JP2006514384A - Electronic commerce accounting method and electronic commerce execution method via telephone - Google Patents

Abstract

The electronic commerce accounting method is that the commerce is initiated by the payer (1) from the electronic terminal, the operation is the commerce code (A) representing the type of commerce selected, the transaction volume (B) representing the value of the commerce, a specific transaction Causes the account system (3) to communicate the payer ID (D) explicitly assigned to the payer (1) and the payee ID (C) assigned to the payee (2), and In addition to whether the specified transaction volume (B) is available in the payer (1) payment account (4), the accounting system (3) can also determine whether the payer (1) is an authorized user or Check if there is a beneficiary with beneficiary ID (C) and what kind of commerce is handled by this beneficiary, then the accounting system (3) preferably also includes extended information about the commerce , Send cumulative information about the transaction to payer (1) (E), while payer (1) accepts the transaction The account system (3) executes the commerce account on the payment account (4) (G) after receiving the acceptance of the commerce transaction (F) , Preferably directly to the commerce account, similar to sending a commerce notice (J) to the payer (1), including additional information (I) communicated to the account system (3) by the payer (2) A notification of payment, including additional information about the payer (1), that is not related to (1) is sent to the payee (2) (H).
The method of performing electronic commerce over the phone is that the commerce is initiated by establishing a connection from the payer (1) phone (5) to the server (6) of the billing system (3), where the commerce parameters are The server (6) is identified directly in the sequence (S) dialed on the telephone (5) in the course of the connection initiated and from the telephone (5) through the communication network (7) together with the payer ID (D). While any missing parameters of the commerce are preferably completed completely during the connection session by the payer (1), and the notification of the commerce via phone (5) is instead closed It is transmitted by the accounting system (3).

Description

  The present invention relates to a method and payment means for performing and accounting for electronic transactions under special considerations of telephone use.

Background of the Invention

In the state of the art, a number of electronic commerce execution methods are known. In most cases, however, the transaction accounting method depends on the method or type of transaction selected (eg, payment card transaction, parking fee payment from prepaid account, etc.).
The most commonly used method is a payment card (magnetic or microprocessor). The most popular payment card systems are Visa, MasterCard or American Express. Payment cards are assigned to one specific payment account, so the funds available on the card can only come from one place. Having so many accounts in a financial institution is equally compelling to use other cards, which is often unpleasant and unsafe for the user. The present method employs the possibility of using a number of different payment accounts identified through a single identifier within a single payment system. In this way, funds can be accessed from more than one payment account at the same time.

  In application WO0109851, a method for performing payment with a payment card is known. Here, the mobile phone is used as a card authorization terminal, or a commercial transaction is performed based on information on a credit card provided by a user (DE10028028). In the specification US6282522, a commonly applied method for paying with a payment card over the Internet is known. The method used only allows the information on the payment card to be sent to the appropriate authorization center. Here, the commerce account always proceeds in the same way and relies on payment card technology.

  The prior art also discloses electronic payment methods using prepaid accounts or directly with bank accounts. The micropayment system known in US5999919 can be an example. However, its functionality and scope is often limited, for example, only for payments over the Internet, or for payments for communications services, as in US5749075, and such commerce accounts are determined by the technology used. The

  In EP1136961, it is known how to use a telephone, in particular a wireless telephone in a mobile communication network, to perform electronic payments. However, the method of application does not provide a uniform way of paying for various types of payments and is often complex and not particularly user friendly. As in the case of FR2820232, they often consider only making payments with limited scope and are not very universal.

  The purpose of the present invention is universal for electronic commerce, which will probably handle all types of commerce and various types of payment accounts, and will be particularly suited to the demands and needs of today's market. The goal is to create a unified system. Furthermore, it is an object of the present invention to provide the user with full control of the transactions performed and a comfortable and simple usage, especially when making payments over the phone.

