Method for paying for a service offered by means of a data network

• US 8,595,131 B2
• Filed: 07/22/2002
• Issued: 11/26/2013
• Est. Priority Date: 07/26/2001
• Status: Expired due to Fees

• Current Assignee: Giesecke & Devrient GmbH
• Original Assignee: Giesecke & Devrient GmbH
• Inventors: Vu, Tai Duc, Pho Duc, Christian, Scheybani, Tschangiz
• Primary Examiner(s): Misiaszek, Michael
• Application Number:
  US10/484,498
• Publication Number:
  US 20040243474A1
• Time in Patent Office: 4,145 Days
• Field of Search: 705/26, 705/27
• US Class Current: 705/39
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/3437 the counter having non-monetary units, e.g. trips
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G06Q 30/0613 Third-party assisted
• CPC Class Codes: G07F 17/0021 Access to services on a time-basis

Abstract

A method is proposed for acquiring a service sold over a data network (20) against presentation of a transaction medium (2). The service is ordered by a user (1) by a user end system (10) from a service provider (40). The latter calls in a clearing center (30) which enters into a data exchange with the transaction medium (2) to call for therefrom a necessary contribution in the form of certain data assumed for acquisition of the service. The ordering process and the data exchange with the transaction medium (2) for calling for the contribution are linked via an identifier (KM) associated with the transaction medium (2), the identifier being determined by the user end system (10) and used to secure the ordering process and the call for the contribution.

Claims

1. A method for acquiring a service offered by a service provider over a data network on presentation of a cash card having data stored thereon, said data corresponding to money in electronic form, by carrying out first a prenegotiation phase to order the service and subsequently a transaction phase including a compensation phase to make a contribution for delivery of the service, the service being ordered by means of a user end system that includes the cash card, from the service provider, the service provider thereupon calls a clearing center which subsequently enters into a data exchange with the user end system, to call for there from a necessary contribution in the form of certain data required for acquisition of the service, the method comprising steps in the prenegotiation phase of:

at the user end system, determining an individual identifier of the cash card, for use in the transaction phase that includes the data exchange that calls for the contribution in order to homogenously link the ordering process with the following compensation process;

at the user end system, sending a first prenegotiation message including the identifier to the clearing center; and

at the user end system, receiving the identifier back there from the clearing center with a second prenegotiation message for acknowledgement;

wherein the compensation phase further comprises using the identifier to effect a data exchange in which the money in electronic form stored on the cash card is reduced by the amount to be paid and a corresponding amount is credited to the clearing center.

2. A method according to claim 1, characterized in that the identifier includes information that is applied in the data exchange that calls for the contribution.

3. A method according to claim 1, characterized in that the contribution called for includes a transfer of an amount to be paid.

4. A method according to claim 1, further comprising:

determining, at the clearing center after reception of the identifier, a preauthorization identifier; and

sending the preauthorization identifier, to the user end system, together with the identifier.

5. A method according to claim 4, characterized in that the preauthorization identifier is formed individually upon each acquisition process.

6. A method according to claim 1, further comprising monitoring, at the clearing center, the time from reception of the identifier until reception of an enabling signal for the data exchange that calls for the contribution.

7. A method according to claim 1, further comprising monitoring, at the user end system, the time from sending the identifier until the onset of the data exchange that calls for the contribution.

8. A method according to claim 1, characterized in that the identifier is stored in the user end system.

9. A method according to claim 1, characterized in that the requested service is delivered by the service provider only when the clearing center has received the called-for service from the user end system.

10. A method according to claim 1, further comprising upon occurrence of an error after successful implementation of the data exchange that calls for the contribution, transferring, from the clearing center to the user system, a provisional load acknowledgement containing information allowing the user system to complain about the error.

11. A method according to claim 1, further comprising transferring reference information, from the user end system to the clearing center, to produce an association of a requested service with a user.

12. A method according to claim 11, further comprising sending the reference information, together with the identifier, back to the user end system for acknowledgement.

13. A method according to claim 1, further comprising:

making a request for a particular kind of service from the service provider; and

effecting an association of the service with a user only at the clearing center.

14. A method according to claim 1, further comprising:

requesting a particular kind of service, scalable in terms of extent, from the service provider; and

communicating the extent of the service only to the clearing center.

19. The method of claim 1, wherein the transaction phase further comprises using the identifier to effect a data exchange in which electronic money located in the transaction medium is reduced by the amount to be paid and a corresponding amount is credited to the clearing center.

15. An assembly for executing a method for acquiring a service offered by a service provider over a data network on presentation of a cash card having data stored thereon, said data corresponding to money in electronic form, by carrying out a first prenegotiation phase to order the service and subsequently a transaction phase including a compensation phase to make a contribution for delivery of the service, the assembly comprising:

a user end system, connected to the data network, to order the service in a prenegotiation phase using an individual identifier of the cash card; and

a clearing center, connected to the data network, to request a contribution from the cash card in a transaction phase using the identifier associated with the cash card, the clearing center including a transaction module to communicate with the user end system, and a compensation module to request the contribution to be made by the cash card and to communicate with a background system in which a cash account associated with the cash card is stored;

wherein the identifier is used to effect a data exchange in which the money in electronic form stored on the cash card is reduced by the amount to be paid and a corresponding amount is credited to the clearing center.

16. An assembly according to claim 15, characterized in that the user end system comprises a security terminal allowing the determination of the identifier located on the transaction medium.

17. An assembly according to claim 15, characterized in that the security terminal has storage means for storing the identifier read from the transaction medium.

18. An assembly according to claim 15, characterized in that the clearing center performs the ordering process and the data exchange for requesting the contribution using separate modules.