WO2021164936A1 - Method for protecting data in payment transactions - Google Patents

Method for protecting data in payment transactions Download PDF

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Publication number
WO2021164936A1
WO2021164936A1 PCT/EP2021/025048 EP2021025048W WO2021164936A1 WO 2021164936 A1 WO2021164936 A1 WO 2021164936A1 EP 2021025048 W EP2021025048 W EP 2021025048W WO 2021164936 A1 WO2021164936 A1 WO 2021164936A1
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WO
WIPO (PCT)
Prior art keywords
transport
service provider
service
trust center
fee
Prior art date
Application number
PCT/EP2021/025048
Other languages
German (de)
French (fr)
Inventor
Caroline Grosser
Original Assignee
Giesecke+Devrient Mobile Security Gmbh
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Publication date
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Publication of WO2021164936A1 publication Critical patent/WO2021164936A1/en

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Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07B—TICKET-ISSUING APPARATUS; FARE-REGISTERING APPARATUS; FRANKING APPARATUS
    • G07B15/00—Arrangements or apparatus for collecting fares, tolls or entrance fees at one or more control points
    • G07B15/06—Arrangements for road pricing or congestion charging of vehicles or vehicle users, e.g. automatic toll systems
    • G07B15/063—Arrangements for road pricing or congestion charging of vehicles or vehicle users, e.g. automatic toll systems using wireless information transmission between the vehicle and a fixed station
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/085—Payment architectures involving remote charge determination or related payment systems
    • G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems
    • G06Q20/127—Shopping or accessing services according to a time-limitation
    • 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
    • G06Q20/145—Payments according to the detected use or quantity
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07B—TICKET-ISSUING APPARATUS; FARE-REGISTERING APPARATUS; FRANKING APPARATUS
    • G07B15/00—Arrangements or apparatus for collecting fares, tolls or entrance fees at one or more control points
    • G07B15/02—Arrangements or apparatus for collecting fares, tolls or entrance fees at one or more control points taking into account a variable factor such as distance or time, e.g. for passenger transport, parking systems or car rental systems

Definitions

  • the present invention describes a method for protecting data during payment processes in connection with means of transport.
  • Means of transport are known from the prior art, e.g. a car, which have a secure element, e.g. a UICC, eUICC, iUICC, in order to secure a data connection via a cellular network with the manufacturer of the car.
  • a secure element e.g. a UICC, eUICC, iUICC
  • an integrated payment function is implemented, with the aid of which the car can, for example, carry out an automatic payment process.
  • This payment function can be used, for example, for location-based services, such as billing parking fees or tolls.
  • the disadvantage of the prior art is that billing small fees is very complex and the costs for processing are often higher than the actual fee to be billed.
  • some personal data e.g. a car driver who pays a parking fee, is passed on to a service provider, e.g. an operator of a parking garage, in connection with the processing of the payment, which should be avoided.
  • a method for secure payment for at least one means of transport which comprises the following steps:
  • a trust center which is connected to the means of transport via a data connection in order to exchange data
  • At least one service provider who is connected to the trust center via a data connection in order to exchange data, the service provider offering a service for a fee at at least one location,
  • the trust center compares the local position of the means of transport with at least one local position of at least one service provider in order to recognize whether the means of transport is at a location of the service provider where the service provider offers a service for a fee, the trust center being informed by the means of transport about the service provider's service being used,
  • the trust center calculates a fee for the service used and sends the fee to the means of transport, the fee being paid to the trust center
  • the service provider does not receive any data from the trust center as to which means of transport or which user of the means of transport has used the service provider's service.
  • the trust center is a trustworthy entity which, according to the invention, exchanges data with at least one means of transport and at least one service provider.
  • a trust center is, for example, a vehicle manufacturer that maintains a data connection with the vehicles that it produces.
  • the data exchange is carried out e.g. via a cellular network, e.g. according to the 5G standard.
  • the means of transport is e.g. a car, truck, motorcycle, etc.
  • the service provider is e.g. an operator of parking lots, a car wash, a toll route, a gas station, a fast food restaurant, etc.
  • Means of transport such as cars, trucks, motorcycles, etc., now have a secure element, such as a UICC, eUICC or iUICC, which is used for a secure data connection via a cellular network to the trust center.
  • a secure element such as a UICC, eUICC or iUICC, which is used for a secure data connection via a cellular network to the trust center.
  • Each means of transport transmits its current position to the trust center, so that the trust center is always informed about the current location of the means of transport with which it is connected.
  • Each service provider must first register with the trust center before the service provider receives the fee paid for a service offered to a road user and used by him.
