Classifications

• • G—PHYSICS
  • G07—CHECKING-DEVICES
  • G07F—COIN-FREED OR LIKE APPARATUS
  • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
  • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
  • G07F7/0866—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means by active credit-cards adapted therefor
• • 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
  • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
  • G06Q20/343—Cards including a counter
  • G06Q20/3433—Cards including a counter the counter having monetary units
• • 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
  • G06Q20/363—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user
• • G—PHYSICS
  • G07—CHECKING-DEVICES
  • G07F—COIN-FREED OR LIKE APPARATUS
  • G07F17/00—Coin-freed apparatus for hiring articles; Coin-freed facilities or services
  • G07F17/0014—Coin-freed apparatus for hiring articles; Coin-freed facilities or services for vending, access and use of specific services not covered anywhere else in G07F17/00
• • G—PHYSICS
  • G07—CHECKING-DEVICES
  • G07F—COIN-FREED OR LIKE APPARATUS
  • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
  • G07F7/02—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices
• • H—ELECTRICITY
  • H04—ELECTRIC COMMUNICATION TECHNIQUE
  • H04M—TELEPHONIC COMMUNICATION
  • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems

Definitions

• the present invention relates to an access and billing method using a chip card for obtaining services from telecommunications and supply networks, and a billing method using a chip card for obtaining services and / or goods using an electronic transfer method.
• a first chip card and a second chip card are used.
• the first chip card is housed in a terminal and the second chip card is housed in the switching technology.
• a subscriber enters his PIN using a keyboard and identifies himself to the first chip card.
• the first chip card then authenticates itself to the second chip card.
• billing with the service provider is carried out in such a way that the credit values over the network gradually, depending after the service provided, that is, depending on the amount of the cost of a connection, "devalued", which is usually done via a centrally generated fee impulse.
• this system requires a charge pulse or similar measures to be provided centrally in order to validate the stored credit values, and in this mode of operation corresponds to a conventional card telephone.
• the prepaid card can be a rechargeable card. Similar to the system described above, the credit on the card is canceled centrally using a fee impulse.
• an access and billing method by means of a chip card for obtaining services and / or supplies from telecommunications networks, supply networks and the like, using a decentralized subscriber switching system with a peripheral counting and locking element and a subscriber switching device connected to it.
• a chip card is provided and / or initialized with a first storage device for value points that authorize the purchase of services and / or supplies from one or more specific operators and / or suppliers.
• one or more specific amounts of money are transferred to the operator or operators and / or suppliers and a value point set corresponding to these or these amounts of money is stored in the first memory device of the chip card.
• the decentralized subscriber switching system By communicating the peripheral counter and locking element with the chip card inserted in the subscriber switching device, the decentralized subscriber switching system is activated and the respective services and / or supplies are obtained. Finally, the amount of value points is reduced in accordance with the services and / or supplies purchased. This means, on the one hand, no system return is necessary in the previous method, since a certain amount of value points can be stored on the chip card and, on the other hand, a high level of security is guaranteed, since the activation of a decentralized subscriber interface system is not through communication with a control center but through communication between the chip card and a peripheral counter and locking member.
• this method does not require a charge pulse or the like to be transmitted from a central office, since the billing, that is to say the cancellation, is carried out decentrally, so that the processing to be carried out in the central office is considerably simplified since there is no such charge pulse or the like for any current one Participants must be provided.
• the decentralized peripheral counter and interlocking elements do not always have to be connected online to a control center.
• a billing method by means of a chip card for the purchase of goods and / or services using a dealer / service provider-side programming device and a customer / subscriber-side connecting device or access box is created.
• a chip card with a first storage device for transfer-relevant data is provided and / or initialized.
• the transfer-relevant data are stored with the programming device via a network in the first memory device of the chip card inserted in the connecting device.
• the transfer is carried out on the basis of the transfer-relevant data and a purchase of the goods and / or services is initiated.
• FIG. 1 shows a decentralized subscriber switching system for telecommunication networks used in a first exemplary embodiment of the present invention
• FIG. 2 shows a decentralized subscriber switching system for supply networks used in the first exemplary embodiment of the present invention
• FIG. 3 shows a further decentralized subscriber switching system for supply networks used in the first exemplary embodiment of the present invention
• 5 shows a flowchart of debiting value points according to the first exemplary embodiment of the present invention
• 6 shows a prepayment process according to the first embodiment of the present invention
• connection system 7 shows a connection system used in a second exemplary embodiment of the present invention.
• FIG. 9 shows a flowchart of a first part of a simplified electronic transfer method according to the second exemplary embodiment of the present invention.
• FIG. 10 shows a flowchart of a second part of the simplified electronic transfer method according to the second exemplary embodiment of the present invention.
• FIG. 11 shows a prepayment process according to the second embodiment of the present invention.
• a decentralized subscriber connection system for telecommunication networks which consists of at least one programmable peripheral connection point which initially at least partially blocks network access for the connected subscriber and this peripheral connection point only after the subscriber has connected at least one subscriber connection device even by inserting, unlocking, or unlocking a smart card in it if the microprocessor of the chip card has transferred valid value points to the microcontroller at the switch-on point so that it can activate it (for a certain period of time, partially or for a certain contingent of fees), which enables the subscriber to (partially) perform services via the network to use the appropriate period.
