WO2004032449A2 - Procede de reglement de prestations et/ou de services fournis a un utilisateur par un fournisseur par l'intermediaire d'internet - Google Patents

Procede de reglement de prestations et/ou de services fournis a un utilisateur par un fournisseur par l'intermediaire d'internet Download PDF

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Publication number
WO2004032449A2
WO2004032449A2 PCT/DE2003/003267 DE0303267W WO2004032449A2 WO 2004032449 A2 WO2004032449 A2 WO 2004032449A2 DE 0303267 W DE0303267 W DE 0303267W WO 2004032449 A2 WO2004032449 A2 WO 2004032449A2
Authority
WO
WIPO (PCT)
Prior art keywords
credit card
services
credit
data
user
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Ceased
Application number
PCT/DE2003/003267
Other languages
German (de)
English (en)
Other versions
WO2004032449A3 (fr
Inventor
Helmut Kunkel
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Telekom Deutschland GmbH
Original Assignee
T Mobile Deutschland GmbH
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by T Mobile Deutschland GmbH filed Critical T Mobile Deutschland GmbH
Priority to AU2003281926A priority Critical patent/AU2003281926A1/en
Priority to EP03773473A priority patent/EP1550088A2/fr
Publication of WO2004032449A2 publication Critical patent/WO2004032449A2/fr
Publication of WO2004032449A3 publication Critical patent/WO2004032449A3/fr
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

Links

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
    • G07F7/02—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
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/22—Payment schemes or models
    • G06Q20/28—Pre-payment schemes, e.g. "pay before"
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/3437—Cards including a counter the counter having non-monetary units, e.g. trips
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
    • H04M15/51—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP for resellers, retailers or service providers
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
    • H04M15/68—Payment of value-added services
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H04M17/10—Account details or usage
    • H04M17/106—Account details or usage using commercial credit or debit cards
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H04M2017/14—Prepayment of wireline communication systems, wireless communication systems or telephone systems using commercial credit/debit cards, e.g. VISA, AMEX
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/01—Details of billing arrangements
    • H04M2215/0196—Payment of value-added services, mainly when their charges are added on the telephone bill, e.g. payment of non-telecom services, e-commerce, on-line banking
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/22—Bandwidth or usage-sensitve billing
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/54—Resellers-retail or service providers billing, e.g. agreements with telephone service operator, activation, charging/recharging of accounts

Definitions

  • the invention relates to a method for equalizing the value of services and / or services used via the Internet between a provider and a user.
  • the Internet enables fast, globally networked data access and / or data transfer.
  • the object of the invention is to provide a method for equalizing the value of services and / or services used via the Internet between a provider and a user, which ensures full cost control and extensive anonymity of the user or owner (regulator).
  • a prepaid card similar to a so-called "prepaid card”, such as is used in the field of mobile communications, is used.
  • this prepaid card is assigned at least a clear identification of the user, such as a bank account.
  • SAT-capable online banking
  • Possible forms for identifying the card as a means of payment can be:
  • Connection to other identification criteria e.g. via bluetooth to cell phone.
  • the provider of internet services can identify a user using the credit card and the services and / or services directly or indirectly using the identification account using credit data stored on the credit card.
  • a further embodiment of the invention makes it possible to temporarily store the data on the credit card in a memory outside the credit card, so that the data on the credit card can also be accessed when the credit card is not physically present.
  • the credit card is updated by overwriting with the memory content of the temporary memory and, if necessary, the memory content is then deleted. Misuse of the card is prevented in that after the credit card has been read out and its data has been stored in the temporary memory, the card is blocked for further read-out processes. This block is only released when the credit card is updated.
  • the method according to the invention with or without adding to the credit with additional credit cards can also be used for billing tariffs similar to the use in card phones or payment processes at vending machines.

Landscapes

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

Abstract

L'invention concerne un procédé de règlement de prestations et/ou de services fournis à un utilisateur par un fournisseur par l'intermédiaire d'Internet, ce procédé consistant à utiliser une carte de débit. Le fournisseur de prestations Internet peut identifier l'utilisateur au moyen de cette carte de débit et encaisser le règlement pour ces prestations et/ou services à l'aide de cette identification directement ou indirectement au moyen de données de débit stockées sur ladite carte de débit.
PCT/DE2003/003267 2002-10-01 2003-09-30 Procede de reglement de prestations et/ou de services fournis a un utilisateur par un fournisseur par l'intermediaire d'internet Ceased WO2004032449A2 (fr)

Priority Applications (2)

