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DE19728004C2 - Mobile electronic communication device - Google Patents

Mobile electronic communication device

Info

Publication number
DE19728004C2
DE19728004C2 DE19728004A DE19728004A DE19728004C2 DE 19728004 C2 DE19728004 C2 DE 19728004C2 DE 19728004 A DE19728004 A DE 19728004A DE 19728004 A DE19728004 A DE 19728004A DE 19728004 C2 DE19728004 C2 DE 19728004C2
Authority
DE
Germany
Prior art keywords
dollar
mspss
user
mobile
information
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.)
Expired - Fee Related
Application number
DE19728004A
Other languages
German (de)
Other versions
DE19728004A1 (en
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.)
DIEMER BERNHARD VON
MUMM HELMUT
SELENKOWITSCH MICHAEL
Original Assignee
DIEMER BERNHARD VON
MUMM HELMUT
SELENKOWITSCH MICHAEL
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by DIEMER BERNHARD VON, MUMM HELMUT, SELENKOWITSCH MICHAEL filed Critical DIEMER BERNHARD VON
Priority to DE29724116U priority Critical patent/DE29724116U1/en
Priority to DE19728004A priority patent/DE19728004C2/en
Publication of DE19728004A1 publication Critical patent/DE19728004A1/en
Application granted granted Critical
Publication of DE19728004C2 publication Critical patent/DE19728004C2/en
Anticipated expiration legal-status Critical
Expired - Fee Related legal-status Critical Current

Links

Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/229—Hierarchy of users of accounts
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/346—Cards serving only as information carrier of service

Landscapes

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

Abstract

Oberbegriff/Bezeichnung DOLLAR A Mobile elektronische Kommunikationseinrichtung mit einer Vorrichtung zur anwenderbezogenen Autorisierung für die Abwicklung bargeldloser Zahlungsvorgänge und sonstiger anwendungsbezogener Funktionen. DOLLAR A Name DOLLAR A mobile secure payment and service system (MSPSS) DOLLAR A Beschreibung DOLLAR A MSPSS beschreibt Verfahren und Einrichtungen zur mobilen und gesicherten Übertragung von Informationen, die dem Zahlungsverkehr und der Abwicklung anwenderbezogener Funktion (Rabattsysteme, Kontoinformationen, Services etc.) dienen. DOLLAR A Dabei ergänzt und/oder substituiert MSPSS bereits bestehende Systeme wie z. B. GSM-Mobiltelefone, die als technische Einrichtung a) (s. Zeichnung) zusätzlich Informationen von Kredit-, Bank-, Service- und Kreditkarten aufnehmen, verarbeiten, ergänzen und übertragen können, und ggf. zusätzlich als technische b) (s. Zeichnung) z. B. als spezielles MSPSS-Terminal, das in Ergänzung bekannter Transaktionsabwicklungen mit der technischen Einrichtung a) kommuniziert und mit ihr online-Transaktionen z. B. via GSM- oder Infrarot-Verbindung durchführt. DOLLAR A Im Vordergrund stehen die Vereinfachung, Absicherung und Ergänzung bestehender Abwicklungen, z. B. die Sicherung verschiedener Karten- bzw. Servicefunktionen mit nur einer einzigen PIN, ortsunabhängige Sperrung durch Kartenemittenten und Serviceprovider, zielgruppengerichtete Information und Werbung etc. DOLLAR A Bei MSPSS handelt es sich keineswegs um multifunktionale Karten sondern um elektronische ...General term / designation DOLLAR A Mobile electronic communication device with a device for user-related authorization for the processing of cashless payment transactions and other application-related functions. DOLLAR A Name DOLLAR A mobile secure payment and service system (MSPSS) DOLLAR A Description DOLLAR A MSPSS describes procedures and facilities for the mobile and secure transmission of information that serves the payment transactions and the processing of user-related functions (discount systems, account information, services etc.) . DOLLAR A MSPSS supplements and / or replaces existing systems such as B. GSM mobile phones, which as a technical device a) (see drawing) can additionally record, process, supplement and transmit information from credit, bank, service and credit cards, and, if necessary, additionally as technical b) (see drawing). Drawing) z. B. as a special MSPSS terminal that communicates with the technical facility a) in addition to known transaction processing and with it online transactions z. B. via GSM or infrared connection. DOLLAR A The focus is on simplifying, securing and supplementing existing transactions, e.g. B. securing various card or service functions with just a single PIN, location-independent blocking by card issuers and service providers, target group-oriented information and advertising etc. DOLLAR A MSPSS is by no means multifunctional cards but electronic ...

