Method and arrangement for electronically transferring an amount of money from a credit account memory

• US 20020152177A1
• Filed: 04/15/2002
• Published: 10/17/2002
• Est. Priority Date: 08/18/2000
• Status: Abandoned Application

• Current Assignee: Siemens AG
• Original Assignee: Siemens AG
• Inventors: Wolf, Hans-Hermann
• Application Number:
  US10/110,665
• Publication Number:
  US 20020152177A1
• Time in Patent Office: Days
• US Class Current: 705/64
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/223 based on the use of peer-to-peer networks
• CPC Class Codes: G06Q 20/28 Pre-payment schemes, e.g. "pay before"
• CPC Class Codes: G06Q 20/32 using wireless devices
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction

Abstract

Method for transferring an electronic sum of money from a credit memory associated with a money sender to an account or to a credit memory associated with a money receiver via a telecommunications and data network in real time.

Claims

1. A method for transferring an electronic sum of money from a credit memory associated with a money sender, particularly containing a prepaid credit, to an account or to a credit memory associated with a money receiver via a telecommunications and data network, in real time, having the following steps:

the money receiver subscribes to a money transfer service with a service provider and, in so doing, stores a money receiver data record, comprising at least one transaction call number for a terminal associated with the money receiver in the telecommunications network and an account identifier for the money receiver'"'"'s account or credit memory, in a transaction database,

a money sender data record, comprising at least one call number for a terminal, an account identifier for the credit memory and an authentication data record for the money sender, is stored in the transaction database or in a credit management database,

a connection is set up between the money sender'"'"'s terminal and a transaction server associated with the service provider, particularly on the basis of part of the transaction call number,

the sum of money to be transferred is input on the money sender'"'"'s terminal and is transmitted to the transaction server,

the transaction server reads the money receiver data record and the money sender data record from the transaction database and evaluates it/them, which includes setting up (an) optionally required data link(s) to one or more external application(s),

the coverage of the sum of money is checked in the money sender credit memory, and the sum of money is reserved if it is covered, or the process is terminated with signaling if there is insufficient coverage,

the sum of money is debited from the money sender credit memory, and this is documented,

the sum of money is credited to the money receiver account or to the money receiver credit memory, and this is documented,

information about the debit and/or credit operation is transmitted to the money receiver'"'"'s terminal and in particular also to the money sender'"'"'s terminal.

2. The method as claimed in claim 1,

characterized in that

the connection to the transaction server is originally set up from the money sender'"'"'s terminal by dialing the transaction call number of the money receiver'"'"'s terminal, and the sum of money to be transferred is input in connection with the transaction call number.

3. The method as claimed in claim 1,

characterized in that

the connection to the transaction server is originally set up from the money receiver'"'"'s terminal, with the setup of a connection to the money sender'"'"'s terminal being interposed and the sum of money being input on the latter.

4. The method as claimed in one of the preceding claims,

characterized in that

the authentication data record in the money sender data record comprises an authentication code and, before the debit operation step, steps for authorizing said debit operation are performed, namely the following steps:

the authentication code is input by the money sender on his terminal,

the input is transmitted to the transaction server, and

the transmitted data are compared with the data held in the money sender data record, and a debit enable signal is output if there is a match and a debit blocking signal is output if there is no match.

5. The method as claimed in claim 4,

characterized in that

the authorization steps are performed for a sum of money which exceeds a predetermined threshold value which can be set by the service provider or the money sender, in particular.

6. The method as claimed in one of the preceding claims,

characterized by

its being performed by setting up a data link to at least one external server on which the money sender credit memory and/or the money receiver account or the money receiver credit memory are managed, the account identifier of the money receiver data record and/or the account identifier of the money sender data record comprising a server address or server call number, and the transaction server being connected to this or these following the step of reading out the money receiver data record and the money sender data record in order to perform the subsequent steps.

7. The method as claimed in one of the preceding claims,

characterized in that

the money receiver takes out a subscription with the service provider using a plurality of accounts and/or call numbers, the number of accounts being less than the number of call numbers, in particular, and all the corresponding account identifiers and the call numbers being stored in the money receiver data record.

8. An arrangement for transferring an electronic sum of money from a credit memory associated with a money sender, particularly containing a prepaid credit, to an account or to a credit memory associated with a money receiver via a telecommunications and data network in real time, particularly in order to carry out the method as claimed in one of the preceding claims, which has:

at least one account management server having a money sender credit memory and a money receiver account or credit memory,

a money receiver terminal which is connected to the telecommunications and data network and has an associated special transaction call number,

a money sender terminal connected to the telecommunications and data network

a transaction database associated with a service provider, which stores a money receiver data record, comprising at least the transaction call number of the money receiver'"'"'s terminal and in particular also an account identifier for the account or credit memory, and a money sender data record comprising the call number of a terminal associated with the money sender and in particular an account identifier for the credit memory, and also an authentication data record, and

a transaction server which is connected to the transaction database and can be connected to at least the money sender'"'"'s terminal and to the account management server or account management servers or is an integral part of said server or servers, for reading and for evaluating the money receiver data record and the money sender data record from the transaction database, and for setting up (an) optionally required data link(s) to one or more external application(s) and for controlling a coverage check in the money sender credit memory and a debit operation on the latter and a credit operation on the money receiver account or money receiver credit memory.

9. The arrangement as claimed in claim 8,

characterized in that

the transaction database and the money sender credit memory and/or the money receiver credit memory are implemented on the transaction server.

10. The arrangement as claimed in claim 8 or 9,

characterized in that

the transaction server has means for documenting a debit operation and a credit operation, in particular in the form of a log record.

11. The arrangement as claimed in one of claims 8 to 10,

characterized in that

the transaction server has associated telecommunication means for signaling termination of a transaction or a debit operation and/or a credit operation to the money sender'"'"'s terminal and in particular also to the money receiver'"'"'s terminal.

12. The arrangement as claimed in one of claims 8 to 11,

characterized in that

the telecommunications and data network comprises a mobile radio network, with the money sender'"'"'s terminal, in particular, being in the form of a mobile radio terminal or a data processing unit equipped with a mobile radio part.

13. The arrangement as claimed in one of claims 8 to 12,

characterized by

a plurality of terminals associated with the money receiver which are registered with the service provider and whose transaction call numbers are stored in the money receiver data record.