EP2724304A1 - Procédé et dispositif pour effectuer des paiements scripturaux - Google Patents

Procédé et dispositif pour effectuer des paiements scripturaux

Info

Publication number
EP2724304A1
EP2724304A1 EP12732946.4A EP12732946A EP2724304A1 EP 2724304 A1 EP2724304 A1 EP 2724304A1 EP 12732946 A EP12732946 A EP 12732946A EP 2724304 A1 EP2724304 A1 EP 2724304A1
Authority
EP
European Patent Office
Prior art keywords
payment
subscriber identifier
code
mobile telecommunication
transaction code
Prior art date
Legal status (The legal status 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 status listed.)
Ceased
Application number
EP12732946.4A
Other languages
German (de)
English (en)
Inventor
Michael SUITNER
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Secure Payment Technologies GmbH
Original Assignee
Secure Payment Technologies GmbH
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 Secure Payment Technologies GmbH filed Critical Secure Payment Technologies GmbH
Publication of EP2724304A1 publication Critical patent/EP2724304A1/fr
Ceased legal-status Critical Current

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
    • G06Q20/30—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
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/18—Payment architectures involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
    • 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
    • G06Q20/20—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
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3274—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
    • 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
    • G06Q20/3278—RFID or NFC 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
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • 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
    • G06Q20/383—Anonymous user system
    • 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
    • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes

