EP1218844A2 - Verfahren zur abrechnung von internet-geschäften über mofilfunk - Google Patents
Verfahren zur abrechnung von internet-geschäften über mofilfunkInfo
- Publication number
- EP1218844A2 EP1218844A2 EP00982932A EP00982932A EP1218844A2 EP 1218844 A2 EP1218844 A2 EP 1218844A2 EP 00982932 A EP00982932 A EP 00982932A EP 00982932 A EP00982932 A EP 00982932A EP 1218844 A2 EP1218844 A2 EP 1218844A2
- Authority
- EP
- European Patent Office
- Prior art keywords
- payment
- customer
- mobile radio
- internet
- transactions via
- 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
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
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
-
- 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
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking 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
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/102—Bill distribution or payments
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/12—Payment architectures specially adapted for electronic shopping systems
-
- 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
- G06Q20/30—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
- G06Q20/38—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
-
- 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
- G06Q40/03—Credit; Loans; Processing thereof
-
- 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
- G06Q40/06—Asset management; Financial planning or analysis
Definitions
- the invention relates to a method for billing Internet transactions via mobile radio.
- Methods for billing Internet transactions via an Internet terminal are known from the prior art. Methods previously known on the Internet provide for the holding or loading of customer data in the Internet terminal or at the dealer. However, this is not practical when using mobile radio terminals as an Internet terminal.
- the invention is based on the following object (problem):
- WAP Wireless Application Protocol
- FIG. 1 shows an example of a system architecture according to the invention.
- FIG. 2 shows an example of the course of a payment transaction
- the customer (WAP user) has a WAP-capable mobile radio terminal 1 and has access to the Internet 9 via the mobile radio network 11.
- the retailer has expanded its standard Internet shop software available in the provider server 2 by a WML interface (Wireless Markup Language Interface) which allows the shop pages to be displayed on the WAP-compatible mobile terminal 1.
- the payment gateway 3 holds in a payment database 4 customer data such as credit card, direct debit, mini-payment and address information with reference to the customer's MSISDN.
- the payment gateway 3 can determine the MSISDN belonging to a temporary IP address by querying an MSISDN IP database 5. It also has access to various reference databases 6 for checking customer data.
- the payment gateway 3 can forward credit card and direct debit transactions to a bank network 7. Minipayment transactions are processed via a minipayment account at a minipayment bank 8 specific to a mobile radio operator.
- the mini payment account is managed as a sub-account of a real bank account at a bank.
- Payment gateway 3 and mini payment account 8 are constantly synchronized by database comparison.
- the mini payment account 8 can be prepaid or regulated by direct debit (postpaid).
- the customer has access to the current account balance and current bookings on the minipayment account 8 at any time via the internet 9.
- Debits from the minipayment account 8 to merchant accounts at various banks 10 are collected over a period of time (eg day, week, month).
- the WAP user selects the WML shop side of the server 2 of a dealer via his mobile phone 1.
- the dealer's WML shop page appears on the display of the mobile phone 1.
- the customer marks the goods that he wants to buy and places them in a virtual shopping cart at the dealer's. Finally, he looks at the goods collected in the shopping cart.
- This selection process can e.g. lead to a specific music CD, to a hotel room, cinema tickets for a specific film etc.
- the dealer only sees an IP address temporarily assigned to the mobile subscriber, i.e. the customer is anonymous to him. However, it can infer the GSM network operator from the IP address range.
- the WAP user can check his previous entries and click "Pay".
- the merchant server 2 transmits the transaction data (goods details, purchase prices, purchase amount, a transaction ID (TA-Id), its merchant ID, the payment options it supports and an IP link to the payment gateway) to the mobile phone 2 of the WAP user.
- TA-Id transaction ID
- He also transmits this information directly to the payment gateway 3. He attaches the customer's temporary IP address as customer identification. He can omit the goods information.
- the WAP user checks the information in the shopping cart and starts the payment process by selecting one of the payment options offered. He can also cancel the payment process at this point. If he selects a payment option, the transaction data sent by the merchant (possibly without goods details) are sent to the payment gateway 3. Larger amounts can the entry of a payment PIN is required, which is stored in the payment gateway 3.
