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EP2263216A1 - Procédé et ordinateur de service ainsi que système pour une transaction d'une somme d'argent - Google Patents

Procédé et ordinateur de service ainsi que système pour une transaction d'une somme d'argent

Info

Publication number
EP2263216A1
EP2263216A1 EP09716167A EP09716167A EP2263216A1 EP 2263216 A1 EP2263216 A1 EP 2263216A1 EP 09716167 A EP09716167 A EP 09716167A EP 09716167 A EP09716167 A EP 09716167A EP 2263216 A1 EP2263216 A1 EP 2263216A1
Authority
EP
European Patent Office
Prior art keywords
person
srv
service
service computer
transaction
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Withdrawn
Application number
EP09716167A
Other languages
German (de)
English (en)
Inventor
Michael Carell
Bernd Graw
Dirk Bradler
Dominik Hirt
Wolfgang Bergschneider
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Wincor Nixdorf International GmbH
Original Assignee
Wincor Nixdorf International GmbH
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Wincor Nixdorf International GmbH filed Critical Wincor Nixdorf International GmbH
Publication of EP2263216A1 publication Critical patent/EP2263216A1/fr
Withdrawn legal-status Critical Current

Links

Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]
    • G07F19/202—Depositing operations within ATMs
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/108—Remote banking, e.g. home banking
    • G06Q20/1085—Remote banking, e.g. home banking involving automatic teller machines [ATMs]
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/18—Payment architectures involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
    • G06Q20/3255—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks using mobile network messaging services for payment, e.g. SMS
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]

