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EP1602088A2 - Procede et systeme pour initier et/ou realiser une transaction en relation avec au moins deux declarations de volonte qui correspondent - Google Patents

Procede et systeme pour initier et/ou realiser une transaction en relation avec au moins deux declarations de volonte qui correspondent

Info

Publication number
EP1602088A2
EP1602088A2 EP04719443A EP04719443A EP1602088A2 EP 1602088 A2 EP1602088 A2 EP 1602088A2 EP 04719443 A EP04719443 A EP 04719443A EP 04719443 A EP04719443 A EP 04719443A EP 1602088 A2 EP1602088 A2 EP 1602088A2
Authority
EP
European Patent Office
Prior art keywords
transaction
data
payment
instance
entity
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.)
Withdrawn
Application number
EP04719443A
Other languages
German (de)
English (en)
Inventor
Christian Hogl
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.)
Hogl Christian
Original Assignee
Individual
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 Individual filed Critical Individual
Publication of EP1602088A2 publication Critical patent/EP1602088A2/fr
Withdrawn legal-status Critical Current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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/405—Establishing or using transaction specific rules
    • 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
    • G06Q20/04—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
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    • 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
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/105—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems involving programming of a portable memory device, e.g. IC cards, "electronic purses"
    • 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
    • G06Q20/108—Remote banking, e.g. home banking
    • G06Q20/1085—Remote banking, e.g. home banking involving automatic teller machines [ATMs]
    • G—PHYSICS
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    • 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
    • G06Q20/22—Payment schemes or models
    • G06Q20/223—Payment schemes or models based on the use of peer-to-peer networks
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3223—Realising banking transactions through M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3227—Aspects of commerce using mobile devices [M-devices] using secure elements embedded in M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3229—Use of the SIM of a M-device as secure element
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • 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
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • G06Q20/3674—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes involving authentication
    • 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
    • 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
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • 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
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G06Q30/0213—Consumer transaction fees
    • 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
    • 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
    • G06Q50/00—Information and communication technology [ICT] specially adapted for implementation of business processes of specific business sectors, e.g. utilities or tourism
    • G06Q50/10—Services
    • G06Q50/26—Government or public services
    • G06Q50/265—Personal security, identity or safety

Definitions

  • the present invention relates to a method and a system for initiating and / or executing a transaction related to at least two corresponding declarations of intent, in particular a payment transaction, between at least two transaction parties via a settlement instance, in which at least one of the transaction parties uses a landline telephone or a mobile phone or a Mobile communication device used to transmit data.
  • Payment transactions are the primary area of application of the present invention due to their frequency and economic importance.
  • Standard-compatible processes of type A refer to those methods which can be used within the entire current "installed base” of mobile telephones (ie with all or the majority of the mobile telephones / SIM module chip cards which are widespread according to the prior art), without the need for an exchange or technical modification of the mobile phones or the SIM module chip cards.
  • Force-looking type B processes refers to processes that can only be used with special mobile phones or SIM modules (generally newer types), which are only available on the market in small numbers or only in the future will come.
  • the data exchange of at least one transaction party usually takes place via protocols or processes such as WAP (Wireless Application Protocol) or i-Mode (predominantly used in Japan) as well as locally on the mobile phones or the SIM module.
  • WAP Wireless Application Protocol
  • i-Mode randominantly used in Japan
  • Java or SIM application toolkit applications designed for chip cards with data being exchanged, for example, via GPRS (GSM Packet Radio Service).
  • GSM Packet Radio Service GSM Packet Radio Service
  • Another disadvantage of the forward-looking type B method is that it can generally only be used in mobile radio networks with a certain standard (such as GSM) and not with simple landline telephones.
  • the data exchange of at least one transaction party generally takes place via a standing telephone connection with voice announcements (for example through an IVR system (Interactive Voice Response)) and DTMF tone transmission (Dual Tone Multi Frequency) or via SMS (Short Message System).
  • voice announcements for example through an IVR system (Interactive Voice Response)
  • DTMF tone transmission Dual Tone Multi Frequency
  • SMS Short Message System
  • these procedures involve the transmission of the complete mobile phone number (ANI or MSISDN) or a unique alias from the payer or recipient to the recipient or payer, and the transmission of a permanently valid PIN code from the payer to a processing authority Authorization and, if applicable, the transmission of once-valid TAN codes as authorization or proof of payment from the processing authority to the payer and from the payer to the recipient.
  • ANI or MSISDN complete mobile phone number
  • MSISDN mobile phone number
  • TAN codes a permanently valid PIN code from the payer to a processing authority
  • Paybox method is known as the second embodiment of DE 19903822. This procedure should be briefly described as an example of a standard-compatible type A procedure:
  • the payer (hereinafter referred to as Z) first transmits his mobile phone number (ANI or MSISDN) or an alias clearly assigned to the mobile phone number to the recipient (E).
  • E then implicitly transmits his own cell phone number to the processing authority (AI) by calling his cell phone and explicitly the cell phone number of Z, as well as the amount to be paid, via DTMF tone transmission.
  • the telephone connection from E to AI remains until the last step).
  • the settlement authority checks whether Z is an approved participant and whether Z's creditworthiness is sufficient to pay the amount.
  • the AI then initiates a call to the cell phone number from Z. Z accepts the call.
  • An AI voice computer generates an acoustic announcement of the payment information (recipient, payment amount).
  • Z enters a PIN code via DTMF tone transmission.
  • the AI sends an acoustic confirmation of the payment to E via the still existing telephone connection.
  • the main disadvantage of the Paybox process is the high telecommunication costs and the long processing time.
  • the call from E to the AI and the transmission of the data takes about 30 seconds.
  • Calling the AI to Z afterwards including announcing the payment information and querying the authorization PIN, also takes about the same length of time.
  • the second call the first call remains connected.