  • the service provider sends e.g. his name, address, bank details, at least one service offered with a fee and at least one location, e.g. a branch or branch of the service provider where the service provider offers a service, to the Trust center.
  • the trust center checks the information provided by the service provider for plausibility, depending on the place and time.
  • the trust center can also check further factors at a later point in time, such as querying sensor data for the means of transport when providing a service, comparing data from other road users who have already used a service from the same service provider , Etc.
  • the means of transport determines its position using, for example, a global positioning system, e.g. GPS, or by using position data of a current cellular cell in which the means of transport is located.
  • a global positioning system e.g. GPS
  • the trust center By comparing the position data sent by the means of transport with the data of the service provider, the trust center recognizes where a service, e.g. petrol or a car wash, is offered when a means of transport has arrived at the location of a service provider, e.g. a petrol station.
  • the means of transport sends information to the trust center when a service is used.
  • the means of transport can record the use of a service, e.g. filling up with gasoline, e.g. by automatically querying the sensors of its tank or by manual input by a user of the means of transport, e.g. the driver.
  • the trust center is advantageously informed by the means of transport, e.g. how many liters of fuel and what type of fuel and whether other products or services, e.g. newspapers, have been purchased.
  • the trust center determines via the position data that the means of transport has left the location of the service provider where a service was provided and used, the trust center creates an invoice and sends it to the means of transport.
  • the bill is paid automatically by the means of transport or e.g. by the user, e.g. the driver, so that the trust center receives the money.
  • the trust center sends the money to the authorized service provider who provided the relevant service.
  • the service provider advantageously receives a list of the time, place and type of the service provided and paid for from the trust center so that it can be assigned in his bookkeeping.
  • the advantage of the invention is that the service provider does not receive any information about the means of transport or its user, for example its driver, from the trust center.
  • Another advantage of the invention is that the trust center has an overview of all means of transport on the one hand and has all the services offered and used on the other hand and can therefore easily check with regard to abnormalities and irregularities whether, for example, there is fraud involving very small amounts.
  • An advantageous embodiment of the invention is that the trust center the
  • Service provider informs when the means of transport has arrived at the location of the service provider as well as when the means of transport has left the location again. This enables the service provider to log himself where and when a means of transport was at one of his branches or branches.
  • FIG. 1 describes the principle of the invention.
  • a trust center 2 for example a vehicle manufacturer, receives data from a means of transport 4, for example a car that the vehicle manufacturer has produced itself, via a data connection 8.
  • the trust center 2 sends data via a data connection 10 to a data provider 6 an operator of gas stations, toll roads, car washes, fast food chains, etc.
  • a data provider 6 an operator of gas stations, toll roads, car washes, fast food chains, etc.
  • FIG. 1 describes the principle of the invention.
  • a trust center 2 receives data from a means of transport 4, for example a car that the vehicle manufacturer has produced itself, via a data connection 8.
  • the trust center 2 sends data via a data connection 10 to a data provider 6 an operator of gas stations, toll roads, car washes, fast food chains, etc.
  • FIG. 1 describes the principle of the invention.
  • a trust center 2 receives data from a means of transport 4, for example a car that the vehicle manufacturer has produced itself, via
  • the means of transport 4 sends its position to the trust center 2.
  • the service provider 6 has transferred his data to the trust center 2 when he first logged on to the trust center 2, such as name, address, locations of the service provider where a service is offered for a fee, a price list for the services, etc.
  • the trust center 2 compares the Position of the means of transport 4 always with the locations of the service provider 6 where the service provider is offering a service, in order to identify whether the Means of transport 4 is located at a location where the service provider 6 offers a service for a fee.
  • the trust center 2 informs the service provider 6 that a means of transport 6 is at one of its locations, for example a branch of the service provider 6, but without to transmit an identity of the means of transport 4 or of a user, for example the driver, of the means of transport to the service provider 6. If a service of the service provider 6 is used by the means of transport 4, for example the means of transport 4 is refueled in a petrol station of the service provider 6, the means of transport 4 informs the trust center 2 accordingly.
  • the means of transport 4 transmits, for example, the type of fuel, for example gasoline, and the quantity taken, so that the trust center 2 can create an invoice and send this invoice to the means of transport 4.
  • the bill is either paid automatically by the means of transport 4 or transmitted to the user of the means of transport 4, e.g. the driver, so that the latter pays the bill.
  • the trust center 2 then receives the money again, which forwards it to the service provider 6 accordingly.
  • the service provider 6 does not receive any information for the identity about the means of transport 4 or its users from the trust center 2.
