WO2002013147A2 - Method for checking credit card payment processes - Google Patents

Method for checking credit card payment processes Download PDF

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Publication number
WO2002013147A2
WO2002013147A2 PCT/EP2001/007698 EP0107698W WO0213147A2 WO 2002013147 A2 WO2002013147 A2 WO 2002013147A2 EP 0107698 W EP0107698 W EP 0107698W WO 0213147 A2 WO0213147 A2 WO 0213147A2
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WO
WIPO (PCT)
Prior art keywords
credit card
payment transactions
data
sms
credit
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PCT/EP2001/007698
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German (de)
French (fr)
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WO2002013147A3 (en
Inventor
Michael Rinschen
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Deutsche Telekom Ag
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Publication of WO2002013147A2 publication Critical patent/WO2002013147A2/en
Publication of WO2002013147A3 publication Critical patent/WO2002013147A3/en

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    • 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
    • G06Q20/04—Payment circuits
    • 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
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/326—Payment applications installed on the mobile devices
    • 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
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • 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
    • G06Q20/32—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; 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
    • G06Q20/425—Confirmation, e.g. check or permission by the legal debtor of payment using two different networks, one for transaction and one for security confirmation

Definitions

  • the invention relates to a method by which damage to credit cards can be restricted by unauthorized use.
  • the damage caused by loss and unauthorized use of a credit card can also be limited by the fact that an account blocking card also exists for the credit card, which the owner applies immediately after the loss is found and blocks the credit card account (see DE 3612507).
  • the object of the invention is to offer a security system with which a limitation of the damage caused by unauthorized use of a credit card is significantly increased compared to the known solutions.
  • the object is achieved in that the credit card holder is shown all payment transactions that take place with his credit card, virtually at the same time as the booking with the card institute, on his mobile radio telephone or another suitable telecommunication device.
  • the short message service "Short Message Service” (SMS) which is available for mobile communications, is used to transmit the information to the credit card holder.
  • SMS Short Message Service
  • a transfer center in the mobile network receives the data on the payment transactions from the credit card institute and uses it to form the SMS transmissions to the mobile subscriber
  • the data relating to the payment process relate to the details of the amount, date, time, place of payment and merchant
  • Network operators such as DeutscheInstitut AG's Dl network, can be assigned to each dealer location of a cell in the network, so that a cell ID is available to the dealer as a parameter.
  • the technical solution comprises the following process steps (see Fig. 1):
  • the customer data from the data record (Z) are compared with the stored encrypted customer data (data record K) and the SMS destination address is determined if they match.
  • the data record (S) is generated from the payment data and sent to the SMS destination address Posted.
  • the data record (S) - supplemented by the dealer cells ID - is also transmitted to the call center for complaints at the card institute.
  • the credit card companies work together with a mobile operator, e.g. B. DeutscheInstitut AG, in this case with the subsidiary DeTeMobil, to send "on the fly" payment transactions via SMS to the cell phone receiver.
  • a mobile operator e.g. B.
  • DeTeMobil the subsidiary DeTeMobil
  • a message is sent to the subscriber's cell phone in the form of an SMS message almost simultaneously with the verification of the computer systems.
  • the message includes, for example, that a payment transaction was carried out on March 15th in Bonn at Christ and the account was debited with 550, - DM. If the recipient has made this payment, he has control over the payment made. If he has not made this payment, he will be informed that his credit card has been used without authorization and can contact his credit card institute immediately (number is programmed under speed dialing) or contact T-Mobil (2555 ) immediately connect.
  • the call center can also regenerate a parameter cell ID and compare it with the cell ID of the dealer, so that additional information about the complainant's stay in relation to the dealer is available. For example, if the customer calls from the same or a neighboring cell, something seems to be wrong.
  • the method can also be used analogously in the fixed network.
  • a notification via e-mail or "Unified Messaging Service" is also conceivable. If the credit card holder cannot be reached, the data on the payment transactions are stored with his credit card in the box that has been set up and can be called up there. The mobile box for the mobile device stores the data , even if the mobile phone is switched off.

Abstract

Damage caused by unauthorised use of credit cards can be limited all the more effectively the sooner the credit card holder reports an unauthorised use to the card company. Known methods for checking the protection of the credit card or the identity of the user have not been effectively implemented in practice. Account-freezing cards and a reported account freeze are dependent on the time the unauthorised use is recorded. The invention relates to a method whereby credit card payment processes can be controlled by the credit card holder almost at the same time as the operation is carried out. The method uses the 'Short-Message-Service' (SMS), as known in mobile radio telephony, in such a way that the payment processes are displayed to the credit card holder on the display screen of his/her mobile radio telephone device without delay. A transfer centre in the mobile radio telephone service network co-operates with the card companies and sends the payment process data in the form of an SMS message to the mobile radio telephone device of the credit card holder. Said method can be used in an analogous manner in the fixed network as long as an SMS-type service is available.

