DE102007032676A1 - Real-time payment method of network-transcending mobile system, involves connecting financial service system of mobile radio network or internet protocol data network directly with each other for cash clearing - Google Patents

Abstract

The real-time payment method involves connecting the financial service system of the mobile radio network or Internet protocol (IP)data network directly with each other for cash clearing. The cashless finance transfer takes place with account clarification between the accounts with a physical or logical data connection by respective interface devices (IU) or uses a specific mobile radio cash clearing centre (mCCC) for the finance transaction between the networks in an alternative process. The protocol elements are received, processed, interfered and transferred to the mobile radio or IP-data networks shared in the finance transaction.

Description

State of the art, problems u. disadvantage

Within The telecommunications industry has owned mobile networks for years the biggest growth rate. In connection with the large spread of mobile devices (Mobile Station MS) are increasingly moving financial transactions using the MS in the public interest.

in the Related to financial transactions involving mobile networks are different methods in testing or in use. A mass service with general acceptance is not yet known.

With reference 1 (patent application: "Coupling of banking and telecommunications networks, inventor Walter Keller ) a method is known in which the customer / subscriber accounts such as "normal" bank accounts for different financial transactions can be used and the mobile operator is connected as a full-fledged bank to the cash clearing system of the banks, such as the TARGET RTGSplus system of Deutsche Bundesbank, whereby any directed transactions can be realized.Fix 1 also contains a description of the common mobile transaction services.

In ref. 2 (patent application: "Mobile real-time payment method, inventor Walter Keller ) describes a mobile payment method, which can act as a substitute or supplement to the previously known card methods electronic cash, debit card, credit cards and direct debit and can help pay much more acceptance using a mobile device. In this case, both buyers and sellers are preferably connected to the same mobile network, with optionally a connection for quick exchange of merchant and purchase data between mobile phone and point of sale (POS) exists. The high level of security against misuse results, among other things, from the fact that merchant and customer are both authenticated on the network side and both merchant and customer accounts are verified on the network side and displayed during the payment process. Other security elements are real-time payment, which precludes dealer or bank risk, and separate reporting of the account credit to the merchant on a separate connection path rather than, as with other methods, the possibly manipulated radio interface between the customer's mobile phone and the POS terminal.

For the broad acceptance in the market and the universal applicability however, it makes sense to use the procedure described in reference 2. that such a method is applicable even if dealers and customer on different mobile networks, or generally different Networks are connected, or the dealer, for example connected to a bank or similar credit institution can be while the customer is contracting as a cell phone owner a mobile network provider.

One For example, customers should also use mobile payment methods can when he is on a journey and in a other mobile network is registered (mobile roaming), d. H. the international use of such a procedure must be possible become.

Under Considering Ref. 1, a method is known in which mobile radio networks for the purpose of universal financial services via cash Clearing system of banks to be networked. This procedure is in principle according to real-time payment method. Ref 2 also applicable but has significant limitations.

So is noted in Ref. 3, Annex XI, that the real-time settlement The German Bundesbank is processed on a transaction-by-transaction basis and instantly settle every payment that will happen however "within minutes, sometimes seconds" final settled.

The is great for a banking application, for a human chain at the till that points to a real-time payment system is instructed and waiting, this time is in the minute range but insufficient.

moreover Unfortunately, this time is only valid for payment transactions with high temporal priority (Ref 3, chapter 2.1.), which according to reference 4 also with considerable transaction fees is charged.

The usual direct debit and transfer traffic, however, takes place as electronic bulk payment (EMR) usually within 24 hours and is processed "overnight" On Sundays and public holidays, it is also not possible and will be rejected on bank wire transfer machines on the grounds that it is "no bank day." Such a policy is not applicable to an intended real-time application.

A additional limitation is that The TARGET system connects only 16 countries and traffic at certain times of the day (TARGET opening times) and calendar times (not on TARGET holidays) and is subject to frequent disruptions due to the heterogeneous structure, which are even treated separately in the terms and conditions of the German bank. The international SWIFT network is again not for the Real-time booking suitable.