  • the service provider 6 receives at most enough information that he was able to assign each amount of money received from the trust center 2 to an invoice in his accounting, e.g. the place where the service was provided, e.g. at which petrol station and pump was filled up, which service was used, e.g. Type and quantity of fuel and if the service was provided, e.g. date and time.
  • the above description is only to be understood as an example of a possible application of the invention. On reading the disclosure of the present invention, those skilled in the art will recognize further possible applications which are within the scope of the invention.

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Computer Security & Cryptography (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Traffic Control Systems (AREA)
  • Devices For Checking Fares Or Tickets At Control Points (AREA)

Abstract

The present invention discloses a method for securely paying for at least one means of transport (4) comprising - a trust centre (2), which is connected to the means of transport (4) via a data link in order to exchange data, - at least one service provider (6), which is connected to the trust centre (2) via a data link in order to exchange data, the service provider (6) offering a fee-incurring service at least at one location, and the means of transport (4) transmitting its physical position to the trust centre (2), - wherein the trust centre (2) compares the physical position of the means of transport (4) with at least one physical position of at least one service provider (6) in order to identify whether the means of transport (4) is located at a location of the service provider (6) where the service provider (6) offers a fee-incurring service, - wherein the trust centre (2) is informed by the means of transport (4) of the utilised service of the service provider (6), - wherein the trust centre (2) calculates a fee for the utilised service and sends the fee to the means of transport (4), the fee being paid to the trust centre (2), - wherein the trust centre (2) forwards the paid fee to the service provider (6), - wherein the service provider (6) does not receive any data from the trust centre (2) as to what means of transport (4) or what user of the means of transport (4) has utilised the service offered by the service provider (6).

Description

Verfahren zum Schutz von Daten bei Bezahlvorgängen Procedure for protecting data during payment transactions
Die vorliegende Erfindung beschreibt ein Verfahren zum Schutz von Daten bei Bezahl Vorgängen im Zusammenhang mit Verkehrsmitteln. The present invention describes a method for protecting data during payment processes in connection with means of transport.
Aus dem Stand der Technik sind Verkehrsmittel bekannt, z.B. ein Auto, welche über ein sicheres Element verfugen, z.B. ein UICC, eUICC, iUICC, um eine Datenverbindung über ein Mobilfunknetz mit dem Hersteller des Autos abzusichem. Mittels dieses sicheren Elements wird unter anderem eine integrierte Bezahlfunktion realisiert, mit Hilfe dessen das Auto beispielsweise einen automatischen Bezahlvorgang ausführen kann. Diese Bezahlfunktion kann z.B. eingesetzt werden bei ortsbasierten Diensten, wie z.B. bei der Abrechnung von Parkplatzgebühren oder Mautgebühren. Means of transport are known from the prior art, e.g. a car, which have a secure element, e.g. a UICC, eUICC, iUICC, in order to secure a data connection via a cellular network with the manufacturer of the car. By means of this secure element, among other things, an integrated payment function is implemented, with the aid of which the car can, for example, carry out an automatic payment process. This payment function can be used, for example, for location-based services, such as billing parking fees or tolls.
Nachteilig am Stand der Technik ist, dass eine Abrechnung von kleinen Gebühren sehr aufwändig ist und die Kosten für die Verarbeitung oft höher sind, als die eigentliche abzurechnende Gebühr. Darüber hinaus werden teilweise personenbezogene Daten, z.B. eines Autofahrers, welcher eine Parkgebühr bezahlt, an einen Dienstanbieter, z.B. einen Betreiber eines Parkhauses, im Zusammenhang mit der Abwicklung der Zahlung weitergegeben, was vermieden werden soll. The disadvantage of the prior art is that billing small fees is very complex and the costs for processing are often higher than the actual fee to be billed. In addition, some personal data, e.g. a car driver who pays a parking fee, is passed on to a service provider, e.g. an operator of a parking garage, in connection with the processing of the payment, which should be avoided.
Ausgehend von den Problemen des Stands der Technik bietet die vorliegende Erfindung eine Lösung für die Probleme an. Die Lösung ist in Anspruch 1 beschrieben. Vorteilhafte Ausführungsbeispiele sind in den abhängigen Ansprüchen beschrieben. Based on the problems of the prior art, the present invention offers a solution to the problems. The solution is described in claim 1. Advantageous exemplary embodiments are described in the dependent claims.
