amount and the status (active, not active) of the PIN are stored.

After the recognition and confirmation of the correctness of the PIN (PIN available, account cover available, etc.) the location number will be checked. Depending on what type of connection is used with the end device of the location, the billing center either finds out whether the location is marked as "active in the waiting state" (with active end devices) or the establishment of a communication channel to the end device at the location is installed (with passive end devices) instead. Behind the location number, the account details of the business partner, the Ker / Teleform number of the terminal installed at the location and the type of terminal must be stored in the data storage of the accounting office.

If the definition of the location is available and the communication channel between the location and the clearing house is opened, the amount entered by the customer is checked in the clearing house to see whether a corresponding coverage of the planned payment on the customer's account selected by the announcement of the PIN, is available. The amount and type of coverage are set out in the contract between the customer and the clearing house for each customer account.

If the cover is not available, the process is canceled.

If there is sufficient cover, the amount entered by the customer is displayed on the end device of the location. If the amount corresponds to the amount expected by the business partner, it is confirmed on the device to the clearing house. Afterwards, the clearing house confirms that the payment has been received - afterwards, e.g. a receipt for the customer and a receipt for the business partner / location can be printed out.

At the same time, corresponding accounting processes are triggered in the clearing house: the customer account is debited with the full amount entered, the account of the business partner receives an immediate credit for either the entire amount or the amount reduced by a discount or a commission. The discount amount or cost amount is immediately transferred to the accounting department's internal accounting. When using the method for direct transfer between a customer's account and any other account, the use of end devices is not required. Every transaction / money movement carried out in this way is assigned a unique number in the clearing house, which will later be used for all checks, checks and follow-up transactions. Grain contamination with the end devices can be done in two different ways:

With active devices:

While the customer is establishing a communication channel with the billing center via his communication device, a button "anticipated payment receipt" can be pressed simultaneously on the business partner's terminal, then the terminal dials the telephone number of the billing center. The control center of the provider also checks whether the device is authorized the number of the clearing house is to be dialed, depending on this the connection is either interrupted or another communication channel is created to the clearing house. After the connection with the clearing house has been established, a verification is carried out as to whether a participation agreement exists for this terminal.

The verification is carried out by checking whether the identifier of the terminal (with this identifier, the terminal also identifies itself in the network of the provider) is registered in the systems of the accounting office as authorized to participate in the procedure. If there is no participation agreement (no authorization defined or the authorization is invalid), the process is interrupted and a corresponding message is sent to the end device. If the participation is confirmed, the communication channel of the terminal is kept open for a certain time and in the system of the accounting center the device is marked for all further activities as "active terminal in the waiting state" - the business partner "opens its cash register" for the payment of the customer.

For passive end devices: Passive end devices are waiting for the connection to be established. In this case, the accounting office initializes the connection to the terminal after the customer has entered the location number. The terminal and the billing point must be technically equipped in order to be able to verify that the communication channel was actually set up by the billing point and that the communication channel was actually established for the selected terminal. The rest of the processes are basically the same as for the active devices. In the current state of the art, for security reasons, this type of terminal would be plausible mainly for stationary devices (such as, for example, cash dispensers) that are connected to the clearing house via fixed dedicated lines.

After the payment process has been completed, the clearing house can immediately confirm any accepted and / or unaccepted transaction to the customer with an additional electronic confirmation (e.g. e-mail). If the clearing house is a bank and if customers and business partners hold accounts with this bank, all of the bookings mentioned can take place immediately, without periodic batch processes. If the accounting office functions as an intermediary / accounting officer, all of the resulting bookings should be forwarded to the corresponding banks of customers and business partners (direct debit / debit from customer accounts, credit for the business partner). Such forwarding can take place either immediately or once a day via the usual payment clearing agents.

Practical examples of use

Buying in a store

The customer stands in front of the cash register. After the cashier staff has entered the purchased items, the total amount is shown on the cash register display. The "location number" is also shown on the cash register display. The customer takes his mobile phone, dials the number of the accounting office or presses the "Numbers" key on his communication device. After confirming the connection with the billing center, he enters the location number, his own PIN and the amount. If the PIN and the location number are accepted, the customer will be shown the amount and must confirm it. After this confirmation, the accounting center starts printing on the cash register printer, so that the payment is confirmed. The customer receives his till receipt, the copy (or the 2nd receipt) stays in the till. Equal- The billing center settles the time: credit to the location account, direct debit to the customer's account, possible combination of direct debit (location account) / credit (own success account) for discounting the account.