Definitions

  • the invention relates to a method and a device for performing cashless payments by means of mobile telecommunication terminals.
  • Cashless payment is usually through credit institutions and involves payments in the form of book money between current accounts where no cash is moved.
  • the customer's account will be debited with the payment amount and the recipient will have a corresponding credit note in his account.
  • the credit institutions bring the service of the transfer and usually receive a fee credit ev. In the context of Konto Unitspauschalen.
  • the order to make a cashless payment may be made either by the payee or by the payer.
  • the payor makes a transfer, for example, by means of electronic banking.
  • the commissioning by the payee is usually done by direct debit due to a corresponding contractual relationship between payee and payer.
  • direct debit due to a corresponding contractual relationship between payee and payer.
  • the card payments generally use one of the above-mentioned basic payment methods. In most cases, the amounts are collected from the cardholder by means of guaranteed non-repayable direct debits and debited to his account.
  • the functions of the cards are mainly used for cash procurement and the credit card for short-term borrowing.
  • the payee is known, for example, the name of the cardholder, his card number and the PIN code.
  • additional data is added, such as the purchased item and the account number of the payer.
  • a conventional payment transaction with an electronic payment card usually proceeds as follows: 1) Amount is input
  • Card is requested and read out with the help of the card reader.
  • the security module is activated and requires the entry of the PIN.
  • the communication module establishes the connection to the provider and registers there for the data exchange.
  • Plausibility checks are carried out via the communication connection via data exchange.
  • An online connection with the bank checks whether a) there is no entry of the card used in the lock file; b) the entered PIN is correct; c) the payment amount is within the available financial envelope. The payment will be rejected if one of the conditions is not met.
  • the communication module logs off the provider and terminates the connection. Some terminals are always online.
  • the printer creates a protocol for payment or rejection.
  • the display shows the corresponding.
  • the result "payment made” guarantees the merchant his payment.
  • the present invention now aims to improve a method and a device of the type mentioned in that the effort for the authorization and the risk of data misuse are reduced.
  • the cashless payment should be made possible with the help of mobile telecommunication terminals in a simple manner, without having to accept losses in terms of the security of the payment process.
  • a method for performing cashless payments by means of mobile telecommunication terminals comprising the steps:
  • the authorization of the payment is thus exclusively in the payee's cash register system, eliminating the need for an online connection to a bank.
  • the payee has the payment limit of the data subject available to him without any querying or checking thereof required at the card issuing institution or at the bank.
  • a transaction code is used, which is generated before the execution of the payment process and has been transmitted to the mobile telecommunication terminal of the debtor.
  • the transaction code is subsequently validated using a check algorithm stored in the checkout system, the release of the payment being made only if the validity check has been completed positively.
  • To carry out the authentication of the debtor is thus only the cashier system stored test algorithm required, wherein the test algorithm to increase the safety at regular intervals can be renewed.
  • the identification of the payer takes place exclusively on the basis of the subscriber identifier transmitted during the payment process.
  • Person-specific data is not available to the payee as part of the payment process, so that the highest possible level of data protection can be achieved, in particular if the subscriber ID is neither the number of a credit, debit or cash card nor the number of a bank account. Furthermore, if the subscriber identifier is not related to a telephone number of the mobile telecommunication terminal, no assignment to a specific person can take place in this way.
  • the authorization or release of the payment according to the invention is carried out exclusively in the POS system and therefore no online connection to a bank or the like. Is required, a variety of payments can be collected in the POS system before the payments for the actual implementation of the transfer or for instigating the Direct debit be forwarded. Alternatively, it is also possible that the payments will be passed on without delay.
  • a preferred procedure provides that the ordering of the booking order comprises the following steps:
  • the payment processing center only has data records provided by the POS system which contain at least the subscriber identifier and the payment amount. As a rule, the data record also contains further data enabling the payment transaction, such as an identification of the payee and the like.
  • the data record is subsequently transmitted by the payment processing station either directly or indirectly to a banking network, where only then does the assignment of the subscriber identifier to an account number. This means that only with the bank the assignment of the payment to a certain person can take place.
  • the person-specific account number is a virtual account number
  • virtual account numbers and real account numbers are stored in the banking network assigned to each other and assigned as part of a debit order the virtual account number of the corresponding real account number.
  • the subscriber identifier is thus not translated directly into a real account number of the debtor, but a virtual account number is interposed, so that even in the possibly used interface between the banking network and the payment processing agency, the actual person-specific account number of the debtor is not available , Rather, the translation of the subscriber identifier into a virtual account number takes place in the said interface, so that even in the event that the payment processing agency would gain access to the data records of the interface in an inadmissible manner, no useable personal data could be obtained. Only after the forwarding of the payment data records to the bank is a translation of the virtual account number into the real account number made, so that an allocation of the payment to a certain person actually becomes possible in the bank itself.
  • the subscriber identifier In order to prevent unauthorized reading out of the data transmitted between the mobile telecommunication terminal and the POS system of the payee, it is preferred to proceed by coding the subscriber identifier, the transaction code and the payment limit in the mobile telecommunication terminal and transmitting this as a code to the payee's POS system with the code being decoded in the POS system.
  • the data transmission between the mobile telecommunication terminal and the POS system can be done using conventional data transmission standards for which the plurality of telecommunication terminals are equipped.
  • modern mobile phones have the option of a Bluetooth, WLAN or NFC connection.