For a usable real-time payment method at the POS including Several telecommunication networks therefore need an alternative solution be created to couple the systems.

Single Euro Payments Area - SEPA

Of the Payment transactions in Germany has so far been largely due to national requirements. 99% of the payment volume in Germany is national payments and only 1% are cross-border transactions. Therefore, it is understandable that there is a European systemic payment system Senses not yet exist. Only in beginnings are European Standards and a European payment infrastructure available. With the introduction of the euro as currency and in particular with the introduction of the euro, in the form of Banknotes and coins have the requirements considerably changed. European integration also demands that Creation of the European payments area, the "Single Euro Payments Area, SEPA ", in cross-border Payments in the common currency, the euro, as well easy, convenient, fast and secure like comparable national payments. To reach this goal, has the European financial industry under the lead European banking associations founded in June 2002 the European Payments Council (EPC). After initial constituent phase and conversion into a company under Belgian law, as well as the integration of the ten EU accession countries, the EPC has in June 2004 constituted at its second session and with the submission the "SEPA Roadmap 2004-2010" the objectives and milestones set for the coming years. In essence, it works therefore, now European payment instruments to create the use in domestic and European foreign countries enable. A payment within Germany is allowed from a cross-border euro payment of one EU country into another no longer distinguish. The European Central Bank expects from the banking industry that for the EU's single euro payments area 2008 is reality. The "SEPA Roadmap" focuses on this on the creation of three SEPA payment instruments: the SEPA direct debit, the SEPA credit transfer and the SEPA debit card. The European Payments Council has committed itself in its document by 2010 - involving national payments - the Euro Payments Area (SEPA). The technology to implement these measures must take part, d. H. new Standards, new procedures and a new infrastructure need be created.

The European Parliament (EP) has now updated on 25.04.2007 for the introduction of the single euro payments area Pronounced SEPA. After the final approval of the EU Council of Ministers could Member States the directive to implement by November 2009. It should enter into force in 2010. The banking industry has voluntarily committed to introducing SEPA in 2008.

Future also need for transfers within Germany the international bank account number (IBAN) and international Bank number (BIC) of the Empmngers be specified. Already from 1. January 2008, it should be a standardization of cross-border credit transfers give. That's what the European Banking Association is planning (EBF).

The Old payment channels should initially be in parallel with the new ones continue. During this time, the bank customers to the new Get used to specifications. By 2012, the vast majority Be part of the bulk payment, so that the means of payment sometime completely disappear in the previous form.

Furthermore Transfers should become faster within the EU. From 2012, bank transfers, where no Currency conversion is required, "at the latest at the end of the following working day on the recipient account be credited. "With currency conversion it still takes longer. The banks are expecting sharply rising costs and reject the regulation.

Sepa is therefore not a "real-time application" and is for a mobile financial transaction ((Überwei solution or account collection) can not be used at the POS, neither in the euro area nor beyond.

invention task

Of the present invention is based on the object, a new method for a cross-network mobile real-time payment system with high risk and abuse protection for buyers, To find sellers, network operators and the banking industry in which the described limitations and disadvantages a coupling by means of cash clearing systems of the banking industry, for example using the TARGET RTGSplus system of the Deutsche Bundesbank, be resolved. The task is solved by the characteristic Features of claim 1.

invention solution

The The invention will be described using drawing figures incorporated herein only one possible embodiment in schematic Show illustration, explained below, referring to the drawing figures further fields of application and claims result.

The The invention relates in particular to the communication structures for the safe handling of payment transactions according to Lit. 2 and complements the technical possibilities for cross-network real-time payments while maintaining the high security requirements and the associated advantages for buyers and sellers.

