DE10000263A1 - Secure payment system for internet, makes use of prepaid cards for payment for products and services available through internet - Google Patents

Secure payment system for internet, makes use of prepaid cards for payment for products and services available through internet

Info

Publication number
DE10000263A1
DE10000263A1 DE2000100263 DE10000263A DE10000263A1 DE 10000263 A1 DE10000263 A1 DE 10000263A1 DE 2000100263 DE2000100263 DE 2000100263 DE 10000263 A DE10000263 A DE 10000263A DE 10000263 A1 DE10000263 A1 DE 10000263A1
Authority
DE
Germany
Prior art keywords
payment
payment card
credit
internet
cards
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
DE2000100263
Other languages
German (de)
Inventor
Victor Goultchenko
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.)
Individual
Original Assignee
Individual
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 Individual filed Critical Individual
Priority to DE2000100263 priority Critical patent/DE10000263A1/en
Publication of DE10000263A1 publication Critical patent/DE10000263A1/en
Ceased legal-status Critical Current

Links

Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/0866—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means by active credit-cards adapted therefor
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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; CALCULATING OR 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
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q20/22—Payment schemes or models
    • G06Q20/28—Pre-payment schemes, e.g. "pay before"
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/342—Cards defining paid or billed services or quantities
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/363—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/02—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/02—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices
    • G07F7/025—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices by means, e.g. cards, providing billing information at the time of purchase, e.g. identification of seller or purchaser, quantity of goods delivered or to be delivered

Abstract

The payment system makes use of prepaid cards for allowing users for payment for various products and services available through internet. An independent claim is also included for payment cards.

Description

Die Telefongesellschaft (weiter - Operator) generiert und erteilt an ihre Kunden am Telefon individuelle mehrstellige Ziffercodes (weiter - Codes). Jeder Code dient als ein einmaliges Instrument für die Autorisierung der Zahlungen im Internet beim Einkaufen von verschiedenen Waren und/oder Dienstleistungen. Der erteilte Code darf von dem Kunden einmalig (bei einem Einkauf im Internet) benutzt werden. Die Informationen über den Einkauf im Internet gehen an den Operator, der eine Rechnung an den Kunden ausstellt und die an die Hausbank des Kunden inklusive seine Kommission weiterleitet. The telephone company (further - operator) generates and issues to its customers on Telephone individual multi-digit digit codes (further - codes). Each code serves as a unique tool for authorizing payments on the Internet at Purchase of various goods and / or services. The code given may used by the customer once (when shopping on the Internet). The Information about shopping online goes to the operator who makes an invoice to the customer and to the customer's house bank including his Commission forwards.  

Operator erteilt dem Kunden einen Code nach einer Prüfung des Anrufenden - es wird seinen PIN-Code während des Anrufs angefordert.Operator gives the customer a code after checking the caller - it will requested his PIN code during the call.

Prozedur der Erteilung und der Benutzung des CodesProcedure for issuing and using the code

  • 1. Der Kunde ruft von seinem Handy (Mobiltelefon) bei der Telefongesellschaft (die einem automatisierenden Telefondienst der Gesellschaft) an1. The customer calls from his cell phone (cell phone) to the telephone company (the an automated company telephone service)
  • 2. Der Telefondienst fordert den PIN-Code des Kunden an2. The telephone service requests the customer's PIN code
  • 3. Wenn der Kunde den richtigen Code dem Operator berichtet, bekommt er einen Ziffercode, der aus einer Mehrheit der möglichen Ziffer-Kombinationen generiert wird3. If the customer reports the correct code to the operator, he gets one Number code that is generated from a majority of the possible number combinations becomes
  • 4. Der erteilte Code gehört jetzt dem Kunden4. The code now belongs to the customer
  • 5. Der erteilte Code darf einmal von dem Kunden für seine Autorisierung beim Einkaufen im Internet benutzt werden.5. The code issued may be used by the customer once for its authorization with the Shopping on the Internet can be used.
  • 6. Die Informationen über den Einkauf im Internet gehen an den Operator6. The information about shopping on the Internet goes to the operator
  • 7. Der Operator identifiziert den Kunden, der im Internet mit dem erteilten Code eingekauft hat7. The operator identifies the customer who is on the Internet with the given code has bought
  • 8. Der Operator stellt eine Rechnung an den Kunden aus und leitet sie an die Hausbank des Kunden inklusive seine Kommission weiter8. The operator issues an invoice to the customer and forwards it to the customer The customer's house bank including his commission

Es wird eine neue Zahlungsmethode zwischen dem Käufer und dem Verkäufer im Internet angeboten.There will be a new payment method between the buyer and the seller on the Internet offered.