  • this requires a corresponding retrofitting of existing cash register systems in order to achieve the respectively required hardware adaptation and to implement the respective transfer protocols by software technology.
  • the code is an opto-electronically readable code, in particular a bar code, which is displayed on a display unit of the mobile telecommunication terminal.
  • Such opto-electronically readable code in particular a bar code
  • the system according to the invention can also be used by means of NFC technology without further ado.
  • the verification of the validity of the data provided by the debtor is based in the context of the method according to the invention mainly on the transmitted transactions. on code.
  • the transaction code is in this case generated using an algorithm and is checked in the POS system using a test algorithm in terms of its validity.
  • a particularly preferred embodiment results here when the test algorithm and the algorithm used for the generation of the transaction code are matched to one another.
  • the checking algorithm and the algorithm used to generate the transaction code must be mathematically linked such that the checking algorithm only validates those transactions that were generated using the algorithm provided for generating the transaction code.
  • the algorithm used for generating the transaction code is stored in the payment processing station. The algorithm used to generate the transaction code is thus outside the influence of the debtor, making manipulation more difficult.
  • the transaction code is generated in the payment processing center.
  • the respective payment limit is made available by the payer with each payment transaction, so that the creditor's side accounts for the expense of the relevant verification.
  • the payment limit can be set by the debtor himself, which can be done for example by setting a corresponding default value in the mobile telecommunication terminal.
  • the setting of the payment limit can also be made separately for each payment.
  • the setting of the payment limit by the debtor has the disadvantage that the corresponding cover on the account is not guaranteed.
  • the payment limits are managed centrally.
  • the subscriber identifications are stored in the payment processing station and each subscriber identifier is assigned a respective payment limit, and the payment limit is transmitted from the payment processing center to the mobile telecommunication terminal. It is particularly preferred if the payment limit associated with a subscriber identifier in the payment processing station is matched with a stored payment limit associated with the respective subscriber identifier in a banking network.
  • the procedure according to the invention can be such that a payment limit changed after a matching process is transmitted to the mobile telecommunication terminal corresponding to the subscriber identifier together with a new transaction code.
  • a timestamp is transmitted from the mobile telecommunication terminal to the POS system, preferably in coded form, and the time stamp in the POS system is compared with the current time and releasing the payment in the POS system occurs if the difference between the current time and the timestamp does not exceed a defined value.
  • the functions required for carrying out the cashless payment procedure are designed such that they can be readily implemented on conventional mobile telephones.
  • a particularly convenient and user-friendly embodiment provides here that the process steps that can be carried out on the mobile telecommunication terminal are implemented in a program application loadable on the device.
  • Such a program application can simultaneously provide a correspondingly user-friendly and appealing user interface.
  • the function of coding the data to be transmitted can also be implemented in the program application, with a correspondingly large-area display element also allowing the display of a bar code which is preferably provided.
  • the subscriber identifier can further in simple Way the subscriber identifier be embedded, in which context it is preferably provided that the subscriber identifier is an application-specific identifier, which is generated for example by the banking network and stored in the Programmapplika- tion. To increase security, it may further be preferred that the application starts a PIN request before transmitting the subscriber identifier, the transaction code, the payment limit and possibly the time stamp from the mobile telecommunication terminal to the cash register system and the transfer takes place only if the PIN is entered correctly.
  • the process can be provided in detail, for example, as follows:
  • the application receives subscriber identification, transaction codes and payment limit at a time when the mobile phone is online - possibly long before the application is activated for payment.
  • the PIN is entered in the application, it is preferably again checked whether the code already held ready in the application still contains the correct payment limit, that is, a comparison is made with the payment limit stored in the payment processing point.
  • a device for making cashless payments by means of mobile telecommunication terminals comprising an electronic payment processing center and at least one electronic cash register system of a payee, wherein the payment processing center comprises at least one database, the subscriber identifiers of mobile telecommunication terminals and the subscriber identifications stored payment limits, a transcoding code generator that has one for the respective transaction code using an algorithm, and transmission means for transmitting the transaction code and the associated payment limit to the mobile telecommunication terminal, and wherein the POS system is adapted to in a cashless payment transaction from a mobile telecommunication terminal transmitted data, namely the subscriber identifier, receiving and checking the transaction code and the payment limit, the POS system having input means for entering a payment amount, the POS system further comprising processing means adapted to compare the transmitted payment limit with the desired payment amount and the validity of the payment Checking transaction codes using a check algorithm stored in the checkout system, the checkout system further having release means to release the payment if follow conditions are met: the desired
  • the invention will be explained in more detail with reference to an embodiment schematically illustrated in the drawing. 1 with a cash register system of a payee is referred to, which comprises at least one cash register 2, which is connected to a central cash register 3.
  • the cash register server 3 can be located locally at the location of the cash register 2. Particularly in the case of cash register systems with a multiplicity of spatially distributed cash registers 2, the cash register server 3 can also be arranged at a remote location.
  • the cash register server 3 is a conventional billing system, the data of which is handled by the individual cash registers 2 Payments are transmitted. Typically, the payment amount, an identification of the cash register 2 as well as the time of payment are transmitted for each payment.
  • the cash registers are suitable for both cash payments and electronic cashless payments.
