WO2015181293A1

WO2015181293A1 - Payment method

Info

Publication number: WO2015181293A1
Application number: PCT/EP2015/061840
Authority: WO
Inventors: Uwe Klimmer
Original assignee: Uwe Klimmer
Priority date: 2014-05-28
Filing date: 2015-05-28
Publication date: 2015-12-03
Also published as: DE102014107570A1

Abstract

The invention relates to a payment method based on a computer-implemented method for processing purchase-specific and user-specific data, having at least one online shop (1) which carries out the transmission of purchase-specific data (2) with or without a webserver; and at least one computer system (3) with access to user-specific data (5) which is stored by a user and which is suitable for receiving the purchase-specific data (2) transmitted by the at least one online shop (1), wherein a query (4) of the user-specific data (5) stored in the at least one computer system (3) is carried out; the user-specific data (5) requested by the query (4) is returned (6) to at least one computer system (3); the transmitted purchase-specific data (2) of the at least one online shop (1) is processed together with the requested user-specific data (5) returned to the at least one computer system (3); and a response (7) is output to the at least one online shop (1) on the basis of the result of the processing.

Description

Beza hiverfahren

Technical area

The present invention relates to a method based on a computer-implemented payment method for processing purchase-specific and user-specific data, depending on a result of a comparison of purchase-specific data with user-specific data feedback to at least one online shop is issued and optionally the payment process is completed.

State of the art

Due to the widespread use of online shops, it is possible to buy almost all everyday objects via one or more online shops. Since it is generally customary in addition to the everyday items in online shops to offer goods that are subject to age restrictions, depending on the applicable laws and guidelines, an operator of an online shop has a great interest in capturing the age of the customer. An example of age restriction may be movies or video games in this context. In Germany, films are approved by the voluntary self-regulation of the film industry (FSK) and released at a certain age (equivalent to the "minimum age") A commercial seller, both when selling a film and when selling a video game with an age rating provided by the FSK or USK, must ensure that the customer who is interested in acquiring the film meets that minimum age, or his legal representative has permission to acquire this medium.

A control of the age in conventional shops is often done by a request to showcase a valid photo ID, such as an identity card or passport. It would therefore be obvious that even in an online shop when buying an article that requires a minimum age, the operator of the online shop, for example, a digital copy of a photo ID to prove the age is required. For the operator of an online shop, however, this means a huge additional administrative Workload, as it must provide a privacy-compliant and other personal privacy protection solution for securely storing a copy of the photo ID for any customer interested in doing so. Also, the operator of the online shop must ensure that the customer making the order is the same as the owner of the photo ID provided.

For the customer, the need to check the age usually means delaying the delivery time of the desired product, since the online shop operator can not send the order to the customer until the required age control has been completed. Many customers also have concerns about protecting their personal information. In particular, when placing orders with multiple, independent online shops, it is often the case that each online shop a single copy of a digital photo ID must be presented. For legal representatives of minors, there is the problem that the minors, under the age of the wrong age in online shops can acquire items that are unsuitable for their age. Another problem is that there are offers on the Internet that are considered by the legislator to be unsuitable for minors. As an example of such an offer can serve the lottery game, whose participation is provided only from the age of 18 years by the legislature.

Presentation of the invention

Accordingly, it is an object of the present invention to provide a payment system in the area of the Internet that provides convenient verification of user-specific data. This object is achieved by means of a payment system according to claim 1. Advantageous embodiments emerge from the subclaims.

Accordingly, with the payment system based on a computer-implemented method for processing purchase-specific and user-specific data, wherein at least one online shop, with or without a web server accomplishes the shipment of purchase-specific data and at least one computer system is present, with access to a user-specific stored by a user Data which is suitable for receiving the purchase-specific data sent by the at least one online shop, according to the invention carried out a query of user-specific data stored in at least one computer system, and the user-specific data queried by the query to at least one computer system is returned, wherein the dispatched purchase-specific data of the at least one online shop are processed with the returned to the at least one computer system queried user-specific data and based on the result of processing a response is output to at least one online shop. Due to the steps according to the invention, it is possible, depending on the result of the processing of the user-specific data and the purchase-specific data, to return at least one online shop regarding certain prerequisites.

Advantageously, the user-specific data queried with the query are age-specific data. By requesting and processing age-specific data, it is possible to ensure compliance with a possibly existing minimum age with regard to certain sales items of at least one online shop.