Summary of invention

According to the present invention, the feature of the electronic commerce account method is that the transaction is initiated by the payer from the electronic terminal, and the operation represents the commerce code indicating the type of the selected commerce, the value of the commerce. Causes the accounting system to communicate the amount, the payer ID explicitly assigned to the particular payer, and the payee ID assigned to the beneficiary of the payment, and then In addition to whether the specified transaction volume is available in the payer's payment account, the system determines whether the payer is an authorized user, whether there is a beneficiary with a specific payee ID, and what type of transaction is The billing system then sends the accumulated information about the transaction, preferably also including extended information to the payer, to the payer, while the payer Requested to accept the commerce, correct or complete the data, and the billing system, after receiving the acceptance of the commerce, executes the commerce account on the payment account, preferably Similar to sending a business transaction notice to the payer, including additional information communicated to the account system by the payer, preferably including additional information about the payer not directly related to the business account This means sending a notification to the recipient.
A number of different payment subaccounts are preferably assigned to the payment account within its limits, and these payment subaccounts are directly connected to the institution that manages the payer's funds, one of which is a payment transaction. Initiated by a person, preferably combined and accounted from several payment sub-accounts, while the payer is preferably assigned to a corresponding business transaction code or alternatively a specific type of business transaction when initiating a business conduct, Selecting a payee ID performs a preliminary selection of a single payment subaccount or a specific group of payment subaccounts from which the business transaction is executed.
The same payment sub-account is used by a number of different payers within their payment account for the transaction account initiated by them.

Preferably the payee ID is a fixed ID, instead a temporary ID or instead a local ID, where the fixed ID is permanently assigned to the payee in the accounting system and the temporary ID is for a specific time interval. Or, as needed for a single transaction, can be given on a temporary basis by the payee's request, and the local ID is for payees that are not defined in the accounting system and cannot be accessed by other payers Provided to payee by payer to account for commerce. At the same time, a specific business transaction is explicitly identified, in particular by a temporary ID assigned to this business transaction.
The payee ID is assigned to a specific offer or a specific offer of the payee through which the offer is explicitly specified.

According to the method of the present invention, the commerce--as a periodic commerce-- lasts for a specific time interval, and the transaction volume is received during the commerce session initiated by the payer. Calculated automatically by the account system for account units communicated or defined by a person, and the start of a transaction by a payer constitutes a component of the transaction volume, which is a calculated unit-charge ), While the end of the transaction and the complete account are executed based on a request from the billing system, payee or payer, and a notice of payment is sent to the payee again based on the end of the transaction, and The payer receives a commercial transaction notification, which includes cumulative information about all transactions and their closing, while unit billing is preferably based on the current period during the commercial transaction session. In the accounts by the accounting system.
Preferably, the transaction volume is communicated to the billing system (3) at the beginning of the time interval business transaction, while such a transaction is calculated to a specific transaction volume value, which is then terminated by the billing system.
According to the present invention, the transaction volume is be charged to the payee based on a request from the accounting system, which verifies that the transaction volume specified by the payer is correct for the transaction volume or It is preferably possible to eliminate the need to state the transaction volume when initiating a business transaction by the payer, while the payee sends additional information about the business transaction, preferably along with the business transaction amount, to the accounting system.

  Preferably, the notice of payment sent to the payee includes additional information about the payer that is not directly related to the business transaction account.

A feature of the method of performing electronic commerce over the phone is that the commerce is initiated by establishing a connection from the payer's phone to the server of the billing system, where the commerce parameters are on the phone in the course of the initiated connection. Specified directly in the sequence dialed in and sent with the payer ID from the phone through the communication network to the server, while any missing parameters of the commerce are preferably completed completely during the connection session by the payer, And the notification of the commercial transaction through the telephone is sent by the billing system after the connection is terminated instead.
Preferably, when a specific business transaction is performed in the same communication channel where a connection between the payee and the payer is already established, the payer establishes a new connection to the accounting system to account for the business transaction There is no need, but the current connection is preferably redirected by the payee to the billing system, while the payee communicates all the business transaction parameters known to him to the billing system at the same time.
Preferably, the connection is within the voice channel with tone dialing DTMF, or alternatively with the use of USSD, by way of the user starting the connection directly from the telephone keyboard while dialing a sequence containing commerce parameters. Established through a text message in the signaling channel, where each of the commerce parameters is preceded by a star symbol “*”, and preferably the placement of the hash symbol “#” at the end of the sequence (S) In the case of a USSD sequence, deciding whether it is a commercial transaction or a text transaction, it ends with a hash symbol "#".

Embodiments of the invention are shown in the figures. here,
Figure 1 shows the general method of an e-commerce account. Figure 2 shows the e-commerce account method using a fixed, temporary or local ID. FIG. 3 shows a periodic electronic commerce accounting method. FIG. 4 shows a method of executing electronic commerce through a telephone.