  • telecommunications costs for 90 seconds of mobile phone connections arise. Provided that the processing takes place via a free phone number and the operator of the AI bears the telecommunication costs, according to the state of the art this will result in costs of approx
  • the transaction takes a total of approx. 75 seconds.
  • the time restriction also exists when using an alternative transmission method such as SMS.
  • the delivery speed of an SMS is not secured and is often more than 30 seconds, in some cases significantly longer.
  • certain future-dependent type B processes e.g. use of the WAP protocol - the duration of the connection establishment, navigation and data entry are too long for use in time-critical mobile commerce scenarios.
  • Another disadvantage of the above-mentioned standard-compatible type A methods is the fact that, as a rule, the full cell phone number of the payer or of the recipient must be disclosed to the recipient or payer.
  • the use of a call number alias (such as in the paybox procedure) provides partial anonymity with regard to the subscriber's actual mobile phone number, but a fundamentally clear identity of a transaction party is known to the other transaction party.
  • Another disadvantage of using the complete mobile phone number or the call number alias is its length (usually 12 digits) and the associated longer input and transmission time and the probability of incorrect entries.
  • Another disadvantage of the aforementioned standard-compatible type A procedures is the low level of evidence or the risk of disputability for the payer, recipient and operator of the processing authority.
  • One way of increasing this security of evidence is to involve a "Trusted Third Party", ie an additional party recognized by the payer, recipient and operator of the settlement authority.
  • the telecommunications provider in particular can be considered as such an additional party.
  • Another disadvantage of the aforementioned standard-compatible type A processes is that an error about the authorized amount is easily possible. This risk arises from the fact that the amount is usually only actively stated by one of the transaction parties and only passively confirmed by the other transaction party, e.g. after being shown on the mobile phone display or after an acoustic announcement of the amount.
  • DE 19946 539 A1 discloses a method for billing Internet transactions via mobile radio.
  • the assignment of merchant and customer in a payment gateway is established via a temporary IP address of the customer's mobile phone. This IP address is transferred from the customer as well as from the merchant to the payment gateway.
  • a disadvantage of this method is that the temporary IP address of the mobile radio subscriber has to be compared to his MSISDN via an MSISDN IP database, which makes the use of the method more difficult or impossible for a payment gateway provider independent of the mobile radio operator.
  • Another disadvantage of this method is that the customer must have a WAP-compatible mobile radio device, so it is disadvantageously a "future-dependent method of type B" (see above).
  • this method has the disadvantage that a relatively large data record, namely the temporary IP address of a mobile subscriber, has to be transmitted for the assignment of retailers and customers Assignment of the IP addresses arriving at the payment gateway is complex, since a very large number of IP addresses may have to be compared for this.
  • EP 1 081 919 A1 discloses a method for authorizing the payment of goods offered on the Inlernet.
  • the assignment of customer and provider takes place in an authorization comparator by means of a transaction code that has been generated by the provider and transmitted to the customer.
  • this has the disadvantage that handling transaction codes, which can be changed for both transaction parties in each transaction, is inherently complex.
  • the total triple transmission of the transaction code (from the provider to the authorization comparator, from the provider to the customer and from the customer to the authorization comparator) is very susceptible to errors.
  • At least two of the transaction parties transmit data to the processing instance, the transmission of the data taking place within a limited time window (time interval).
  • the initiation of the data transmission of these transaction parties is carried out actively by the transaction parties and not by the processing authority, the data transmitted during the initiation containing features that enable the declarations of intent to be assigned to one another.
  • the feature of the initiation of the data transmission by the transaction parties means that before the first transmission of transaction-relevant data from the transaction parties to the settlement entity, no transaction-relevant data is transmitted from the settlement entity to the transaction parties.
  • An instance is understood in the sense of the present invention in particular to mean a technical device, such as. B. a data processing device.
  • Application programs which automatically carry out the steps of the method can be stored on this device.
  • the settlement authority is also referred to below as a computer system.
  • Fixed-line telephones, mobile telephones and / or communication devices are provided on the part of the transaction parties for data transmission.
  • data which correspond to the declaration of intent are entered into these devices.
  • the remaining data which e.g. B. identify the transaction parties, can be stored in the devices and automatically transferred to the settlement authority.
  • the method according to the invention serves to initiate and / or carry out a transaction which is related to at least two corresponding declarations of intent.
  • the declarations of intent can be aimed in particular at the conclusion of a contract.
  • the transaction to be initiated or carried out in this case is then the execution of the contract.
  • a separate conventional credit card payment may be the subject of the declaration of intent and / or the conclusion of the contract.
  • the data is transmitted simultaneously or within a limited time window (time interval).
  • time interval time window
  • a sequential data transfer is usually carried out, for a payment transaction, for example, first from the payer to the recipient, then from the recipient to the processing authority, then from the processing authority to the payer, then from the payer to the processing authority and from there to the recipient again.
  • the simultaneous or timely and actively initiated data transmission from the transaction parties towards the processing instance also means that only a few characteristic data have to be transmitted in order to enable the declarations of intent and thus the transaction parties to be assigned to one another. Because the narrow time window limits the size of the pool of transactions that can be assigned to each other. The reduced amount of data on the one hand further simplifies and speeds up processing, and on the other hand enables the anonymity of the transaction parties with one another.
  • the simultaneous or timely data transmission further increases security against deniability, since in contrast to methods in which a transaction can be initiated or triggered by one party, the active and simultaneous participation of two transaction parties is required. This also increases the security against accidental triggering or accidental double triggering of a transaction.
  • the time interval for the transmission of the data depends on the transaction and the devices used for this as well as the number of data arriving at the processing instance per unit of time.
  • the duration of the time interval can be, for example, 5 minutes, but is preferably less. If the transaction is initiated via two mobile phones, the time interval is e.g. B. in a range between 10 sec. And 30 sec, preferably 20 sec.
  • the data is advantageously transmitted to at least one of the transaction parties by initiating a telephone call to the processing instance.
  • Initiation of a telephone call is understood here on the one hand to mean that the data transfer originates from the transaction parties and not from the processing authority.
