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WO2001063571A1 - Procede et systeme pour le deroulement automatique de processus d'achat par virement - Google Patents

Procede et systeme pour le deroulement automatique de processus d'achat par virement Download PDF

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Publication number
WO2001063571A1
WO2001063571A1 PCT/EP2001/001976 EP0101976W WO0163571A1 WO 2001063571 A1 WO2001063571 A1 WO 2001063571A1 EP 0101976 W EP0101976 W EP 0101976W WO 0163571 A1 WO0163571 A1 WO 0163571A1
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WO
WIPO (PCT)
Prior art keywords
customer
signal
electrical
provider
price
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.)
Ceased
Application number
PCT/EP2001/001976
Other languages
German (de)
English (en)
Inventor
Detlev Hoppenrath
Eckhard Kantz
Peter Herold
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.)
WIRE CARD AG
Original Assignee
WIRE CARD AG
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 WIRE CARD AG filed Critical WIRE CARD AG
Priority to AU2001244157A priority Critical patent/AU2001244157A1/en
Publication of WO2001063571A1 publication Critical patent/WO2001063571A1/fr
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

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Classifications

    • 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
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • 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
    • G06Q20/04—Payment circuits

Definitions

  • the invention relates to a method for the automatic handling of cashless purchase transactions and an electrical system for such a handling.
  • a card that functions similarly to an EC card is known from the
  • This describes a system for cashless payment, in which the buyer uses a card which has a semiconductor chip, an LCD display device and an input keyboard.
  • This card can be loaded up to a predetermined maximum amount using ATMs on the bank side and can be used in shops with correspondingly equipped cash register systems, such as an EC card, for cashless payments, whereby the amount to be paid is subtracted from the remaining credit on the card and on the other hand, it is offset electronically with the bank.
  • the holder of the card can view the amount and date of the last debit on the one hand and the respective remaining credit on the card on the display device of the card on the other.
  • this payment system is not suitable for distance purchases where the buyer cannot appear with his card at the seller's location, as is the case, for example, when shopping online via the Internet.
  • Registered customer numbers match. This happens either on the part of the provider or after further transmission of the transmitted numbers via the D channel (signal transmission channel) of another ISDN connection to an authorization point. If, in this comparison, the numbers match those stored by the provider or the authorization center, the amount to be paid is debited from a current account, which the customer must maintain, for example, with an authorization center whose telephone number the customer informs the provider of. After debiting, an authorization code is generated, which enables the customer to download the purchased data via the D channel of the ISDN connection that is still established between him and the provider. If at this point in time the D channel of the ISDN connection established between provider and customer is no longer free or has broken down, a signal to disconnect this ISDN
  • connection established and the connection broken, i.e. at a time when the amount to be paid for the desired data has already been debited from the customer's current account, but the data has not yet been transferred to the customer.
  • This payment system creates security for the provider in that he only provides the service to be paid if he is certain that the order for the requested data has been made by a registered customer and that the required amount has already been paid.
  • this system creates considerable uncertainty for the customer.
  • he not only has to disclose his telephone number via a known, insecure Internet connection, but also his PIN number, which one actually wants to know to be closely guarded.
  • the customer must maintain a current account with the provider or an authorization center, and with current cover at a level that is certainly sufficient to enable several purchases in succession at short intervals and with larger amounts. Furthermore, amounts of money may be debited from the customer's current account, although the transfer of the desired data from the provider to the customer ultimately does not take place.
  • the object of the present invention is therefore to make a method for the automatic electronic processing of cashless purchase processes available in a customer data-protecting and provider-securing manner.
  • a method according to the invention for the automatic processing of cashless purchase processes in a manner protecting customers and protecting suppliers includes the following method steps:
  • Coordinator electronic recording of the provider data of the respective provider, the price signal of the respective product and the customer-specific data of the respective customer in the coordination device; electronic checking of the transmitted customer-specific data for correspondence with the customer-specific data stored for this customer in the coordination device; Generation of an electrical decision signal in the coordinator, which is dependent on the
  • Result of the check signals approval or non-approval of the product selected by the respective customer; and electrical or electromagnetic transmission of the decision signal from the coordinating device to the provider; whereby the transmission of the customer-specific data to the