Zur Lösung des Problems wird ein Verfahren zum sicheren Bezahlen für mindestens ein Verkehrsmittel offenbart, welches die folgenden Schritte umfasst: To solve the problem, a method for secure payment for at least one means of transport is disclosed, which comprises the following steps:
- ein Trustcenter, welches mit dem Verkehrsmittel über eine Datenverbindung verbunden ist, um Daten auszutauschen, - a trust center, which is connected to the means of transport via a data connection in order to exchange data,
- mindestens einen Dienstanbieter, welcher mit dem Trustcenter über eine Datenverbindung verbunden ist, um Daten auszutauschen, wobei der Dienstanbieter an mindestens einem Ort eine Leistung gegen Gebühr anbietet,- At least one service provider who is connected to the trust center via a data connection in order to exchange data, the service provider offering a service for a fee at at least one location,
- wobei das Verkehrsmittel an das Trustcenter seine örtliche Position überträgt,- whereby the means of transport transmits its local position to the trust center,
- wobei das Trustcenter die örtliche Position des Verkehrsmittels vergleicht mit mindestens einer örtlichen Position mindestens eines Dienstanbieters, um zu erkennen, ob sich das Verkehrsmittel an einem Ort des Dienstanbieters befindet, wo der Dienstanbieter eine Leistung gegen Gebühr anbietet, wobei das Trustcenter von dem Verkehrsmittel über die in Anspruch genommene Leistung des Dienstanbieters informiert wird, - The trust center compares the local position of the means of transport with at least one local position of at least one service provider in order to recognize whether the means of transport is at a location of the service provider where the service provider offers a service for a fee, the trust center being informed by the means of transport about the service provider's service being used,
- wobei das Trustcenter für die in Anspruch genommene Leistung eine Gebühr berechnet und die Gebühr an das Verkehrsmittel sendet, wobei die Gebühr an das Trustcenter bezahlt wird, - wherein the trust center calculates a fee for the service used and sends the fee to the means of transport, the fee being paid to the trust center,
- wobei das Trustcenter die bezahlte Gebühr an den Dienstanbieter weiterleitet,- whereby the trust center forwards the paid fee to the service provider,
- wobei der Dienstanbieter keine Daten vom Trustcenter erhält, welches Verkehrsmittel oder welcher Nutzer des Verkehrsmittels die Leistung des Dienstanbieters in Anspruch genommen hat. - The service provider does not receive any data from the trust center as to which means of transport or which user of the means of transport has used the service provider's service.
Beim Trustcenter handelt es sich um eine vertrauenswürdige Instanz, welche erfindungsgemäß Daten mit mindestens einem Verkehrsmittel und mindestens einem Dienstleister austauscht. Ein Trustcenter ist z.B. ein Fahrzeughersteller, welcher mit den selbst hergestellten Fahrzeugen eine Datenverbindung unterhält. Der Datenaustausch wird z.B. über ein Mobilfunknetz, z.B. gemäß dem 5G-Standard, abgewickelt. Das Verkehrsmittel ist z.B. ein Auto, Lastkraftwagen, Motorrad, etc. Der Dienstanbieter ist z.B. ein Betreiber von Parkplätzen, einer Waschanlage, einer Mautstrecke, einer Tankstelle, eines Fastfood- Restaurants, etc. The trust center is a trustworthy entity which, according to the invention, exchanges data with at least one means of transport and at least one service provider. A trust center is, for example, a vehicle manufacturer that maintains a data connection with the vehicles that it produces. The data exchange is carried out e.g. via a cellular network, e.g. according to the 5G standard. The means of transport is e.g. a car, truck, motorcycle, etc. The service provider is e.g. an operator of parking lots, a car wash, a toll route, a gas station, a fast food restaurant, etc.
Verkehrsmittel, wie z.B. Autos, Lastkraftwagen, Motorräder, etc., verfugen heutzutage über ein sicheres Element, wie z.B. eine UICC, eUICC oder iUICC, welche für eine sichere Datenverbindung über ein Mobilfunknetz zum Trustcenter verwendet wird. Jedes Verkehrsmittel überträgt seine aktuelle Position an das Trustcenter, sodass das Trustcenter immer über den aktuellen Ort der mit ihm in Datenverbindung stehenden Verkehrsmittel informiert ist. Means of transport, such as cars, trucks, motorcycles, etc., now have a secure element, such as a UICC, eUICC or iUICC, which is used for a secure data connection via a cellular network to the trust center. Each means of transport transmits its current position to the trust center, so that the trust center is always informed about the current location of the means of transport with which it is connected.
