EP2263216A1

EP2263216A1 - Method and service computer and system for transacting a monetary amount

Info

Publication number: EP2263216A1
Application number: EP09716167A
Authority: EP
Inventors: Michael Carell; Bernd Graw; Dirk Bradler; Dominik Hirt; Wolfgang Bergschneider
Original assignee: Wincor Nixdorf International GmbH
Current assignee: Wincor Nixdorf International GmbH
Priority date: 2008-02-26
Filing date: 2009-02-25
Publication date: 2010-12-22
Also published as: US20110313924A1; WO2009106530A1; DE102008011192A1

Abstract

What is proposed are a method and a system with a service computer (SRV) for transacting a monetary amount (AOM) from an account of a first person (A) to an automated teller machine (ATM) for cash payment of the monetary amount (AOM) to the first person (A) or to a second person (B), wherein the transaction is carried out by way of a transaction service that is administered by the service computer (SRV), wherein the first person (A) is optionally assigned an access code (MCPIN) that is transmitted by the first person (A) to the service computer (SRV) for the use of the transaction service, and wherein a connection from the service computer (SRV) to the automated teller machine (ATM) is made for releasing the cash payment, and wherein at least one telecommunication number (APN, BPN) is also transmitted from the first person (A) to the service computer (SRV), said telecommunication number being used by the service computer (SRV) for sending a report (CNF, INF) through a telecommunication service (SMS) to at least one of the persons (A, B). This allows the account owner in particular and/or the recipient to be directly informed via short messaging SMS, for example. The account owner A himself can arrange the transaction and release of the cash payment quickly, easily and safely by sending an SMS message to the service computer SRV. The service computer SRV in turn can authenticate both the account owner A and the recipient B using the telecommunications numbers reported to the service computer.

Description

Applicant / in:

Wincor Nixdorf International GmbH

Intellectal Property

Heinz-Nixdorf-Ring 1

33106 Paderborn

Method and service calculator and system for the transaction of a sum of money

The invention relates to a method for the transaction of a sum of money according to the preamble of patent claim 1 and a method performing service computer and a system equipped therewith according to the preamble of the independent claims.

Procedures for the transaction of funds between accounts of different people and dedicated devices or systems are well known. Also well known are devices in the form of ATMs that allow for a cash payment of a cash amount, usually the cash payment is made to the person who is also the account holder.

DE 10 2005 050 605 A1 proposes a method and a system for the transaction and payment of a cash amount at an ATM. The transaction of the amount of money takes place from an account of a person who is also account holder, to any ATM, where this person gets paid on a successful release of the cash payment the amount of money. The transaction and activation of the amount of money is carried out via online banking or telephone banking via appropriate communication connections. For this purpose, the account holder establishes an online and / or telephone connection to a device which can be designed as a service computer or server in order to carry out a transaction or

Release the cash payment to at least one ATM. For this purpose, the account holder transfers data via the online or telephone connection to the service computer, which in particular provides information about the customer account and the amount to be transferred or disbursed. The account holder can then effect the payment of the cash amount at an ATM connected to the service computer by identifying himself at this ATM, for example by means of his bank card, and / or by authenticating him / her by querying biometric data or the like. With the solution proposed there, therefore, a very customer-friendly transaction and payment of a sum of money at any ATM is possible. However, it would be desirable to improve the procedure for the transaction and payment of a sum of money so that the payment of the cash amount can be made not only to the account holder, but possibly also to a foreign person. It should be possible for the account holder to also prefer to use existing online or telephone connections in order to initiate the transaction and release of the payment.

Therefore, it is an object of the present invention, a method of the aforementioned

To improve the type and overcome the above-mentioned disadvantages. In addition, a service computer carrying out the procedure and a system equipped with it will be proposed.

The object is achieved by a method having the features of claim 1.

Thus, a method of transaction of a sum of money from an account of a person at an ATM to cash payment of the amount of money to the first person or to a second person is proposed, wherein the transaction is performed by a transaction service managed by a service computer, and wherein Release of the cash payment a connection from the service computer to the

At least one telecommunications number is transmitted from the first person to the service computer, which is used by the service computer to send a notification via a telecommunications service to at least one of the persons.

