| 序号 | 专利名 | 申请号 | 申请日 | 公开（公告）号 | 公开（公告）日 | 发明人 |
|---|---|---|---|---|---|---|
| 21 | 무현금 지불을 실현하는 방법 및 이 방법을 실행하기 위한시스템 | KR1020017009780 | 2000-02-01 | KR1020010108166A | 2001-12-07 | 엔텐만마씨아스 |
| 본 발명의 목적은 단순하지만, 안전한 무현금 지불, 특히, 다른 장소에서의 무현금 지불을 위한 방법과, 이 방법을 실행하기 위한 시스템을 제공하는 것이다. 본 발명에 따른 방법에서, 상인 스테이션에서 금액이 판독되고, 상인 스테이션의 식별 코드와 함께 비교 디바이스로 전송되며, 상기 데이터는 비교 디바이스에서 일시적으로 저장된다. 지불자는 이동 퓨대폰을 통해 상인 스테이션의 식별 코드를 비교 디바이스로 보내고, 상기 비교 디바이스는 상기 식별 코드를 저장된 데이터의 식별 코드와 비교하여 대응하는 금액을 휴대폰으로 전송한다. 그곳에서 지불의 확인이 요청되고, 비교 디바이스로 전송되며, 비교 디바이스는 대응하는 계좌 엔트리를 계좌 관리 디바이스로 전송한다. 상기 방법을 실행하기 위한 시스템은 휴대폰 네트워크내에서 작동하는 휴대폰과, 상인 스테이션 및 비교 디바이스를 포함하며, 상기 비교 디바이스는 원격 통신 및/또는 데이터 링크를 통해 휴대폰 및 상인 스테이션에 연결될 수 있다. | ||||||
| 22 | Verfahren und Anordung zur Durchführung einer bargeldlosen Zahlungstransaktion | EP02102525.9 | 2002-11-04 | EP1331617A3 | 2004-05-12 | Horn, Michael |
Verfahren zur Durchführung einer bargeldlosen Zahlungstransaktion mittels einer Händlerstation (2), einem Mobilfunk-Endgerät (1) eines Nutzers mit einer SIM-Karte, die mit einer identifizierenden Kennung versehen ist, und einer Zentralstation (3), die über ein Datennetz mit dem Mobilfunk-Endgerät (1) und der Händlerstation (2) verbunden ist, wobei ein erstes elektronisches Guthaben zur bargeldlosen Bezahlung einer Telefonie-Dienstleistung einem ersten Konto zugeordnet und in einem ersten Guthabenspeicher gespeichert wird, und ein zweites elektronisches Guthaben zur bargeldlosen Bezahlung einer Ware oder Dienstleistung einem zweiten Konto zugeordnet und in einem zweiten Guthabenspeicher gespeichert wird, wobei das erste und das zweite Konto in einer Benutzerschnittstelle als ein gemeinsames Konto zusammengefaßt werden. |
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| 23 | Verfahren und Anordnung zur Durchführung einer bargeldlosen Zahlungsaktion | EP02100089.8 | 2002-01-31 | EP1231578A3 | 2004-03-10 | Offer, Gero |
Die Erfindung betrifft ein Verfahren zur Durchführung einer bargeldlosen Zahlungstransaktion mittels eines mobilen Endgerätes mit einer Bildausgabeeinrichtung, einer Händlerstation mit einer Bildeinleseeinrichtung und einer Zentralstation, die über ein Datennetz mit der Händlerstation verbunden ist, wobei an der Bildausgabeeinrichtung des mobilen Endgerätes eine zur Authentifizierung eines Benutzers geeignete grafische codierte Ausgabeinformation angezeigt wird, die von der Bildeinleseeinrichtung in die Händlerstation eingelesen wird und von der Zentralstation authentifiziert wird. |
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| 24 | Payment system for cashless payment transactions | US10609436 | 2003-07-01 | US20040083168A1 | 2004-04-29 | Rainer Kuth; Michael Pierer Von Esch |
| A payment system for cashless payment transactions in trade, in which the customer uses his mobile phone or pager to prompt payment of the purchase sum from the creditor to the vendor, where the creditor transmits to the customer's mobile phone a TAN which can be transmitted by a mobile phone interface to a payment console belonging to the vendor, from where the TAN is transmitted, preferably via a fixed line, to the creditor, who, possibly following a check, immediately posts the payment sum for the vendor and informs the parties involved as appropriate. | ||||||
| 25 | Method for performing a secure cash-free payment transaction and a cash-free payment system | US10478100 | 2003-11-19 | US20040148254A1 | 2004-07-29 | Ralf Hauser |
| A method for performing a cash-free payment transaction that comprises: a) a provider (PPPP) receives a pre-authorization message (2null) for a payment to be made by a buyer (B), the pre-authorization message being authenticated for example by a personal identification number; b) the provider (PPPP) generates a payment nonce in response to this pre-authorization message; c) the provider (PPPP) forwards this payment nonce (3null) to the buyer (B) and the provider (PPPP) approves the payment when asked or when being debited by a seller (Snull) interface. The method further comprises that the above mentioned steps are performed by a private pre-authorization and payment provider (PPPP) and that the provider (PPPP) accepts a pre-authorization message being sent by a buyer's personal trusted device (PTD) being independent of the seller's interface and that the provider (PPPP) generates the payment nonce in a form which can be read by the seller's interface. This method using a personal trusted device (PTD) to obtain a nonce that protects privacy and prevents fraud being at the same time flexible enough to be used in different kinds of transactions, even in off-line transactions and not requiring downloads, special hardware, certificates, or pre-registration by the buyer. | ||||||