  • the connections of the individual cash registers 2 to the checkout server 3 via conventional protocols, such as an XML web service.
  • the conventional POS server 3 is supplemented in the present embodiment by a program extension 4, which allows the implementation of the present invention.
  • a mobile telecommunication terminal of a user is designated 5. This is a conventional mobile phone, in particular smartphones are suitable. On the mobile telecommunication terminal 5, a program application 6 is installed, which allows the processing of the cashless payment method according to the invention.
  • the central settlement point is denoted by 7 and comprises a payment server 8 and a database 9.
  • the payment processing center 7 can set up a data connection both to the POS system 1 and to the mobile telecommunication terminal 5.
  • the payment processing point 7 is connected to an exchange server 10, which in turn communicates with a bank 11 or corresponding electronic banking networks.
  • the processing of a cashless payment according to the present invention from the point of view of a customer who wants to make a cashless payment is as follows. This assumes that the customer maintains an account with a bank. First, the bank customer must load the program application 6 on his mobile telecommunication terminal 5. Prefers > this is done so that the bank customer logs into the online banking area of his bank and connects the program application 6 with his bank account. Once the customer has loaded the program application 6 on his mobile telecommunication terminal 5 and installed there, the terminal 5 is ready for cashless payment transactions. Previously, a subscriber identifier generated by the bank 11 was stored in the program application 6.
  • the storage process can be carried out either due to a manual input of the subscriber identifier by the customer or may already have been stored on the bank side in the program application provided for downloading. It is essential that the subscriber identifier is a unique and unique identifier, so that it is subsequently possible to uniquely identify the subscriber based on the subscriber identifier.
  • the program application 6 is on the display unit of the mobile telecommunication terminal 5 is a disposable barcode that is read by a barcode reader of the cash register 2. The code transmitted in this way is checked for validity in the POS system 1. If the quality check has been completed successfully, the barcode will be accepted as payment and the payment amount will subsequently be withdrawn from the customer's bank account.
  • the bank 11 is connected to the payment processing center 7 via the exchange server 10. When a bank customer downloads the program application 6, this is reported by the bank 11 to the payment processing point 7. In this case, the bank 11 first transmits the subscriber identifier assigned to the bank customer together with an anonymous virtual account number to the exchange server 10. The virtual account number is not the real account number of that checking account. that the subscriber maintains at Bank 11. In the exchange server 10, the subscriber identifier and the subscriber identifier respectively associated virtual account number is stored. The payment processing center 7 receives in the sequence only the subscriber identification transmitted.
  • the payment processing point 7 does not have any real account data of the bank customer, so that the data available in the payment processing point 7 are basically anonymous, which means that the security standard in the payment processing point 7 and also in the POS system 1 can be chosen to be lower Any data theft does not bring any usable or personal data.
  • the further data exchange between the payment processing point 7 and the bank 11 takes place exclusively via the virtual account number, that is, by means of the exchange server 10.
  • the bank 11 sends the payment limit associated with the relevant account to the payment processing point 7. If the payment limit of a customer changes as a result, the bank 11 can at any time send a new payment limit to the payment processing point 7 via the interface server 10.
  • the payment processing center 7 has stored the subscriber identifier and the respective assigned payment limit in the database 9. This data is transmitted to the payment server 8, which comprises a transaction code generator with which unique transaction code can be created using an algorithm stored in the payment server 8. To prepare for a cashless payment transaction with the aid of the mobile telecommunication terminal 5, the payment server 8 creates a code which preferably contains the subscriber identifier, the payment limit and the automatically generated transaction code in encrypted form and transmits this code to the program application 6 of the mobile telecommunication terminal 5.
  • the data transmission can either on request of program application 6 or be caused by the payment server 8. It is essential here that the data transmission takes place only if it has previously been established that the program application 6 contains the subscriber identifier which corresponds to the subscriber identifier contained in the code to be transmitted.
  • the code obtained from the payment server 8 is supplemented by a time stamp.
  • the program application 6 creates in the sequence of the subscriber identifier, the payment limit, the transaction code and the time stamp a bar code, which is displayed on the display unit of the mobile telecommunication terminal 5.
  • the cash register 2 scans the displayed barcode with the aid of a barcode scanner and transmits it to the checkout server 3.
  • the program extension 4 implemented in the checkout server 3 decodes the transmitted code and can use a locally stored check algorithm to check whether the transmitted transaction code is valid. Furthermore, the transmitted timestamp determines whether the transmitted code is still valid. Furthermore, it is checked whether the desired payment amount, which was transmitted from the cash register 2 together with the code to the cash register system 3, is compatible with the likewise transmitted payment limit.
  • the checkout system 3 is connected to the payment server 8, whereby the check algorithm stored in the checkout system 3 can be changed at any time.
  • the checkout system 3 If the check of the code transmitted to the checkout system 3 has shown that the code is valid, the checkout system 3 notifies the cash register 2 that the payment can be accepted.
  • the cash register system 3 transmits the accepted code containing the subscriber identifier, the payment limit, the transaction code and the time stamp and additionally the payment amount and other payment-relevant data, such as an identification of the cash register and the merchant to the payment processing agency 7 and in particular to the database 9.
  • the payment processing center 7 transmits a data record containing the subscriber identifier, the payment amount and an identification of the merchant and possibly the time stamp, an invoice number and further payment-relevant data to the exchange server 10.
  • the exchange server 10 can assign the subscriber identifier to a virtual account number and send a debit order and the transaction details together with the virtual account number to the bank 11 or to a corresponding banking network.
  • the virtual account number is used to assign the customer's real account and the account is debited with the corresponding payment amount.