The proposed service computer or server carries out the transaction of the amount of money, wherein the first person also transmits to the service computer at least one telecommunication number, which the service computer then sends out a notification of a telecommunications service to at least one of the persons used. The proposed system is equipped with such a service computer and an ATM connected to it, with which the implementation of the transaction of the cash amount and the cash payment are carried out.

By the method according to the invention and by means of the proposed service computer and the system equipped therewith, the transaction of the amount of money is carried out by transmitting at least one telecommunication number, which the service computer uses to at least one of the persons, in particular the

Account holder and / or the recipient of the cash payment of the amount to be notified. The notification takes place via a telecommunications service, which can represent, for example, a mobile short message service (so-called Short Message Service). The transmitted telecommunications numbers can be, for example, mobile phones which specify the mobile telecommunications terminal of the first person and / or the second person. As telecommunications numbers but not only mobile numbers can be used, but also, for example, landline numbers, IP addresses for Internet communication, in particular for VoIP or WLAN telephony, etc. Accordingly, the service computer based on the telecommunications numbers transmitted to him specifically to the people involved Send directed notifications, in particular short messages (short SMS message) to confirm a registration or registration for the transaction service. This can also be information notifications for the recipient, which are transmitted in the form of short messages with details about the release of a cash payment and the amount of money directly to the respective mobile device. The invention enables a very customer-friendly and flexible implementation of the transaction and release of a cash payment from a first person in particular to a second foreign person. Thus, for example, with the aid of the invention, an account holder can initiate a transaction via the transaction service described here by sending an SMS message, which finally leads to the release of a

Cash payment at any ATM leads, with the recipient directly and without having to have their own account, the cash machine can take the released amount of money in reception. The service computer can be determined by the Telecommunications numbers notified to it both authenticate the account holder at the beginning of the transaction, for example by sending him a confirmation message, and can also authenticate the recipient when accessing the ATM by sending this confirmation message.

Advantageous embodiments of the invention will become apparent from the dependent claims.

Accordingly, it is advantageous if the respective telecommunication number indicates a particular mobile telecommunication terminal, which is assigned to the first or second person. In this context, it is advantageous if the at least one telecommunication number is used for authenticating the first or second person to the respective telecommunication terminal assigned to it. Thus, the telecommunications number communicated to the system can not only serve to carry out communication, in particular automatic notifications of the persons, but also serve for complete or partial authentication of the individual person himself. For example, the first and / or second person authenticates by sending data or requests from their personal mobile radio terminal to the system. Since the mobile device is uniquely assigned to this person, when the data is received, the system can use the signaled telephone number to check whether the data and requests actually come from the corresponding person. The telecommunications number serves as a kind of Erkennungsbzw. Authentication feature for each person.

To further secure the authentication, in particular the first person can also be assigned an access code, which is transmitted by the first person for the use of the transaction service to the service computer. In this

In connection, it is advantageous if the access identifier as well as the at least one telecommunication number are transmitted via the same communication service, in particular via a mobile short message service or SMS service.

It is particularly advantageous if the respective telecommunication number indicates a particular mobile telecommunication terminal, which is the first or second Person is assigned. Accordingly, the invention is particularly suitable for implementation by means of a mobile communication network or service, which may be preferably configured as a short message service or SMS service. Thus, the persons involved at any time by accessing their respective mobile phone, the implementation of the service or the transaction is possible.

It is also advantageous if the first person to use the service to the service computer, the access identifier and a first telecommunications number is communicated indicating a particular mobile first telecommunication terminal, which is associated with the first person. This is in particular a registration or

Registration (log-in) for the use of the transaction service by sending data via a mobile phone allows.

It is also advantageous if the first person to initiate the transaction of the amount of money to the service computer or server, the access identifier and a second

Telecommunications number is communicated, which is a particular mobile

Telecommunications terminal indicates that is associated with the second person. In this

In connection with this, it is furthermore advantageous if the first person gives an indication of the amount of the money together with the second telecommunication number for initiating the transaction of the amount of money to the service computer.

Thus, the actual cause or execution of the transaction is through

Use of a transfer of data via mobile phone much easier.