Jeder Dienstleister muss sich zuerst beim Trustcenter anmelden, bevor der Dienstleister für eine einem Verkehrsteilnehmer angebotene und von ihm in Anspruch genommene Leistung die bezahlte Gebühr erhält. Bei der erstmaligen Anmeldung des Dienstanbieters beim Trustcenter sendet der Dienstanbieter z.B. seinen Namen, Adresse, Bankverbindung, mindestens eine angebotene Leistung mit Gebühr und mindestens einen Ort, z.B. eine Filiale oder Niederlassung des Dienstanbieters, wo der Dienstanbieter eine Leistung anbietet, an das Trustcenter. Das Trustcenter prüft die Angaben des Dienstleisters in Abhängigkeit von Ort und Zeit auf Plausibilität der Angaben. Das Trustcenter kann nach der erstmaligen Anmeldung des Dienstanbieters zu einem späteren Zeitpunkt ferner weitere Faktoren prüfen, wie z.B. eine Abfrage von Sensordaten des Verkehrsmittels bei der Erbringung einer Leistung, ein Vergleich von Daten von anderen Verkehrsteilnehmern, welche eine Leistung desselben Dienstleisters bereits in Anspruch genommen haben, etc. Each service provider must first register with the trust center before the service provider receives the fee paid for a service offered to a road user and used by him. When the service provider first registers with the trust center, the service provider sends e.g. his name, address, bank details, at least one service offered with a fee and at least one location, e.g. a branch or branch of the service provider where the service provider offers a service, to the Trust center. The trust center checks the information provided by the service provider for plausibility, depending on the place and time. After the service provider has registered for the first time, the trust center can also check further factors at a later point in time, such as querying sensor data for the means of transport when providing a service, comparing data from other road users who have already used a service from the same service provider , Etc.
Das Verkehrsmittel bestimmt seine Position unter Verwendung z.B. eines globalen Positionierungssystems, z.B. GPS, oder durch Verwendung von Positionsdaten einer aktuellen Mobilfunkzelle, in welcher sich das Verkehrsmittel befindet. The means of transport determines its position using, for example, a global positioning system, e.g. GPS, or by using position data of a current cellular cell in which the means of transport is located.
Das Trustcenter erkennt aus dem Vergleich der vom Verkehrsmittel gesendeten Positionsdaten mit den Daten des Dienstleisters, wo eine Leistung, z.B. Benzin oder eine Autowäsche, angeboten wird, wenn ein Verkehrsmittel am Ort eines Dienstleisters, z.B. einer Tankstelle, angekommen ist. Das Verkehrsmittel sendet dem Trustcenter eine Information, wenn eine Leistung in Anspruch genommen wird. Das Verkehrsmittel kann die Inanspruchnahme einer Leistung, z.B. tanken von Benzin, durch z.B. eine automatische Abfrage von Sensoren seines Tanks oder durch eine manuelle Eingabe durch eines Nutzers des Verkehrsmittels, z.B. der Fahrer, erfassen. Dem Trustcenter wird vorteilhafterweise vom Verkehrsmittel mitgeteilt, z.B. wie viele Liter Treibstoff und welche Art von Treibstoff und ob noch weitere Produkte oder Leistungen, z.B. Zeitungen, erworben wurden. By comparing the position data sent by the means of transport with the data of the service provider, the trust center recognizes where a service, e.g. petrol or a car wash, is offered when a means of transport has arrived at the location of a service provider, e.g. a petrol station. The means of transport sends information to the trust center when a service is used. The means of transport can record the use of a service, e.g. filling up with gasoline, e.g. by automatically querying the sensors of its tank or by manual input by a user of the means of transport, e.g. the driver. The trust center is advantageously informed by the means of transport, e.g. how many liters of fuel and what type of fuel and whether other products or services, e.g. newspapers, have been purchased.
Sobald das Trustcenter über die Positionsdaten feststellt, dass das Verkehrsmittel den Ort des Dienstleisters verlassen hat, wo eine Leistung erbracht und in Anspruch genommen wurde, erstellt das Trustcenter eine Rechnung und sendet diese an das Verkehrsmittel. Die Rechnung wird vom Verkehrsmittel automatisch oder z.B. von dem Nutzer, z.B. dem Fahrer bezahlt, sodass das Trustcenter das Geld erhält. Das Trustcenter sendet das Geld an den berechtigten Dienstleister, welcher die entsprechende Leistung erbracht hat. Der Dienstleister erhält vorteilhafterweise vom Trustcenter eine Auflistung von Zeit, Ort und Art der erbrachten und bezahlten Leistung, um sie in seiner Buchhaltung zuordnen zu können. As soon as the trust center determines via the position data that the means of transport has left the location of the service provider where a service was provided and used, the trust center creates an invoice and sends it to the means of transport. The bill is paid automatically by the means of transport or e.g. by the user, e.g. the driver, so that the trust center receives the money. The trust center sends the money to the authorized service provider who provided the relevant service. The service provider advantageously receives a list of the time, place and type of the service provided and paid for from the trust center so that it can be assigned in his bookkeeping.