1 shows by way of example a typical solution of the task in a complex communication relationship involving multiple networks. The schematic solution is shown here using the example of a payment process at a gas station (credit procedure / direct debit procedure). With this payment variant, the purchase price is still unknown at the time of the agreement between buyer and seller. Debit procedures for which the invoice amount at the cash register is known are somewhat simpler in the process, but are to be realized in a schematically comparable manner.

A mobile radio customer (participant / 1 ) with mobile phone (MS) is located as a visitor (roaming) within the radio field of the mobile radio network PLMN_V ( 2 ) and is logged in there. The mobile network optionally has a financial services system MFS_V for its subscribers.

The mobile radio customer has a contractual relationship with the network operator PLMN_B ( 3 ) and in this network a mobile phone account for advanced financial services (here buyer account within the MFS_B / 4 ).

The mobile radio customer now wants as a buyer at the gas station ( 5 ), which in turn charge a financial account within the mobile network PLMN_S ( 6 ) (POS account within MFS_S / 7 ). The PLMN_S has a separate POSL connection (wired or wireless) to the POS ( 8th ).

There This is a real-time payment process, which involves inclusion the PLMN_V in the payment process an additional complication It is therefore preferable to proceed as follows.

The buyer connects to the PLMN_B network via his mobile phone, for example the menu control or by means of an automatically initiated procedure by the optional POS-MS communication ( 3 ) and there to the financial services system MFS_B via the network connection ( 2a ) ago. The payment process takes place directly between his account in his contract network and the POS account in his contract network. This is also true in the event that the POS site is also mobile and, in turn, is currently a roaming site in any roaming network.

The MFS_B has a file or a database system, mCLR (Mobile Cash Location Register) by the address of the MFS_S or alternatively the responsible mCCC (Mobile Cash Clearing Centrum), which is automatically transmitted via POS the wireless interface WL (Wireless Link) received or manually determined by the buyer POS ID is determined.

For example, this may be an identifier according to the procedure proposed in the invention. The financial transaction either runs directly between the mobile networks, if both networks are equipped accordingly and optionally a corresponding agreement between the network operators, or alternatively with the participation of at least one, for the specific real-time needs in the mobile phone environment equipped cash clearing system, here the mCCC. It can optionally an international central system, or a national, European, or otherwise assigned system to a network or country group. The connection between the mobile networks and the mCCC is made, for example, using signaling techniques customary in the banking industry, such as the SWIFT format, the signaling methods customary in telecommunications, such as the central channel signaling system SS1, or alternatively preferably via TCP / IP protocol structure a self-routing distributed network structure for the clearing network, such as the use of the public Internet allowed. For privacy, appropriate security guidelines must be adhered to, such as the installation of virtual networks (Virtual Private Network VPN) and corresponding tunnels, for example using the SSL protocol (Secure Socket Layer).

Should the POS account is not within a communication network, but instead For example, at a credit institution of the banking industry, for example a bank, so the relevant one has Institute via a POSL interface and is for proper Sequence of real-time transactions connected to the mCCC.

4 clarifies the payment process. The PLMN_V is not shown for clarity. The same applies to an optional POS roaming network. These networks are transparent with regard to the payment process to be considered.

The buyer edits the POS identification (POS number) into his mobile phone ( 4 ), or a POS terminal (here a gas pump) sends a connection request ( 1 ) via the optional connection WL as a preliminary stage for a data transfer between POS and MS, for example specifying the POS identification (eg "dispenser 1"), this process is not shown in the diagram for the sake of simplicity.

Of the Buyer can optionally set a price limit for the Edit process, or generally for such operations configure a payment limit in advance.

In the FCS of MFS_B an account authentication with account balance control takes place. Then, an automatic connection to the mCCC and the POS mobile network is established ( 5 ) and authenticity of the seller (POS). The POS data are then displayed in the MS ( 6 ). Now the buyer again has the option of additional information (mileage, maximum amount, PIN, purpose, etc.) and instructs the process ( 7 ).