Furthermore, it is advantageous if the first person to initiate the transaction of the amount of money to the service computer in addition to the access identifier and the second

Telecommunications number and / or the amount of money is communicated via a short message service. Thus, in particular by a single short message or SMS already a transaction can be completely arranged and the account holder only requires the sending of a single such short message.

It is also advantageous if the first person is notified by the service computer of a transaction number for carrying out the transaction, in particular via a short message service. In this context, it is advantageous if the second person is notified by the first person of the transaction number via the short message service. Thus, the transmission of the key for the transaction key, namely the transaction number, both the system side via a short message service as well as the user via a short message service. Accordingly, the transaction number can first be sent from the service server to the account holder on the system side, which in turn sends this transaction number via another SMS to the desired recipient, who in turn also uses this transaction number when operating the ATM for the purpose of releasing and paying out the cash amount sends to the system via SMS. Thus, the persons involved in turn need only their mobile phone to achieve a secured transaction and payment of the amount of money. The transaction number itself is valid only for a single transaction, so that any spying of the transaction number is pointless and thus any attempt to cheat remains unsuccessful.

Likewise, it is advantageous if the first person is notified by the service computer of a list of indexed transaction numbers for carrying out a plurality of transactions, in particular via a short message service.

It is also advantageous if it is checked to release the cash payment of the amount of money to the second person from the service computer, if the second person for authentication also indicates the correct second telecommunications Niunmer, which the service computer of the first person for notification and authentication of the second Person has been notified. In this context, it is advantageous if to release the cash payment of the amount of money from the second person this second

Telecommunications Numrner is transmitted to the service computer or the associated ATM from the mobile second telecommunication terminal from, in particular via a mobile short message service or a wireless communication interface, such as a Bluetooth interface is transmitted. Thus, in particular, the second telecommunication number in turn serves for secure authentication of the recipient and to check whether this is actually entitled to pay or to receive the amount of money. It can preferably in turn be resorted to a transmission of the telecommunications number using SMS or Bluetooth.

The invention can be carried out in an advantageous manner in particular in that the telecommunication numbers transmitted here, for example mobile numbers,

Fixed-line numbers, IP addresses for Internet communication, where the EP addresses are used in particular for VOIP or WLAN telephony or e-mail communication or instant messaging. Thus, the users of the method and system proposed here can access modern communication services and terminals, in particular mobile terminals.

In this context, it is advantageous if the service computer has at least one device, such as modem and / or transceiver for connection to a mobile network, a landline, an EP network. In an associated with the service computer database are preferably for each person who the

Transaction service uses stored at least the access identifier and the telecommunications number, which are assigned to this person. Furthermore, in the database preferably for the respective person to whom the amount of money is paid, stored at least the telecommunications number that is associated with this person. In this context, it is beneficial if in the database for the

Transaction of the amount of money, at least one transaction number is stored, which is associated with this transaction of at least one telecommunications number. Thus, preferably in the database, all relevant data and information is included to perform the transaction and release of the cash payment, in particular the logical allocation of the actual transaction data, such as e.g. the account number, the amount of money, the transaction number and the access number for the service according to the invention with the transmitted telecommunication numbers, e.g. the mobile number of the account holder and that of the recipient. Such a logical assignment opens up comprehensive new possibilities for realizing the method proposed here.

Finally, it is also advantageous if the ATM has at least one interface for wireless short-range communication with a mobile telecommunication console. Terminal has. Thus, even with the release and cash payment, the Authentifϊzierang the receiver can be done directly at the ATM, the receiver only has to use his example Bluetooth-enabled mobile device.

The above-mentioned and further advantages of the invention will be further clarified below by a detailed description of an exemplary embodiment, reference being made to the enclosed figures, which show the following:

1 shows a schematic representation of the exchange of information or data between the first person and components of the system for registration or registration for the transaction service described here.

FIG. 2 shows a schematic representation of the transmission of information or data between the first and second persons and between these and the system components involved for carrying out a transaction according to the invention.

Finally, FIG. 3 is a schematic flow diagram illustrating the individual

Represents steps of the method according to the invention.