Definitions

  • the invention relates to a method for the transaction of a sum of money according to the preamble of patent claim 1 and a method performing service computer and a system equipped therewith according to the preamble of the independent claims.
  • Procedures for the transaction of funds between accounts of different people and dedicated devices or systems are well known. Also well known are devices in the form of ATMs that allow for a cash payment of a cash amount, usually the cash payment is made to the person who is also the account holder.
  • DE 10 2005 050 605 A1 proposes a method and a system for the transaction and payment of a cash amount at an ATM.
  • the transaction of the amount of money takes place from an account of a person who is also account holder, to any ATM, where this person gets paid on a successful release of the cash payment the amount of money.
  • the transaction and activation of the amount of money is carried out via online banking or telephone banking via appropriate communication connections.
  • the account holder establishes an online and / or telephone connection to a device which can be designed as a service computer or server in order to carry out a transaction or
  • the account holder transfers data via the online or telephone connection to the service computer, which in particular provides information about the customer account and the amount to be transferred or disbursed.
  • the account holder can then effect the payment of the cash amount at an ATM connected to the service computer by identifying himself at this ATM, for example by means of his bank card, and / or by authenticating him / her by querying biometric data or the like.
  • a method of transaction of a sum of money from an account of a person at an ATM to cash payment of the amount of money to the first person or to a second person is proposed, wherein the transaction is performed by a transaction service managed by a service computer, and wherein Release of the cash payment a connection from the service computer to the
  • At least one telecommunications number is transmitted from the first person to the service computer, which is used by the service computer to send a notification via a telecommunications service to at least one of the persons.
  • the proposed service computer or server carries out the transaction of the amount of money, wherein the first person also transmits to the service computer at least one telecommunication number, which the service computer then sends out a notification of a telecommunications service to at least one of the persons used.
  • the proposed system is equipped with such a service computer and an ATM connected to it, with which the implementation of the transaction of the cash amount and the cash payment are carried out.
  • the transaction of the amount of money is carried out by transmitting at least one telecommunication number, which the service computer uses to at least one of the persons, in particular the
  • the notification takes place via a telecommunications service, which can represent, for example, a mobile short message service (so-called Short Message Service).
  • the transmitted telecommunications numbers can be, for example, mobile phones which specify the mobile telecommunications terminal of the first person and / or the second person.
  • telecommunications numbers but not only mobile numbers can be used, but also, for example, landline numbers, IP addresses for Internet communication, in particular for VoIP or WLAN telephony, etc.
  • the service computer based on the telecommunications numbers transmitted to him specifically to the people involved Send directed notifications, in particular short messages (short SMS message) to confirm a registration or registration for the transaction service.
  • the invention enables a very customer-friendly and flexible implementation of the transaction and release of a cash payment from a first person in particular to a second foreign person.
  • an account holder can initiate a transaction via the transaction service described here by sending an SMS message, which finally leads to the release of a
  • the service computer can be determined by the Telecommunications numbers notified to it both authenticate the account holder at the beginning of the transaction, for example by sending him a confirmation message, and can also authenticate the recipient when accessing the ATM by sending this confirmation message.
  • the respective telecommunication number indicates a particular mobile telecommunication terminal, which is assigned to the first or second person.
  • the at least one telecommunication number is used for authenticating the first or second person to the respective telecommunication terminal assigned to it.
  • the telecommunications number communicated to the system can not only serve to carry out communication, in particular automatic notifications of the persons, but also serve for complete or partial authentication of the individual person himself.
  • the first and / or second person authenticates by sending data or requests from their personal mobile radio terminal to the system. Since the mobile device is uniquely assigned to this person, when the data is received, the system can use the signaled telephone number to check whether the data and requests actually come from the corresponding person.
  • the telecommunications number serves as a kind of Erkennungspp. Authentication feature for each person.
  • the first person can also be assigned an access code, which is transmitted by the first person for the use of the transaction service to the service computer.
  • the access identifier as well as the at least one telecommunication number are transmitted via the same communication service, in particular via a mobile short message service or SMS service.
  • the respective telecommunication number indicates a particular mobile telecommunication terminal, which is the first or second Person is assigned.
  • the invention is particularly suitable for implementation by means of a mobile communication network or service, which may be preferably configured as a short message service or SMS service.
  • a mobile communication network or service which may be preferably configured as a short message service or SMS service.
  • the access identifier and a first telecommunications number is communicated indicating a particular mobile first telecommunication terminal, which is associated with the first person. This is in particular a registration or
  • Telecommunications number is communicated, which is a particular mobile
  • Telecommunications terminal indicates that is associated with the second person.
  • the first person gives an indication of the amount of the money together with the second telecommunication number for initiating the transaction of the amount of money to the service computer.
  • Telecommunications number and / or the amount of money is communicated via a short message service.
  • a short message service in particular by a single short message or SMS already a transaction can be completely arranged and the account holder only requires the sending of a single such short message.
  • the first person is notified by the service computer of a transaction number for carrying out the transaction, in particular via a short message service.
  • the second person is notified by the first person of the transaction number via the short message service.
  • the transmission of the key for the transaction key, namely the transaction number both the system side via a short message service as well as the user via a short message service.
  • the transaction number can first be sent from the service server to the account holder on the system side, which in turn sends this transaction number via another SMS to the desired recipient, who in turn also uses this transaction number when operating the ATM for the purpose of releasing and paying out the cash amount sends to the system via SMS.
  • the persons involved need only their mobile phone to achieve a secured transaction and payment of the amount of money.
  • the transaction number itself is valid only for a single transaction, so that any spying of the transaction number is pointless and thus any attempt to cheat remains unsuccessful.
  • the first person is notified by the service computer of a list of indexed transaction numbers for carrying out a plurality of transactions, in particular via a short message service.
  • Telecommunications Numrner is transmitted to the service computer or the associated ATM from the mobile second telecommunication terminal from, in particular via a mobile short message service or a wireless communication interface, such as a Bluetooth interface is transmitted.
  • the second telecommunication number in turn serves for secure authentication of the recipient and to check whether this is actually entitled to pay or to receive the amount of money. It can preferably in turn be resorted to a transmission of the telecommunications number using SMS or Bluetooth.
  • the invention can be carried out in an advantageous manner in particular in that the telecommunication numbers transmitted here, for example mobile numbers,
  • IP addresses for Internet communication where the EP addresses are used in particular for VOIP or WLAN telephony or e-mail communication or instant messaging.
  • the users of the method and system proposed here can access modern communication services and terminals, in particular mobile terminals.
  • the service computer has at least one device, such as modem and / or transceiver for connection to a mobile network, a landline, an EP network.
  • a device such as modem and / or transceiver for connection to a mobile network, a landline, an EP network.
  • the service computer database are preferably for each person who the
  • Transaction service uses stored at least the access identifier and the telecommunications number, which are assigned to this person. Furthermore, in the database preferably for the respective person to whom the amount of money is paid, stored at least the telecommunications number that is associated with this person. In this context, it is beneficial if in the database for the