  • various data such as the identifier of the caller and the identifier of the called party, as well as additional features such as suffix digits, can be transmitted.
  • a paid connection is usually only made when the call is from the called party is accepted. When the call is initiated, it can be accepted, but this is not absolutely necessary.
  • the transmission of at least part of the data transmitted by at least one of the transaction parties takes place by means of the telephone number sequence chosen for processing a telephone call.
  • the sequence of telephone numbers is preferably so short that it can be completely transmitted by the switching centers and / or transmission systems.
  • the implicit transmission of the relevant data as part of the phone number has the advantage of security, speed and ease of use.
  • the triggering of a payment transaction is in fact as simple as dialing a telephone number, while the security functions implemented in mobile phones, which prevent unintentional or unauthorized dialing, also protect the payment function.
  • this configuration has the advantage that the individual connection proof of the telecommunication provider can serve as proof of payment and document and that the payment transaction can be very easily integrated into the billing systems of the telecommunication provider.
  • Another advantage of data transmission as part of the phone number is that - in contrast to DTMF tone transmission - visual control (before sending the data) is possible via the display of the mobile phone. Furthermore, this type of transmission is much less prone to errors than DTMF tones, which often lead to problems with poor radio connections. Nevertheless, any other transmission methods are conceivable for the transmission of data both from the transaction parties to the settlement entity and from the settlement entity to the transaction parties, the scope of this invention including these. These transmission methods can be used in whole or in part as an alternative or in addition to the methods described above.
  • the amount, a PIN, a customer number, a payment allocation reference code or other information can be transmitted via one or more alternative methods.
  • the data transmitted by one transaction party are just sufficient to enable identification of this transaction party, but not sufficient to enable identification of the other transaction party.
  • the data transmitted by the transaction parties to the processing instance are related to one another in accordance with a specific rule.
  • party A only discloses to party B only the last n digits of its mobile number, ie. h only part of the number.
  • Party B now transmits its own mobile phone number and the said n digits to the processing entity, at the same time party A only transmits its own mobile phone number to the processing entity. Due to the narrow time window, the pool of transactions to be assigned to one another is so small that the n digits are sufficient for the assignment.
  • n digits that party B transmits are not sufficient to identify party A; furthermore, the n digits are related to party A's mobile phone number according to a certain rule).
  • the procedure can also work in such a way that both parties A and B disclose to each other, for example, the last n or m digits of their respective cell phone numbers.
  • party A In the Paybox procedure explained above, which does not work with simultaneous transmission, party A must disclose to party B the complete mobile phone number or a unique alias in order to enable unique addressing.
  • the transaction parties are clearly identified vis-à-vis the settlement authority, which opens up the basic possibility of mediating between them in the event of a dispute and with the consent of the transaction parties or establishing a connection between them.
  • the data transmitted by the transaction parties to the processing instance contain the essential part of the contents of the respective declarations of intent and / or a digital print (digest, hash value) of the contents of the respective declarations of intent and / or a clear one Reference to the content of the respective declarations of intent, if applicable, recorded elsewhere.
  • a checking entity which comprises or can be connected to the processing instance, checks whether an assignment of the transaction parties is possible on the basis of the transmitted data. In the case of a payment transaction, this also checks whether the respective declarations of intent correspond.
  • the data transmission from the transaction parties to the settlement island is carried out via mobile telephones, and information about the locations of the mobile telephones is also transmitted during the data transmission.
  • This information is used as an additional assignment criterion.
  • This training is advantageous in application scenarios in which there is spatial proximity between the payer and the recipient.
  • information about the location of the transaction parties can be used as an additional criterion in order to facilitate an assignment of the transaction parties via the data records in the transaction pool.
  • location dependent services describes methods in which the location information can be transmitted and evaluated by mobile phone users.
  • the processing agency can request the input of additional features, e.g. through an IVR (Interactive Voice Response) system, ask the payer to enter the last four digits of the recipient's cell phone number.
  • IVR Interactive Voice Response
  • a transaction entity which can be comprised by or connected to the settlement entity.
  • This transaction instance checks whether it is possible to carry out the payment transaction. If the check is positive, the transaction is carried out.
  • the transaction to be initiated or carried out further includes at least the documentation of the conclusion of the contract, i.e. z. B. saving the data related to the transaction.
  • a telephone connection is established between the two transaction parties (provided that both transaction parties use a landline telephone or mobile phone). This variant is particularly useful if e.g. a payment transaction for a telephone consultation or the like is carried out and the service is provided directly via the telephone connection established. In the event that e.g.
  • a payment transaction is to take place using the mobile phones, the procedure has to be modified in such a way that the payment amount and the last four digits of the payer's mobile phone number are transmitted via DTMF tones within the connection sent by the transaction parties.
  • the DTMF tones could be filtered out by the switching system and forwarded to the settlement entity, or a temporary low-tone connection between the transaction parties and the settlement entity could be initiated.
  • a signaling entity which can be comprised by the processing entity or can be connected to it. If the test body fails the test, it passes it to both Parties an error message. This can be done, for example, by accepting the calls and making an acoustic announcement.
  • the signaling triggered by the signaling entity or via the data transmitted by the signaling entity can in particular allow the transaction parties to draw conclusions as to the status of the execution of transactions by the transaction entity (and the result of the checking entity).
  • the signaling entity transmits data to at least one of the transaction parties after the transaction has been carried out, which signals that the transaction has been carried out.
  • This signaling is advantageously implemented as follows:
  • both calls can be accepted by the processing center as soon as a final status is reached (i.e. an error has occurred or all preparatory check steps have been completed before the payment is made). If there is an error, there is a short announcement with the reason for the error (e.g. "Single amount limit exceeded” or "No corresponding payee is present") and the hang-up entity immediately hangs up. If the payment can be carried out, a longer announcement is made (eg "Payment of EUR 23.50 is now”), followed by an acoustic signal and then an optional account balance announcement.