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Computer Security & Cryptography (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

L'invention concerne un procédé pour effectuer des paiements scripturaux au moyen de terminaux de télécommunication (5) mobiles, chaque terminal de télécommunication (5) ayant en mémoire un identifiant d'abonné et une limite de paiement associée à cet identifiant. Ce procédé consiste à générer un code de transaction spécifique de l'opération de paiement au moyen d'un algorithme et à le transmettre au terminal de télécommunication (5) mobile. L'appareil de télécommunication (5) transmet l'identifiant d'abonné, le code de transaction et la limite de paiement à un système d'encaissement (1) d'une opération de paiement scripturale, dans lequel la limite de paiement transmise est comparée avec le montant de paiement désiré et la validité du code de transaction est contrôlée au moyen d'un algorithme de contrôle stocké dans le système d'encaissement (1). Si le contrôle est concluant, le paiement est autorisé dans le système d'encaissement (1).
EP12732946.4A 2011-06-22 2012-06-19 Procédé et dispositif pour effectuer des paiements scripturaux Ceased EP2724304A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
ATA912/2011A AT511626B1 (de) 2011-06-22 2011-06-22 Verfahren und vorrichtung zum durchführen von bargeldlosen zahlungen
PCT/AT2012/000173 WO2012174579A1 (fr) 2011-06-22 2012-06-19 Procédé et dispositif pour effectuer des paiements scripturaux

Publications (1)

Publication Number Publication Date
EP2724304A1 true EP2724304A1 (fr) 2014-04-30

Family

ID=46466012

Family Applications (1)

Application Number Title Priority Date Filing Date
EP12732946.4A Ceased EP2724304A1 (fr) 2011-06-22 2012-06-19 Procédé et dispositif pour effectuer des paiements scripturaux