  • At least one transaction number is stored, which is associated with this transaction of at least one telecommunications number.
  • all relevant data and information is included to perform the transaction and release of the cash payment, in particular the logical allocation of the actual transaction data, such as e.g. the account number, the amount of money, the transaction number and the access number for the service according to the invention with the transmitted telecommunication numbers, e.g. the mobile number of the account holder and that of the recipient.
  • the transmitted telecommunication numbers e.g. the mobile number of the account holder and that of the recipient.
  • the ATM has at least one interface for wireless short-range communication with a mobile telecommunication console. Terminal has.
  • the Authentif ⁇ zierang the receiver can be done directly at the ATM, the receiver only has to use his example Bluetooth-enabled mobile device.
  • FIG. 1 shows a schematic representation of the exchange of information or data between the first person and components of the system for registration or registration for the transaction service described here.
  • FIG. 2 shows a schematic representation of the transmission of information or data between the first and second persons and between these and the system components involved for carrying out a transaction according to the invention.
  • FIG. 3 is a schematic flow diagram illustrating the individual
  • Fig. 1 illustrates in a schematic representation of the process or the scenario of registration of the first person A for the use of the transaction service for
  • Transaction of a sum of money from an account of this first person A for cash payment to a second person B is a foreign person, wherein the erf ⁇ ndungsdorfe system is accessed.
  • this system comprises a service computer SRV, which performs and / or controls both the registration and the actual transaction and in particular receives messages from the person A and sends notification to this person.
  • the registration illustrated here with reference to FIG. 1 precedes the actual procedure for the transaction of the monetary amount, which will be described in more detail later with reference to FIGS. 2 and 3.
  • the registration of the first person A for using the transaction service will be described here with reference to FIG.
  • the first person A is also an account holder and wants to arrange a certain amount of money to pay the cash to a second person.
  • the registration takes place for example via a terminal TRM, with the
  • Service computer SRV and e.g. a customer terminal or even a
  • the registration can also be over any other
  • the first person A has a
  • Mobile communication terminal MA in particular to receive notifications from the service computer SRV. Registration is now performed as follows:
  • the first person A enters in a first step (a) at least one's own telecommunications number APN in the terminal TRM.
  • the telecommunication number represents the first person's own mobile number A, such as e.g. the number sequence "004917011 " dar.
  • the number sequence "004917011 " dar.
  • Access number MCPIN which is assigned to the respective person and which is requested for registration.
  • the access number MCPIN is a Personal Identification or a PIN code and is for example "1234.” This code authorizes the person A to use the transaction service, both of which are then transmitted from the terminal TRM to the service computer SRV, for example via a conventional one
  • these input data are processed by the service computer and entered for registration REG of the person A in the database connected to the service computer DG or with local data adjusted.
  • person A is a customer of a bank and has an account there.
  • the person A only needs to enter their mobile number APN and the access code MCPIN into the system for their registration or deposit there.
  • the service computer or server SRV then sends in a step (c) a confirmation message CNF per short message message SMS to the specified mobile number APN. This is to check if the given telecommunication number is correct. As a result, there is an authentication of the customer A when registering for the transaction service.
  • the confirmation message from the server SRV may also include a request, after which the customer A is requested to respond with a return SMS to the system. If this is the case, the registration REG is completed.
  • the system can give the customer a single
  • the transaction number or the list iTANL can also be transmitted via the telecommunication service SMS. Alternatively or additionally, this can also be done over another
  • the service computer SRV which is in communication with the database DB and can also connect to at least one ATM ATM.
  • service computer SRV not shown devices or interfaces for communication via a telecommunications network SMS to
  • the method MCM begins with a first step (1), in which the first person A sends from his mobile phone MA, a short message SMS to the server SRV, this message, the mobile number of the recipient BPN and an indication of the height of the amount of money to be transferred AOM contains. For example, the mobile number BPN is "004917022 " and the amount to be transferred is, for example, 150.
  • the server SRV is now caused to start a transaction, in a second step (2) the server sends first one
  • Confirmation message CNF back to the first person A. This is also done as part of a short message SMS message. With this notification, the first person A is requested to notify the necessary access code MCPIN or to input at their terminal. This message is then in the next step (3) via the short message service SMS. For example, that is
  • the first person A is requested by the system to confirm the transaction, which CNF message could be, for example: "Please confirm the 150 Euro money order for the telephone number.
  • the server SRV recognizes that the first person A is authorized to use the transaction service and in step (4) initiates the sending of a transaction number TAN to the first person A.
  • This transaction number For example, TAN is "6969" and may also be communicated via the SMS service, or alternatively, the first person may already have a list of transaction numbers (see iTANL in FIG.
  • the server SRV now sends to the second person B, that is to the recipient, a notification containing both a general information INF and the amount of money AOM.
  • the general information INF informs the receiver B that he can dispose of the amount determined by the sender A and the amount of money at a certain
  • the message you sent in step 5 might say, "You can spend $ 150 on XY Bank ATMs.”
  • the recipient B in order for the recipient B to actually have the amount of money, he also needs the transaction number TAN. This he receives from the person A, for example, in a step (6) by notification by phone, by email or preferably also by SMS. The recipient B is then able to withdraw at a certain ATM or any ATM the amount envisaged. For this purpose, the receiver B only has to visit the ATM and there in a step (7) enter his mobile number BPN and the transaction number TAN on the local keyboard (PIN pad). Thus, the release and payment of the amount can be effected very quickly and easily. A card reader is also not required.
  • the user or recipient also enters and / or retrieves the mobile number BPN and the transaction number TAN on his mobile telephone and then, for example. a Bluetooth interface to the ATM or the system will be sent. This can e.g. also via an SMS notification to the server
  • the receiver B would only rely on his mobile phone MB carry.
  • An input on a keyboard of the ATM ATM or even the execution of a query menu or the like could be omitted and at the ATM ATM could even be dispensed display and / or keyboard.
  • the proposed approach is particularly suitable for fraud attempts effectively Prevent, in particular fraud attempts by skimming or card fraud or by phishing or online monitoring of characteristics.
  • the recipient B does not have to have an account.
  • this list can also consist of number pairs.
  • the list may have the following pairs of numbers (see also Fig. 1): "2134-1112", “6969-3409” and "2938-1223"
  • the system requests the bank customer A to use, for example, the TAN pair listed under the index or regulatory number "53", ie the TAN pair "6969-3409". Both TANs are for a transaction where the digit combination "6969" of the first person A (for the beginning of the transaction) and the second digit combination "3409" of the second person B (for the
  • the bank customer in this case the first person A, first sends a short message SMS to the server SRV in order to confirm the start of the transaction with the first part of the pair of digits, ie with the digit sequence "6969.”
  • the server SRV in turn confirms then by SMS message, if the transaction number was correct, and then the first part of the transaction number pair, in this example the digit string "3409", can be communicated to the money receiver, ie person B.
  • this person B is requested to enter this number sequence "3409" or to send via SMS or Bluetooth.
  • the transaction can be canceled by the account holder or person A.
  • the person A simply sends another message, eg as an SMS, to the service computer SRV, which contains the corresponding transaction number and a special character assigned to it, eg "# 6969".
  • Server SRV then immediately reverses this transaction, optionally noting either one or just one or both
  • the method described here as well as the service computer and the system are particularly suitable for being able to carry out a fast and secure transaction as well as payment of cash only with the aid of SMS messages. So the people involved only need a cell phone to handle the described
  • a first person (client)
  • SMS mobile communication network for short messages
  • APN first ID / telephone number of the first person (client)

