+

WO2004053807A1 - Systeme de paiement au moyen d'un radiotelephone - Google Patents

Systeme de paiement au moyen d'un radiotelephone Download PDF

Info

Publication number
WO2004053807A1
WO2004053807A1 PCT/DE2003/003915 DE0303915W WO2004053807A1 WO 2004053807 A1 WO2004053807 A1 WO 2004053807A1 DE 0303915 W DE0303915 W DE 0303915W WO 2004053807 A1 WO2004053807 A1 WO 2004053807A1
Authority
WO
WIPO (PCT)
Prior art keywords
payment
card
radio telephone
data
customer
Prior art date
Application number
PCT/DE2003/003915
Other languages
German (de)
English (en)
Inventor
Jörg Baldus
Original Assignee
Deutsche Telekom Ag
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 Deutsche Telekom Ag filed Critical Deutsche Telekom Ag
Priority to AU2003291951A priority Critical patent/AU2003291951A1/en
Priority to DE10394129T priority patent/DE10394129D2/de
Publication of WO2004053807A1 publication Critical patent/WO2004053807A1/fr

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
    • G06Q20/04—Payment circuits
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/14—Payment architectures specially adapted for billing systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • 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
    • G06Q20/342—Cards defining paid or billed services or quantities
    • 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
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3821—Electronic credentials
    • G06Q20/38215—Use of certificates or encrypted proofs of transaction rights
    • 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
    • G07F7/025—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 by means, e.g. cards, providing billing information at the time of purchase, e.g. identification of seller or purchaser, quantity of goods delivered or to be delivered

Definitions

  • the invention described below relates to a payment system by means of radio telephone, in which commercial transactions of any kind using club or. Credit cards, in particular the payment for goods and services, can be carried out securely via an open radio link.
  • One of these systems uses a digital signature on a SIM card, which, because of the short key length for the air interface security, for signing and encryption when establishing a connection causes considerable network load and a time expenditure which is very cumbersome for larger amounts of transactions.
  • the second system in which data is transmitted via DTMF tones for a dial-in number for payment and billing, lacks the necessary security for the transmission of credit card information. To generate this, the connection would have to be cryptologically tunneled, which also increases the network load.
  • DE 198 05 056 AI and DE 198 33 643 AI also propose to use a credit card or Eurocheckcard EC for the operation of a mobile radio telephone and therein also for payment processes.
  • communication with the bank issuing the card and entering the PIN with corresponding security risks is required.
  • the object of the invention is to overcome the problem of contradictions between the network load for security-relevant communication in financial transactions from any EC, credit and club cards and to radically reduce the time required.
  • Fig. 1 is a diagram of the components of the system and Fig. 2 is a diagram of the processing operations in the system.
  • the participant in this payment system who wants to make use of a product or service, hereinafter referred to briefly as a mobile customer, is provided with a certificate card 1 with a magnetic stripe or chip by the mobile radio operator or the provider of commercial services, which the mobile radio customer issues before the payment process or at the beginning of the payment process, in addition to the first chip card for radio operation, is in a reading or contact position of its mobile device 2 (a dual-slot cell phone).
  • a certificate card 1 with a magnetic stripe or chip by the mobile radio operator or the provider of commercial services, which the mobile radio customer issues before the payment process or at the beginning of the payment process, in addition to the first chip card for radio operation, is in a reading or contact position of its mobile device 2 (a dual-slot cell phone).
  • the payee 3 gives his data relevant to the payment process 4, for example, type of service, amount, with invoice number, credit account of the payee and terminal ID and the like. Like. Known, which are essential for the payment process.
  • an encrypted and signed data packet is then transmitted from customer 2's radio telephone to a special dial-in point on a special dial-in server of the respective mobile radio operator 5.
  • This is connected to a trust center 6 and decrypts the data packet.
  • the data If the data are recognized as complete and correct, they can be processed and handed over to a clearing house 7, which is connected to a bank server 8 and, according to FIG. 2, checks for possible blocking and creditworthiness. If the certificate card 1 is blocked or lost, the payment process is terminated, as is the case if the customer is not sufficiently creditworthy, and a corresponding message is sent to the payee 3. Otherwise the data packet is transferred to the dial-in server. The data is checked again and the payment is settled. The payment process is confirmed to the payee 3, which completes the payment process and, for example, the dealer can hand over the goods to the customer.