Description

Stand der TechnikState of the art

Es ist bekannt, dass durch einen direkten Zugriff mittels elektronischer Kommunika­ tionseinrichtungen über Datennetze zeitnah Informationen ausgetauscht werden.It is known that through direct access by means of electronic communications information devices can be exchanged promptly via data networks.

Desweiteren ist bekannt, dass mit anwendungsbezogenen Kartensystemen Vorgänge, wie beispielsweise bargeldloser Zahlungsverkehr, abgewickelt werden können.Furthermore, it is known that with application-related card systems, processes such as For example, cashless payments can be processed.

Das hat zur Folge, dass einzelne Anwender eine Vielzahl verschiedener Karten unterschied­ licher Anbieter mit unterschiedlichen und/oder gleichen Funktionen im Zugriff haben.As a result, individual users differentiated a large number of different cards licher providers with different and / or the same functions.

Aus der DE 39 06 349 A1 ist eine Vorrichtung bekannt, bei der der Gebrauch einer Vielzahl von Karten ermöglicht wird, indem in einem Speicher einer Multifunktionskarte mittels der Vorrichtung die Daten der Vielzahl von Karten eingelesen werden.From DE 39 06 349 A1 a device is known in which the use of a variety of cards is made possible by a multifunction card in a memory by means of Device the data of the large number of cards can be read.

Aus der DE 693 14 804 T2 ist eine mobile Kommunikations-Vorrichtung bekannt, bei der eine Identifikation des Nutzers vorgenommen wird, wobei ein externes Autorisierungszent­ rum eine Autorisierung des Nutzers vornimmt.A mobile communication device is known from DE 693 14 804 T2, in which the user is identified, an external authorization center being used authorization of the user.

Problemproblem

Der im Patentanspruch angegebenen Erfindung liegt das Problem zugrunde, die bekannten Vorrichtungen zu verbessern.The invention specified in claim is based on the problem, the known Improve devices.

Lösungsolution

Dieses Problem wird durch die im Patentanspruch aufgeführten Merkmale gelöst.This problem is solved by the features listed in the claim.

Erreichte VorteileAchieved advantages

Die mit der Erfindung erreichten Vorteile bestehen insbesondere darin, dass Detailinformati­ onen der Einzelkarten in dem System gespeichert werden können, um dann über eine Co­ diereinrichtung der mobilen Kommunikationseinrichtung bedarfsorientiert am Ort der Anwen­ dung abgerufen und diese Informationen mit Karte oder drahtlos an den Zahlungsempfänger übertragen werden können. Damit wird die Vielzahl der Einzelkarten entbehrlich.The advantages achieved with the invention are, in particular, that detail information single cards can be stored in the system and then via a Co diereinrichtung the mobile communication device needs-based at the location of the users retrieved and this information by card or wireless to the payee can be transferred. This makes the large number of individual cards unnecessary.

Weitere Ausgestaltung der ErfindungFurther embodiment of the invention

Durch die personenbezogene Verschlüsselung der Nutzungsberechtigung der mobilen Kommunikationseinrichtung wird das Missbrauchsrisiko minimiert. Die Nutzungsberechtigung wird z. B. durch Abschalten des Systems blockiert. Eine verlustbedingte Sperrung von Ein­ zelkarten entfällt.Through the personal encryption of the usage authorization of the mobile Communication device minimizes the risk of abuse. The usage authorization z. B. blocked by switching off the system. A loss lock on cell cards are omitted.

Weitere anwenderbezogene Funktionen, z. B. Versichertenkarte, Mitgliedkarten, oder z. B. Abruf aktueller Konto-/Buchungsinformationen, sind ohne wesentlichen Aufwand zusätzlich installierbar.Other user-related functions, e.g. B. insurance card, membership cards, or z. B. Retrieval of current account / booking information is additional without any significant effort installable.