According to the present invention shown in FIG. 1, a payer (1) who has an account in the account system 3 initiates payment from an electronic terminal operated by this system. In order to account for a specific business transaction in the correct way, the accounting system 3 must receive all the necessary information, including business transaction code A, payee ID C, payer ID D and preferably transaction volume B.
Commerce Code A identifies the type of commerce being performed (e.g., payment commerce, commerce cancellation, cash withdrawal), or alternatively, a group of payment accounts 4 or a single with which the commerce is accounted for The selection of sub-accounts 4 '(eg, payment commerce from one business sub-account, cash withdrawal from a group of private sub-accounts) is allowed.
Transaction volume B explicitly specifies the value of the business transaction being accounted for. Preferably, the transaction amount B given by the payer 1 is matched with the commercial transaction amount B ′ given to the payee 2 based on the request P from the billing system 3. Preferably, if the transaction volume B 'is at the discretion of the accounting system 3, there is no need to communicate the transaction volume B and the transaction is accounted for based on the transaction volume B' given by the payee 2 .

Recipient ID C is used to identify Recipient 2. Preferably, one recipient 2 owns a number of different recipient IDs C at the same time. Recipient ID C identifies a specific payment location (eg, cash register), instead of a specific item / service (eg, for TV shopping in a TV commercial) or alternatively a specific business transaction (eg, via the Internet) Play a role to play. Preferably, the payee ID C also specifies the types of business transactions that can be accepted by the specific payee 2 depending on which specific types of business transactions can be executed for the specific payee ID C.
The unique payer ID D explicitly identifies payer 1 in all account systems 3. Instead, within the account system 3, several different types of payer ID D coexist, while individual payer ID D is not duplicated or overlapped, and one payer 1 is instead It is specified by several IDs of that kind, for example by customer number, telephone number.
In the accounting system 3, a single payer 1 has only one assigned payment account 4 containing at least one or preferably a number of payment sub-accounts 4 ′, and thus the same payment sub-account Account 4 'can even be freely assigned to several different payment accounts 4. The payment sub-account 4 'is integrated into an actual payment account, for example a bank account on which the payer 1 holds his funds.
When the accounting system 3 receives the data necessary for the business transaction to be executed, whether the payer 1 who initiated the business transaction is authorized to do so and the payer 1 can be accounted for the business transaction therefrom However, it is verified whether or not you have a suitable payment account 4. If beneficiary 2 is permanently connected to billing system 3, then preferably a request for transaction volume B 'is sent to beneficiary 2, which is compared with transaction volume B, or preferably it is received Since only the transaction volume B ′ from the person 2 is collected by the accounting system 3, the transaction volume B is not required.
After verifying the possibility of executing a business transaction and accessing the transaction volume B on the payment account 4, the account system 3 will give the payer 1 a cumulative (cumulative) transaction with a request to accept the transaction. ) Send information E. This information preferably includes additional data about the transaction as well as for recipient 2, which allows for a complete and comprehensive display of the transaction. To approve the accuracy of the business transaction, payer 1 sends back a business transaction acceptance F, which preferably includes a user password or PIN code for business transaction acceptance. After the receipt, the account system 3 executes the commercial transaction account G on the payment account 4. Preferably, a single business transaction is counted from multiple payment sub-accounts 4 ′ simultaneously within one payment account 4, depending on their settings and the availability of each of the funds. If you have several payment subaccounts 4 ', they are preferably grouped. A payment account to account for the business transaction is selected based on the analysis of the business transaction code A or alternative payee ID C and executed by the account system 3.
After the business transaction is accounted on the payment account 4, the accounting system 3 sends a payment notification H to the payee 2 and a business transaction notification J to the payer 1. If the payee 2 is permanently connected to the billing system 3, then he preferably sends back additional information I that is communicated to the payer 1 in the commercial transaction notification J.

  FIG. 2 shows payee ID C, which enables payer 1 to explicitly identify payee 2 and execute a business transaction for his benefit. The payee ID C is a so-called fixed ID C ', ie a fixed discriminant in the system, which is accessible to all payers 1 equally by the account system 3 according to a standard procedure. Assigned as. Instead, billing system 3 provides payee 2 with a temporary ID C "that is assigned as a temporary during a specific time interval or for a specific commercial transaction requirement based on payee 2's request R After the identified deadline or completion of the specified transaction, the temporary ID C "is removed from the payee 2 by the billing system 3 and becomes available to any payee 2. Recipient 2's same provisional ID C "identifies any recipient 2 in multiple time intervals, but only one recipient can be identified in its use at the same time. Instead, the payer 1 independently supplies the payee 2 with a local ID C ″ ′, which allows the identification of payee 2 to be performed singly and exclusively by this payer 1. When defining a new payee 2 for his own needs, payer 1 must enter all the necessary data that allows the transaction to be fully accounted by the accounting system 3. The same local ID C "'is preferably assigned to different payees 2 in the same time interval, but each of them is available for use only for a specific payer 1 that provided a specific definition.