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Computer Security & Cryptography (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

Les opérations de paiement par liaison radio sont pénalisées par des problèmes liés à la sécurité et à la durée de la transaction. L'objectif de l'invention est de trouver un compromis entre deux mesures contradictoires, à savoir une diminution de la charge du réseau pour les communications touchant à la sécurité lors de transactions financières effectuées au moyen de cartes Ec, cartes de crédit, cartes de club quelconques, et une réduction importante de la durée de la transaction. Cet objectif est atteint par le système de paiement selon l'invention. Ce système utilise, outre la carte pour la liaison radio, une carte de certificat dans le radiotéléphone. De plus, un paquet de données signées et codées est formé à partir des données pertinentes pour le bénéficiaire et l'opération de paiement, associées aux données pour la liaison avec la banque du client, au moyen de la carte de certificat, ledit paquet devant être transmis uniquement à l'opérateur de radiotéléphonie. Ce système de paiement trouve des applications dans les transactions commerciales de tous types, effectuées au moyen de cartes de club ou de cartes de crédit, notamment pour le paiement de marchandises et de services, lesdites transactions étant réalisées de manière sécurisée par l'intermédiaire d'une liaison radio ouverte.
PCT/DE2003/003915 2002-12-06 2003-11-26 Systeme de paiement au moyen d'un radiotelephone WO2004053807A1 (fr)

Priority Applications (2)

Application Number Priority Date Filing Date Title
AU2003291951A AU2003291951A1 (en) 2002-12-06 2003-11-26 Paying system by radiotelephone
DE10394129T DE10394129D2 (de) 2002-12-06 2003-11-26 Zahlungssystem mittels Funktelefon

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
DE10258119.3 2002-12-06
DE10258119A DE10258119A1 (de) 2002-12-06 2002-12-06 Zahlungssystem mittels Funktelefon

Publications (1)

Publication Number Publication Date
WO2004053807A1 true WO2004053807A1 (fr) 2004-06-24

Family

ID=32477587

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/DE2003/003915 WO2004053807A1 (fr) 2002-12-06 2003-11-26 Systeme de paiement au moyen d'un radiotelephone

Country Status (3)

Country Link
AU (1) AU2003291951A1 (fr)
DE (2) DE10258119A1 (fr)
WO (1) WO2004053807A1 (fr)

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2013127520A1 (fr) 2012-02-28 2013-09-06 Giesecke & Devrient Gmbh Libération de transaction authentifiée
CN108985753A (zh) * 2018-07-05 2018-12-11 四川长虹电器股份有限公司 一种使用苹果手机实现地铁刷卡的方法

Citations (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
DE10032404A1 (de) * 1999-07-06 2001-02-15 Gsi Ges Fuer Systemtechnik Und Mobiltelefon
DE10046781A1 (de) * 2000-09-21 2001-05-03 Fiedler Holger Vorrichtung zum mobilen Telefonieren mit mehrern Chipkarten
EP1107196A1 (fr) * 1998-08-07 2001-06-13 Ali Hassan Al-Khaja Système électronique sans fil pour effectuer des transactions
US20010023411A1 (en) * 1998-08-27 2001-09-20 Christine Born Method for acquiring electronic data using a data medium, and corresponding data medium
EP1178450A2 (fr) * 1994-10-28 2002-02-06 Behruz Vazvan Système de télépaiement en temps réel
DE10050298A1 (de) * 2000-09-15 2002-04-04 Amatech Ag Identifizierungs-, Authentisierungs- bzw. Autorisierungsverfahren mittels eines persönlichen elektronischen Geräts
CA2325895A1 (fr) * 2000-11-16 2002-05-16 Sagem Sa Procede de paiement securise

Patent Citations (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP1178450A2 (fr) * 1994-10-28 2002-02-06 Behruz Vazvan Système de télépaiement en temps réel
EP1107196A1 (fr) * 1998-08-07 2001-06-13 Ali Hassan Al-Khaja Système électronique sans fil pour effectuer des transactions
US20010023411A1 (en) * 1998-08-27 2001-09-20 Christine Born Method for acquiring electronic data using a data medium, and corresponding data medium
DE10032404A1 (de) * 1999-07-06 2001-02-15 Gsi Ges Fuer Systemtechnik Und Mobiltelefon
DE10050298A1 (de) * 2000-09-15 2002-04-04 Amatech Ag Identifizierungs-, Authentisierungs- bzw. Autorisierungsverfahren mittels eines persönlichen elektronischen Geräts
DE10046781A1 (de) * 2000-09-21 2001-05-03 Fiedler Holger Vorrichtung zum mobilen Telefonieren mit mehrern Chipkarten
CA2325895A1 (fr) * 2000-11-16 2002-05-16 Sagem Sa Procede de paiement securise

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2013127520A1 (fr) 2012-02-28 2013-09-06 Giesecke & Devrient Gmbh Libération de transaction authentifiée
CN108985753A (zh) * 2018-07-05 2018-12-11 四川长虹电器股份有限公司 一种使用苹果手机实现地铁刷卡的方法