Fig. 1 illustrates in a schematic representation of the process or the scenario of registration of the first person A for the use of the transaction service for

Transaction of a sum of money from an account of this first person A for cash payment to a second person B, here is a foreign person, wherein the erfϊndungsgemäße system is accessed. In particular, this system comprises a service computer SRV, which performs and / or controls both the registration and the actual transaction and in particular receives messages from the person A and sends notification to this person. The registration illustrated here with reference to FIG. 1 precedes the actual procedure for the transaction of the monetary amount, which will be described in more detail later with reference to FIGS. 2 and 3. First, the registration of the first person A for using the transaction service will be described here with reference to FIG. The first person A is also an account holder and wants to arrange a certain amount of money to pay the cash to a second person. First, the registration takes place for example via a terminal TRM, with the

Service computer SRV and e.g. a customer terminal or even a

Personal computer can be. The registration can also be over any other

Terminal be performed. Furthermore, the first person A has a

Mobile communication terminal MA, in particular to receive notifications from the service computer SRV. Registration is now performed as follows:

First, the first person A enters in a first step (a) at least one's own telecommunications number APN in the terminal TRM. In this example, the telecommunication number represents the first person's own mobile number A, such as e.g. the number sequence "004917011 ..." dar. Already on the basis of this number could the

System to recognize and authenticate person A. Because especially in mobile networks, the mobile number is clearly assigned to a person. This assignment is managed by the mobile service provider of so-called providers. If the system relies on its allocation and accepts the provider as a kind of trust center, an authentication of the person based on the mobile number can already take place.

Since in typical communication or data transmission, this mobile number is signaled anyway, the person could also very quickly, for example. be authenticated by sending an SMS or the like.

For further security, however, the system uses a special one here

Access number MCPIN, which is assigned to the respective person and which is requested for registration. The access number MCPIN is a Personal Identification or a PIN code and is for example "1234." This code authorizes the person A to use the transaction service, both of which are then transmitted from the terminal TRM to the service computer SRV, for example via a conventional one

Telecommunications network, transmitted. In the next step (b), these input data are processed by the service computer and entered for registration REG of the person A in the database connected to the service computer DG or with local data adjusted. In the example shown here, person A is a customer of a bank and has an account there. Thus, the person A only needs to enter their mobile number APN and the access code MCPIN into the system for their registration or deposit there.

The service computer or server SRV then sends in a step (c) a confirmation message CNF per short message message SMS to the specified mobile number APN. This is to check if the given telecommunication number is correct. As a result, there is an authentication of the customer A when registering for the transaction service. The confirmation message from the server SRV may also include a request, after which the customer A is requested to respond with a return SMS to the system. If this is the case, the registration REG is completed.

After a successful registration, the system can give the customer a single

Transaction number or can in a step (d), for example, a list of several indexed transaction numbers iTANL spend, which enables the customer to initiate multiple transactions can. The transaction number or the list iTANL can also be transmitted via the telecommunication service SMS. Alternatively or additionally, this can also be done over another

Service, such as Email or postal mail, done. After a completed registration, the system is ready to perform desired transactions.

The transaction of a sum of money from the first person A, in this case from the customer or account holder, to a second person will now be described by way of example with reference to FIGS

B, here so a third or recipient, described in more detail. The system contains in

Essentially the service computer SRV, which is in communication with the database DB and can also connect to at least one ATM ATM.

Furthermore, the service computer SRV not shown devices or interfaces for communication via a telecommunications network SMS to

Send notifications or messages to the persons involved or receive data from them. The method performed here with the system for Transaction of a monetary amount is illustrated in more detail in its individual steps with reference to FIG. 3:

The method MCM begins with a first step (1), in which the first person A sends from his mobile phone MA, a short message SMS to the server SRV, this message, the mobile number of the recipient BPN and an indication of the height of the amount of money to be transferred AOM contains. For example, the mobile number BPN is "004917022 ..." and the amount to be transferred is, for example, 150. With this information, the server SRV is now caused to start a transaction, in a second step (2) the server sends first one

Confirmation message CNF back to the first person A. This is also done as part of a short message SMS message. With this notification, the first person A is requested to notify the necessary access code MCPIN or to input at their terminal. This message is then in the next step (3) via the short message service SMS. For example, that is

Access identifier MCPIN "1234".