  In the case where the periodic fees shown in FIG. 3 are imposed, initiating a commerce transaction by payer 1, this preferably starts the calculation of the charge, which is accounted for on the current basis G. As a result, the total commerce account will be paid from payer 1 (if the payer no longer wants to use the service), from the payee (when he has already stopped providing the service or On a request from the account system 3 (when it explicitly states that it has stopped using it) or (when a failure or error occurs, or when funds on the payer 1 account have been used up) It is executed after its termination. Transaction volume B is not communicated to account system 3 at the start of the transaction, but automatically for all of the account units Q communicated or defined by payee 2 by account system 3 during the transaction session. Calculated. Preferably during a timed commerce session, the commerce account G for all account units Q is executed on the current basis by the account system 3 from the payment account 4 and the availability of funds necessary for the commerce to continue Are checked at the same time. Instead, during the start of a timed commercial transaction, transaction volume B is communicated to account system 3, which means that such a transaction is calculated to a value equal to transaction volume B and cannot be exceeded. cause. If an attempt to exceed the transaction volume B by commercial transaction occurs, the commercial transaction is automatically terminated by the accounting system 3. Payee 2 receives payment notice H and payer 1 receives commerce notice J, both in accordance with the standard process after the start of the commerce and after and additionally after it ends.

The e-commerce execution method involving the use of the phone shown in FIG. 4 is that payer 1 uses phone 5 to execute the transaction, and he now dials sequence S on the phone 5 keyboard. This is based on starting a communication connection. The start of the communication connection means that the business transaction is started at the same time because the dial sequence S includes the business transaction parameters. These parameters, along with the payer ID D, reach the server 6 of the billing system 3 through the communication network, which, based on the received information, identifies the commercial party and executes the commercial bill. If Payer 1 needs to identify additional parameters of the business transaction, modify them or complete them, he preferably performs these actions during the communication connection session. The commercial transaction notification is preferably sent to the telephone 5 after the connection has already been terminated, for example via SMS or fax, where the payer 1 receives a non-transient notification of the commercial transaction.
Preferably, the communication connection is established as a voice commerce on the voice channel, or alternatively as a text commerce on the signaling channel with the use of USSD. Then, dialed on phone 5 in the connection initiation process, the sequence S contains the necessary parameters of the commerce, where each parameter is preceded by a star symbol "*", and in the case of a USSD sequence: It additionally ends with a hash symbol "#". Both symbols are the same and contain the same information, and the hash symbol "#" at the end of the sequence determines the choice of voice or text commerce, where both commerce are the same during the entire session of the connection. One-the only different element is the way to communicate and communicate information to the user. The function is the same in both cases. If the commerce is performed on a voice channel, the commerce parameters are specified in the phone number to be dialed or communicated through tone dialing DTMF. In the case of text commerce involving the use of USSD, commerce parameters are communicated in a USSD sequence or during data exchange in a subsequent USSD session.

  In the example presented below, the mobile phone as phone 5 serves as a payment terminal for performing business transactions, while phone 5 can instead be replaced by other electronic devices that communicate with billing system 3. . The commercial transaction is executed by using the sequence S from the telephone 5 in the form of a USSD command or tone dial DTMF. Payer 1 is identified by means of Payer ID D, which is the MSISDN number of his mobile phone. In all embodiments, payer 1 has a private payment account at the bank within payment account 4. The billing system 3 is equipped with a suitable server 6 and the connection from the telephone 5 is performed through the communication network 7.