Der Vorteil der Erfindung ist, dass der Dienstleister vom Trustcenter keine Angabe zu dem Verkehrsmittel oder dessen Nutzer, z.B. dessen Fahrer, erhält. Ein weiterer Vorteil der Erfindung ist, dass das Trustcenter einen Überblick über alle Verkehrsmittel einerseits und alle angebotenen und in Anspruch genommenen Leistungen andererseits hat und somit einfach hinsichtlich Auffälligkeiten und Unregelmäßigkeiten überprüfen kann, ob z.B. ein Betrug mit Kleinstbeträgen vorliegt. Ein vorteilhaftes Ausfuhrungsbeispiel der Erfindung ist, dass das Trustcenter denThe advantage of the invention is that the service provider does not receive any information about the means of transport or its user, for example its driver, from the trust center. Another advantage of the invention is that the trust center has an overview of all means of transport on the one hand and has all the services offered and used on the other hand and can therefore easily check with regard to abnormalities and irregularities whether, for example, there is fraud involving very small amounts. An advantageous embodiment of the invention is that the trust center the
Dienstanbieter informiert, wenn das Verkehrsmittel am Ort des Dienstanbieters angekommen ist als auch wenn das Verkehrsmittel den Ort wieder verlassen hat. Dies ermöglicht es dem Dienstanbieter selbst mit zu protokolieren wo und wann sich ein Verkehrsmittel an einer seiner Filialen oder Niederlassungen befunden hat. Service provider informs when the means of transport has arrived at the location of the service provider as well as when the means of transport has left the location again. This enables the service provider to log himself where and when a means of transport was at one of his branches or branches.
Im Folgenden wird ein mögliches Ausfuhrungsbeispiel beschrieben, welches den Einsatz und die Realisierung beispielhaft offenbart. A possible exemplary embodiment is described below, which discloses the use and implementation by way of example.
Figur 1 beschreibt das Prinzip der Erfindung. Ein Trustcenter 2, z.B. ein Fahrzeughersteller, empfängt von einem Verkehrsmittel 4, z.B. ein Auto, welches der Fahrzeughersteller selbst produziert hat, Daten über eine Datenverbindung 8. Das Trustcenter 2 sendet Daten über eine Datenverbindung 10 an einen Datenanbieter 6. Ein Dienstanbieter 6 ist z.B. ein Betreiber von Tankstellen, Mautstrecken, Autowaschanlagen, Fastfood-Kette, etc. Zum Zwecke der Erklärung werden in Figur 1 nur ein Verkehrsmittel 4 und ein Dienstanbieter 6 dargestellt. Bei einem konkreten Ausfuhrungsbeispiel können mehrere Verkehrsmittel 4 über jeweils eine eigene Datenverbindung 8 ihre Daten an das Trustcenter 2 senden. Ferner ist es in einem konkreten Ausführungsbeispiel möglich, dass mehrere Dienstanbieter 6 von dem Trustcenter Daten über jeweils eine eigene Datenverbindung 10 empfangen. Das Verkehrsmittel 4 bestimmt selbst seine Position. Dies kann z.B. mittels Verwendung eines globalen Positionierungssystem, z.B. GPS, oder eines Mobilfunksystems geschehen.Figure 1 describes the principle of the invention. A trust center 2, for example a vehicle manufacturer, receives data from a means of transport 4, for example a car that the vehicle manufacturer has produced itself, via a data connection 8. The trust center 2 sends data via a data connection 10 to a data provider 6 an operator of gas stations, toll roads, car washes, fast food chains, etc. For the purpose of explanation, only one means of transport 4 and one service provider 6 are shown in FIG. In a specific exemplary embodiment, several means of transport 4 can each send their data to the trust center 2 via their own data connection 8. Furthermore, in a specific exemplary embodiment, it is possible for several service providers 6 to receive data from the trust center each via their own data connection 10. The means of transport 4 itself determines its position. This can be done, for example, by using a global positioning system, e.g. GPS, or a mobile radio system.
Das Verkehrsmittel 4 sendet seine Position an das Trustcenter 2. The means of transport 4 sends its position to the trust center 2.