  • Coordination facility takes place via a customer-specific, secure transmission channel.
  • a first electronic comparison device which is designed to electronic
  • the coordination facility is a facility that is independent of both the customer and the provider.
  • the provider has no access to their database, so that he The purchase process does not receive any data from the respective customer, thus ensuring full anonymity for the customer as well as for cash payment purchases.
  • the coordinating device is in the hands of an independent coordinating service provider who receives a coordinating payment for his coordinating service from the provider and / or customer, for example in each purchase transaction coordinated by him, for example in the form of a certain percentage of the price of the one selected by the customer
  • an individual customer identification code can be set for each purchase process as part of authentication for the respective customer.
  • a password and / or a personal identification number (PIN) can also be agreed as part of the authentication of the individual customer.
  • a cashless purchase process using the method according to the invention proceeds as follows:
  • the provider of this product After selecting a specific product, the provider of this product generates an electrical purchase price signal, with which
  • a customer-specific, secured transmission channel which is, for example, a telephone line or a
  • the customer triggers the delivery of an electrical purchase intent signal to the coordination device, which contains the customer identification code and is supplemented with the provider identification number of the provider of the product.
  • the customer data and the provider can be determined electronically from the database of the coordination device.
  • the retrieval of the provider data from the database triggers a query of the electrical price signal previously generated by the provider via a connection between the coordination device and the provider
  • the price signal is automatically transmitted to the coordination device.
  • the price signal called up by the provider is automatically compared with a purchase price limit assigned to the customer.
  • the electronic comparison device used for this purpose automatically emits an electronic decision signal as a result of the comparison, which signals whether the product is released or not released, depending on whether the price of the selected product is within the purchase price limit or exceeds the purchase price limit.
  • This decision signal is made via the -
  • the data transmission channel established between the provider and the coordination device is transmitted from the coordination device to an electronic decision signal receiver of the provider. Depending on the content of this decision signal, the provider releases the selected product to the customer or not.
  • the system according to the invention comprises an electronic creditworthiness checker, which is in the hands of, for example, a bank or a credit card issuing company. Then you come to one
  • Credit limit for the respective credit customer are stored, customer data records are provided in the first database, which contain the customer identification codes belonging to the individual customers, before the transmission of the decision signal from the coordinating device to the decision signal receiver of the provider, first of all the credit customer identification code called up from the first database respective customers together with transmit the respective price signal via the fourth data transmission channel to the creditworthiness test facility and there, by means of a second electronic comparison facility, are compared with creditworthiness-relevant data called up from the second database, including the current credit limit of the respective customer, a release or non-approval depending on the comparison result of the second comparison facility of the credit signaling electrical credit signal is generated, the credit signal over a fifth electrical or electromagnetic data transmission channel from the
  • Creditworthiness tester is transmitted to the coordination facility and then a decision signal signaling the release of the selected product is only transmitted from the coordination facility to the decision signal receiver of the provider if a creditworthiness signal signaling the credit release has been transmitted to the coordination facility.
  • the previously described sequence of a purchase process is modified in that the decision signal from the coordinating facility is not sent to the provider immediately after the price signal has been called up by the provider and after it has been compared with the customer data stored for the respective customer becomes. Before this happens, the coordinating facility first passes over another
  • Data transfer channel established a connection to the creditworthiness test facility.
  • Customer-specific data are transmitted from the coordination facility to the creditworthiness test facility via this transmission channel transmitted, which enables the creditworthiness test facility to automatically call up the customer and the associated creditworthiness-relevant data electronically and to compare them with the price signal which the creditworthiness test facility has been sent by the coordinating facility in addition to the customer-specific data.
  • An electrical creditworthiness signal is generated by means of the comparison facility of the creditworthiness checking facility, which signals the approval or non-approval of the loan, depending on the comparison result.