The account balance is optionally re-verified and the purchase confirmation is transferred to the POS ( 8th ). Additional optional information about the buyer and the process can be helpful for the accounting, for example for discounts, taxation etc. The POS then releases the goods (here request for refueling).

After transfer of goods, the invoice amount is determined on the POS side and sent to MFS_B ( 9 ), where the financial transaction ( 10 ) to the seller's account. The buyer receives a corresponding optional information about the new account balance and finally a transaction acknowledgment ( 11 ) from the POS, or from the MFS_S. An optional POS receipt is also sent on the MFS_S side.

3 schematically shows the cash clearing device according to the invention. At least two interface devices ( 1 ) make the connection to the connected mobile or data networks. In doing so, they are able to guarantee a secure and optionally encrypted data connection and to fulfill the corresponding physical and protocol-related interface conditions. A switching device ( 2 ) is used to establish connections and to forward data and information between the participating networks and / or institutes using a routing database ( 4 ), which includes at least addressing information and switching information for the connected networks and / or institutes. The R-DB allows, for example, the storage of preferred and alternative connection paths to the connected networks. With this measure, cost- and / or time-optimized connections o. Ä. With different priority, for example, to direct a financial transaction of a mobile subscriber within a mobile network to a bank abroad with first priority on mobile networks and the cash clearing system in the mobile sector and final transfer to the local cash clearing system of the banks in the target country, which, for example, eliminates the high conventional transfer fees in the banking industry for international financial transactions, if, for example, the transaction in the country of origin is transferred to the banks cash clearing system and, for example, through the use of TARGET. or SWIFT network to the international target bank. A clearing institution ( 3 ) calculates mutual liabilities connected networks and institutions and stores them together with the individual transactions in the accounts of the network accounts database ( 5 ). Additional network-specific data, such as authentication data, encryption and security data, amount limits, transfer limits, services and parameters, exchange rates, fees, additional terms, exclusion lists, etc.

For the case that the corresponding components of the mCCC at least pro rata within the mobile radio networks (preferably in the mobile wireless financial service center MFS) and appropriate bilateral arrangements between individual mobile network operators, the mCCC can be dispensed with and may be through a standardized IP network, such as the public Internet with the routing facilities arranged therein replaced it is also useful in this case, though certain agreed parameters (for example, the NAI-DB) centrally be maintained and maintained for all networks involved.

5 shows examples of connections and alternative connection paths, with the right half of the picture not all possible connections are shown to increase the overview. Thus, a Mobilfunknezt MNn1 with a buyer who starts by means of a mobile phone financial transaction to a POS, which is arranged for example in nationally mobile network MNn2, via the ML1 connection to the national cash clearing RTGSplus the banking industry and from there via ML2 to MNn2. A much faster and, if necessary, more cost-effective variant would be the alternative preferential variant via ML3 directly to MNn2 or alternatively alternatively via ML4 to mobile cash clearing mCCC and from there via ML5 to MNn2.

A international transfer of MNn1 to international Target network MNi can be used, for example, via the national RTGSplus, the SWIFT network and the international cash clearing system in the destination country RTGS ML7, or alternatively in real time via the mCCC directly via ML6 to MNi. Comparable could be a target account within the international financial institution KLi of MNn1 about the cash clearing network of banks, but also as an alternative faster and cheaper over the mCCC and the MNi of the destination country directly to the Kli as quasi domestic connection between the credit partners MNi and KLi in the destination country, whereby in this case the extremely expensive bank charges for an international transfer omitted. In extreme cases, a national credit institution KLn via a partner network MNn1 (or by direct connection to the mCCC) an international bank KLi in the destination country the mobile cash clearing network (in the further course over MNi) and thus the real-time and cost advantages of this Procedure with complete evasion of the banking networks for to claim.