Die Grundlage dieser Methode ist die Ausgabe von speziellen Einwegzahlungskarten.The basis of this method is the issue of special one-way payment cards.

Diese Zahlungskarten haben einen verschiedenen Nominal (Guthaben von z. B. DM 50, 100, 200, 500 und 1000) und sind für jede Person bestimmt, die im Internet Ware und/oder Dienstleistungen einkaufen/bezahlen möchte. Diese Zahlungskarten werden beispielsweise bei Bankfilialen für ihren Nominalpreis verkauft.These payment cards have a different nominal (credit of e.g. DM 50, 100, 200, 500 and 1000) and are intended for everyone who commodities and / or on the Internet Want to buy / pay for services. These payment cards are, for example sold at bank branches for their nominal price.

Jede ausgegebene Zahlungskarte hat ihren einmaligen mehrstelligen Zifferncode (oder kombiniert - Ziffern- und Buchstabencode). Dieser Code wird in einem speziellen Processing Center als ein namenloses Kundenkonto (das Kontoguthaben gleicht dem Kartennominal; die Kontonummer ist gleichzeitig der einmalige Kartencode) fixiertEach payment card issued has its unique multi-digit code (or combined - digit and letter code). This code is processed in a special way Center as a nameless customer account (the account balance is the same as the card nominal; the Account number is also the unique card code)

Mit dieser Zahlungskarte bekommt der Kunde die Möglichkeit, im Internet für den Kartennominal einzukaufen.With this payment card, the customer is given the opportunity to use the To buy card nominal.

Der Einkaufsverlauf im Internet wird bedeutend einfacher. Bei der Nutzung einer Zahlungskarte muß der Kunde nur den Kartencode eingeben.The shopping process on the Internet is significantly easier. When using a Payment card, the customer only has to enter the card code.

Der Kartencode der benutzten Zahlungskarte geht über das Online-Shop an das Processing Center. Danach wird der Betrag des Einkaufs vom Kontenguthaben abgebucht und geht an das Online-Anbieter.The card code of the payment card used is sent to the processing via the online shop Center. Then the amount of the purchase is debited from the account balance and goes to the online provider.

Mit einer Zahlungskarte darf es für ihren Nominal mehrmals eingekauft werden.With a payment card it can be bought several times for its nominal.

Dabei kann jede Zahlungskarte in jedem Moment von dem Kunden bei der Bankfiliale (oder da, wo diese Zahlungskarte gekauft wurde) zurückgegeben und, der unbenutzte Betrag auf der Karte zurückerstattet werden. So wird eine absolute Liquidität der Zahlungskarten für die Verbraucher erreicht: der Umtausch des realen Bargeldes in die Zahlungskarten und umgekehrt kann sich ohne irgendwelche Begrenzungen vollziehen.Each payment card can be issued by the customer at the bank branch (or where this payment card was bought) and returned, the unused amount the card will be refunded. This way, an absolute liquidity of the payment cards for the Consumer achieved: the exchange of real cash for payment cards and conversely, can take place without any restrictions.

Der unbenutzte Betrag kann dem Kunden zurückerstattet werden in Form von:
The unused amount can be refunded to the customer in the form of:

  • - Bargeld- Cash
  • - Gutschrift auf das Konto- Credit to the account
  • - Umtausch in eine neue Zahlungskarte (mit einer Nachzahlung).- Exchange for a new payment card (with an additional payment).

Die Gültigkeit der Zahlungskarte ist unbegrenzt. Der Kunde kann seine Zahlungskarte sowohl gleich nach dem Kauf, als auch in einigen Wochen benutzen.The validity of the payment card is unlimited. The customer can use his payment card both use immediately after purchase, as well as in a few weeks.