  • This creditworthiness signal is automatically transmitted to the coordinator and is fed to a electronic creditworthiness signal processing device. This only allows the decision signal generated by the coordination device to pass to the decision signal receiver of the provider if the creditworthiness signal signals the credit release.
  • FIG. 1 shows a first embodiment of a system according to the invention in a block diagram representation
  • Fig. 2 shows a second embodiment of a system according to the invention in block diagram representation.
  • the 1 shows an electrical system which includes a provider-side area 13, a customer-operated area 15 and an electronic coordination device 17.
  • the provider-side area 13 comprises an electrical price signal transmitter 19 and an electrical decision signal receiver 21.
  • the customer actuatable area 15 comprises an electrical price display device 23 and an electrical input device 25.
  • the coordination device 17 comprises an electronic database 31, an electronic comparison device 33 and an electronic price signal receiving device 35.
  • the coordination device 17 is connected to the input device 25 via a first data transmission channel 37, which in the embodiment shown is formed by two separate data transmission channels 37a and 37b.
  • the coordination device 17 is connected to the provider-side area 13 via a second data transmission channel 39.
  • the data transmission channels 37a, 37b and 39 are, for example, telephone lines, radio lines or mobile radio lines. At least some of the data transmission channels 37a, 37b and 39 can be constructed entirely or partially with light guides. At least some of these data transmission channels can be permanent data connections or data connections that only exist temporarily during the respective purchase process.
  • the individual data transmission channels are connected to the individual system participants via interfaces which can be, for example, modems, ISDN cards from computers or mobile telephones (cell phones).
  • the area 13 provided by the provider has an interface 41 for coupling to the second data transmission channel 39.
  • the customer-actuatable area 15 has an interface 43 for coupling to the data transmission channel 37a and an interface 45 for coupling to the data transmission channel 37b.
  • the coordination device 17 has an interface 47 for coupling to the data transmission channel 39, an interface 49 for coupling to the data transmission channel 37a and an interface 41 for coupling to the data transmission channel 37b.
  • the interface 41 couples the second data transmission channel 39 to the price signal transmitter 19 on the one hand and to the decision signal receiver 21 on the other hand.
  • the interface 43 couples the data transmission to the 3 7 a m i t d e r
  • the interface 45 couples the data transmission channel 37b on the one hand to the input request device 27 and on the other hand to the identification signal input device 29.
  • the interface 47 couples the data transmission channel 39 to the database 31, the
  • Comparison device 33 and the price signal receiving device 35 of the coordinating device couple the database 31 to the data transmission channel 37a and to the data transmission channel 37b.
  • the data transmission channels are 37a, 37b and 39 Shown in dashed lines, which is intended to symbolize that it can only be temporarily established data transmission channels.
  • the area 13 on the supplier side can be part of a real sales outlet, in particular in the form of a sales shop, or a virtual sales outlet, for example an online shop using the Internet.
  • the area 15 which can be operated by the customer can be an input device set up at the location of the provider, for example in the area of the price signal transmitter 19, which can be used by the respective customer.
  • the customer-actuatable area 15 can, however, also be an individual input device owned by the respective customer. In the case of a purchase made on the Internet with a
  • the customer-operated area 15 can be a computer (PC) or an internet-enabled mobile phone (WAP mobile phone).
  • the coordinating device 17 is usually located at a location both from the provider and from the customer and is beyond the influence of both the provider and the customer.
  • Cell phone Cell phone
  • Such mobile telephones have a device-specific memory in which a device identification number IMEI (International Mobile Equipment Identity) is stored, and a SIM card (subscriber) which is removably inserted into the mobile telephone device Identity Module), in which a personal identification number IMSI (Mobile Subscriber Identity) of the owner of the mobile phone is stored. Additional data can be stored in the SIM card.
  • IMEI International Mobile Equipment Identity
  • SIM card subscriber
  • IMSI Mobile Subscriber Identity
  • a customer has selected a product (goods and / or service) either by visiting the real sales business of a provider or by visiting the website of a virtual sales business (online shop). This triggers the generation of an electrical price signal representing the price of the selected product by the price signal generator 19.
  • the price corresponding to the price signal is displayed to the customer either by means of a price display device provided by the provider or via the price display device 23, which is formed by the display thereof when a mobile radio telephone is used. Subsequent operation of the purchase intent signal input device 27 by the customer
  • This purchase intent signal contains the customer's customer-specific data, for example in the form of a customer identification code.
  • the customer is provided with a provider code
  • the purchase intention signal becomes via a mobile radio connection, which forms the data transmission channel 37a, to the interface 49 and from there to the database 31 of the coordination device 17.
