Method for using and paying for internet services through mobile communications

FIELD: mobile communications.

SUBSTANCE: according to method user of mobile radio communication pays for during exploration of internet using end device, capable of WAP protocol for certain content (information, database viewing, public transportation schedules, games) insignificant money sums. Current payments are effectively and reliably paid for through mobile communication network. User data for transaction is stored in databank of payment inter-network gate. User allows provider to use some sum, from which provider takes sums of new payments.

EFFECT: higher reliability, higher speed of operation.

6 cl, 2 dwg

 

The invention relates to a method of using and paying for the Internet service via mobile radio.

The prior art method of payment for Internet service through the Internet terminal (for example, a personal computer). Known up to the present time applied on the Internet methods include storage or input data of the client terminal Internet or from the seller. However, this is not feasible in practice when applying devices mobile radio as an Internet terminal.

In EPA-AND-0917327 discovered a way to pay for Internet service, which payment is executed by the Central service provider of the Internet. The ISP has a special device for payment, which supports various methods of payment and electronic money. The device accepts payment requirements of the seller for the payment to the client. After the consent of the customer with a demand for payment from his account or phone bill device for payment removes the appropriate amount and transfers this amount to the seller in the form of electronic money.

In WO-A-9933034 discovered the way to handle financial transactions via mobile communications system in which a customer, for example, on your mobile phone, may authorize and execute a payment transaction in any terminal of the seller (selling points). Pallegama the payment amount is withdrawn, for example, from the customer's account and credited to the seller.

The objective of the invention is to provide a method with which you can quickly and reliably perform, in particular, payment for Internet service via mobile radio.

This problem is solved by the characteristics specified in the independent claims.

The client mobile communication in the study of Internet pays, for example, using a terminal device capable of performing wireless application Protocol (WAP), specific content (information, view data banks, information about transportation schedules, games, etc) every time small individual amount. It can be paid according to the invention efficiently and reliably through the network of mobile radio communications.

Advantages compared with the prior art

In the known applied up to the present time the methods of micropayments in the customer's Bank to open an account for micropayments and available to the client in the form of an electronic wallet in a personal computer. It is impossible for the mobile radio with limited capacity.

The backup method according to the invention provides for the payment of small amounts with minimal cost. On the other hand, the client may continuously control costs with authorization.

Sensitive the data remain in the mobile radio network and are not transmitted via the Internet, so there is no need for additional encryption. The client is known in the mobile radio network due to its MSISDN. So there is no need for additional authentication method. However, while ensuring the anonymity of the client to the provider.

Figure 1 shows an example implementation of a system architecture according to the invention.

Figure 2 shows an example sequence of operations for the transaction of payment.

In the payment to participate the 5 parties: customer, service provider, payment gateway firewall, Bank for micropayments and banking network.

The client has the target device 1 mobile radio with access to the Internet (able to perform wireless application Protocol WAP), and has access to the Internet 3 via the network 2 mobile radio.

The service provider's server 4 adds to the standard software server Internet interface of the firewall to the payment gateway 5. The content (information, play games, browse databases and so on) can be called in the form agreed with the target device 1 mobile radio.

Payment gateway 5 contains the Bank 6 of these payments as customer data MSISDN of the user of the mobile radio communications, account number 7 for micropayments to the client and the current amount of the expense is. The payment gateway may, by request MSISDN-IP data Bank 8 to learn MSISDN belonging to the temporary IP address.

Microplating a score of 7 is maintained as calculating the actual Bank account. Payment gateway 5 and microplating 7 constantly synchronized by matching data banks. Microplating 7 can be replenished in advance (prepayment) or be controlled via invoices (deferred payment). The customer may, through the Internet at any time to control the current account status and changes of account 7. Withdrawal microplating account 7 account service providers in other banks through the banking network 10 in total in a certain period of time (e.g. day, week, month).

Below is a description of the sequence of operations with reference to figures 1 and 2.

When the user of the mobile radio communications is conducting a study of the Internet for a contract provider of mobile radio communications, the provider based on the range of IP addresses that the user knows what the operator in question.