Die Zahlungskarten können aus verschiedenen Materialien angefertigt werden. Das hängt vom folgenden ab:
The payment cards can be made from different materials. It depends on the following:

  • - Allgemeiner technologischen Gesellschaftsentwicklung- General technological development of society
  • - Gewohnheiten und Neigungen der Verbraucher- Consumer habits and inclinations
  • - Ressourcen und Traditionen des emittierenden Unternehmens- Resources and traditions of the issuing company

Jede Zahlungskarte kann nicht eine, sondern zwei Codes haben (aus Ziffern, Buchstaben oder gemischt). In diesem Fall wird für jede Zahlungskarte im Processing Center auch ein namenloses einmaliges Kundenkonto eröffnet. Es werden folgende Informationen fixiert:
Each payment card cannot have one but two codes (made up of numbers, letters or mixed). In this case, a nameless one-time customer account is also opened for each payment card in the Processing Center. The following information is fixed:

  • - Kontoguthaben (Kartennominal),- account balance (card nominal),
  • - Der erste Code,- The first code,
  • - Der zweite Code.- The second code.

Mit einer Zahlungskarte kann der Karteninhaber nach dem Wunsch mehrere Einkäufe bezahlen, dabei muß das Kartenguthaben nicht überschritten werden.With one payment card, the cardholder can make several purchases as desired pay, the card balance does not have to be exceeded.

Die Nutzungsordnung der ZahlungskarteThe terms of use of the payment card

  • 1. Den ersten Kartencode benutzt der Karteninhaber für die Einkaufsbezahlung (er schickt ihn an den Online-Anbieter). Über den Online-Anbieter kommt der Code im Processing Center an. Der Online-Anbieter informiert das Processing Center über alle Details des Einkaufs:
    • - Einkaufsbetrag,
    • - Der genutzte erste Kartencode,
    • - Eigene Bankverbindung.
    1. The cardholder uses the first card code to pay for the purchase (he sends it to the online provider). The code arrives at the processing center via the online provider. The online provider informs the Processing Center about all details of the purchase:
    • - purchase amount,
    • - The first card code used,
    • - Own bank details.
  • 2. Den zweiten Kartencode schickt der Karteninhaber in den Processing Center. Das ist auch möglich, das der Karteninhaber zusammen mit dem zweiten Kartencode die Informationen über seinen Einkaufsbetrag schickt.2. The cardholder sends the second card code to the Processing Center. This is it is also possible that the cardholder together with the second card code Sends information about his purchase amount.
  • 3. Das Processing Center vergleicht zwei Codes, die unabhängig voneinander geschickt wurden.3. The Processing Center compares two codes that are sent independently were.
  • 4. Der Einkauf wird nur in dem Fall genehmigt, wenn beide Codes von einer Zahlungskarte im Processing Center eingegangen sind. Nach der Prüfung folgt die Überweisung des Einkaufsbetrages vom Konto des Karteninhabers an den Online-Anbieter.4. The purchase is only approved in the event that both codes are from one payment card have been received in the processing center. After the test, the transfer of the Purchase amount from the cardholder's account to the online provider.

Claims (8)