• reference number 1 denotes the decentralized subscriber switching system
• reference number 2 denotes a programmable peripheral connecting element
• reference number 2a denotes a TAE or antenna socket
• reference number 3 denotes a subscriber switching device
• reference numbers 4 and 6a denote residential-related supply lines
• reference number 5 a telecommunications network or program distribution network
• the reference symbols 6 and 7 denote feed lines
• the reference symbol 8 denotes a receiving device or subscriber terminal.
• the decentralized subscriber switching system 1 consists of the peripheral connecting element 2, which is connected between the housing-related supply lines 4 and 6a, the already existing TAE or antenna socket 2a and the mobile subscriber switching device 3, which is connected to the supply line 6 from the TAE or antenna socket 2a is switched.
• the peripheral interface 2 in the form of an intelligent locking point for analog two-wire or.
• Broadband coaxial networks or a controllable base connection for ISDN two-wire networks is connected on the input side to at least one telecommunications network or program distribution network 5 via at least one main line, that is to say the feed line 4.
• the connecting element 2 is connected to the connecting device 3 via the housing-related supply line 6 and the TAE socket 2a, and this connecting device 3 is in turn connected via the supply line 7 to the at least one receiving device or subscriber terminal device 8.
• a chip contact is located in the connection device 3 and the corresponding programmable microcontroller is located in the connection element 2. Between these, a debiting process for debiting a value point quantity on the chip card takes place.
• the chip card is loaded in a cash dispenser, which also initiates a transfer.
• the TAE socket or antenna socket 2a is a stub antenna socket in coaxial networks.
• decentralized subscriber interface system is only described for telecommunications networks and not for supply networks in general, for which this interface system can also be used.
• a peripheral locking device at a peripheral connection point can only be released by the subscriber if the subscriber has been authorized to do so and has a billing card with valid value points.
• a peripheral locking device in the form of an electronic counter can also be used for the supply networks - and switching element are installed, so that the supply depends in whole or in part on whether the participant can prove paid value points or a valid authorization card for it.
• value points are transferred to the microcontroller at the switch-on point so that it can activate for a certain period of time, for a certain power contingent of the supply power (for electricity (kWh), for gas and water (m)), which generally means a prepaid or prepayment system for landlines.
• FIGS 2 and 3 show decentralized subscriber switching systems that can be used in supply networks.
• reference number 10 denotes the decentralized subscriber switching system for supply networks
• reference number 11 denotes an input-side supply line
• reference number 12 denotes a peripheral counting and locking element
• reference number 13 denotes a line
• reference number 14 denotes a subscriber switching device with chip card reader and writer
• the reference numeral 15 denotes an output line.
• the supply line 11 on the input side is connected to the peripheral counting and locking element 12.
• the peripheral counting and locking element 12 is also connected to the subscriber switching device 14.
• the subscriber switching device 12 is connected to the line 15 on the output side, so that a supply with, for example, energy, electricity, gas, water, etc. is ensured.
• the input side Supply line 11 connected to the peripheral counter and locking member 12. Furthermore, the peripheral counting and locking element 12 is connected to the line 15 on the output side. The peripheral counting and locking element 12 is also connected to the subscriber switching device 14 via the line 13, this connection being able to be of any length or also wireless, for example via radio. Accordingly, a supply of, for example, energy, electricity, gas, water, etc. is also guaranteed here.
• connection of subscribers to communication networks and supply networks can also remain anonymous and the use of services and services is determined by the subscriber himself.
• the very complex system return for the administration, operation and billing of the participants is therefore dispensed with and thus an access authorization with prepayment character is obtained.
• the system return is the payment itself, which is made as a purchase or top-up of the prepaid card or as a transfer from the chip card to the account of the operator who is authorized to receive the fee for the marketing of the services from the respective networks.
• This operator has previously programmed its peripheral connection point with all the data important for billing and administration.
• This programming is carried out with a handheld programming device or programmer (not described in more detail here) via the respective own network or also via a third-party network by means of remote data transmission.
• This new chip card or authorization card serves as a transfer card, which only carries out transfers from a customer account to an operator account and receives a value corresponding to this amount of value points, so to speak, as a receipt for this transfer, with which the participant retrieves services or supplies, even if the transfer amount is chosen freely or can relate.
• This application can be saved in any form of electronic cash cards in an existing additional function, with which every form of electronic commerce can be fulfilled. With this card, no cash is loaded, but this cash is transferred electronically from the participant or customer account to the operator or service provider account.
• Access to services from networks is only ensured if the user has acquired the authorization to do so.
• the so-called counter and interlocking element is available in the decentralized subscriber switching system for telecommunications networks and supply networks, which is able to count the consumption and, when a quantity exceeding the prepaid amount is reached, causes the connection to be completely or partially locked again.
• a partial locking for example for acceptance categories, low loads and full loads or small quantities and large quantities, is intended to maintain a certain emergency supply, which may be necessary if a complete shutdown is particularly hard would entail.