Description

Verfahren zur Überprüfung von Zahlungsvorgängen mit KreditkartenProcedure for checking payment transactions with credit cards
Technische Beschreibungtechnical description
Die Erfindung betrifft ein Verfahren, mit dem Schadensfälle bei Kreditkarten durch eine unbefugte Benutzung eingeschränkt werden können.The invention relates to a method by which damage to credit cards can be restricted by unauthorized use.
Kreditkartenunternehmen haben weltweit jährlich Millionenschäden durch die unbefugte Nutzung von Kreditkarten. Allein Eurocard/Mastercard hat über eine dreistellige Millionenhöhe an Zahlungsausfallen pro Jahr durch den Missbrauch von Kreditkarten. Der Grund liegt darin, dass nach unseren Recherchen die Zeit zwischen Missbrauch und Auffälligkeit beim Geschädigten sehr groß ist und damit dem Täter, der diese Karte missbräuchlich benutzt, ein gewisser Zeitraum zur Verfügung steht, um Geschäfte über diese Kreditkarte zu tätigen bzw. den Magnetstreifen widerrechtlich zu kopieren..Credit card companies suffer millions of dollars in damage every year due to the unauthorized use of credit cards. Eurocard / Mastercard alone has over a three-digit million amount of payment defaults per year due to the misuse of credit cards. The reason for this is that, according to our research, the time between abuse and abnormality on the part of the injured party is very large, so that the perpetrator who misuses this card has a certain amount of time to do business with this credit card or to illegally use the magnetic stripe to copy..
Stand der TechnikState of the art
Heute werden Kreditkartenzahlungen als auch Bankkartenzahlungen (ec-Karten) durch Zahlungsterminals "on the fly" mit Großrechnersystemen verbunden und dort abgeglichen, so dass Veränderungen auf dem Kreditkartenkonto kurzzeitig nach dem Zahlungsprozess nachweisbar sind.Today, credit card payments as well as bank card payments (ec cards) are connected to mainframe systems "on the fly" by payment terminals and compared there, so that changes in the credit card account can be detected shortly after the payment process.
Zur Vermeidung des Missbrauchs von Kreditkarten sind derzeit verschiedene Verfahren und Systeme bekannt. Zum Beispiel eine Aufbewahrungseinrichtung für die Kreditkarte mit Warnsignalsystem, das sich akustisch bemerkbar macht, wenn die Kreditkarte nach einer bestimmten Zeit nicht in das Aufbewahrungsbehältnis zurückkehrt (siehe DEVarious methods and systems are currently known for avoiding the misuse of credit cards. For example, a storage device for the credit card with a warning signal system that makes itself audible if the credit card does not return to the storage container after a certain time (see DE
4237924), hilft dem Eigentümer den Verlust seiner schon nach kurzer Zeit festzustellen. Bekannt sind auch Verfahren, bei denen der Prozess der Geldbewegung erst nach Identifizierung der Benutzerperson ausgelöst wird, sei es durch personenbezogene Sprachfrequenzdaten, die ein Prüfrechner mit der gespeicherten Spracherkennung für den Kreditkarteneigentümer vergleicht (siehe DE 4231937) oder durch Fingerabdruck, mit dem die Kreditkarte ausgestattet wird und ein mit Fingerabdruckkeser ausgestattetes Kreditkartenlesegerät einen Vergleich mit dem gespeicherten Fingerabdruck für den Inhaber der Kreditkarte auslöst (siehe DE 4447435).4237924), helps the owner to determine the loss of his after a short time. Methods are also known in which the process of money movement is only triggered after the user has been identified, be it by personal ones Speech frequency data which a test computer compares with the stored speech recognition for the credit card owner (see DE 4231937) or by fingerprint with which the credit card is equipped and a credit card reader equipped with a fingerprint reader triggers a comparison with the stored fingerprint for the credit card holder (see DE 4447435 ).
Der Schaden durch Verlust und unbefugte Benutzung einer Kreditkarte kann auch dadurch eingeschränkt werden, dass für die Kreditkarte auch eine Konten-Sperrkarte existiert, die der Eigentümer sofort nach Feststellen des Verlustes zur Anwendung bringt und das Kreditkartenkonto sperrt (siehe DE 3612507).The damage caused by loss and unauthorized use of a credit card can also be limited by the fact that an account blocking card also exists for the credit card, which the owner applies immediately after the loss is found and blocks the credit card account (see DE 3612507).
Aufgabenstellung und technische LösungTask and technical solution