| 26 | Cashless payment by means of a mobile radio apparatus | US09254723 | 1999-03-11 | US06808110B1 | 2004-10-26 | Christian-Friedrich Von Brockdorff |
| The method is for cashless payment, in which a call (V) is set up via the mobile radio network (MS) from the terminal (MF) with multifunctional chipcard (CK) to a business terminal (GE). A credit rating check is performed with a card number (KN) stored in the chipcard (CK). An amount of money entered at the business terminal (GE) is released for payment in the event of a positive result of the credit rating check after a confirmation at the terminal (MF). | ||||||
| 27 | Verfahren zur bargeldlosen Zahlung von Waren oder Dienstleistungen unter Verwendung eines Mobilfunkendgerätes | EP03000262.0 | 2003-01-08 | EP1437668B1 | 2006-11-15 | Krause, Rolf |
| 28 | Verfahren zur bargeldlosen Zahlung von Waren oder Dienstleistungen unter Verwendung eines Mobilfunkendgerätes | EP03000262.0 | 2003-01-08 | EP1437668A1 | 2004-07-14 | Krause, Rolf |
Um ein Verfahren zur bargeldlosen Zahlung mit einem Mobilfunkendgerät bereitzustellen, das von Netzwerkvertreibern, Handy- und SIM-Kartenherstellern unabhängig ist, mit dem in einem einzigen Betätigungsansatz unterschiedliche Kaufarten durchgeführt werden können und das eine hohe Sicherheit gegen Manipulation und unberechtigten Gebrauch bietet, wird mit der Erfindung vorgeschlagen, dass ein als Grundregistrierung dienender, das Mobilfunkendgerät identifizierender und Nutzerinformationen aufweisender Datensatz erstellt, verschlüsselt und in der Zentralrechnereinheit und im Mobilfunkendgerät gespeichert wird, |
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| 29 | VERFAHREN ZUR DURCHFÜHRUNG BARGELDLOSER ZAHLUNGSVORGÄNGE MIT KARTEN VON GESCHLOSSENEN UND VON OFFENEN ZAHLUNGSSYSTEMEN | EP16196639.5 | 2016-10-31 | EP3316203A1 | 2018-05-02 | Jung, Michael; Tschunko, Benjamin |
Die Erfindung betrifft ein Verfahren zur Durchführung bargeldloser Zahlungsvorgänge mit Karten von geschlossenen und von offenen zahlungssystemen, bei dem |
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| 30 | Method for Processing a Cashless Payment Transaction | US10575964 | 2004-10-12 | US20070226151A1 | 2007-09-27 | Michael Baldischweiler; Klaus Finkenzeller |
| Proposed is a method for processing a cashless payment transaction between an owner of a personal electronic means of payment (1, 12) and a payee. The special feature of the inventive method is that at a first time (t1) a data record is transmitted from the owner's personal electronic means of payment (1, 12), directly or by means of a personal device (8) of the owner, to an electronic intermediate carrier (2) which is formed as a physically separate unit with regard to the owner's personal electronic means of payment (1, 12), and at a second time (t2) which is later than the first time (t1) the data record or data derived therefrom are transmitted from the electronic intermediate carrier (2) to the payee. | ||||||
| 31 | Method and apparatus for performing a cashless payment transaction | US10061698 | 2002-01-31 | US20020161708A1 | 2002-10-31 | Gero Offer |
| A method for performing a cashless payment transaction using a mobile terminal having an image output device, a trader station having an image reading device and a central station which is connected to the trader station via a data network, where the image output device of the mobile terminal displays graphically coded output information suitable for authenticating a user, the output information being read into the trader station by the image reading device and being authenticated by the central station. | ||||||
| 32 | Apparatus for cashless payment of merchandise or services | US112903 | 1980-01-17 | US4280037A | 1981-07-21 | Rolf Schmidhauser |