- the payment gateway 3 synchronizes the two messages and checks them for agreement. User IP address, TA ID, amount and merchant ID must be identical.
- the payment gateway 3 determines the MSISDN of the WAP user via the user IP address and uses it to search for his customer data. It is determined whether the data for the selected payment option is stored correctly. Reference databases 6 are queried. If the test result is positive, retailers and WAP users will receive a payment confirmation.
- the payment gateway 3 debits the mini payment account 8 online. Credit cards and direct debit orders are later forwarded to the bank network 7 or a system with a connection to the bank network for execution.
- the payment gateway 3 writes an electronic invoice for each transaction carried out at the merchant's expense. These are collected and sent to an accounting system for further processing.
- the WAP user can have the information stored in the payment gateway 3 passed on, or specify a special address for this payment process. This is then passed on to the payment gateway together with the transaction data.
- the payment gateway forwards the special or the pre-configured shipping address to the merchant with the payment confirmation. If no shipping address is required, e.g. With cinema tickets, the customer remains completely anonymous to the retailer.
- the agreement on a payment option such as credit card or direct debit can be simplified by the fact that the merchant must always support at least these two methods and the WAP user at least one of them. If more options are possible, it makes sense that the retailer sends the payment options to the WAP user before Gateway asks and only the payment options it supports
- the customer administers his customer data in the payment database 4 e.g. via an Internet access from the PC, via the WAP device or via a written order.
- the customer sets up his minipayment account 8 with the minipayment bank of the
- the account is usually prepaid unless the
Abstract
Description
Claims
Applications Claiming Priority (3)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
DE19946539 | 1999-09-28 | ||
DE19946539A DE19946539B4 (de) | 1999-09-28 | 1999-09-28 | Verfahren zur Abrechnung von Internet-Geschäften über Mobilfunk |
PCT/DE2000/003420 WO2001025979A2 (de) | 1999-09-28 | 2000-09-28 | Verfahren zur abrechnung von internet-geschäften über mofilfunk |
Publications (1)
Publication Number | Publication Date |
---|---|
EP1218844A2 true EP1218844A2 (de) | 2002-07-03 |
Family
ID=7923637
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
EP00982932A Ceased EP1218844A2 (de) | 1999-09-28 | 2000-09-28 | Verfahren zur abrechnung von internet-geschäften über mofilfunk |
Country Status (5)
Country | Link |
---|---|
US (1) | US7634445B1 (de) |
EP (1) | EP1218844A2 (de) |
AU (1) | AU1991401A (de) |
DE (1) | DE19946539B4 (de) |
WO (1) | WO2001025979A2 (de) |
Families Citing this family (21)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
DE10004730B4 (de) * | 2000-01-28 | 2005-10-13 | Siemens Ag | Verfahren zum Übertragen von Zahlungsinformationen |
DE10109908A1 (de) * | 2001-02-20 | 2002-08-29 | Siemens Ag | Verfahren und Kontoführungssystem zum Abrechnen von erbrachten Leistungen in einem Telekommunikationsnetz |
US20030088511A1 (en) * | 2001-07-05 | 2003-05-08 | Karboulonis Peter Panagiotis | Method and system for access and usage management of a server/client application by a wireless communications appliance |
