Method and apparatus for micropayment in payment transactions via mobile radio or data networks
First Claim
Patent Images
1. A method for payment transactions via at least one of mobile radio networks and data networks, the method comprising the steps of:
- confirming, by a user, debit sums for use of a service;
approving a total monetary amount, by the user, prior to use of the service;
transferring, repeatedly, first monetary units from an account of the user to an account of a service provider; and
debiting, repeatedly, the first monetary unit without further requests for approval to the user, as long as a total debited amount is covered by the total monetary unit in the account.
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Abstract
Method and apparatus for micropayment in payment transactions via mobile radio or data networks, wherein the user is provided the opportunity both to accept the “basic charge” and at the same time to reserve a larger sum for the desired service.
19 Citations
12 Claims
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1. A method for payment transactions via at least one of mobile radio networks and data networks, the method comprising the steps of:
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confirming, by a user, debit sums for use of a service;
approving a total monetary amount, by the user, prior to use of the service;
transferring, repeatedly, first monetary units from an account of the user to an account of a service provider; and
debiting, repeatedly, the first monetary unit without further requests for approval to the user, as long as a total debited amount is covered by the total monetary unit in the account. - View Dependent Claims (2, 3, 4, 5)
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6. A method for payment transactions via at least one of mobile radio networks and data networks, wherein a user wishes to use a service belonging to a service provider, the method comprising the steps of:
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sending a first payment request for the service from the service provider to the user;
notifying the service provider, by the user, in a payment confirmation, of a total monetary unit confirmed prior to use of the service for use of the service; and
calculating, repeatedly, charges for use of the service for the user at particular intervals of time, with first monetary units being repeatedly transferred from an account of the user to an account of a service provider. - View Dependent Claims (7, 8, 9, 10)
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11. An apparatus for effecting a method for payment transactions via at least one of mobile radio networks and data networks, the apparatus comprising:
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means for confirming, by a user, debit sums for use of a service;
means for approving, by the user, a total monetary unit prior to use of the service;
means for transferring, repeatedly, first monetary units from an account of the user to an account of a service provider; and
means for debiting, repeatedly, the first monetary unit without further requests for approval to the user, as long as a total debited amount is covered by the total monetary unit in the account.
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12. An apparatus for effecting a method for payment transactions via at least one of mobile radio networks and data networks, wherein a user wishes to use a service belonging to a service provider, the apparatus comprising:
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means for sending a first payment request for the service from the service provider to the user;
means for notifying the service provider, by the user, in a payment confirmation, of a total monetary unit confirmed prior to use of the service for use of the service; and
means for calculating, repeatedly, charges for use of the service for the user at particular intervals of time, with first monetary units being repeatedly transferred from an account of the user to the account of the service provider.
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Specification