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EP1869630A1 - Procede de confirmation d'une demande de prestation de service - Google Patents

Procede de confirmation d'une demande de prestation de service

Info

Publication number
EP1869630A1
EP1869630A1 EP06725696A EP06725696A EP1869630A1 EP 1869630 A1 EP1869630 A1 EP 1869630A1 EP 06725696 A EP06725696 A EP 06725696A EP 06725696 A EP06725696 A EP 06725696A EP 1869630 A1 EP1869630 A1 EP 1869630A1
Authority
EP
European Patent Office
Prior art keywords
service
services
service user
user
communication
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Ceased
Application number
EP06725696A
Other languages
German (de)
English (en)
Inventor
Christian Stockmar
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.)
Vodafone Holding GmbH
Original Assignee
Vodafone Holding GmbH
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Vodafone Holding GmbH filed Critical Vodafone Holding GmbH
Publication of EP1869630A1 publication Critical patent/EP1869630A1/fr
Ceased legal-status Critical Current

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
    • 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
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/18—Network architectures or network communication protocols for network security using different networks or channels, e.g. using out of band channels
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L67/00—Network arrangements or protocols for supporting network services or applications
    • H04L67/50—Network services
    • H04L67/51—Discovery or management thereof, e.g. service location protocol [SLP] or web services