Claims (1)

Mobile elektronische Kommunikationseinrichtung mit einer Vorrichtung zur anwenderbezo­ genen Autorisierung für die Abwicklung bargeldloser Zahlungsvorgänge und sonstiger an­ wendungsbezogener Funktionen, wobei zum Zeitpunkt der Anwendung des Systems eine Codierung, die auf einer zu codie­ renden Karte mit Magnetstreifen oder direkt drahtlos übertragen wird, eine anwenderbezo­ gene Identifikation und eine Autorisierung für bargeldlosen Zahlungsverkehr entsprechender Kartensystem- oder Telekommunikationsanbieter oder für andere anwenderbezogene Funk­ tionen durch den Anwender mittels elektronischer Module der mobilen Kommunikationsein­ richtung ermöglicht.Mobile electronic communication device with a device for user-related authorization for the processing of cashless payment transactions and other application-related functions, where at the time of application of the system an encoding based on an encoding card with magnetic stripe or transmitted directly wirelessly, a user-specific identification and authorization for cashless payments Card system or telecommunications provider or for other user-related radio by the user using electronic modules for mobile communication direction enabled.
DE19728004A 1997-07-01 1997-07-01 Mobile electronic communication device Expired - Fee Related DE19728004C2 (en)

Priority Applications (2)

Application Number Priority Date Filing Date Title
DE29724116U DE29724116U1 (en) 1997-07-01 1997-07-01 Mobile electronic communication device
DE19728004A DE19728004C2 (en) 1997-07-01 1997-07-01 Mobile electronic communication device

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
DE19728004A DE19728004C2 (en) 1997-07-01 1997-07-01 Mobile electronic communication device

Publications (2)

Publication Number Publication Date
DE19728004A1 DE19728004A1 (en) 1999-01-07
DE19728004C2 true DE19728004C2 (en) 2001-10-31

Family

ID=7834267

Family Applications (1)

Application Number Title Priority Date Filing Date
DE19728004A Expired - Fee Related DE19728004C2 (en) 1997-07-01 1997-07-01 Mobile electronic communication device

Country Status (1)

Country Link
DE (1) DE19728004C2 (en)

Families Citing this family (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
DE29910700U1 (en) * 1999-06-18 2000-06-21 Ericsson Eurolab Deutschland GmbH, 52134 Herzogenrath Device for performing access to a network via a terminal
FR2795583B1 (en) * 1999-06-24 2001-09-07 Cit Alcatel SECURITY MODULE
FR2809907B1 (en) * 2000-05-30 2002-08-30 Cit Alcatel METHOD AND DEVICE FOR LOCKING AN OPERATION USING TWO IDENTIFIERS
US6944478B1 (en) 2000-07-07 2005-09-13 Alcatel Security module
EP1170921A1 (en) * 2000-07-07 2002-01-09 Alcatel Security module

Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
DE3906349A1 (en) * 1989-03-01 1990-09-13 Hartmut Hennige METHOD AND DEVICE FOR SIMPLIFYING THE USE OF A VARIETY OF CREDIT CARDS AND THE LIKE
WO1994011849A1 (en) * 1992-11-11 1994-05-26 Telecom Finland Oy Mobile telephone systems and a method for carrying out financial transactions by means of a mobile telephone system

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
DE3906349A1 (en) * 1989-03-01 1990-09-13 Hartmut Hennige METHOD AND DEVICE FOR SIMPLIFYING THE USE OF A VARIETY OF CREDIT CARDS AND THE LIKE
WO1994011849A1 (en) * 1992-11-11 1994-05-26 Telecom Finland Oy Mobile telephone systems and a method for carrying out financial transactions by means of a mobile telephone system
DE69314804T2 (en) * 1992-11-11 1998-02-12 Finland Telecom Oy METHOD FOR CARRYING OUT FINANCIAL TRANSACTIONS BY MEANS OF A MOBILE TELEPHONE SYSTEM

Also Published As

Publication number Publication date
DE19728004A1 (en) 1999-01-07

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Legal Events

Date Code Title Description
OP8 Request for examination as to paragraph 44 patent law
8122 Nonbinding interest in granting licences declared
D2 Grant after examination
8364 No opposition during term of opposition
R119 Application deemed withdrawn, or ip right lapsed, due to non-payment of renewal fee