  • This configuration has the following advantage: Unsuccessful transactions always lead to Connection times of, for example, 5 seconds or shorter, only successful transactions lead to connection times of, for example, 10 seconds or longer.
  • Embodiments of the method are also possible, in which the signaling generally takes place in that the signaling instance initiates a call back to at least one of the transaction parties.
  • This variant has the advantage that documents for the transactions carried out are also recorded in the individual connection records of the operator of the signaling instance or processing instance.
  • This variant using a callback can in turn be designed in such a way that time intervals of different lengths lie between the transition of different call setup signals and / or call release signals. For example, the callback can take place after 10 seconds for a successful transaction, after 20 seconds for an unsuccessful transaction, or the callback can take place immediately in both cases, and in the case of a successful transaction, a longer announcement (before hanging up by the signaling or processing authority) than in the case of an unsuccessful transaction.
  • ANI special caller number
  • the variant can advantageously be designed using a callback and, if necessary, using a special caller number such that the callbacks originating from the processing entity are only signaled in the telecommunications devices of the transaction parties, but are not accepted by them.
  • the advantage of this configuration is that theoretically no telecommunication costs arise at all.
  • the transmission of the acoustic signal or the signaling described above is carried out exactly synchronously to both transaction parties and additionally in particular exactly at the moment when the actual payment process takes place logically (expressed in IT terminology: the moment in which the transaction is committed, which is the actual payment transaction).
  • IT terminology the moment in which the transaction is committed, which is the actual payment transaction.
  • connection duration of a successful transaction is longer than that of an unsuccessful transaction has the advantage that hanging up a transaction partner prematurely means that the transaction is terminated and the "commit" of the actual payment transaction is not carried out
  • the above-described effect on the individual connection records is ruled out by hanging up early (such manipulation would be possible if long connection times were an indicator of unsuccessful and short connection times an indicator of successful transactions.)
  • the signaling is carried out by the call by lifting the settlement instance is accepted or is not accepted by signaling a dial tone or a busy signal or another signal is signaled or that there are different time intervals between the transition of different call setup signals and / or call reduction signals.
  • the method could work in such a way that, in the case of a successful transaction, a three-digit dial tone signal is generated before a busy signal occurs, whereas in the case of an unsuccessful transaction, a busy signal already occurs after a dial tone signal.
  • a three-digit dial tone signal is generated before a busy signal occurs, whereas in the case of an unsuccessful transaction, a busy signal already occurs after a dial tone signal.
  • the method could also work, for example, in such a way that the signaling alternatively to or combined with dial tone or busy signals via other toll-free announcements, e.g. "No connection under this number” or special new toll-free announcements to be introduced.
  • the probability of complaints and the general risk of misuse can be reduced in all accounting variants by combining information about past transactions with the signaling of the transaction success to the transaction parties. This means, for example, that after each transaction a brief announcement of the credit of the "Stored Value Account” or the sum of the individual transactions aggregated since the last settlement can be made. In addition, security is increased by announcing the date and amount of the last previous transaction ,
  • the transmission of the data and / or signaling could be wholly or partly by multi-frequency tones ( ⁇ TMF) and / or IVR systems (Interative Voice Response) and / or via speech recognition systems and / or by voice and / or via SMS text messages and / or via the USSD protocol (Unstructured Supplementary Services Data) and / or via the WAP protocol (Wireless Application Protocol) and / or via the GPRS protocol (GSM Packet Radio Service) of the GSM standard and / or a comparable protocol of another mobile radio standard and / or using the i-mode protocol and / or using a Java and / or SIM application toolkit application and / or using the Use of a Bluetooth interface and / or an infrared interface.
  • ⁇ TMF multi-frequency tones
  • IVR systems Interative Voice Response
  • speech recognition systems and / or by voice and / or via SMS text messages and / or via the USSD protocol (Unstructured Supplementary Services Data) and / or via the WAP protocol (Wire
  • a disadvantage of using DTMF tones, IVR systems, speech recognition systems, voice and SMS messages is the longer processing time compared to data transmission as part of the number of a telephone call.
  • Disadvantages of using the USSD protocol are the inconsistent implementation of status messages in various end devices and the fact that USSD (in the USSD Stage 2 variant) is not used by all mobile network operators is supported as well as the fact that an implementation by a provider independent of the mobile network operator is not easily possible.
  • a disadvantage of the use of WAP, GPRS, i-Mode, Java, SIM application toolkit and similar processes is that - provided there is no end device exchange and, if necessary, a change in the mobile network operator or a change in tariff - it is based on the status technology can only be used by a relatively small or very small number of mobile phone users.
  • cüi ⁇ can transmit the data and / or signaling in whole or in part via a computer network and / or via the Internet and / or by email and / or by calling up a web service and / or by using the HTTP and / or XML protocol and / or using a Bluetooth interface and / or an infrared interface and / or a wireless LAN and / or using a digital or analog modem and / or using another transfer procedure.
  • the method according to the invention relates in particular to payment transactions.
  • the declarations of intent are generally directed at least to the execution of a payment transaction relating to monetary or value units.
  • Value units can e.g. or in particular bonus points in discount systems, "status miles" or the like.
  • bonus points or the like can also be booked in parallel with payment transactions relating to monetary units.
  • the transaction consists at least in initiating or carrying out a payment transaction relating to money or value units.
  • the transaction entity then processes The transaction transaction can be further processed by the transaction instance by means of authentication and / or aggregation and / or forwarded to other processing instances online or offline at the same time or with a delay.
  • individual transactions can be collected on the part of the payer or recipient and will only be debited or credited to a bank account or credit card as a total monthly amount. In this case, the collective orders will be sent to banks or Credit card companies forwarded as further processing instances. Alternatively, individual transactions (especially for larger amounts) can also be forwarded to credit card companies for online authorization.
  • the transmitted data in the case of a payment transaction, contain the amount of money or value units to be paid.
  • the probability of errors is reduced and the reliability of detection is increased.
