Electronic payment method and system for carrying out the same
First Claim
1. An electronic payment method for paying for merchandise or a service offered by a vendor and ordered by a purchaser over a data or telecommunication network using a prepaid electronic credit, essentially in real time, over the network, where a predetermined credit sum required for paying for the merchandise or service is transferred, in response to a transfer signal transmitted by a first terminal associated with the purchaser, to an electronic interim account belonging to the purchaser, in particular after intervening transfer by a debit signal, to an electronic target account belonging to the vendor.
1 Assignment
0 Petitions
Accused Products
Abstract
An electronic payment method for paying for merchandise or a service offered by a vendor and ordered by a purchaser over a data or telecommunication network using a prepaid electronic credit, essentially in real time, over the network, where a predetermined credit sum required for paying for the merchandise or service is transferred, in response to a transfer signal transmitted by a first terminal associated with the purchaser, to an electronic interim account belonging to the purchaser, in particular after intervening transfer by a debit signal, to an electronic target account belonging to the vendor.
18 Citations
14 Claims
- 1. An electronic payment method for paying for merchandise or a service offered by a vendor and ordered by a purchaser over a data or telecommunication network using a prepaid electronic credit, essentially in real time, over the network, where a predetermined credit sum required for paying for the merchandise or service is transferred, in response to a transfer signal transmitted by a first terminal associated with the purchaser, to an electronic interim account belonging to the purchaser, in particular after intervening transfer by a debit signal, to an electronic target account belonging to the vendor.
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10. A data transmission arrangement for paying for merchandise or a service offered by a vendor and ordered by a purchaser over a data network using a prepaid electronic credit, essentially in real time, over the data network, which arrangement has:
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a credit memory, managed on a credit management server, for storing the prepaid electronic credit, an interim account memory on an account management server, a target account memory on the account management server or on a further account management server, a piece of credit transfer software implemented on an application server, a first terminal associated with the purchaser for entering credit and account identifiers and a payment initiation signal, and a data or telecommunication network connection between the first terminal, the credit management server, the account management server or account management servers and the application server in order to implement a data transfer process, implementing an electronic transfer, between these elements. - View Dependent Claims (11, 12, 13, 14)
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Specification