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WO2001065500A1 - System and method for confirming a credit card payment transaction via a mobile radio telephone network - Google Patents

System and method for confirming a credit card payment transaction via a mobile radio telephone network Download PDF

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Publication number
WO2001065500A1
WO2001065500A1 PCT/DE2001/000742 DE0100742W WO0165500A1 WO 2001065500 A1 WO2001065500 A1 WO 2001065500A1 DE 0100742 W DE0100742 W DE 0100742W WO 0165500 A1 WO0165500 A1 WO 0165500A1
Authority
WO
WIPO (PCT)
Prior art keywords
credit card
payment
network
mobile radio
processing unit
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Ceased
Application number
PCT/DE2001/000742
Other languages
German (de)
French (fr)
Inventor
Suriana Ahmad-Aliyuddin
Harald Preiss
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Siemens AG
Siemens Corp
Original Assignee
Siemens AG
Siemens Corp
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Priority claimed from DE10025565A external-priority patent/DE10025565A1/en
Application filed by Siemens AG, Siemens Corp filed Critical Siemens AG
Publication of WO2001065500A1 publication Critical patent/WO2001065500A1/en
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

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Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/24—Credit schemes, i.e. "pay after"
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—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]
    • G06Q20/3223—Realising banking transactions through M-devices
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—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
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment

Definitions

  • the invention relates to an arrangement and em method for confirming a credit card payment transaction in a data or telecommunications network.
  • Credit card fraud is usually only determined by the credit card holder when the monthly cost list is sent. If suspiciously high payment amounts are paid by credit card, the credit card institute sometimes calls the credit card holder via the fixed network to inform them of the card charge. This has the disadvantage that the credit card holder is not permanently available and the payment process cannot be interrupted by a counterfeit credit card or by an unauthorized user.
  • the Internet is becoming increasingly important as a source of shopping.
  • the credit card institutes but also more and more providers of goods and services connected to the internet.
  • the cell phone networks are becoming more and more important in comparison to the fixed network due to their constantly increasing reliability, their convenience and the constantly falling charges.
  • the connection of data and telecommunications networks is also progressing. Both the manufacturers of mobile radio end devices and the operators of mobile radio networks are increasingly interested in offering their customers the simplest possible access to data communication networks and in particular to the Internet.
  • the mobile terminal communicates with the Internet in the programming language WML (Wireless Markup Language) via the special Internet protocol WAP (Wireless Application Protocol).
  • WML Wireless Markup Language
  • WAP Wireless Application Protocol
  • the invention has for its object to provide a credit card payment system that ensures a high level of security both for the credit card holder and for the company receiving payment by credit card (eg restaurant) and for the credit card institute.
  • the invention closes the essential idea e of quickly and easily informing the credit card holder about the use of his credit card in a credit card payment process via a mobile radio network. This idea opens up the possibility of an increase in credit card payment processes in both personal and professional transactions.
  • the invention includes the
  • the mobile terminal of the credit card holder is preferably a device which communicates with the Internet using the WML language as part of the WAP. It is also possible to create a mobile terminal device that is capable of processing the HTML format in order to provide direct access to the Internet without the previously required conversion of HTML files into the WML format or vice versa. This mobile terminal can also have a key assignment for confirming or not confirming a credit card payment process. However, the simplest and currently the most widely visible variant works on an SMS basis with practically any mobile phone.
  • the payment data processing unit of the credit card institute contains a subscriber information database which has a large number of storage areas for storing subscriber account data and identification and authentication information about the subscriber.
  • the database preferably also has a memory which contains the account and mobile numbers of each subscriber. Thus, only the information relevant to the payment information message, namely the mobile number of the subscriber, can be determined in a simple manner from all the stored information about the subscriber.
  • a mobile radio network e which is known as a gateway server, is preferably used for the message transmission from the Internet m.
  • the message format can, for example, be converted from the HTML format to the WML format.
  • the payment information message can also be translated into a different language by the gateway server if the credit card holder - for example on the basis of the number of his terminal - is recognized as a foreigner and his (presumed) native language can be assigned.
  • SMS Short Message Service
  • this type of message transmission also has usage advantages.
  • the reception and sending of SMS messages can be realized without an acoustic load, and on the other hand, the short messages can appear repeatedly on the display of a mobile terminal and can be easily saved.
  • the payment information message can, however, also take the form of a voice message which is directed to the credit card holder by a voice computer of the credit card institute via a mobile radio terminal.
  • this request message can be translated into his mother tongue by the speech computer.
  • FIG. 1 e functional block diagram for explaining an arrangement and a method for confirming a credit card payment process according to an embodiment of the invention
  • Fig. 2 em functional block diagram for explaining an arrangement and a method for confirming a credit card payment process according to a further embodiment of the invention.
  • a mobile radio terminal 1 has a radio connection to a base station BS1, which spans a radio area of a cell of the mobile radio network MN.
  • a mobile switching center MSC forms a switching node of the mobile radio network to which the base station BS1 is assigned and which in turn is connected to a gateway switching center 7 for establishing a link to an IP network IP m.
  • the structure of the IP network is not shown here with the exception of the gateway switching center (gateway server) 7 already mentioned.
  • a data reading unit 5 and a data receiver unit 5a of a goods or service provider is connected to a payment data processing unit 3 of a credit card institute via the IP network.
  • the payment data processing unit 3 comprises a control unit 3a and a memory 3b, which contains the credit card numbers and mobile phone numbers of the credit card holders in a tabular assignment to one another.
  • the card data stored on the credit card are read by the data reading unit 5 of the goods or service provider, and a payment request message is sent to transfer part of the electronic credit of the credit card holder to the control unit 3a of the payment data processing unit 3 issued by the credit card institution.
  • the control unit 3a uses the credit card number to address the memory 3b em which contains the mobile phone number of the credit card holder concerned.
  • a payment information message in the form of a text message (SMS message) is issued to the credit card holder by the control unit 3a.
  • SMS message text message
  • the format of this message is converted before transmission from the IP network m to the mobile radio network MN by the gateway server 7 and forwarded to the mobile switching center MSC of the mobile radio network MN.
  • the text message is received by the receiver stage 9a of the mobile radio terminal 1 via the base station BS1 and shown on its display 16.
  • the number of the credit card institution is saved in a memory.
  • an instruction is given to the participant by pressing the buttons, by means of which the payment process can be confirmed or not confirmed.
  • the confirmation or non-confirmation message is linked to the stored number of the credit card institute by a controller and sent to the credit card institute by the transmission stage 1d of the mobile radio terminal 1 via the mobile radio network MN.
  • the credit card holder can give a confirmation or non-confirmation of the credit card payment process by pressing a key lc on the conventional mobile radio terminal keyboard, or else by pressing a separate key that is used only for this confirmation or non-confirmation process , This requires a mobile device with a suitable key assignment. If the credit card holder confirms or does not confirm the payment process, the text message is forwarded as a WML message via the mobile switching center MSC to the gateway server 7 and the HTML format is converted. The confirmation or non-confirmation message is sent by the control unit 3a of the payment data processing unit. unit 3 received. The control unit 3a issues a confirmation message to the data receiver unit 5a of the provider that the particular part of the electronic credit card holder's debit has been debited.
  • FIG. 2 shows a further embodiment of the arrangement according to the invention and the corresponding method for confirming a credit card payment transaction.
  • the payment process is confirmed or not confirmed via an MN mobile radio network.
  • the difference between this exemplary embodiment and the first is that the payment data processing unit 3 of the credit card institute and the data reading unit 5 or data receiver unit 5a of the goods or service provider are connected to one another via a fixed telephone network (ISDN).
  • ISDN fixed telephone network
  • the control unit 3a of the payment data processing unit 3 outputs an information message m in the form of a text message to a speech computer 9.
  • the voice message is then transmitted via a connection unit 7 (mobile radio unit ME) of the credit card institute via a first base station BS1 and via a mobile switching center MSC to a second base station BS2 and to the mobile radio terminal 1 of the credit card holder.
  • the payment data processing unit 3 also contains a provider recognition unit 11, by means of which the name of the goods or service provider is recognized and transmitted to the credit card holder with the information message.
  • the credit card holder can confirm or not confirm the payment process and thus the debiting of the specific part of his electronic credit can take place or be canceled.
  • an additional memory can be used in the payment Data processing unit 3 can be set up, to which the payment process is saved and the debit can only take place after 24 hours, for example.