  • the amount is usually only activated by one of the transaction parties specified and only passively confirmed by the other transaction party, for example after being shown on the mobile phone display or after an acoustic announcement of the amount. This makes it easy to make a mistake about the authorized amount. For example, with the Paybox method it can occur that the amount announced only acoustically is not understandable or is incorrectly understandable due to a bad radio connection or loud ambient noise.
  • a payment assignment reference code is additionally transmitted, which enables or facilitates the clear assignment of the transaction parties.
  • the payment amount could not be transmitted in plain text, but rather as an encrypted sequence of digits and / or a check digit or check digit sequence could be added.
  • the payment amount is determined by actively entering the amount and not by passive confirmation of a displayed or announced amount. This advantageously leads to a reduction in the probability of error.
  • additional features to be queried which enable the transaction to be recorded or sub-grouped separately, e.g. with an announcement such as "Press 1 for a private payment, 2 for a business payment".
  • additional authorization features can also be queried using other methods, e.g. biometric procedures such as voice comparisons (voice sampling) are carried out.
  • Criteria can automatically transfer small amounts directly against a “Stored Value
  • a different type of signaling and confirmation of the transaction depending on the amount. For example, in the case of higher amounts after the transaction has been completed, an SMS will be sent to confirm.
  • the transaction parties comprise a payer or a telephone of the payer and a payee or a telephone of the payee.
  • the steps are carried out so that: a) the payer initiates a telephone call to the processing entity, the telephone number dialed in this case containing a sequence of digits which corresponds to the payment amount, b) the payee transmits data to the processing entity simultaneously or promptly when the payer calls, which contain the payment amount, c) a reviewing body checks whether the data transmitted by the payer and the payee can be clearly assigned to each other and at least the payment amounts contained match, d) a transaction instance checks whether the transmitted data can be used to identify and / or legitimize the payer and The recipient of the payment is possible and / or whether the processing of the payment transaction is possible e1) if the checking authority and the transaction instance are positive, the transaction instance carries out or initiates further processing, - the call of the payer is accepted by a signaling authority and, if applicable,
  • the steps are carried out so that: a) the data of the payee to the processing institution is also carried out by the fact that the payee initiates a telephone call to the processing institution, the telephone number dialed in this case containing a sequence of digits which corresponds to the The amount of the payment corresponds to b1) in the event of a positive test of the test authority and transaction authority after the
  • the confirmation signal is transmitted to the payee by also calling the payee from the
  • the settlement instance or the transaction instance are advantageously included or operated by a telecommunications provider.
  • One advantage of the above-described configuration of the method is that the payment processes can be very easily integrated into the billing systems of the telephone or mobile radio providers. The processing of the payment transactions advantageously takes place together with the billing of the telecommunication services.
  • the method according to the invention also has the advantage that an individual connection proof of the telephone or mobile telephone bill of the telecommunications provider can serve directly as proof of payment and proof without further modification. This leads to a reduction in costs, since there is no need to create and send a separate invoice. An entry for an outgoing call to telephone number "0800-55555-2350-4567" of 11 seconds in length could therefore serve as proof of a received payment in the amount of EUR 23.50.
  • Advantageous in the property according to the invention that is, both transaction parties make a call to the processing authority initiate is that a document exists for each of the transaction parties. Please note that calls to free numbers that begin with 0800, for example, are usually not recorded in the caller's individual connection record.
  • an announcement or other signaling and / or a PIN query or another query to confirm the transaction is carried out before the transaction is carried out.
  • the feedback of the signaling entity about the transaction carried out can preferably be secured against misuse by the fact that a clear booking reference code or a cryptographically signed confirmation message, e.g. is sent by email or SMS.
  • the method could e.g. can also be implemented in such a way that the call is accepted by the processing instance by lifting off only in the event of a successful transaction and a dial tone and / or busy signal is signaled in the event of an unsuccessful transaction.
  • This variant would have the advantage that transactions generally (and only) lead to entries in itemized records if they are successful.
  • the signaling instance could advantageously be called back to one or all of the transaction parties combined with an acoustic announcement of the cause of the error.
  • the cause of the error can e.g. be sent by SMS.
  • the system according to the invention for initiating and / or executing a transaction related to at least two corresponding declarations of intent, in particular a payment transaction comprises a first communication device that is assigned to a first transaction party, a second communication device that is assigned to a second transaction party, and a settlement administration with which data can be received from the communication devices.
  • the settlement body includes a review body or is linked to a review body. It can be used to check whether an assignment of the transaction parties is possible on the basis of data transmitted by the communication devices within a limited time window.
  • a computer system for initiating and / or executing a payment transaction is provided.
  • the computer system relates in particular to an embodiment of the processing entity mentioned above.
  • the computer system includes an input for receiving data from a first and a second communication device, the data containing features that allow an assignment of two corresponding declarations of intent.
  • a transaction pool memory is connected to the input, which temporarily stores incoming data within a time interval.
  • a test instance is connected to the transaction pool memory, with which the data stored in the transaction pool memory can be analyzed in such a way that at least identifiers of the first and second communication devices and an amount to be paid can be obtained and whether an assignment of the transaction parties can be checked on the basis of the transmitted data is possible and whether the respective declarations of intent correspond.
  • a transaction instance is connected to the verifier, with which, if the verification is positive, the data obtained in the verifier can be converted into payment instruction data. Finally, an exit is connected to the transaction instance, via which the payment instruction data can be transmitted to a payment processing instance.
  • a signaling instance is connected to the transaction instance and the output, with which, depending on the checking of the checking entity and / or on the transmission of the payment instruction data, signaling about the initiation and / or execution of the payment transaction to at least one communication device or are transferable to other recipients.
  • the transaction instance can also comprise an account management instance or be directly connected to an account management instance. If the billing e.g. Via a "Stored Value Account", i.e. a prepaid credit takes place, the "Settlement", i.e. the execution of the payment process can be carried out particularly efficiently, quickly and risk-free, since no communication connection to an external processing entity is necessary, no extensive transaction histories have to be managed and a credit, collection and charge-back risk is excluded.
