CN1339146A - Method for performing cashless payment and system for implementing the method - Google Patents

Abstract

The object of the present invention is to provide a simple and secure cashless payment method, in particular enabling payments at different locations, and a system for implementing the method. In the method according to the invention, the money amount is read in by the vendor base station and this information is transmitted to the comparison device together with the identification code of the vendor base station, and these data are stored in the comparison device. The payer sends the identification code of the vendor's base station to the comparison means via the mobile cellular telephone, which compares it with the identification code of the stored data and transmits the corresponding monetary amount to the cellular telephone. Payment confirmation is requested and the result of the confirmation is transmitted to the comparing means which transmits the corresponding amount record to the account holding means. A system implementing the method includes a cellular telephone operating over a cellular telephone network, a vendor base station, and a comparison device connectable with the cellular telephone and the vendor base station by an electronic communication and/or data link.

Description

Method for performing cashless payment and system for implementing the method

The present invention relates to a method for cashless payment and a system for realizing the method.

In recent years, due to various reasons, the commercial activities of cashless payment have developed rapidly. In these commerce, it is no longer necessary to carry large amounts of cash with you when shopping, enabling bulk purchases, which in one case reduces the risk of theft and in another case stimulates purchases. For the seller, the handling of large cash sums is also avoided.

The simplest means of payment for this type of payment is a check, but it is very insecure because it is easily stolen and can be used in an improper way, for example, by forging a signature. Also, the use of checks is cumbersome for buyers and sellers.

Therefore, credit cards have been introduced in particular, by means of which the cardholder with a valid credit card can "pay" by his signature in combination with the credit card number, or usually with the card number alone. Since it does not include a perfect security structure, there is also a high risk of misuse. In addition to signatures, sellers often call the authorization center to determine if the card has been discontinued.

Because of the high fees, and because of the fact that credit card holders must often be granted a certain level of credit, smart cards, now sometimes called cash cards, were developed. In order to be able to store currency amounts on the card, encryption technology is used in these chip cards so that the card can only be topped up by authorized institutions. In order to pay a large amount of money, a password (PIN) is set, and the PIN can be checked directly from the chip card used for payment. Since a network-based recharge station must be set up, the cost of this payment method has to be considered. Moreover, the seller must also obtain the corresponding reading station.

Patent application WO98/47116 discloses a method of payment by a customer to a vendor by means of electronic communication means, and the corresponding means for implementing the method. In this method, the customer first establishes a mobile cellular phone-type connection via a cellular phone with a so-called electronic payment device. The device then requests a vendor's identification code and payment amount on the established connection. After establishing an appropriate communication connection and confirming the transmitted detailed transaction code and amount of this transaction, the electronic payment device temporarily stores the transaction data and sends a confirmation request to the client and the seller. After receipt of the confirmation, the amount is transferred from the bank specified by the customer by entering the database of the electronic payment device to the bank specified by the vendor by entry, or the first bank is ordered to transfer. For safety reasons, the geographic location of the mobile cellular phone can be judged from the judgment result of the wireless cell in which the phone is installed, or from GPS, and compared with a list or allowed locations. First, this method is technically complex in relation to location determination, and second, the customer must provide a large amount of comparative information via the cell phone, which is tedious and prone to error due to the small size of most keypads and displays. Also, further data relating to the transaction, such as payment purpose, cannot simply be entered.

Therefore, the object of the present invention is to provide a method, especially for customers, which is simple and safe, especially for cashless payments at different locations, and a system for implementing this method. For customers, a simple confirmation method, such as entering a PIN, completes the transaction without having to enter complex information or require additional steps. Furthermore, very little new infrastructure is required on the seller's side and on the customer's side, and in most favorable cases, provisioning of existing equipment at point-of-sale terminals will suffice.

This object is achieved by a method with the features of claim 1 and by a system with the features of claim 18 .

In contrast to using a credit card, due to the limited time period in which the mobile cellular phone needs to be connected and confirmation information entered, it is not possible for the merchant to use the data exchanged for future transactions during the connection.

Furthermore, payment can be made using the comparison device without having to have data concerning the security of the customer reach the merchant. In this sense, the method enables anonymous payments.

Furthermore, the method can be done in a very simple and inexpensive way for buyers equipped with a mobile cellular phone with a SIM card. A particular advantage of this method is that mobile cellular phones with SIM cards are very widespread, so there is a large user base that can use this method to make payments according to the invention without further investment or having to remember a PIN.

In addition, the vendor's base station is technically very simple, because in the simplest case, an electronic cash drawer with an out-of-line payment device is sufficient for the vendor to implement the invention. Likewise, a computer equipped with eg a modem and appropriate software can be used as a vendor's base station. Still further, the second mobile cellular telephone may be adapted for use as a simple vendor base station. Therefore, it is possible to make simple and secure cashless payments.

Also, although there is usually spatial proximity between the vendor's base station and the mobile cellular telephone, this is not required.

Furthermore, customers no longer have to enter the amount they pay. The method of the present invention has further advantages than the method according to WO/47116, since the price of the goods as a purchase standard is now obtained automatically at the cash drawer: from the price tag, or using a barcode, or by a The reader connected to the cash drawer is obtained by reading other characteristics, thus avoiding repeated collection of purchase prices.