  • a mobile radio connection forms the data transmission channel 37a, to the interface 49 and from there to the database 31 of the coordination device 17.
  • the customer identification code of the respective customer access is made to the customer data record stored for this customer in the database 31 and the provider data of the provider of the selected product are also called up on the basis of the provider identification number transmitted to the coordination facility 17.
  • the latter triggers the generation of a price signal query signal, which is transmitted via the interface 47, the data transmission channel 39 and the
  • Interface 41 is transmitted to the price signal generator 19. This reacts automatically with the transmission of the current price signal over the same route back to the interface 47, from where the price signal of the price signal receiving device 35 is fed to the coordinating device 17. A saved for the identified customer
  • the purchase price limit is then automatically compared by means of the comparison device 33 with the price signal that has entered the price signal receiving device 35.
  • the comparison result generated by the comparison device 33 is in the form of an electrical decision signal via the interface 47, the data transmission channel 39 and the
  • Interface 41 sent to the provider decision signal receiver 21. If it has been found during the comparison by means of the comparison device 33 that the price of the selected product lies within the purchase price limit set for the identified customer, the decision signal signals the decision signal receiver
  • the provider uses the decision signal to signal that the coordinating device 17 does not release the product for delivery.
  • the customer does not deliver his personal and in particular credit card-related data directly to the provider, but merely transmits a customer identification code to the coordination device 17 of the "concealed" coordination service provider, the
  • the customer identification code does not contain any security-relevant data of the customer and can only be interpreted by the secretive coordinating service provider, it is not absolutely necessary to protect the data transmission connection between the customer-operated area 15 and the coordinating device 17 particularly against eavesdropping or tapping.
  • the security of the system according to the invention is increased still further if the possibilities created with the input request device 27 and the identification signal input device 29 are used. In this case, the transmission of the intention to buy signal from the customer to the coordinating device 17 does not yet trigger the automatic process that takes place until a decision signal is delivered to the decision signal receiver 21, but rather only calls up the data belonging to the respective customer from the database 31.
  • This call causes the database 31 to transmit an electrical request signal to the input device 27 via the interface 51, the data transmission channel 37b and the interface 45.
  • This request signal prompts the transmission of further customer-specific identification signals, for example in the form of passwords and / or PIN numbers, which the identification signal input device 29 creates and delivers to the database 31 as electrical signals via the data transmission channel 37b.
  • the customer can either enter these identification signals be made or automatically retrieved from a memory of the identification signal input device and transmitted to the database 31 upon receipt of the request signal.
  • the requirement for additional transmission of such identification signals to the database 31 can be used to increase the security of the system, but also to form different access security levels for several purchase price limits defined for a customer in the database 31.
  • purchase transactions up to a low purchase price limit of, for example, DM 100 can be released without the need to enter the additional identification signals, i.e. only by transmitting the purchase intention signal, while a higher purchase price limit can only be released by the additional transmission of identification signals in the form of passwords and / or PIN Numbers will be released.
  • a particularly high level of security can be achieved in that the data transmission channel 37b is set up for the call-up of the further identification signals on the part of the coordinating device 17, that is to say only when a customer transmits the purchase intention signal via the
  • Data transmission channel 37a has been identified by the coordinating device 17.
  • the IMEI stored in the mobile telephone device, the IMSI stored in the SIM card or the telephone number assigned to the customer's cell phone can be used as the customer identification code contained in the purchase intent signal. As an additional identification signal between the customer and the Coordinating device agreed any mark can be used.
  • Password are transmitted unprotected, as it loses its usability after the purchase process and its knowledge cannot be used by third parties.
  • Purchase intent signal transmits an electrical means of payment signal to the coordination device 17 and the generation of a decision signal occurs only when the transmitted means of payment signal matches a means of payment signal stored for the respective customer.
  • the type of means of payment that the customer wishes to use for the respective purchase process is transmitted with the means of payment signal.
  • Credit cards or Euroscheck cards, for example, can be agreed and selected as payment methods.
  • the coordinating device 17 assigns a transaction number to each purchase process, by means of which the purchase intent signal transmitted by the customer to the coordinating device 17, the price signal called up by the provider and that by the