Likewise, in the context of a preferred embodiment, it is possible that user-specific data is also sent when shipping purchase-specific data from at least one online shop. By this procedure, a comfortable transfer of user-specific data, in the sense of, for example, login data and the like can be achieved.

It is also possible that the purchase-specific data is data relevant for a payment transaction, as well as, for example, a possible minimum age. This provides the possibility of a comfortable and secure verification of compliance with this minimum age by comparing the minimum age with the user-specific age. According to a further embodiment, the further computer system is at least one web server. This embodiment enables a powerful and secure technical infrastructure and the accessibility and scalability of the computer system can be adapted to the individual requirements. The fact that the query is a database query gives a powerful query possibility. Similarly, the scalability and required computational effort can be estimated very well by a database query.

In a further embodiment, it is provided that the user-specific data is queried from a database server. This will provide a powerful and secure infrastructure. Implementation of the payment system using a closed or open network and / or the Internet provides a mature and proven technical infrastructure. By realizing the receipt of data and / or sending the data in a secure Internet environment, such as Hypertext Transfer Protocol Secure (HTTPS), an Internet environment ensuring the personal user-related data of the customer can be made available. A realization of the at least one online shop and of the at least one computer system in a secure Internet environment, such as Hypertext Transfer Protocol Secure (HTTPS), can be realized which safeguards the customer's purchase-related and personal data. The payment system provides, according to another embodiment, a controllable algorithm for the purpose of true-manual management of deposits or monetary management of monetary units. Through this faithful management or storage of monetary units is a clear for the user platform for managing the reached monetary units. In a preferred embodiment, as monetary units, bank deposits, credit card payments, cash deposits and / or other monetary means are provided.

Due to the fact that the user of the computer system registered by means of user-specific data can set other activation criteria within his user account on the computer system in addition to age-specific data, individually configurable open spaces can be achieved in connection with possible restrictions of mobile shopping possibilities.

In another embodiment, the activation criteria are the number of allowed business transactions per hour / day / week / month / year. In this embodiment, it is necessary to count the business transactions in a defined period by, for example, a counter built into the stored user-specific data and to compare them with a value defined by the user. This feature allows the user of the payment system to make far-reaching adjustments, especially with regard to the protection of minors.

In a preferred embodiment, the number of permitted business transactions per unit of time can be linked to a monetary amount. For example, you can define an amount of 50 € per month may be spent. In this embodiment, therefore, it is necessary to consider not only the current user-specific data but also the user-specific data that has occurred in a defined time frame. It follows that the computer system in addition to the query of the stored user-specific data can also perform a write to the stored user-specific data. This feature allows the user of the payment system to make far-reaching adjustments, especially with regard to the protection of minors.

In a further preferred embodiment, it is provided that clearly defined uses can be defined as selection criteria. This makes it possible, for example, for the user to set up a lock for certain business areas, which makes sense, for example, for lottery transactions in connection with underage users. The selection criterion of the usage purpose can also be linked to the selection criteria of allowed business transactions per time unit and the monetary amount. When linking the selection criterion of the intended use with the selection criterion of the permitted business transactions per time unit and / or the selection criterion of the monetary amount, it is also necessary to take into account not only the current user-specific data but also the user-specific data that has occurred within a defined time frame are. The result is that the computer system in addition to the query of the stored user-specific data can also write to the stored user-specific data. This feature allows the user of the payment system to make far-reaching adjustments, especially with regard to the protection of minors.

In another embodiment, the selection criteria are health-related criteria. These criteria may be, for example, allergens known to the user and / or drug intolerances. The user can enter these health-related criteria in the stored user-specific data and so it is for example possible that the user for example, in a known allergy to lactose and when ordering a product containing lactose, the online shop is informed or the online shop to buy denied. A socially relevant criterion may include, for example, a crime committed that prevents a purchase for certain goods such as chemicals. Also, a business-relevant criterion, which may be, for example, a creditworthiness or the like, is possible. If, for example, the user wants to order a product that exceeds his creditworthiness or his financial means, there is a feedback to the at least one online shop depending on the processing of the stored user-specific data with the purchase-specific data. The feature of automatically converting real monetary units into virtual monetary units increases the ease of use and thus the acceptance of the payment system. In an embodiment that provides for the manual user-authorized conversion of real monetary units to virtual monetary units, the user can independently decide how much monetary units he wants to use for the payment system and what amount he wants to hold back in real monetary units. In particular, in connection with mobile terminals such as mobile phones, smart phones, tablets and the like, it is possible to assign the monetary units by coding to one or more receivers.