Die Erfindung stellt sich die Aufgabe, ein Sicherheitssystem anzubieten, mit dem eine Begrenzung des Schadens durch unbefugte Benutzung einer Kreditkarte gegenüber den bekannten Lösungen wesentlich erhöht wird.The object of the invention is to offer a security system with which a limitation of the damage caused by unauthorized use of a credit card is significantly increased compared to the known solutions.
Die Aufgabe wird dadurch gelöst, dass dem Kreditkarteninhaber alle Zahlungsvorgänge, die mit seiner Kreditkarte erfolgen, so quasi zeitgleich mit der Buchung beim Karteninstitut auf seinem Mobilfunktelefon oder einer anderen geeigneten Telekommunikationsein- richtung angezeigt werden. Für die Übertragung der Information zum Kreditkarteninhaber wird der für den Mobilfünk zur Verfügung stehende Kurzmitteilungsdienst „Short- Message-Service" (SMS) angewendet. Ein Transfercenter im Mobilfunknetz erhält die Daten zu den Zahlungsvorgängen vom Kreditkarteninstitut und formiert daraus die SMS- Sendungen an den Mobilfunkteilnehmer. Die Daten zum Zahlungsvorgang betreffen die Angaben zu Betrag, Datum, Uhrzeit, Ort der Zahlung und Händler. Bei bestimmtenThe object is achieved in that the credit card holder is shown all payment transactions that take place with his credit card, virtually at the same time as the booking with the card institute, on his mobile radio telephone or another suitable telecommunication device. The short message service "Short Message Service" (SMS), which is available for mobile communications, is used to transmit the information to the credit card holder. A transfer center in the mobile network receives the data on the payment transactions from the credit card institute and uses it to form the SMS transmissions to the mobile subscriber The data relating to the payment process relate to the details of the amount, date, time, place of payment and merchant
Netzbetreibern, z.B. Dl-Netz der Deutschen Telekom AG, kann jede Händler-lokalisation einer Zelle im Netz zugeordnet werden, so dass als Parameter eine Zellen ID für den Händler zur Verfügung steht. Die technische Lösung umfasst folgende Verfahrensschritte (siehe Fig. 1):Network operators, such as Deutsche Telekom AG's Dl network, can be assigned to each dealer location of a cell in the network, so that a cell ID is available to the dealer as a parameter. The technical solution comprises the following process steps (see Fig. 1):
- Bei Auslösung eines Zahlungsvorganges mit Kreditkarte werden die Zahlungsdaten zum Karteninstitut übertragen (Stand der Technik). - Beim Karteninstitut wird ein verschlüsselter Datensatz (Z) zu den Kunden- und Zahlungsdaten generiert und zum SMS-Transfercenter übertragen.- When a payment transaction with a credit card is triggered, the payment data is transferred to the card institute (state of the art). - An encrypted data record (Z) for the customer and payment data is generated at the card institute and transmitted to the SMS transfer center.
- In einer Vergleichseinheit werden die Kundendaten aus dem Datensatz (Z) mit den gespeicherten verschlüsselten Kundendaten (Datensatz K) verglichen und bei Übereinstimmung die SMS-Zieladresse bestimmt.. - Aus den Zahlungsdaten wird der Datensatz (S) generiert und an die SMS-Zieladresse gesendet. Auch wird der Datensatz (S) - ergänzt durch die Händlerzellen ID - zum Callcenter für Reklamationen beim Karteninstitut übertragen.- In a comparison unit, the customer data from the data record (Z) are compared with the stored encrypted customer data (data record K) and the SMS destination address is determined if they match. - The data record (S) is generated from the payment data and sent to the SMS destination address Posted. The data record (S) - supplemented by the dealer cells ID - is also transmitted to the call center for complaints at the card institute.
- Im Display seines Mobilfunktelefones werden dem Kreditkarteninhaber die Daten zu den Zahlungsvorgängen mit seiner Kreditkarte angezeigt. - Der Kunde erkennt den Zahlungsvorgang als richtig und löscht den Datensatz.- The data on the payment transactions with his credit card are shown to the credit card holder on the display of his mobile phone. - The customer recognizes the payment process as correct and deletes the data record.
- Der Kunde erkennt eine unbefugte Benutzung seiner Kreditkarte und reklamiert beim Callcenter des Karteninstituts.- The customer recognizes the unauthorized use of his credit card and complains to the call center of the card institute.