Payment in an internet company

The customer sits in front of his computer at home (or in an internet cafe, etc.) and buys in an internet shop. After selecting the goods, the customer sees his shipping address (which he must verify), a list of the purchased items, the amount to be paid and the "location number" of the internet shop.

The customer takes his communication device (eg mobile phone), dials the number of the accounting office or presses the "Pay" key. After confirming the connection with the accounting center, he enters the location number, his own PIN and the amount. Should the PIN and location number be accepted the customer receives the amount, has to confirm it and then he is asked to enter the order number of the Internet shop displayed in his shopping basket.

The accounting center can then send two immediate e-mail confirmations: to the location (internet shop) with the amount received and the order number entered and to the customer's e-mail address, where the desired payment (with amount and order number) is confirmed.

In this case, the customer does not have to transmit a credit card number over the Internet and no credit card number has to be stored in the Internet shop.

At the same time, the billing center bills: credit to the account of the location (Internet shop), direct debit to the customer's account, possible combination of direct debit / credit for the discount billing. If the billing currencies of the customer account and the Internet shop account do not match, an immediate warming conversion and the creation of all necessary currency bookings takes place in the billing center.

transfer

A father wants to transfer an amount to his child's account. The child also has an account with the billing center where the procedure is handled.

The customer takes his communication device (eg mobile phone), dials the number of the accounting office or presses the "Pay" key. After confirming the connection with the accounting center, he enters the number of his child's telephone, his own PIN and the amount. If the PIN and the specified number are accepted, the customer is shown the amount and has to confirm it.

At the same time, the billing center bills: credit to the account of the selected telephone number, direct debit to the customer's account, possible combination of direct debit / credit when charging costs / expenses for such transactions.

Another type of transfer would be placing an order with the clearing house to transfer a certain amount available to an account with a foreign bank. After entering the account, the clearing house will be able to make all the necessary postings. In this case the customer must accept that the verification of the recipient of the money (the correctness of the account details) is not possible.

As can be seen from the above description and the examples, it is through the use of non-anonymous communication devices (current state of the art - specifically registered mobile phones, in which the registration is a legitimation of the Customers precedes), the implementation of the processes described and the use of appropriate computer systems possible to significantly simplify and accelerate payment transactions.

The use of _ & edit cards / cash cards and also cash can be reduced - the risks of theft or counterfeiting of a wrong credit card or theft of cash are eliminated. Instead of cards / cash, modern communication devices and systems are used, which make the available amounts available to the participants of the process everywhere at the business partners. The technical infrastructure structure that supports the processing of payment transactions with the communication devices can be created - corresponding technical devices are already available. The process described, which suggests the new way of using these devices, is innovative. This new type of exploitation is made possible by the creation of appropriate software solutions.

The security of the payment transactions is improved - the "location number" of the business partner presented to the customer must have a contract with the clearing agent, so that the cash flows become more transparent. The customer also uses a communication device that is approved by name. a contract with the clearing house and is therefore clearly identifiable and recognizable for all transactions.

If a communication device is stolen, the PINs are unknown - in this way, calls can be made with the stolen device, but payments without knowing the PIN become impossible. The customer is not identified by the signature, but by the technical recognition of his non-anonymous personal communication device. The customer is assigned to his accounts by entering the PIN.

The settlement and booking of a payment transaction is preferably carried out immediately. Customers can find out immediately what amount is being sold through the clearing house. is available. With a corresponding connection between the clearing house and the bank, the business partners can receive the credit notes practically immediately.

The accounting center can be created in such a way that it functions as a "black box" solution. All processes can be fully automated, all accounting and posting takes place immediately.

refinements

The process can also simplify the processing of cash payments from the ATMs, the ATM card would no longer be required - the ATM would be seen as a terminal of the process - the payment is made instead of being offset against the business partner.

Other possibilities arise in the field of cash withdrawals and deposits, which in this case can also take place in “mobile deposit points”.

The concept of the process can be used in several other areas, such as:

Patient at the doctor (identification with the procedure instead of a medical certificate): the doctor-health insurance billing can take place immediately when using the procedure;

Another example can be the payment of damage reports - an insurance company (in this case viewed as a customer of the procedure) can transfer an amount of money immediately to the policyholder or a workshop (the business partner). Patient / doctor / pharmacist - prescribing medication and picking it up at the pharmacy can be simplified organizationally. The prescription can be transferred directly from the doctor to the pharmacist via the provider and the clearing house, the subsequent payments by the patient and the settlement with the health insurance can be done fully automatically.