Another embodiment describes the possibility that the real or virtual monetary units can be used and / or stored as real or virtual storage volumes on mobile and / or stationary devices of a recipient. This capability allows the real or virtual monetary unit to be used on the mobile or stationary devices even in the event of a disruption of a possibly necessary connection to a network, and / or can be transmitted and / or received after a connection has been reestablished ,

Another embodiment provides that the payment system can be obtained as software from a closed or open network and / or the Internet. This option makes it possible to use the payment system independently of a connection to a closed or open network or the Internet.

In a preferred embodiment, the payment system is usable on mobile phones, smartphones, tablets, clients and / or stationary PC devices. In particular, the widespread use of smartphones broad market coverage and, consequently, a high availability of points of acceptance is possible. Brief description of the figures

Preferred further embodiments and aspects of the present invention are explained in more detail by the following description of the FIGURE:

Fig. 1 embodiment in accordance with claim 1

Fig. 2 First possible implementation

Fig. 3 Second possible implementation

Detailed description of preferred embodiments

In the following, preferred embodiments will be described with reference to the figures.

1 shows an embodiment based on claim 1. In the embodiment shown, an online shop (1) is provided which accomplishes the shipment of purchase-specific data (2) using a web server (not shown). These purchase-specific data are received by a computer system (3) and according to the invention a query (4) of user-specific data (5) stored in the computer system (3) is carried out.

Through this strict separation of online shop (1) and computer system (3), an increased security for personal data can be achieved because in the case of a data leak at the online shop (1) very personal data, such as age, marital status and the like, are not stored there , The user-specific data (5) requested by the query (4) are returned to the computer system (3) (6). In Fig. 1, a single computer system (3) is shown schematically. However, it is possible that the computer system (3) consists of a network of computers and this (coupled) network forms a computer system (3). The queried stored user-specific data (5) are returned to the computer system (3) (6) and processed with the sent purchase-specific data (2) of the online shop (1). Depending on the result of this processing, a reply (7) is returned to at least one online shop (1).

Fig. 2 shows an embodiment of the payment system based on a purchase of a commodity, which requires a minimum age for the purchase. For example, this could be an FSK-approved movie, a USK-reviewed video game, or certain everyday items. In the embodiment shown in FIG. 2, the user of an online shop (1) is to be bought after selection Goods arrived at the point of payment at the time of purchase (not shown). The buyer selects the payment system as a payment method based on a computer-implemented method for processing purchase-specific and user-specific data. Through this selection, the payment process is initiated and with the initiation of the payment process the online shop (1) sends a required minimum age, the purchase-specific data (2), to the computer system (3) of the payment system. The computer system (3) in the embodiment shown in Fig. 2 is a web server (not shown) and the sending of the minimum age and the initiation of the payment transaction (21) take place over the Internet (not shown). The user dials by means of his access data on the computer system (3) and the computer system (3) stores both from the online shop (1) received data of the payment process, as well as the minimum age as known from the relevant prior art, between (not shown). Subsequently, the computer system (3) carries out a query (4) of the user-specific data (5) stored by the user and returns the stored user-specific data (6) to the computer system (3). The stored user-specific data may, for example, be the age and / or the family relationships and / or other user-specific data. In the embodiment shown in Fig. 2, the computer system (3) retrieves the age of the user (not shown) from the returned user-specific data (6) and compares this age with the minimum age (21) sent by the online shop (1).

If, as a result of this processing, the result is that the age of the user is greater than the required minimum age, then, according to further tests defined by the computer system (3), the online shop (1) is signaled by a feedback (7) that the User has the required minimum age and is entitled to purchase the goods (not shown).

If, however, this processing proves that the age of the user is smaller than the required minimum age, the online shop (1) will be signaled by a reply (7) that the user does not have the required minimum age and the payment process will be aborted (not shown).