- Callcenter registriert Rufhummer des Reklamierenden und prüft seine lokale Position in Bezug zum Händler, bei dem der reklamierte Zahlungsvorgang ausgelöst wurde. Bestätigt sich eine unbefugte Benutzung der Kreditkarte, werden sofort Maßnahmen- Call center registers the complainant's phone number and checks its local position in relation to the retailer at whom the claimed payment process was triggered. If an unauthorized use of the credit card is confirmed, measures are taken immediately
Schutz vor weiterem Missbrauch eingeleitet.Protection against further abuse initiated.
Ausführungsbeispielembodiment
Die Kreditkartenunternehmen arbeiten zusammen mit einem Mobilfunkbetreiber, z. B. der Deutschen Telekom AG, in diesem Falle mit der Tochter DeTeMobil, um "on the fly" Zahlungsvorgänge per SMS an den Handyempfänger auszusenden. Das heißt, die Deutsche Telekom AG / T-Mobil richtet ein Transfercenter ein, wo Kreditkarteninformationen auf SMS-Sendungen für Dl -Teilnehmer umgesetzt werden.The credit card companies work together with a mobile operator, e.g. B. Deutsche Telekom AG, in this case with the subsidiary DeTeMobil, to send "on the fly" payment transactions via SMS to the cell phone receiver. This means that Deutsche Telekom AG / T-Mobil is setting up a transfer center where credit card information is available SMS programs for Dl participants can be implemented.
Im Falle eines Zahlungsvorganges erfolgt fast zeitgleich mit dem Verifizieren der Computersysteme eine Nachricht auf das Handy des Teilnehmers in Form einer SMS- Information. Die Nachricht beinhaltet zum Beispiel, dass ein Zahlungsvorgang am 15.03.00 in Bonn bei der Fa. Christ durchgeführt worden ist, und das Konto mit 550,- DM belastet wurde. Hat der Empfänger diese Zahlung getätigt, so hat er eine Kontrolle über die erfolgte Zahlung. Hat er diese Zahlung nicht getätigt, wird er informiert, dass eine unbefugte Benutzung seiner Kreditkarte erfolgt ist und kann sich sofort mit seinem Kreditkarten- institut (Nummer ist unter Kurzwahl einprogrammiert) in Verbindung setzen bzw. sich über die Auskunft der T-Mobil (2555) sofort verbinden lassen.In the case of a payment transaction, a message is sent to the subscriber's cell phone in the form of an SMS message almost simultaneously with the verification of the computer systems. The message includes, for example, that a payment transaction was carried out on March 15th in Bonn at Christ and the account was debited with 550, - DM. If the recipient has made this payment, he has control over the payment made. If he has not made this payment, he will be informed that his credit card has been used without authorization and can contact his credit card institute immediately (number is programmed under speed dialing) or contact T-Mobil (2555 ) immediately connect.
Das Callcenter kann außer der Rufnummer gleichzeitig auch einen Parameter Zellen ID regenerieren und diesen mit der Zellen ID des Händlers vergleichen, so dass eine Zusatzinformation zum Aufenthalt des Reklamierenden in Bezug zum Händler zur Verfügung steht. Ruft der Kunde beispielsweise aus der gleichen oder einer benachbarten Zelle an, dann scheint etwas nicht zu stimmen.In addition to the call number, the call center can also regenerate a parameter cell ID and compare it with the cell ID of the dealer, so that additional information about the complainant's stay in relation to the dealer is available. For example, if the customer calls from the same or a neighboring cell, something seems to be wrong.
Soweit ein dem SMS-Dienst ähnlicher Dienst für das Festnetz zur Verfügung steht, kann das Verfahren analog auch im Festnetz angewendet werden. Eine Benachrichtigung über e-Mail oder „Unified Messaging Service" ist ebenfalls denkbar. Ist der Kreditkarteninhaber nicht erreichbar, werden die Daten zu den Zahlungsvorgängen mit seiner Kreditkarte in der eingerichteten Box abgelegt und können dort abgerufen werden. Die Mobilbox für das Mobilfunkgerät speichert die Daten, auch wenn das Mobiltelefon ausgeschaltet ist. If a service similar to the SMS service is available for the fixed network, the method can also be used analogously in the fixed network. A notification via e-mail or "Unified Messaging Service" is also conceivable. If the credit card holder cannot be reached, the data on the payment transactions are stored with his credit card in the box that has been set up and can be called up there. The mobile box for the mobile device stores the data , even if the mobile phone is switched off.