• the subscriber switching device can be connected to the peripheral switching element via a separate line, via which the subscriber switching device can supply the peripheral switching element with energy and vice versa and via which a cryptographic data exchange between the microcontroller in the peripheral counter and Locking element and the microcontroller can take place in the electronic cash chip card inserted into the subscriber switching device.
• the chip card when it is inserted for the first time, learns the data record previously stored in the peripheral switching element and transferred there by the operator / provider by means of a programming device with location data, name and bank details of the operator / provider.
• the customer / participant In order to be able to carry out the transfer, the customer / participant must insert this chip card into a charging terminal of a bank or transmit this data to his bank by remote data transmission so that the transfer is carried out.
• the amount of money is then converted into a so-called replacement currency in the form of value points using one of the additional functions on the cash card.
• the peripheral connection point of a telecommunications network or supply network is connected to a subscriber connection device via the subscriber-related signal line, via which the power supply to the peripheral connection point and the data exchange between the controllers take place in the peripheral connection point and in the chip card.
• This data connection is used for data exchange, which ultimately monitors the type of authorization and the duration of authorization for subscriber access and / or the amount of the fee quota and / or the utility service.
• the peripheral connection point can be within the area of responsibility of the network operator, also outside the range of the subscriber, and can only be programmed or reprogrammed by the operator either before installation and on site, optionally via a third-party network or via the distribution network with the signals supplied there using a programming device.
• It contains a serially programmable microcontroller, which with the data of the network operator, its address, its bank connection, further with the data of the connection point, its exact location and numbering, as well as with the data of the purchased services and the respective billing factor, which is the basis for authorization recognition and pricing, can be programmed.
• This peripheral connection point can be used as a single switching element or as a peripheral counter and interlocking element between the respective output of telecommunication networks and supply networks and the home-related connection or also as a single component in networks, so that so-called individual blocking elements are created which give access to these networks in one or both directions regulate in whole or in part.
• changeable data such as name, address of the network operator / service provider, his bank details and the billing factor can be reprogrammed at any time as the basis for billing. This is done to prevent misuse and unauthorized switching on.
• the network operator / service provider can thereby primarily switch off, limit or switch through the connection if he deems it necessary. This can be useful if he does not want the participant to expect the prepaid service, gives him a permanent free card in the form of an activation chip card, as previously delivers against invoice or debit, and must lock it when the payment arrives.
• a decentralized subscriber interface system can also be implemented here in a manner analogous to that described for the telecommunications networks:
• the supply is locked by a so-called load contactor or another switch, such as an electronic load switch.
• the microcontroller in the peripheral counter and interlocking element is programmed using modern concepts for communication, for example via the power network (Powerline communication systems), which means that low-frequency data can be transmitted to all individual medium-voltage cables and the low-voltage local area network to the individual house connection. in order to be able to take over control and regulation tasks. Since this data network is currently still in the trial phase, but it can also be expected that it will be expanded nationwide in the future, it is possible for the network operator to influence this microcontroller from the outside at any time via its own data network. This gives the energy supplier the option of making changes and tamper protection.
• the connecting device can be integrated in the peripheral counter and locking element or better connected from there in the direction of an output distribution network at any point. If a valid prepaid card is introduced there, the lock will be released and the service or for how long the available amount of value points will be displayed.
• peripheral counting and interlocking element with electrical impulses which can be integrated into a meter, must be supplied with additional electrical current so that the data can be recognized which control the interlocking from the subscriber switching device, depending on what authorization a customer has.
• a microcontroller must be located in the control part of such a valve (peripheral switching element), which can either be programmed by an external interface or can be influenced by external data transmission.
• the respective participant receives a participant switching device with chip contacting device and optionally also a supplied and initialized microprocessor card.
• This microprocessor card is a first special form of the billing card, as has already been described.
• the previously mentioned operating system has been programmed into this billing card and it will open the access point for the first time for a certain time and / or for a certain charge contingent and / or for a certain supply service when it is first inserted into the subscriber switching device and will be accessed via the
• the contacting device stores the operator-specific data, such as name, address, bank details of the operator or billing service provider, purpose of use, location of the peripheral connection point, etc.
• the chip card After this card has become increasingly devalued, the chip card must be recharged in the same way as another cash card (cash card) if it has been voided.
• this card is pushed into a top-up terminal just like a cash card and with the help of an additional or additional function, a cash deposit is order, which the customer can choose freely, is not stored as electronic cash as before, but instead is transferred to the account of the respective network operator using the information stamped on the card using the specific connection point and the other specific data due to this special form of the card.
• This transfer order can also be done offline or online using remote data transmission.
