WO2003032267A2 - Verfahren zum elektronischen zustellen und begleichen von rechnungen - Google Patents
Verfahren zum elektronischen zustellen und begleichen von rechnungen Download PDFInfo
- Publication number
- WO2003032267A2 WO2003032267A2 PCT/DE2002/003727 DE0203727W WO03032267A2 WO 2003032267 A2 WO2003032267 A2 WO 2003032267A2 DE 0203727 W DE0203727 W DE 0203727W WO 03032267 A2 WO03032267 A2 WO 03032267A2
- Authority
- WO
- WIPO (PCT)
- Prior art keywords
- customer
- biller
- bill
- invoice
- 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
- G06Q30/00—Commerce
- G06Q30/04—Billing or invoicing
-
- 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
-
- 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
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/102—Bill distribution or payments
-
- 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
- G06Q20/14—Payment architectures specially adapted for billing systems
Definitions
- the invention relates to a method according to the preamble of claim 1.
- the invention has for its object to show a way how an efficient delivery and settlement of invoices can be realized with a high level of acceptance by the customer.
- a particular advantage of the invention is that invoices that were sent in paper form in the prior art are now electronically delivered and paid. For this purpose, for example, an email is sent to the customer by the biller. Invoicing via e-mail means on the one hand great savings for the biller (no paperwork) and on the other hand a lower error rate when filling out the invoice form than home banking via special software. Furthermore, no own home banking program to be purchased by the customer has to be used, since the information contained in the e-mail establishes a direct connection to a banking interface (eg to the access server of the house bank).
- a banking interface eg to the access server of the house bank
- the email contains a connection / interface / link (e.g. http URL) to a bank interface.
- a connection / interface / link e.g. http URL
- the order is e.g. electronically recorded, compiled and sent by mail order.
- the customer therefore receives his goods without an invoice, which he receives by email. He knows that the invoice is in the mailbox by e-mail, since he has received the consignment. However, instead of printing the invoice, transferring it to a transfer form and sending it to his bank, the customer is able to pay the invoice directly online.
- Fig. 1 invoice delivery via email
- Fig. 2 invoice delivery via billing server
- Fig. 3 invoice delivery via instant messaging
- each customer K has an e-mail connection and can manage his account via home banking. This now applies to a large number of households.
- the invoice is transmitted by email from the biller RS to the customer K concerned.
- the email can be sent using a cryptographic process such as PGP are encrypted.
- the e-mail contains the necessary invoice data such as the data of the biller RS (company name, account, bank code) and the amount to be paid.
- the email also contains an instruction, e.g. an HTTP link that accesses the customer's bank access via a home banking interface such as HBCI (Home Banking Computer Interface) or PIN / TAN access and automatically enters the necessary transfer data.
- a home banking interface such as HBCI (Home Banking Computer Interface) or PIN / TAN access
- the customer authenticates the transfer by querying the PIN and TAN or, in the case of the HBCI interface, by reading in the data from the HBCI chip card.
- TRANSFER is addressed to the Home Banking Server HBS.
- a software program SWP loaded at the customer's PC can be addressed, which, after simple pre-configuration by the customer, contains the required address of the Home Banking Server HBS as well as other customer-relevant data such as bank code, account number of Bank details of the customer from the call builds up to transmit the authentication and transfer data. Further data such as bank code and account number of biller RS as well as the amount to be transferred are also taken from the email (or the link).
- the software program SWP uses, for example, the internet connection set up to read the e-mail in order to contact the bank via HBCI (or PIN / TAN) and arrange for the transfer. After authentication, the customer can also be enabled to prevent the transfer at any time, which prevents misuse.
- the necessary software can, for. B. as downloadable applications such as Java applets JAP or ActiveX controls either sent in the email or when you click on the
- Links can be downloaded from a server. Security aspects play an important role here.
- the server of the biller RS establishes a connection to the bank computer HBS and queries the authentication data from the customer and forwards them in order to initiate the transfer.
- this variant is more complex than the solution described at the outset, it may be associated with less effort for the customer K and can be carried out more securely by means of correspondingly secure data connections between the biller RS and the bank.
- a billing server BS is arranged between the biller RS and the customer K.