Thus, with the CNF notification, the first person A is requested by the system to confirm the transaction, which CNF message could be, for example: "Please confirm the 150 Euro money order for the telephone number.

"004917022 ..." by entering your access code MCPIN ". For security reasons, only parts of the access identifier MCPIN could be queried, such as only the first and third digits of the identifier.

If the correct MCPIN is entered or communicated, the server SRV recognizes that the first person A is authorized to use the transaction service and in step (4) initiates the sending of a transaction number TAN to the first person A. This transaction number For example, TAN is "6969" and may also be communicated via the SMS service, or alternatively, the first person may already have a list of transaction numbers (see iTANL in FIG. In a next step (5), the server SRV now sends to the second person B, that is to the recipient, a notification containing both a general information INF and the amount of money AOM. The general information INF informs the receiver B that he can dispose of the amount determined by the sender A and the amount of money at a certain

Can withdraw cash machines. For example, the message you sent in step 5 might say, "You can spend $ 150 on XY Bank ATMs."

However, in order for the recipient B to actually have the amount of money, he also needs the transaction number TAN. This he receives from the person A, for example, in a step (6) by notification by phone, by email or preferably also by SMS. The recipient B is then able to withdraw at a certain ATM or any ATM the amount envisaged. For this purpose, the receiver B only has to visit the ATM and there in a step (7) enter his mobile number BPN and the transaction number TAN on the local keyboard (PIN pad). Thus, the release and payment of the amount can be effected very quickly and easily. A card reader is also not required.

It is also conceivable that as an alternative or in addition to the keyboard input at the ATM, the user or recipient also enters and / or retrieves the mobile number BPN and the transaction number TAN on his mobile telephone and then, for example. a Bluetooth interface to the ATM or the system will be sent. This can e.g. also via an SMS notification to the server

SRV done. Thus, the receiver B would only rely on his mobile phone MB carry. An input on a keyboard of the ATM ATM or even the execution of a query menu or the like could be omitted and at the ATM ATM could even be dispensed display and / or keyboard.

A card reader is not required in any of these cases. Therefore, the proposed approach is particularly suitable for fraud attempts effectively Prevent, in particular fraud attempts by skimming or card fraud or by phishing or online monitoring of characteristics. In addition, there is the advantage that the recipient B does not have to have an account. Thus, with the methods and systems presented here, an account holder can provide cash to any person directly for collection at ATMs. For example, could

Foreign workers can use this procedure to provide cash directly to their families in their home country, without the need for family members to have an account with the bank. Also, the payment of pocket money to children could be carried out with this procedure and realized controllable.

If, as shown in FIG. 1, the account holder or bank customer A is provided by the system with a list of indexed transaction numbers iTANL, then this list can also consist of number pairs. For example, the list may have the following pairs of numbers (see also Fig. 1): "2134-1112", "6969-3409" and "2938-1223"

Order, the system requests the bank customer A to use, for example, the TAN pair listed under the index or regulatory number "53", ie the TAN pair "6969-3409". Both TANs are for a transaction where the digit combination "6969" of the first person A (for the beginning of the transaction) and the second digit combination "3409" of the second person B (for the

Completion of the transaction or payment).

Thus, the bank customer, in this case the first person A, first sends a short message SMS to the server SRV in order to confirm the start of the transaction with the first part of the pair of digits, ie with the digit sequence "6969." The server SRV in turn confirms then by SMS message, if the transaction number was correct, and then the first part of the transaction number pair, in this example the digit string "3409", can be communicated to the money receiver, ie person B. When paying at the ATM ATM then this person B is requested to enter this number sequence "3409" or to send via SMS or Bluetooth.

As long as the transaction has not been completed, the transaction can be canceled by the account holder or person A. this will According to the invention, the person A simply sends another message, eg as an SMS, to the service computer SRV, which contains the corresponding transaction number and a special character assigned to it, eg "# 6969". Server SRV then immediately reverses this transaction, optionally noting either one or just one or both

Persons A and B with.

