WO2000042537A2 - Procede de paiement d'offres dans un reseau de transmission de donnees - Google Patents

Procede de paiement d'offres dans un reseau de transmission de donnees Download PDF

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Publication number
WO2000042537A2
WO2000042537A2 PCT/DE2000/000125 DE0000125W WO0042537A2 WO 2000042537 A2 WO2000042537 A2 WO 2000042537A2 DE 0000125 W DE0000125 W DE 0000125W WO 0042537 A2 WO0042537 A2 WO 0042537A2
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WO
WIPO (PCT)
Prior art keywords
voucher
user
record
data
provider
Prior art date
Application number
PCT/DE2000/000125
Other languages
German (de)
English (en)
Inventor
Herbert Nebel
Original Assignee
Herbert Nebel
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 Herbert Nebel filed Critical Herbert Nebel
Priority to DE10080076T priority Critical patent/DE10080076D2/de
Priority to AU31431/00A priority patent/AU3143100A/en
Publication of WO2000042537A2 publication Critical patent/WO2000042537A2/fr

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Classifications

    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00Commerce
    • G06Q30/02Marketing; Price estimation or determination; Fundraising
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00Commerce
    • G06Q30/06Buying, selling or leasing transactions

Definitions

  • the invention relates to a method for paying for offers in a data transmission network, to which several users and several providers are connected, of which the providers provide various chargeable offers to which a user has access after transmission of a voucher data record representing a monetary value, the User has previously requested and received the voucher data record via a special connection and the costs for the voucher data record have been recorded and billed to the user via the special connection.
  • Such a method is known from CA patent application 2 195 968.
  • This known method makes it possible to make chargeable offers accessible via a certain group of dialing numbers, via which the costs can be determined in accordance with the offer.
  • the connection to providers is established by organizations, generally known as "providers", for users registered with them, using a data transmission network, the operator of which charges the user directly for using the network.
  • the user who accesses a fee-based offer is therefore charged in terms of costs in basically the same way as when using the data transmission network for free offers, but additionally with the costs recorded via the specific dialing numbers with a higher amount of money.
  • the provider is credited with at least a portion of the amounts of money received via the specific dialing numbers, so that the provider is paid for the use of his paid offer.
  • the known method also specifies the possibility of paying for a fee-based offer by means of a stamp record, which the user applies for beforehand and transfers to him.
  • This stamp of value stamp hereinafter also referred to as the voucher record or simply called the voucher, corresponds to a chargeable offer, since it is also transmitted to the user via dialing numbers that can be used to record special costs, in this case the cost of the voucher.
  • a voucher can also be used only partially, so that offers with the same value can be used to access offers from the same provider one after the other.
  • the user can use such a voucher from a provider for an unlimited time for all offers of this provider. However, this is not always satisfactory for the provider. So it may be favorable for the provider for internal billing reasons that a Coupon can only be used for a limited time. This is useful, for example, if the offer is the current issue of a magazine. It is also possible that the voucher record can be used a certain number of times. This is useful, among other things, for the same application. This is not provided for in the known method.
  • the object of the invention is to provide a method of the type mentioned at the outset with which it is possible to limit the validity of the voucher.
  • the voucher data record is provided with data which determine its validity and which is inseparably linked to the other data, and in that the validity of the voucher data record is checked before the offer is released to the user.
  • the inseparable connection of the data determining the validity can take place, in particular, in that this data with the other data of the voucher, which among other things indicate the value of the voucher and also individually identify the voucher, as a coherent data record according to a secret, in particular only the provider or encrypted code known to a service provider and / or supplemented by a test data record generated by such a code.
  • the encryption or such a check data record is then also checked every time the voucher is used at a corresponding point that checks the validity of the voucher.
  • the data that uniquely identify the voucher data record are stored in a location that is independent of the user and that each voucher data record transmitted by the user for access is compared with this stored data and this stored data after the voucher has been used marked or deleted accordingly.
  • the identifying data can be parts of the data record itself.
  • a voucher record can contain various information about its validity. So it is possible that the voucher record contains information for a date after which it is found to be invalid when checked. This is useful if, for example Offer is the current issue of a magazine, and the date contained in the voucher record could be that of the next issue of this magazine. It is also possible that the voucher data record contains information for a number of times and after use of this number of times is found to be invalid when checked. This is useful, among other things, for the same application. Several such details can also be present in the voucher data record at the same time, which are then effective in combination. For example, a voucher record with a higher value is given a date after which it is no longer valid, even if it has not yet been completely used up. Other combinations are also useful.