1. Zahlungssystem aufgrund der Ausgabe von Zahlungskarten (Prepaid Cards) mit verschiedenen Guthaben, die an den Nutzern für den Nominalpreis verkauft und für die Zahlungen für die Ware und Dienstleistungen im Internet benutzt werden.1. Payment system based on the issue of payment cards (prepaid cards) various credits sold to users for the nominal price and for the Payments for the goods and services used on the Internet. 2. Verkäufer kauft eine oder mehrere Prepaid Cards auf einer der Verkaufsstellen. Der Preis jeder Zahlungskarte ist die Höhe des Guthabens, die auf der Zahlungskarte drauf steht.2. The seller buys one or more prepaid cards at one of the points of sale. The price Each payment card is the amount of credit that is on the payment card. 3. Auf jeder Zahlungskarte ist folgendes eingezeichnet: die Höhe des Guthabens (steht offen drauf), der einmalige Ziffern-, Buchstaben- oder Ziffern-Buchstabencode (geschützt entweder durch eine undurchsichtige Schutzschicht oder nach eine andere Art und Weise, damit den Code nur von dem Karteninhaber erkannt sein kann). Der Code kann eine beliebige Zahl von Symbolen (Ziffern und/oder Buchstaben) enthalten. Für eine höhere Sicherheit kann auf jeder Zahlungskarte einen oder mehrere Codes eingezeichnet werden.3. The following is drawn on each payment card: the amount of the credit (is open on it), the unique number, letter or number-letter code (protected either through an opaque protective layer or in some other way, so that the code can only be recognized by the cardholder). The code can be a contain any number of symbols (numbers and / or letters). For a higher one Security, one or more codes can be drawn on each payment card. 4. Die Benutzung der Zahlungskarten (Prepaid Cards) erfordert einen Computer (Rechner, Bildschirm und Tastatur) und einen Internet-Zugang.4. The use of payment cards (prepaid cards) requires a computer (computer, Screen and keyboard) and internet access. 5. Die Transaktion (Bezahlung der Waren und/oder Dienstleistungen im Internet) erfolgt folgendermaßen:
  • - Käufer wählt den gewünschten Artikel im Internet-Shop aus.
  • - Käufer wählt die Prepaid Card als sein Zahlungsmittel aus.
  • - Käufer trägt einen (oder mehreren) Codes jeder Zahlungskarte ein (bei Bedarf, wenn das Guthaben der Zahlungskarte für eine Transaktion nicht ausreicht, können mehrere Zahlungskarten verwendet werden).
  • - Der vom Käufer eingetragene Code geht an den Hauptrechner der Ausgabestelle für Zahlungskarten. Da wird die Richtigkeit des Codes (oder mehrerer Codes) und die Höhe des Preises des ausgesuchten Artikels mit dem Guthaben der Zahlungskarte verglichen. Wenn das Guthaben der aktivierten Zahlungskarte für den Einkauf ausreicht, findet die Transaktion statt. Der Betrag für den gekauften Artikel geht an das Internet-Shop, das Guthaben der Zahlungskarte wird auf diesen Betrag verringert.
  • - Wenn der Preis der ausgesuchten Artikels höher als das Guthaben (oder das Restguthaben) einer Zahlungskarte ist, kann der Käufer mehrere Zahlungskarten benutzen. Es müssen dabei die Codes von zwei oder mehreren Zahlungskarten nacheinander eingetragen werde.
5. The transaction (payment for the goods and / or services on the Internet) takes place as follows:
  • - The buyer selects the desired item in the online shop.
  • - The buyer chooses the prepaid card as his means of payment.
  • - The buyer enters one (or more) codes of each payment card (if necessary, if the credit of the payment card is not sufficient for a transaction, several payment cards can be used).
  • - The code entered by the buyer goes to the main computer of the issuing office for payment cards. The correctness of the code (or several codes) and the amount of the price of the selected item are compared with the credit on the payment card. If the credit of the activated payment card is sufficient for the purchase, the transaction takes place. The amount for the purchased item goes to the Internet shop, the credit on the payment card is reduced to this amount.
  • - If the price of the selected item is higher than the credit (or remaining balance) of a payment card, the buyer can use several payment cards. The codes of two or more payment cards must be entered one after the other.
6. Wenn der Käufer das Restguthaben der Zahlungskarte nicht im Internet benutzen möchte, kann er folgendes machen:
  • - Eine neue Zahlungskarte mit einem Zuschlag zu dem Restguthaben kaufen (die Zahlungskarte mit dem Restguthaben wird danach abgegeben und annulliert).
  • - Die Zahlungskarte mit einem Restguthaben wird abgegeben und annulliert. Der Restbetrag auf der Zahlungskarte wird dabei dem Käufer zurückerstattet.
6. If the buyer does not want to use the remaining credit card on the internet, he can do the following:
  • - Buy a new payment card with a surcharge on the remaining credit (the payment card with the remaining credit will then be returned and canceled).
  • - The payment card with a remaining credit will be handed in and canceled. The remaining amount on the payment card will be refunded to the buyer.
7. Das Zahlungssystem kann von jedem Internet-Shop akzeptiert werden.7. The payment system can be accepted by any internet shop. 8. Die Zahlungskarten können aus jeglichen Materialien angefertigt werden, alle Angaben auf die Oberfläche der Zahlungskarten können durch verschiedene Verfahren aufgetragen werden.8. The payment cards can be made from any material, all information on the surface of the payment cards can be applied by various methods become.
DE2000100263 2000-01-05 2000-01-05 Secure payment system for internet, makes use of prepaid cards for payment for products and services available through internet Ceased DE10000263A1 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
DE2000100263 DE10000263A1 (en) 2000-01-05 2000-01-05 Secure payment system for internet, makes use of prepaid cards for payment for products and services available through internet

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
DE2000100263 DE10000263A1 (en) 2000-01-05 2000-01-05 Secure payment system for internet, makes use of prepaid cards for payment for products and services available through internet