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Computer Security & Cryptography (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The invention relates to a system for confirming a credit card payment transaction via a mobile radio telephone network comprising a mobile radio telephone terminal (1), a central payment data processing unit (3) of a credit card institution, and a data reading unit (5) of an offerer, said data reading unit being connected to the central payment data processing unit (3) via a data or telecommunications network, especially via an IP network or telephone fixed network. The inventive system also comprises a connecting unit (7) for transmitting data in the form of voice or text messages from the payment data processing unit (3) to the mobile radio telephone terminal (1) of a subscriber.

Description

Beschreibungdescription

Anordnung und Verfahren zur Bestätigung eines Kreditkarten- Zahlungsvorgangs über em MobilfunknetzArrangement and method for confirming a credit card payment transaction via a mobile network

Die Erfindung betrifft eine Anordnung sowie em Verfahren zur Bestätigung eines Kreditkarten-Zahlungsvorgangs in einem Daten- bzw. Telekommunikationsnetz .The invention relates to an arrangement and em method for confirming a credit card payment transaction in a data or telecommunications network.

Die Mehrzahl der Zahlungsvorgange des täglichen Lebens erfolgt auch heute noch per Bargeld oder durch schriftliche Erteilung von Uberweisungs- oder Einzugsauftragen oder aber immer mehr per Kredit- bzw. Scheckkarten. Die bargeldlose Zahlung per Kreditkarte ist zwar für den Inhaber bequem und un- kompliziert, birgt jedoch das Risiko von Fälschungen oder mißbräuchlicher Benutzung einer Kreditkarte durch unbefugte Personen m sich. Die Kreditkarteninstitute sind daher bemuht, das Vertrauen ihrer Kunden zu gewinnen, indem sie neue Sicherheitsmaßnahmen bei den Kreditkartenzahlungsvorgangen anwenden.The majority of payment transactions in everyday life are still carried out today by cash or by means of written transfer or direct debit orders, or increasingly by credit or check cards. Although cashless payment by credit card is convenient and uncomplicated for the holder, it bears the risk of counterfeiting or misuse of a credit card by unauthorized persons. Credit card institutions are therefore trying to gain the trust of their customers by applying new security measures in credit card payment processes.

Üblicherweise wird ein Kreditkartenbetrug von dem Kreditkarteninhaber erst mit der Versendung seiner monatlichen Kosten- liste festgestellt. Falls verdachtig hohe Zahlungsbetrage durch eine Kreditkarte beglichen werden, ruft das Kreditkar- tenmstitut mitunter den Kreditkarteninhaber über das Festnetz an, um ihn über die Kartenbelastung zu informieren. Dies hat den Nachteil, daß der Kreditkarteninhaber nicht permanent erreichbar ist und somit der Zahlungsvorgang durch eine ge- fälschte Kreditkarte oder durch einen unbefugten Benutzer nicht unterbrochen werden kann.Credit card fraud is usually only determined by the credit card holder when the monthly cost list is sent. If suspiciously high payment amounts are paid by credit card, the credit card institute sometimes calls the credit card holder via the fixed network to inform them of the card charge. This has the disadvantage that the credit card holder is not permanently available and the payment process cannot be interrupted by a counterfeit credit card or by an unauthorized user.