  • Coordinating device 17 decision signals transmitted to the provider can be assigned to a specific purchase process. In this way it is ensured that with approximately simultaneous processing of several purchase processes, in which the same provider and same coordination device are involved, a reliable assignment of the purchase price signal and the decision signal to the associated product is maintained.
  • an electronic transaction time window is assigned to each purchase process, a price signal arriving during this transaction time window and a decision signal generated during this transaction time window being assigned to the purchase process whose purchase intent signal triggered the generation of the transaction time window at the coordination device 17. During the duration of the respective transaction window, further purchases involving the same provider are blocked.
  • the participation of the coordination service provider in the method according to the invention can be limited to the coordination work. However, it can also include financial services, namely the financial handling of the cashless buying processes or a participation in the financial handling of the cashless buying processes.
  • FIG. 2 shows an embodiment of a system according to the invention.
  • the area 13 provided by the provider and the area 15 that can be operated by the customer remain unchanged from the embodiment shown in FIG. 1.
  • the coordination facility
  • FIG. 2 differs from the embodiment shown in FIG. 1 in that the
  • Coordinating device 17 additionally has a creditworthiness signal processing device 53 and a further interface 55 and the system is expanded by a creditworthiness checker 57.
  • This comprises a second database 59, a credit data signal receiver 61 and a second one
  • the creditworthiness checker 57 has an interface 65 which can be coupled to the interface 55 of the coordination device 17 via a further data transmission channel 67.
  • This data transmission channel can either be a permanent connection between the
  • the credit data signal receiver 61 is on the input side with the
  • the comparator 63 also has an output of Database 59 connected. An output of the comparison device 63 is connected to the interface 65.
  • the decision signal supplied by the comparison device 33 is not transmitted directly to the decision signal receiver 21 of the provider-side area 13, but only when a creditworthiness signal 57 has been received via the interface 55 which indicates a credit release for the signals the current purchase process.
  • This credit signaling signaling credit approval is due to the fact that a ß d i e
  • Credit capability signal processing device 53 of the coordination device 17 becomes permeable for the decision signal delivered by the comparison device 33, which can thus be transmitted via the data transmission channel 39 to the decision signal receiver 21 in the area 13 on the provider side.
  • Creditworthiness signal processing device 53 could, for example, be formed by a logic AND logic circuit which only delivers a decision signal to the interface 41 if the decision signal from the comparison device 33 or the creditworthiness signal from the interface 55 has been fed to its two inputs.
  • the customer and the specified means of payment have been determined from the database 31 of the coordinating device 17 on the basis of the receipt of a purchase intent signal and a means of payment signal from a specific customer, the customer is notified
  • Credit data signal receiver 61 of the creditworthiness checking device 57 transmit a credit data signal belonging to this customer, which contains the credit customer identification code called up for the respective credit customer from the database 31 and the price signal for the selected product. Using the credit data signal, the
  • Database 59 of the creditworthiness checker 57 the associated credit customer and the current credit limit assigned to this credit customer.
  • the comparison device 63 the credit limit of this customer is compared with the price signal transmitted by the coordination device 17 and becomes one of the
  • the coordination device 17 is provided with a price signal transmitter and the customer-operated input device 25 has a price signal receiver, a price signal display device and a resolution signal generator which can be operated by the customer and which is in
  • an electrical decision signal signaling a purchase decision or a purchase termination is generated.
  • the coordinating device 17 is designed in such a way that it only sends the decision signal to the decision signal receiver 21 in the provider-side area 13 after receipt of one
  • the price signal receiving device 35 of the coordinating device 17 is designed such that it transmits the price signal transmitted by the price signal transmitter 19 via the interface 51 to the price display device 23 of the customer-actuatable area 15, and the identification signal input device 29 is designed to receive a decision signal triggered by the customer generate and transmit via the interface 45, the data transmission channel 37b and the interface 51 to the coordinating device 17.
  • the coordination device 17 can be designed with a signal processing device corresponding to the creditworthiness signal processing device 53 of the embodiment shown in FIG. 2, to which the decision signal is additionally fed instead of the creditworthiness signal or via a further input.
  • the decision signal generated by the comparison device 33 becomes the interface 47 and thus the Decision signal receiver 21 only passed if the decision signal or if a creditworthiness tester 57 is included in the system, the decision signal and the creditworthiness signal are present.