  • a type of voucher can be useful, on which amounts can be credited by the provider and which preferably does not contain a date for a period of validity, ie represents a "permanent voucher".
  • the provider can also specify a planning framework, whereby this voucher can also have a negative balance. When this balance is reached, the voucher becomes invalid, which in this context means that it cannot be used for paid offers. As such, the voucher can still remain and become valid again, in particular if a monetary amount is credited to it, while other types of vouchers that have finally been used up should expediently be automatically deleted by the user.
  • the voucher can contain its value in the form of fractions which are consumed in succession when an offer is accessed with time-dependent costs.
  • the provider must request or debit a further fraction of the voucher after each time unit.
  • this requires increased processing effort on the part of both the provider and the user, in particular if the fractions are very small, in order to enable precise payment of offers at significantly different costs.
  • it is therefore expedient that after transmission of a voucher data record by the user with a monetary value which exceeds the costs of the accessed offer or the sum of the costs of several offers which are accessed consecutively in a session and which are also differently expensive, a new one Voucher record is transferred to the user.
  • the value of the new voucher then corresponds to the value of the old voucher minus the costs of the accessed paid offer.
  • This option can also be used for offers for which payment has to be made according to the duration of use, i.e. the duration of access.
  • a voucher with a sufficiently high value is transmitted to the provider, and the provider transmits a new voucher with a corresponding residual value to the user when the access is completed.
  • requesting a voucher record can be done as well as accessing a paid offer, because a voucher can be viewed as such an offer.
  • a start program is preferably started automatically at the user, which can be contained in a start data record first transmitted to the user when it is accessed and is automatically installed or which already exists at the user.
  • This program then terminates the existing connection and sets up a special connection using a corresponding number.
  • a number can begin with the numbers 0190. Numbers of this type in particular generate a faster charging cycle, with different of these numbers causing charging cycles of different speeds and these can also be flexibly adjustable, for example by the provider.
  • the voucher does not necessarily have to be created and transmitted by the provider, but the provider can also determine that, for example, a service provider generates the voucher and transmits it to the user.
  • a service provider can preferably be an organization that organizes the payment of chargeable offers by registering the charges incurred under the numbers mentioned and ensuring the throughput to the user, for example in cooperation with the provider.
  • the service provider can therefore be identical to the provider, but need not be. In this sense, the term "service provider" has been and will be used in the following.
  • the payment of a voucher can also be made in any other way, for example as previously known payments of chargeable offers by means of credit cards.
  • Access to a fee-based offer via an automatically triggered start program and a special connection is basically already known, for example from the service designated "eCharge” in the USA. However, no vouchers are used.
  • the start program or the establishment of the special connection can also be triggered by the provider, so that the charge units for the voucher accrue with the provider.
  • the user's provider must then charge the user accordingly, that is, in addition to the normal time-dependent charges, also the charge units generated via the special connection. This is possible because the respective provider always knows which one is used User he is currently communicating with. He can arrange this service with each of his customers if he concludes the contract with him as a provider. However, it may also be sufficient if the provider informs the user before switching to the special connection and asks for his consent. This makes it unnecessary to transfer the start program from the provider to the user; it is sufficient if the provider has this start program. Users with a dedicated line to their provider or on an intranet can then also use this service.
  • a user will access offers through his own connection to the data transmission network.
  • a user is connected to another person or another device, e.g. Kiosks or cafes who want to access a paid offer, but want to cover the cost of this access themselves by using a voucher.
  • the user is registered with the operator of the data transmission network with a personal code that identifies his own connection, and that when the user requests a voucher, the personal code is transmitted from an external connection, whereby the Charge units are assigned to the connection contained in the personal code.
  • the registration of the user is necessary, since otherwise such a method can be misused too easily. Additional authentication of the user can also optionally be used.
  • FIG. 1 shows schematically a data transmission network with connected users and providers
  • FIG. 2 shows a flow chart for the sequence of steps when accessing a fee-based offer
  • FIG. 3 shows an example of the structure of a voucher data record.
  • FIG. 1 schematically shows two users 10 and 12, each of whom can be connected to one of two providers 14 or 16 via a data transmission network 22.