Einerseits gewinnt das Internet neben der Nutzung als Kommunikationsmittel und Informationsquelle für mittlerweile Hun- derte von Millionen Menschen zunehmend an Bedeutung als Einkaufsquelle. Somit sind nicht nur die Kreditkarteninstitute, sondern auch immer mehr Waren- und Dienstleistungsanbieter an das Internet angeschlossen. Anαererseits gewinnen die Mobilfunknetze durch ihre standig steigende Zuverlässigkeit, ihre Bequemlichkeit und die standig sinkenden Gebuhren immer mehr an Bedeutung im Vergleich zu dem Festnetz.On the one hand, in addition to its use as a means of communication and a source of information for hundreds of millions of people, the Internet is becoming increasingly important as a source of shopping. Thus, not only are the credit card institutes, but also more and more providers of goods and services connected to the internet. On the other hand, the cell phone networks are becoming more and more important in comparison to the fixed network due to their constantly increasing reliability, their convenience and the constantly falling charges.

Die Verkn pfung von Daten- und Telekommunikationsnetzen schreitet ebenfalls weiter voran. Sowohl die Hersteller von Mobilfunk-Endgeraten als auch die Betreiber von Mobilfunk- netzen sind immer mehr daran interessiert, ihren Kunden einen möglichst einfachen Zugang zu Datenkommunikationsnetzen und insbesondere zum Internet zu bieten. Über das spezielle Internet-Protokoll WAP (Wireless Application Protocol) kommuniziert das Mobilfunk-Endgerat m t dem Internet m der Programmiersprache WML (Wireless Markup Language) .The connection of data and telecommunications networks is also progressing. Both the manufacturers of mobile radio end devices and the operators of mobile radio networks are increasingly interested in offering their customers the simplest possible access to data communication networks and in particular to the Internet. The mobile terminal communicates with the Internet in the programming language WML (Wireless Markup Language) via the special Internet protocol WAP (Wireless Application Protocol).

Der Erfindung liegt die Aufgabe zugrunde, em Kreditkarten- Zahlungssystem zu schaffen, das eine hohe Sicherheit sowohl für den Kreditkarteninhaber und für das Unternehmen, welches die Zahlung per Kreditkarte erhalt (z. B. Restaurant) als auch für das Kreditkarteninstitut gewährleistet.The invention has for its object to provide a credit card payment system that ensures a high level of security both for the credit card holder and for the company receiving payment by credit card (eg restaurant) and for the credit card institute.

Diese Aufgabe wird hinsichtlich ihres Vorrichtungsaspektes durch eine Anordnung mit den Merkmalen des Anspruchs 1 gelost und hinsichtlich ihres Verfahrensaspektes durch em Verfahren mit den Merkmalen des Anspruchs 10.This object is achieved in terms of its device aspect by an arrangement with the features of claim 1 and in terms of its method aspect by an method with the features of claim 10.

Die Erfindung schließt den wesentlichen Gedanken e , den Kreditkarten-Inhaber über die Verwendung seiner Kreditkarte bei einem Kreditkartenzahlungsvorgang schnell und unkompli- ziert über ein Mobilfunknetz zu informieren. Dieser Gedanke eröffnet die Möglichkeit einer Zunahme der Kreditkartenzah- lungsvorgange sowohl im persönlichen als auch im beruflichen Verkehr.The invention closes the essential idea e of quickly and easily informing the credit card holder about the use of his credit card in a credit card payment process via a mobile radio network. This idea opens up the possibility of an increase in credit card payment processes in both personal and professional transactions.

In einer bevorzugten Ausfuhrung schließt die Erfindung denIn a preferred embodiment, the invention includes the

Gedanken e , eine Bestätigung bzw. Nicht-Bestatigung dieses Kreditkarten-Zahlungsvorganges seitens des Kreditkartenmha- bers von seinem Mobilfunk-Endgerat aus über das Mobilfunknetz vorzunehmen.Thoughts e, a confirmation or non-confirmation of this credit card payment process by the credit card manager bers from his mobile device via the mobile network.

Vorzugsweise ist das Mobilfunk-Endgerat des Kredιtκarten-In- habers em Gerat, das im Rahmen des WAP mit der Sprache WML mit dem Internet kommuniziert. Es kann auch em Mobilfunk- Endgerat geschaffen werden, das m der Lage ist, das HTML- Format zur Verarbeitung, um somit einen direkten Zugang zum Internet zu schaffen, ohne die bisher notwendige Konvertie- rung von HTML-Dateien m das WML-Format oder umgekehrt. Dieses Mobilfunk-Endgerat kann auch eine Tastenbelegung zur Bestätigung bzw. Nicht-Bestatigung eines Kreditkarten-Zahlungsvorganges aufweisen. Die einfachste und derzeit am breitesten einsehbare Variante funktioniert aber auf SMS-Basis mit prak- tisch jedem Mobiltelefon .The mobile terminal of the credit card holder is preferably a device which communicates with the Internet using the WML language as part of the WAP. It is also possible to create a mobile terminal device that is capable of processing the HTML format in order to provide direct access to the Internet without the previously required conversion of HTML files into the WML format or vice versa. This mobile terminal can also have a key assignment for confirming or not confirming a credit card payment process. However, the simplest and currently the most widely visible variant works on an SMS basis with practically any mobile phone.