Example 1
Payer 1 pays for the goods purchased at the store. Payee 2 communicates his payee ID C, which is 123456, to payer 1. Recipient 2 also uses a mobile phone to authorize commercial transactions. The commercial transaction code A is 145 in the case of payment for goods. Transaction volume B is PLN 100. Payer 1 dials the sequence S USSD * 145 * 123456 * 100 # from his phone 5 or * 145 * 123456 * 100 if the transaction is performed on the voice channel. These data, along with his mobile phone MSISDN number serving as payer ID D, are communicated from the telecommunication operator's data communication system to the billing system 3, which has this number. The payer 1 can be found in the system, whether there is a payee 2 with a specific payee ID C 123456, and the type of transaction selected (payment here) between them Check if it can be executed. The billing system 3 checks whether the payee 2 is permanently connected and offers the possibility to collect the transaction volume B ′. If there is no such possibility, it is checked whether the transaction volume B is specified by the payer 1. The accounting system 3 checks, based on the received data, to which payment account 4 the payer 1 is assigned and whether the payer 1 has sufficient funds. After verification of all the data relating to the commerce, the account system 3 has the payer 1 with additional information about the payee C as well as the commerce itself (the name of the payee, the description of the commerce), The cumulative bottom information E is transmitted. Payer 1 accepts the transaction by entering his own PIN code. Account system 3 connects to payment account 4 and performs a transaction G account for transaction volume B taking into account the potential commission, after which the system sends a text message (SMS) format to recipient 2 In particular, it sends a payment notice H containing information about the business transaction ID and transaction volume B. The commercial transaction notification J is also received by payer 1 and, in addition to the commercial transaction ID, it contains information about transaction volume B and payee 2.

Example 2
Payer 1 has two private accounts in two different banks within payment account 4 and one business account from which he performs payments for the company. Payer 1 has a PIN 50 in each of the private accounts and a PIN 10 in the business account. The commerce code A for commerce executed from the private account is 145 and 146 for business accounts. Payer 1 parks his business car in a paid municipal parking place, as well as withdrawing cash from the private account, and counts this transaction from the business account. On the parking meter, which is the property of Recipient 2, his Recipient ID C is displayed as 321321. Payer 1 initiates a business transaction from his phone in the form of the sequence S USSD: * 146 * 321321 #. This information is sent to the billing system 3 along with the telephone number of the payer 1, which verifies the received data. Based on the data assigned to the payee ID C, the accounting system 3 will determine that the payee 2 thus identified is charged according to the outline defined by the payee, ie PLN 0.1 per parking minute. Recognize that they only perform public parking (parking). The billing system 3 sends to the payer 1 cumulative information E about the business transaction regarding the beginning of the billing calculation. Payer 1 accepts the transaction F, and then a collection for every advance parking starts from his business account on payment account 4. Recipient 2 and payer 1 receive payment notice H and commercial transaction notice j, respectively. If the billing system 3 receives information from the payment account 4 describing insufficient funds, it sends an appropriate payment notice H to the payee 2 and a commerce notice J to the payer 1 (that is, Including additional information about the cause of termination) and suspending the transaction. Payer 1, on the other hand, wishes to withdraw PLN 70 in cash from his private account at a nearby store. The store has two recipient IDs C. The first is assigned to perform payment for goods, and the other, along with the number -121323, allows cash withdrawals to be performed. Payer 1 dials the following sequence from his cell phone: * 145 * 121323 #. The entered data, along with payer 1's phone number, is sent to account system 3, which, based on payee ID C, allows certain business transactions to apply only to cash withdrawals, while payee 2 Verify that the maximum allowed transaction volume for a single transaction is PIN 100. Since transaction volume B is not specified, feedback information is sent to payer 1 along with a specific request for withdrawal transaction volume B, which is used on payment account 4 by account system 3 based on its receipt. Validated against possible funds. Since transaction volume B exceeds the funds available in the first payment subaccount 4 ′, the billing system 3 then checks the payment subaccount 4 ′ and the total transaction volume stacked on both of them is Ensure that the business transaction is sufficient to be executed. Cumulative information E about the business transaction is sent to payer 1 along with the request to accept it, and then payer 1 sends back a PIN code as a business transaction notification F. The accounting system 3 executes the accounting of the business transaction G from both payment sub-accounts 4 ′. Payee 2 receives payment notice H, which includes information about the need to perform cash withdrawals for the benefit of payer 1, among others, and payer 1 receives commercial transaction notice J.