• the participant must provide the money, as when topping up a conventional cash card, either via cash himself or via a credit card with conventional identification (PIN) and the selected amount of money, about which the participant is informed accordingly, is already transferred online to the operator's account during the transfer or Transferred to the service provider.
• PIN conventional identification
• the software implemented in the microchip creates a countervalue for the money transferred in the form of a point amount, which is booked through the secondary function of the storage unit provided for this purpose.
• the subscriber will bring his card to his subscriber switching device. There he can (with the help of the new points) open his peripheral switch-on point or take up or consume fees and utilities.
• the number of points is proportional to the time units, fee units or consumption quantities now available to him, for which access to the supply network or supply network remains open.
• the respective residual value on, for example, days, fees, consumption quantities or points is shown on a display or a display of the control unit.
• the network operator or supplier also has the advantage that there is transparency for the utilization of his network by informing him of the point at which the subscriber is connected as the purpose of the transfer, which is what the network operator and provider can be evaluated and he knows, for example, exactly where there are connections that ultimately are rarely or not used at all. In this way, he can selectively acquire additional subscribers without having to register subscribers by name and address.
• the subscriber in turn, remains anonymous and completely free to choose his desired services from the home-related lines for communication services and utilities and can also block access to his switch-on point to save fees if there is a long absence from the apartment during vacation, illness or in the case of a second home.
• the participant knows to whom and for what purpose money is paid and can clearly assign the amount chosen by him and ultimately made available during the transfer in the case of transfer from the account. If the authorization card is topped up with cash, a receipt can be printed out in the form of an account statement at any time.
• these "boundary cards” are also validated with a cash amount chosen by the participant himself and the validity is then used on a daily, fee or quantity basis depending on the value of the selected category.
• the limitation card can only perform a limitation function if the main card has already been canceled by transferring the value point to the peripheral connection point.
• the following is a description of a distribution of a certain transfer amount among different payment recipients.
• the software can already determine what proportion of the amount transferred must be divided among the respective sub-suppliers. This is done by storing further transfer data that are related to a specific accounting ratio, which creates a so-called accounting cascade.
• connection devices for the use of services from different NEN telecommunications networks or supply networks can be integrated in a single billing center for a subscriber.
• a so-called multimedia or multifunctional accounting or control center can be created. This can preferably be set up in a telephone terminal.
• a participant wants to transfer a higher amount to the network operator / utility account using the authorization card and thus wants to create a higher balance for a longer period or more fee balances, he should be offered a non-linear amount of points as interest compensation.
• This type of discount is popular with smart card applications and prepayments.
• the subscriber has the opportunity to set his own budget when connecting to a media supply or other forms of services on telecommunication networks and supply networks.
• the network operator and supplier has the advantage that the service he offers is already paid for when it is called up and that it is no longer necessary to send prepaid cards or issue invoices or otherwise monitor the payment process.
• the interest advantage of the prepaid character for the network operator and supplier is balanced. Advance payments can also be made.
• FIG. 4 shows a previously described process of loading a set of value points onto the chip card for the use of telecommunications and supply services from networks and lines
• FIG. 5 shows a previously described process of debiting from the chip card for the use of telecommunications and utilities shows services from networks and lines
• FIG. 6 shows a simple prepayment process or prepaid process in the decentralized subscriber switching system, in which, after the transfer between operator, subscriber and bank, a value point set is created on the card.
• the second exemplary embodiment of the present invention describes a billing method with a chip card for the purchase of goods and services of a general type in such a way that, via a telecommunication network, chip card inserted into a connecting device for transfer from a programming device of a supplier or service provider, which is similar to the programming device of the network operator mentioned above, can be transmitted for the purpose that the subscriber or customer can then arrange for the payment himself or herself if he / she transfers the transfer order or several transfer orders directly on his chip card just inserted in the connecting device can be carried out at the loading terminal of a bank or online via a data transmission path to a bank, recognizing the account he has selected and using the usual security provided by his preferred bank.
• the special feature of this process is that the "money transport" service is located exclusively in the banking sector, so that all precash and prepayment services can be conveniently used, thereby providing a high security standard for the money transfer and transfer orders is.
• the basic idea of the method is that the system does not have to have its own way back or an online connection to a billing center or evidence center or to a bank. Rather, according to this second exemplary embodiment of the present invention, a transfer is made to an account of a dealer or service provider previously read in on the chip card in the eye. view in which the participant causes the chip card at the loading terminal to make a transfer.
• This new chip card or authorization card thus serves as a transfer card, which only transfers from a customer account to a participant account.
• This application can be saved in any form of electronic cash cards in an existing additional function, with which every form of electronic commerce can be fulfilled. With this card, no cash is loaded, but this cash is transferred electronically from the participant or customer account to the dealer or service provider account. This avoids an uncontrollable amount of money.