Die Zahlungsdaten-Verarbeitungsemheit des Kreditkartenmsti- tuts enthalt eine Teilnehmermformations-Datenbasis, die eine Vielzahl von Speicherbereichen zur Speicherung von Teilneh- merkontodaten sowie Identifikations- und Authentisierungsm- formationen über den Teilnehmer aufweist. Bevorzugt weist die Datenbasis noch einen Speicher auf, der Konto- und Mobilfunknummern jedes Teilnehmers enthalt. Somit kann auf eine einfache Weise unter allen gespeicherten Informationen über den Teilnehmer nur die für die Zahlungsmformations-Nachricht relevante Information, nämlich die Mobilfunknummer des Teilnehmers, ermittelt werden.The payment data processing unit of the credit card institute contains a subscriber information database which has a large number of storage areas for storing subscriber account data and identification and authentication information about the subscriber. The database preferably also has a memory which contains the account and mobile numbers of each subscriber. Thus, only the information relevant to the payment information message, namely the mobile number of the subscriber, can be determined in a simple manner from all the stored information about the subscriber.

Vorzugsweise wird für die Nachrichtenübertragung aus dem In- ternet m ein Mobilfunknetz e als solcher bekannter Gateway-Server verwendet. Das Nachrichtenformat kann beispielsweise aus dem HTML-Format m das WML-Format konvertiert werden. Die Zahlungsmformations-Nachricht kann auch durch den Gateway-Server m eine andere Sprache übersetzt werden, falls der Kreditkarten-Inhaber - beispielsweise anhand der Rufnummer seines Endgerates - als Auslander erkannt wird und seine (vermutliche) Muttersprache zuordenbar ist. In nach dem GSM-Standard arbeitenden Mobilfunknetzen hat sich neben der - bei weitem dominierenden - Sprachkommunikation, insbesondere aufgrund der erheblichen Kostenvorteile, die als SMS (Short Message Service) bekannte Kommunikation mittels kurzer Nachrichten erfolgreich etabliert. Daher wird vorzugsweise die Zahlungsmformations-Nachricht, die von dem Kredit- kartenmstitut an das Mobilfunk-Endgerat des Kreditkarten- Inhabers gesendet wird, die Form von einer Text-Kurznachricht (Short Message) haben. Diese Nachricht kann sowohl aus demA mobile radio network e, which is known as a gateway server, is preferably used for the message transmission from the Internet m. The message format can, for example, be converted from the HTML format to the WML format. The payment information message can also be translated into a different language by the gateway server if the credit card holder - for example on the basis of the number of his terminal - is recognized as a foreigner and his (presumed) native language can be assigned. In the mobile radio networks working according to the GSM standard, in addition to the - by far dominating - voice communication, in particular due to the considerable cost advantages, the communication known as SMS (Short Message Service) by means of short messages has been successfully established. Therefore, the payment information message that is sent from the credit card institute to the mobile terminal of the credit card holder will preferably be in the form of a text short message. This message can come from both

Internet als auch aus einem Mobilfunk-Endgerat gesendet werden, wobei eine kostengünstige und sichere Versendung gewahr- leis-tet ist. Neben den Kostenvorteilen hat diese Art von Nachrichtenübertragung auch Gebrauchsvorteile. So sind der Empfang und die Absendung von SMS-Nachrichten einerseits ohne eine akustische Belastung realisierbar, und andererseits können die Kurznachrichten auf dem Display eines Mobilfunk-End- gerates wiederholt erscheinen sowie leicht gespeichert werden.Internet as well as from a mobile radio terminal, whereby an inexpensive and secure transmission is guaranteed. In addition to the cost advantages, this type of message transmission also has usage advantages. On the one hand, the reception and sending of SMS messages can be realized without an acoustic load, and on the other hand, the short messages can appear repeatedly on the display of a mobile terminal and can be easily saved.

Die Zahlungsmformations-Nachricht kann aber auch die Form einer Sprachnachricht, die von einem Sprachcomputer des Kre- ditkartenmstituts über em Mobilfunk-Endgerat an den Kreditkarten-Inhaber gerichtet wird, aufweisen. Für den Fall, daß der Kreditkarten-Inhaber als Auslander erkannt wird, kann diese Anfragenachricht von dem Sprachcomputer in seine Muttersprache übersetzt werden.The payment information message can, however, also take the form of a voice message which is directed to the credit card holder by a voice computer of the credit card institute via a mobile radio terminal. In the event that the credit card holder is recognized as a foreigner, this request message can be translated into his mother tongue by the speech computer.

Vorteile und Zweckmäßigkeiten der Erfindung ergeben sich im übrigen aus den Unteranspruchen sowie der nachfolgenden Beschreibung bevorzugter Ausfuhrungsbeispiele anhand der Figuren. Von diesen zeigen:Advantages and advantages of the invention result from the subclaims and the following description of preferred exemplary embodiments with reference to the figures. Of these show:

Fig. 1 e Funktions-Blockschaltbild zur Erläuterung einer Anordnung und eines Verfahrens zur Bestätigung eines Kreditkarten-Zahlungsvorgangs gemäß einer Ausfuhrungsform der Erfindung und Fig. 2 em Funktions-Blockschaltbild zur Erläuterung einer Anordnung und eines Verfahrens zur Bestätigung eines Kreditkarten-Zahlungsvorgangs gemäß einer weiteren Ausfuhrungsform der Erfindung.Fig. 1 e functional block diagram for explaining an arrangement and a method for confirming a credit card payment process according to an embodiment of the invention and Fig. 2 em functional block diagram for explaining an arrangement and a method for confirming a credit card payment process according to a further embodiment of the invention.