Fig. 3 shows another embodiment of the payment system based on the purchase of multiple items with different requirements for the minimum age. These may be, for example, films audited by the FSK and released after a certain age, or video games audited by the USK and approved after a certain age, or other goods. The user of a Online shops (1) has reached the payment point after selecting the goods to be purchased (not shown). As a payment method, the user of the online shop (1) selects the payment system based on a computer-implemented method for processing purchase-specific and user-specific data. The payment process is thereby initiated and with the initiation of the payment transaction the online shop (1) sends the contents of the basket in the form of uniquely identifiable product names or serial numbers (not shown), the purchase specific data (2), to the computer system (3) of the payment system. The computer system (3) in the embodiment shown in Fig. 3 is a web server (not shown) and the initiation of the payment transaction and the shipment of contents of the shopping cart (31) take place via the internet (not shown).

The computer system (3), depending on the content of the basket of goods received, retrieves the different age ratings (32). This retrieval of age ratings is done from one or more product databases (33). The computer system (3) selects from the different age ratings the age rating that describes the highest minimum age. This selection is known from the relevant prior art and is therefore not further described. The computer system (3) is returned the highest age rating (34) (not shown) and this highest age rating is cached in the computer system (3) using methods known in the art.

The user dials in either before the retrieval of age ratings (32) by means of his access data on the computer system (3) or after the computer system (3) has made the retrieval of age ratings described in the previous sections. The computer system (3) stores both the data of the payment process and the highest age rating between, as is well known in the relevant art (not shown).

Subsequently, the computer system (3) carries out a query (4) of the user-specific data (5) stored by the user and returns the stored user-specific data (6) to the computer system (3). The stored user-specific data may, for example, be the age and / or the family relationships and / or other user-specific data. In the embodiment shown in Figure 3, the computer system (3) retrieves the user's age (not shown) from the returned user-specific data (6) and compares that age with the selected highest age rating.

If, as a result of this processing, the result is that the age of the user is greater than the age rating, then, after further checks defined by the computer system (3), the online shop (1) by a response (7) signals that the user has the required age and is entitled to purchase the goods (not shown).

If, on the other hand, it should appear that the age of the user is smaller than the age approval, then the online shop (1) is signaled by a reply (7) that the user does not have the required age and the payment process is aborted (not shown) ).

The payment system based on a computer-implemented method for processing purchase-specific and user-specific data can also be used to define the purchase frequency, the permitted money supply and / or different purchase items. Thus, for example, it is possible that the payment procedure allows certain legal transactions to be controlled by the user. An example of this may be that guardians allow a purchase over a fixed value of goods for their children, but in principle exclude participation in a lottery.

The security of the payment system based on a computer-implemented method for processing purchase-specific and user-specific data is ensured by constant checking by expert third parties. These control the payment system for security gaps in order to exclude or at least aggravate misuse, loss, forgery and / or multiple use.

In another embodiment, shown in FIG. 4, the communication at a payment point (POS) using the payment system based on a computer-implemented method is explained by way of example.

In the first step, the user who wants to pay for a product or the like holds his mobile device, in this embodiment a smartphone, at the POS to a payment terminal (POS terminal). Using known communication devices such as Bluetooth, Near Field Communication (NFC) or the like, the communication between the user's smartphone and the POS terminal is performed. The communication between the user's smartphone and the POS terminal is used to uniquely identify the user. The unique identification can be performed, for example, by means of a unique ID optionally in connection with the entry of a PIN. In a second step, the POS terminal sends an authorization request to a payment network, transmitting the data used to identify the user. In a third step, the identification data from the payment network is forwarded directly to a central network server, which is operated by an exhibition network.

In a fourth step, the authorization request is forwarded by the central network server to a server which processes the authorization request using the payment system based on a computer-implemented method and either accepts the authorization request for payment or rejects it with a reason, depending on the result of this processing ,

The notification of acceptance or rejection stating a reason is sent in step five back to the central network server by the server that has processed the authorization request, which forwards them in a sixth step to the payment network. The payment network sends the notification of acceptance or rejection stating a reason in step seven to the POS terminal, which either displays the notification to the user using Bluetooth, NFC or similar communication media on the smartphone, or outputs acoustically.

In step eight, if the payment is accepted, the payment network forwards this notification to the bank of the store where the POS terminal is located, stating the amount of money, the currency and, if appropriate, a specific use.

