Method and arrangement for electronically transferring an amount of money from a credit account memory

The method as claimed in one of the preceding claims, characterized in that

• the authentication data record used in the second money sender data record is an authentication data record having an authentication code and/or having biometric data for the money sender, and, before the debit operation step, steps for authorizing said debit operation are performed, namely the following steps:
• the authentication code and/or the biometric data is/are input by the money sender on an input device,
• the input is transmitted to the transaction server, and
• the transmitted data are compared with the data held in the second money sender data record, and a debit enable signal is output if there is a match and a debit blocking signal is output if there is no match.

An arrangement for transferring an electronic sum of money from a money sender credit memory, particularly containing a prepaid credit, to an account belonging to a money receiver or to a money receiver credit memory via a telecommunications and data network in real time, particularly in order to carry out the method as claimed in one of the preceding claims, which has:

• at least one account management server having the money sender credit memory and the account belonging to the money receiver or money receiver credit memory,
• a data storage medium belonging to the money sender or a money sender terminal storing a first money sender data record which comprises at least one prepaid call number associated with the money sender credit memory in a telecommunications network,
• a money receiver terminal connected to the telecommunications and data network, a reader which is connected to the money receiver terminal and is designed for directly reading the first money sender data record from the data storage medium or from the money sender terminal,
• a service operator transaction database storing a money receiver data record, which comprises at least one account identifier for the money receiver's account or money receiver credit memory and the call number of the money receiver terminal, and a second money sender data record, which comprises at least the prepaid call number, an account identifier for the money sender credit memory and an authentication data record, and
• a transaction server which is connected to the transaction database and can be connected to the money receiver terminal and to the account management server or to the account management servers or is an integral part of said server or servers, for reading the money receiver data record and the second money sender data record from the transaction database, for receiving the first money sender data record and for evaluating the data records and for controlling a debit operation on the money sender credit memory and a credit operation on the money receiver account or money receiver credit memory.