This object is further achieved by a method having the features of claims 3 and 19, respectively, and a system implementing the method.

In addition to having the advantage of anonymous payment, the second method also has the same advantages as the first method; moreover, it also has the following advantage, that is, because the user is called, the number of times entered by the mobile cellular phone user reduced to a minimum.

However, compared with the first method, the identification code related to the SIM card will be delivered to the seller.

This object is further achieved by a method having the features according to claims 6 and 20, respectively, and a system implementing the method.

As stated in this application, the term "wireless data transmission interface" also includes corresponding devices for data processing, the so-called data processing is to read data from a memory, transmit or receive data, and write data to a memory. It may also include special software for the vendor's base station or mobile cellular phone. Wireless transmission can be accomplished by various media such as light in the infrared or visible region, microwave or radio waves, or even ultrasound. If microwaves or radio waves are used, a "BLUETOOTH" interface is particularly preferred. In fact, non-directional transmission can then take place, with no need for visible contact between the customer's mobile cell phone and the vendor's base station. If light is used, the interface is preferably an IrDA or AIr interface, that is, a specific protocol is used to transmit through infrared radiation within a strictly limited space angle range, so that on the one hand, interference is reduced, and on the other hand, the operating range is reduced.

The first method also has the advantage that the manufacturer does not have to know what type of data is being sent from the buyer, and the buyer does not have to enter the seller's own data.

In the first and second methods, it is necessary to read the identification code of the comparing means in the first step. However, it is possible to store the identification codes of the comparison devices, so that if only one comparison device is involved, this identification code can be linked automatically on the basis of the stored identification code, or, if several comparison devices are involved, only from One of these stored identification codes is selected.

Preferred embodiments of the method and of the system implementing the method are characterized in the dependent claims 2, 4, 5, 7-17, 21 and 22.

It can be understood that in this application a cellular phone includes a combination of other electronic devices such as an electronic notebook, or a general terminal device in a mobile wireless network provided with a telephone component, and a cellular phone. However, the key feature is to operate the device using only one SIM card, preferably protected by a PIN. It will be appreciated that SIM cards are usually so-called system or subscriber identity module cards on which are stored the data required for connection to a cellular phone, in particular the details of the identification terminal, which are inserted into the cellular phone so as to be able to Operate it in the corresponding network. Preferably also includes means corresponding to the GMS standard, however, other standards can also be used, which use encrypted data transmission and protect access to mobile cellular telephones by storing data in a structured form such as a SIM card , and preferably further access control via a PIN. Generally speaking, in this application, a mobile cellular phone with a SIM card is characterized by an identification code representing the SIM card, and it can be further understood that such a mobile wireless terminal device includes components fixedly installed therein, and these components have a SIM The above-mentioned function of the card is to store the details required for cellular phone connection, especially the data for identifying the terminal.

In the simplest case, the identification code associated with or identifying the SIM card may comprise the telephone number of the cellular telephone. However, in a further embodiment, another identification code determined by the telephone user may be used, such as a network operator identification code, and a network operator-wide identification code such as a network operator account number.

Especially in the case of the first and third methods, the use of the identification code is preferred when the identification code is stored in the SIM card and in the case of automatic transfer. In the third embodiment, the connection is confirmed or established only after the connection is made with such a SIM card, which substantially improves security, since it is easy to misuse the password alone in the first place, and because Automatic calling or transmission of the identification code stored in the SIM card, it is not possible to use the identification code not provided with the SIM card in the second place, so it is not easy to counterfeit the SIM card and its contents. Using a mobile cellular phone with such a SIM card, only the holder of the SIM card can confirm that payments are made from the account number associated with the SIM card. In addition, it is secure in that the mobile cellular telephone with the SIM card is usually protected by a PIN stored on the SIM card, which is entered when first used.

Since mobile wireless connections cannot be intercepted, or can only be intercepted with great difficulty, wireless connection operations are more or less ruled out.

The data to be output may likewise be output by voice, or in the form of graphic or text communication, for example, which may be displayed on a display of a cellular phone. For output, the comparison means must transmit the data to the cell phone in a suitable form.

Data can be entered in the cell phone by voice, in particular input confirmation information, for which the comparison device must be provided with a voice recognition device, which can also be entered in the form of keys, but decoding is difficult. Thus, it is also possible to enter information by means of the keys of the mobile cellular phone using the multi-frequency tone (touch-tone) method or using the SMS service.

If a comparison device and a mobile cellular phone are used, menu control can be used in particular to display information and enter data. Preferably, for the graphically displayed menu, eg WAP (Wireless Application Protocol), but also HTT or XC protocols can be used (however, no connection to the Internet).

Additionally, it is possible to combine identification information with other security query information such as passwords, PINs, secure ID cards, biometric tests such as fingerprint tests, voice or speaker recognition, or other security devices.