  • the communication devices are, in particular, a landline telephone and / or a cell phone.
  • the invention comprises a computer program with program code means to carry out all the steps of the above-mentioned embodiments of the method according to the invention when the program is executed on a computer.
  • the invention encompasses a computer program product with program code means, which are stored on a computer-readable data carrier, for the various To implement configurations of the above-mentioned method when the program product is executed on a computer.
  • FIG. 1 shows a graph to explain the first exemplary embodiment of the method according to the invention
  • the transaction parties comprise a payer 1 (or a communication device of the payer) and a payee 2 (or a communication device of the payee).
  • the payer 1 initiates a telephone call 5 to the processing instance 3.
  • the telephone number dialed in this case contains a sequence of digits 7 which corresponds to the payment amount.
  • the payee 2 transmits data to the processing instance 3 which contain the payment amount 7.
  • the time interval is in a range between 10 sec. And 30 sec. B. 20 sec.
  • the payee 2 transmits a payment assignment reference code 8 to the processing instance 3, which is formed according to a certain rule from the number 12 of the payer 1 (e.g.
  • a test authority 9 checks whether the data transmitted by payer 1 and payee 2 can be clearly assigned to one another and at least the payment amounts 7 contained match.
  • a transaction instance 10 checks whether an identification and / or legitimation of the payer 1 and the payee 2 is possible on the basis of the transmitted data and / or whether the processing of the payment process is possible.
  • the transaction instance 10 checks in the next step whether it is possible to carry out the payment. This depends in particular on the amount and the creditworthiness of the payer. If, for example, the current payment amount or an aggregate sum of payment amounts exceeds a limit (which depends, for example, on the creditworthiness of the payer), the transaction entity 10 can reject the execution or further processing of the payment transaction or carry out an additional legitimation check by requesting a further authorization feature (e.g.
  • the transaction entity 10 can request a further confirmation (also, for example, by simply pressing a button and transmitting a DTMF tone) before the execution of the transaction under certain conditions, for example from a certain amount. Furthermore, it is also possible, for example, that under certain conditions, such as, for example, from a certain amount before the transaction is carried out, the amount is explicitly announced again and the confirmation is then requested.
  • test entity 9 and the transaction entity 10 test positive, the transaction entity 10 carries out the further processing of the payment or initiates (or initiates) the payment.
  • the call from the payer 1 is accepted by the signaling instance 11 and, if necessary, an acoustic announcement is made, which shows that the payment has been made.
  • a confirmation signal about the payment made is transmitted to the payee 2.
  • the call of the payer 1 will not be accepted by the processing instance 3 or will be accepted with a delay and / or an acoustic announcement will be made, which indicates that the payment has not been made.
  • the transmission of the data of the payee 2 to the processing instance 3 also takes place in that the payee makes a telephone call 6 to the
  • Call 6 of the payee is accepted by the signaling instance 11 and, if necessary, an acoustic announcement is made, which shows that the payment has been made.
  • Payee 2 is not accepted or accepted with a delay and / or an acoustic announcement is made, from which it follows that the payment has not been made.
  • the execution of a payment transaction is to be explained using a detailed example:
  • Party A (1) with a mobile phone with the mobile phone number 0171-1234567 (12) would like to give party B (2) with a mobile phone with the mobile phone number 0171-9876543 (13) an amount of EUR 23.50 (7) numbers.
  • party A gives party B the last four digits of its mobile number (8), ie “4567” with (4).
  • A dials the number 0800-55555-2350 with its mobile phone (5).
  • B dials almost the same line on his mobile phone to 0800-55555-2350-4567 (6). If the payment is successful, the calls are accepted and A and B receive a short acoustic announcement "Payment has been made".
  • the method can also be designed in such a way that the payer does not disclose the last four digits of his mobile phone number to the payee and the payee transmits these - as part of the phone number - to the processing authority, but vice versa, i.e. that the payee discloses the last four digits of his mobile phone number to the payer and that the payer transmits these - as part of the phone number - to the processing authority.
  • Both variants can also be combined, i.e. the payer and the payee disclose the last two digits of their respective mobile phone numbers to each other and transmit the two digits received from the other party - as part of the phone number - to the processing authority.
  • Settlement instance 3 can be reached on the head number 0800-55555.
  • the incoming calls are registered by the processing instance 3.
  • the mobile phone numbers 12 and 13 of the callers (MSISDN or ANI) are automatically transmitted.
  • the significant portions "2350" (7) and "23504567” (T and 8 ') are extracted from the dialed numbers (DNIS).
  • the transaction records are assigned to a transaction pool Transactions discontinued.
  • the data records are deleted again from the transaction pool for which no other data record to be assigned was / is found within the time interval, that is to say for example within 20 seconds.
  • the checking entity 9 which includes the processing instance 3 or can be connected to it, checks whether an assignment of the transaction parties 1 and 2 is possible on the basis of the transmitted data. In the current example of the payment transaction, this also results in a check as to whether the respective declarations of intent correspond. This is done by comparing the data records in the transaction pool to match the “amount” and “short transmitter identifier” fields (7 and 8 versus 7 'and 8'). Since the quasi-simultaneity, as an additional criterion, means that the transaction pool is always very small, even with a high transaction load, it is very likely that an assignment based on the criteria "amount” and "short transmitter identifier" is possible.
  • the processing entity 3 will request the entry of additional characteristics, e.g. ask payer 1 via an IVR system (Interactive Voice Response) to also enter the last four digits of the recipient's mobile phone number.
  • IVR system Interactive Voice Response
  • the mobile phone numbers of the callers (MSISDN or ANI) are transmitted automatically, which simplifies the process and provides protection against misuse.
  • This transmission can e.g. can be achieved through a special circuit of the telecommunications provider on the part of the processing authority, which makes it possible to also display those caller numbers whose display is normally suppressed. This has the advantage that even callers with standard phone number suppression can use the system in individual cases without changing the display mode.