Drawings and equipment

1 : Cross-network mobile real-time direct debit

2 : Direct network coupling

3 : Cash clearing facility mCCC

4 : Cross-network mobile real-time direct debit / transaction scheme

• Lit. 1: Patentanmeldung „Kopplung von Bank – und Telekommunikationsnetze", DPMA-Anmeldenummer 102007006658.0 , Erfinder Walter Keller
• Lit. 2: Patentanmeldung „Mobiles Echtzeit Bezahlverfahren", DPMA-Anmeldenummer 102007006659.9 , Erfinder Walter Keller
• Lit. 3: Spezifikation für den elektronischen Zahlungsverkehr der Deutschen Bundesbank, Version 1.1 ( http://www.Bundesbank.de ).
• Lit. 4: Allgemeine Geschäftsbedingungen der Deutschen Bundesbank, Bankrechtliche Regelung 5, Ausgabe 4 vom 1. 10. 2006 ( http://www.Bundesbank.de ).
• Lit. 5: Patentanmeldung „Universelle Bankkontonummer UBAN", Erfinder Walter Keller

5 : Transaction paths in financial transactions

• Ref. 1: Patent application "Coupling of banking and telecommunication networks", DPMA application number 102007006658.0 , Inventor Walter Keller
• Ref. 2: Patent application "Mobile real-time payment method", DPMA application number 102007006659.9 , Inventor Walter Keller
• Ref. 3: Specification for Electronic Payments of the Deutsche Bundesbank, Version 1.1 ( http://www.Bundesbank.de ).
• Ref. 4: General Terms and Conditions of the Deutsche Bundesbank, Bank Law 5, Issue 4 of October 1, 2006 ( http://www.Bundesbank.de ).
• Ref. 5: Patent application "Universal bank account number UBAN", inventor Walter Keller

Explanation to the illustrations / list of reference numerals: POS Pay point Point of Sales POSL POS terminal line POS link WL Wireless connection Wireless link RL Mobile connection Radio link MS Mobile terminal (mobile phone) Mobile Station WL wireless interface Wireless link IU Interface facility Interface unit PLMN Mobile network (_B: buyer, _S: seller) Public Land Mobile Network MFS_B Mobile financial service system buyers Mobile Finance System Buyer MFS_S Mobile financial service system seller Mobile Finance System Seller FCS Financial control system (central computer) Finance Control System DN optional data network Data Network mCLR Destination network Register Mobile Clearing Location Register MCCC Mobile Cash Clearing Center mobile CC Center ..._ V Visitors device Visitor Equipment RU switch Routing unit CU Clearing facility Clearing Unit NAC DB Database with accounts of network operators / institutes Network Account Data Base NAI-DB Database with Authentication- u. processing information Netw. Authentication & Information DB R-DB Mediation database Routing Date Base KI credit institution IL interlinking RTGS National real-time gross payment system Real time Gross settlement system) RTGSplus National real-time gross payment system in Germany TARGET International real-time payment system Trans-European Automated Real.time Gross settlement Express Transfer system MN mobile network MCCC Mobile Cash Clearing Center

QUOTES INCLUDE IN THE DESCRIPTION

This list The documents listed by the applicant have been automated generated and is solely for better information recorded by the reader. The list is not part of the German Patent or utility model application. The DPMA takes over no liability for any errors or omissions.

Cited patent literature

• - DE 102007006658 [0046]
• - DE 102007006659 [0046]

Cited non-patent literature

• - "Coupling of Banking and Telecommunication Networks, Inventor Walter Keller [0003]
• - "Mobile real-time payment method, inventor Walter Keller [0004]
• - http://www.Bundesbank.de [0046]
• - http://www.Bundesbank.de [0046]
• - "Universal bank account number UBAN", inventor Walter Keller [0046]

Claims (7)