Fig. 1 zeigt die Abwicklung eines Kreditkarten-Zahlungsvorgangs über das Internet, wobei die Bestätigung des Zahlungsvorganges über ein Mobilfunknetz MN erfolgt. Der Aufbau des Mobilfunknetzes MN ist an sich bekannt und insoweit unvollständig dargestellt. Em Mobilfunk-Endgerat 1 steht m Funkverbindung mit einer Basisstation BS1, die einen Funkbereich einer Zelle des Mobilfunknetzes MN aufspannt. Eine Mobilver- mittlungsstelle MSC bildet einen Vermittlungsknoten des Mo- bilfunknetzes, dem die Basisstation BS1 zugeordnet ist und der seinerseits mit einer Gateway-Vermittlungsstelle 7 zur Herstellung einer Verknüpfung mit einem IP-Netz IP m Verbindung steht. Der Aufbau des IP-Netzes ist hier mit Ausnahme der bereits erwähnten Gateway-Vermittlungsstelle (Gateway- Server) 7 nicht dargestellt.1 shows the processing of a credit card payment transaction via the Internet, the confirmation of the payment transaction being carried out via a mobile radio network MN. The structure of the mobile radio network MN is known per se and is incomplete in this respect. A mobile radio terminal 1 has a radio connection to a base station BS1, which spans a radio area of a cell of the mobile radio network MN. A mobile switching center MSC forms a switching node of the mobile radio network to which the base station BS1 is assigned and which in turn is connected to a gateway switching center 7 for establishing a link to an IP network IP m. The structure of the IP network is not shown here with the exception of the gateway switching center (gateway server) 7 already mentioned.

Eine Datenleseeinheit 5 sowie eine Datenempfanger-Emheit 5a eines Waren- oder Dienstleistungsanbieters ist über das IP- Netz mit einer Zahlungsdaten-Verarbeitungsemheit 3 eines Kreditkarteninstituts verbunden. Die Zahlungsdaten-Verarbei- tungsemheit 3 umfaßt eine Steuereinheit 3a und einen Speicher 3b, der die Kreditkartennummern und Mobilfunk-Rufnummern der Kreditkarten-Inhaber in tabellarischer Zuordnung zueinander enthalt.A data reading unit 5 and a data receiver unit 5a of a goods or service provider is connected to a payment data processing unit 3 of a credit card institute via the IP network. The payment data processing unit 3 comprises a control unit 3a and a memory 3b, which contains the credit card numbers and mobile phone numbers of the credit card holders in a tabular assignment to one another.

Bei einem Zahlungsvorgang durch eine Kreditkarte werden die auf der Kreditkarte gespeicherten Kartendaten von der Datenleseeinheit 5 des Waren- oder Dienstleistungsanbieters gelesen, und es wird eine Zahlungsanforderungs-Nachricht zur Übertragung eines Teils des elektronischen Guthabens des Kreditkarten-Inhabers an die Steuereinheit 3a der Zahlungsdaten- Verarbeitungsemheit 3 des Kreditkarteninstituts ausgegeben. Die Steuereinheit 3a adressiert mit der Kreditkartennummer den Speicher 3b em, der die Mobilfunk-Rufnummer des betreffenden Kreditkarteninhabers enthalt. In Reaktion auf die Zah- lungsanforderungs-Nachricht wird eine Zahlungsmformations- Nachricht m Form einer Textnachricht (SMS-Nachricht) an den Kreditkarten-Inhaber von der Steuereinheit 3a ausgegeben. Der Text dieser Nachricht kann lauten: "Ihre Kreditkarte wird benutzt" . Das Format dieser Nachricht wird vor der Übermittlung aus dem IP-Netz m das MobilfunKnetz MN durch den Gateway- Server 7 konvertiert und an die Mobilvermittlungsstelle MSC des Mobilfunknetzes MN weitergeleitet . Über die Basisstation BS1 wird die Textnachricht von der Empfangerstufe 9a des Mo- bilfunk-Endgerates 1 aufgenommen und auf dessen Display 16 angezeigt. Die Rufnummer des Kreditkarteninstituts wird einem Speicher gespeichert. Mit der Zahlungsmformations- Nachricht wird eine Anweisung an den Teilnehmer abgegeben, durch Betätigung der Tasten, durch die eine Bestätigung oder Nicht-Bestatigung des Zahlungsvorganges erfolgen kann. Durch eine Steuerung wird die Bestatigungs- oder Nicht- Bestatigungs-Nachricht mit der gespeicherten Rufnummer des Kreditkarteninstituts verknüpft und durch die Sendestufe ld des Mobilfunk-Endgerates 1 über das Mobilfunknetz MN an das Kreditkartenmstitut gesendet.When a payment is made by a credit card, the card data stored on the credit card are read by the data reading unit 5 of the goods or service provider, and a payment request message is sent to transfer part of the electronic credit of the credit card holder to the control unit 3a of the payment data processing unit 3 issued by the credit card institution. The control unit 3a uses the credit card number to address the memory 3b em which contains the mobile phone number of the credit card holder concerned. In response to the payment request message, a payment information message in the form of a text message (SMS message) is issued to the credit card holder by the control unit 3a. The text of this message can read: "Your credit card is being used". The format of this message is converted before transmission from the IP network m to the mobile radio network MN by the gateway server 7 and forwarded to the mobile switching center MSC of the mobile radio network MN. The text message is received by the receiver stage 9a of the mobile radio terminal 1 via the base station BS1 and shown on its display 16. The number of the credit card institution is saved in a memory. With the payment information message, an instruction is given to the participant by pressing the buttons, by means of which the payment process can be confirmed or not confirmed. The confirmation or non-confirmation message is linked to the stored number of the credit card institute by a controller and sent to the credit card institute by the transmission stage 1d of the mobile radio terminal 1 via the mobile radio network MN.