Example 3
Payer 1 uses his mobile phone in a pre-paid system. He purchases an account unit (providing him the possibility to use the services provided by this operator) with his telephone operator acting as Recipient 2. The commercial transaction code A is 145. The recipient ID C is 112233 in the case of an operator. Payer 1 has two variants for the purchase of the unit. That is,
1． Declare purchase of account unit Q with sequence S USSD * 145 * 112233 * 100 # with value equal to PLN 100.
2． Order the checking current account for account unit Q used in the telephone operator within account system 3 with the sequence S USSD * 145 * 112233 #.
Payer 2 with the selected payee ID C offers only the possibility of performing a periodic settlement. After all data has been verified and a notification has been sent, the billing calculation starts. Payment is accounted on a current basis according to account unit Q communicated by payee 2 or the transaction is terminated if funds available on payment account 4 are insufficient. If the first option is selected, the service is provided by the telephone operator until the moment the account system finds that the limit of PLN 100 entered by payer 1 has been exceeded as transaction volume B . In the case of the second option, commerce is not limited to time. In both cases, the transaction terminates the transaction, by payer 1 when sending the sequence S * 145 * 112233 #, if the system finds that there is insufficient funds available on payment account 4 It can be terminated by the billing system 3 or by the payee 2 if the payee 2 should stop providing the service for the benefit of the payer 1 for any reason.

Example 4
Payer 1 purchases a product at an Internet store. Choosing a product with a total trading volume of PLN 100, he chooses a payment method via his mobile phone on the web page. The commercial transaction code A is 145. Recipient 2, the Internet store, sends request R for assignment of provisional ID C "to billing system 3 and receives it as 123123, after which the recipient sequences on the web page that he sequenced on his mobile phone S: Shows a list of items purchased by Payer 1 along with a request to dial * 145 * 123123 # .After a specific sequence is dialed, the data communicated to Account System 3 is verified, and Based on the request P, the transaction volume B ′ is collected from the payee 2. Regarding the transaction volume B ′, it is certain that the payer 1 has already placed a transaction order in the process of request P from the accounting system 3. Yes, so the store's web page is automatically refreshed with information that a transaction is in progress, and upon receipt of payment notice H, The page displays the status of the executed transaction, when payer 1 does not need to complete any box on the web page or click on any element. Later, the dynamic ID C "assigned to the payee 2 is freed and can be assigned to any other payee 2 sending the appropriate request R at any time by the billing system 3.

Example 5
Payer 1 wants to buy a drink on a classic coin machine connected to a communications network. Recipient 2, acting as the owner of the machine, has set a fixed ID C 'consisting of 323232 to it. The commercial transaction code A is 145. Payer 1 dials the sequence S USSD of * 145 * 323232 # from his mobile phone. The data is sent to the billing system 3, along with MSISDN as payer ID D, which recognizes that payer 1 does not specify transaction volume B, with respect to payee 2 specific machine, Request to specify the transaction volume B '. Recipient 2 has the possibility to freely specify the transaction volume for a particular machine, which allows him to take advantage of various special pricing offers. Upon receipt of the business transaction amount B ′, the billing system 3 sends a business transaction cumulative specification E to the payer 1, after which the system receives a business transaction notification from the payer 1 F. After the transaction G account on payment account 4, payee 2 receives payment notice H, which allows the machine to release the beverage selected by payer 1.

Example 6
Payer 1 uses web banking provided by a bank that operates payment account 4 and cooperates with account system 3. Within this service, payer 1 has a model transfer defined for selected payees 2 not specified by accounting system 3 in the standard procedure. Payer 1 introduces to account system 3 for his own needs the selected payee 2 while providing them with a local ID C ″ ′ within the range assigned by account system 3. After each commercial transaction performed by payer 1, the accounting system 3 receives data from the bank operating the payment account 4 and identified by the local ID C '''used for this transaction ( Collect all sets of model remittance). Based on the collected data, the billing system 3 issues a classic transfer order, taking into account the transaction volume B specified by the payer 1. If transaction volume B is not specified, the value specified by the model transfer is taken.

Example 7
Payer 1 uses his mobile phone to transfer his money to another mobile phone user having the phone number MSISDN 601234567 within the network of operators that the billing system 3 has signed and agreed to. The payee is seen as an external payee 2 at this stage, while his payee ID C does not originate from the standard 6-digit-numbering range but is unique It is recognized as a unique 9-digit telephone number (MSISDN). The commercial transaction code A is 145. Payer 1 dials Commerce Sequence S in the form of USSD code * 145 * 601234567 * 100 # or sequence * 145 * 601234567 * 100 in the case of a voice connection on his phone, which is PLN 100 Order to transfer transaction amount B to payee 2. The billing system 3 checks whether the payee 2 has his own payment account 4 in the billing system 3 when billing the ordered business transaction. If the account system can identify the payment account 4 assigned to the MSISDN telephone number identified as payee ID C, then the identified transaction volume B is the payment sub-account within payment account 4 Remittance to 4 ', otherwise the transaction volume B is retained on his respective communication operator, on the billing account of the service provided by this operator for the benefit of payer 1 Transferred to account 2