Security - when verifying the identity or the various authorizations, the part of the procedure used for identification can be used.

TABLE 1

STRUCTURE OF THE COMMUNICATION CHANNEL

BETWEEN CUSTOMER DEVICES AND THE BILLING CENTER

Time sequence of the required steps

Step customer business partner provider billing center (AZ)

| Number communication device terminal control center accounting system

Presses the "Pay" button. Is the customer device authorized to dial the AZ? (Dials the AZ number) • Rejects (no authorization) Establishes the connection on 9

Connection break

Step 3 table 2

Checks permission

Pure data transfer • - rejects (no authorization) • - asks for PIN

Connection break

Enter PIN Checks PIN rejects (no PIN definition) asks for transaction

Connection break

Returns the symbol of the desired Checked transaction symbol: Transaction on ~~~~ ^"■ f - rejects (no symbol defined)

(Payment, transfer.—) starts the transaction

Loop - to step 9, or see tables connection interruption 3 and 4

The flow of transactions depends on the definitions that are stored in the billing center system.

TABLE 2

STRUCTURE OF THE COMMUNICATION CHANNEL

BETWEEN ACTIVE DEVICES AND THE BILLING CENTER

Time sequence of the required steps

TABLE 3

PAYMENT PROCEDURE

BETWEEN CUSTOMERS AND THE BUSINESS PARTNER - ACTIVE DEVICE

Time sequence of the required steps: Prerequisites: Customer-AZ connection complete and transaction "Pay" selected (table) and the terminal in the waiting state (connection active)

TABLE 4

PAYMENT PROCEDURE

BETWEEN CUSTOMERS AND THE BUSINESS PARTNER - PASSIVE DEVICE

Time sequence of the required steps: Prerequisites: Customer-AZ connection complete and transaction "Pay" selected (table), the terminal in the waiting state (no connection)

Claims

claims:

1.Procedure for cashless payment, in which a customer transfers an amount of money to a business partner via a clearing house, characterized in that the customer uses a personalized, non-anonymous telecommunication device to inform the clearing house of his PIN, the location number identifying the business partner and the amount to be transferred that the clearing house then checks the authorization of the customer on the basis of the connection with the transmitted identification of the telecommunication device and the PIN and communicates the amount to the business partner identified by the location number or their terminal device and requests their consent to the transaction and upon receipt from whose consent the transaction is carried out and this is communicated to the customer and the business partner.

2. Devices for carrying out the method according to claim 1, comprising: a personalized telecommunication device of the customer, an accounting point connected to telecommunication devices with a customer database, the at least memory for the identification of the personalized telecommunication device, for the identification of the customer, for at least one associated PIN, for at least one associated account and / or an associated account connection and for an amount, furthermore a business partner database, possibly different from the customer database, which at least stores the location numbers, the identification of the business partner and for at least one associated account and / or an associated one Has account connection, with a data processing system that compares the transmitted identifier of the personalized telecommunication device and the transmitted PIN with the entries in the customer database and depending Based on the result of the comparison and by comparing the transmitted location number with the entries in the business partner database, the business partner is determined, notifies him, if necessary to his end device, of the transmitted amount using the telecommunications device and, after receiving the consent of the business partner, debits the customer's account, the account of the GC ge

business partner, possibly reduced by a commission, and notifies both of them of the completion of the transaction by means of the telecommunications device.

3. Device according to claim 2, characterized in that the accounts of the customer and / or the business partner are kept at banks and that the clearing house uses its telecommunications device to notify the changes in the account balances of the corresponding bank.

4. Device according to one of claims 2 or 3, characterized in that the personalized telecommunication device of the customer is assigned a plurality of PINs which are assigned to different accounts or account connections.

5. Personalized, non-anonymous, telecommunication device for use in the method according to claim 1, characterized in that it has a button, the actuation of which establishes the connection with the telecommunication device of the accounting office and the request to enter the PIN, the location number and the transferring amount.

6. Personalized, non-anonymous, telecommunication device for use in the method according to claim 1, characterized in that it has a menu item, the activation of which establishes the connection with the telecommunication device of the accounting office and the request for the PIN, the location number and the transferring amount.