The user of the mobile radio when researching the Internet gets to a certain place information that the content is paid. However, the provider determines whether the value of the time unit or with a click. The EU and the user selects the content, it receives a request for authorization of payment content up to a certain maximum amount. This is sent by the supplier of the request contains the data transaction (transaction ID, amount, vendor ID) and lines of communication with the payment gateway 5. The supplier transmits the same data with added temporary IP address of the user of the mobile wireless communications with the access to the Internet payment gateway 5. If the user selects "OK", the data transaction from its target device 1 is also transmitted to the payment gateway 5. The client can defend this action with payment personal identification code (PIN).

Payment gateway 5 synchronizes both the message and verifies that they match. The IP address of the user, the transaction ID, the amount and the provider ID must be identical. Through the IP address of the user of the payment gateway 5 learns MSISDN of the user of the mobile wireless communications with the access to the Internet and searches for it using relevant customer data stored in the Bank 6 of these payments. Then the payment gateway 5 tries to reserve the requested amount on microplating account. In the case of pre-payment, you can verify the amount in the account, and if after payment of the credit limit. You can also check the specified maximum amount per unit of time (for example, 100 DM/month).

If the test result is positive, the provider receives authorization for the requested amount and can dispose of it. While the user of the mobile wireless communications with the access to the Internet remains in the server 4 of the supplier, he may use the paid content without additional authorization of payments. The provider takes a small amount with the provided amount. If it ends, the provider may require a new authorization. Only when the user no longer uses the provider's server within a certain period of time, the process ends and requirements with the transaction ID, amount, provider ID and the IP address of the user are transmitted to the payment gateway. The provider can show the client the current requested amount in each page, which it sends to the client.

Payment gateway 5 relates the actual requirements with redundant and removes the amount from microplating account 7 in favor of the supplier. The actual transfer of money to the receiving account provider can totally be done later. Reservations are also erased payment gateway 5, when within a specified period of time does not come from the supplier is no requirement with the appropriate identificat is a PR transaction.

The client opens his microplating account 7 the Bank of micropayments mobile radio communications. As a rule, filled in advance if the client will not be granted credit by the operator of the mobile radio. The customer may at any time via the Internet to transfer money to your microplating account and monitor the movement of money.

When less stringent requirements for the protection of you to simplify the way to perform the authorization request to the payment gateway 5 asymmetrically, that is, the client only sends the message or only the provider sends a message to the payment gateway to initiate a transaction reservation. In this case, you can opt out of sync.

1. Way to use and pay for the Internet service via a mobile radio communication, characterized in that creates a payment gateway (5), used for communication between the user of the mobile radio communication through the target device is a mobile radio communication made with the possibility of Internet access, and provider through the server (4) the supplier user data are stored centrally in the Bank (6) data payment gateway (5), Bank (9) open an account (7) for micropayments, with payment gateway (5) and microplating account (7) continuously synchronize due reconciliation of banks Yes the data on microplating account (7) using the payment gateway (5) reserve a certain amount and the user autoriseret this amount in favour of the supplier, the supplier withdraws the money from the provided amount at the end of the process the supplier transmits the actual account in the payment gateway (5) and payment gateway (5) matches a valid account with reservations and withdraws money from microplating account (7) in favor of the supplier and erases the corresponding backup.

2. The method according to claim 1, characterized in that the terminal device (1) do not retain the electronic wallet data and user data.

3. The method according to any of claim 1 or 2, characterized in that the user protects any payment transaction using a payment personal identification code.

4. The method according to any one of claims 1 to 3, characterized in that the user data is left in the network (2) mobile radio and are not transmitted via the Internet (3).

5. The method according to any one of claims 1 to 4, characterized in that the authentication of the user performs a network (2) mobile radio.

6. The method according to any one of claims 1 to 4, characterized in that use standard software provider associated with the standard payment systems (Internet) and standard terminal devices (1) mo who think radio able to go online.



 

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