The vendor's base station includes an input device, an output device, and an interface for connecting the comparison device, and the base station is identified by an identification code. To connect the data to the comparison means, a pure data connection may be used, but other suitable types of telecommunication connections may also be used. Then design the corresponding interface. In particular, the vendor's base station may be a base station capable of being connected to a mobile cellular telephone, or in the simplest case, a simple mobile cellular telephone.

In a preferred embodiment, the identification code of the vendor's base station may not be transmitted, but after reading the name and address of the vendor's base station according to the vendor's base station identification code from a table stored in the comparison device, The name and location of the vendor's base station is transmitted to the cell phone.

In the first and second methods, the connection of the vendor's base station to the comparison device may be a permanent connection, or the connection may be made before or only after the appropriate information is entered. Therefore, this step can be considered as part of the first transmission step from the vendor's base station to the comparison device. In the latter case, after the transmission of the confirmation information to the vendor device (which can be considered as part of the transmission step), the connection between the comparison device and the vendor's base station is again aborted.

In the first and second schemes, if the cellular phone is not connected, the transaction is aborted. In this case, an appropriate number is preferably sent to the vendor's base station, where a corresponding message is sent.

In the preferred embodiments described in the first and second methods, the seller can also conveniently send the transaction reason or supplementary information to the comparison device. Specifically, as soon as the goods are identified by the goods marking connected to a goods database, for example by the goods code and/or the corresponding bar code, the seller can very conveniently transmit the data and the amount to be paid to the comparison device, and then transmit the to the customer. Such a procedure is obviously not possible in a method such as that described in WO/9847116 starting from a cellular phone.

In a preferred embodiment of the first and second methods and corresponding systems, the cellular telephone and the vendor's base station are provided with an interface through which the identification code can be transmitted from one device to the other by wireless means. Instead of entering an identification code, the interface is used to transmit the corresponding identification code from one device to another, and at the end of this step, alternatively, an identification code is entered manually. In the case of the first method, the vendor can transmit not only his identification code to the cellular phone via the interface, but also further supplementary information about the transaction situation, so that the customer does not have to further enter the vendor identification code, amount etc.

In a third method, the interface for wireless data transmission can be in analog form, only with appropriate modifications to the data processing.

If it needs to be combined with the identification code of the SIM card, the IR interface of the cellular phone should be designed in such a way that the identification code of the SIM card can be output through the interface using the keys on the phone and/or an identification code can be read in through the IR interface , and store the identification code, and also be able to send the identification code on the key during the current telephone connection. Corresponding memory and call functions are preferably also provided in the dealer's base station.

In a particularly preferred embodiment described in the third method and the system suitable for implementing the method, the vendor's base station and cellular phone are designed such that the identity code of the vendor's base station can be transferred using a wireless connection, particularly an IR connection. , yet further information, in particular monetary amounts, is transmitted from the vendor's base station to the cell phone, and said information can be temporarily stored in this cell phone. Further, cellular telephones are designed to be able to access and transfer stored data while a connection exists. Therefore, in the third method, it is only necessary to enter the identification code of the SIM card.

The comparing means comprises: interface means for data connection with the seller's base station and also for mobile wireless connection; and seller and buyer collating means for checking the The identification code of the SIM card; a transaction memory, which is used to store the situation of open transactions; a connection with an account keeping device; and a control device that supervises all operating processes and controls each device.

The comparison device is also provided with a pair of identification codes for its identification, in the simplest case a telephone number or an IP address.

The interface device comprises a device via which the corresponding purchaser can be connected and operated. Depending on the network used, these devices may be simple analog-operated modulators/demodulators, but for digital networks other digitally-operated interface devices may also be used.

The comparing means comprise buyer and seller checking means, with which it is possible for the method to check whether a buyer's or a seller's base station is authorized. The comparison means also comprise a buyer or seller storage means in which at least the identification code of the SIM card and the identification code of the seller's base station authorized to perform this service are stored. In the simplest case, an identifier may be a simple file or database in which further information relating to an identifier may be stored.

In a preferred embodiment, the identification code of the SIM card and the account number of the associated account holding means are stored in the buyer's memory in each case. If the identification code of the SIM card is not a telephone number, the identification code is still stored. At this time, according to the information in the buyer's storage device, what the control device transmits to the account storage device is not the identification code of the SIM card, but the account number corresponding to the identification code.

Accordingly, the identification code of the vendor's base station and the associated account number for the account holding means can be stored in the vendor's storage means. Subsequently, according to the information in the seller's storage device, what the control device transmits to the account storage device is not the identification code of the seller's base station, but the account identification data corresponding to the identification code, for example, in Germany, it is the account number and bank account number. code number. This procedure also applies to corresponding purchaser storage devices.

In a preferred embodiment, the account keeping means can be integrally formed with the comparing means, which results in a compact structure and very fast processing of transaction data with little disturbance.

For the transaction data, for example, in this method, the monetary amount and the identification code of the seller's base station are included, while in the second and third methods, the subscriber identification code is likewise included.

In the first method or a further preferred embodiment which implements the first method, information about open transactions is only stored for a specific time. If the information is not confirmed within this time, the public transaction will be cancelled, and the vendor base station involved in this public transaction will be notified that the transaction has been abandoned. Therefore, as a further security measure, it is necessary to close when making individual connections.