The bank of the shop, based on the contents of the notification of the payment network, performs a debit in step nine from the account of the user who made the payment request and credits the amount of money to the account of the shop. In another embodiment, both the user's account and the shop's account may be a virtual account.

It will be appreciated that the optimal structure for implementing a payment system based on a computer-implemented method consists of a warehouse control system, a POS terminal, a payment terminal, a card network and the payment server web server based on a computer-implemented method. Another embodiment depicted in FIG. 5 exemplifies communications between a user shopping at an online store and the payment system based on a computer-implemented method.

In this embodiment, the user is initially on the website of an online store and has already stored some goods in his virtual shopping cart, which he has provided for purchase. In step 1, he opens his virtual shopping cart and the products the user places in the shopping cart appear as a product list. In this product list, the user can make various changes, such as changing the number of individual products, remove products from the shopping cart and display the payment options for the shopping cart in step 2. The possible payment options are definable by the operator of the online shop. Among the payment options in this embodiment is the payment system based on a computer-implemented method.

The user thus chooses the payment system based on a computer-implemented method in step 3 as a payment option.

In step 4, which is initiated by the server of the online shop, the actual payment process is initiated by the server of the online shop. For this purpose, the required data is transmitted to the web server of the payment system based on a computer-implemented method. The data transmitted here can be a unique online shop ID that serves to identify the online shop, name and number of products, product price, total price of the shopping cart, applicable taxes and additional fees such as shipping costs or customs fees. As part of this transfer of data, the user is directed to the website of the payment system based on a computer-implemented method.

In step 5, the user is prompted to log onto the website of the payment system based on a computer-implemented method. This is done in the present embodiment with the help of an email address and by a user freely selectable password. It is also possible that the user identifies himself by entering his mobile number and his freely selectable password. The payment server's web server based on a computer-implemented method checks the user-entered identification information in step 6 and compares this information with the identification information stored in the database of the web server. If the information stored in the database matches the information entered by the user, the user can be uniquely identified and logged into his account. In the event that either the user-entered email address or the password entered does not match the information from the database of the payment system website based on a computer-implemented method, this is indicated by an error message from the website and the user is prompted to check the login information entered by him for correctness. Should the case arise that the user does not have an account on the website of the payment system based on a computer-implemented method, the user is asked if he wants to create an account. After the successful identification of the user and the successful logging into his account on the website of the payment system based on a computer-implemented method, the user is transferred in step 4 from the server of the online shop to the server of the payment system based on a computer-implemented method The user's shopping cart. This happens in step 7, whereby in addition to the shopping cart, also the transferred payment details, such as individual prices of the products, total price of the shopping cart, shipping costs and taxes are displayed.

The confirmation of the payment process takes place in step 8, wherein the web server of the payment system based on a computer-implemented method in step 4 from the online store transferred to this data with the user-made settings within his account on the web server of the payment system based on be aligned with a computer-implemented method.

Thus, for example, in step 9 the monetary value of the final value of the basket is compared with an optionally definable monetary limit by the user. It is also possible that the required minimum age of the individual products of the user's shopping cart are compared with the deposited in the user's account age and depending on the result, either the payment process is continued, or the payment process due to an unfulfilled minimum age and / or overrun of the monetary limit is aborted and the user is notified by an error message. In the event that the user is below the monetary limit and also has the required minimum age to purchase the products in the shopping cart, the account of the user, or the associated bank account with the actual final amount of the basket is charged (step 10) and this Final amount is credited in step 1 1 the account, or the associated bank account of the online store.

In step 12, the web server of the payment system informs the web server of the payment system based on a computer-implemented method of the payment status of the user's shopping cart and this is presented to the user in step 13 in the form of an overview within the online shop.

In another embodiment depicted in FIG. 6, a user (user 1) can directly send another user (user 2) a cash amount using a mobile phone based on the payment system based on a computer-implemented method without using a payment institution such as a bank or such an institution is wound up and this leads, for example, to a delay of the money transfer or to additional fees. To uniquely identify the different users, the telephone number of the user is used in this additional embodiment, which is stored in the account belonging to the user on the web server of the payment system based on a computer-implemented method.