Example 8
Recipient 2 sells the product by means of TV commercial. The advertised product has a recipient ID C with the assigned value 432432. The commercial transaction code A is 145. While viewing the product commercial, Payer 1 chooses to purchase it and dials the sequence S USSD of * 145 * 432432 # or calls the number * 145 * 432432 from his mobile phone. The data entered reaches account system 3 with payer ID D, which is the MSISDN number, which requests payee 2 to identify the transaction volume B 'that constitutes the value of the transaction. P. Subsequently, the transaction is accounted for according to standard procedures, while the payment notice H sent to payee 2 contains additional information at payer 1, especially the delivery address and data required for the invoice. . If payer 1 also has a business account in payment account 4, then he declares that account from the business account and bills by dialing commerce code A as 146 in the commerce sequence. Letter data applies to his company.

Example 9
Payer 1 calls the airline information number for the purpose of purchasing a private plane ticket. He declares his intention to purchase a ticket by defining all flight parameters (date, time, and price) and paying for it over the phone from his private account. The service operator, as the payee 2, sends a request R for the provisional ID C "to the account system 3, which is assigned to this transaction. The value of the assigned provisional ID C" is 654654, The quantity B is equal to PIN 100 and the transaction code A is 145. The connection from the payer 1 is redirected by the service operator to the sequence S, number * 145 * 654654 * 100, using which the billing system 3 performs the billing of the commercial transaction on the voice channel.

  The implementation of the present invention contemplates the implementation of a universal accounting system that allows accounting of any kind of electronic commerce in a simple manner. The adoption of the fact that payment initiation is always initiated by the user ensures a high level of safety and control over the expense. The present invention also contemplates making all types of payments in practice in the same pattern. This greatly simplifies systems that handle and apply any kind of payment, such as internet payments, television shopping, bill payments, in-store payments, parking fees. The present invention allows for the same business account from several payment accounts at the same time, or the selection of a business account from a specific account or group of accounts, for example a private or business account, from which the business transaction is accounted. The present invention also contemplates performing timed payments in which goods or services are not immediately but are transmitted within a certain time interval during which charges are calculated. A large number of payment accounts with a single universal ID will substantially increase the comfort of electronic payments because the payer does not need to use an ID specific to the given account (e.g. a payment card). I will provide a. The present invention is particularly suitable for implementation of a billing system using a mobile phone. This allows it to be used in completely new applications. The implementation of a universal system for electronic payments has a positive impact on the payment market, dominated by outdated payment card technology. It also spurs the emergence of new services and activity areas. Here, the basic problem to date has been payment collection (eg, a coin machine without a communication interface). The present invention also has a direct impact on the development of the banking sector, providing it with entirely new tools and possibilities. The use of mobile phones to perform e-commerce (especially for voice channels with UDDD and tone dialing DTMF) makes it very easy to introduce e-commerce to the market and increase the potential of the entire system To do. The use of multiple complementary communication channels (voice and text channels) improves the quality of service, increases its reliability, and also allows users to match the way in which commerce is carried out to their own preferences. provide. The way to conduct commerce in two independent channels that do not depend on the type of commerce is simple, intuitive and uniform, making it easy for such methods to approach users, especially those new to new technologies. To do.

Claims (10)