  • the method can also be designed in such a way that when calling mobile phones with suppressed caller ID, e.g.
  • An IVR system queries identification features (e.g. the mobile phone number in conjunction with a PIN or a free customer number that is not corrected for a mobile phone number).
  • identification features e.g. the mobile phone number in conjunction with a PIN or a free customer number that is not corrected for a mobile phone number.
  • the provider's computer system transmits an identifier of one's own identity 13, the amount T and the last four digits 8 'of the cell phone number 12 of the payer.
  • the return signaling from the signaling instance 11 to the computer system of the provider can in turn take place via an HTTP response or the return value of the web service.
  • the data transmission between the computer system and the processing entity 3 or signaling entity 11 is advantageously additionally secured by cryptographic methods.
  • a third exemplary embodiment for the execution and documentation of a contract conclusion, combined with the execution of a payment transaction, is described below.
  • the third embodiment works analogously to the e-commerce scenario of the second embodiment described above. It concerns a payment transaction on the Internet in which a payer makes a payment to, for example, a provider of goods or services. In addition to the pure payment from the payer to the provider, a purchase or service contract between provider and payer should also be concluded and documented in this example. In the following, the payer is therefore referred to as the payer / buyer.
  • a digital impression is formed from the content of the contract, e.g. via a hash algorithm like MD5.
  • the digital impression can e.g. also consist of a checksum or checksum or contain part of the credit card number or the so-called CVC code additionally assigned to the credit card number.
  • the digital impression is advantageously limited to a relatively short, e.g. six-digit sequence of digits (e.g. "141516") reduced. This six-digit sequence of digits is displayed to the payer / buyer on the website and / or sent to the payer / buyer by e-mail, for example.
  • the content of the contract can also be saved and recorded permanently, for example by sending an email to the payer / buyer with the terms of the contract, which contains a reference number of the contract in the email.
  • the reference number can also consist, for example, of a six-digit sequence of digits (for example “949596”) and advantageously also include the date, time or other data.
  • the payer / buyer now also transmits the reference number to the processing instance (in addition to the amount), for example by adding six numbers to the dialed number ("0800-55555-2350”), ie " 0800-55555-2350-949596 "dials.
  • the digital impression can also be transmitted, for example as part of the phone number, by dialing "0800-55555-2350-141516".
  • both the digital impression and the reference number can be transmitted.
  • the transmission of the payment amount can also be dispensed with.
  • the payment-specific part of the described method can also be omitted and the method can only be used for the implementation and / or documentation of the conclusion of the contract.
  • the payment can be made via a conventional credit card and the credit card payment including the credit card data can be part of the concluded contract. All or part of all data can also be transmitted via DTMF tones or via SMS or another method.
  • a high level of documentation and proof of the contract concluded is achieved through the process designs shown. Because the data transfer of the digital impression (digest) and / or the reference number takes place parallel to the Internet via the user's mobile phone, the data as a whole is protected against manipulation on the Internet.
  • the above-described document function of the individual connection verification of the telecommunications provider can be used.
  • the billing functionality can be implemented, for example, simply by the call, via which the payment transaction is carried out, being rated directly with the amount contained in the telephone number, provided the connection duration was, for example, longer than 10 seconds.
  • a connection to the phone number 0800-55555-2350, for example 11 seconds long, would then be charged with an amount of EUR 23.50, a connection to the phone number 0800-55555-2350-4567, for example 11 seconds in length with a credit amount of EUR 23.50.
  • This functionality could be implemented with minimal software updates in the accounting systems. Only a few additional technical devices or interfaces would have to be created. The process advantageously works symmetrically for both payers and receivers - in contrast to conventional processes, in which different systems and interfaces are used on the receiver side than on payment soap.
  • a fourth exemplary embodiment is explained below with reference to FIG. 3.
  • This exemplary embodiment relates to an implementation variant which is particularly suitable for use in POS (point-of-sale) cash register systems which, as a rule, instead of an Internet connection, only via landline telephone connections for the communication of credit card terminals or comparable devices an authorization center.
  • the customer informs the cashier of the last four digits 8 of his cell phone number 12. This is entered by the cashier in a cash register or a credit card terminal 16 or a comparable device (hereinafter referred to as "terminal") and transferred from the terminal to a connected or integrated landline or mobile radio modem which initiates a telephone call to the processing authority and dialing "0800-55555-2350-4567" as the telephone number in the first exemplary embodiment. If the method variant of the first exemplary embodiment described above is used, in which a minimum duration of the connection is indicative of a successful transaction, it is sufficient for the terminal to decide whether the payment was successful, in principle only checking whether the modem connection is longer than the minimum duration duration.
  • the processing of the method can be greatly accelerated compared to protocols in which a time-consuming modem protocol connection is established. This also leads to a reduction in telecommunications costs.
  • a more detailed feedback from the processing authority to the cash register system in the event of an error is generally not necessary, since the payer or customer in turn receives acoustic feedback about the cause of the error.
  • the payer and recipient receive an incoming call from the signaling entity, the special caller number “0800-55555-2350” being generated by the signaling entity as the caller number (ANI), provided that the payment has been made, or “0800 - 55555-0000 "if payment cannot be made. From the caller number shown on the display, payers and recipients can see whether the payment was successful or not.
  • the entry advantageously remains stored in the caller list of the mobile telephone, which enables it to be checked again later. The faster and safer short transmission time is advantageous compared to signaling by sending an SMS.
  • a telephone connection is established between the two transaction parties (provided that both transaction parties use a landline telephone or a mobile phone).
  • This variant is particularly useful if e.g. a payment transaction for a telephone consultation or the like is carried out and the service is provided directly via the telephone connection established.
  • the procedure described in the first example could be modified so that the payment amount and the last four digits of the payer's mobile phone number are transmitted via DTMF tones which are sent within the connection by the transaction parties.