Publications (1)

Publication Number Publication Date
DE10000263A1 true DE10000263A1 (en) 2001-07-19

Family

ID=7626818

Family Applications (1)

Application Number Title Priority Date Filing Date
DE2000100263 Ceased DE10000263A1 (en) 2000-01-05 2000-01-05 Secure payment system for internet, makes use of prepaid cards for payment for products and services available through internet

Country Status (1)

Country Link
DE (1) DE10000263A1 (en)

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1997003410A1 (en) * 1995-07-07 1997-01-30 Andrew Egendorf Internet billing method
DE19718103A1 (en) * 1997-04-29 1998-06-04 Kim Schmitz Data transmission system authorise method e.g. for telebanking
US5903878A (en) * 1997-08-20 1999-05-11 Talati; Kirit K. Method and apparatus for electronic commerce
EP0921487A2 (en) * 1997-12-08 1999-06-09 Nippon Telegraph and Telephone Corporation Method and system for billing on the internet
EP0926611A2 (en) * 1997-12-23 1999-06-30 AT&T Corp. Method for validation of electronic transactions

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1997003410A1 (en) * 1995-07-07 1997-01-30 Andrew Egendorf Internet billing method
DE19718103A1 (en) * 1997-04-29 1998-06-04 Kim Schmitz Data transmission system authorise method e.g. for telebanking
US5903878A (en) * 1997-08-20 1999-05-11 Talati; Kirit K. Method and apparatus for electronic commerce
EP0921487A2 (en) * 1997-12-08 1999-06-09 Nippon Telegraph and Telephone Corporation Method and system for billing on the internet
EP0926611A2 (en) * 1997-12-23 1999-06-30 AT&T Corp. Method for validation of electronic transactions

Non-Patent Citations (1)

* Cited by examiner, † Cited by third party
Title
WASMEIER, Michael: Web-Währungen. In: cCt. 1998, Heft 11, S. 152-157 *

Similar Documents

Publication Publication Date Title
US7828206B2 (en) System and method for exchanging loyalty points for acquisitions
US7134594B2 (en) Pre-paid purchasing card and method
US7319977B2 (en) Discount-instrument methods and systems
DE69821992T2 (en) SYSTEM AND METHOD FOR CONTROLLING FINANCIAL TRANSFERS THROUGH A WIRELESS NETWORK
US6467684B2 (en) Pre-paid card system for purchasing products or services
DE10039569C1 (en) Mobile telephone payment method for goods or services has central transaction number delivery point used to make payment after verification of charge data via customer
US20070179865A1 (en) Method for anonymous purchase of goods by providing a pluarlity of non-activated account numbers
US20010001856A1 (en) Prepaid cash equivalent card and system
US7445150B2 (en) Pre-paid credit card
EP0986275A1 (en) Method for purchasing goods or services with a mobile telephone
MXPA06013016A (en) Temporary value card method and system .
CN107636717A (en) The financing of the automation guarantee of online deposit, guaranty, bond and/or gage is provided
US20150095204A1 (en) Processes and Systems for Recovering Refundable Taxes
DE10023251A1 (en) Payment card and method of payment using a payment card
KR100845572B1 (en) Private limit adjustmenting method
KR102160676B1 (en) Card sales win-win managing and calculating system for small business owners
WO2001065510A1 (en) Internet-enabled, cashless payment transactions
DE10000263A1 (en) Secure payment system for internet, makes use of prepaid cards for payment for products and services available through internet
DE10336070A1 (en) Safety process transaction method e.g. for paying process over data network, involves entering payment amounts about buyer for equipment attached to data network with payment amount conveyed to server computer by salesman
AU774122B2 (en) E commerce system
DE102007020370A1 (en) Online premium-bonus program-network access control system method, involves buying goods, where customer data is acquired by point-of-sale system and dealings are connected to online bonus program-network-access-premium converter
Singh A Study of Credit Card Uses in Online Business
Ghargan The legal Nature of the Relationship between the holder of e-payment Card and the Merchant
KR100364547B1 (en) International Payment System for Electronic Commerce
KR20010097441A (en) Electronic commerce system of tax free shop on the internet

Legal Events

Date Code Title Description
ON Later submitted papers
OP8 Request for examination as to paragraph 44 patent law
8131 Rejection