- the billing server BS installs the necessary link in the email sent by the biller and forwards it to the customer K. When the link is selected, it receives a forwarded to the bank server HBS and also informed the biller about the execution. Additional services can be offered via the billing server BS, for example online checking of the customer's account balance with the biller (ie "Which bills are still open?").
- the billing server can also download the Java applet JAP required in the scenario described above provide.
- invoicing has mainly been described in the form of an email as the transmission medium for the invoice.
- the method shown can also be transferred to WAP or IM messages.
- the customer K receives his invoice by SMS, goes to the data network via WAP and can thus pay the invoice.
- the customer K can in principle immediately receive a message that there is an invoice.
- the invoice data can be sent to the customer with an Instant Messag IN, as can the link described.
- the customer can in the same way as in the case of email that
- the direct home banking access of the customer may not be absolutely necessary; by clicking on the email link, he could also issue a kind of "one-time direct debit authorization" that only applies to this transaction. This means that customers without explicit home banking can also do this
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Finance (AREA)
- Engineering & Computer Science (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Development Economics (AREA)
- Theoretical Computer Science (AREA)
- Economics (AREA)
- Marketing (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
Description
Claims
Priority Applications (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
EP02800538A EP1433147A2 (de) | 2001-10-05 | 2002-10-01 | Verfahren zum elektronischen zustellen und begleichen von rechnungen |
US10/491,972 US20040249750A1 (en) | 2001-10-05 | 2002-10-01 | Method for electronically issuing and settling bills |
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
DE10149298A DE10149298A1 (de) | 2001-10-05 | 2001-10-05 | Verfahren zum elektronischen Zustellen und Begleichen von Rechnungen |
DE10149298.7 | 2001-10-05 |
Publications (2)
Publication Number | Publication Date |
---|---|
WO2003032267A2 true WO2003032267A2 (de) | 2003-04-17 |
WO2003032267A3 WO2003032267A3 (de) | 2003-12-18 |
Family
ID=7701602
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
PCT/DE2002/003727 WO2003032267A2 (de) | 2001-10-05 | 2002-10-01 | Verfahren zum elektronischen zustellen und begleichen von rechnungen |
Country Status (4)
Country | Link |
---|---|
US (1) | US20040249750A1 (de) |
EP (1) | EP1433147A2 (de) |
DE (1) | DE10149298A1 (de) |
WO (1) | WO2003032267A2 (de) |
Cited By (2)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
FR2857126A1 (fr) * | 2003-06-17 | 2005-01-07 | Ecureuil Proximite | Solution technique de transaction par courrier electronique |
AU2006236243B2 (en) * | 2005-04-19 | 2011-03-24 | Microsoft Corporation | Network commercial transactions |
Families Citing this family (15)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
EP1501057A1 (de) * | 2003-07-21 | 2005-01-26 | Sap Ag | Verfahren, Softwareanwendung und System zur automatischen Rechnungsverarbeitung |
US7849020B2 (en) * | 2005-04-19 | 2010-12-07 | Microsoft Corporation | Method and apparatus for network transactions |
US8996423B2 (en) * | 2005-04-19 | 2015-03-31 | Microsoft Corporation | Authentication for a commercial transaction using a mobile module |
US20060235795A1 (en) * | 2005-04-19 | 2006-10-19 | Microsoft Corporation | Secure network commercial transactions |
US9911114B2 (en) | 2006-07-06 | 2018-03-06 | Qualcomm Incorporated | Methods and systems for making a payment via a stored value card in a mobile environment |
US8467766B2 (en) | 2006-07-06 | 2013-06-18 | Qualcomm Incorporated | Methods and systems for managing payment sources in a mobile environment |
US8160959B2 (en) | 2006-07-06 | 2012-04-17 | Firethorn Mobile, Inc. | Methods and systems for payment transactions in a mobile environment |
