System and method for the transferring an electronic sum of money from a credit memory
AssigneeSiemens Aktiengesellschaft
InventorHans-Hermann Wolf
Life of this patent
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Abstract
The invention relates to a method for the transmission of an electronic sum of money from a credit reserve of a money transmitter to an account or a credit reserve of a money receiver, by means of a telecommunication and data network in real time.
Claims14
A method for transferring an electronic sum of money from a credit memory belonging to a money sender, particularly containing a prepaid credit, to an account or to a credit memory belonging to a money receiver via a telecommunications and data network in real time, having the following steps:
- the money receiver subscribes to a money transfer service with a service operator and stores a money receiver data record, comprising at least one transaction call number for a terminal belonging to the money receiver in the telecommunications network and an account identifier for the account or credit memory belonging to the money receiver, in a transaction database,
- a money sender data record, comprising at least one call number for a terminal, an account identifier for the credit memory and an authentication data record for the money sender, is stored in the transaction database or in a credit management database,
- a connection is set up between the terminal belonging to the money sender and a transaction server belonging to the service operator, particularly on the basis of a portion of the transaction call number,
- the sum of money to be transferred is input on the money receiver's terminal and is transmitted to the transaction server,
- the transaction server reads the transaction database and evaluates the money receiver data record and the money sender data record, including setting up optionally required data link(s) to one or more external application(s),
- the coverage of the sum of money is checked in the money sender credit memory, and the sum of money is reserved if it is covered, or the process is terminated with signalling if there is insufficient coverage,
- the sum of money is debited from the money sender credit memory, and this is documented,
- the sum of money is credited to the money receiver account or to the money receiver credit memory, and this is documented,
- information about the debit and/or credit operation is transmitted to the money receiver's terminal.
An arrangement for transferring an electronic sum of money from a credit memory belonging to a money sender, particularly containing a prepaid credit, to an account or to a credit memory belonging to a money receiver 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 a money sender credit memory and a money receiver account or credit memory,
- a money receiver terminal which is connected to the telecommunications and data network and has a specific transaction call number associated with it,
- a money sender terminal connected to the telecommunications and data network,
- a transaction database belonging to a service operator, which stores a money receiver data record, comprising the transaction call number of the money receiver's terminal and, in particular, an account identifier for the account or credit memory, and a money sender data record comprising the call number of a terminal belonging to the money sender and, in particular, also an account identifier for the credit memory and an authentication data record, and
- a transaction server which is connected to the transaction database and can be connected to at least the money receiver's terminal and to the account management server or account management servers or is an integral part of said server or servers, for reading and for evaluating the money receiver data record and the money sender data record from the transaction database and for setting up optionally required data link(s) to one or more external application(s) and for controlling a coverage check in the money sender credit memory and a debit operation on the latter and a credit operation on the money receiver account or money receiver credit memory.
Dependencies are inferred from the claim text.