| The invention relates to a combination of an apparatus for the transfer of fungible goods or services, for example, cashless payment for merchandise or services, with a transfer device having marked thereon a plurality of cancellable value units in the form of at least first and second types of optical markings different from one another, and arranged in a predetermined cyclical sequence on at least one track of the transfer device, without the occurrence of any gaps, but with a transition region formed between adjacent markings. The apparatus includes a reading device, inclusive of a light source, and at least first and second light sensors associated with the first and second types of optical markings, respectively. The reading device is arranged for reading and generating signals from the markings, and from the transition regions, and an activatable erasing device erases the markings in dependence of the number of value units to be cancelled. A transport device effects a relative movement between the transfer device, and respectively, the reading and erasing devices along the track, and a control device controls the movement of the transport and erasing devices, disables the transport device, and activates the erasing device, when the erasing device is near one of the transition regions. | ||||||
| 33 | Method and device for carrying out cashless payment | US14356946 | 2012-11-08 | US20140344157A1 | 2014-11-20 | Michael Suitner |
| In a method for carrying out cashless payments by means of mobile telecommunications terminals and at least one electronic payment processing center, wherein each telecommunications terminal has stored a subscriber identifier and the payment processing center has stored the subscriber identifiers of the participating telecommunication terminals and payment limits each assigned to the respective subscriber identifiers, the payment transaction is performed based on a transaction code generated by the payment processing center and transmitted to the mobile telecommunications terminal, from there to the cash register system of the payment recipient, and from there to the payment processing center along with the payment amount, where the transaction code is verified and the payment amount is matched with the respective payment limit. | ||||||
| 34 | Method and Device for Carrying Out Cashless Payments | US14128277 | 2012-06-19 | US20140156530A1 | 2014-06-05 | Michael Suitner |
| A method for carrying out cashless payments by means of mobile telecommunications terminals, wherein each mobile telecommunications terminal stores a subscriber identifier and a payment limit, which is assigned to the subscriber identifier, a transaction code, which is specific to the payment transaction, includes generating them using an algorithm and transmitting the mobile telecommunications terminal. The telecommunications terminal transmits the subscriber identifier, the transaction code and the payment limit to a cash register system of a cashless payment transaction, where the transmitted payment limit is compared to the desired payment amount and the validity of the transaction code is checked using a verification algorithm stored in the cash register system. If the check is positive, the payment is released in the cash register system. | ||||||
| 35 | Vending machine cashless payment terminal | US29167954 | 2002-09-24 | USD477030S1 | 2003-07-08 | H. Brock Kolls; Stephen Luce; Barry J. Patrizzi |
| 36 | Method and arrangement for performing a cashless payment transaction | US10293931 | 2002-11-14 | US20030119554A1 | 2003-06-26 | Michael Horn |
| Method for performing a cashless payment transaction using a trader station, a mobile radio terminal belonging to a user and having a SIM card which is provided with an identifying identifier, and a central station which is connected to the mobile radio terminal and to the trader station over a data network. A first electronic credit value for cashlessly paying for a telephony service is assigned to a first account and is stored in a first credit memory, and a second electronic credit value for cashlessly paying for goods or a service is assigned to a second account and is stored in a second credit memory, the first and the second account being combined in a user interface as a joint account. | ||||||