Definitions

  • the invention relates to a method for performing services for a
  • a service user is a person who uses a service provided by a service provider.
  • the service user requested the service from the service provider, who then supplies the service.
  • Online banking is a service offered by banks as a service provider.
  • a bank customer can Service providers carry out transactions, such as remittances, at their bank. It is not necessary for the bank customer himself to be present at the bank counter.
  • bank customers With its terminal, usually a computer, bank customers can access the bank's website via a telecommunications network. For example, bank customers must identify themselves on the bank's website with a password, which should only be known to bank customers, eg a PIN (Personal Identification Number).
  • PIN Personal Identification Number
  • the object of the invention is therefore to overcome the disadvantages of the prior art and in particular the use of services that are offered via communication networks, such as the Internet, for the
  • the object is achieved in that in methods for executing services for a service user of the type mentioned in the introduction,
  • the invention is based on the principle of having every service offered over a communication network by a service provider confirmed via a second communication network. This is supposed to be manipulations in the
  • the Internet is provided as the first communication network for requesting the service.
  • the Internet is the network that connects most terminals worldwide. There are numerous service providers offering their services over the Internet. In this respect, it is particularly advantageous if this
  • Services via the public Internet are additionally secured via a second communication network.
  • a mobile radio network is provided as the second communication network. Because this mobile network is now also very common, so it is particularly suitable for additional protection. Suitable encryption makes the mobile network extremely secure against eavesdropping.
  • a preferred embodiment of the method according to the invention is obtained in that the confirmation of the service is performed by the communication server.
  • the communication server automatically sends a corresponding confirmation to the service user. He can either confirm or reject the service.
  • the inventive method can be advantageously designed by the confirmation of the service is performed to a mobile station of the service user.
  • a mobile network as a second communication network
  • mobile terminals are particularly well suited as a means of communication for the confirmation of the service.
  • Communication means as electronic terminals, in particular designed as a computer. This allows, for example, ATMs or computers via a network, such as the Internet, easily connect to the communication servers.
  • the short messages for confirmation contain a unique identifier. This measure can be taken to include the Additionally secure messages for confirmation. criminals are thus greatly hampered by positive access to influence or claim services.
  • Procedure the confirmations are made encrypted.
  • the encryption of the confirmations also helps to protect the transmitted data against unauthorized access.
  • the acceptance or rejection of the service takes place with the
  • a corresponding short message for example as SMS or MMS, is transmitted to the communication server of the service provider.
  • a further preferred embodiment of the method according to the invention results from the fact that the service consists of remote transactions.
  • the transaction may consist, for example, in a remote bank transfer, as it may u.a. when online banking over the Internet occurs.
  • Service-providers did not perform the service. If there is no positive acknowledgment for the service contract over the second communication network, the service will not be performed by the service provider.
  • FIG. 1 shows a schematic schematic diagram of the method according to the invention for executing services for a service user.
  • Fig. 1 the inventive method for executing services for a service user 10 is shown in a schematic schematic diagram.
  • a terminal 12 is also seen, which is formed in the present embodiment as a computer.
  • the terminal 12 is via a first
  • Communication network the Internet 14, with a communication server 16 a
  • Service provider With 18 another terminal is called, via a second communication network, a mobile network 20, with a
  • the terminal 18 is designed as a mobile terminal.
  • About the mobile network 20 can between the
  • Mobile station 18 and the communication server 22 of the mobile network operator are Mobile station 18 and the communication server 22 of the mobile network operator
  • Short messages such as SMS or MMS
  • the communication server 16 of the service provider is with the
  • Communication server 22 coupled to the mobile network operator.
  • the service user 10 has the mobile station 18.
  • the service user 10 can now take over the terminal 12 services of the service provider to complete.
  • the service provider 10 requests the services from the service provider.
  • the service provider is a bank and the service is a money transaction.
  • the service is a money transaction.
  • online banking the transaction is carried out by the service user with a password, usually a PIN, on the website of the bank for identification logged. After completing an appropriate transaction form on the website and averting it to the bank, the order is confirmed. If the subscriber agrees with the order confirmation data, he then enters a unique transaction number (TAN).
  • TAN unique transaction number
  • the bank can uniquely assign the transaction. As soon as the password (PIN) and (TAN) fall into the wrong hands, one in three can have unauthorized access to the customer's account as soon as the unauthorized person has an appropriate terminal 12.
  • the present inventive method therefore provides as additional
  • the communication server 16 of the service provider via the communication server 22 of the mobile operator and the mobile network 20 automatically transmits a short message, for example in the form of an SMS to the mobile terminal 18 of the service user.
  • the short message contains the order data for the service.
  • the SMS can for
  • Backup also contain a coding, which ensures that the just sent order data actually come from the service providers. Only when the service user confirms this order data by sending a short message over the mobile network 20 to the communication server 16 of the service provider, the transaction is executed.
  • the service may also be e.g. It is that money is obtained with a bank card from an ATM as terminal 12.
  • the bank card is to be introduced by the service user 10 in the ATM. After entering a PIN for identification at the ATM, a cash amount can be entered via a keyboard. Subsequently, the amount of money is output from the ATM. However, it often happens that the PIN of the bank customer is spied on by criminals. Subsequently, the bank card is stolen. The criminals can now use the PIN and bank card to get money from any ATM. Also in this case, a backup can be done via a second communication network 20.
  • the online banking sends the communication server 16 of the bank, via the communication server 22 of the mobile operator and the Mobile network 20 automatically SMS, to the mobile terminal 18 of the service user.
  • the short message contains the order data for the service. So that the data can not be intercepted, they are transmitted in encrypted form. Only when the service recipient confirms this order data, in turn, a short message over the mobile network
  • a cash payment is made at the ATM. If the service recipient does not confirm the order data via SMS, that is refuses, the service, ie the payment of money at the ATM is not performed.

Landscapes

  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Theoretical Computer Science (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Computer Security & Cryptography (AREA)
  • Signal Processing (AREA)
  • Finance (AREA)
  • Computer Hardware Design (AREA)
  • Computing Systems (AREA)
  • General Engineering & Computer Science (AREA)
  • Mobile Radio Communication Systems (AREA)
  • Telephonic Communication Services (AREA)

Abstract

L'invention concerne un procédé d'exécution de prestations de services pour un demandeur de prestation (10). Une demande de prestation de service est enregistrée par un serveur de communication (16) d'un prestataire de services. La demande de service est transmise par des moyens de communication (12) via un premier réseau de communication (14). Le service n'est exécuté par le prestataire de services qu'une fois la commande correspondante confirmée par un message du prestataire de service via un deuxième réseau de communication (20). A cet effet, un message d'acceptation ou de refus du service est transmis au serveur de communication (16) du prestataire de services via le deuxième réseau de communication (20).
EP06725696A 2005-04-14 2006-04-11 Procede de confirmation d'une demande de prestation de service Ceased EP1869630A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
DE102005017374A DE102005017374A1 (de) 2005-04-14 2005-04-14 Verfahren zur Bestätigung einer Dienstleistungsanforderung
PCT/EP2006/061503 WO2006108831A1 (fr) 2005-04-14 2006-04-11 Procede de confirmation d'une demande de prestation de service