Inter-network mobile real-time payment method, characterized in that the particular advantages of a real-time financial transaction in the form of transfers and / or direct debits within mobile and / or IP data networks, as described for example in references 1 and 2, and in particular in the fast transaction preferably in the seconds range on all 365 calendar days per year as well as the special additional security criteria (eg authorization, secure data transfer, customer identification and account clearing and respective display on the display) for both parties involved in the transaction as well as for the credit institution also be made available for cross-network payments between mobile networks or between or to / from IP data networks by the financial services as an alternative to a financial transaction through the cash clearing system of the banks, which has the described restrictions systems of the respective mobile network (or, for example, IP data networks) for the purpose of cash clearing, d. h of cashless financial transfer with account clearing between the accounts, either with a physical or logical data connection via respective interface devices IU directly related (for example MFS_B in PLMN_B and MFS_S in PLMN_S in 2 ) or, in an alternative procedure, at least one specific mobile radio cash clearing center according to the invention (mCCC mobile cash clearing center, 1 ) for the financial transaction between the networks, which can receive, process, transfer and transmit protocol elements of the mobile communications and / or IP data networks involved in the financial transaction. Inter-network mobile real-time payment method, according to claim 1, characterized in that for mutual billing of cross-network financial transactions between two mobile or data networks at least one cash clearing device is used, which within the respective networks or alternatively centrally between the networks as a mobile cash clearing center mCCC can be arranged, according to 3 a switching device ( 2 ) to establish connections and to relay data and information between the participating networks, using a routing database ( 4 ), which at least contains addressing information and switching information for the connected networks and, for example, enables the storage of preferred and alternative connection paths to the connected networks in order to save costs or speed by, for example, selecting the transitional location for cash clearing of the banks (for example or alternatively in the target country for international financial transactions) or to achieve the complete circumvention of the cash clearing system of the banks etc. The network coupling takes place via interface devices ( 1 ), which fulfill a secure and optionally encrypted data connection and the corresponding physical and protocol interface conditions. A clearing institution ( 3 ) calculates the mutual liabilities of the connected networks and stores them together with the individual transactions in the accounts of the network account database ( 5 ), with an additional database ( 6 ) contains optional network-specific data, such as authentication data, encryption and security data, amount limits, transfer limits, services and parameters, exchange rates, fees, additional terms, exclusion lists, etc. Cross-network mobile real-time payment method, according to claim 1, characterized in that to the mobile phone cash clearing center next to mobile and / or Data networks also directly or indirectly credit institutions, banks and savings banks may be connected to, for example Real-time, cost and standardization advantages over an inhomogeneous bank account. Inter-network mobile real-time payment method, according to claim 1, characterized in that the payment process is carried out directly between the financial systems of the buyer involved (MFS_B) in the telecommunications network of the buyer PLMN_B and the financial systems of the seller (MFS_S) in the telecommunications network of the seller PLMN_S also in the case if buyer and / or seller are mobile and at the time of payment according to 1 in the same or different telecommunications networks, in particular mobile networks, as visitors stop and are logged in these networks, the corresponding payment-specific traffic from the respective visitor network PLMN_V the contract network PLMN_B (or PLMN_S) is performed, which for example MS side (or POS side ) by means of an automatic dial-in procedure for the MFS of the home PLMN integrated in the control menu. Inter-network mobile real-time payment method according to at least one of the preceding claims, characterized in that the respective destination addresses for a cross-network transaction transaction is optionally arranged in a respective network side file or database (mCLR, Mobile Cash Location Register) and by means of, for example, the POS identifier as a reference can be determined automatically, while the POS-ID example, as a mobile identification / phone number before, select the destination address may be an Internet address, etc. Cross-network mobile real-time payment method according to at least one of the preceding claims, characterized in that the cash clearing center is optional is arranged within the mobile networks, with itself the external clearing network in this case on a simple IP connection network, For example, the public Internet, restrict can. Cross-network mobile real-time payment method according to at least one of the preceding claims, characterized in that the POS account is optional and alternative can be arranged within a bank, whereby the credit institution in this case for the purpose of realizability the required seller security over one POSL connection to the POS has (for example, using a Telecommunications or IP network) and in addition to Compliance with the required real-time criteria over one Connected to the mCCC.