Claims

Verfahren zur Überprüfung von Zahlungsvorgängen mit KreditkartenPatentansprüche ( 4 ) Procedure for checking payment transactions with credit cardsPatent claims (4)
1. Verfahren zur Überprüfung von Zahlungsvorgängen mit Kreditkarten, d a d u r c h g e k e n n z e i c h n e t, dass die Zahlungsvorgänge zeitgleich mit der Buchung beim Karteninstitut dem1. Procedure for checking payment transactions with credit cards, so that payment transactions are carried out simultaneously with the booking at the card institute
Kreditkarteninhaber auf dem Display seines Mobilfunkgerätes oder einer anderenCredit card holder on the display of his mobile device or another
Telekommunikationseinrichtung angezeigt werden, dass dafür die beim Karteninstitut verfügbaren Daten zu den Zahlungsvorgängen in einem Transfercenter in eine SMS-Nachricht (Short-Message-Service) umgesetzt und zum Mobilfunkgerät oder einer anderen Telekommunikationseinrichtung desTelecommunications device are displayed that the data available at the card institute on the payment transactions in a transfer center is converted into an SMS message (short message service) and to the mobile device or another telecommunications device of the
Kreditkarteninhabers gesendet werden, und dass die im Display des Mobilfunkgerätes oder einer anderen Telekommunikationsein- richtung angezeigten Daten zu den Zahlungsvorgängen durch den Kreditkarteninhaber geprüft werden, so dass bei unbefugter Benutzung der Kreditkarte bereits nach kurzerCredit card holder are sent, and that the data shown on the display of the mobile device or another telecommunication device regarding the payment transactions are checked by the credit card holder, so that after unauthorized use of the credit card after a short time
Zeit Maßnahmen zur Begrenzung des Schadens eingeleitet werden können.Time measures to limit the damage can be initiated.
2. Verfahren nach Anspruch 1, dadurch gekennzeichnet, dass die Daten zu den Zahlungs- Vorgängen mindestens die Angaben Betrag, Datum, Uhrzeit, Ort der Zahlung und2. The method according to claim 1, characterized in that the data on the payment transactions at least the amount, date, time, place of payment and
Händler ID umfassen.Include Dealer ID.
3. Verfahren nach Anspruch 1 und 2, dadurch gekennzeichnet, dass die Daten zu den Zahlungsvorgängen zusammen mit den Kundendaten in einem verschlüsselten Datensatz vom Karteninstitut zum Transfercenter übertragen werden (111), dass die Kundendaten im Transfercenter mit einem gespeicherten verschlüsselten Kundendatensatz verglichen werden und bei Übereinstimmung die SMS-Zieladresse bestimmt wird (114), dass die Daten zu den Zahlungsvorgängen als SMS-Nachricht zum Kunden gesendet werden (116), dass die Daten zu den Zahlungsvorgängen gleichzeitig auch zum Callcenter für Reklamationen übertragen werden und dafür durch eine Händlerzellen ID ergänzt werden, und dass bei Reklamationen Rufhummer und Zellen ID des Reklamierenden im Callcenter registriert (120) und zur Prüfung der Identität von Reklamierenden und Kreditkarteninhaber verwendet werden.3. The method according to claim 1 and 2, characterized in that the data on the payment transactions together with the customer data are transmitted in an encrypted data record from the card institute to the transfer center (111), that the customer data in the transfer center are compared with a stored encrypted customer data record and at According to the SMS destination address is determined (114) that the data on the payment transactions as an SMS message to Customers are sent (116) that the data relating to the payment transactions are also transferred to the call center for complaints at the same time and are supplemented by a merchant cell ID, and that the complainant's phone number and cell ID are registered in the call center (120) and for checking the Identity used by complainants and credit card holders.
4. Verfahren nach Anspruch 1 bis 3, dadurch gekennzeichnet, dass das Verfahren analog auch im Festnetz angewendet werden kann, soweit ein dem SMS ähnlicher Dienst wie z.B. Unified Messaging Service für das Festnetz zur Verfügung steht. 4. The method according to claim 1 to 3, characterized in that the method can also be used analogously in the fixed network, insofar as a service similar to the SMS such as e.g. Unified messaging service is available for the fixed network.
PCT/EP2001/007698 2000-08-09 2001-07-05 Method for checking credit card payment processes WO2002013147A2 (en)

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DE10039572A DE10039572A1 (en) 2000-08-09 2000-08-09 Procedure for checking payment transactions with credit cards
DE10039572.4 2000-08-09

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