Country Status (4)

Country Link
US (1) US20140156530A1 (fr)
EP (1) EP2724304A1 (fr)
AT (1) AT511626B1 (fr)
WO (1) WO2012174579A1 (fr)

Families Citing this family (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US10740732B2 (en) 2015-05-20 2020-08-11 Ripple Luxembourg S.A. Resource transfer system
US11386415B2 (en) 2015-05-20 2022-07-12 Ripple Luxembourg S.A. Hold condition in a resource transfer system
US11367072B2 (en) 2015-05-20 2022-06-21 Ripple Luxembourg S.A. Private networks and content requests in a resource transfer system
US11392955B2 (en) 2015-05-20 2022-07-19 Ripple Luxembourg S.A. Temporary consensus networks in a resource transfer system
US11392944B2 (en) 2015-05-20 2022-07-19 Ripple Luxembourg S.A. Transfer costs in a resource transfer system
US11481771B2 (en) 2015-05-20 2022-10-25 Ripple Luxembourg S.A. One way functions in a resource transfer system
US10839369B1 (en) * 2019-07-22 2020-11-17 Capital One Services, Llc Dynamic electronic communication with variable messages using encrypted quick response codes
US11954124B2 (en) 2021-04-19 2024-04-09 Wealthfront Corporation Synchronizing updates of records in a distributed system

Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2010126509A2 (fr) * 2009-04-30 2010-11-04 Donald Michael Cardina Systèmes et procédés pour paiement mobile rendu aléatoire
US20110022472A1 (en) * 2009-02-25 2011-01-27 Zon Ludwik F Payment system and method

Family Cites Families (10)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7376583B1 (en) * 1999-08-10 2008-05-20 Gofigure, L.L.C. Device for making a transaction via a communications link
US6584309B1 (en) * 1999-12-16 2003-06-24 The Coca-Cola Company Vending machine purchase via cellular telephone
DE10005487A1 (de) * 2000-02-08 2001-08-09 Siemens Ag Verfahren zur Nutzeridentitätskontrolle
JP2001344545A (ja) * 2000-03-29 2001-12-14 Ibm Japan Ltd 処理システム、サーバ、処理端末、通信端末、処理方法、データ管理方法、処理実行方法、プログラム
US7209903B1 (en) * 2000-07-13 2007-04-24 Ctech Global Services Corporation Limited Method and system for facilitation of wireless e-commerce transactions
CA2354896A1 (fr) * 2001-08-09 2003-02-09 Scott Edward James Garratt Methode d'activation d'une machine distributrice
EP1316929B1 (fr) * 2001-12-01 2008-02-27 Scheidt & Bachmann Gmbh Méthode pour effectuer, sans numéraire, des procédures d'utilisation de machines de vente
US20080223918A1 (en) * 2007-03-15 2008-09-18 Microsoft Corporation Payment tokens
WO2009070114A1 (fr) * 2007-11-30 2009-06-04 Skycash Sp.Z O.O. Serveur d'émetteur de chèques et système commercial d'un système de paiements de proximité
US20090281904A1 (en) * 2008-04-02 2009-11-12 Pharris Dennis J Mobile telephone transaction systems and methods

Patent Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20110022472A1 (en) * 2009-02-25 2011-01-27 Zon Ludwik F Payment system and method
WO2010126509A2 (fr) * 2009-04-30 2010-11-04 Donald Michael Cardina Systèmes et procédés pour paiement mobile rendu aléatoire

Non-Patent Citations (1)

* Cited by examiner, † Cited by third party
Title
See also references of WO2012174579A1 *

Also Published As

Publication number Publication date
AT511626A1 (de) 2013-01-15
US20140156530A1 (en) 2014-06-05
AT511626B1 (de) 2014-09-15
WO2012174579A1 (fr) 2012-12-27