In step 1, user 1 initiates the transfer of a certain amount of money, in the present example 20 euros, to the telephone number of user 2. For example, user 1 sends a Short Message Service (SMS) to a predefined telephone number that is sent to a web server of the payment system based on a computer is associated with the implemented method. This SMS has, for example, the form "payEURO (amount of the money, telephone number of the recipient). In the present example, user 1 sends an SMS with the content "payEURO (20, 0123456789) to the phone number of the payment server web server, based on a computer-implemented method.

The web server of the payment system based on a computer-implemented method checks the syntax of the user's SMS 1 and checks in step 2 a possibly existing monetary limit on the account of the user 1.

In the event that user 1 exceeds the monetary limit by the requested transaction, the web server sends the payment system based on a computer-implemented Procedures a corresponding notification in the form of an SMS to user 1 and aborts the money transfer.

In the event that user 1 does not exceed the monetary limit by the requested transaction, the payment server web server executes the cash transaction in step 3 based on a computer-implemented method. In the present embodiment, this means that the account of the user 1 is charged with 20 euros, while the account of the user 2 20 euros are credited. In step 4, user 1 receives a status message confirming the successful transaction of the money to user 2, or indicating that the monetary limit has been exceeded by the transaction.

In the event that the status message from step 4 to user 1 has confirmed the transaction, user 2 receives a message in step 5, which serves as a payment confirmation and includes the phone number of the user 1, the amount of money and the date and time of the transaction.

In an alternative embodiment of FIG. 6, an email address may be used instead of the telephone number. User 1 and User 2 will then be uniquely identified based on their email address.

In the alternative embodiment, user 1 sends an e-mail to an e-mail address associated with the web server of the payment system based on a computer-implemented method, for example in the form "pay EURO (amount of money, email address of user 2). In the present example, user 1 sends an email with the content "payEURO (20, user2@user.com) to the email address of the payment server web server based on a computer-implemented method. The subsequent steps are analogous to those described in the previous steps.

The application of a new user of the payment system based on a computer-implemented method will be described with reference to an embodiment shown in FIG. In this embodiment, a user is on the website of the payment system based on a computer-implemented method and in step 1 clicks a button that allows the creation of a new user account. Following this click, Step 2 opens a web page that allows you to enter personal information. The personal information may include: first name, last name, email address, phone number, monetary limit, date of birth and password. For safety reasons, the entry of a so-called CAPTCHA can be required. By clicking on "Create user account" (step 3), the user transmits the information to the web server of the payment system based on a computer-implemented method, after which the web server checks in a stored database (step 4), if the user already has a user account In the event that the database already has a user with the same email address and / or telephone number, in step 5 it is assumed that the user already has a user account and a message indicating that the user already exists In the opposite case, if there is no match in the database of the web server, in step 6 a new user account is created with the information entered by the user.

Following this, an authentication method is selected in step 7, which consists of the trial sending of an SMS (step 8) containing a codeword or sequence of numbers which the user must enter on the website of the payment server web server based on a computer-implemented method , consists. Alternatively or additionally, a confirmation email (step 9) may be sent with a unique link that the user must invoke by clicking on this link within a web browser to successfully authenticate the email address.

The user is prompted at first login on the web page of the payment server web server based on a computer implemented method (step 10) to enter the confirmation code received via SMS. In the event that the user enters the verification code incorrectly or does not enter a confirmation code, a message prompting for correct entry of the confirmation code will appear. In the event that the user has entered the verification code correctly, he will be forwarded (step 1 1) to an overview of his user account, in which, for example, a virtual money account can be created (step 12), he with a monetary limit (step 13), whereby the monetary limit can be defined on a daily, weekly or monthly basis.

After successful creation of the user account, the user is forwarded to an overview page on the web server of the payment system based on a computer-implemented method, where he gets the entered data in an overview and can adapt if necessary.

Of course, in the embodiments described above, the communication between the individual terminals, servers, networks and user equipment can be encrypted. LIST OF REFERENCE NUMBERS

V. Onlineshop

2: Shipping of purchase-specific data

3: computer system

4: Query

5: Stored user-specific data

6: Return of stored user-specific data

7: Feedback

21: Introduction Payment process and shipping of a minimum age

31: Introduction Payment procedure and shipping Content of the basket

32: Retrieval of age rating

33: product database

34: Selection of the highest age rating

Claims

claims

Payment system based on a computer-implemented method for processing purchase-specific and user-specific data, comprising:

at least one online shop (1) which, with or without a web server, accomplishes the dispatch of purchase-specific data (2);

at least one computer system (3) with access to user-specific data (5) deposited by a user, which is suitable for receiving the purchase-specific data (2) sent by the at least one online shop (1);

characterized in that

a query (4) of user-specific data (5) stored in at least one computer system (3) is carried out; and

the user-specific data (5) requested by the query (4) are returned to at least one computer system (3) (6);

the dispatched purchase-specific data (2) of the at least one online shop (1) are processed with the queried user-specific data (5) returned to the at least one computer system (3) and based on the result of the processing a feedback (7) to the at least one online shop (1) is issued.