Der Dienstanbieter 6 hat bei seiner erstmaligen Anmeldung am Trustcenter 2 seine Daten an das Trustcenter 2 übertragen, wie z.B. Name, Adresse, Orte des Dienstleister, wo eine Leistung gegen Gebühr angeboten wird, eine Preisliste für die Leistungen, etc. Das Trustcenter 2 vergleicht die Position des Verkehrsmittels 4 stets mit den Orten des Dienstanbieters 6, wo dieser eine Leistung anbietet, um zu erkennen, ob sich das Verkehrsmittel 4 an einem Ort befindet, wo der Dienstleister 6 eine Leistung gegen Gebühr anbietet. The service provider 6 has transferred his data to the trust center 2 when he first logged on to the trust center 2, such as name, address, locations of the service provider where a service is offered for a fee, a price list for the services, etc. The trust center 2 compares the Position of the means of transport 4 always with the locations of the service provider 6 where the service provider is offering a service, in order to identify whether the Means of transport 4 is located at a location where the service provider 6 offers a service for a fee.
Sobald das Verkehrsmittel 4 sich an einem Ort des Dienstleisters 6 befindet, wo dieser eine Leistung gegen Gebühr anbietet, informiert das Trustcenter 2 den Dienstanbieter 6 darüber, dass ein Verkehrsmittel 6 sich an einem seiner Orte, z.B. eine Filiale des Dienstanbieters 6 befindet, ohne aber eine Identität des Verkehrsmittels 4 oder eines Nutzers, z.B. Fahrer, des Verkehrsmittels, an den Dienstanbieter 6 zu übertragen. Wenn von dem Verkehrsmittel 4 eine Leistung des Dienstanbieters 6 in Anspruch genommen wird, z.B. das Verkehrsmittel 4 wird in einer Tankstelle des Dienstanbieters 6 getankt, dann informiert das Verkehrsmittel 4 das Trustcenter 2 entsprechend. Dabei überträgt das Verkehrsmittel 4 beispielsweise die Art des Kraftstoffs, z.B. Benzin, und die abgenommene Menge, sodass das Trustcenter 2 eine Rechnung erstellen kann und diese Rechnung an das Verkehrsmittel 4 sendet.
Figure imgf000007_0001
As soon as the means of transport 4 is at a location of the service provider 6, where the latter offers a service for a fee, the trust center 2 informs the service provider 6 that a means of transport 6 is at one of its locations, for example a branch of the service provider 6, but without to transmit an identity of the means of transport 4 or of a user, for example the driver, of the means of transport to the service provider 6. If a service of the service provider 6 is used by the means of transport 4, for example the means of transport 4 is refueled in a petrol station of the service provider 6, the means of transport 4 informs the trust center 2 accordingly. The means of transport 4 transmits, for example, the type of fuel, for example gasoline, and the quantity taken, so that the trust center 2 can create an invoice and send this invoice to the means of transport 4.
Figure imgf000007_0001
Die Rechnung wird vom Verkehrsmittel 4 entweder automatisch bezahlt oder an den Nutzer des Verkehrsmittels 4, z.B. den Fahrer, übertragen, sodass dieser die Rechnung bezahlt. Das Geld erhält dann wieder das Trustcenter 2, welche es entsprechend an den Dienstanbieter 6 weiterleitet. The bill is either paid automatically by the means of transport 4 or transmitted to the user of the means of transport 4, e.g. the driver, so that the latter pays the bill. The trust center 2 then receives the money again, which forwards it to the service provider 6 accordingly.
Wesentlich für die Erfindung ist, dass der Dienstanbieter 6 keine Informationen für die Identität über das Verkehrsmittel 4 oder dessen Nutzer vom Trustcenter 2 erhält. Der Dienstanbieter 6 erhält höchstens so viele Informationen, dass er jeden vom Trustcenter 2 erhaltenen Geldbetrag in seiner Buchhaltung auch einer Rechnung zuordnen kam, z.B. Ort der Erbringung der Leistung, z.B. an welcher Tankstelle und Zapfsäule wurde getankt, welche Leistung wurde in Anspruch genommen, z.B. Art und Menge des Kraftstoffs, und warn wurde die Leistung erbracht, z.B. Datum und Uhrzeit. Die obige Beschreibung ist nur als Beispiel für eine mögliche Anwendung der Erfindung zu verstehen. Der Fachmann wird beim Lesen der Offenbarung der vorliegenden Erfindung weitere Anwendungsmöglichkeiten erkennen, welche im Bereich der Erfindung liegen. It is essential for the invention that the service provider 6 does not receive any information for the identity about the means of transport 4 or its users from the trust center 2. The service provider 6 receives at most enough information that he was able to assign each amount of money received from the trust center 2 to an invoice in his accounting, e.g. the place where the service was provided, e.g. at which petrol station and pump was filled up, which service was used, e.g. Type and quantity of fuel and if the service was provided, e.g. date and time. The above description is only to be understood as an example of a possible application of the invention. On reading the disclosure of the present invention, those skilled in the art will recognize further possible applications which are within the scope of the invention.

