WO2001050360A2 - Banque virtuelle - Google Patents

Banque virtuelle Download PDF

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Publication number
WO2001050360A2
WO2001050360A2 PCT/DE2000/004030 DE0004030W WO0150360A2 WO 2001050360 A2 WO2001050360 A2 WO 2001050360A2 DE 0004030 W DE0004030 W DE 0004030W WO 0150360 A2 WO0150360 A2 WO 0150360A2
Authority
WO
WIPO (PCT)
Prior art keywords
caller
account
telephone number
bank
computer
Prior art date
Application number
PCT/DE2000/004030
Other languages
German (de)
English (en)
Other versions
WO2001050360A3 (fr
Inventor
Peter Gerard
Original Assignee
Vodafone 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 Vodafone Ag filed Critical Vodafone Ag
Priority to AU23499/01A priority Critical patent/AU2349901A/en
Priority to EP00987137A priority patent/EP1242955A2/fr
Publication of WO2001050360A2 publication Critical patent/WO2001050360A2/fr
Publication of WO2001050360A3 publication Critical patent/WO2001050360A3/fr

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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2207/00—Type of exchange or network, i.e. telephonic medium, in which the telephonic communication takes place
    • H04M2207/18—Type of exchange or network, i.e. telephonic medium, in which the telephonic communication takes place wireless networks
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M3/00—Automatic or semi-automatic exchanges
    • H04M3/38—Graded-service arrangements, i.e. some subscribers prevented from establishing certain connections
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M3/00—Automatic or semi-automatic exchanges
    • H04M3/42—Systems providing special services or facilities to subscribers
    • H04M3/42025—Calling or Called party identification service
    • H04M3/42034—Calling party identification service
    • H04M3/42059—Making use of the calling party identifier

Definitions

  • the invention relates to a method and a device for the automatic identification of an account and / or its holder by means of a dial-in or account transaction initiated by a caller at a bank computer via a telecommunication medium.
  • the object of the present invention is to enable the simplest, most secure, ergonomic, efficient initiation of account transactions as well as eCommerce or tele-commerce transactions.
  • the object is solved by the subject matter of the independent claims.
  • the identification of an account by a telephone number of a caller that is at least partially identical to the account number enables a very reliable assignment of an account number to a caller and / or his identification, avoiding sources of error. Manipulation with high security is also excluded.
  • the telecommunication medium can in particular comprise a mobile radio network.
  • the call can simultaneously trigger a message (for example from the bank) to a seller of a product, who can then, for example, send the product to the caller (physical or non-physical); in this case, data relating to the seller and / or the product is expediently transmitted with the call in order to be able to determine the seller account and / or data relating to the product.
  • the billing can be done in particular via a telephone bill. It can also be automatically sent to a customer for this account (by post, email, internet; cyclically or on request). In particular, this can take place directly between the named bank and the customer without the interposition of another bank. This also avoids administrative effort and the possibility of errors.
  • FIG. 1 shows a block diagram of an example of an account transaction initiated by a mobile radio device via a mobile radio network
  • FIG 3 shows an overview of a virtual marketplace with an electronic bank.
  • FIG. 1 shows a caller 1 who communicates with an electronic bank 5 via a mobile radio terminal (cell phone) 2, a mobile radio telecommunications network 3 and a virtual marketplace 4.
  • the electronic marketplace 4 here comprises a portal which can be accessible via the Internet, mobile radio, cellular Internet (WAP), fixed telephone network, etc. Books, CDs, travel, services etc. can be ordered via the portal of the electronic marketplace 4 and account transactions can be initiated in this regard.
  • the billing 6 and the bank-side processing (clearing) 7 are also carried out using the electronic bank 5.
  • the electronic bank 5 can, for example, be a project of a telecommunications network operator and a conventional bank.
  • Transaction data 8 relating to account transactions initiated are transferred from the marketplace 4 to the electronic bank 5 for execution via the payment application interface of the virtual marketplace 4.
  • the caller 1 initiates an account transaction in the form of a transfer from his account to the account of a book seller via his mobile radio terminal 2 by ordering with his mobile radio terminal 2 via the telecommunications network 3 at the virtual marketplace 4.
  • His telephone number is transmitted automatically by CLIP, which is due to a at least partially
  • Agreement with his account number at the electronic bank allows a very error-prone and tamper-proof identification of the account number.
  • this method is also very practical for caller 1, who does not have to remember his own account number or have to store it somewhere.
  • a code number and / or TAN (transaction number) etc. can be transmitted.
  • the amount of money and the purpose of the transfer are specified, which (also automatically) can trigger the initiation of further processes, such as the identification of the book to be sent by the bookseller, its dispatch, etc.
  • Billing can take place, for example, via a telephone bill. Billing can also be done automatically for this electronic account
  • Bank 5 can be transmitted to the customer periodically or on request without the interposition of another conventional bank.
  • FIG. 2 shows, by way of example, possibilities of an electronic bank according to the invention, which, through cooperation with investment trusts, conventional or electronic banks, stock markets (stock exchanges), can also carry out transfers (for example from the caller's account, etc.) to their accounts.
  • Figure 3 shows an example of a virtual marketplace with an electronic bank.
  • the dial-in can be made using a wide variety of telecommunications media, such as the Internet,