Der Kreditkarten-Inhaber kann durch die Betätigung einer Taste lc auf der herkömmlichen Mobilfunk-Endgerattastatur eine Bestätigung oder Nicht-Bestatigung des Kreditkartenzahlungsvorganges abgeben, oder aber auch durch Betätigung einer gesonderten Taste, die nur für diesen Bestatigungs- oder Nicht- bestatigungs-Vorgang verwendet wird. Das erfordert em Mobilfunk-Endgerat mit einer geeigneten Tastenbelegung. Bei Bestätigung bzw. Nicht-Bestatigung des Zahlungsvorganges seitens des Kreditkarten-Inhabers wird die Textnachricht als WML- Nachricht über die Mobilvermittlungsstelle MSC an den Gate- way-Server 7 weitergeleitet und m das HTML-Format konvertiert. Die Bestatigungs- bzw. Nicht-Bestatigungs-Nachricht wird von der Steuereinheit 3a der Zahlungsdaten-Verarbei- tungsemheit 3 empfangen. Die Steuereinheit 3a gibt an die Datenempfanger-Emheit 5a des Anbieters eine Bestatigungs- Nachricht über die erfolgte Abbuchung des bestimmten Teils des elektronischen Guthaoens des Kreditkarten-Inhabers aus.The credit card holder can give a confirmation or non-confirmation of the credit card payment process by pressing a key lc on the conventional mobile radio terminal keyboard, or else by pressing a separate key that is used only for this confirmation or non-confirmation process , This requires a mobile device with a suitable key assignment. If the credit card holder confirms or does not confirm the payment process, the text message is forwarded as a WML message via the mobile switching center MSC to the gateway server 7 and the HTML format is converted. The confirmation or non-confirmation message is sent by the control unit 3a of the payment data processing unit. unit 3 received. The control unit 3a issues a confirmation message to the data receiver unit 5a of the provider that the particular part of the electronic credit card holder's debit has been debited.

Fig. 2 zeigt eine weitere Ausfuhrungsform der erfmdungsgema- ßen Anordnung und das entsprechende Verfahren zur Bestätigung eines Kreditkartenzahlungsvorgangs. Die Bestätigung bzw. Nicht-Bestatigung des Zahlungsvorganges erfolgt wie bei dem ersten Ausfuhrungsbeispiel über em Mobilfunknetz MN. Der Unterschied zwischen diesem Ausfuhrungsbeispiel und dem ersten besteht darin, daß die Zahlungsdaten-Verarbeitungsemheit 3 des Kreditkarteninstituts und die Datenleseeinheit 5 bzw. Da- tenempfangere heit 5a des Waren- oder Dienstleistungsanbie- ters über em Telefon-Festnetz (ISDN) miteinander verbunden sind.2 shows a further embodiment of the arrangement according to the invention and the corresponding method for confirming a credit card payment transaction. As in the first exemplary embodiment, the payment process is confirmed or not confirmed via an MN mobile radio network. The difference between this exemplary embodiment and the first is that the payment data processing unit 3 of the credit card institute and the data reading unit 5 or data receiver unit 5a of the goods or service provider are connected to one another via a fixed telephone network (ISDN).

Em weiterer Unterschied besteht darin, daß m Reaktion auf die Zahlungsanforderungs-Nachricht von der Steuereinheit 3a der Zahlungsdaten-Verarbeitungsemheit 3 eine Informationsnachricht m Form einer Textnachricht an einem Sprachcomputer 9 ausgegeben wird. Die Sprachnachricht wird dann über eine Verbindungseinheit 7 (Mobilfunk-Emheit ME) des Kreditkarten- mstituts über eine erste Basisstation BS1 und über eine Mo- bilvermittlungsstelle MSC an eine zweite Basisstation BS2 und an das Mobilfunk-Endgerat 1 des Kreditkarten-Inhabers übermittelt. Die Zahlungsdaten-Verarbeitungsemheit 3 enthalt auch eine Anbieter-Erkennungseinheit 11, durch die der Name des Waren- oder Dienstleistungsanbieters erkannt und mit der Informationsnachricht an den Kreditkarten-Inhaber übermittelt wird. Der Kreditkarteninhaber kann den Zahlungsvorgang bestätigen oder nicht bestätigen und somit kann die Abbuchung des bestimmten Teils seines elektronischen Guthabens erfolgen oder abgebrochen werden.Another difference is that in response to the payment request message, the control unit 3a of the payment data processing unit 3 outputs an information message m in the form of a text message to a speech computer 9. The voice message is then transmitted via a connection unit 7 (mobile radio unit ME) of the credit card institute via a first base station BS1 and via a mobile switching center MSC to a second base station BS2 and to the mobile radio terminal 1 of the credit card holder. The payment data processing unit 3 also contains a provider recognition unit 11, by means of which the name of the goods or service provider is recognized and transmitted to the credit card holder with the information message. The credit card holder can confirm or not confirm the payment process and thus the debiting of the specific part of his electronic credit can take place or be canceled.

