Method and arrangement for the transfer of an electronic sum of money from a credit store

• US 20040030642A1
• Filed: 08/18/2003
• Published: 02/12/2004
• Est. Priority Date: 09/29/2000
• Status: Abandoned Application

• Current Assignee: Nokia Siemens Networks GmbH & Company KG (Nokia Corporation)
• Original Assignee: Nokia Siemens Networks GmbH & Company KG (Nokia Corporation)
• Inventors: Vindeby, Per
• Application Number:
  US10/381,653
• Publication Number:
  US 20040030642A1
• Time in Patent Office: Days
• US Class Current: 705/39
• 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 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/385 using an alias or single-use codes

Abstract

The invention relates to a method for the transfer of an electronic sum of money from a credit store of a money sender to an account or credit store of a money receiver, by means of a telecommunication and data network, whereby the transmission of the necessary data occurs by reference to an identification code for the money receiver, or for the money transfer between a first and a second server of at least one service operator.

Claims

1. Method for the transfer of an electronic sum of money from a credit store which in particular has a prepaid credit to an account or credit store of a money receiver by means of a telecommunication and data network with the following steps

issue of a first identification code for the money receiver or a transfer operation to the money receiver,

storage of a money receiver data record comprising at least the first identification code and an account code for the money receiver'"'"'s account or credit store in a transaction database and/or a first account management database at a first server of a service operator

storage of a money sender data record comprising at least a second identification code, in particular a call number for a terminal and an account code for the money sender'"'"'s credit store in a second account management database at a second server of a service operator,

transmission of the first identification code from the money receiver to the money sender, in particular outside the telecommunication and data network,

establishment of a connection between the money sender'"'"'s terminal and the second server using a server call number or a special number and transmission of the first identification code to the second server,

establishment of a data connection between the second and first servers of the service operators of the money sender and money receiver or a common service operator whereby a section of the first identification code is used to dial or select the first server and transmission of the first identification code to the first server,

checking of the first identification code and the existence of an account or credit store of the money receiver and, if the result of the check is positive, assignment of the account code to the first identification code and transmission of the result of the check to the second server

entry of the sum of money to be transferred at the money receiver'"'"'s or money sender'"'"'s terminal and transmission to the second server,

checking that the sum of money is covered in the money sender'"'"'s credit store and reservation of the sum of money in the event of coverage or termination with signaling in the event of deficient cover,

issue of a request to the money sender for the authorization of the transfer,

transmission of the authorization entry from the money sender'"'"'s terminal to the second server and checking at said sender,

debiting the sum of money from the money sender'"'"'s credit store in real time and documentation of this in the event of a positive result to the check or termination in the event of a negative result,

crediting of the sum of money to the money receiver'"'"'s account or the money receiver'"'"'s credit store and documentation of this,

transmission of information on the debiting and/or crediting to the terminal of the money receiver and/or money sender.

2. Method according to claim 1, characterized by the use of a permanently valid money receiver number, in particular the call number of the money receiver'"'"'s terminal, as a first identification code.

3. Method according to claim 1, characterized by the use of a specific transaction number, issued by the first server, for an individual transfer process whereby the transaction number is used to address one storage area of a transaction database established at the first server in which the data relating to the transfer process is stored.

4. Method according to any one of the preceding claims, characterized in that the sum of money to be transferred by the money sender is entered into its terminal together with the first identification code, transmitted to the second server and stored temporarily there until coverage has been checked.

5. Method according to any one of claims 1 to 3, characterized in that the second server generates and transmits a request for the input of the sum of money to be transferred to the money sender and outputs it at the money sender'"'"'s terminal and

in reaction to this request, the sum of money is input at the money sender'"'"'s terminal.

6. Method according to any one of the preceding claims, characterized in that the money sender data record comprises an authorization data record, in particular an authentication code or biometric data for the money sender and before the debiting step the following steps are performed for the authorization of said step:

entry of the authentication code or the biometric data by the money sender at its terminal,

transmission of said code to the second server and

comparison of the transmitted data with the data in the money sender data record and output of a debit release signal in the event of conformity or a debit blocking signal in the event of non-conformity.

7. Method according to any one of the preceding claims, in particular claim 6, characterized in that the steps for authorization are performed in the event of a sum of money exceeding a prespecified threshold which may be set in particular by the service operator or the money sender.

8. Method according to any one of the preceding claims, characterized in that within the framework of the money receiver'"'"'s subscription with the service operator, an account number for a regular bank affiliation is stored in the money receiver'"'"'s data record.

9. Method according to any one of the preceding claims, characterized in that the money receiver'"'"'s subscription with the service operator takes place with a plurality of accounts and/or identification codes, in particular call numbers, whereby in particular the number of accounts is less than that of the call numbers and whereby all corresponding account codes and the identification codes are stored in the money receiver'"'"'s data record.

10. Method according to any one of the preceding claims, in particular any one of claims 2 to 9, characterized in that the money receiver number comprises a country prefix number and a server identification code for the first server.

11. Arrangement for the transfer of an electronic sum or money from a money sender'"'"'s credit store, which in particular contains prepaid credit, into an account or credit store of a money receiver by means of a telecommunication and data network in real time, in particular for the performance of the method in accordance with one of the preceding claims, comprising:

a first server with at least one money receiver credit store and one money receiver data store and comparator means to compare received money receiver data, in particular for an identification code for a money receiver or a transfer process with stored money receiver data.

a second server with at least one money sender credit store and one money sender data store and means for the comparison of received money transfer data, in particular a sum of money to be transmitted with stored money sender credit data or money sender data,

wherein the first and second server are connected or connectable or integrated with each other by means of a data line in the telecommunication and data network,

a terminal of the money receiver connected to the telecommunication and data network and

a terminal of the money sender connected to the telecommunication and data network.

12. Method according to claim 11, characterized in that a first transaction database is stored on the first server in which transfer-relevant data is stored under an identification code for the money receiver or the transfer process, in particular an account code and credit status of the money receiver.

13. Arrangement according to claim 11 or 12, characterized in that the money sender data store comprises a storage area to store an authentication data record for the money sender and is assigned comparator means for the comparison of currently entered authentication data with stored authentication data and for the output of a release or blocking signal for the transfer process as a result of the comparison.

14. Arrangement according to any one of claims 11 to 13, characterized in that the first server has random generator means to generate the identification code for the unique identification of a transfer process and linking means for the assignment of the identification code to the money receiver data record.

15. Arrangement according to any one of claims 11 to 14, characterized in that the first server and/or second server has means for the documentation of a termination process and a crediting process, in particular as a log record.

16. Arrangement according to any one of claims 11 to 15, characterized in that the first server and/or second server has telecommunication means for signaling a termination of a transaction or a debiting and/or a crediting to the terminal of the money sender and/or the money receiver.

17. Arrangement according to any one of claims 11 to 16, characterized in that the telecommunication and data network comprise a mobile radio network whereby the terminal of the money sender and/or the terminal of the money receiver is embodied as a mobile radio terminal or a data processing device fitted with a mobile radio part and a mobile radio terminal is assigned to the first and/or second server.

18. Arrangement according to any one of claims 11 to 17, characterized in that the terminal of the money receiver is connected to a till device in such a way that it receives the sum of money to be transferred automatically from said till device.

19. Automatic goods dispenser for the automatic dispensing of a product or service, characterized by a data connection to an arrangement according to any one of claims 11 to 18.

20. Till device for the electronic collection of a sum of money to be paid for a product or service, characterized by a data connection to an arrangement according to any one of claims 11 to 18.