Payment system based on a computer-implemented method according to claim 1, characterized in that the user-specific data queried with the query (4) is age-specific data.

Payment system based on a computer-implemented method according to claim 1 or 2, characterized in that user-specific data is also sent when shipping purchase-specific data (2).

Payment system based on a computer-implemented method according to one of the preceding claims, characterized in that the purchase-specific data (2) is relevant for a payment transaction data, as well as a possible minimum age.

Payment system based on a computer-implemented method according to one of the preceding claims, characterized in that the at least one computer system (3) is at least one web server.

6. Payment system based on a computer-implemented method according to one of the preceding claims, characterized in that the query (4) is a database query.

7. payment system based on a computer-implemented method according to any one of the preceding claims, characterized in that the user-specific data (5) are queried from at least one database server.

8. Payment system based on a computer-implemented method according to one of the preceding claims, characterized in that the payment system is realized using an open or closed network and / or the Internet.

9. Payment system based on a computer-implemented method according to any one of the preceding claims, characterized in that the data reception and / or sending the data in a secure Internet environment, such as Hypertext Transfer Protocol Secure (HTTPS) is realized.

10. Payment system based on a computer-implemented method according to one of the preceding claims, characterized in that the at least one online shop (1) and the at least one computer system (3) in a secure Internet environment, such as Hypertext Transfer Protocol Secure (HTTPS), are realized.

11. Payment system based on a computer-implemented method according to any one of the preceding claims, characterized in that the method is a controllable algorithm for the purpose of true manual management of deposits, or inventory management of monetary units.

12. Payment system based on a computer-implemented method according to any one of the preceding claims, characterized in that apply as monetary units Giralgeld, credit card payments, cash deposits or other monetary means.

13. Payment system based on a computer-implemented method according to one of the preceding claims 2 to 12, characterized in that the means of user-specific data (5) registered users of the computer system (3) in addition to age-specific data further activation criteria within his user account on the at least one computer system (3) can adjust.

14. Payment system based on a computer-implemented method according to claim 13, characterized in that it is an activation criterion to the number of allowed business transactions per hour day week / month year

15. Payment system based on a computer-implemented method according to claim 14, characterized in that it is an activation criterion to the monetary amount per hour day / week / month year.

16. Payment system based on a computer-implemented method according to claim 15, characterized in that an activation criterion is a clearly defined use.

17. Payment system based on a computer-implemented method according to claim 13 to 16, characterized in that the activation criterion of a combination of

Number of permitted business transactions, the monetary amount and clearly defined uses per hour / day / week / month may exist.

18. Payment system based on a computer-implemented method according to one of the preceding claims, characterized in that the activation criterion is a health-relevant and / or socially relevant and / or business-relevant criterion.

19. Payment system based on a computer-implemented method according to one of the preceding claims, characterized in that in at least one

Computer system (3) a conversion of real monetary units into virtual monetary units automatically takes place.

20. Payment system based on a computer-implemented method according to one of the preceding claims, characterized in that in at least one

Computer system (3) a conversion of real monetary units into virtual monetary units manually, authorized by the user, takes place.

21. Payment system based on a computer-implemented method according to claim 18 or 19, characterized in that the monetary units can be assigned by coding to one or more receivers.

22. Payment system based on a computer-implemented method according to one of the preceding claims, characterized in that the real or virtual monetary Units are used and / or stored as real or virtual storage volumes on mobile and / or stationary devices of a recipient.

Payment system based on a computer-implemented method according to any one of the preceding claims, characterized in that the payment system can be obtained as software from a closed network and / or the Internet.

Payment system based on a computer implemented method according to any one of the preceding claims, characterized in that the payment system on mobile phones, smart phones, tablets, clients and / or stationary PC devices is usable.