  • the DTMF tones could be filtered out by the switching system and forwarded to the settlement entity, or a temporary telephone connection between the transaction parties and the settlement entity could be initiated.
  • the mobile telephones 1 and 2 of a payer and a payee send the telephone calls 5 and 6 to the computer system promptly.
  • the phone numbers used for the selection contain the amount 7 or T for the payment transaction.
  • a telephone number also contains a reference 8 'to the telephone number of the other.
  • the computer system is integrated, for example, in a system of the telecommunications provider. It has an input 18 which contains the dialed telephone numbers of can record incoming calls without having to answer calls 5 and 6 immediately. The input 18 forwards this data into a transaction pool memory 19.
  • a test entity 9 is connected to the transaction pool memory 19.
  • the latter checks whether another data record of the transaction pool memory 19 can be assigned to this data record. For this purpose, it extracts from a call at least the identifier of the caller who made the call, and from the dialing number the amount to be paid and, if appropriate, the payment assignment reference code 8 '.
  • the test instinct 9 checks whether the identifiers of the telephones via which the calls 5 and 6 have been made are stored in a database of the computer system. This enables the computer system to establish a connection to registered users and their data for the payment transaction. For example, the account details or credit card numbers can be determined for the users.
  • the test entity 9 checks whether the declarations of intent contained in the calls correspond.
  • the checking unit 9 checks whether the payment assignment reference code 8 ′ actually corresponds to the last 4 digits of the telephone number of the other call 5. If all checks are positive, the checking entity 9 transmits the data to the transaction entity 10 connected to it and the data records are removed from the transaction pool memory 19.
  • the transaction pool memory 19 thus comprises a database in which incoming calls are stored in a timely manner and which can be used to check whether new data records can be assigned to one another.
  • the transaction entity 10 can convert this data into payment instruction data 21. These are, for example, instructions for direct debit from a payer's account and, in parallel, transferring a certain amount to a payee's account.
  • the transaction entity 10 transmits the payment instruction data 21, for example, via an internet connection to the bank of the processing entity or the banks of the payer and the payee.
  • an output 20 is provided in the computer system.
  • Signaling entity 11 may be connected. In the event that payment instruction data 21 have been transmitted, the signaling entity 11 sends signaling 22 via the
  • the signaling 22 can also be sent to other recipients, for example stored email addresses of the payer and the payee.
  • the signaling instance 11 can also send signaling signals 22 about a transaction that has not taken place.
  • the signaling 22 can be sent even if the test of the test entity 9 was positive. The signaling 22 can take place as explained with reference to the first exemplary embodiments.
  • the payer and the payee only have to make two entries:
  • the payer provides the payee with part of his telephone number.
  • the latter starts a payment application on his mobile phone 2 and enters this part 8 of the telephone number into his mobile phone 2.
  • the payer also starts the payment transaction application on his mobile phone 1.
  • Both parties then enter the amount to be paid 7 or T in the application of the mobile phones 1, 2 and essentially simultaneously press a key to start the payment transaction.
  • the applications on mobile phones 1 and 2 then automatically generate telephone numbers 5 and 6 and send them to the computer system.
  • the computer system then initiates the payment transaction by transmitting payment instruction data 21 to the payer's bank.
  • the payment transaction is also documented by the computer system.

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Abstract

La présente invention concerne un procédé et un système pour initier et/ou réaliser une transaction en relation avec au moins deux déclarations de volonté qui correspondent, notamment une transaction de paiement entre au moins deux parties de transaction via une instance de réalisation (3), au moins l'une des parties de transaction utilisant un téléphone fixe ou un téléphone mobile (1, 2) ou un appareil de communication mobile pour transmettre des données. Le procédé se caractérise en ce qu'au moins deux des parties de transaction transmettent des données à l'instance de réalisation, la transmission de données s'effectuant pendant un intervalle de temps limité, et en ce que l'initiation de la transmission de données de ces parties de transaction s'effectue de manière active de la part des parties de transaction et non de la part de l'instance de réalisation (3), les données transmises lors de l'initiation contenant des caractéristiques qui permettent l'association des déclarations de volonté entre elles.
EP04719443A 2003-03-11 2004-03-11 Procede et systeme pour initier et/ou realiser une transaction en relation avec au moins deux declarations de volonte qui correspondent Withdrawn EP1602088A2 (fr)

Applications Claiming Priority (3)

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DE10310527 2003-03-11
DE10310527A DE10310527B4 (de) 2003-03-11 2003-03-11 Verfahren zum Initiieren und/oder Durchführen einer Zahlungstransaktion
PCT/EP2004/002520 WO2004081892A2 (fr) 2003-03-11 2004-03-11 Procede et systeme pour initier et/ou realiser une transaction en relation avec au moins deux declarations de volonte qui correspondent

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EP1602088A2 true EP1602088A2 (fr) 2005-12-07

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US (5) US7702581B2 (fr)
EP (1) EP1602088A2 (fr)
JP (1) JP2006524938A (fr)
CN (1) CN1788292A (fr)
AU (1) AU2004219478A1 (fr)
CA (1) CA2518448A1 (fr)
DE (1) DE10310527B4 (fr)
WO (1) WO2004081892A2 (fr)

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WO2004081892A3 (fr) 2004-10-28
US8831990B2 (en) 2014-09-09
DE10310527A1 (de) 2004-09-23
US20100174651A1 (en) 2010-07-08
US7702581B2 (en) 2010-04-20
CA2518448A1 (fr) 2004-09-23
DE10310527B4 (de) 2008-11-20
JP2006524938A (ja) 2006-11-02
US20070055632A1 (en) 2007-03-08
US20120047067A1 (en) 2012-02-23
AU2004219478A1 (en) 2004-09-23
US20140372292A1 (en) 2014-12-18
US8065232B2 (en) 2011-11-22
US8566238B2 (en) 2013-10-22
CN1788292A (zh) 2006-06-14

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