US8145568B2 (en) | 2006-07-06 | 2012-03-27 | Firethorn Mobile, Inc. | Methods and systems for indicating a payment in a mobile environment |
US8489067B2 (en) * | 2006-07-06 | 2013-07-16 | Qualcomm Incorporated | Methods and systems for distribution of a mobile wallet for a mobile device |
US8121945B2 (en) * | 2006-07-06 | 2012-02-21 | Firethorn Mobile, Inc. | Methods and systems for payment method selection by a payee in a mobile environment |
US8510220B2 (en) | 2006-07-06 | 2013-08-13 | Qualcomm Incorporated | Methods and systems for viewing aggregated payment obligations in a mobile environment |
KR100833625B1 (ko) | 2006-10-23 | 2008-05-30 | 주식회사 신한은행 | 메신저를 이용한 공과금 납부 처리 방법과 이를 위한 기록매체 |
EP2165307A4 (de) * | 2007-05-25 | 2011-10-05 | Metafos Inc | Anonyme online-bezahlungssysteme und verfahren |
US10096008B2 (en) * | 2012-09-10 | 2018-10-09 | Mastercard International Incorporated | Methods and systems for processing electronic disbursements |
DE102018112319A1 (de) * | 2018-05-23 | 2019-11-28 | Swissodont Gmbh | Verfahren zum Rechnungsmanagement |
Citations (7)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US6157917A (en) * | 1997-07-11 | 2000-12-05 | Barber; Timothy P. | Bandwidth-preserving method of charging for pay-per-access information on a network |
EP1067472A1 (de) * | 1999-07-05 | 2001-01-10 | Swedgiro AB | Verfahren zum Aussenden von Rechnungen oder Kontoauszügen |
WO2001009756A2 (en) * | 1999-07-30 | 2001-02-08 | Safewww, Inc. | A system and method for secure network purchasing |
WO2001041020A1 (en) * | 1999-12-03 | 2001-06-07 | Bottomline Technologies, Inc. | Server-based billing and payment system |
WO2001048715A2 (en) * | 1999-12-28 | 2001-07-05 | Nokia Corporation | Apparatus, and associated method, for remotely effectuating a transaction service |
US6285991B1 (en) * | 1996-12-13 | 2001-09-04 | Visa International Service Association | Secure interactive electronic account statement delivery system |
US6289322B1 (en) * | 1998-03-03 | 2001-09-11 | Checkfree Corporation | Electronic bill processing |
Family Cites Families (1)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
FI109949B (fi) * | 2000-04-07 | 2002-10-31 | Domiras Oy | Menetelmä palveluiden laskuttamiseksi, palvelin ja tietoliikennejärjestelmä |
-
2001
- 2001-10-05 DE DE10149298A patent/DE10149298A1/de not_active Withdrawn
-
2002
- 2002-10-01 US US10/491,972 patent/US20040249750A1/en not_active Abandoned
- 2002-10-01 EP EP02800538A patent/EP1433147A2/de not_active Withdrawn
- 2002-10-01 WO PCT/DE2002/003727 patent/WO2003032267A2/de not_active Application Discontinuation
Patent Citations (7)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US6285991B1 (en) * | 1996-12-13 | 2001-09-04 | Visa International Service Association | Secure interactive electronic account statement delivery system |
US6157917A (en) * | 1997-07-11 | 2000-12-05 | Barber; Timothy P. | Bandwidth-preserving method of charging for pay-per-access information on a network |
US6289322B1 (en) * | 1998-03-03 | 2001-09-11 | Checkfree Corporation | Electronic bill processing |
EP1067472A1 (de) * | 1999-07-05 | 2001-01-10 | Swedgiro AB | Verfahren zum Aussenden von Rechnungen oder Kontoauszügen |
WO2001009756A2 (en) * | 1999-07-30 | 2001-02-08 | Safewww, Inc. | A system and method for secure network purchasing |
WO2001041020A1 (en) * | 1999-12-03 | 2001-06-07 | Bottomline Technologies, Inc. | Server-based billing and payment system |
WO2001048715A2 (en) * | 1999-12-28 | 2001-07-05 | Nokia Corporation | Apparatus, and associated method, for remotely effectuating a transaction service |
Cited By (2)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
FR2857126A1 (fr) * | 2003-06-17 | 2005-01-07 | Ecureuil Proximite | Solution technique de transaction par courrier electronique |
AU2006236243B2 (en) * | 2005-04-19 | 2011-03-24 | Microsoft Corporation | Network commercial transactions |
Also Published As
Publication number | Publication date |
---|---|
EP1433147A2 (de) | 2004-06-30 |
DE10149298A1 (de) | 2003-04-17 |
US20040249750A1 (en) | 2004-12-09 |
WO2003032267A3 (de) | 2003-12-18 |
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