In another preferred embodiment, the cellular telephone network and the comparing means are designed such that the comparing means can determine the phone number of the SIM card of the calling mobile cellular phone and its phone number can be used as the SIM card identification code. In this case, in the comparison means, the identification code of the SIM card in the mobile cellular phone in various methods can be omitted, and usually replaced by the telephone number of the SIM card. At the same time, in the first and third methods, this ensures that only the holder of the SIM card can confirm the transaction.

The comparison device is preferably designed in such a way that errors in the method can be resolved manually by an operator.

The vendor base station and comparison means are preferably designed in such a way that they can be made to perform several of the various methods.

In addition to the configuration described above, the necessary data or telephone communication network must also be present in order to be able to carry out the method. In this sense, they are also part of the system that implements the method.

Payment on the Internet using the method of the present invention has particular advantages because the space between the cell phone and the vendor's device does not have to be very close, or in this case, the computer used to connect to the Internet Considered as part of the vendor's installation.

Embodiments of the present invention will be described below with reference to the drawings.

Fig. 1 schematically shows a system according to an embodiment of the present invention;

Figure 2 schematically shows a vendor's base station according to the system of Figure 1;

Figure 3 schematically represents the comparison device shown in Figure 1;

Figures 4a and 4b are a very simple diagram representing the method according to an embodiment of the first method of the present invention;

Figures 5a and 5b are a very simple diagram showing the method according to an embodiment of the second method of the present invention;

Figure 6 is a very simple diagram illustrating the method according to an embodiment of the third method of the present invention.

In Fig. 1, the system according to the first embodiment of the present invention includes: a mobile cellular phone 2 with a SIM card and an IR interface, a vendor's base station 1 with an IR interface and a comparison device 3. The identification code of the mobile cell phone can be transmitted from the phone to the vendor's base station via an IR link between their IR interfaces.

The comparison device 3 is connectable to the mobile cellular telephone 2 via a mobile wireless link and to the vendor's base station 1 via a data link.

These three kinds of devices, i.e. vendor's base station 1, comparison device 3 and mobile cellular phone 2, and more precisely their internal SIM cards, are all provided with identification codes to identify them. In this embodiment, identification The codes represent the telephone numbers of the vendor's base station, comparison device and mobile cellular telephone. However, instead of a telephone number, such as an IP address, etc. may also be used.

The mobile cellular telephone 2 includes a SIM card suitable for a given telephone network, which is activated by entering a PIN as is generally known per se, and which also includes itself as known for data Switched IR interface. Therefore, this design allows for the transmission of data transmitted and stored via the IR interface according to the request signal generated during the ongoing telephone connection. The method can be implemented by triggering in a corresponding mobile radio network.

The vendor's base station 2 in FIG. 2 comprises an input device, for example in the form of a keyboard, an output device and an infrared interface 6, as well as an interface 8 for data linking. The output device is, for example, a display device such as a monitor; the infrared interface 6 is designed such that data exchange with a cellular phone is possible via the infrared interface. The control device 7 is connected with other devices, and can process the input data and the sent data to be displayed on the output device 4, and receive data through the IR interface 6 and/or data interface 8 according to the data input from the input device 5 or other interfaces. or transfer data.

Comparing device 3 among Fig. 3 comprises an interface device 9 and an interface device 14 for mobile wireless connection, a transaction data memory 10 for temporary storage of transaction data, a for A seller checking device in the form of a seller's storage device 11 for storing the seller's identification code and corresponding account number, a buyer's checking device in the form of a buyer's storage device 12 for storing the buyer's identification code and corresponding account number , a connection to account keeping means 15, and control means 13 for processing and exchanging data of the comparison means in the above means. In the simplest case, the comparison device 3 can be a PC or other computer provided with a suitable communication interface card and corresponding software.

The respective control units 7 and 13 of the vendor's base station and of the comparison device are designed such that they can carry out the individual steps of the payment process. According to different payment methods, different forms of control devices can be selected.

The following describes the payment transaction process according to an embodiment of the first method.

Fig. 4 a and 4b represent the brief operation process of this method in the form of a table, wherein in the corresponding column, the method steps that each system component of mobile cellular phone 2, comparison device 3 and vendor's base station 1 are completed successively .

In actual implementation, during the period after the vendor identification code is checked, the currency amount and the vendor identification code are transmitted from the vendor base station to the comparison device 3 and stored in the comparison device. According to the design of the cellular phone, before and after the comparison device 3 is connected, the vendor identification code is read from the mobile cellular phone 2; the vendor identification code can also be input by the voice input method, and the identification code with the SIM card The vendor identification code is transmitted to the comparison device together with the code, where the identification code of the SIM card is checked. By comparing the identification code of the vendor's base station with the temporarily stored data, the money amount data to be transmitted can be judged, the money amount data is sent to the mobile cellular phone 2, and output there. After inputting the confirmation information, the confirmation information is transmitted to the comparison device 3, and the comparison device 3 sends the data to the seller's base station 1 according to the confirmation information, and transmits the data to the account keeping device 15.