• FIG. 7 in which an activation system for electronic transfers or electronic cash transfers is shown.
• the reference numeral 16 denotes network lines
• the reference numeral 17 denotes a programming device on the part of the service provider / dealer
• the reference symbol 18 denotes a connecting device for a chip card on the part of the subscriber.
• the service provider / dealer is connected to the switching device 18 by means of his programming device 17 and a dealer card optionally provided in it via the power lines 16.
• the programming device 17 transmits a transfer command or transfer-relevant data to the connecting device 18 in order to save this or these after confirmation by the subscriber in the subscriber's chip card.
• FIG. 8 in which the same reference numerals as in FIG. 7 designate the same or corresponding parts.
• system. 8 shows an overall structure of a device used in the second exemplary embodiment of the present invention.
• system. 8 shows the structure of programming devices 17 connected via the network lines 16, which are located at the service provider or dealer, and the connecting devices 18, which are located at the subscriber or customer, for the purpose of transferring and confirming transfer orders.
• the billing method an electronic cash bank transfer method
• the billing method can be used for the purpose of purchasing services and goods , further simplified by the fact that in this case a point value does not necessarily have to be generated for a specific consideration. In this case, it is sufficient to carry out the simple transfer even without generating an equivalent value point set in order to claim certain goods and services against pre-payment or prepayment.
• This chip card can also be referred to as a transfer card with and without a validation function, as an authorization card or an electronic card with a transfer function.
• the operating system contains the usual security hierarchies designed according to the respective cryptological standard in order to contain the misuse accordingly.
• This application is made possible by a combination of one or many connection devices on the subscriber or customer side, which are connected to one or many programming devices from service providers or dealers via a network, for example the Internet, telephone network or broadband network.
• a network for example the Internet, telephone network or broadband network.
• This application can also be integrated into all peripheral solutions and all current applications belonging to the state of the art.
• a prepayment process for a service desired by the participant / customer (teleshopping, electronic commerce, ordering catalog goods, books, even all use of services such as insurance and all other things for which there is a targeted purchase intention) created in such a way that the provider of these services and goods, which the subscriber or customer bindingly orders, for example in a telephone call or online at the click of a mouse, by means of a programming device which the provider must also have, just his account number and the transfers the relevant purpose, ie all transfer data including bank details online, if necessary after confirmation to the chip card in the participant's connecting device, this data then arrives there on the participant's chip card and this participant then, after making various purchases and various Has confirmed orders and payment services, can then take this chip card to the bank on any day in order to then be able to make all the transfers stored there by confirming them individually at the bank loading terminal.
• the route to the loading terminal of the bank can of course be avoided if currently existing remote data transmission is used for transfer orders according to the HBCI standard and the like. Only after the transaction has been completed can the participant assume that the service that has since been paid for will be fulfilled.
• the difference to the method when used in the decentralized subscriber interface system of the first exemplary embodiment of the present invention and this method when used in general interface systems according to the second embodiment of the present invention is, however, that there is not an additional value point set for an electronic replacement currency on the chip card must be mapped, for example, to be able to use a service separately, since the order has already been placed with the payment.
• this type of application according to the second exemplary embodiment of the present invention simplifies the application according to the first exemplary embodiment of the present invention by an essential point and everyone, seller and buyer alike, retains all rights.
• the customer has the right to exchange, as if he paid cash on delivery, and the previous applications with payments by credit card or other debiting procedures, which entail dangers, are no longer necessary.
• the simple operation at the terminal can then be implemented by everyone, even if there is no PC or the like. All the data required for the transaction can be read out on a small, manageable display on the controller.
• the controller should have a keypad on which, for example, the "Confirm" button plays a special role.
• the special thing about this billing process is that every money transfer takes place within the banks, both the storage of the transfer order on the card and the execution of the transfer order can be confirmed by the participant separately, the card identification and plausibility check is carried out at the respective exchange terminal and there is great security against misuse due to the double confirmation.
• the account to be debited can be checked with an EC card or cash payment can be granted. In addition, it can be checked online whether the availability limit for the transfer is large enough. Otherwise it would not be carried out.
• FIG. 9 shows a flowchart of part of a simplified electronic transfer method for the purchase of services and / or goods
• the flowchart relating to a first step of transmitting the transfer data into an additional or 10 shows a flowchart of part of a simplified electronic transfer method for obtaining services and / or goods
• the flowchart relating to a second step of a Money transaction that is, executing a transfer order from the additional function
• FIG. 11 shows a simple prepayment process or prepaid process without creating a value credit, in which a transfer order is stored on the switching device and the transfer from the customer / participant account to the Dealer / service provider account.
• chip card can also be implemented which can be used both for the method according to the first exemplary embodiment of the present invention and for the method according to the second exemplary embodiment of the present invention.