The method described here as well as the service computer and the system are particularly suitable for being able to carry out a fast and secure transaction as well as payment of cash only with the aid of SMS messages. So the people involved only need a cell phone to handle the described

To use service. The application, activation and payment in one

ATMs via mobile telecommunications opens up numerous implementation

• Possibilities that have been exemplified in the previous description.

LIST OF REFERENCE NUMBERS

A first person (client)

B second person (recipient)

MA, MB mobile terminal / mobile phone of the first or second person

SMS mobile communication network (for short messages)

SRV service calculator or server (for cash transaction service)

DB database

(a) - (d) method steps for registration at the service server

APN first ID / telephone number of the first person (client)

MCPIN access identifier for the transaction service

REG registration of the person

CNF confirmation message iTANL List of indexed transaction numbers

MCM Procedure for Carrying Out a Cash Transaction

(l) - (8) Procedural steps of cash transaction

BPN second ID / telephone number of the second person (recipient)

AOM Amount of the desired transaction

TAN Transaction number for the desired transaction

INF information about transaction

CSH payment of the amount

ATM ATM

Claims

claims

1. Method (MCM) for the transaction of a sum of money (AOM) from a first-person account (A) to an ATM (ATM) for the cash payment of the cash amount (AOM) to the first person (A) or to a second person (B) wherein the transaction is performed by means of a transaction service managed by a service computer (SRV), and wherein for releasing the cash payment a connection is made from the service computer (SRV) to the ATM (ATM), characterized in that the first person (A) to the service computer (SRV) at least one telecommunications number (APN, BPN) is transmitted by the service computer (SRV) for sending a notification (CNF, INF) via a telecommunications service (SMS ) is used on at least one of the persons (A, B).

2. The method (MCM) according to claim 1, characterized in that the respective telecommunication number (APN, BPN) indicates a particular mobile telecommunication terminal (MA, MB) associated with the first or second person (A, B) is.

3. The method (MCM) according to claim 2, characterized in that the at least one telecommunication number (APN, BPN) for authentication of the first or second person (A, B) by means of the respective telecommunication terminal (MA, MB ) is used.

4. The method (MCM) according to one of the preceding claims, wherein the first person (A) is also assigned an access identifier (MCPIN), which transmits from the first person (A) for the use of the transaction service to the service computer (SRV) becomes.

5. Method (MCM) according to claim 4, characterized in that the access identifier (MCPIN) and the at least one telecommunication number (APN ₅ BPN) are transmitted via the same telecommunication service, in particular via a mobile short message service (SMS) ,

6. The method according to any one of the preceding claims, characterized in that the first person (A) to use the service to the service computer (SRV) an access identifier (MCPIN) and / or a first telecommunications number (APN) is communicated, the indicates a particular mobile first telecommunication terminal (MA) associated with the first person (A).

7. The method according to any one of the preceding claims, characterized in that from the first person (A) for initiating the transaction of the amount of money (AOM) to the service computer (SRV) an access identifier (MCPIN) and / or a second telecommunications number (BPN ) indicating a particular mobile second telecommunication terminal (MB) associated with the second person (B).

8. The method according to claim 7, characterized in that from the first person (A) for initiating the transaction of the amount of money (AOM) to the service computer (SRV) an indication of the amount of money (AOM) together with the second telecommunications number (BPN).

9. The method according to claim 7 or 8, characterized in that from the first person (A) for initiating the transaction of the amount of money (AOM) to the service computer (SRV) the access identifier (MCPIN), the second telecommunications number (BPN) and / or the amount of the amount of money (AOM) is communicated via a short message service (SMS).

10. The method according to any one of the preceding claims, characterized in that the first person (A) from the service computer (SRV) a transaction number (TAN) is communicated to perform the transaction, in particular via a short message service (SMS).

11. The method according to claim 10, characterized in that the second person (B) from the first person (A) the transaction number (TAN) via the short message service (SMS) is communicated.

12. The method according to any one of the preceding claims, characterized in that the first person (A) from the service computer (SRV) is informed of a list of indexed transaction numbers (iTANL) for performing a plurality of transactions, in particular via a short message service (SMS ) is communicated.