Next, the method according to this embodiment will be described in detail.

The amount of currency to be paid at first and the identification code for the comparison device 3 are input into the seller's base station 1 by the input device 5, and subsequently, after realizing the data connection with the comparison device 3 through the data connection interface 8 and the data connection, by means of the control device 7. Transmit the identification code and currency amount for the seller's base station 1 as transaction data to the comparison device 3 provided with the device identification code.

The data are received in the comparison device 3 via the interface 9 for the data connection.

After comparing the vendor identification code with the vendor identification code input into the vendor memory 11, after checking the legitimacy of the vendor's base station for the service, just like an open transaction, the transaction is processed by the control device 13 The data are written into the transaction data memory 10 of the comparison device 3 . The identification code (ie the telephone number of the vendor's base station) is transmitted to the cellular phone 2 via the infrared interface 6 before the data is entered into the vendor's base station 1 , or at the latest after connection to the comparison device 3 . The mobile cellular phone 2 is connected to the comparison device 3, and the identification code stored by the seller's base station and the identification code of the cellular phone are transmitted to the comparison device 3. Even if the transmission via the infrared interface fails temporarily, the identification code can also be entered via the keypad. Therefore, such input can also be performed if a cellular phone not provided with an IR interface is used.

The vendor identification code transmitted from the mobile cellular phone 2 is compared with the vendor identification code of the open transaction stored in the transaction data memory 10 in the comparison means 3 . If no such transaction is found, the process is terminated, otherwise, the generated transaction data is transmitted via the mobile radio interface to the mobile cellular phone and output there. In addition, the identification code of the mobile cellular phone is compared with the purchaser identification code input to the purchaser memory 12 to judge whether the purchaser is allowed to enjoy the service. If not allowed, the transaction is ended and the corresponding data is sent to the seller's base station 1 .

After requesting confirmation and confirming the information entered by the keyboard of the mobile cellular phone 2, the confirmation data is transmitted to the comparison device 3, which in turn transmits the confirmation information to the seller's base station 1 and outputs it here.

In the control device 13 of the comparison device 3, it is checked whether the confirmation data corresponds to a rejection. In the first case, the transaction is ended, in the second case, the transaction data of the transaction data memory 10 is read out, and according to the data in the seller and the transaction data memory, the identification codes of the seller's base station and the mobile cellular phone are converted into account numbers , and transfer the transaction data with the account number to an account keeping device 15 now. The transaction is cleared from the transaction data store 10 .

A routine check is carried out in the comparison device 3 as to how long the open transaction lasted in the transaction data store 10 . If an open transaction exceeds the predetermined time limit, data will be sent to the corresponding vendor's base station, indicating that this transaction has been rejected, and this open transaction will be removed from the transaction data memory 10.

Figures 5a and 5b schematically illustrate the process of a payment transaction according to an embodiment of the second method in diagram form, wherein the respective columns of the mobile cellular phone, the comparison device and the seller's base station are shown in the corresponding columns in order of top and bottom. Method steps performed in sequence in a system.

In fact, the amount of money and the identification code of the seller's base station 1 are read in via the IR interface 6, the identification code of the SIM card is read in, and they are transmitted to the comparison device 3 . After checking the vendor identification code and the SIM card identification code, the cellular phone 2 is connected according to the SIM card identification code, and the data output from the cellular phone 2 is transmitted. After inputting the confirmation information and transmitting the confirmation information to the comparing means 3, the confirmation information is transmitted to the seller's base station 1, and the transaction data is transmitted to the account holding means 15.

Below, describe the method according to this embodiment in detail:

For the respective devices carrying out the method, the schematic diagrams shown in FIGS. 1 to 3 apply again, but according to this modified method, the modes of operation of the control devices 7 and 13 are different.

At the seller's base station 1, the amount of money to be paid input through the infrared interface 6, the identification code for the comparison device 3 and the identification code of the mobile cellular phone 2 are read into the seller's base station. After the data connection to the comparison device 3, the identification code of the seller's base station, the identification code of the mobile cellular phone and the monetary amount are transmitted to the comparison device as transaction data.

The data are received in the comparison device via the interface 9 for the data connection. The identification codes of the seller's base station and the SIM card are compared with the identification codes of the seller's memory 11 and the buyer's memory 12, so as to determine whether authorized sellers and buyers have participated in this service. Without any authorization, the corresponding data is sent to the seller's base station 1 and the transaction is concluded. Otherwise, the data of the public transaction is written into the transaction data memory 10 . According to the identification code of the SIM card, the comparison device is connected to the mobile cellular phone 2, the transaction data is transmitted to the mobile cellular phone, and the data is output via the mobile cellular phone. If no connection is made, end the transaction.

Confirmation information is requested via the mobile cellular phone 2 and the input confirmation data is transmitted to the comparison device 3 .

If the confirmation data corresponds to a rejection or no response, the comparison means 3 terminates the transaction.

An acknowledgment message and optional further transaction information are transmitted at the seller's base station 1 , while an end message is transmitted in the case of a rejection. An end reason may also optionally be transmitted. In a first method, the transmission of transaction data takes place.