  • This dial-up connection is made via at least one switching center 20.
  • the data transmission network has several switching centers, which is omitted in FIG. 1 for reasons of clarity.
  • the network 22 is also connected via the or an exchange 20 via a connection 24 coupled to a connection computer 30, the connection 24 also being able to be regarded as part of the data transmission network 22.
  • the switching center 20 establishes a connection to the connection computer 30 if, for example, a user dials a number from a certain group of numbers, for example in Germany a number beginning with the number sequence 0190.
  • connection 24 also leads to a security server 34, which itself is coupled to the connection computer 30.
  • security server 34 itself is coupled to the connection computer 30. It should be noted that the connection computer and the security server can be formed together by a single, larger computer system.
  • connection computer 30 is connected to the providers 14 and 16 via a special connection network 32.
  • the special connection network 32 can also be part of the data transmission network 22 and represent connections established therein by specific numbers and is only shown separately here for the sake of clarity.
  • both the data transmission network 22 and the special connection network 32 and the connection 24 are bidirectional, so that data can be transmitted in both directions.
  • the symbol 40 marks the start of the process, whereby there is a connection between the user and the provider via a provider, through which the user can access various offers, usually shown as pages.
  • the user finds an offer from the provider that he wants to access and sends a corresponding request or request to the provider. This is indicated by block 41.
  • the provider then transmits an information record from which the user can recognize further details of the offer, in particular also the costs for using the offer. This is indicated by block 42.
  • the user agrees with the further details of the offer and also with its costs and now triggers access. This is indicated by block 43.
  • the user specifies whether he wants to pay for the offer with a voucher or, for example, via a faster fee cycle, as indicated by block 45, if this option is available is preferably provided by the provider in the information record.
  • the user indicates with his access that he wants to pay with a voucher. If the user already has a voucher with sufficient credit, the voucher, i.e. the corresponding voucher record, then transmitted to the provider, as indicated by block 46.
  • the voucher record is preferably transmitted using a program which was transmitted to the user when the voucher was purchased.
  • this voucher data record has been received by the provider or by a contracted service provider, it is checked for validity, which is indicated by block 47. This check is expediently carried out as a function of the type of voucher and is explained below on the basis of the structure of a voucher data record shown in FIG. 3, for example.
  • Section 71 may contain unique identification of the provider.
  • Section 72 contains an identification code which uniquely identifies the voucher and which is generated when the voucher is purchased and is transmitted to the user.
  • Section 73 contains data which indicate the type of voucher and determine the meaning of the data contained in section 74.
  • the simplest type is a voucher with no validity. In this case, the data contained in section 74 are irrelevant or this section is not available. Another way is that this section contains an expiry date and can be used as often as desired up to that date, i.e. is not marked as used after use.
  • section 74 contains an indication of how often it may be used, the number of uses already made being registered by the provider and expediently also by the user. A combination of the various options can also be expedient, for example that the voucher may be used a predetermined number of times within a predetermined period of time or up to a specific date.
  • a "permanent voucher” can also be provided, which does not expire and from which not only partial amounts are debited, but on which amounts can also be added by the provider in the sense of a credit note and which also have a negative balance in a disposition frame specified by the provider in the voucher can have.
  • a new voucher would then be issued to the user, analogous to the debiting of partial amounts, and the old voucher would become invalid.
  • information about a disposition frame can be contained in the voucher data record, so that the user can use a voucher could have a negative balance, provided that this is within the planning range specified by the provider.
  • the permanent voucher is assigned to a provider and can be treated like an account.
  • the provider could, for example, offer services that are also common via normal current accounts, such as transfers. Since the provider always keeps a copy of the voucher and thus a "shadow account" for the user, he can also perform services for the user, for example the execution of standing orders without the user being currently accessible.
  • the voucher can be compared the next time the user accesses it.
  • One possible application for this is, for example, a permanent lottery ticket. Periodically, the game fees would be debited and winnings credited to the voucher.
  • Section 75 may include an indication of the current value of the voucher, if such an indication is necessary. In the case of a voucher that can be used as often as desired within a period of time specified on it, there is no need to have a value.
  • Section 76 may contain further information requested by the provider, for example for statistical or similar purposes, or this section may be missing entirely.