Landscapes

• Engineering & Computer Science (AREA)
• Business, Economics & Management (AREA)
• General Physics & Mathematics (AREA)
• Physics & Mathematics (AREA)
• Computer Networks & Wireless Communication (AREA)
• Accounting & Taxation (AREA)
• Strategic Management (AREA)
• General Business, Economics & Management (AREA)
• Theoretical Computer Science (AREA)
• Finance (AREA)
• Microelectronics & Electronic Packaging (AREA)
• Computer Security & Cryptography (AREA)
• Signal Processing (AREA)
• Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)
• Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
• Meter Arrangements (AREA)

Priority Applications (5)

Applications Claiming Priority (6)

Publications (2)

Family

ID=27217817

Family Applications (1)

Country Status (5)

Cited By (1)

Citations (7)

• 1998
  • 1998-10-12 EP EP98965131A patent/EP1050031A2/de not_active Withdrawn
  • 1998-10-12 AU AU20471/99A patent/AU2047199A/en not_active Abandoned
  • 1998-10-12 WO PCT/EP1998/006471 patent/WO1999020035A2/de not_active Application Discontinuation
  • 1998-10-12 CA CA002307032A patent/CA2307032A1/en not_active Abandoned
  • 1998-10-12 JP JP2000516477A patent/JP2001520427A/ja active Pending

Patent Citations (7)

Also Published As

Similar Documents

Legal Events