Fig. 6 schematically shows a payment transaction process according to the embodiment of the third method in the form of a table, wherein, according to the upper and lower order in the corresponding column, each system component of the mobile cellular phone, the comparison device and the seller's base station is completed in sequence method steps.

In fact, the identification code of the seller's base station 1 is input into the mobile cellular phone 2, the comparison device 3 is connected, and the identification code of the seller's base station 1 and the identification code of the SIM card, as well as the monetary amount input by the mobile cellular phone 2 are transmitted to Compare device 3. After checking these identification codes, at least the currency amount is transmitted to the merchant's base station, and the corresponding transaction data is transmitted to an account keeping device.

Below, describe the method described in this embodiment in detail:

Again the schematic diagrams shown in Figures 1 to 3 are applied to suitable means for carrying out the method, but wherein, according to the improved method, the control means 7 and 13 operate differently. The identification code of the vendor's base station is first transmitted from the vendor's base station 1 to the cellular phone through the IR connection, and temporarily stored in the cellular phone. A connection is then established with the comparison device 3 via the cellular phone 2 .

The amount to be paid is then read in by the cellular phone 2 and the identification code of the seller's base station 1 and the identification code of the SIM card are transmitted to the comparison device 3 . Based on the seller's memory 11 and the buyer's memory 13, the comparing means 3 checks whether the seller's base station 1 and the SIM card are registered for service. If it is not registered, the transaction is ended, otherwise, the account number is judged according to the identification code of the seller's base station and the mobile cellular phone, or the SIM card is judged according to the seller's memory and the buyer's memory, and these account numbers and the currency amount are transferred to the account storage device 15.

Subsequently, the confirmed monetary amount is transmitted to the seller's base station 1 .

Claims (22)

1, a kind of realization cashless payment transaction method has been utilized: be a dealer base station (1) of feature with dealer's base station identity code; One mobile cellular telephone (2), it is provided with the identification code that this cell phone is discerned is the SIM card of feature; And a comparison means (3), this comparison means comprises: a transaction data memory storage (10); Device (11) is checked by one dealer, and this device is used to check the identification code of the dealer base station of licensing this method; And one the buyer check device (12), this device is used to check the SIM card identification code of licensing this method; Described comparison means also is connected with accounts save set (15),

Described method comprises the steps:

Read the amount of currency that to pay the dealer base station;

By data links the identification code of dealer base station and be that amount of currency is transferred to the comparison means that is provided with identification code at least;

Utilize dealer to check the mandate that device is checked the dealer base station of using this method;

When not authorizing, method ends, otherwise, the data as an open transaction are write the transaction memory storage of comparison means;

Mobile cellular telephone is connected with comparison means;

From the identification code and with SIM card relevant identification code of mobile cellular telephone to comparison means transmission dealer base station;

Utilize the buyer to check device and check the mandate of SIM card this method;

When not authorizing, method ends, from transaction core dump memory clear open transaction, and a corresponding data transmission to the dealer base station, otherwise, dealer's base station identity code that comes from the mobile cellular telephone transmission and the identification code that is stored in the open transaction the memory storage of concluding the business are compared, if do not find such transaction, then the end process process if found this transaction processing process, is then transmitted transaction data to mobile cellular telephone;

By the mobile cellular telephone output data;

By mobile cellular telephone request confirmation;

To comparison means acknowledge data;

If with confirm data corresponding be the refusal, just close the trade, and from the transaction storer, remove transaction, and in another case, being transferred to an accounts save set, and from the transaction storer, remove current transaction from the transaction transaction data of storer and the identification code of mobile cellular telephone.

2, the method for claim 1, it is characterized in that, dealer base station (1) and cell phone (2) are provided with interface (6), be used for from the dealer base station to the cell phone wirelessly transmitting data, and the identification code of dealer base station is transferred to mobile cellular telephone by these interfaces, so that carry out wireless transmission before mobile cellular telephone is connected with comparison means (3), and with comparison means exist be connected during, can transmit the identification code that is stored in the comparison means.

3, a kind of realization cashless payment transaction method has been utilized: be a dealer base station (1) of feature with dealer's base station identity code; Be provided with SIM card and be provided with the mobile cellular telephone (2) and a comparison means (3) of the identification code relevant with SIM card, this comparison means comprises: a transaction data memory storage (10); Device (11) is checked by one dealer, is used to check the identification code of the dealer base station of licensing this method; And one the buyer check device (12), be used to check the identification code of the SIM card of licensing this method, be not under the situation of its telephone number in the identification code of SIM card, be used to store the telephone number relevant with this SIM card; Described comparison means also is connected with accounts save set (15),

Described method comprises the steps:

The identification code of the SIM card of the amount of currency that will pay and a mobile cellular telephone is read in the dealer base station;

By data links, to the identification code of the identification code of the comparison means transmission dealer base station that is provided with identification code, mobile cellular telephone, also have amount of currency at least;

Check in the device in dealer,, check the mandate of the dealer base station of using this method, utilize the buyer to check the mandate that device is checked the SIM card of using this method by the content of relatively importing;

When not authorizing, method ends, otherwise, the data as an open transaction are write the transaction memory storage;

Identification code in SIM card is not under the situation of telephone number, reads the buyer according to identification code and checks telephone number in the device;

Comparison means is connected to mobile cellular telephone;

To mobile cellular telephone transmission transaction data;

Utilize the mobile cellular telephone output data;

By mobile cellular telephone request confirmation;

To comparison means acknowledge data;

If with confirm data corresponding be the refusal, just close the trade;

Confirm the result to dealer's base station transmits, and optionally transmit further transaction data,

To be transferred to an accounts save set from the transaction data of transaction storer and the identification code of mobile cellular telephone, and from the transaction storer, remove current transaction.