  • Section 77 finally contains a test data record which has been formed from at least some information from the preceding sections according to a secret code. It is therefore not possible for a fraudulent user to change the data of these sections without being noticed. However, if the essential details of the voucher are transmitted to the user in encrypted form according to a secret code, preferably as a coherent data record, this section need not be present either.
  • the check of the voucher data set transmitted by the user is expediently carried out at the point that previously generated the voucher data set, for example at the provider or a service provider.
  • this section 77 is preferably first checked as to whether it corresponds to the information in the corresponding other sections, or an encrypted voucher is decrypted and checked for plausible information, for example. This is possible because the secret code for this test record or for the encryption is known to the issuing body. Then section 71 is checked whether this voucher is suitable or intended for the provider for whom the user is using the voucher.
  • the provider can also be an operator of another payment system.
  • the voucher would be issued by the provider or a service provider, for example, and the costs to be borne by the user for this voucher would be transferred by the issuer of the voucher to the operator of the other payment system.
  • the identity code in section 72 is checked for the following reasons. When using a voucher, it should automatically be deleted by the user as used up. In order to prevent a previous fraudulent duplication by a fraudulent user, a record identifying him must be saved for each voucher at the issuing body or a service provider, i.e. this record itself or a part of it or a record derived from this record.
  • this voucher ie the voucher data record
  • the issuer of the voucher or by the suggested service provider checks whether it has already been used, ie has been used up. If this is the case, the transfer of the paid offer will be refused.
  • section 73 and possibly section 74 is checked whether the voucher can still be used according to the information contained therein, i.e. whether e.g. the expiry date has already passed or the number of times has already been fulfilled, unless in the latter case the voucher has not already been deleted from the user when it was last used.
  • section 75 is checked whether the monetary value specified therein is sufficient for access to the desired offer, provided that the value specification is required for the offer in question. It is also possible that the valid voucher transferred has a value that exceeds the cost of the offer for which it was transferred. In this case, a new voucher will be transferred with the transfer of the offer, the value of which will be reduced according to the cost of the offer. This transfer of the offer takes place after successful verification of the voucher, as indicated by block 48.
  • the user does this in the following way.
  • he selects the "voucher" offer from the offers of the provider in question, whereby, as described above, the provider transmits, in accordance with block 42, an information record from which the user can recognize further details of this offer, in particular what type he wants to purchase a voucher from a number of different types specified by the provider in order to pay for the actually desired offer.
  • the type of voucher can be, for example, a selectable value, a date for the period of validity, a predetermined number of times of use or combinations thereof.
  • a start data record is transmitted that contains more detailed information about the voucher, for example also an indication of the choice of the value of the voucher.
  • This start data set essentially contains a start program, if This is not already available to the user, for example, and, if applicable, an access authorization code, hereinafter also referred to as the access code.
  • the access code can also be generated by the provider if he so wishes and is then sent to the security Server
  • the access code may be transmitted by the user, and the security server 34 checks whether it is a correct access code. This is expediently encrypted using a secret method or with a secret key, so that it is practically not abusive by the user
  • the connection via the connection network 32 to the provider 16 is therefore only established when the security server has successfully completed the test, which is reported to the connection computer 30.
  • This checking of the access code is indicated by block 52
  • Special connection additionally an authentication between provider and security server 34 or connection computer 30 can be carried out. This can in particular prevent a user from directly abusing the normally protected number of the connection between connection computer and provider bypassing the connection computer selects After establishing the special connection to the provider via the connection network 32, the provider transmits the voucher data record to the user.
  • the operator of the data transmission network 22 and the switching centers 20 generates a faster fee cycle, based on the corresponding special dialing number which the special connection was established via the connection computer 30.
  • This special dialing number preferably also determines the clock rate of the faster fee rate indicated by block 53.
  • further data relevant to this process can be stored so that any complaints can be tracked
  • the start program for example at the user who has set up the special connection, also ends it again, so that no faster charge cycle is generated.
  • the original connection is automatically re-established, as indicated by block 55.
  • the sequence then goes to the end symbol 60, which indicates that the further sequence takes place in the usual manner, the user pointing to the accesses the original offer of the provider by means of the previously purchased voucher or ends his session