Application Number Priority Date Filing Date Title
AU2003281926A AU2003281926A1 (en) 2002-10-01 2003-09-30 Method for reconciling work and/or services provided to a user by a provider via the internet
EP03773473A EP1550088A2 (fr) 2002-10-01 2003-09-30 Procede de reglement de prestations et/ou de services fournis a un utilisateur par un fournisseur par l'intermediaire d'internet

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
DE2002146123 DE10246123A1 (de) 2002-10-01 2002-10-01 Verfahren zum Wertausgleich von über das Internet in Anspruch genommenen Leistungen und/oder Diensten zwischen einem Anbieter und einem Nutzer
DE10246123.6 2002-10-01

Publications (2)

Publication Number Publication Date
WO2004032449A2 true WO2004032449A2 (fr) 2004-04-15
WO2004032449A3 WO2004032449A3 (fr) 2005-01-20

Family

ID=32010139

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/DE2003/003267 Ceased WO2004032449A2 (fr) 2002-10-01 2003-09-30 Procede de reglement de prestations et/ou de services fournis a un utilisateur par un fournisseur par l'intermediaire d'internet

Country Status (4)

Country Link
EP (1) EP1550088A2 (fr)
AU (1) AU2003281926A1 (fr)
DE (1) DE10246123A1 (fr)
WO (1) WO2004032449A2 (fr)

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP0458610A1 (fr) 1990-05-25 1991-11-27 Nippon Conlux Co., Ltd. Système de vente avec renouvellement de carte prépayée
EP0668581A1 (fr) 1993-07-16 1995-08-23 Fujitsu Limited Processeur de carte a fonctions de traitement interverrouillees
DE4437283C1 (de) 1994-10-18 1996-03-14 Accumulata Symi Grundstuecks G Elektronische Geldbörse
WO2001059722A2 (fr) 2000-02-08 2001-08-16 Tokyo Mechatronics Co., Limited Systeme de reglement par carte prepayee, procede internet, et dispositif et procede d'utilisation associee

Family Cites Families (9)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CA2191502C (fr) * 1995-12-08 2002-02-05 Masayuki Ohki Appareil de retenue pour moyen de paiement electronique
DE19812125A1 (de) * 1997-10-10 1999-04-15 Klein Patrick Zugangs- und Abrechnungsverfahren mit Chipkarten für den Bezug von Leistungen aus Telekommunikationsnetzen
WO2000042537A2 (fr) * 1999-01-15 2000-07-20 Herbert Nebel Procede de paiement d'offres dans un reseau de transmission de donnees
DE19906213A1 (de) * 1999-02-15 2000-08-24 Siemens Ag Verfahren und Einrichtung zur Abrechnung gebührenpflichtiger Kommunikationsdienste
US6529880B1 (en) * 1999-12-01 2003-03-04 Intermec Ip Corp. Automatic payment system for a plurality of remote merchants
DE10001097A1 (de) * 2000-01-13 2001-07-19 Scm Microsystems Gmbh Elektronisches Zahlungssystem für Dienste, Software und multimediale Inhalte
EP1156620A1 (fr) * 2000-05-16 2001-11-21 Kosmos Installation perfectionnée d'échange de données dans un réseau, et carte de paiement et procédé associés
DE10104540C2 (de) * 2000-11-20 2002-11-07 Siemens Ag Betriebsverfahren eines elektronischen Prepaid-Kontos und Anordnung zu dessen Durchführung
FR2819128B1 (fr) * 2001-01-04 2003-09-12 Sagem Terminal et procede de paiement electronique

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP0458610A1 (fr) 1990-05-25 1991-11-27 Nippon Conlux Co., Ltd. Système de vente avec renouvellement de carte prépayée
EP0668581A1 (fr) 1993-07-16 1995-08-23 Fujitsu Limited Processeur de carte a fonctions de traitement interverrouillees
DE4437283C1 (de) 1994-10-18 1996-03-14 Accumulata Symi Grundstuecks G Elektronische Geldbörse
WO2001059722A2 (fr) 2000-02-08 2001-08-16 Tokyo Mechatronics Co., Limited Systeme de reglement par carte prepayee, procede internet, et dispositif et procede d'utilisation associee

Also Published As

Publication number Publication date
DE10246123A1 (de) 2004-04-15
AU2003281926A1 (en) 2004-04-23
AU2003281926A8 (en) 2004-04-23
EP1550088A2 (fr) 2005-07-06
WO2004032449A3 (fr) 2005-01-20

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