US7054430B2 (en) | 2001-08-23 | 2006-05-30 | Paymentone Corporation | Method and apparatus to validate a subscriber line |
EP1296259A1 (de) * | 2001-09-25 | 2003-03-26 | GTP Holding S.p.A. | Fortgeschrittenes System zur Verwaltung von elektronischen finanziellen Transaktionen |
AU2002358013A1 (en) * | 2001-11-14 | 2003-05-26 | Encorus Technologies Gmbh | Payment protocol and data transmission method and data transmission device for conducting payment transactions |
EP1313074A3 (de) * | 2001-11-14 | 2003-11-19 | Encorus Technologies GmbH | Datenübertragungsanordnung mit Systemverwaltungsserver und Verfahren zu deren Betrieb |
EP1461897A4 (de) | 2001-12-04 | 2007-05-02 | Conceptm Company Ltd | System und verfahren zur ermöglichung elektronischer finanztransaktionen unter verwendung eines mobiltelekommunikationsgeräts |
FR2843216B1 (fr) * | 2002-07-30 | 2004-11-19 | France Telecom | Procede de telepaiement, systeme et passerelle pour la mise en oeuvre de ce procede, utilisation de ce procede |
DE10235589A1 (de) * | 2002-08-03 | 2004-02-19 | Mobilegames24 | Verfahren sowie System zur Kostenabrechnung |
DE10310527B4 (de) | 2003-03-11 | 2008-11-20 | Christian Hogl | Verfahren zum Initiieren und/oder Durchführen einer Zahlungstransaktion |
AU2003903229A0 (en) * | 2003-06-25 | 2003-07-10 | Ewise Systems Pty Ltd | A system and method for facilitating on-line payment |
SG131807A1 (en) * | 2005-11-04 | 2007-05-28 | Veritas Mobile Solutions Pte L | System and method to facilitate online funds transfer to a mobile phone subscriber |
US20070288322A1 (en) | 2006-05-23 | 2007-12-13 | Toshiba Tec Kabushiki Kaisha | Portable terminal and its programs, settlement apparatus, and merchandising information providing apparatus |
JP4351263B2 (ja) * | 2007-03-05 | 2009-10-28 | 東芝テック株式会社 | 購買取引支援システム及びこのシステムの店舗管理装置 |
DE102007025105A1 (de) * | 2007-05-23 | 2008-11-27 | Neomer Gmbh | Verfahren und Vorrichtung zum Bereitstellen von in einer Datenbank zu einem Gegenstand gespeicherten Informationsdaten |
US10482081B2 (en) * | 2007-06-04 | 2019-11-19 | Bce Inc. | Methods and systems for validating online transactions using location information |
TR201106592T1 (tr) * | 2009-02-03 | 2011-09-21 | Global Payment Sistem Sanayi Ticaret A.�. | Mobil ödeme sistemi ve bunun için bir cihaz |
GB2501229A (en) * | 2012-02-17 | 2013-10-23 | Elendra Raja | A method verifying the authenticity of a data source |
TWI609343B (zh) * | 2012-09-21 | 2017-12-21 | Mobile financial trading system and method | |
EP3286982A4 (de) | 2015-05-11 | 2018-03-14 | One Factor Holdings LLC | Integriertes aktivitätsverwaltungssystem und verfahren zur verwendung davon |
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FI100137B (fi) * | 1994-10-28 | 1997-09-30 | Vazvan Simin | Reaaliaikainen langaton telemaksujärjestelmä |
US5696906A (en) * | 1995-03-09 | 1997-12-09 | Continental Cablevision, Inc. | Telecommunicaion user account management system and method |
US5710887A (en) * | 1995-08-29 | 1998-01-20 | Broadvision | Computer system and method for electronic commerce |
FI102860B (fi) * | 1995-11-07 | 1999-02-26 | Nokia Telecommunications Oy | Menetelmä ja järjestelmä elektronisen maksutapahtuman suorittamiseksi |
US5987140A (en) * | 1996-04-26 | 1999-11-16 | Verifone, Inc. | System, method and article of manufacture for secure network electronic payment and credit collection |
WO1997045814A1 (en) | 1996-05-24 | 1997-12-04 | Behruz Vazvan | Real time system and method for remote purchase payment and remote bill payment transactions and transferring of electronic cash and other required data |
