METHOD FOR AUTHORIZING AT LEAST ONE TRANSACTION BY A BANK SYSTEM

• US 20090265276A1
• Filed: 12/18/2007
• Published: 10/22/2009
• Est. Priority Date: 12/18/2006
• Status: Abandoned Application

• Current Assignee: Wincor Nixdorf International GmbH (Diebold Nixdorf, Incorporated)
• Original Assignee: Wincor Nixdorf International GmbH (Diebold Nixdorf, Incorporated)
• Inventors: Jordan, Oliver
• Application Number:
  US12/520,006
• Publication Number:
  US 20090265276A1
• Time in Patent Office: Days
• US Class Current: 705/44
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 30/0603 Catalogue ordering

Abstract

The invention relates to a method and a system for authorizing at least one transaction by a bank system, wherein at least one client application handled by the bank system is connected to at least one server application outside the bank system. With the help of the client application, at least one transaction item provided for selection by the server application is selected. Furthermore, authorization of the transaction of at least one selected transaction item is requested during a bank application of the bank system. The transaction is authorized with the help of the bank application.

Claims

1. A method for authorizing at least one transaction by a bank system,

in which at least one client application executed by the bank system is connected to at least one server application outside the bank system,

with the aid of the client application, at least one transaction item provided by the server application for selection is selected for the transaction,

an authorization of the transaction of the transaction item is requested from a bank application of the bank system,

and in which the transaction is authorized with the aid of the bank application.

2. The method according to claim 1, wherein an identification information for identifying the transaction, the transaction item and/or the user is transferred to the bank application, and an authorization of the transaction is requested, the transaction being authorized in connection with the identification information with the aid of the bank application.

3. The method according to claim 1, wherein the transaction is authorized and a money transaction for payment of the transaction item is automatically initiated.

4. The method according to claim 1, wherein the money transaction for payment of the transaction item is only initiated after delivery of the transaction item.

5. The method according to claim 1claim 1, wherein a money transaction for payment of the transaction item is performed independent of the authorization of the transaction.

6. The method according to claim 1, wherein the selected transaction item is assigned to a transaction with the aid of the server application.

7. The method according to claim 1, wherein via a bank terminal of the bank system an interaction for the preparation of the transaction as well as for the authorization of the transaction is performed, the interaction preferably being performed via a user interface provided by the client application at the bank terminal.

8. The method according to claim 1, wherein the client application is a smart client application, preferably with a dynamic surface design, with a dynamic sequence design and/or with a internal network management.

9. The method according to claim 1, wherein the server application provides a shop system, via which a plurality of transaction items are offered which can be selected via the client application of the bank system, the transaction items preferably being a ticket, in particular an admission ticket, a train ticket, a flight ticket or a bus ticket, a piece of goods and/or a service, a reservation or a purchase or, respectively, an offer to purchase being made by the selection of the transaction item and the authorization.

10. The method according to claim 1, wherein via the bank system a client application is selected from several client applications, at least one server application being assigned to at least one client application.

11. The method according to claim 1, wherein via the bank system and/or the client application a server application is selected from several server applications, at least one shop system being provided by each server application.

12. The method according to claim 1, wherein the at least one client application and the at least one server application are connected to each other via at least one data connection.

13. The method according to claim 12, wherein the data connection is a secure data connection via a local network, a wide area network, a global network and/or a telephone network.

14. The method according to claim 1, wherein the identification information is transferred from the client application to the bank application or from the server application to the bank application.

16. The system according to claim 15, claim 1, wherein the server application or the client application generates an identification information for identifying the transaction of at least one selected transaction item, the transaction item itself and/or a user, and transfers the identification information to the bank application.

17. A computer program product, comprising commands and data in encoded form which after loading of the program data cause a data processing system to perform and/or control a method according to claim 1.

18. A data carrier with program data of a computer program product according to claim 17.

15. A system for authorizing at least one transaction by a bank system, comprising

a bank system which executes at least one client application,

at least one server application outside the bank system, the client application and the server application being connected to each other,

the server application providing at least one transaction item for selection, which transaction item can be selected with the aid of the client application,

the server application or the client application requesting an authorization for authorizing the transaction of at least one selected transaction item and/or the transaction item at a bank application of the bank system, and transferring the authorization to this bank application,

and the authorization of the transaction being implemented with the aid of the bank application.