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Abstract

Le traitement d'offres payantes d'un fournisseur de services dans un réseau de transmission de données, de préférence dans l'Internet, peut se faire par l'intermédiaire de numéros de sélection particuliers ou bien par l'intermédiaire d'un jeu de données de crédit qui a été préalablement demandé et transmis par le fournisseur ayant émis l'offre payante. Pour que l'utilisation d'un tel crédit soit particulièrement souple, il est proposé, selon l'invention, d'ajouter au jeu de données de crédit des indications de validité qui, avec d'autres données importantes du jeu de données de crédit, sont sécurisées au moyen d'un code secret. Les indications de validité peuvent se présenter sous la forme de la date jusqu'à laquelle le crédit peut être utilisé, ou du nombre de fois que le crédit peut être utilisé. L'utilisation d'autres critères et d'autres combinaisons de ceux-ci est également possible.
PCT/DE2000/000125 1999-01-15 2000-01-10 Procede de paiement d'offres dans un reseau de transmission de donnees WO2000042537A2 (fr)

Priority Applications (2)

Application Number Priority Date Filing Date Title
DE10080076T DE10080076D2 (de) 1999-01-15 2000-01-10 Verfahren zum Bezahlen von Angeboten in einem Datenübertragungsnetz
AU31431/00A AU3143100A (en) 1999-01-15 2000-01-10 Method for paying for services in a data transmission network

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
DE19902830 1999-01-15
DE19902830.3 1999-01-15

Publications (1)

Publication Number Publication Date
WO2000042537A2 true WO2000042537A2 (fr) 2000-07-20

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PCT/DE2000/000125 WO2000042537A2 (fr) 1999-01-15 2000-01-10 Procede de paiement d'offres dans un reseau de transmission de donnees

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AU (1) AU3143100A (fr)
DE (2) DE10002881A1 (fr)
WO (1) WO2000042537A2 (fr)

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP1455289A1 (fr) * 2003-03-07 2004-09-08 Koninklijke KPN N.V. Méthode et dispositif pour paiement et livraison par événement

Families Citing this family (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
DE10100609A1 (de) * 2001-01-09 2002-07-11 Siemens Ag Verfahren zum Vergebühren bei der Datenübertragung, zugehörige Einheiten, Zugehöriges Programm und elektronischer Gutschein
DE10246123A1 (de) * 2002-10-01 2004-04-15 T-Mobile Deutschland Gmbh Verfahren zum Wertausgleich von über das Internet in Anspruch genommenen Leistungen und/oder Diensten zwischen einem Anbieter und einem Nutzer
DE10261235B3 (de) * 2002-12-20 2004-06-17 Arvato Systems Gmbh Gutscheinsortiment und Verfahren für ein Gutscheinsystem

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP1455289A1 (fr) * 2003-03-07 2004-09-08 Koninklijke KPN N.V. Méthode et dispositif pour paiement et livraison par événement

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DE10002881A1 (de) 2000-08-31
AU3143100A (en) 2000-08-01
DE10080076D2 (de) 2001-05-31

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