Also Published As

Publication number Publication date
DE10258119A1 (de) 2004-07-15
DE10394129D2 (de) 2005-10-27
AU2003291951A1 (en) 2004-06-30

Similar Documents

Publication Publication Date Title
DE60308385T2 (de) Verfahren zur Unterstützung bargeldloser Zahlung
EP1240632B1 (fr) Procede et systeme de transaction de paiement
DE69314804T2 (de) Verfahren zum durchführen von finanziellen transaktionen mittels eines mobilen telephonsystems
EP1178444B1 (fr) Paiement électronique utilisant des SMS
EP1203357A1 (fr) Commerce electronique pour services d'envoi de messages courts
DE19903363C2 (de) Verfahren und System zur Durchführung von bargeldlosen Finanztransaktionen
WO2002023303A2 (fr) Procede destine a securiser une transaction sur un reseau informatique
EP1602088A2 (fr) Procede et systeme pour initier et/ou realiser une transaction en relation avec au moins deux declarations de volonte qui correspondent
WO2005031667A1 (fr) Procede pour effectuer une transaction electronique
DE10003875A1 (de) Zahlungsausführungsvorrichtung zur bargeldlosen Zahlung und Verfahren zur Ausführung einer bargeldlosen Zahlung
EP0957624B1 (fr) Procédé pour l'acceptation de frais d'appel pour connexions individuelles, réseau téléphonique et terminal
WO2013011043A1 (fr) Système mobile pour transactions financières
EP1326216A1 (fr) Procédé et dispositif pour paiements électroniques avec des dispositifs de communication portables
WO2004053807A1 (fr) Systeme de paiement au moyen d'un radiotelephone
EP1081919B1 (fr) Méthode pour donner une autorisation pour le payment de biens et/ou services achetés sur Internet dans des réseaux de transmission de données
EP1486088B1 (fr) Procede de mise en oeuvre et de facturation de fonctions wim dans des terminaux de communication mobiles
EP1310928B1 (fr) Méthode pour effectuer une transaction monétaire utilisant un réseau de communication
EP1437668B1 (fr) Procédé pour le paiement de marchandises ou de services sans argent liquide au moyen d'un terminal radio mobile
DE102004041356B4 (de) Verfahren und System zur sicheren Abwicklung von elektronischen Finanzdienstleistungen mithilfe einer elektronischen Finanzdienstleistungsvermittlungseinrichtung
WO2001081875A2 (fr) Procede de paiement securise de livraisons et de services dans des reseaux ouverts
WO2005008608A1 (fr) Systeme de paiement, terminal de systeme de paiement et procede pour realiser un paiement electronique
DE10210792B4 (de) Verfahren und System zur Freischaltung eines kostenpflichtigen Mobilfunk- oder Online-Dienstes
EP1371038B1 (fr) Procede et dispositif permettant d'effectuer au moins une transaction a titre onereux
DE10331733A1 (de) Bezahlsystem
DE20310759U1 (de) Bezahlvorrichtung und Terminal

Legal Events

Date Code Title Description
AK Designated states

Kind code of ref document: A1

Designated state(s): AE AG AL AM AT AU AZ BA BB BG BR BY BZ CA CH CN CO CR CU CZ DE DK DM DZ EC EE ES FI GB GD GE GH GM HR HU ID IL IN IS JP KE KG KP KR KZ LC LK LR LS LT LU LV MA MD MG MK MN MW MX MZ NI NO NZ OM PG PH PL PT RO RU SC SD SE SG SK SL SY TJ TM TN TR TT TZ UA UG US UZ VC VN YU ZA ZM ZW

AL Designated countries for regional patents

Kind code of ref document: A1

Designated state(s): BW GH GM KE LS MW MZ SD SL SZ TZ UG ZM ZW AM AZ BY KG KZ MD RU TJ TM AT BE BG CH CY CZ DE DK EE ES FI FR GB GR HU IE IT LU MC NL PT RO SE SI SK TR BF BJ CF CG CI CM GA GN GQ GW ML MR NE SN TD TG

121 Ep: the epo has been informed by wipo that ep was designated in this application
REF Corresponds to

Ref document number: 10394129

Country of ref document: DE

Date of ref document: 20051027

Kind code of ref document: P

WWE Wipo information: entry into national phase

Ref document number: 10394129

Country of ref document: DE

122 Ep: pct application non-entry in european phase
NENP Non-entry into the national phase

Ref country code: JP

WWW Wipo information: withdrawn in national office

Ref document number: JP

点击 这是indexloc提供的php浏览器服务，不要输入任何密码和下载