4, method as claimed in claim 3, it is characterized in that, mobile cellular telephone (3) and dealer base station (1) comprise interface, be used for wirelessly transmitting data, and when this method begins, the identification code relevant with SIM card is transferred to dealer base station (1) from mobile cellular telephone (3) by these interfaces, and stores like this, promptly can make this identification code be used for subsequently step in dealer base station (1).

5, as the described method of above-mentioned any one claim, it is characterized in that,, just suspend trading if information in the schedule time after comparison means, is not provided confirmation from dealer's base station transmits.

6, a kind of cashless payment transaction method of carrying out, utilized: with dealer's base station identity code is a dealer base station (1) of feature, it is provided with one and is used for the interface that wireless data connects; One mobile cellular telephone, its be provided with a SIM card, an identification code relevant with SIM card and with the corresponding interface of interface that is used for wireless connections dealer base station; An and comparison means (3); This comparison means comprises: a transaction data memory storage (10); Device (11) is checked by one dealer, is used to check the identification code of the dealer base station of licensing this method; And one the buyer check device (12), be used to check the identification code of the SIM card of licensing this method; Described comparison means also is connected with accounts save set (15),

Described method comprises the steps:

By being used for the interface that wireless data connects, between dealer base station (1) and mobile cellular telephone (2), connect, and to this cellular telephone transmissions dealer identification code;

Mobile cellular telephone is connected with comparison means;

Utilize the buyer to check the mandate that device is checked the SIM card of using this method;

When not authorizing, method ends;

Read in the amount of currency that to pay, be used for the identification code of dealer base station and the identification code of mobile cellular telephone, and foregoing is transferred to comparison means;

Utilize dealer to check the mandate that device is checked the dealer base station of using this method;

If do not authorize, method ends then, otherwise, to the identification code and the amount of currency of accounts save set transmission dealer base station and mobile cellular telephone;

Amount of currency to dealer's base station transmits affirmation.

7, method as claimed in claim 6 is characterized in that, except dealer's identification code, also transmits the data of relevant transaction situation in first step.

8, as claim 6 or 7 described methods, it is characterized in that, in last step, also transmit the identification code relevant with SIM card.

9, as the described method of above-mentioned any one claim, it is characterized in that wave point is an infrared interface.

As the described method of above-mentioned any one claim, it is characterized in that 10, wave point is a microwave interface.

11, as the described method of above-mentioned any one claim, it is characterized in that, from the dealer base station additional transmission of transaction data to comparison means or mobile cellular telephone.

12, as the described method of above-mentioned any one claim, it is characterized in that, if can not carry out a kind of connection in the necessary connection, just close the trade, and, under corresponding situation, remove the open transaction situation of storing in the transaction storer (19) of comparison means (3).

13, as the described method of above-mentioned any one claim, it is characterized in that, be transferred to accounts save set (15) before, with the corresponding data replacement identification code of identification amount of currency.

14, as the described method of above-mentioned any one claim, it is characterized in that,, then attempt at least carrying out another time connection, and only after having attempted like this, just the end process process if be not connected to dealer base station (1) or mobile cellular telephone (2).

15, as the described method of above-mentioned any one claim, it is characterized in that,, just communicate with dealer base station (1) or mobile cellular telephone (2) if before process finishes, can not carry out a certain connection.

16, as the described method of above-mentioned any one claim, it is characterized in that, the identification code relevant with SIM card is the identification code that is stored on the SIM card and discerns this card, between mobile cellular telephone (2) and comparison means (3) in the process of transmission data, the transmission of the identification code relevant with SIM card takes place automatically.

As the described method of above-mentioned any one claim, it is characterized in that 17, the identification code relevant with SIM card is its telephone number.

18, a kind of system that realizes the described method of claim 1 comprises:

With dealer's base station identity code is a dealer base station (1) of feature;

One mobile cellular telephone (2) is provided with a SIM card and as the Feature Recognition sign indicating number of this SIM card; And

One comparison means (3), this comparison means comprises: a transaction data memory storage (10); Device (11) is checked by one dealer, is used to check the identification code of the dealer base station of licensing this method; And one the buyer check device (12), be used to check the SIM card identification code of licensing this method; Described comparison means also is connected with accounts save set (15), wherein:

