Payment system by means of a mobile device

• US 7,072,854 B2
• Filed: 01/28/2002
• Issued: 07/04/2006
• Est. Priority Date: 02/06/2001
• Status: Expired due to Term

• Current Assignee: Wincor Nixdorf GmbH & Company (Diebold Nixdorf, Incorporated)
• Original Assignee: Wincor Nixdorf International GmbH (Diebold Nixdorf, Incorporated)
• Inventors: Loeser, Martin
• Primary Examiner(s): Laneau, Ronald
• Application Number:
  US10/058,551
• Publication Number:
  US 20020107745A1
• Time in Patent Office: 1,618 Days
• Field of Search: 705/21, 705/16, 705/17
• US Class Current: 705/21
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/202 Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/325 using wireless networks
• CPC Class Codes: G06Q 20/42 Confirmation, e.g. check or permission by the legal debtor of payment
• CPC Class Codes: G06Q 20/425 using two different networks, one for transaction and one for security confirmation
• CPC Class Codes: G06Q 30/04 Billing or invoicing

Abstract

Performance of payment processes, in which

• • a cash register transmits a payment demand wirelessly to a mobile device of a customer,
  • the latter checks the payment demand,
  • if the result is positive, generates from it a payment instruction,
  • transmits the latter to a payment center,
  • the payment center checks the payment instruction,
  • if the result is positive, the payment center sends a payment confirmation to the cash register,
  • the cash register checks the payment confirmation,
  • if the result is positive, indicates this and releases goods to be paid for.

Claims

1. A method for carrying out payment processes, in which:

a cash register transmits a payment demand wirelessly via a first link to a mobile device of a customer,

the mobile device checks the payment demand,

if the mobile device checking result is positive, the mobile device generates a payment instruction from the payment demand,

if the mobile device checking result is negative, no payment instruction is generated,

the mobile device transmits the payment instruction via a second link to a payment center,

the payment center checks the payment instruction,

if the payment center checking result is positive, the payment center sends a confirmation directly to the cash register via a third link,

if the payment center checking result is negative, no payment confirmation is sent,

the cash register checks the payment confirmation

if the cash register checking result is positive, indicate said cash register checking result and release goods to be paid for,

if the cash register checking result is negative, the goods are not released.

2. The method as claimed in claim 1, wherein the payment center, after a positive check of the payment instruction, sends a payment debit to a banking center.

3. The method as claimed in claim 1, wherein the cash register stores the payment confirmations, accumulates the payment confirmations and sends the payment confirmations collected to a payment clearing office, wherein the payment clearing office checks the payment confirmations, accumulates the payment confirmations by amount and credits the owner of the cash register with the total amount.

4. The method as claimed in claim 1, wherein the payment instruction is digitally signed in the mobile device.

5. The method as claimed in claim 1, wherein the payment confirmation is digitally signed in the payment center.

6. The method as claimed in claim 1, wherein the payment demand contains the address to which the payment confirmation is sent.

7. The method as claimed in claim 1, wherein Bluetooth or IrDa is used as a first interface and GSM, GPRS or UTMS are used as a second interference.

8. A cash register for cashless payment, having the following features:

a first interface for wireless data transmission and a transmitting agent which is connected thereto and which generates a payment demand and sends the payment demand via the first interface,

a second interface for data transmission and a receiving agent connected thereto which receives a payment confirmation which has arrived via the second interface,

a checking facility directly connected to the transmitting agent, the receiving agent and a releasing agent wherein the checking facility receives the payment demand and the payment confirmation, checks the authenticity of the payment confirmation and also checks whether the payment confirmation matches the payment demand, and

wherein the checking facility forwards the result of the checking to the releasing agent which outputs a message to an operating person via an output device or releases a goods output.