Claims

Ansprüche Expectations
1. Verfahren zum sicheren Bezahlen für mindestens ein Verkehrsmittel (4) umfassend1. A method for secure payment for at least one means of transport (4) comprising
- ein Trustcenter (2), welches mit dem Verkehrsmittel (4) über eine Datenverbindung verbunden ist, um Daten auszutauschen, - a trust center (2) which is connected to the means of transport (4) via a data connection in order to exchange data,
- mindestens einen Dienstanbieter (6), welcher mit dem Trustcenter (2) über eine Datenverbindung verbunden ist, um Daten auszutauschen, wobei der Dienstanbieter (6) an mindestens einem Ort eine Leistung gegen Gebühr anbietet,- At least one service provider (6), which is connected to the trust center (2) via a data connection in order to exchange data, the service provider (6) offering a service for a fee at at least one location,
- wobei das Verkehrsmittel (4) an das Trustcenter (2) seine örtliche Position überträgt, - the means of transport (4) transmitting its local position to the trust center (2),
- wobei das Trustcenter (2) die örtliche Position des Verkehrsmittels (4) vergleicht mit mindestens einer örtlichen Position mindestens eines Dienstanbieters (6), um zu erkennen, ob sich das Verkehrsmittel (4) an einem Ort des Dienstanbieters (6) befindet, wo der Dienstanbieter (6) eine Leistung gegen Gebühr anbietet,- wherein the trust center (2) compares the local position of the means of transport (4) with at least one local position of at least one service provider (6) in order to recognize whether the means of transport (4) is at a location of the service provider (6), where the service provider (6) offers a service for a fee,
- wobei das Trustcenter (2) von dem Verkehrsmittel (4) über die in Anspruch genommene Leistung des Dienstanbieters (6) informiert wird, - wherein the trust center (2) is informed by the means of transport (4) about the service provider (6) used,
- wobei das Trustcenter (2) für die in Anspruch genommene Leistung eine Gebühr berechnet und die Gebühr an das Verkehrsmittel (4) sendet, wobei die Gebühr an das Trustcenter (2) bezahlt wird, - wherein the trust center (2) calculates a fee for the service used and sends the fee to the means of transport (4), the fee being paid to the trust center (2),
- wobei das Trustcenter (2) die bezahlte Gebühr an den Dienstanbieter (6) weiterleitet, - The trust center (2) forwards the fee paid to the service provider (6),
- wobei der Dienstanbieter (6) keine Daten vom Trustcenter (2) erhält, welches Verkehrsmittel (4) oder welcher Nutzer des Verkehrsmittels (4) die Leistung des Dienstanbieters (6) in Anspruch genommen hat. - wherein the service provider (6) does not receive any data from the trust center (2) as to which means of transport (4) or which user of the means of transport (4) has used the services of the service provider (6).
2. Verfahren nach Anspruch 1, dadurch gekennzeichnet, dass das Trustcenter (2) den Dienstanbieter (6) informiert, wenn das Verkehrsmittel (4) am Ort des Dienstanbieters (6) angekommen ist als auch wenn das Verkehrsmittel (4) den Ort wieder verlassen hat. 2. The method according to claim 1, characterized in that the trust center (2) informs the service provider (6) when the means of transport (4) has arrived at the location of the service provider (6) and when the means of transport (4) leave the location again Has.
3. Verfahren nach Anspruch 1 oder 2, dadurch gekennzeichnet, dass der Dienstanbieter (6) sich zuerst beim Trustcenter (2) anmeldet und erst nach erfolgter Anmeldung einem Verkehrsmittel (4) eine Leistung anbietet. 3. The method as claimed in claim 1 or 2, characterized in that the service provider (6) first logs on to the trust center (2) and only offers a service to a means of transport (4) after logging on.
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Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
DE10108888A1 (en) * 2001-02-17 2002-08-29 Manfred Rennings Parking disk for displaying the parking time of a vehicle with electronic control for displaying the remaining paid parking time
DE102007046762A1 (en) * 2007-09-28 2009-04-09 Robert Bosch Gmbh Establishment and method of road toll collection

Patent Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
DE10108888A1 (en) * 2001-02-17 2002-08-29 Manfred Rennings Parking disk for displaying the parking time of a vehicle with electronic control for displaying the remaining paid parking time
DE102007046762A1 (en) * 2007-09-28 2009-04-09 Robert Bosch Gmbh Establishment and method of road toll collection

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