VIRTUAL PREPAID OR CREDIT CARD AND PROCESS AND SYSTEM FOR PROVIDING SAME AND FOR ELECTRONIC PAYMENTS
First Claim
1. Virtual prepaid or credit card, comprising a data set, free of a physical substrate, the data set being located in a memory of a transmitter or receiver and adapted to authorize a person who is in possession thereof to pay for a product or service, conduct an online transaction, or to obtain cash, the data set being obtainable in response to a user enrollment procedure and useable as a credit card or a pre-payment account, and being available at the receiver which comprises a telecommunication terminal of an enrolled holder for display and transmission.
3 Assignments
0 Petitions
Accused Products
Abstract
A virtual credit card, as a set of data, free of a physical substrate, the data being adapted to authorize a person who is in possession thereof to pay for a product or service, in particular in the framework of an online transaction, the data set being produced on the basis of a credit card account or a pre-payment and in response to a user authentication procedure involving an evaluation of biometric features of a user, in particular of his/her voice profile, and being available at a telecommunication terminal, in particular a mobile phone, of the authenticated user.
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Citations
24 Claims
- 1. Virtual prepaid or credit card, comprising a data set, free of a physical substrate, the data set being located in a memory of a transmitter or receiver and adapted to authorize a person who is in possession thereof to pay for a product or service, conduct an online transaction, or to obtain cash, the data set being obtainable in response to a user enrollment procedure and useable as a credit card or a pre-payment account, and being available at the receiver which comprises a telecommunication terminal of an enrolled holder for display and transmission.
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6. Process for providing a virtual prepaid or credit card, as a data set being adapted to authorize a person who is in possession thereof to pay for a product or service, conduct an online transaction, or to obtain cash, the process comprising:
- evaluating credit card account data or pre-payment data, to establish the data set, and a user enrollment procedure to form the data set, transmitting the data set to a telecommunication terminal of an enrolled holder via a mobile network or data transmission network.
- View Dependent Claims (7, 8, 9)
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10. Process for electronic payments using a virtual prepaid or credit card, comprising:
- sending payment instructions as electronic messages from a telecommunication terminal of the holder to a gateway of an authorization system server, checking the payment instructions by the server and, in response to a positive result of the checking, processing the instructions for controlling a payment procedure, and after the processing, transmitting electronic confirmation messages to a payee predetermined by the holder.
- View Dependent Claims (11, 12, 13, 14, 15, 16, 17, 18, 19)
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20. System for providing a virtual prepaid or credit card, as a data set, free of a physical substrate, the data being adapted to authorize a person who is in possession thereof to pay for a product or service, conduct an online transaction, or to obtain cash, the data set being useable as a credit card account or a pre-payment account and in response to a user enrollment procedure, and being available at a telecommunication terminal, of the enrolled holder for display and transmission, the system comprising
a credit card account or payment server storing and processing credit card or pre-payment data of a user and system-internal electronic accounts, as well as way of payment data for electronic transactions from/to system-external accounts, an authorization system server storing and processing user authentication data, including biometric data of the user, credit card data set generation means being connected to both the credit card data server and authentication server for establishing the data set defining the virtual credit card or a way of payment, and data set transmissions means for transmitting the card data set or payment data set via a telecommunications network or data transfer network, to a user terminal connected to the network or to the authorization system server.
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24. Arrangement for electronic payments, including a system, credit card account or payment server storing and processing credit card or pre-payment data of a user and system-internal electronic accounts, as well as payment data for electronic transactions from/to system-external accounts, an authorization system server storing and processing user authentication data, including biometric data of the user,
credit card data set generation means being connected to both the credit card data server and authentication server for establishing the data set defining the virtual credit card or a way of payment, and data set transmissions means for transmitting the card data set or payment data set via a telecommunications network or a mobile network, to a user terminal connected to the network or to the authorization system server, wherein the authorization system server is adapted to check electronic messages being sent from the telecommunication terminals of card holders, for controlling a payment procedure and, if valid, for forwarding same, wherein the check includes a check of user authentication data and the processing includes the generation and transmission of control data sets for electronically transferring payment amounts at least one of toor from system accounts being managed by the payment server.
Specification