Dealer base station (1) comprises that an input media and an output unit (4,5) and are used for carrying out the device (8) that data are connected with mobile cellular telephone (2); Described comparison means (3) further comprises the interface arrangement (9) that is used for being connected with the dealer base station data, be used for the interface arrangement (14) and the control device (13) that are connected with mobile cellular telephone, this control device (13) is after connecting and transmitting transaction data from the dealer base station, utilize dealer to check the mandate that device (11) is checked the dealer base station of using this method, and when not authorizing, method ends, otherwise just the transaction data input transaction data memory storage (10) that is transmitted;

Go up mobile cellular telephone (2) in case connect, receive the SIM card identification code, just utilize the buyer to check the mandate that device (12) is checked the SIM card of using this method, and when not authorizing, method ends, otherwise, just this identification code and the content that is input to the transaction data memory storage are compared, if find that current transaction is consistent with the identification code of SIM card, just transmit the transaction data of position to this mobile cellular telephone by the interface arrangement that is used for being connected with mobile cellular telephone, confirm request but also send one to this mobile cellular telephone, by the interface arrangement confirmation of receipt data that are used for being connected with mobile cellular telephone, this affirmation is interpreted as accepting or refusal, by described interface arrangement to dealer's base station transmits confirmation, and under situation about accepting, to the identification code of accounts save set transmission transaction data and mobile cellular telephone.

19, a kind of system that realizes the described method of claim 3 comprises:

With dealer's base station identity code is a dealer base station (1) of feature;

One mobile cellular telephone (2) is provided with a SIM card and as the Feature Recognition sign indicating number of this SIM card; And

One comparison means (3), this comparison means comprises: a transaction data memory storage (10); Device (11) is checked by one dealer, is used to check the identification code of the dealer base station of licensing this method; And one the buyer check device (12), be used to check the SIM card identification code of licensing this method, if this identification code is not a telephone number, then store this telephone number; Described comparison means also is connected with accounts save set (15), wherein:

Dealer base station (1) comprises that an input media and an output unit (4,5) and are used for the device (8) that is connected with comparison means (3) data, this comparison means (3) further comprises the interface arrangement (9) that is used for being connected with the dealer base station data, be used for the interface arrangement (14) and the control device (13) that are connected with mobile cellular telephone

Connecting and after dealer's base station transmits transaction data, utilize dealer to check the mandate that device is checked the dealer base station of using this method, utilize the buyer to check the mandate that device is checked the SIM card of using this method, and when not authorizing, method ends, otherwise just the transaction data input transaction data memory storage that is transmitted; By the interface arrangement that is used for being connected with mobile cellular telephone, be connected with the identification code of mobile cellular telephone in being included in transaction data according to described connection, to described mobile cellular telephone transmission transaction data, and to described mobile cellular telephone transmission one affirmation request, by the interface confirmation of receipt data that are used for being connected with mobile cellular telephone, this request is interpreted as accepting or refusal, under situation about accepting, confirmation is transferred to the dealer base station and to the identification code of accounts save set transmission transaction data and mobile cellular telephone by interface arrangement.

20, a kind of system that realizes the described method of claim 6 comprises:

With dealer's base station identity code is a dealer base station (1) of feature, the interface that this base station (1) has wireless data transmission;

One mobile cellular telephone (2) is provided with SIM card and as the Feature Recognition sign indicating number of this SIM card, and with the corresponding interface of interface that is used for dealer's base station radio transmission; And

One comparison means (3), this comparison means (3) comprising: a transaction data memory storage (10); Device (11) is checked by one dealer, is used to check the identification code of the dealer base station of licensing this method; And one the buyer check device (12), be used to check the SIM card identification code of licensing this method; Described comparison means also is connected with accounts save set (15), wherein:

Dealer base station (1) comprises that an input media and an output unit (4,5) and are used for the device (8) that is connected with the comparison means data,

Described comparison means (3) further comprises the interface arrangement (9) that is used for being connected with the dealer base station data, be used for the interface arrangement (14) and the control device (13) that are connected with mobile cellular telephone, when control device and mobile cellular telephone (2) when being connected, receive the identification code of identification code, the amount of currency that will pay and the dealer base station of mobile cellular telephone;

Utilize dealer to check the mandate that device is checked the dealer base station of using this method, utilize the buyer to check the mandate that device is checked the SIM card of using this method, when not authorizing, method ends, otherwise, just amount of currency is transferred to the dealer base station by interface arrangement, and the identification code of the identification code of amount of currency, mobile cellular telephone and dealer base station is transferred to the accounts save set, and from the transaction data storer, remove corresponding transaction.

21, as the described system of any one claim of claim 18 to 20, it is characterized in that, described comparison means (3) comprises that a buyer checks device (12), wherein preserve the identification code of each mobile cellular telephone and the number of the account relevant with the accounts save set, and, described control device transmits and the corresponding number of the account of identification code to the accounts save set according to the information that the buyer checks in the device, rather than the identification code of mobile cellular telephone.

22, as the described system of any one claim of claim 18 to 20, it is characterized in that, comparison means (3) comprises that a dealer checks device (11), wherein preserve the identification code of each dealer base station and the number of the account relevant with the accounts save set, and, described control device transmits and the corresponding number of the account of identification code to the accounts save set according to the information in dealer's memory storage, rather than the identification code of dealer base station.

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