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Engineering & Computer Science (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Telephonic Communication Services (AREA)

Abstract

L'invention porte sur un procédé et un système avec un ordinateur de service (SRV) pour la transaction d'une somme d'argent (AOM) d'un compte d'une première personne (A) sur un distributeur automatique de billets (ATM) pour le paiement en espèces de la somme d'argent (AOM) à la première personne (A) ou à une deuxième personne (B), la transaction étant réalisée au moyen d'un service de transaction qui est administré par l'ordinateur de service (SRV), le cas échéant un code d'accès (MCPIN) étant attribué à la première personne (A), lesquels est transmis par la première personne (A) pour bénéficier du service de transaction à l'ordinateur de service (SRV), et, pour le déblocage du paiement en espèces, une liaison de l'ordinateur de service (SRV) au distributeur automatique de billets (ATM) est réalisée, et également au moins un numéro de télécommunication (APN, BPN) étant transmis par la première personne (A) sur l'ordinateur de service (SRV), numéro qui est utilisé par l'ordinateur de service (SRV) pour l'émission d'une information (CNF, INF) sur un service de télécommunication (SMS) sur au moins l'une des personnes (A, B). En particulier le titulaire du compte et/ou le destinataire peuvent par là être directement informés par exemple par un court message SMS. Le titulaire du compte A lui-même peut engager la transaction et le déblocage du paiement en espèces par l'envoi d'un message SMS sur l'ordinateur de service SRV rapidement, simplement et sûrement. L'ordinateur de service SRV peut par ailleurs, sur la base des numéros de télécommunication qui lui ont été communiqué, authentifier non seulement le titulaire du compte A mais encore le destinataire B.
EP09716167A 2008-02-26 2009-02-25 Procédé et ordinateur de service ainsi que système pour une transaction d'une somme d'argent Withdrawn EP2263216A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
DE102008011192A DE102008011192A1 (de) 2008-02-26 2008-02-26 Verfahren und Diensterechner sowie System zur Transaktion eines Geldbetrages
PCT/EP2009/052197 WO2009106530A1 (fr) 2008-02-26 2009-02-25 Procédé et ordinateur de service ainsi que système pour une transaction d'une somme d'argent

Publications (1)

Publication Number Publication Date
EP2263216A1 true EP2263216A1 (fr) 2010-12-22

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Country Link
US (1) US20110313924A1 (fr)
EP (1) EP2263216A1 (fr)
DE (1) DE102008011192A1 (fr)
WO (1) WO2009106530A1 (fr)

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