METHOD AND SYSTEM FOR INITIATING AND/OR CONDUCTING A TRANSACTION THAT IS ASSOCIATED WITH AT LEAST TWO CORRESPONDING DECLARATIONS OF INTENT
First Claim
1. Method for initiating and/or conducting a transaction that is associated with at least two corresponding declarations of intent, in particular a payment transaction, between at least two transaction parties via a processing unit, in which method each of the transaction parties uses a mobile telephone for transmitting data, whereina) at least two of the transaction parties transmit respective data sets to the processing unit, the transmission of the data sets being effected within a time frame, of predefined length andb) the initiation of the transmission of the data sets of these transaction parties is carried out actively by the transaction parties and not by the processing unit, the data sets transmitted during initiation containing features that enable correlating the declarations of intent,wherein information on the locations of the respective mobile telephones is also transmitted to the processing unit, and said information is used as an additional correlation criterion.
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Accused Products
Abstract
The present invention relates to a method and a system for initiating and/or conducting a transaction that is associated with at least two corresponding declarations of intent, in particular a payment transaction, between at least two transaction parties via a processing unit (3), in which payment transaction at least one of the transaction parties uses a land line telephone or mobile telephone (1, 2) or a mobile communications device for transmitting data. The method is characterized by the transmission of data to the processing unit by at least two transaction parties within a limited time frame, and by the fact that the initiation of the data transmission of these transaction parties is effected actively by the transaction parties and not by the processing unit (3), while the data transmitted during initiation contain features that enable correlating the declarations of intent with one another.
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Citations
15 Claims
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1. Method for initiating and/or conducting a transaction that is associated with at least two corresponding declarations of intent, in particular a payment transaction, between at least two transaction parties via a processing unit, in which method each of the transaction parties uses a mobile telephone for transmitting data, wherein
a) at least two of the transaction parties transmit respective data sets to the processing unit, the transmission of the data sets being effected within a time frame, of predefined length and b) the initiation of the transmission of the data sets of these transaction parties is carried out actively by the transaction parties and not by the processing unit, the data sets transmitted during initiation containing features that enable correlating the declarations of intent, wherein information on the locations of the respective mobile telephones is also transmitted to the processing unit, and said information is used as an additional correlation criterion.
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11. System for initiating and/or conducting a transaction associated with at least two corresponding declarations of intent, in particular a payment transaction, between at least two transaction parties, said system comprising:
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a processing unit; a first mobile telephone associated with a first transaction party, said first mobile telephone transmitting a first data set to the processing unit within a time frame of predefined length; a second mobile telephone associated with a second transaction party, said second mobile telephone transmitting a second data set to the processing unit within the time frame of predefined length; wherein initiation of the transmission of the first and second data sets is carried out actively by the transaction parties, and the first and second data sets transmitted during initiation containing features that enable correlating the declarations of intent, and wherein information on the locations of the first and second mobile telephones is also transmitted to the processing unit, and said information is used as an additional correlation criterion. - View Dependent Claims (12, 13, 14)
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15. A computer-readable storage medium storing computer-executable program code for conducting a method for initiating and/or conducting a transaction when the computer-executable program code is executed on a computer, said transaction associated with at least two corresponding declarations of intent, in particular a payment transaction, between at least two transaction parties via a processing unit, in which method each of the transaction parties uses a mobile telephone for transmitting data, wherein
a) at least two of the transaction parties transmit respective data sets to the processing unit, the transmission of the data sets being effected within a time frame of predefined length, and b) the initiation of the transmission of the data sets of these transaction parties is carried out actively by the transaction parties and not by the processing unit, the data sets transmitted during initiation containing features that enable correlating the declarations of intent, wherein information on the locations of the respective mobile telephones is also transmitted to the processing unit, and said information is used as an additional correlation criterion.
Specification