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
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Abstract

L'invention concerne un procédé de déroulement automatique de processus d'achat par virement d'une façon protégeant les données relatives aux clients et sûre pour les vendeurs, ce procédé comportant les étapes suivantes: mémorisation électronique de données relatives à une pluralité de vendeurs et de données spécifiques de clients relatives à une pluralité de clients, dans un dispositif de coordination (17) électronique se trouvant à l'extérieur de la zone d'influence tant des acheteurs que des clients; production, côté vendeur, d'un signal de prix électrique pour un produit sélectionné côté client, et transmission de ce signal au dispositif de coordination (17); production, côté client, d'un signal d'intention d'achat électrique, contenant les données spécifiques du client correspondant, et transmission électrique ou électromagnétique de ce signal au dispositif de coordination (17); saisie électronique des données relatives au vendeur correspondant, du signal de prix du produit correspondant et des données spécifiques du client correspondant dans le dispositif de coordination (17); contrôle électronique des données spécifiques au client transmises en ce qui concerne leur concordance avec les données spécifiques de client mémorisées pour ce client, dans le dispositif de coordination (17); production d'un signal de décision électrique dans le dispositif de coordination (17), ce signal indiquant, en fonction du résultat du contrôle, la libération ou le refus du produit sélectionné par le client correspondant; et transmission électrique ou électromagnétique du signal de décision par le dispositif de coordination (17), au vendeur. La transmission des données spécifiques au client au dispositif de coordination (17) se fait par l'intermédiaire d'un canal de transmission sécurisé en ce qui concerne la personne de l'acheteur.
PCT/EP2001/001976 2000-02-23 2001-02-21 Procede et systeme pour le deroulement automatique de processus d'achat par virement Ceased WO2001063571A1 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU2001244157A AU2001244157A1 (en) 2000-02-23 2001-02-21 Method and system for the automatic handling of cashless purchases

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
DE10008280.7 2000-02-23
DE2000108280 DE10008280C1 (de) 2000-02-23 2000-02-23 Verfahren und System zur automatischen Abwicklung von bargeldlosen Kaufvorgängen

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WO2001063571A1 true WO2001063571A1 (fr) 2001-08-30

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DE10310527B4 (de) 2003-03-11 2008-11-20 Christian Hogl Verfahren zum Initiieren und/oder Durchführen einer Zahlungstransaktion
DE202011004864U1 (de) * 2011-04-05 2012-07-09 Allianz Deutschland Ag Vorrichtung zur Abwicklung von Finanztransaktionen

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US5878141A (en) * 1995-08-25 1999-03-02 Microsoft Corporation Computerized purchasing system and method for mediating purchase transactions over an interactive network
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WO1999033034A1 (fr) * 1997-12-23 1999-07-01 Global Mobility Systems, Inc. Systeme et procede de commande de transactions financieres par un reseau de telecommunication
FR2780800A1 (fr) * 1998-07-03 2000-01-07 Sagem Procede de paiement electronique

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