Für den Fall, daß der Kreditkarteninhaber mobil nicht erreichbar ist, kann e zusätzlicher Speicher m der Zahlungs- daten-Verarbeitungsemheit 3 eingerichtet sein, dem der Zahlungsvorgang gespeichert wird und die Abbuchung erst beispielsweise nach 24 Stunden erfolgen kann.In the event that the credit card holder cannot be reached by mobile phone, an additional memory can be used in the payment Data processing unit 3 can be set up, to which the payment process is saved and the debit can only take place after 24 hours, for example.

Diese vorgeschlagenen Losungen ermöglichen, daß eine Kostenbelastung des Kreditkarten-Inhabers nur bei einer befugten Benutzung der Kreditkarte erfolgt. These proposed solutions make it possible for the credit card holder to be charged only when the credit card is authorized.

Claims

Patentansprüche claims 1. Anordnung zur Bestätigung eines Kreditkarten- Zahlungsvorgangs über em Mobilfunknetz mit: - einem Mobilfunk-Endgerat (1) zum Senden und Empfangen von Text- und/oder Sprachnachrichten,1. Arrangement for confirming a credit card payment transaction via a mobile radio network with: a mobile radio terminal (1) for sending and receiving text and / or voice messages, - einer zentralen Zahlungsdaten-Verarbeitungsemheit (3) eines Kreditkartenmstituts,- a central payment data processing unit (3) of a credit card institute, - einer Datenleseeinheit (5) eines Waren- oder Dienstlei- stungsanbieters, die mit der zentralen Zahlungsdaten-- a data reading unit (5) of a goods or service provider, which with the central payment data Verarbeitungsemheit (3) über em Daten- oder Telekommunikationsnetz, insbesondere em IP-Netz oder Telefon-Festnetz, verbunden ist,Processing unit (3) is connected via a data or telecommunications network, in particular an IP network or a fixed telephone network, - einer Verbindungseinheit (7) zur Übertragung von Daten m Form von Sprach- oder Textnachrichten von der Zahlungsdaten-- A connection unit (7) for the transmission of data in the form of voice or text messages from the payment data Verarbeitungsemheit (3) zu dem Mobilfunk-Endgerat (1) eines Teilnehmers, in Reaktion auf die von der Datenleseeinheit (5) aufgenommenen Daten.Processing unit (3) for the mobile radio terminal (1) of a subscriber, in response to the data recorded by the data reading unit (5). 2. Anordnung nach Anspruch 1, gekennzeichnet durch eine Funktionseinheit zur Eingabe und Übertragung einer Be- statigungs-Nachricht von dem Mobilfunk-Endgerat (1) über das Mobilfunknetz (MN) an die Zahlungsdaten-Verarbeitungsemheit (3) .2. Arrangement according to claim 1, characterized by a functional unit for entering and transmitting a confirmation message from the mobile radio terminal (1) via the mobile radio network (MN) to the payment data processing unit (3). 3. Anordnung nach einem der Ansprüche 1 oder 2, d a d u r c h g e k e n n z e i c h n e t, daß das Mobilfunk-Endgerat (1) zur Kommunikation mit dem IP-Netz ausgebildet ist.3. Arrangement according to one of claims 1 or 2, d a d u r c h g e k e n n e e c h n e t that the mobile radio terminal (1) is designed for communication with the IP network. 4. Anordnung nach einem der vorangehenden Ansprüche, d a d u r c h g e k e n n z e i c h n e t, daß die Zahlungsdaten-Verarbeitungsemheit (3) des Kreditkarten- Instituts einen Speicher (3b) aufweist, der tabellarisch zugeordnete Kreditkarten- und Mobilfunk-Nummer der Teilnehmer enthalt. 4. Arrangement according to one of the preceding claims, characterized in that the payment data processing unit (3) of the credit card institute has a memory (3b) which contains tabularly assigned credit card and mobile number of the participants. 5. Anordnung nach einem der vorangehenden Ansprüche, d a d u r c h g e k e n n z e i c h n e t, daß die Zahlungsdaten-Verarbeitungse heit (3) eine Anbieterer- kennungsemheit (11) enthalt, die wenigstens den Namen des Anbieters erkennt.5. Arrangement according to one of the preceding claims, that the payment data processing unit (3) contains a provider recognition unit (11) which at least recognizes the name of the provider. 6. Anordnung nach einem der vorangehenden Ansprüche, d a d u r c h g e k e n n z e i c h n e t, daß die Zahlungsdaten-Verarbeitungsemheit (3) Mittel zur Verknüpfung von relevanten Zahlungsanf orderungs-Informationen und zur Ausgabe einer Zahlungsmformations-Nachricht enthalt.6. Arrangement according to one of the preceding claims, that the payment data processing unit (3) contains means for linking relevant payment request information and for outputting a payment information message. 7. Anordnung nach einem der vorangehenden Ansprüche, d a d u r c h g e k e n n z e i c h n e t, daß die Verbindungseinheit (7) em Gateway-Server zur Konvertierung des Formates einer Nachricht vor Übermittlung aus dem IP-Netz (IP) m das Mobilfunknetz und aus dem Mobilfunknetz
Figure imgf000012_0001
7. Arrangement according to one of the preceding claims, characterized in that the connection unit (7) em gateway server for converting the format of a message before transmission from the IP network (IP) m the cellular network and from the cellular network
Figure imgf000012_0001