13. The method according to any one of the preceding claims, characterized in that to release the cash payment of the amount of money (AOM), the first person (A) or the second person (B) at the ATM (ATM), the first or second telecommunication number (APN, BPN) and the transaction number (TAN) by keyboard input to the ATM (ATM).

14. The method (MCM) according to claim 13, characterized in that for releasing the cash payment of the cash amount (AOM) to the first person (A) from the service computer (SRV) is checked whether the first person (A) the first telecommunications Number (APN) known to the service computer (SRV) or communicated by the first person (A).

15. The method (MCM) according to one of claims 7 to 13, characterized in that to enable the cash payment of the cash amount (AOM) to the second person (B) by the service computer (SRV) is checked whether the second person (B) indicates the second telecommunications number (BPN) that has been communicated to the service computer (SRV) by the first person (A) for notifying the second person (B).

16. The method (MCM) according to claims 15, characterized in that for releasing the cash payment of the amount of money (AOM) from the second person (B) the second Telecommunication number (BPN) to the service computer (SRV) or to the associated ATM (ATM) is transmitted from the mobile second telecommunication terminal (MB), in particular via a mobile short message service (SMS) or a wireless communication Interface, such as a Bluetooth interface.

17. The method according to any one of the preceding claims, characterized in that the at least one telecommunication number a mobile number, a landline number, an IP address for Internet communication, in particular for VoIP or WLAN telephony or e-mail Communication or instant messaging.

18. Service Calculator (SRV) for carrying out a transaction of a cash amount

, (AOM) from an account of a first person (A) to an ATM (ATM) for cash payment of the amount of money (AOM) to the first person (A) or to a second person (B), the transaction using a transaction service carried out by the service computer (SRV), and wherein for releasing the cash payment, the service computer (SRV) establishes a connection to the ATM (ATM), characterized in that the first person (A) to the service computer (SRV) also at least transmits a telecommunication number (APN, BPN) used by the service computer (SRV) to send a notification (CNF, INF) via a telecommunication service (SMS) to at least one of the persons (A, B).

19. Diensterechner (SRV) according to claim 18, characterized in that the service computer (SRV) communicates by means of the respective telecommunications number (APN, BPN) with a particular mobile telecommunication terminal (MA, MB), this telecommunication number ( APN, BPN) and that of the first and second person (A, B) is assigned.

20. Service computer (SRV) according to claim 19, characterized in that the service computer (SRV) checks the at least one telecommunication number (APN, BPN) for authentication of the first or second person (A, B) when the service computer (SRV ) communicates with this telecommunication number (APN, BPN) associated telecommunications terminal (MA, MB).

21. Service computer (SRV) according to one of claims 18 to 20, characterized in that the service computer (SRV) of the first person (A) also assigns an access identifier (MCPIN), the first person (A) for the use of the transaction Service to the service computer (SRV).

22. Service computer (SRV) according to claim 21, characterized in that the service computer (SRV) the access identifier (MCPIN) and the at least one telecommunication number (APN, BPN) via the same telecommunication service, in particular via a mobile short message service ( SMS), sends and / or receives.

23. Service computer (SRV) according to one of claims 18 to 22, characterized in that the service computer (SRV) of the first person (A) to use the service, in particular for registration and / or registration of the first person, an access identifier (MCPIN ) as well as a first telecommunication number (APN) indicating a particular mobile first telecommunication terminal (MA) associated with the first person (A).

24. Service computer (SRV) according to one of claims 18 to 23, characterized in that the service computer (SRV) of the first person (A) for initiating the transaction of the amount of money (AOM) the access identifier (MCPIN) and a second telecommunication number (BPN) indicating a particular mobile second telecommunication terminal (MB) associated with the second person (B).

25 service calculator (SRV) according to claim 24, characterized in that the service calculator (SRV) from the first person (A) for initiating the transaction of the amount of money (AOM) an indication of the amount of money (AOM) together with the second telecommunications Number (BPN).