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Engineering & Computer Science (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Strategic Management (AREA)
  • Technology Law (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

Selon l'invention, une identification efficace, non sujette aux erreurs et fiable en termes de manipulation d'un numéro de compte et/ou d'un appelant est possible, par utilisation d'un dispositif et d'un procédé d'identification automatique du numéro de compte d'un appelant et/ou de l'appelant, lorsque ledit appelant (1) entre en communication avec ou effectue une transaction bancaire auprès (d')un ordinateur de banque (5) par l'intermédiaire d'un moyen de télécommunications (3). Le numéro de téléphone de l'appelant (1) est transmis par l'intermédiaire du moyen de télécommunications (2,3). Le numéro de compte de l'appelant (1) et/ou l'appelant sont identifiés sur la base du numéro de téléphone lui correspondant au moins en partie.
PCT/DE2000/004030 1999-12-29 2000-11-14 Banque virtuelle WO2001050360A2 (fr)

Priority Applications (2)

Application Number Priority Date Filing Date Title
AU23499/01A AU2349901A (en) 1999-12-29 2000-11-14 Virtual bank
EP00987137A EP1242955A2 (fr) 1999-12-29 2000-11-14 Banque virtuelle

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
DE1999164080 DE19964080A1 (de) 1999-12-29 1999-12-29 Virtuelle Bank
DE19964080.7 1999-12-29

Publications (2)

Publication Number Publication Date
WO2001050360A2 true WO2001050360A2 (fr) 2001-07-12
WO2001050360A3 WO2001050360A3 (fr) 2002-04-25

Family

ID=7935198

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/DE2000/004030 WO2001050360A2 (fr) 1999-12-29 2000-11-14 Banque virtuelle

Country Status (4)

Country Link
EP (1) EP1242955A2 (fr)
AU (1) AU2349901A (fr)
DE (1) DE19964080A1 (fr)
WO (1) WO2001050360A2 (fr)

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
GB2398910B (en) * 2001-11-29 2005-09-07 Niel Eben Viljoen Method and system for operating a banking service

Families Citing this family (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
DE102004049009A1 (de) * 2004-10-05 2006-04-06 Deutsche Telekom Ag Verfahren und Kommunikationssystem zum Abwickeln eines Zahlungsverkehrs
DE102008011192A1 (de) * 2008-02-26 2009-08-27 Wincor Nixdorf International Gmbh Verfahren und Diensterechner sowie System zur Transaktion eines Geldbetrages
US11037114B2 (en) 2018-03-22 2021-06-15 Diebold Nixdorf, Incorporated System and method for financial transactions
CN109525741B (zh) * 2018-11-15 2020-11-24 西安天钥科技有限公司 数据处理方法、装置和计算机可读存储介质

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1990011661A1 (fr) * 1989-03-23 1990-10-04 Pacific Bell Systeme de commande de marchandises et de services sur catalogue avec securite accrue
WO1996034471A2 (fr) * 1995-04-17 1996-10-31 Katz Aron B Systeme de teleachat protege contre la fraude
WO1998028900A1 (fr) * 1996-12-23 1998-07-02 Swisscom Ag Procede et systeme de transmission de commandes par un reseau de telecommunications
WO1998052151A1 (fr) * 1997-05-15 1998-11-19 Access Security Sweden Ab Transaction electronique
WO1999033034A1 (fr) * 1997-12-23 1999-07-01 Global Mobility Systems, Inc. Systeme et procede de commande de transactions financieres par un reseau de telecommunication

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1990011661A1 (fr) * 1989-03-23 1990-10-04 Pacific Bell Systeme de commande de marchandises et de services sur catalogue avec securite accrue
WO1996034471A2 (fr) * 1995-04-17 1996-10-31 Katz Aron B Systeme de teleachat protege contre la fraude
WO1998028900A1 (fr) * 1996-12-23 1998-07-02 Swisscom Ag Procede et systeme de transmission de commandes par un reseau de telecommunications
WO1998052151A1 (fr) * 1997-05-15 1998-11-19 Access Security Sweden Ab Transaction electronique
WO1999033034A1 (fr) * 1997-12-23 1999-07-01 Global Mobility Systems, Inc. Systeme et procede de commande de transactions financieres par un reseau de telecommunication

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
GB2398910B (en) * 2001-11-29 2005-09-07 Niel Eben Viljoen Method and system for operating a banking service

Also Published As

Publication number Publication date
AU2349901A (en) 2001-07-16
WO2001050360A3 (fr) 2002-04-25
EP1242955A2 (fr) 2002-09-25
DE19964080A1 (de) 2001-12-13

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