 8. Anordnung nach einem der Ansprüche 1 bis 5, d a d u r c h g e k e n n z e i c h n e t, daß die Verbindungseinheit (7) eine Mobilfunkemheit (ME) des Kreditkarteninstituts ist, die über das Mobilfunknetz (MN) mit dem Mobilfunk-Endgerat (1) des Teilnehmers kommuniziert.8. Arrangement according to one of claims 1 to 5, so that the connection unit (7) is a mobile radio unit (ME) of the credit card institute which communicates with the mobile radio terminal (1) of the subscriber via the mobile radio network (MN). 9. Mobilfunkendgerat zum Einsatz m einer Anordnung m einem der vorangehenden Ansprüche, gekennzeichnet durch eine Tastenbelegung zur Bestätigung bzw. Nicht-Bestatigung des Zahlungsvorgangs .9. Mobile terminal for use m an arrangement m one of the preceding claims, characterized by a key assignment for confirmation or non-confirmation of the payment process. 10. Verfahren zur Bestätigung eines Kreditkartenzahlungsvorgangs m einem Daten- oder Telekommunikationsnetz, msbeson- dere em IP-Netz oder Telefon-Festnetz (ISDN) über em Mobilfunknetz (MN) , mit den Schritten: - Speicherung der Teilnehmerkontodaten, Identifikations- und Authentisierungsmformationen über Konto-Teilnehmer sowie Mobilfunknummern der Kreditkarteninhaber m einer zentralen Zahlungsdaten-Verarbeitungse heit (3) eines Kreditkartenmstituts, - Lesen der auf der Kreditkarte gespeicherten Kontodaten von einer Datenleseeinheit (5) eines Waren- oder Dienstleistungsanbieters und Ausgabe einer Zahlungsanforderungs-Nachricht zur Übertragung eines Teils des elektronischen Guthabens des Teilnehmers an die Zahlungsdaten-Verarbeitungse heit des Kreditkartenmstituts,10. A method for confirming a credit card payment process in a data or telecommunications network, in particular an IP network or a fixed telephone network (ISDN) over a mobile radio network (MN), with the following steps: storage of the subscriber account data, identification and Authentication information about account participants and mobile phone numbers of credit card holders in a central payment data processing unit (3) of a credit card institute, - reading the account data stored on the credit card from a data reading unit (5) of a goods or service provider and issuing a payment request message for the transmission of a Part of the participant's electronic credit to the payment data processing unit of the credit card institute, - Erstellung und Ausgabe einer Zahlungsmformations-Nachricht von der Zahlungsdaten-Verarbeitungsemheit des Kreditkartenmstituts an e Mobilfunk-Endgerat (1) des Teilnehmers über das Mobilfunknetz m Reaktion auf die Zahlungsanforderungs- Nachricht.- Creation and output of a payment information message from the payment data processing unit of the credit card institute to the mobile radio terminal (1) of the subscriber via the mobile radio network in response to the payment request message. 11. Verfahren nach Anspruch 10, gekennzeichnet durch einen Schritt der Ausgabe einer Bestatigungs-Nachricht oder einer Nichtbestatigungs-Nachricht von dem Mobilfunk-Endgerat (1) des Teilnehmers an die Zahlungsdaten-Verarbeitungsemheit (3) des Kreditkartenmstituts.11. The method according to claim 10, characterized by a step of issuing a confirmation message or a non-confirmation message from the mobile terminal (1) of the subscriber to the payment data processing unit (3) of the credit card institute. 12. Verfahren nach einem der Ansprüche 10 oder 11, d a d u r c h g e k e n n z e i c h n e t, daß die Ausgabe der Zahlungsmformations-Nachricht eine Auswahl aus einer Mehrzahl von gespeicherten, tabellarisch zugeordneten, Kreditkarten- und Mobilfunk-Nummern der Teilnehmer umfaßt.12. The method according to any one of claims 10 or 11, so that the output of the payment information message comprises a selection from a plurality of stored, tabularly assigned, credit card and mobile phone numbers of the subscribers. 13. Verfahren nach einem der Ansprüche 10 bis 12, d a d u r c h g e k e n n z e i c h n e t, daß die Zahlungsanforderungs-Nachricht von der Datenleseeinheit (5) des Waren- oder Dienstleistungsanbieters an die Kontoda- ten-Verarbeitungsemheit (3) des Kreditkartenmstituts über em Datenkommunikationsnetz, insbesondere em IP-Netz (IP), ausgegeben wird. 13. The method according to any one of claims 10 to 12, characterized in that the payment request message from the data reading unit (5) of the goods or service provider to the account data processing unit (3) of the credit card institute via em data communication network, in particular em IP network (IP) is output. 14. Verfahren nach einem der Ansprüche 10 bis 13, gekennzeichnet durch einen weiteren Schritt der Ausfuhrung eines elektronischen Zugriffs auf einen Satz von Konto- bzw. Zahlungsdaten sowie tabellarisch zugeordnete Kreditkarten- und Mobilfunk-Nummern der Teilnehmer der Zahlungsdaten-Verarbeitungsemheit .14. The method according to any one of claims 10 to 13, characterized by a further step of performing electronic access to a set of account or payment data and credit card and mobile phone numbers of the participants in the payment data processing unit assigned in tabular form. 15. Verfahren nach einem der Ansprüche 10 bis 14, d a d u r c h g e k e n n z e i c h n e t, daß der Schritt des Absendens einer Zahlungsmformations-Nachricht von der Zahlungsdaten-Verarbeitungsemheit an dem Mobilfunk-Endgerat (1) des Teilnehmers über die Service-Zentrale des Mobilfunknetzes m Form von einer Text-Kurznachricht erfolgt. 15. The method according to any one of claims 10 to 14, characterized in that the step of sending a payment information message from the payment data processing unit to the mobile terminal (1) of the subscriber via the service center of the mobile network in the form of a text Short message is sent.
PCT/DE2001/000742 2000-03-01 2001-02-28 System and method for confirming a credit card payment transaction via a mobile radio telephone network Ceased WO2001065500A1 (en)

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