Similar Documents

Publication Publication Date Title
AT512070B1 (de) Verfahren und vorrichtung zum durchführen von bargeldlosen zahlungen
AT511626B1 (de) Verfahren und vorrichtung zum durchführen von bargeldlosen zahlungen
WO2002011082A1 (fr) Operations de paiement electroniques a l'aide de services d'envoi de messages courts
DE19903363C2 (de) Verfahren und System zur Durchführung von bargeldlosen Finanztransaktionen
WO2009003605A9 (fr) Carte prépayée ou de crédit virtuelle et procédé ainsi que système de fourniture de celle-ci et de gestion de paiement électronique
WO2002043020A2 (fr) Procede et dispositif de transmission de donnees par telephones mobiles dans des operations de paiement par virements electroniques
DE102005017374A1 (de) Verfahren zur Bestätigung einer Dienstleistungsanforderung
WO2013011043A1 (fr) Système mobile pour transactions financières
DE10054633C2 (de) Verfahren und System zum Kontrollieren des Zugangs zu Waren und Dienstleistungen
DE60122912T2 (de) Verfahren zum liefern von identifikationsdaten einer bezahlkarte an einen anwender
EP1141904A1 (fr) Procede de manipulation fiable de monnaie ou d'unites de valeurs avec des supports de donnees prepayes
EP1081919A1 (fr) Méthode pour donner une autorisation pour le payment de biens et/ou services achetés sur Internet dans des réseaux de transmission de données
EP1437668B1 (fr) Procédé pour le paiement de marchandises ou de services sans argent liquide au moyen d'un terminal radio mobile
DE202019106383U1 (de) Elektronische Zahlungsvorrichtung
WO2011141062A1 (fr) Système de paiement, procédé de production d'au moins une paire de codes pour l'autorisation d'une opération de débit et procédé d'exécution d'une opération de paiement
DE102012101091B4 (de) Verfahren und Vorrichtung zur Abwicklung bargeldloser Zahlungstransaktionen
DE10218729B4 (de) Verfahren zum Authentifizieren und/oder Autorisieren von Personen
EP1274971A2 (fr) Procede de paiement securise de livraisons et de services dans des reseaux ouverts
WO2003101082A1 (fr) Procede, programme informatique et systeme informatique pour service de telecommunication prepaye
DE10229619A1 (de) Verfahren zur Durchführung eines Zahlungsvorganges
EP1371038B1 (fr) Procede et dispositif permettant d'effectuer au moins une transaction a titre onereux
DE102017003245A1 (de) Direkte Bezahlung von überschaubaren Geldbeträgen an Automaten durch das eigene Smartphone des zu Zahlenden ohne Bargeldeinsatz oder Übermittlung von Daten des Smartphone-Eigentümers an den Betragsempfänger
DE10115171B4 (de) Verfahren und Einrichtung zum Aufladen von Prepaid-Konten
DE10210792B4 (de) Verfahren und System zur Freischaltung eines kostenpflichtigen Mobilfunk- oder Online-Dienstes
WO2002071353A1 (fr) Dispositif et procede de paiement par virement

Legal Events

Date Code Title Description
PUAI Public reference made under article 153(3) epc to a published international application that has entered the european phase

Free format text: ORIGINAL CODE: 0009012

17P Request for examination filed

Effective date: 20131218

AK Designated contracting states

Kind code of ref document: A1

Designated state(s): AL AT BE BG CH CY CZ DE DK EE ES FI FR GB GR HR HU IE IS IT LI LT LU LV MC MK MT NL NO PL PT RO RS SE SI SK SM TR

AX Request for extension of the european patent

Extension state: BA ME

17Q First examination report despatched

Effective date: 20150312

REG Reference to a national code

Ref country code: DE

Ref legal event code: R003

STAA Information on the status of an ep patent application or granted ep patent

Free format text: STATUS: THE APPLICATION HAS BEEN REFUSED

18R Application refused

Effective date: 20180707