YU54801A - Method of effecting cashless payments and a system for implementing the method - Google Patents

Method of effecting cashless payments and a system for implementing the method

Info

Publication number
YU54801A
YU54801A YU54801A YUP54801A YU54801A YU 54801 A YU54801 A YU 54801A YU 54801 A YU54801 A YU 54801A YU P54801 A YUP54801 A YU P54801A YU 54801 A YU54801 A YU 54801A
Authority
YU
Yugoslavia
Prior art keywords
balancing device
point
radio telephone
sale terminal
transmits
Prior art date
Application number
YU54801A
Other languages
Serbo-Croatian (sh)
Inventor
Mathias Entenmann
Original Assignee
Paybox Ag.
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Paybox Ag. filed Critical Paybox Ag.
Publication of YU54801A publication Critical patent/YU54801A/en
Publication of RS49614B publication Critical patent/RS49614B/en

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/16—Payments settled via telecommunication 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
    • G06Q20/20—Point-of-sale [POS] network 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3223—Realising banking transactions through M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3229—Use of the SIM of a M-device as secure element
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
    • G06Q20/425—Confirmation, e.g. check or permission by the legal debtor of payment using two different networks, one for transaction and one for security confirmation

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Theoretical Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Computer Security & Cryptography (AREA)
  • Mobile Radio Communication Systems (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Telephonic Communication Services (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)
  • Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)
  • Devices For Checking Fares Or Tickets At Control Points (AREA)
  • Telephone Function (AREA)
  • Cash Registers Or Receiving Machines (AREA)

Abstract

The aim of the invention is to provide a method for simple yet secure cash-free payments, notably in different places, as well as a system for carrying out said method. According to the invention, a sum of money is read in at a point-of-sale terminal and together with a terminal identifier transmitted to a balancing device where the data are stored temporarily. The payer transmits the point-of-sale terminal identifier to the balancing device via a mobile telephone. The balancing device compares the identifier with that of the stored data and transmits the corresponding sum of money to the radio telephone, where confirmation of payment is requested and transmitted to the balancing device, which then transmits a corresponding book entry to an account-keeping device. The system for carrying out said method comprises a radio telephone which is operated in a radio telephone network, a point-of-sale terminal and a balancing device which can be connected to the radio telephone and the point-of-sale terminal via telecommunications and/or data links.
YUP-548/01A 1999-02-02 2000-02-01 Method of effecting cashless payments and a system for implementing the method RS49614B (en)

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
DE19903822A DE19903822C2 (en) 1999-02-02 1999-02-02 Procedure for making cashless payments and system for performing the procedure

Publications (2)

Publication Number Publication Date
YU54801A true YU54801A (en) 2003-01-31
RS49614B RS49614B (en) 2007-08-03

Family

ID=7895963

Country Status (20)

Country Link
EP (1) EP1149367A1 (en)
JP (1) JP2002541535A (en)
KR (1) KR20010108166A (en)
CN (1) CN1204535C (en)
AU (1) AU2800400A (en)
BR (1) BR0007964A (en)
CA (1) CA2361489A1 (en)
CZ (1) CZ301247B6 (en)
DE (1) DE19903822C2 (en)
HR (1) HRP20010568B1 (en)
HU (1) HU227291B1 (en)
IL (1) IL144571A0 (en)
ME (1) ME01248B (en)
MX (1) MXPA01007779A (en)
NO (1) NO20013777L (en)
RS (1) RS49614B (en)
RU (1) RU2242795C2 (en)
TR (1) TR200102216T2 (en)
WO (1) WO2000046768A1 (en)
ZA (1) ZA200105872B (en)