| 37 | 유무선통신을이용한전자금융즉시결제구현기술 | KR1020030026670 | 2003-04-28 | KR1020040095390A | 2004-11-15 | 이웅호 |
| PURPOSE: A technology for realizing an instant settlement of electronic banking using the wired/wireless communication is provided to activate cash-flow of a customer on the offline by instantly depositing cash when a sale is generated at a contracted member shop and make a financial market of card companies firm by increasing a credit card use ratio. CONSTITUTION: An approval request/certification process is performed through a member shop registration process and a sale slip generation process(S2). Account transfer is performed through a transaction price account deposit process(S52). A loan approval/deposit process of a capital company and a bank is processed through an instant settlement system(S90). The member shop management and the instant settlement are requested through an agent repayment fee giving process(S92). A risk diagnosis/VAN(Value Added Network) member shop registration business is processed through an instant repayment particulars settlement process(S97). | ||||||
| 38 | Making cashless purchases without identifying the purchase's payment account | US10695946 | 2003-10-30 | US20040139005A1 | 2004-07-15 | Ravi Ganesan |
| Cashless transactions are performed by transmitting information identifying a purchaser of a product without identifying a payment account for the purchaser. The transmitted identifying information is received at a central processing point and processed to determine if the purchaser is a registered purchaser. A notice confirming registration, which may take the form of a purchase authorization, is transmitted from the central processing point if the purchaser is determined to be registered. The transmitted notice is received at the point of purchase and a bill is generated for the purchased product responsive to receipt of the notice. | ||||||
| 39 | 선불 방식에 의한 이동 전화 사용 요금 정산 방법 | KR1020030041758 | 2003-06-25 | KR1020050001555A | 2005-01-07 | 이은교 |
| PURPOSE: A method for paying for mobile phone service charges by a prepaid system is provided to immediately confirm whether service charges are paid, by introducing a prepaid card without inputting an identity number except a telephone number of other party. CONSTITUTION: As soon as service charges are paid, a user can use a mobile phone service. When using the mobile phone service, the user does not have to input a separate identity number. The user uses the mobile phone service within a designated service range through one-time authentication/registration. A prepaid card or a terminal identity system is used. An advertisement can be attached on an empty space of the prepaid card. The prepaid card is rechargeable by paid money. | ||||||
| 40 | Method of Effecting Cashless Payments and a System for Implementing the Method | US12647061 | 2009-12-24 | US20100223146A1 | 2010-09-02 | Mathias Entenmann |
| The object of the present invention is to provide a method for simple but secure cashless payment, especially at different locations, and a system for implementing the method. In the method according to the invention an amount of money is read in at a merchant station and transmitted to a comparing device together with an-identification code of the merchant station, the data being stored in the interim at the comparing device. The payer sends the identification code of the merchant station through a mobile cell phone to the comparing device, which compares the identification code with that of the stored data and transmits the corresponding amount of money to the cell phone. Confirmation of the payment is requested there and transmitted to the comparing device, which transmits a corresponding account entry to an account keeping device. The system for implementing the method includes a cell phone, which operates in cell phone network, a merchant station and a comparing device, which can be connected to the cell phone and the merchant station through telecommunications and/or data links. | ||||||
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