The business transaction is initiated by the payer (1) from the electronic terminal, and the operation is sent to the transaction code (A) representing the type of the selected business transaction, the transaction volume (B) representing the value of the business transaction, and the specific payer (1). Causes the account system (3) to communicate the explicitly assigned payer ID (D), and the payee ID (C) assigned to the payee (2), and then the account system (3) In addition to whether the specified transaction volume (B) is available in the payer (1) payment account (4), the payer (1) is an authorized user or a specific payee ID (C) The beneficiary who has the credit and the type of commerce handled by this beneficiary, after which the accounting system (3) preferably also includes cumulative information about the transaction, including extended information about the transaction To the payer (1) (E), while the payer (1) accepts the transaction or corrects the data And the billing system (3) executes the commerce account on the payment account (4) (G), preferably the payer (2) after receiving the acceptance of the commerce transaction (F). ), As well as sending a business transaction notice (J) to the payer (1), including additional information (I) communicated to the account system (3) by), preferably not directly related to the business transaction account, An electronic commerce account method characterized by sending (H) a notice of payment to the payee (2), including additional information about the payer (1). A number of different payment subaccounts (4 ') are assigned to the payment account (4) within its limits, and these payment subaccounts (4') are directly connected to the institution that manages the payer (1) funds. The one transaction is initiated by the payer (1), preferably combined and accounted for from several payment sub-accounts (4 '), while the payer (1) A single payment from which the transaction is carried out, preferably by choosing a recipient ID (C), preferably assigned to the corresponding transaction code (A) or instead to a specific type of transaction Perform a pre-selection of sub-accounts (4 ') or a specific group of payment sub-accounts (4'), and the same payment sub-account (4 ') will have their payments made by a number of different payers (1) Within account (4), initiated by them The method according to claim 1, characterized in that it is used for the account of the transaction that. Recipient ID (C) is a fixed ID (C '), instead a temporary ID (C ") or instead a local ID (C"'), where the fixed ID (C ') is the account system (3) In which the temporary ID (C ") is temporarily assigned by the request (R) of the recipient (2) during a specific time interval or as required for one commercial transaction. And the local ID (C "') is not defined in the accounting system (3) and cannot be traded to a payee (2) that cannot be accessed by other payers (1) Method according to claim 1 or 2, characterized in that it is provided to the payee (2) by the payer (1) for accounting. Recipient ID (C) is assigned to a specific offer of recipient (2), through which a specific business transaction or offer is explicitly specified, according to claim 1, 2 or 3 The method described. The business transaction lasts for a specific time interval, and the transaction volume (B) is communicated or defined by all payees (2) during the transaction session initiated by payer (1) (Q) is automatically calculated by the accounting system (3), and the start of the business transaction by the payer (1) constitutes the component of the business transaction volume (B), the start of the calculated unit charge While the end of the transaction and complete account is executed based on the request from the billing system (3), payee (2) or payer (1), and notification of payment based on the end of the transaction (H) Is again sent to the payee (2), and the payer (1) receives a commercial transaction notice (J) containing cumulative information about all transactions and their termination, while unit billing is preferably during the commercial transaction session Accounted by the accounting system (3) on a current basis The method according to any one of claims 1 to 4, characterized and. The transaction volume (B) is communicated to the accounting system (3) at the beginning of the time interval commerce, while such a transaction is calculated up to the value of the specific transaction volume (B), after which it is calculated in the accounting system (3) 6. The method of claim 5, wherein the method is terminated by: The transaction volume (B ') is requested from the payee (2) based on the request (P) from the accounting system (3), which is the transaction volume (B) specified by the payer (1). ') Makes it possible to verify the correctness or preferably eliminate the need to state the transaction volume (B) when initiating a business transaction by the payer (1), while the payee (2) 7. A method according to any one of the preceding claims, characterized in that, together with the business transaction volume (B '), preferably additional information (I) about the business transaction is sent to the accounting system (3). The commerce is initiated by establishing a connection from the payer's (1) phone (5) to the accounting system (3) server (6), where the commerce parameters are called in the process of the initiated connection. (5) identified directly in the sequence (S) dialed above and sent with the payer ID (D) from the telephone (5) to the server (6) through the communication network (7), while The missing parameters are preferably completed completely during the connection session by the payer (1), and a commercial transaction notification via the phone (5) is instead sent by the billing system (3) after the connection is terminated An electronic commerce execution method through a telephone characterized by the above. When a specific commercial transaction is performed within the same communication channel where the connection between the payee (2) and the payer (1) has already been established, the payer (1) will use the accounting system ( It is not necessary to establish a new connection to 3), but the current connection is preferably redirected by the payee (2) to the accounting system (3), while the payee simultaneously accounts for all the commercial parameters known to him. 9. The method of claim 8, wherein the method is communicated to a system. The connection is either in the voice channel with the tone dialing DTMF, or alternatively USSD, by the user starting the connection directly from the telephone (5) keyboard while dialing the sequence (S) containing the parameters of the transaction Is established through a text message in the signaling channel with the use of, where each of the commerce parameters is preceded by a star symbol “*” and preferably a hash symbol “#” placed at the end of the sequence (S) 10. Method according to claim 8 or 9, characterized in that determines whether this is a voice transaction or a text transaction, in the case of a USSD sequence it ends with a hash symbol "#".

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