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DE10039569C5 (en) * 2000-08-09 2007-04-26 Vodafone Ag Procedure for payment at any sales or service points with mobile phone
DE10040799A1 (en) * 2000-08-21 2002-04-25 Siemens Ag Procedures for secure transactions related to electronic commerce
DE10136080A1 (en) * 2000-11-21 2002-06-06 Wolfgang Zint Electronic financial transaction method for purchasing goods or services uses customer pre-payment card for transfer of payment to goods and/or service provider
DE10058249A1 (en) * 2000-11-23 2002-06-13 Anthros Gmbh & Co Kg Secure electronic transmission method for transaction data uses identification data containing singular identification characters for preventing payment duplication
EP1229467A1 (en) 2001-02-06 2002-08-07 Wincor Nixdorf GmbH & Co KG Payment system comprising a mobile device
WO2002071353A1 (en) * 2001-03-01 2002-09-12 Peter Ligezinski Device and method for cashless payment
JP2002259877A (en) * 2001-03-02 2002-09-13 Mitsubishi Electric Corp Settlement server, purchaser terminal, settlement portal server, settlement system and method, settlement portal system, settlement program, computer-readable recording medium recording settlement program, settlement request program, and computer-readable recording medium recording settlement request program
CN1529878A (en) * 2001-07-19 2004-09-15 W3��Ѷ���ż���˽�����޹�˾ Mobile electronic funds transfer system and method
DE10138814A1 (en) * 2001-08-14 2003-03-06 Orga Kartensysteme Gmbh Computer system and method for cashless payment
DE10153660A1 (en) * 2001-10-31 2003-05-15 Sandy Koch Cashless payment system using account maintained by customer containing transaction units which customer uses for payments
WO2003049364A1 (en) 2001-12-04 2003-06-12 Conceptm Company Limited System and method for facilitating electronic financial transactions using a mobile telecommunication device
US6726092B2 (en) * 2001-12-28 2004-04-27 Interdigital Technology Corporation Portable device service payments by multiple means
DE10210792B4 (en) * 2002-03-12 2004-09-23 Materna Gmbh Information & Communications Process and system for the activation of a chargeable mobile radio or online service
US8060139B2 (en) * 2002-06-24 2011-11-15 Toshiba American Research Inc. (Tari) Authenticating multiple devices simultaneously over a wireless link using a single subscriber identity module
EP1403792A1 (en) * 2002-09-26 2004-03-31 Valentino Callegari A three terminal network for off-line digital electronic payments-network
GB2393806A (en) * 2002-10-05 2004-04-07 Simos Symeou Method for confirming authorisation of access to an account
DE10310527B4 (en) * 2003-03-11 2008-11-20 Christian Hogl A method for initiating and / or performing a payment transaction
DE10331733A1 (en) * 2003-07-11 2005-01-27 Rene Lehmann Terminal e.g. for paying system in electronic transaction, has SIM which aids operation of terminal such as mobile phone with control equipment has in and output equipment to operate terminal
US8341088B2 (en) * 2004-06-30 2012-12-25 France Telecom Multipurpose electronic payment method and system
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JP4555120B2 (en) * 2005-02-23 2010-09-29 株式会社大和証券グループ本社 Server system, method and program
US7831520B2 (en) 2005-06-28 2010-11-09 Ebay Inc. Mobile device communication system
US20080126251A1 (en) * 2006-09-21 2008-05-29 Tomas Karl-Axel Wassingbo System and method for utilizing a portable network device to initiate and authorize a payment transaction
DE102006054484A1 (en) * 2006-11-18 2008-05-21 Fiducia It Ag A method for the interaction of a bank customer with an ATM, associated mobile input and / or output device and system for performing such interaction
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DE102007053638A1 (en) * 2007-11-08 2009-06-04 Deutsche Telekom Ag Money amount transferring method for account of payee, involves transmitting transfer-confirmation information from management device to phone and terminal of payee and/or for mobile terminal device of payer
SE532268C2 (en) 2007-12-04 2009-11-24 Accumulate Ab Procedure for secure transactions
GB0901407D0 (en) * 2009-01-28 2009-03-11 Validsoft Uk Ltd Card false-positive prevention
NO20101728A1 (en) * 2010-03-04 2011-09-05 Mcash Norge As Mobile payment
DE102010036037A1 (en) 2010-08-31 2012-03-01 Jürgen Schaar Method for performing cashless payment transaction in transaction system, involves examining transaction equipment identity and identifier symbol of respective mobile and merchant stations in request signal outputted to central unit
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RU2011125333A (en) * 2011-06-21 2012-12-27 Евгений Яковлевич Билюкин METHOD OF PERFORMING ELECTRONIC PAYMENT OF GOODS USING MEANS OF MOBILE COMMUNICATION
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Also Published As

Publication number Publication date
CZ301247B6 (en) 2009-12-16
CN1339146A (en) 2002-03-06
AU2800400A (en) 2000-08-25
HRP20010568A2 (en) 2002-08-31
HUP0105475A2 (en) 2002-04-29
CZ20012663A3 (en) 2002-02-13
NO20013777D0 (en) 2001-08-01
DE19903822A1 (en) 2000-08-10
HRP20010568B1 (en) 2011-10-31
BR0007964A (en) 2001-11-06
JP2002541535A (en) 2002-12-03
MXPA01007779A (en) 2003-07-14
NO20013777L (en) 2001-09-27
CA2361489A1 (en) 2000-08-10
WO2000046768A1 (en) 2000-08-10
CN1204535C (en) 2005-06-01
ZA200105872B (en) 2002-09-10
EP1149367A1 (en) 2001-10-31
HU227291B1 (en) 2011-02-28
RS49614B (en) 2007-08-03
IL144571A0 (en) 2002-05-23
RU2242795C2 (en) 2004-12-20
ME01248B (en) 2007-08-03
TR200102216T2 (en) 2002-01-21
KR20010108166A (en) 2001-12-07
DE19903822C2 (en) 2001-09-20

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