Publications (1)

Publication Number Publication Date
EP1869630A1 true EP1869630A1 (fr) 2007-12-26

Family

ID=36694141

Family Applications (1)

Application Number Title Priority Date Filing Date
EP06725696A Ceased EP1869630A1 (fr) 2005-04-14 2006-04-11 Procede de confirmation d'une demande de prestation de service

Country Status (3)

Country Link
EP (1) EP1869630A1 (fr)
DE (1) DE102005017374A1 (fr)
WO (1) WO2006108831A1 (fr)

Families Citing this family (10)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
DE102006037167A1 (de) * 2006-08-09 2008-02-14 Deutsche Telekom Ag Verfahren und System zur Durchführung eines Zahlungsvorgangs mit einem Zahlungsmittel
US7942739B2 (en) * 2006-11-15 2011-05-17 Cfph, Llc Storing information from a verification device and accessing the information from a gaming device to verify that the gaming device is communicating with a server
EP2086658A4 (fr) * 2006-11-15 2011-01-05 Cfph Llc Systèmes et procédés pour déterminer qu'un dispositif de jeu communique avec un serveur de jeu
US10068421B2 (en) 2006-11-16 2018-09-04 Cfph, Llc Using a first device to verify whether a second device is communicating with a server
US7942738B2 (en) 2006-11-15 2011-05-17 Cfph, Llc Verifying a gaming device is in communications with a gaming server
US7942741B2 (en) 2006-11-15 2011-05-17 Cfph, Llc Verifying whether a device is communicating with a server
US7942742B2 (en) 2006-11-15 2011-05-17 Cfph, Llc Accessing identification information to verify a gaming device is in communications with a server
US8012015B2 (en) 2006-11-15 2011-09-06 Cfph, Llc Verifying whether a gaming device is communicating with a gaming server
US7942740B2 (en) 2006-11-15 2011-05-17 Cfph, Llc Verifying a first device is in communications with a server by storing a value from the first device and accessing the value from a second device
DE102007053638A1 (de) * 2007-11-08 2009-06-04 Deutsche Telekom Ag Verfahren und Vorrichtung zum gesteuerten Transferieren eines Geldbetrages von einem Prepaidkonto eines Zahlers auf das Konto eines Zahlungsempfängers

Family Cites Families (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
DE29624478U1 (de) 1995-10-10 2004-03-18 Koninklijke Kpn N.V. System zum Ermöglichen des Bestellens und Bezahlens von Dienstleistungen mittels eines Kommunikationsnetzwerkes
DE10037175A1 (de) 2000-07-31 2002-02-21 Orga Kartensysteme Gmbh Transaktionsbestätigung
DE10066375A1 (de) * 2000-08-09 2007-10-25 Vodafone Holding Gmbh Verfahren zur Bezahlung an beliebigen Verkaufs- bzw. Dienstleistungsstellen mit Mobiltelefon
WO2002019593A2 (fr) * 2000-08-30 2002-03-07 Telefonaktiebolaget Lm Ericsson (Publ) Authentification d'un utilisateur final basee sur la boite a outils d'application du module d'identification d'abonne (sat), independante du fournisseur de services
ITMI20031718A1 (it) 2003-09-08 2005-03-09 Fabrizio Ferrante Metodo e sistema per transazioni attraverso una rete di

Non-Patent Citations (1)

* Cited by examiner, † Cited by third party
Title
See references of WO2006108831A1 *

Also Published As

Publication number Publication date
DE102005017374A1 (de) 2006-10-19
WO2006108831A1 (fr) 2006-10-19

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