WO1998011519A1 (de) | 1996-09-13 | 1998-03-19 | Siemens Aktiengesellschaft | Bargeldlose bezahlung mit einem mobilfunkgerät |
DE69603971T2 (de) * | 1996-12-13 | 2000-03-30 | Ericsson Telefon Ab L M | Verfahren und System zur Durchführung von Geldtransaktionen |
US6868391B1 (en) * | 1997-04-15 | 2005-03-15 | Telefonaktiebolaget Lm Ericsson (Publ) | Tele/datacommunications payment method and apparatus |
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FI112897B (fi) | 1998-03-03 | 2004-01-30 | Nokia Corp | Menetelmä tiedonsiirtoverkossa ja tiedonsiirtolaite |
FI107979B (fi) | 1998-03-18 | 2001-10-31 | Nokia Mobile Phones Ltd | Järjestelmä ja laite matkaviestinverkon palvelujen hyödyntämiseksi |
DE19844677C2 (de) * | 1998-08-07 | 2001-05-31 | Khaja Ali Hassan Al | Verfahren und Vorrichtung zur drahtlosen elektronischen Abwicklung von Transaktionen |
EP1107196B1 (de) | 1998-08-07 | 2007-03-21 | Ali Hassan Al-Khaja | Elektronisches drahtloses System zur Durchführung von Transaktionen |
US6067529A (en) * | 1998-08-12 | 2000-05-23 | Ericsson Inc. | System and method for sending a short message containing purchase information to a destination terminal |
ES2333070T3 (es) * | 1998-09-10 | 2010-02-16 | Swisscom Ag | Procedimiento para la compra de articulos o servicios mediante un telefono movil. |
US6223215B1 (en) * | 1998-09-22 | 2001-04-24 | Sony Corporation | Tracking a user's purchases on the internet by associating the user with an inbound source and a session identifier |
DE19905054A1 (de) * | 1999-02-08 | 2000-08-17 | Siemens Ag | Verfahren und Anordnung zur Administration eines Zahlungsvorgangs über ein Telekommunikationsnetz |
EP2360635A3 (de) * | 1999-04-30 | 2013-04-10 | PayPal, Inc. | System und Verfahren zum elektronischen Austausch von Werten zwischen verteilten Benutzern |
DE10022973A1 (de) * | 1999-06-15 | 2001-02-08 | Pan Amp Gmbh | Verfahren zur Abwicklung von Geldgeschäften über elektronische Übertragungsmedien |
DE19938201A1 (de) * | 1999-08-12 | 2001-02-22 | Mannesmann Ag | SMS-e-commerce |
EP1081919B1 (de) * | 1999-09-06 | 2007-02-14 | GEBIT Gesellschaft für EDV-Beratung und Informatik-Technologien mbH | Verfahren zur Autorisierung in Datenübertragungssystemen zur Bezahlung von über das Internet angebotenen Waren und/oder Dienstleistungen |
US20020065736A1 (en) * | 2000-05-23 | 2002-05-30 | David Willner | Electronic procurement system |
-
1999
- 1999-09-28 DE DE19946539A patent/DE19946539B4/de not_active Expired - Fee Related
-
2000
- 2000-09-28 US US10/089,580 patent/US7634445B1/en not_active Expired - Fee Related
- 2000-09-28 AU AU19914/01A patent/AU1991401A/en not_active Abandoned
- 2000-09-28 EP EP00982932A patent/EP1218844A2/de not_active Ceased
- 2000-09-28 WO PCT/DE2000/003420 patent/WO2001025979A2/de not_active Application Discontinuation
Non-Patent Citations (1)
Title |
---|
See references of WO0125979A2 * |
Also Published As
Publication number | Publication date |
---|---|
US7634445B1 (en) | 2009-12-15 |
DE19946539A1 (de) | 2001-04-19 |
AU1991401A (en) | 2001-05-10 |
WO2001025979A2 (de) | 2001-04-12 |
DE19946539B4 (de) | 2010-04-29 |
WO2001025979A3 (de) | 2002-05-02 |
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Inventor name: LANGER, MICHAEL Inventor name: FEUSER, ULRIKE Inventor name: SCHMICKLER, LEONHARD Inventor name: REINDL, JOHANN Inventor name: LJUNGSTROEM, PATRIK Inventor name: MICHEL, UWE Inventor name: MOHRS, WALTER |
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