26 service processor (SRV) according to claim 24 or 25, characterized in that the service computer (SRV) from the first person (A) for initiating the transaction of the amount of money (AOM) the access identifier (MCPIN), the second telecommunication number (BPN ) and / or the amount of the amount of money (AOM) via a short message service (SMS) receives.

27. Service computer (SRV) according to one of claims 18 to 26, characterized in that the service computer (SRV) of the first person (A) a transaction number (TAN) to carry out the transaction, in particular via a short message service (SMS ) communicates.

28 service processor (SRV) according to one of claims 18 to 27, characterized in that the service computer (SRV) the first person (A) a list of indexed transaction numbers (iTANL) for performing a plurality of transactions, in particular via a Kurznachrichten- Service (SMS) communicates.

29. Dienstesrechner (SRV) according to one of claims 18 to 28, characterized in that for releasing the cash payment of the amount of money (AOM), the first person (A) or the second person (B) at the ATM (ATM), the first or second telecommunication number (APN; BPN) and the transaction number (TAN) by keyboard input to the ATM (ATM).

30. service processor (SRV) according to claim 29, characterized in that the service computer (SRV) to release the cash payment of the amount of money (AOM) to the first person (A) checks whether the first person (A) the first telecommunications number ( APN) that is known to the service computer (SRV) or from the first one Person (A) has been notified.

31 service computer (SRV) according to one of claims 18 to 30, characterized in that the service computer (SRV) to release the cash payment of the amount (AOM) checks whether the second person (B) indicates the second telecommunications number (BPN) the service computer (SRV) has received from the first person (A) to notify the second person (B).

32. Service computer (SRV) according to one of the claims 24 to 31, characterized in that to release the cash payment of the amount of money (AOM) of the service computer (SRV) of the second person (B) receives the second telecommunication number (BPN), in particular via a mobile short message service (SMS) or a wireless communication interface, such as a Bluetooth interface.

33. Service computer (SRV) according to one of the preceding Ansprächen, characterized in that the service computer (SRV) at least one device for connection to a mobile network to a landline network, to an IP network, in particular the Internet has.

34. System comprising a service computer (SRV) and an ATM connected therewith (ATM) for carrying out a transaction of a cash amount (AOM) from an account of a first person (A) at the ATM (ATM) for cash payment of the cash amount (AOM) to the first person (A) or to a second person (B), whereby the transaction is carried out by means of a transaction service managed by the service computer (SRV), and in order to release the cash payment the service computer (SRV) establishes a connection to the ATM ( ATM), characterized in that the first person (A) also transmits to the service computer (SRV) at least one telecommunication number (APN, BPN) which the service computer (SRV) transmits a notification (CNF, INF) via a Telecommunication service (SMS) to at least one of the persons (A, B) used.

35. System according to claim 34, characterized in that the service computer (SRV) by means of the respective telecommunication number (APN, BPN) communicates with a particular mobile telecommunication terminal (MA, MB), the telecommunication number (APN, BPN ) and that of the first or second person (A, B) is assigned.

36. System according to claim 35, characterized in that the service computer (SRV) checks the at least one telecommunication number (APN, BPN) for authenticating the first or second person (A, B) when the service computer (SRV) communicates with the This telecommunication number (APN, BPN) associated telecommunications terminal (MA, MB) communicates.

37. System according to one of claims 34 to 36, characterized in that the service computer (SRV) of the first person (A) also assigns an access identifier (MCPIN), the first person (A) for the use of the transaction service the service computer (SRV) is transmitted.

38. System according to claims 37, characterized in that the system has a database (DB) connected to the service computer (SRV), in which for the respective person (A) who uses the transaction service, at least the access identifier (MCPIN) and the telecommunications number (APN) associated with that person (A).

39. System according to claim 38, characterized in that in the database (DB) for the respective person (B), to which the amount of money (AOM) is paid, at least the telecommunications number (BPN) is stored, the person (B) is assigned.

40. System according to claim 38 or 39, characterized in that in the database (DB) for the transaction of the amount of money (AOM), at least one Transaction number (TAN) associated with this transaction.

41. System according to one of claims 34 to 40, characterized in that the ATM (ATM) has at least one interface for wireless near-field communication with a mobile telecommunication terminal (MB).